BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: Experian Information Solutions 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 XXXX USC 1681.

The letters are stated with items and issues.

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 2020-04-06
Company: Comerica
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I got a new debit card a week ago. I've called the number on the " sticky '' on the card to activate it many times now. I get a recording stating that my card has been mailed and delivered - no option to activate. After trying 3 phone numbers trying to get a human I'm told ( by recording ) that there's a longer than average hold time. Soon after this they disconnect.

I understand limitations due to COVID. However this has happened a few times before COVID even hitting XXXX. I call for days ( in the past ) and wind up getting a human at about XXXX XXXX. Also, my wife banks with XXXX. They have humans manning the phones. Why not US Direct Express? 

I got paid on XX/XX/2020 and have been trying to rectify this over and over on a daily basis. I filed a complaint with the XXXX. They determined that it was a valid complaint and forwarded the complaint to US Direct Express but they allow 30 days for a resolution. I can not wait that long. 

I'm not a litigious person. I've never sued anyone. If I could speak a person at US Direct Express I would assure them that they could count on a law suit. Their actions ( or lack of ) are reprehensible. 

COVID DOES matter to me! I have over {$1300.00} in that account but am unable to buy food, medications and necessary sundry items. I can't pay rent or anything else. It strikes me that it would be a good thing to be able to eat this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CAPITAL ONE FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
There was a hard credit inquiry from XXXX XXXXXXXX XXXX on my credit on XX/XX/XXXX and I called the bank to report the issue and also sent over mails to them to dispute the inquiry but nothing was done about it. 

XX/XX/XXXX same hard credit inquiry happened but this time from XXXX XXXX and I called also and also sent in letters to dispute it and explain to them my account was compromised but nothing was done about it. 

On XX/XX/XXXX. A hard credit inquiry from Capital was made on my credit and I have called and sent in several letters but nothing has been done about it. 

XX/XX/XXXX. A hard credit inquiry was made on my profile by XXXX XXXX which I was not aware of and I have sent in dispute letters but it has not been taken off my credit. 

On XX/XX/XXXX a hard inquiry was made on my credit by XXXX XXXX XXXX which I did not approve nor was I aware off. I have written to them also and nothing has been done yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: MD
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:
I have contacted XXXX XXXX XX/XX/2019 and I did not authorize them to make an inquiry on my credit report. I will to have them send me proof of authorization or delete.

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 2023-07-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: AR
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 items 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, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance XXXX {$1000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$1900.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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 received a packet in the mail from Equifax stating inquiries have been deleted and they have not, I have attached what was sent from them and you can see where it shows they were deleted but when I log in and check my credit profile with Equifax they are not deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for an interest rate reduction refinance loan ( IRRRL ) when rates were at 3 %. The best the bank was able to give me based upon zip code was 4.6 %. I happen to own another house in a different state and location and the rate was quoted as low as 2.9 %. I feel one of my properties is being treated as a redline due to the outrages rates.

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 2018-03-07
Company: Continental Finance Company, LLC
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 do have many hard inquiries from companies that I do not recognize

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 2023-03-08
Company: MOHELA
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a letter indicating that my student loans have been forgiven. Also, the Federal Student Aid website indicates that I now have a XXXX  balance but my loan service provider, MOHELA, fail to update the credit bureaus with this information. My account/records should reflect a XXXX  balance and status as paid in full.

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 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
transunion and XXXX are failing to provide valid information about these accounts -XXXX XXXX account XXXX -XXXX XXXX account XXXX XXXX XXXX XXXX account # 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 2020-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020 and 15 other dates someone tried to obtain a credit card in my name. XXXX  was no help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 602 ( a ) states I have a right to privacy.

15 U.S.C 1681 604 ( a ) section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 ( c ) ( 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 1681 ( s ) -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.

