BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/23, I pulled my XXXX XXXX credit report and noticed an unauthorized inquiry from Capital One. I am writing to complaint on Capital One because they have to permissible purpose to pull my credit report and I am concerned with the violation of privacy and the Fair Credit Reporting Act. I do not have an account with Capital One and therefore they have no right to the information contained in my credit report, I also have not applied for any of their products that would've triggered this pull. 

XXXX XXXX is allowing for companies to pull my report with no permissible purposes. 

Attached is a screenshot of their pull on XX/XX/23 from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Barclays XXXX XXXX XXXX XXXX XXXX keeps lowering my credit limit for no reason. I have never missed a payment, always make more than the minimum payment and have the income to support the credit card. I can only assume that there is an issue with age and gender discrimination.

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 2023-12-18
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Recently i was a victim of identity theft i which the bank anylst determined so i attempt to open a new checking account but their seems to be a issue

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 2018-08-30
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, Equifax, XXXX ), Bankruptcy chapter XXXX-dismissed Reference XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( XXXX, XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, Equifax ), XXXX XXXX XXXX Acct XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX Acct   XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, Equifax ), XXXX XXXX Acct   XXXX ( Equifax, XXXX, XXXX ), XXXX XXXX XXXX Acct XXXX ( Equifax ),  XXXX XXXX Acct XXXX ( Equifax, XXXX ), XXXX XXXX XXXX XXXX XXXX Acct XXXX ( Equifax ), XXXX XXXX XXXX Acct XXXX ( XXXX  ), XXXX Acct  XXXX ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17
Company: EQUIFAX, 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: 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 right to private and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company ( Mr. Cooper ) has not paid my city property taxes since XX/XX/XXXX. I have emailed the company the information and called on XX/XX/XXXX, XXXX, XXXX, XXXX and no action has been taken to pay the taxes, late fees, and interest. I have tried to get a HELOC through another bank and the title company will not allow the HELOC to go through until the city taxes are paid. This is holding up construction plans for an addition. There is more than twice the amount needed to pay the taxes in the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of XX/XX/XXXX my Conventional Loan that is serviced by XXXX XXXX is below 79 % Loan to Value and I have 0 missed payments since closing on this loan in XX/XX/XXXX. All of my payments and statements have included a Private Mortgage Insurance ( PMI ) payment of {$33.00}. I requested in writing to remove my PMI on XX/XX/XXXX due to the fact that my Loan to Value is now below 80 % and I have never made a late payment or missed a payment on my loan. I never received a response and my XX/XX/XXXX payment was still processed on XX/XX/XXXX with the {$33.00} PMI included. I sent a second request to remove my PMI on XX/XX/XXXX and again have not received a response. I contacted XXXX XXXX on XX/XX/XXXX and spoke to an agent that informed me a response would be provided to me by XX/XX/XXXX but I have received a response, and my XX/XX/XXXX statement still contains the {$33.00} of PMI.

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 2023-02-17
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, XXXX XXXX, consumer has come to the understanding that Credit Collection Services is in violation of my rights to privacy. ( see attachments )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Re : XXXX Wells Fargo provided a letter indicating they had no interest in my vehicle. However it is not adequate to clear my title.

I am trying to clear my title and I contacted The Secretary of State. I was told I must obtain a proper release from Wells Fargo. See email comments below. 
Wells Fargo should contact XXXX, XXXX XXXX with any questions about how to prepare a proper release. 

-- -- -- -- -- -- -- -- -- -- -- -- -- XXXX, XXXX XXXX To : XXXX XXXX ' Fri, XX/XX/XXXX at XXXX XXXX We need a statement from Wells Fargo that is wet ink signed by an agent from the company that lists the full VIN. 

XXXX XXXX Office Operations Supervisor Electronic Registration & Title XXXX : XXXXXXXX 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 explanation
Consumer complaint received 2021-03-10
Company: Santander Consumer USA Holdings 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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-26
Company: Atlanticus Services Corporation
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:
On XX/XX/XXXX, I responded to a pre-approval offer from Aspire Credit Card. Instead of a soft inquiry - which is standard for pre-approved offers - Aspire submitted a hard credit inquiry which is now reflected on my credit report. 

I called Aspire and asked to speak to the supervisor of phone operator XXXX. She told me her supervisor was not available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX loan appears on behalf of XXXX XXXX XXXX in which I have not applied for nor ask for any web or online pay day loan. I'm also filing a complaint with the US Attorney office as well as the justice Department on American Web. My credit file with Experian is opt out on marketing and offers etc. I have not ask or want any pay day loan. It seems like a lot of fraud on Experian part by XXXX  being a part of them. It also seems your targeting people for high loans and a big scam on all parties take your XXXX else where and no you been filed on several agency.I 'm also filing a police report on this company Experian as well as 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 explanation
Consumer complaint received 2023-08-13
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XXXX i deposited XXXX dollars into my account with an ending balance of XXXX which gave me an ending balance of XXXX a couple of hours later i had nothing in my account when i went to the bank the told me that a judgement was placed on my account for my girlfriend who i have been with for ten years, we have a joint account because she needed a debit card for her and our son in case of emegencies. i am the sol provider for my family. on XXXX a legal notice was delivered to the bank for my girlfriend saying she owed money from XXXX which was in a laywers hand and then sold to another in XXXX who claim to have verified an address that she hadnt lived in for years, and had a judge sign off on a judement without even going to or recieveing notice for court.so on XXXX they held XXXX dollars from my account and then charged me a legal fee of XXXX dollars. then when my check cleared they removed another XXXX dollars and another XXXX dollar legal fee and that was done on XXXX i went to the bank and spoke to some one who refused to show me any legal document but gave me a phone number for the laywer and a number for wels fargo and waas told they couldnt provide me with any addition al information. when i called wells fargo i spoke with there legal team who informed me that the bank could have given me the information that i requested so i was lied to by the bank about what information they could have given me. i have a joint account and am not responsible for my girlfriend debts from before we met i am the only one putting money in the account. after being told i could not dispute or get a refund on legal fees or the money taken from the account and me calling and complaining i recieved a XXXX dollar refund to my account on XXXX and also recieved a XXXX dollar check in the mail which was deposited in XXXX for some banking protection i never knew i had

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 2023-02-17
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We conducted the closing for our new home on XX/XX/2022, before this we asked the mortgage company XXXX XXXX XXXX ) many times to remove the Private Mortgage Insurance ( PMI ) from the monthly payment as we have already paid 20 % of the home price, XXXX XXXX kept procrastinating removing the PMI even after the Notary asked the mortgage company reps ( XXXX XXXX XXXX ) over the phone to remove it, XXXX XXXX asked us to sign the Closing Disclosure Documents then he will remove the PMI, suddenly after that we discovered that XXXX XXXX has sold the Home Mortgage to another company ( PH Mortgage Services ), I contacted them and asked them to remove the PMI, PHH refused to do so as they said that they received the mortgage with PMI payment during the first two years. 
I kindly ask for your help in order to remove the monthly payment of PMI from my home mortgage especially that I already paid 20 % of my home price. 

Thanks,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: CNG FINANCIAL CORPORATION
State: UT
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:
The credit bureaus XXXX and XXXX  are reporting inaccurate information on my credit file. They are reporting a late on Axcssfn/cngo for XX/XX/19. I have never been late and it needs to be removed off my credit. I didn't know this late was reporting until I checked my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EdFinancial Services
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2023, I have paid off more $ XXXX in student loans and I currently have a balance of little over $ XXXX. However, the XXXX credit reporting agencies ( XXXX, XXXX, and XXXX ) all do not show the current balance, but it shows the old and outdated balance of over $ XXXX. In addition, the credit reporting agencies show that the last time the loan servicer, EdFinancial, provided balance information was in XXXX or XX/XX/2023, which is almost 6 months ago. I am actively trying to apply to mortgage to purchase a home and my credit score is negatively impacted by EdFinancial 's failure to send the most current balances of my student loans to the credit bureaus. I have called and emailed EdFinancial about this matter, but they had not yet provided any response. I have opened disputes with 2 out of the 3 credit bureaus, XXXX and XXXX. 

EdFinancial must send my current loan balances to the 3 credit bureaus immediately. Until then, their inaction and failure of their duty to report balances to credit bureaus is harming my credit score and costing me real money in the form of getting higher interest rates that I do not deserve.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The companies below are violating code ( 15 USC 1681b Permissible Purpose ) however, I did not give my permission nor written signature to report this information to my credit report this information is not accurate and incorrect it is fraudulent. I demand that the information below gets removed immediately. 

XXXXXXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX XXXXXXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Closed on XX/XX/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 explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 did not authorize or consent XXXX or any other reporting agency to the following inquiries to be furnished on my credit report. 

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 2023-11-30
Company: Experian Information Solutions Inc.
State: GA
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 have fraud alerts on all three credit bureaus when credit is applied for I am to be called. These injuries are be made through the fraud alert and block.

Company response to consumer: In progress
Consumer complaint received 2020-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me.

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