BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: Westlake Services, LLC
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I didnt authorize any of these inquiries : XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX + All Banks XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX WESTLAKE SERVICE INC XXXX : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since XX/XX/XXXX ; I have been proactively trying to get inaccurate, non-compliant accounts to be updated correctly on my credit report by submitting the appropriate requests and supporting documentation from the creditors/collectors showing the account status is to be updated to paid and the comments showing either paid in full or paid and settled for less than full amount. 

The bureaus and creditors/collections agencies just point blame and constantly send me back and forth for resolution. The creditors and collections agencies did supply me with supporting documentation since XX/XX/XXXX showing the accounts were to be updated to accurately reflect the correct status yet the bureaus continue to fail and report inaccurately and non-compliantly. I have been trying to amicably resolve this and have since been denied a mortgage due to the negligence of both parties. 

Trans Union, XXXX & XXXX continue to be negligent and I am seeking the accurate updates per the supporting documentation to be completed immediately. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I signed up as a member with experian and they never removed data and there is lots of information that was never corrected when asked. My membership has unusual activity that was never fixed when I tried to dispute. I was not able to get information from data I requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
They lied about the terms of the loan misrepresenting the loan I got. Will not give me information on different programs to lower the payments. Making me do forbearance when I could have did a different program. My XXXX year-old mother was cosigner and they be making her real upset Did not tell me this was a private loan Will not lower my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i have reached out to all 3 credit bureaus 10 times each so that they can investigate the 100 % accuracy of the reporting of the account in question ( XXXX XXXX XXXXXXXX XXXX XXXX ) ... .each time it comes back verified ... ..How can they say that this is verified if the reporting doesn't even match all the way across all 3 bureaus as is required by law? They are not in compliance ... .they are not investigating the reporting ... .i have attached a copy of the 3 bureau report so that you can see the discrepancies in the reporting XXXX is reporting a balance of {$13000.00}, XXXX is reporting {$13000.00}, and equifax {$13000.00} XXXX is reporting a past due of {$13000.00} XXXX is reporting {$13000.00}, and equifax {$13000.00} XXXX is reporting a high credit of {$9800.00} XXXX is reporting {$9800.00}, and equifax {$7000.00} Also take a look at the inconsistant reporting in the 2 year payment history and thats just to name a few violations ...... 

This was a " charged off '' account that was sold to a collection agency and is still reporting a balance that is a violation This was a " charged off '' account that was sold to a collection agency and is still reporting a past due that is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate collection account that has negatively impacted my ability to start a real estate business. I am seeking full compensation for the potential money lost, as provided under U.S. Code 1692k and 1640. 
As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account reported by XXXX XXXX. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations. 
Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I will qualify this complaint by saying I can not at this time give you exact dates and times. What I'm about to describe has happened too many times too count. It has been especially noticeable this past XXXX years or so. Likely my bank, US Bank, had likely become more aggressive in fee recovery during Covid to take advantage of people who are down and out in order to bolster their own numbers.

1 ) US Bank will show that I have an available balance. Under that pretext I go ahead and use it. But as it turns out there are pending transactions. Those pending transactions overdraft me. They will show in my account a positive available balance. But because of the future pending transaction they show another number in red below the available balance that shows I was actually negative with the pending transactions. This is of course only shown to me after the fact.

What I find especially interesting is that future pending deposits are not counted in my favor in the same way withdrawals are.

2 ) US Bank shuffles my transactions to overdraft me. For example, I will do a number of smaller transactions that wouldn't cause an overdraft. Then I'll do a large transaction. So if everything is taken in order, I would only overdraft once on the big transaction. Instead they have the big transaction hit first followed by the little ones. So then I overdraft on every small transaction instead of only once. 

I can comb through the past XXXX years and no doubt find hundreds of dollars on these types of fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: BANK OZK
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday, XX/XX/XXXX my personal checking account was restricted ( frozen ). I went to the bank on Monday, XX/XX/XXXX and spoke with the account specialist for an explanation. The specialist stated that my personal account was restricted because I deposited a check made out to my business into my personal account. 

