BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-16
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased furniture from Conns last year XX/XX/XXXX when the furniture was delivered it was damaged wasn't put together correctly. Pictures attached as well as emails. I repeatedly called the store on several occasions trying to resolve on several occasions got the run around email corporate etc. Once I left the the store I realized XXXX decided to changed my contract and add services I didn't authorize I made a complaint about that I have voicemails where other stores tried to assist when XXXX the store XXXX at the time refused to be of assistance. Of course I find out now he no longer works there, I contact XXXX the now store XXXX he claims he emailed them and they said they called me which they didn't. I never received the mirror to bedroom set every time they came to deliver it was broken then suddenly XX/XX/XXXX they came they had the wrong brackets and they wanted me to sign saying they was coming back the next day I refused because I knew they was lying. I have every delivery date they attempted for something I still don't have which makes no sense they never provided me with the original contract or receipts all I have is my bank statements showing proof I also paid cash for a kitchen set that was damaged on arrival never was fixed and I basically was stuck because I paid in full. Here it is XX/XX/XXXX I still don't have a resolution but they decide to do a charge off on my credit report instead of fixing the problem. I have attached emails and pictures. I made these complaints the day of delivery and nothing was never done not months down the road!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

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 person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Fraud credit card was opened under my name with Capital One bank. I notified Capital One bank about this fraud account and they denied to open up a fraud investigation. I disputed the fraud Capital One bank credit card account with credit bureaus and Capital One bank keeps verifying the accuracy of this account with XXXX credit bureau, but they have notified to XXXX XXXX and XXXX that this credit card account is a fraud account and requested it to be blocked/removed from XXXX and XXXX XXXX XXXX However it's still reporting in XXXX. XXXX  XXXX bank keeps reporting in my XXXX credit report a fraud account and refuses to investigate it any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Chase Account No. XXXX. They opened an escrow account for my mortgage in 2015. I did not want an escrow account and do not need it because I pay my own taxes and insurance and always have. The escrow account has caused my monthly payment to increase and I can not afford the increased amount and I dispute the amount. I am elderly and do not want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 according with the Fair Credit Reporting act XXXX, Account name- XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-05-26
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela is not even processing my PSLF application. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved one so this pushes the processing time even further due to their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
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:
I moved to XXXX in XX/XX/2023. While here, I am unable to access the website for my XXXX XXXX without using a XXXX, even at times that doesnt work properly. 

I was unable to make a payment in XX/XX/2023 timely on my XXXX as I couldnt login to the account properly. Because of this, XXXXXXXX XXXX reported 30 days late to my credit report. 

I have since paid off the account to prevent any further issues from their XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: CA
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. section2 : 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 wich 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 person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-02-17
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I MADE AN UNINFORMED DECISION ON XX/XX/XXXX AND XX/XX/XXXX WHEN I ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH CAPITAL ONE WHERE I EXTENDED CREDIT TO CAPITAL ONE FOR THE FOLLOWING ACCOUNT # XXXX AND ACCOUNT # XXXX. 

THERE WAS NO EVIDENCE OF INDEBTEDNESS. THE ONLY EVIDENCE OF INDEBTEDNESS WAS THE AGREEMENT. BUT BECAUSE OF THE UNINFORMED DECISION THAT AGREEMENT IS NULL AND VOID BECAUSE I DID NOT UNDERSTAND AND KNOW WHAT WAS IN THE AGREEMENT. THE AGREEMENT WAS NOT CLEAR AND CONSPICUOUS AND I WAS UNAWARE OF WHAT I WAS AGREEING TO. 

