BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I the consumer noticed information that I did not consent to, authorize nor benefit from on my consumer report with TRANSUNIONXXXX XXXX. No consent is identity theft. On XX/XX/XXXX, I called TRANSUNION/XXXX  XXXX and spoke with XXXX XXXX and told the agent that the inquiries being reported on my consumer report is identity theft and I did not give consent to, authorize nor benefit from. I told him that I have mailed them a Identity theft report, an Identity theft affidavit, copies of the law and a letter with my written instructions to remove and block the inaccurate information from my consumer report. He then told me he was unable to remove the information because they stay on my file for 2 years. I told the agent that according to the FCRA 15 USC 1681b ( a ) ( 2 ) consumer credit agencies are to provide a consumer credit report by the written instructions of the consumer to whom it relates. I told the agent that I have a right to privacy and did not benefit nor consent to these credit inquiries. I also told the agent under the FCRA 15 USC 1681 ( a ) ( 4 ) that they have a grave responsibility to be fair, impartial and respect my right to privacy. I also told the agent identity theft under the FCRA 15 USC 1681c-2 that information being reported from identity theft must be removed and blocked from my consumer report. The agent then proceeded to explain that he could not delete the information and can do a dispute. I told the agent that this is my reputation, my character and credit standing that this is bearing on and the agent stated that he would have to open a dispute with for an investigation. I explained that they are the one who is committing identity theft and they are not the middle man but they are responsible and I the consumer have the right to privacy. He said there was nothing that he could do. I explained that I will be filing a CFPB report and he then tried to tell me what not to say in my report however I told him that TRANSUNIONXXXX XXXX is breaking the law and they are liable for all damages and he is contributing to the damage by not removing the inaccurate information being reported on my consumer report. I mailed out all documents certified with return receipt. TRANSUNION has received the documents and I have attached all documents including the signed return receipt showing they received the documents on XX/XX/2021.

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 2020-04-16
Company: ALLIANT CREDIT UNION
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XX/XX/2020, Alliant Credit Union charged me an extra $ XXXX for not having insurance on my vehicle. I have had ongoing insurance on my vehicle through ridesharing apps and through XXXX XXXX. When I showed them proof of this, they only reduced the extra fee. They did not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Several unforeseen circumstances led us to enter mortgage forbearance. During forbearance our mortgage was sold THREE TIMES and we landed with Flagstar Bank. It was not the original bank we chose nor did we agree to the following : Flagstar has been apparently monitoring our home, and subsequently us.

They have left obscure notes at the front door with their phone number. They do this when were gone, meaning someone is watching us.

This is harassment of the HIGHEST order.

When called they say it is their protocol to make sure were taking care of the home.

This is the most stressful disgusting practice and it needs to stop.

They have no right to trespass and harass people whos rights under the cares act remain intact.

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 2022-05-17
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
do not know what this debt is for it is not mines

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 2023-12-12
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute certain items on my credit report that, upon review, lack sufficient information to validate the associated debts. The information provided for these accounts is insufficient for proper validation. I am requesting that you promptly remove these items from my credit report, as they do not meet the necessary criteria for accurate reporting. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verifiable information on my credit report. The following accounts are of concern, as the provided details are inadequate for proper validation : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2022-02-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Good morning, I've having an extremely difficult time with XXXX XXXX XXXX still reporting late payments on my credit profile well over 2 years old. I've tried to point this issue out to them that these late payments should've already been removed. 

I was informed that the late payments would fall off automatically and today when I checked my updated accurate credit report, it still shows the late payment that were supposed to had been removed off of my credit report. 

Their stagnation and unwillingness to report accurate information on my credit report is significantly impacting my credit score. I can not obtain new lines of credit because of this ongoing issue. Please assist in anyway possible. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Information incorrect and promotional items showing after a block. I need a full report with all the pages.

