BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: CA
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:
Equifax, XXXX  and XXXX  have violated my rights by reporting this incorrect account that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
TransUnion has continued to withdraw {$19.00} from my bank account for an unknown service without prior authorization. On XX/XX/23 I spoke with several supervisors, and was disconnected twice. No one would or could resolve the 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 2022-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
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:
I was contacted via telephone to inform me that " Bank of America '' had received a credit application in my name, and they were calling to verify the information and if I had indeed submitted an application. To be very clear... I DID NOT apply for credit with Bank of America. I also received a letter with Bank of America letterhead informing me to call " right away '' to verify that I submitted this application. I called the fraud department from a number I found on the Bank of America website ( not from the letter ), and they informed me that the letter I received, and the call I received were not from them. I DO NOT HAVE ANY ACCOUNTS associated with this institution. They verified that I do not have any accounts with them. They encouraged me to file a complaint here, and with the credit bureau.

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 2022-03-12
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
T.D. Bank Credit Card from Raymour and Flanigan approved a credit card with a limit of {$8000.00} in XX/XX/XXXX, since than I have made multiple purchases and payments. The payments that I have made have been over the minimum payments. I made 2 purchases on XX/XX/XXXX. I made a payment of {$170.00}. a few days late on the month of XXXX my payment was due XX/XX/XXXX, and I made the payment late XX/XX/XXXX. Then I made a payment in XX/XX/XXXX, for {$2300.00} only owing {$400.00}. and still leaving me a limit of {$8000.00} dollars when I checked my account. The bedroom that I purchased on XX/XX/XXXX was being delivered today XX/XX/XXXX. The purchase went through just fine on XXXX. Raymour and Flanigan checked Friday XX/XX/XXXX to ensure that the bedroom set can be put on my credit where I still had the {$8000.00} dollar limit. Allowing me to receive my delivery today. Today, Saturday XX/XX/XXXX, they reduced my credit limit {$2700.00} this morning. The bedroom delivered today I had to have the deliverers put all the furniture back on the truck and take it back because than I would have been over the credit limit and TD Bank 's credit card would have charged me fees for being over their limit that they reduced today. I called and spoke to the Supervisor XXXX Title : Lead, Agent ID : XXXX at T.D. Bank who kept stating that they reduced because of my second late payment in 11 months but if that was the case, " Why didn't they reduce my limit in XXXX '' it was reduced XX/XX/XXXX the day of the delivery of the bedroom items that would have pushed me over their limit. They did not inform me they didn't give me a 45 day notice, there was no email sent or letter. When I stated to XXXX the Lead to close this credit card for their atrocious conduct with consumers he hung the phone on me. I will pay the {$400.00} dollars that I owe and close this credit card even if my credit score takes a hit. I do not want to do business with a company who intentionally does this without informing their clients. Although, I may had two late payments in XX/XX/XXXX, and XX/XX/XXXX, this are two different years I still made huge payments a few days later. This was during a pandemic and my payment was due XX/XX/XXXX, and I made a {$3000.00} payment XX/XX/XXXX. The payments weren't a month late they were days late. I asked the lead why I wasn't informed that I needed a 45 day notice before my items were being delivered that my limit being reduced the day of was wrong, He stated and I quote " You didn't inform us that you were going to have late payments when you applied for our credit card, did you? '' which was inappropriate and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
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:
I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. I implore you to expedite the resolution of my identity theft disputes without further delay. I require a comprehensive investigation into these matters, the removal of fraudulent accounts from my credit report, and the restoration of my financial standing. My rights, as a consumer, must be upheld, and justice must prevail. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts immediately.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing the following information items. 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.

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 2023-03-14
Company: EQUIFAX, INC.
State: TX
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:
There are 2 accounts that are fraud, they arent even with the particular companies and I Told XXXX XXXX and Regions and 3 XXXX XXXX  accounts about the problem. I sent proof over and the bureaus are still reporting the accounts. Equifax and XXXX says the account is in good standing and XXXX XXXX says that it is removed but i bought 4 new credit reports since then and i still see them! According to 3 consumer laws these accounts should be removed due to fraud and not belonging to me. XXXX and XXXX Inqiry on XXXX XXXX need to be removed. These accounts need to be blocked and removed, i called these companies several times and these need to be permanantly removed for fraud. XXXX XXXX and equifax claim to not have gotten all of my documents that I sent over and I got tracking numbers from the usps and receipts and no one is helping me at all. How are these things on my report when the fraudsters went to jail, im so confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: MI
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 # 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 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 2020-07-01
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, Discover Student Loans put my student  loan in repayment, despite the letters I sent ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), through its secure message application, reporting that my account should not go into repayment because I am a XXXX student, and will remain under this status until my graduation, expected either in XX/XX/XXXX or XX/XX/XXXX. 

On XX/XX/XXXX, I am receiving a letter reporting that my student  account has been delinquent for 9 nine days, and informing me that it will be reported to the consumer reporting agencies. The letter also asks me to pay the monthly payment of {$640.00}, and my student  account online comes up with late payment. amount of 2 x {$640.00} = {$1200.00}. 