These credit reporting agencies never requested or asked for my consent to obtain and share my information which violated my privacy 15 USC 1681

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 2019-06-17
Company: M&T BANK CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX, my vehicle was struck by another driver who was trying to complete an illegal U-turn on a four-lane highway. My vehicle was deemed a total loss by my insurance on XXXX XXXX. Since XXXX XXXX, I have made several calls to M and T Bank ( finance company ) regarding assistance with XXXX XXXX XXXX ( my Gap Insurance ). My finance company indicated that after my automobile insurance payment the remaining balance was XXXX. I submitted the information to my gap insurance carrier and they only agreed to pay {$3600.00}. If this was correct, I would still be out of pocket {$3300.00}. In addition, the gap provider known as XXXX XXXX XXXX indicated that I missed several payments that were actually paid. 

For instance, Gap reported no payments for XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX of XXXX, and XX/XX/XXXX. 
XX/XX/XXXX was paid on XX/XX/XXXX XX/XX/XXXX was paid on XX/XX/XXXX XX/XX/XXXX was paid on XX/XX/XXXX I submitted payment history to the Gap carrier, and they are not willing to review it. The Gap insurance advised me that M and T was not accurately applying my payments and indicated that some payments were applied to interest only. In addition, the Gap carrier indicated that I was charged interest for some payments when I shouldnt have been ( as some payments were made during the 10 day grace period ). 
M and T indicated that the Gap Insurance shorted me {$1600.00} and I've requested documentation from M and T to send back to the Gap carrier but they have not been willing to provide it. 

I'm requesting that M and T to help me resolve the issue its almost two months. Ive been hung up on, promised call backs that were never received, transferred back and forth, and now I need both parties Gap and the Finance company ( M and T ) to help me resolve the issue and review all appropriate documents.

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 2019-11-18
Company: Specialized Loan Servicing Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have received two documents with different interest rate increases. One is dated and the other is not. I am in an increasing interest rate modification. I do not know which one is correct. 

I do not contact SLS, they won't talk to me on the phone. I can only send emails.

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 2023-07-01
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I tried to apply for the student forgiveness last XXXX, XXXX. I find it very unfair that the student forgiveness program only has a beginning year of XXXX. I should qualify if the program would include ALL time in public service..I worked for XXXX XXXX from XXXX, XXXX XXXX and XXXX XXXX from XXXX . I have accrued XXXX XXXXXXXX years in 2 counties and am vested after XXXX years. 
Also, I find it very unfair that the interest on my student loans is excessive!!! I can't help it if I had extenuating circumstances beyond my control as to fall far behind on my payments, such as layoffs, unemployment, COVID and surgeries that through the years has impeded me from continuous payments as to NOT accrue extra interest. I would like to arrange a better outcome with my student loans as to be more fair..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Resurgent Capital Services L.P.
State: FL
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 sent a letter requesting to verify and validate debt on XX/XX/XXXX and to give me information that they are able to collect. I also informed in the letter that I have not received any information from them about the debt they are attempting to collect I was not aware. So on XX/XX/XXXX submitted a disputes with all three credit agencies as unknown or dont because I did not know this was a debt that was being collected on only response was that the information was accurate and nothing else. They have also updated on my credit every month under two different names Resurgent and LvNV funding. They have two accounts reporting negatively on my credit report and is preventing me from buying a home. This is not right I did not know that they were attempting to collect any thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a Chase account on the basis of using the account for the United Airlines mileage points. After opening the account, the bank blocked my access to online bank. When I tried to call them to restart the process, then a rep claimed that they could not verify me even though I provided the telephone number on file. They claimed that they could not text the number. Meanwhile, when I went into the online portal to change my address, then I got block from the online portal access. I later discovered that Chase experienced " technical difficulties '' with its website. However, when I called about the matter, I got informed that someone would call me back. To date, the matter remains unresolved. That is, Chase fails to honor its agreement regarding my mileage points while also denying me access to the card. When I asked about closing the account, I got informed that I needed to use the online portal or visit a bank directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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: Reporting company used your report improperly

Complaint:
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT AMERISOL Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 explanation