I explained to the specialist that I am " dba '' ( doing business as ) of my business. On XX/XX/XXXX, I emailed the Account Specialist my EIN which was assigned to me by the IRS. 
( " I am the business and the business is me. '' ) I was forced to close my business account prior to this incident because there were unauthorized debits totaling {$11000.00} on XX/XX/XXXX, XXXX, and XXXX of XXXX that were debited resulting in my account to be overdrawn, and also causing checks to be returned. 

The bank is holding my funds unnecessarily which is causing me emotional distress. My son and I were both diagnosed with XXXX during this time and I was not able to pay our co-pay at the doctor 's office. I also have not been able to purchase food and gas, as well as other incidentals. 

I am requesting that my funds are released immediately and an investigation is launched in regards to the unauthorized debits from my business checking in the amount of {$11000.00} that were deducted. I am also seeking compensation for emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account : XXXX XXXX XXXX Balance Owed : {$2600.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a complaint to CFPB regarding a foreclosure reporting issue with the Shellpoint Mortgage. The complaint was filed and Shellpoint Mortgage submitted a response and CFPB closed the complaint. The day I received the response from Shellpoint I noticed that there were many errors in their response to CFPB and I submitted a complaint regarding the errors along with documentation showing the errors Shellpoint provided to CFPB however CFPB thought this was the same complaint and not a response showing omissions and errors sent by Shellpoint to CPFB. Shellpiont completed a foreclosure on a property and the property was purchased at the sale for {$80000.00}. Shellpoint did not do any appraisal on the property or obtain a current market value. Over 90 days after the sale they had a real estate agent list the property and Shellpoint is using the real estate listing paperwork as the current market value and not an appraisal. The issues are that this was done in New York over 90 days after the foreclosure sale and the appraisal paperwork sent to CFPB by Shellpoint is not an appraisal but part of the real estate agents listing. If you look at the paperwork provided by Shellpoint to CFPB It even shows that the interior of the property was not inspected. It also shows the listing was ordered 90 days after the foreclosure purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for a checking account with Navy Federal because I qualify due to my roommate. 

Navy Federal has yet to approve my application, I have submitted all of the requested documentation and still have yet to be issued a debit card or account number for my checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX, has violated my rights. they have reported false information on my credit report and after multiple attempts to have it removed, they refuse to update it to current. 

15 U.S.C 1681 section 602 A. States that I have rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hello, on XX/XX/2018 around XXXX XXXX CST, I signed up for " TransUnion '' to try and check my credit score. However, I had absolutely no clue that they would instantly charge me {$19.00} upon putting in my bank details. I had no idea I was going to be charged this money, and it was not clear whatsoever that I would be charged upon simply just signing up. I managed to cancel my subscription ( that I also had no clue it would be subscription based either ). I have attempted to call their help line several times at different times of the day and they never answer my call or put me on hold and never come back!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20
Company: Shellpoint Partners, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We sold our home and paid the full amount of the mortgage to Newrez Mortgage Servicing {$120000.00} on XX/XX/23 via wire transfer from the closing attorney. It has been over 30 days and the account is still being reported actively open and late. I called Newrez on XX/XX/23 and advised them that they legally have to report my credit accurately every 30 days, but was advised by their loan servicing department that they will report my account paid in full at 60 days after the loan was paid off in full from XX/XX/23.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 AXXXX States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions these accounts listed below have violated my rights. 

Account name : XXXXDept of ED account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX. XXXX, XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am so tired knowing that my concern was not attended by Equifax!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX   XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a savings account with Capital One, I called Capital One customer service to access my personal savings account. Capital One customer service rep asked me for my social security number, date of birth, old phone number and new phone number, old address, and new address so they can update my account, Capital One customer service rep also asked me to upload a picture of my id. 
Capital One customer service denied my verification and refused to give me the account number and denied me access to the savings account. I gave Capital One all the correct information to access my account, and they still refused to help me. I asked Capital One to close my savings account, since they are refusing to allow me access to my savings account. I want Capital One saving account closed for good. Capital One system needs to be updated. Capital One imposed on me to share my social security number, and according to ConsumerFinance.gov states I am not required to provide my social security number to open a checking and savings account.

Company response to consumer: Closed with explanation