BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: PA
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 submitted a complaint again XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: HYUNDAI CAPITAL AMERICA
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX the company I called and spoke with the XXXX and stated to him that their company ran my credit without my consent and I have plenty of inquired from their company as if I were trying to obtain credit and he stated he will not correct the issue that I need to contact the credit reporting bureaus. 

XXXX XXXX, XXXX XXXX XXXX XXXX, and on XX/XX/XXXX : I contact the companies and I let the sale managers know there are plenty of unauthorized inquiries on my credit report and the sales XXXX stated I have to call the credit reporting bureaus to have them remove the inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted these XXXX companies by mail and they stated the inquiries are accurate after I stated to them they were fraudulent and unauthorized inquiries made. They replied and stated to contact credit reporting bureaus and add them to add a fraud alert.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am a victim of hurricane Ian. My mortgage company received my flood insurance money since I still had an outstanding mortgage. My mortgage was paid off on XX/XX/2023. I was originally told that I would receive the balance of the flood insurance money immediately, then I was told it would take 7 days for me to receive the money, then I was told that it would be 15 to 30 days before my flood insurance money would be sent to me. I have repeatedly called and was transferred to different departments only to be told this last time that it's definitely 15 days before I receive my money. Now yesterday, XX/XX/2023, when I called I was told the check went out on the XX/XX/2023, and that normally it's 7 to 20 days. The mortgage company that I had was Specialized Loan Servicing. You can imagine my frustration when not receiving the funds which are due to me, which should have been relinquished to me immediately following the sale and closing of my home. Specialized Loan Servicing didn't even want to send the check balance to me overnight they insisted that they will only mail the check.

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 2023-07-27
Company: EQUIFAX, INC.
State: AL
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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XXXX Mention in their Privacy Notice ; No Sale, No Sharing We do not sell personal information. We do not share personal information for cross-context behavioral advertising. We do not allow our vendors to sell this information or to share this information for cross-context behavioral advertising. 

However my Non-Public Personal information was sold, share, disclose AND ADVERTISED between XXXX, XXXX, Transunion, XXXX, and XXXX. XXXX did not engage in this Transaction. This is Infringement to my Privacy. 

I recently disputed XXXX ( XXXX XXXXXXXX XXXX ), because laws were broken in regards to my privacy. They responded and stated that they Service the account on my behalf, which is A violation under FCRA. ( Please See Attachment With The Statement ) ~15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

Also Under the FDCPA Violations were broken as well.

~15 U.S. Code 1692 - Congressional findings and declaration of purpose The Unfair Debt collection practices and Misuse of my NON-Public Personal Information being disclosed and shared without my consent. While being an uninformed consumer during these Transactions, it has caused damage to my reputation and livelihood.

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 2023-08-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase bank closed my account after depositing two cheques of XXXX each from my employer. When i contacted them they say there can not verify the cheques nor return my money. I gave them every evidence of where the money came from and even contacted XXXXXXXX XXXX XXXX XXXX for them to verify the cheques came from them and chase bank did nothing. I gave them the number of the owner of the business for them to contact her they have refused to do with claim they can not verify nor release the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was approve for a XXXX about two years ago. I was late one time back in XX/XX/2019. However, because I have auto draft setup, as a condition for loan approval. I was not notified until I had an alert from my credit report. I call and received no assistance and no one could explained why the payment was not drafted as agreed. However, over the last year or so, the lender keeps reporting late payments on and off. I have bank statements showing that the auto pay is drafted each month on time since XX/XX/2019. My credit score dropped from the mid 700 to below 600 because of this lenders actions. I attempted to get a loan to pay this lender off. However, because they periodically report late payments, I can't get a personal loan, business loan, car or house.

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 2023-06-20
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer agency can not furnish an 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 any of the following items of information Any other adverse item of information, other than records conviction 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 the information is incorrect.

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 2021-07-26
Company: Experian Information Solutions 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:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of malpractice or an error.