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 2023-09-15
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account has fraudulent activity. I called immediately to have my account froze and money was still distributed out of my account to an external account at another bank, my personal checking personal savings business savings was all transferred into my business, checking and then transferred out of the bank. I have received partial money that was missing as of XX/XX/XXXX when it was taken out as of today, XX/XX/XXXX I have detectives now on the case to find out where the fraud began, and whats happening since nobody at the banks are talking to me in the fraud department. I was told that a business account was created at the other bank fraudulently, and thats where my money was transferred to as up-to-date I still have monies due to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As of now, CAPITAL ONE AUTO FINANCE is reporting inaccurate and/or incorrect information such as inaccurate and/or fraud account on my behalf. This inaccurate information is defaming my character and causing my to suffer damages. I am requesting your assistance in having this inaccurate information removed forthwith. Pursuant to 15 U.S. Code 1681b, permissible purposes of consumer reports, I never gave CAPITAL ONE AUTO FINANCE any written consent to report anything on my consumer reports, no consent is identity theft. Thus, I am demanding that the following accounts, and information be removed from my credit report instantly. Somebody fraudulently used my information and drove off a car dealership parking lot with a whole vehicle. The account associated with the fraudulent purchase is Account Name : CAPITAL ONE AUTO FINANCE Date opened : XX/XX/2016 - Account type : Auto Loan Status : Charge-off/Closed Amount : {$19000.00}. I have never obtained any goods or services at this facility/company. I did not open this account and I refuse to pay this debt. CAPITAL ONE AUTO FINANCE has been annoying me with an unreasonable amount of annoying phone calls. Pursuant to 15 USC 1692 ( d ) ( 5 ), causing a consumers telephone to ring in a manner in which is annoying to the consumer is a violation of the law. CAPITAL ONE AUTO FINANCE has been threatening to sue me over this fraud debt. Pursuant to 15 USC 1692 ( e ) ( 5 ), threatening to sue a consumer is a violation of the law. Pursuant to 15 USC 1692 ( E ) ( 10 ), using deceptive means to coerce a consumer into paying a debt is a violation of the law. I am not sure what legal authority you have to disclose this information. This account is invalid and/or inaccurate. Under 15 U.S.C. 1681i ( 7 ), method of verification, this account is in violation it was reported without valid evidence. I did not provide any written, oral or informed consent for this account to be opened. This is obviously a systemic issue or fraud. Again, I had no knowledge of this account and it appears to be fraud. Please dispute, suppress, block and remove Account Name : CAPITAL ONE AUTO FINAN - Account number : XXXX Date opened : XX/XX/2016 - Account type : Auto Loan Status : Charge-off/Closed Amount : {$19000.00} from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Below is a list of fraudulent transactions that were made from my Chase bank account through XXXX. I have no knowledge of who the recipients are or of where they are located. All the charges were made without my approval or authorization, and the charges constitute financial fraud. The amounts below were withdrawn from account number XXXX. 
The complete irregularity of the outgoing XXXX transactions ( linked directly to my Chase account ), in comparison to my account history, should also be considered as further evidence to the fraudulent nature of these charges. 
The following fraudulent charges were made between the dates of XX/XX/XXXX th and XX/XX/XXXX th of 2022. 

Date of Charge Transaction # /Description Transaction Type Amount Chase Fraud Claim Number XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$800.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$800.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$50.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$150.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$50.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$100.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$50.00} XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX - {$250.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to XXXX XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$300.00} XXXX XX/XX/2022 XXXX XXXX XXXX to XXXX XXXX XXXX XXXX - {$50.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
Equifax is still reporting things I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposit {$3000.00} but atm only showed {$600.00} so I hit cancel to return my money but it only gave me {$1000.00} and kept the other {$2000.00}