VIOLATION OF THE FOLLOWING LAWS : 15 USC 1602 ( p ) 15 USC 1602 ( k ) 15 USC 1601 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: FL
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 attached 2 FTC report with fraudulent accounts and fraudulent inquiries

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 ALL HAS VIOLATED MY RIGHTS 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without 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 non-monetary relief
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2023-06-10
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice that XXXX sent a balance to collections. I contacted XXXX many times to tell them the balance was wrong and I paid over {$700.00} of what was the correct amount owed. They never would respond or fix the amount. The sent my balance to Diversified Adjustment Services And I got a notice dated XX/XX/23 at a wrong address that I havent lived at for over a year. I responded within the timeline luckily since I got the mail from someone on that old address. I mailed my response XX/XX/23 and letter said to call or write by XX/XX/23. I complied. They now have reported this on my credit report when I responded timely checking off the boxes saying this amount is not correct, send me proof of the debt and the collector, and that this was false. They violated laws and now have destroyed my credit when I complied. I will be filing lawsuits against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
Transunion, XXXX, XXXX have all stated that the investigation was completed, that they in fact found that XXXX confirmed that the bankruptcy belongs to me. However, in complaint XXXX against XXXX, they actually have DELETED the bankruptcy from my file. Transunion DID not conduct an investigation like they claimed.

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 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have a several inquiries on my credit from companies that I have not applied for anything with. This should not be listed on my report. I have not given my consent to anyone on paper or verbally and this should not be on my credit. I called these companies & they say they have no information. So how is this being reported? Please delete this request listed on the identity theft report I have attached. 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 2022-12-20
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/2022 Prosperity bank did the the international wire transfer to XXXX to my Account in XXXX with XXXX bank. 
Wire transfer is for {$250000.00} ( American dollars ) Time that I was supposed to have the money was XX/XX/2022. 
I had to comeback to XXXX to find out was going on with my money and no one seems to know where my funds are. 
On XX/XX/2022 I received an email from prosperity bank letting me know that XXXX XXXX bank created a case number XXXX and that the funds are pending at the beneficiary bank waiting for documents from the beneficiary - Ive contacted all banks and no one will tell me what is needed. The reason I borrowed this money was for a property purchase in XXXX for which my substantial deposit is now at risk over these delays. I also had to pay for an addendum to the sales contract. XXXX is short and I am deeply concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EdFinancial Services
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a payment to one of my loans on XX/XX/2023. When I made the payment, the balance was {$3500.00}. I made a {$2000.00} payment. I received a confirmation email with a confirmation number. This is the only record I have of this payment as it is still not reflected on the servicer 's website under my account. On XX/XX/2023, the {$2000.00} payment debited from my checking account. Days later, my servicer claimed in my account history that a " customer refund '' in the amount of {$2000.00} was credited to my account on the same day my loans had been disbursed, XX/XX/2023. After this, the balance of the loan I made the payment on was {$1400.00} If this was the balance on XX/XX/2023 when I initialized the payment, I would not have been able to pay {$2000.00}, as the balance was lower than that. I have not been able to get ahold of my servicer through email, live chat, or phone. There is no record of my payment on the servicer 's website. In the meantime, I am out {$2000.00} and my loans are accruing interest that they should not be. Today I was put into a call back queue when I tried to call their customer service line. After several hours I finally received acall just to have the representative disconnect the callbefore I could even address the issue. They claimed they were " pulling up their system '' and then the line disconnected. I called back and was placed back in the queue at XXXX. I never received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
This is the second time I try to resolve this with USAA, but it has not worked. USAA failed to cover my mortgage and other payments with my secondary account/overdraft protection which has plenty enough funds. The first time I tried to resolve was about 1 month ago when my mortgage servicer, car insurance, and internet provided messaged me that my payments were returned. I then patiently stayed on the line for clo se to 1hr to talk to a representative who explained to me that USAA had made some systemic changes/upgrades and that affected overdraft protection for some members, including myself. She refunded some of the fees- not all of them - and placed back the overdraft protection. Fast forward one month a nd the same issue occurs. This time is my mortgage and a couple of other payments and the wait time to talk to someone is over 1hr. Last time I had to go through the embarrassment to apologize to my creditors and had to absorb their late fees. This time I expect USAA to refund all fees - banking and creditors- and an apology letter at minimum. But most importantly, I expect a world-class organization like USAA to get it right. If and when systemic enhancements/changes are made, perform adequate pre-implementation testing to ensure preventative controls are in place to minimize/eliminate consumer impact.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief