BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 sent letters to all 3 credit bureau aboit these false inquries on my credit reports. i didnt give permission for none of the five creditors to have a reason to pull my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This debt was apart of the federal lawsuit against the student debt companies. Biden against the student debt companies the suit was in Bidens favor he won, they only removed a portion of my debt and said I still owed when debt removal was up to XXXX. I have fighting against them to remove this debt over two years. I do not owe this debt this debt was filed with XXXX  online for debt removal. I filed a XXXX XXXX and a debt removal form earlier this year.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX I recently looked at my report and realized that there were inquiries, accounts, and delinquents hindering me from making purchases such as buying a house and car. These accounts listed are a result identity theft and need to be removed immediately. In accordance with Fair credit reporting act convergent these accounts has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 section 2 it also states a consumer reporting agency can not furnish a account without my written consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: ENOVA INTERNATIONAL, 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: Problem with personal statement of dispute

Complaint:
XXXX cfpb closed report immediately as SOP AND JUST mailed a letter. This standard operating procedure of do nothing is a Hallmark of what is in my opinion a corrupt organization, fraudulent and a lie. The facts confirm this opinion time after time. I wrote to edify those who actually believe this is a organization with integrity and character when by fact they have proven over hundreds of complaints to be a sham. They know this as truth but frankly don't give a XXXX! Above us all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: The Levinbook Law Firm, P.C.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The medical company submitted incorrect insurance information and is trying to collect the balance which they claim is owed. The insurance should have covered the bill. I have 2 insurance providers. Additionally this was a yearly physical which is provided free of charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
A dispute was filed XX/XX/2021 and this company is still reporting closed on XXXX bureaus and open on another bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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:
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.

has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
this is ignoring my rights are consumer. I sent disputes due to inaccurate informations and i have no received any updates.

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 2019-05-02
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/19 My home experienced a catastrophic hail damage event. On or about XX/XX/19 I contacted FLAGSTAR BANK, my mortgage company, to initiate LOSS DRAFT claim. FLAGSTAR BANK provided a packet of information needed in order to release funds and co-sign / endorse the funds provided by my insurance company. FLAGSTAR 's requested forms were outside the normal requests, required affadavits, notorized, documents, detailed and lengthy documents from both me and the general contractor / repair company. Since then : ( 1. ) FLAGSTAR has refused to return 5 calls ( 2. ) FLAGSTAR has refused to have a manager contact me despite 4 requests ( 3. ) FLAGSTAR has not returned a single email.

( 4. ) FLAGSTAR has not been responsive and supportive with required to paperwork completion, asking for petty changes and requesting multiple revisions.

( 5. ) FLAGSTAR has failed to process and acknowledge provided paperwork.

( 6. ) FLAGSTAR has been obstructive, slow, and unsupportive during a time of need and calamity for my family and 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
Consumer complaint received 2023-01-26
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: Account information incorrect

Complaint:
On XXXX XXXX and multiple banks like XXXXXXXX XXXX score powered by XXXX XXXX XXXX XXXX XXXX  all say i have scores in the XXXX to XXXX for years. I paid 100 % on time payments since I was a XXXX XXXX XXXX kid and paid 100 % on time for over a decade as one brought up in a low income minority. My credit use is XXXX % now. i took pics that show a bit higher but still in the green. XXXX derogatory marks, over 20 accounts, and only 1 hard inquiry from like 2 years ago. and 4 year average which is only 10 % of your score. I took pictures of mine and my friends who has a similar credit score. XXXX vs my XXXX. He has 80 % payment history over 30 late payments. a 96 % is lowest red. He got 80 %! 60 % card usage vs my XXXX %. a {$2000.00} credit limit vs my near {$50000.00}. only 10 accounts vs my XXXX. My score was this low for years. His was about this as well for a year or so. If I buy a house for my future wife and kids, I will be charged an extra XXXX XXXX in interest. It feels discriminatory that I get this score reported on multiple banks and credit karma while having 100 % marks for finance for over a decade since I was a kid always paying everything off on the due date. While an irresponsible rich person with over 30 late payments and over 60 % usage has the same score I do. I tried contacting the bureaus but they never pick up. And say to use the mail. Another friends i took pictures of. I'll even record all of it if you want. 98 % 3 hard inquiries 3 greens, 3 yellows has almost XXXX SCORE! I have 5 greens, and 1 partial red 4 year average only 10 % of total score. I used to compare with others at university to see many of my professors grading boys far harder than girls which is discrimination. There are many cases of banks discriminating against minorities all over the internet. I really hope that's not the case and the computer just acting funky. I would really like an explanation to what is happening. It's not necessary, but if I can get a fair credit score again using the 35 % 30 % formulas I should be easily over XXXX especially if a 98 % history with 3 hard inquiries can get people an XXXX. I am just looking out for my future wife and kids, and these horrendous interest rate and hopefully fairness. I have no ill will or blame against anyone and I realize humans and computers make mistakes. Please fix my score to make my family 's life easier.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-04-06
Company: U.S. BANCORP
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
U.S. Bank Advertised to offer {$500.00} cash bonus for opening a new checking account on their website ( www.usbank.com ). I opened a new checking account through their website on XX/XX/XXXX. I printed the screenshot which showing their requirements and cash offer details while I was doing my checking account application online. I met all the requirements and I was eligible for {$500.00} cash bonus on XX/XX/XXXX. On their advisement, they said that they would deposit the cash bonus into the consumers checking account within 60 days. 90 days passed, I still didnt receive my {$500.00} cash bonus. I contacted their customer service center several times. At XXXX AM XXXX XXXX on XX/XX/XXXX, the customer service representative called me ( phone number : XXXX ( XXXX ) XXXX ) and told me that they did not want to give me the {$500.00} cash bonus because I didnt have a credit card or other accounts in their bank. I told the customer service representative that they did not have this kind of requirement on their check offer advertisement. The customer service representative just terminated the phone call.