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 2020-06-17
Company: Experian Information Solutions Inc.
State: CA
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'VE CONTACTED EXPERIAN NUMEROUS TIMES IN REGARDS TO A FRAUDULENT ACCOUNT THAT IVE NOTICED RECENTLY. I TOOK THE APPROPRIATE STEPS AS DIRECTED BY LOCAL LAW ENFORCEMENT TO CONTACT FTC IDENTITYTHEFT.GOV SINCE THIS WAS RELATED TO AN ONLINE MATTER. THAT WAS EXACTLY WHAT I HAD DONE, AND I HAD CONTACTED EXPERIAN MANY TIMES NOTIFYING THEM THAT MY IDENTITY HAD BEEN COMPROMISED. THEY NOT ONLY IGNORED MY REQUESTS, BUT CONTINUES TO LEAVE THAT FRAUDULENT ACCOUNT UNDER MY NAME, WHICH IS RUINING MY CREDIT AND PREVENTING ME FROM OBTAINING A VEHICLE LOAN THAT I REALLY NEEDED DURING THE COVID19 HARDSHIPS TO LOOK FOR A NEW JOB. I BELIEVE WHAT EXPERIAN IS DOING IS ILLEGAL UNDER THE FAIR CREDIT REPORT ACT. I WILL PURSUE THIS TO THE FULLEST EXTENT OF LAW IF THIS MATTER DOES NOT GET RESOLVED IMMEDIATELY.

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 2022-05-17
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to XXXX XXXX XXXX to get a second opinion on a very specific bloodwork test for a particular virus ( HPV ). I explained the reason for my visit to the front desk -- that I was there for a very specific test as a second opinion. I had a full STD panel performed already, and it was negative -- I just needed HPV re-tested as it has a high false-positive rate. 

After my blood was drawn, the attending physician asked if I wanted just the HPV test, or a full STD panel. I again stated just the one test, and gave my reasoning as to why -- it was a second opinion, etc. For some reason, he later called me to once again confirm whether I wanted the one HPV test, or a full panel, and I explained it again. He relinquished that he remembered our conversation, and that was the end of the phone call, but it did seem odd. 

I was later sent two invoices by XXXX ; one for the HPV bloodwork, and another for the full STD panel that I had explicitly declined. I spoke with XXXX, but they insisted they could not help and that I needed to contact the physician 's office ( XXXX XXXX XXXX ). After a couple of weeks of attempting to contact the XXXX XXXX XXXX billing department, I was finally able to get through to an individual that said that they would investigate, but I never heard back and now the bill has gone to collections. 

The bill is only for {$78.00}, and I have a XXXX XXXX of XXXX and have never *not* paid a debt owed. But I used to work in medical billing and am choosing to stand on principle. This was not some ancillary charge that I did not understand or that was unavoidable -- This was bloodwork that I was specifically asked by the physician if I *wanted* to which I said *no* more than once.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 2022-10-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, 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 have been trying to get inquiries from unknow Companies corrected and removed sent to Credit Bureaus and to the companies as well Certified mail, both did respond back and there also unauthorized Inquiries on all three Credit Bureaus the Inquiries are listed below XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Hello, I have a few Capital One credit cards with your company. I am writing to ask if i can have my credit reporting updated for my account ending in XXXX. I pulled my credit report and it shows late payments starting in XX/XX/XXXX through XX/XX/XXXX. I was in an accident XX/XX/XXXX which caused me to be hospitalized and miss my monthly payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When i was finally able to return to work XXXX happened and i was impacted by that which then caused me to continue to miss payments ( XX/XX/XXXX and XX/XX/XXXX ). As you can see as soon as i was able to work, i began making my payments on time and only missed one more in XX/XX/XXXX when my contract abruptly ended for Covid. I am asking if you will please remove the late payments from my credit report. I have consistently paid on time since my hospitalization and Covid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX sent in loan modification application to specialized loan services after several discussions and delays on sls part they said we did not send the application in time I called XXXX. To help with this process XXXX intervened and tried to help us sls gave XXXX the same run around XXXX possible XXXX suggested we file a complaint we have been trying to find a solution through sls whether it is a loan modification or another program through specialized loan services but they still keep delaying our request we do not want to lose our home so we need help from sls and XXXX 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