No matter what I explain to Discover Student Loan, I keep having representatives pretending that they base their decision on the report from my school, which is just inaccurate because I am enrolled XXXX 

I am therefore requesting action from the Consumer Financial Protection Bureau to get the current action from Discover Student Loan suspended, have the status of my student  loan account reversed to " in school  '' as it should be, and get an explanation from Discover Student Loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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:
State employees credit union shared my account information with out my consent XXXX opened XX/XX/ XXXX XXXXXXXX opened XX/XX/ XXXX XXXXXXXX opened XX/XX/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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 2018-02-23
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Got call from XXXX XXXX on XX/XX/XXXX they said called from XXXX XXXX XXXX and just asked my date of birth with out disclosing why and for what they are calling so i had to hung the call. Later Received an letter on XX/XX/XXXX which was dated on XX/XX/XXXX mentioned that i Owe XXXX for XXXX XXXX XXXX XXXX So i Called them that i have paid in through my XXXX XXXX  on XX/XX/XXXX payment # XXXX through check and requested them to dispute it and send an confirmation mail that it is disputed and they are checking with Medical provider But the person in the phone was rude and mentioned that they would check with medical company but could not sent any letter or confirmation mail that it has been disputed and just disconnected the call ..

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 2023-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Capital one auto finance reported to credit bureaus that my total loan balance increased by {$52.00} This affects my score it dropped i disputed this NOW theyve reported that my balance had gone up by {$120.00}!! Ive never missed a payment always pay more than required agent keeps saying interest accrues daily i KNOW that! Been paying several years this has NEVER happened balance should steadily GO DOWN not up! Agent says youre all paid up nothing due till XX/XX/XXXX BUT we got your payment but didnt post it until blah blah so somehow the extra $ i paid just vanished agent talks in circles doesnt really say anything and DOESNT explain WHY they keep increasing my loan balance! What is happening to the extra money i always send? Why is this all of a sudden happening?? If they keep adding to the balance even though i dont miss payments and always pay more HOW will i ever pay it off?? Also ive requested paper billing several times and have not gotten it Agent told me XX/XX/XXXX  she would email me the information and did not The online statement doesnt show how much interest each month only total paid to date doesnt break down principal/interest I want paper billing and i want them to STOP reporting my balance increasing every month!! They reported balance DOWN by {$120.00} then changed it NEXT day to UP {$120.00} WHAT is going on with this company??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: VA
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:
Company improperly utilized reports & reported balances inaccurately

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 2022-07-23
Company: Experian Information Solutions Inc.
State: KY
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:
I have contacted FED STUDENT LOANS via XXXX and through Experian, XXXX and XXXX. REcently it was transferred to XXXX XXXX and the only creditor to respond was transunion. Please help remove these loans i went through a Chapter & bankruptcy and i have reported to them to remove the missed payments and remove the loans and two creditors are still reporting. I can included the adversary proceedings and the dates the payments were supposedly late were actually in bankruptcy.

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 2023-03-15
Company: PNC Bank N.A.
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 PNC BANK Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX. I am the sole successor trustee and successor-in-interest of the subject property of this complaint. The property is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I filed an application with the MO Homeowner Assistance Fund to assist me with reinstatement and my application was denied. I have applied for mortgage assistance with Select Portfolio Servicing. I recently was informed that the servicer contacted an unauthorized third party and discussed the status of my mortgage account. Since I am the sole third party listed, this is a CFPB violation and also a HIPPA violation of my privacy rights. My sister, XXXX XXXX was contacted today, XX/XX/2022 between XXXX and XXXX PST and was advised that the property was in foreclosure and was going to trustee sale in XXXX. Select Portfolio Servicing had no right to share or disclose information on this account to XXXX who is not authorized on this account. 

Once I submit an application ( RMA ) for assistance, it was my understanding that the foreclosure sale date is to be placed on hold while the application is under review. I would like to know what my recourse is based up on this blatant violation of my privacy rights.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
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: Personal information incorrect

Complaint:
Hi I have some misinformation/old info on my credit reports. 

I would like for Also Known As to be removed because " XXXX XXXX '' is not my name and I never went by that name. " XXXX is my first name not XXXX '' I would also like for my XXXX XXXX to be changed. 

XXXX XXXX is my business and I am the XXXX XXXX XXXX that is my current employer and my current position. I never had " XXXX XXXX XXXX  '' as my business or my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Better Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I spoke with my loan consultant at Better ( XXXX ) via phone to discuss my loan. We discussed the appraisal process and that the appraisal would be ordered and scheduled when I arranged that time with Better. I confirmed that the appraisal would NOT be completed prior to my scheduling the same as I was waiting on the inspection report and was also in the process of shopping for rates from other lender. I was assured that was not the case and XXXX encouraged me to continue shopping for lenders as Better would match any offers by other lenders. 
I received an email on XX/XX/XXXX that my appraisal was ordered. I confirmed that I did NOT want the appraisal completed and was assured it would not be completed until I scheduled the same. I received an email on XX/XX/XXXX that the appraisal was scheduled and on XX/XX/XXXX received an email that the appraisal was completed and would be sent to me. The appraisal was ordered without my permission when I EXPRESSLY prohibited the same until my consent was given. 
As a result of the appraisal being ordered without my permission and having received little to no communication regarding my loan from XXXX after multiple attempts for assistance through the application process, I decided to proceed with another lender. 
On XX/XX/2022, I sent an email to my loan consultant XXXX and a team leader XXXX requesting my appraisal to be transferred to another lender for closing. I did not receive a response to said emails. I received a call from another loan consultant who attempted to salvage the mortgage. After several conversations wherein we reached an impasse I confirmed via phone that the appraisal needed to be transferred and was assured the process would be completed as soon as possible. 
My new lender and I have sent multiple emails to Better attempting to request the appraisal be transferred. I close on XX/XX/22 and it is now XX/XX/22 with no completion of the process. I have been told Better is waiting on a " paid invoice '' before they will release the appraisal. There has been no contact with me directly outside of my numerous calls into Better wherein I am constantly told everyone is on a call or a meeting and I'll be responded to, but I do not receive a response. I was charged {$550.00} for the appraisal on XX/XX/XXXX. The amount has cleared and was given to Better for an appraisal that was not permitted to be ordered.

Company response to consumer: Closed with explanation