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 2021-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My name is XXXX XXXX XXXX and my Checking account was closed at Bank of America XX/XX/XXXX due to suspected fraud. I do not have any knowledge of fraudulent activity on this account. If there was any fraudulent activity it was done inadvertently. The amount of {$410.00} was paid in full XX/XX/XXXX. I am trying to open a new checking account but am being declined because Bank of America has a suspected fraud alert on my XXXX report. I am trying to explain that I do not know why this is so I can open a new account.

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 2022-05-02
Company: EQUIFAX, 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:
In accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has Violated my rigts 15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late fo any purpose

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:
I discovered that some of the information on my credit report was still incorrect when I reviewed it again. You need to validate this account and fix its status. My credit report includes the following erroneous information regarding this account that needs to be investigated and corrected :

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 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
TransUnion employee, XXXX XXXX, Senior Supervisor in the special handling department was the 4th person I spoke with on XX/XX/XXXX. I spoke with an agent in the disputes department, I spoke with her supervisor, I spoke with that supervisor 's supervisor, then she transferred me to XXXX who is her supervisor. 

Every single person told me they do not care what the law states about consumer reporting practices, that they only are required to comply with company policy. 

TransUnion is reporting an installment loan account by creditor XXXX XXXX, acct number XXXX. The creditor very accurately lists adverse information for this account and TransUnion classifies it as - " Condition Derogatory ''. The account was paid off and closed on XX/XX/XXXX, which is 9 years and 6 months ago. This violates federal law. 

In fact, TransUnion lists this account as a factor adversely impacting their computation of my credit score, and states that once this account is removed from my credit history, in time, my credit score will improve. 

My credit score from TransUnion, as a result of this error, is XXXX. In their explanation of the computation of this score, TransUnion states, " Based on your credit report data, this is a depiction of your credit worthiness. '' In comparison, my scores from XXXX and XXXX   are XXXX and XXXX respectively. Both XXXX and XXXX automatically removed this account at the 7 year anniversary without any request from me. More than 2 years later, TransUnion is still reporting this account in violation of Federal Law. 

The following code clearly states this account must be removed from my credit report. After 1 hour and 25 minutes on the phone, while still refusing to comply with the law, XXXX stated she was notating my account so that all other representatives would be advised NOT to remove this information under her direction, such that if I call back I will be refused for this same request, then she hung up on me. 

U.S. Code Title 15. COMMERCE AND TRADE Chapter 41. CONSUMER CREDIT PROTECTION Subchapter III. CREDIT REPORTING AGENCIES Section 1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reportsExcept as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-08-04
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I purchased a car and used XXXX XXXX as the lender. This car was a piece of junk and has never worked. I tried to work something out with the dealer and the lender. The lender gave me some astronomical rate and the car dealership sold me the car with false hopes of a good working car. I knew the rate would be high but they totally took advantage of me. 

The car has been reporting 120 days late since XXXX XXXX XXXX. This is not true. This car is a piece of XXXX that they wouldn't even come get, as it's worth absolutely nothing. The lender or dealer hid a bunch of fees in this loan as well. This account, at this rate, will NEVER disappear from my credit report. I'm not for sure what else to do. I have sent them numerous letters and disputed this with the credit bureaus. Each time they just keep saying the information is accurate, which it is not. They are refusing to make this right. 

This is affecting me mentally and financially. I can not do anything with this on my credit report. they refuse to send me the info about the car, they refuse to do anything at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: WELLS FARGO & COMPANY
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 belongs to someone else

Complaint:
I reported XX/XX/2019 Identity Theft / Fraud where someone opened up a credit card with my personal information at WELLS FARGO. Wells Fargo approved this card. It was opened XX/XX/2019 while I was outside the country. Amount {$17000.00} is the balance owed on this card. Whoever opened the card paid 3 months which were XXXX XXXX and XX/XX/2019 then defaulted in payments. That was how I found out when it showed up on my credit report and my entire credit was destroyed. 

I have been back and forth with Wells Fargo for 3 months now and my last call I was refused an update and told to go to a Wells Fargo branch to find out new information, if any. 

I want this dispute resolved and removed from my credit report so that my credit returns to excellent. 
Please help, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation