BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have these accounts that does not belong to me and i want it to be remove from my credit asap. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 
6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

10. Identity Theft XXXXXXXX Account Number : XXXX This is not mine. 


XXXX 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft 01 XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I was told that my mortgage was denied because I missed a few months payments on a loan of about {$2000.00} because I was unemployed at that time 7 years prior. The loan was paid in full and my credtit was great across the board. They also denied my appeal when I stated the reason and provided documentation that all of my student loans were in good standing. I also applied for a credit limit increase months prior but was told I reached the credit limit Navy federal was able to provide account holders at {$2000.00}. Yes, only XXXX XXXXXXXX XXXX. This flat out LIE on top of my mortgage denial feels racially motivated and discriminatory. 

See email sent to XXXX on XX/XX/XXXX regarding denial below : Per our conversation, you informed me that the principal reason for denial was because of the history on a micro-loans I had with another lender probably a good 7 years prior. At the time of those loans defaulting, I was no more than XXXX XXXX XXXX and had lost my job so I was unable to make on time payments. Fortunately, I was able to find the means to pay ALL of the balances in full within the same year. Since then I have had 100 % payment history across my entire credit profile with the exception of my student loans which hadn't been updated at the time I submitted this application, but as of today they are all in forbearance until XX/XX/XXXX ( See attached document from loan servicer ). Any inquiries on my credit profile are a clear indication of my ongoing effort to ask you, or any other lender for higher limits and credit lines in general just to reflect that I am a responsible and have vision for my future with that particular financial institution. I have low if not a XXXX balance on my credit cards including the one I hold at NFCU. With all of this in mind, I feel it is unfair to deny me the opportunity to purchase a home when I have done nothing but try to build a solid, long standing relationship with Navy Federal. Also, I ask that the underwriting department keeps in mind that I am a licensed agent making me very familiar with the bouts home ownership in general, fair housing laws, and of course the closing process in general. I say that to say you can rest assured this will be a smooth transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: SC
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Sold I car I couldn't afford Tried returning it and I was thrown in XXXX  for that! Owner of XXXX XXXX is an XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since XX/XX/XXXX, I've been trying to apply for apartments, and loans and getting denied. Unsure why, I went to check my credit reports from all three credit bureaus. Transunion said that my score was XXXX when it was really XXXX, XXXX claimed that my credit was 'young ' even though my oldest student dated from XXXX, and XXXX XXXX my name and old addresses and a social security number that isn't mine.

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 2022-11-04
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had an issue with this mortgage company since XXXX turned it over to them. I have had several issues with this company. 
XXXX. I haven't received a bill, via paper or email since day XXXX even though I've made several requests. 
XXXX. I am only allowed to make payments via XXXX XXXX or XXXX XXXX. 
XXXX. I have requested a full audit of my account several times with no response. 
XXXX. Each time I speak to an agent I'm told I owe a different. I'm never able to get an accurate count of how much I owe. 
XXXX. I called today and they told me my house was in Foreclosure but, I'm yet to receive any type of notification.

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 2018-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
To whom it may concern, I notified my banking institution ( Bank of America ) on XX/XX/XXXX of fraudulent activity on my personal checking account that occurred between XX/XX/XXXX and XX/XX/XXXX. Someone was making XXXX Transfers out of my account without my authorization. I placed a freeze on my account and opened a new account with bank of America. One week later, I found the same charges happening and placed another freeze on my account. A claim for both fraudulent charges was made on XX/XX/2018 and XX/XX/2018. It wasn't until XX/XX/2018 that Bank XXXX XXXX notified me that they were denying my claim and has yet to notify me in writing that this happened. It was only because I went to my local branch to inquire that I found out this information. The claim was denied on the basis that the money was wired from my account using an IP address and email that was consistent with previous transactions. 

Later that day, I sent proof to the claims department that my computer was hacked and someone illegally took money ( {$20000.00} ) from my account. It wasn't until XX/XX/2018 that the bank confirmed that they received the documents I send on XX/XX/XXXX. I am now being told that they have until a date range of XX/XX/XXXX through XX/XX/XXXX to make a further decision on my fraudulent charge. In the interim, I have bills to pay including my mortgages of which that {$20000.00} was to pay. 

I am unable to speak to anyone at the bank that has any real knowledge of what is going on and I am not even certain that I have provided enough information to prove that I was hacked. I am not an IT manager so I really do not know if what I gave them is suffice. 

Every time I call them, I get the same answer that they are working on it and they will not provide me with the required credit after 10 business days as outlined in their own procedures because they are claiming that the claim was closed by being denied and their clock starts over. 

