BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX 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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX  : acct XXXX XXXXXXXX, Account name : XXXX XXXX  : Accct XXXX XXXXXXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the pers on knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting.

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 2023-06-02
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 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 2022-07-11
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-05-08
Company: EQUIFAX, INC.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Call capital one to inquire regarding the credit cards I also told the agent that I will call back at a later date once Ive made a decision on whether or not I was going to apply for the credit cards five minutes after I hung up the phone I got a notification saying that capital one had made an inquiry regarding my credit which I did not give them permission to do I immediately called them back and told them of the issue they had me to send him a letter with my information and information for my credit report and that was in XXXX on the first XXXX  as of today XX/XX/2022 I have still not gotten anything done I am continuously calling them as well as the credit bureaus and has still not been removed from my credit report Im basically getting the runaround from capital one and they are very unprofessional So I was told by the creditors to file a complaint with them because they are not willing to help with this situation even though I immediately informed them of what was going on and I have taken all the steps that theyve asked me to do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Experian Information Solutions Inc.
State: FL
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 don't recognize this accounts and inquiries. I never applied for it, I don't have any contracts or agreements with this companies.

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 2023-06-02
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I place complain a15 days ago with CFPB, Someone from navy compliance called on XXXX XXXX2023, she reviewed that my deb ration was at 22 % I asked why they would not allow me the 28 % debt ration, she said navy Federal was not a like most banks, after not backing down in believing I'm being whitewash, she decide to make inquiry about the loan being increase. 

I was told she would called me on Tuesday the compliance person would contact me in the mean time no phone call, while missing out on home due to the wait for the increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Incorrect information is being reported. Company will not update information in a timely manner despite updates being provided directly from creditor. Credit score does not reflect activity. Company should have a faster process to resolve disputes when consumers are impacted by negative information especially when it is incorrect. Consumers should not have to pay for these services and not be able to receive expedited assistance in emergency situations such as when health, housing and transportation are impacted.

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 2023-04-16
Company: EQUIFAX, INC.
State: NY
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:
INQUIRIES LISTED BELOW! 
XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX removal date XX/XX/XXXX XXXX XXXX XXXX  inquiry XX/XX/XXXX THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 SECTION 604 A SECTION2 : THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL AS XX/XX/XXXX THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM 3 CREDIT BUREAS. 
as XX/XX/XXXX the 3 credit bureas removed this fraud account, and then between XX/XX/XXXX -- -- XX/XX/XXXX this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as iam not mobile and not able to get better paying jobs due to bad credit and a car and home as well. 

15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT. 

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible! 

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX I'm writing to you regarding discrepancies I have found on my credit report. Why is this account by XXXX XXXX being reported with only 1 credit bureau. It needs to be DELETED for INACCURACY According to FCRA : 15 U.S.C 1681s-2 ( a ) ( XXXX ) ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: DISCOVER BANK
State: KS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I recently applied online for a personal loan with Discover Bank to help consolidate my credit cards. After checking my credit, I got a message congratulating me on being approved for a {$20000.00} loan. They allowed me to choose the length of the loan, ( 48 months ) and Discover set the loan at a 12.99 % interest rate. Discover then asked how I wanted to receive the funds, by mail or direct deposit, and to list any creditors I wanted them to pay-off on my behalf. I filled out of that information and was told to expect the funds within 3-5 business days. Then as a final step to verify terms and conditions, I spoke with a representative, who asked very intrusive questions on why I needed the money, and why did I use my credit cards to pay for gas and groceries instead of using cash. 
After 30 minutes on the phone it was clear that I was being made to apply for the loan all over again, and was made to feel like I was begging for free money instead of money I would be paying back at a high rate of interest. 
Today, 3 days after applying, I received a letter in the mail saying the loan was denied because of " Excessive bank card balances and usage '' That makes little sense when the whole purpose of the loan was to consolidate credit card debt, which they knew from the very beginning before I got the message the loan was approved. 
I feel this is a case of discrimination because everything was fine and all set until I talked to the Discover representative on the phone at length, and he realized I am XXXX. My credit is good and I pay my bills on time every month, so why was a loan that was already approved suddenly not approved?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DISCOVER FINANCIAL SERVICES IS MAKING ME LIABLE FOR CHARGES THAT WERE COMMITTED BY MY ROOMATE IN MY ABSENCE. I WAS NOT IN THE COUNTRY AT THE MOMENT WHEN THE CHARGES WERE MADE. I PROVIDED DISCOVER SUBSTANTIAL EVIDENCE TO PROVE THAT THE DEBT DOES NOT BELONG TO ME AND INDEED IT WAS DONE BY MY ROOMMATE AGAINST MY WILL OR ALLOWANCES. FOR THESE REPORTS I SWORE UNDER OATH THAT THE FORGOING IS CORRECT OR I CAN FACE CRIMINAL CHARGES. I WOULD NEVER LIE AND RISK MY PROFESSIONAL CAREER OVER BAD CREDIT OR FRAUD CREDIT CARD ACCOUNT. HAVING BAD CREDIT IS MUCH BETTER THAN BEING AN CRIMINAL AND NOT BEING ABLE TO WORK. AGAIN DISCOVER NEVER OBLIGED THAT MY DEBT WAS NOT DUE TO ME AND MY ROOMMATE HAS BEEN USING MY CARD FRAUDULENTLY FROM XXXX TO XX/XX/XXXX. 
I HAVE SEND DISCOVER FINANCIAL SERVICES NUMEROUS IDENTITY THEFT REPORTS, POLICE REPORTS AND EVERY-TIME I RECEIVE AN VAGUE RESPONSE THAT THE EVIDENCE IS NOT SUFFICIENT AND THEY REQUIRE MORE TO HELP ME WITH THE CASE. 
IN THE BEGINNING OF XXXX I FAXED OVER DISCOVER FINANCIAL SERVICES AN UPDATED POLICE REPORT FROM XXXX POLICE DEPARTMENT AND ALSO CALLED DISOVER FRAUD PROTECTION SERVICES AT XXXX. I WAS TOLD I WILL BE CONTACTED BY THE FRAUD INVESTIGATOR.I WAITED 2 WEEKS FOR THE REPORT TO BE UPDATED AND NOTHING OCCURRED. SO I CALLED BACK ON XX/XX/XXXX TO CONFIRM IF THEY HAVE RECEIVED THE NEW POLICE REPORT FROM XXXX POLICE DEPARTMENT AND ARREST REPORT BECAUSE MY ROOMATE WAS ARRESTED ON CRIMINAL CHARGES. AGAIN DISCOVER SAID THEY HAVE NOT RECIEVED THE FAXED DOCUMENTS, FOR WHICH I HAVE CONFIRMATION THAT IT WAS SENT TO THE RIGHT PHONE NUMBER. I FEEL LIKE DISCOVER FINANCIAL SERVICES IS BEING MANIPULATIVE AND NOT TRYING TO HELP. THIS IS CORPORATE GREED AND MAKING CUSTOMERS PAY EVEN THOUGH THEY HAVE BEEN VICTIM OF FRAUD. I SPOKE TO XXXX LAST TIME AND WAS TOLD TO FAX THE DOCUMENTS AGAIN, I TOLD HER " I DONT HAVE MONEY LEFT TO KEEP SENDING DOCUMENTS '' it does COST {$2.00} PER PAGE. 

DEAR FTC PLEASE HELP ME WITH THIS FRAUD CASE, DISCOVER IS NOT BEING COOPERATIVE AND THIER WORKERS ARE BEING MANIPULATIVE AGAINST ME. EVERY TIME I TRIED TO PROVIDE EVIDENCE, IT IS ALWAYS OVERLOOKED. PLEASE HELP ME I CAN NOT PAY FOR THIS FRAUD ACCOUNT, MY ROOMATE MADE THE CHARGES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 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

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 2022-12-04
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX day i was with my brother I won a bid on XXXX to buy a XXXX XXXX. Once I won the bid I was talking to the seller and he said to send him money through XXXX on my PNC bank. I sent him the money and then I was emailed by XXXX  to NOT send money because of suspicious activity. The guy deleted his XXXX account. I was trying to get answers and he ghosted me, and made off with XXXX dollars of mine. 

I have called and opened a claim with my bank 4 or 5 times and they said " Due to the fact you used XXXX, we can not do anything because you directly sent him that money. 

I know my bank could have done something and they did not. Please help me. Currently unemployed now and can really use that for bills

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Aqua Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I called the company to pay off my loan ; they took my information and we agreed for the final payment to be taken out of the same account my auto payment had been for the past few months ; payment was processed and I received the email confirmation. On XX/XX/XXXX the payment had not been deducted so I called to see what the issue was ; they claimed the employee who processed the payment hit a wrong number so it did not go through ; they attempted to charge me additional interest for payoff until I raised a storm cause it was there fault ; the agent backed off and went back to the same payment from the XX/XX/XXXX days. The payment has still not gone through and I have the funds in the account waiting. I want them to take the payment so I can be done with them ; but they are making it very difficult and I feel its game to just collect interest

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Experian Information Solutions Inc.
State: TN
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:
I sent letters to the credit bureaus on XX/XX/2022 regarding inaccurate and unknown things on my credit report. To this day, over 45 days after, I have not received a response. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days, so they should be removed now. This inaccuracy is preventing me from pursuing my school career and is holding me back from getting approved for things I need for school. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve these issues with my credit report.

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 2023-10-03
Company: Incomm Holdings Inc.
State: PA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a Vanilla gift card as a wedding gift but the last 4 digits are scratched off so I am unable to use it. I reached out to Vanilla customer service and informed them that it was a wedding gift and we received many of these cards and do not have a receipt. I also don't know who gave this specific card as we received many of them. They requested my driver 's license and a picture of the card, and receipt. I provided a picture of my license and the card, but I reiterated to them that I do not have the receipt as it was a wedding gift. The customer service rep confirmed there was {$250.00} on it. I don't even need a new card, I would be fine with knowing the last 4 digits so I can use it online, but they have continued to ask me for the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Performant Financial Corporation
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My student loans are in default but I have had a wage garnishment that has been paid every 2 weeks for 6 years. Although the CAREs act suspended collection Performant Recovery continued to collect wage garnishments bi-weekly until I filed a complaint in XXXX regarding their contacting a coworker. The garnishments stopped without notice. Recently HR returned a payment to me from XX/XX/2020 that was returned by Performant Recovery to HR. In compliance with the Cares Act is Performant Recovery required to return all payment received between XX/XX/2020 and XXXX 2020? I continue to receive weekly calls from Performant Recovery in effort to collect a debt. Please advise what next steps should be.

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