I have provided everything that I think I need to prove my case and every day that goes by is another day that data gets lost within my system. Not only was my identity stolen, my computer system hacked and my personal property taken from me and my family but now I get to wait 30-45 days to see if Bank of America has enough information to even get to the next step.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX AUTHORIZED USER Credit usage XXXX XXXX Balance {$3200.00} Balance updated XX/XX/2023 Credit limit {$3500.00} 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.

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 2023-05-21
Company: Experian Information Solutions 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:
My First & Last name are as follows : [ XXXX XXXX ] My Current Street Address is as follows : [ XXXX XXXX XXXX XXXX SC XXXX ] After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

After you have completed my request, please send me a copy of my credit report reflecting these changes. 
My current address is : [ XXXX XXXX XXXX XXXX, SC 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 2023-10-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a copy of my credit report and found the following item is what i am disputing. 
XXXX. Your in violation of 15 U.S CODE 1605 ( a ) and 15 U.S CODE 1666B XXXX XXXX Account Number : XXXX Please remove inaccurate late payment for XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/2020, XXXX XXXX renewed my auto insurance without my permission or validation. I was not driving at the time either. In fact, i am XXXX and unable XXXX XXXX. I was hospitalized in XX/XX/2020 for a week due to XXXX XXXX. I was unable to make decisions at the time as i was extremely unwell. I had no energy to dispute. It is the only negative mark on my credit and it is preventing me from getting housing. I was homeless because of the charge. Please can you help me get this goodwill charge taken off? I did not agree to it and i feel like they took advantage of me being XXXX and unable to dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has been an ongoing issue for months. They continue to call me on different numbers so I can not block them. See attachments

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-01-24
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The credit bureaus never did a proper investigation according to the FCRA In accordance with the fair credit reporting everything has to be a 100 % accurate on my credit report The credit bureau 's stated my account was properly investigation but how is that possible if the open date last active is inaccurate and the date last reported is not accurate this is grounds for removal. 

In accordance with the fair credit reporting at XXXX Accounts & numbers : XXXX XXXX XXXX # XXXX, XXXX Credit Bureau # XXXX, The XXXX Companies # 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 states I have 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Figure Technologies, Inc
State: ND
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
On XX/XX/XXXX I applied for a XXXX  with Figure. I was denied immediately due to " XXXX XXXX or type of collateral not sufficient ''. When I reviewed their automatic analysis and the denial letter I determined that they were using outdated public information to determine the value of my property. I reached out to provide the information concerning a recent XXXX 's XXXX XXXX I received that showed a value approximately {$60000.00} more than their automatic system determined. Through the electronic chat and review of the documents provided I determined that their analysis was based on none of the updates that have occurred on my property over the last XXXX years. These enhancements have resulted in an additional XXXX square feet of finished space in my home and some very significant upgrades on the outside of the house. I asked via chat for them to consider this in my property value. I was informed that the company uses only their analysis of the public information available and will not take into account any additional information as I have provided. I see this as an unfair practice as it is not taking into account any work that has been completed on a property. I expressed this to the individual I spoke with, however no additional consideration was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Account Name : XXXX  Account NumberXXXX Acct XXXX XXXX I have been trying to get this account deleted I have called credit bureaus and the XXXXXXXX XXXX to get this old account deleted/removed it was paid off back on XXXX XXXX, 2017. The Credit companies stated no change won't do a proper investigation and won't update unless XXXX updates them. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number:XXXX This account was paid off and settled I have sent out a letter and statements from XXXX to the credit bureaus it is a closed account and to remove and update my account for the dispute, I keep getting unchanged and verified. No change Account Name : XXXX XXXX XXXX Account Number : XXXX -Collection Account that needs to be reinvestigated and needs 30 days or more and none of the credit bureaus want to help or respond to this account Account Name : XXXX XXXX XXXX Account XXXX Account that needs to be reinvestigated and needs 30 days or more and none of the credit bureaus want to help or respond to this account I have contacted the collector and they have not been able to reach the person who actually reported the collection and there is no judgment the court has never sent me anything on file in the last several years and I am trying to get a removal due to Collection Account that needs to be reinvestigated or I want it removed from 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 2023-01-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a credit card statement from Citizens Bank on XX/XX/2023 ; even though there was no balance transaction, I never authorized using their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  account with, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX and 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 2 : it also state a consumer reporting agency can not furnish a account without my written instructions and I would like a copy of original with my signature

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 2021-07-19
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
card reinstatement however, for that we assess a {$25.00} reinstatement fee for all Consumer and Business products that qualify for reinstatement ( approved ) from a derogatory status. 
XXXX - XXXX XXXX  I am not sure what that means American express ... processed an auto draft Instead of drafting the min.balance they drafted below the minimum and accessed a {$40.00} late fee. I thought that was unfair ..because they often write and tell me with my low balances they won't accept any auto payment ... XXXX account ending in XXXX .... They adjust the payment all the time ... except when it is to their advantage ... American Express ...

Company response to consumer: Closed with explanation