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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 name is XXXX XXXX, and I'm a natural woman submitting this complaint on her own behalf without the assistance of any third party. The companies identified in this FTC report # XXXX improperly obtained my personal identifying information through aggravated identity theft and are using it to improperly report negative information on my consumer report without my written consent or authority. XXXX XXXX, TransUnion, XXXX, and XXXX are reporting inaccurate, false, and fraudulent accounts, hard inquiries, collection information, incorrect names, addresses, phone numbers, and employment information that don't belong to me and were made without my permission, written consent, or legal authority, as well as information that wasn't collected from me. 
See attached as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 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 ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX Account # XXXX, 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 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: CITIBANK, N.A.
State: KY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I'm a recently retired XXXX XXXXXXXX after 24 years with one employer. I received a large payment from my company 's retirement account. While I was trying to determine how to invest these funds, I decided to open a Citibank high yield savings account so that these funds could earn interest while I worked on my investment strategy. I opened the Citibank account on XX/XX/23 and funded it with an electronic transfer from my checking account with XXXX XXXX XXXX. I made two additional deposits on XX/XX/23 and XX/XX/23. My total deposits into the Citibank high yield savings account were {$220000.00}. 
After meeting with my investment advisor, we determined the best use for the funds. As such, I started moving funds back to my XXXX XXXX XXXX  checking account from the Citibank high yield savings account. I was able to move {$15000.00} by XX/XX/23. Then, on XX/XX/23, I received an email from Citibank informing me that my high yield savings account would close within 60 days due to a violation to the terms of my agreement. The message provided a phone number to call to get more information. I spent countless hours discussing the issue with Citi customer service. I was transferred numerous times to various teams, but nobody could tell me anything additional other than what the email contained. I asked on several occasions to speak with management. I was told each time that they were all in meetings and not available. One individual told me he would have a manager call me. That didn't happen. I was also hung up on during one call. I simply wanted an explanation as to what I did as I felt there had to be a misunderstanding by Citibank. I was never able to talk to someone that could help. 
Now, it's been several weeks and I haven't received any additional communications, nor do I have access to my funds. My online access has been blocked for all my Citibank products, including a credit card I've held for a decade. I would like someone to discuss the situation with me and provide an explanation for what happened, and more importantly at this point, send me my {$200000.00} in retirement funds. Each day that passes, I lose significant interest income and any upside I would have from the investment opportunities I identified with my financial advisor. I don't understand how Citibank can permit a large transfer of money into an account but not allow those funds to flow out when needed. This is a significant amount of money for my retirement that Citi is holding hostage while treating me like a criminal.

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 2021-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 offers for Capital One credit card for a 0 % interest rate for balances and transfers in XX/XX/2021. I decided to order the o % credit card online and transfered a balance. When I received my first bill I saw interest charges. I called capital one credit card customer service and spoke to an agent XXXX  and explained what b happened. She was unable to help. I asked for a supervisor and was transferred to agent XXXX ID # XXXX and explained the error. She said I received the credit card with 0 % on purchases only, that the balance transfer has a rate of 18 % interest. I explained that wasn't the offer I wanted. Why would I want to pay 18 % when I have exceptional credit. She told me there was nothing she could do. If I wanted to cancel my card I would need to pay the interest rate for the entire promotion which could be almost be {$2000.00} in interest for a {$9000.00} transfer. My credit rating is above XXXX. I feel like this is a deceptive practice ; by not disclosing this in a clear manner resulted in the mess I find myself in. Ib tried calling the corperate office at XXXX XXXX XXXX and asked for XXXX XXXX, who handles complaints. His mailbox was full. The same is XXXX true for the Financial Officer XXXX XXXX, dl mailbox. She I am a senior citizen and can't afford to pay this. Today, I received another promotional offer for 0 % interest on both purchases and balance transfers. This stress is having an impact on my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: GA
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:
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX CERTIFIED MAILING SLIP XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GEORGIA XXXX CERTIFIED MAILING SLIP XXXX XXXX XXXX XXXX XXXX Someone at the agency signed for it on XX/XX/2021 I, the consumer, and the Creditor for each account that is being reported on the consumer credit report is being reported without the consumer 's expressed written consent. XXXX  AND EXPERIAN was sent an affidavit of truth stating that I am the original creditor and XXXX  AND EXPERIAN has 10 days to remove ALL ACCOUNTS that are in direct and indirect violation with the FDCPA 15 USC 1692 ( entire section ). Each account on the consumer 's profile is false and misleading because, I, the consumer never gave XXXX  AND EXPERIAN any written express consent to place inaccurate information on the consumer report pursuant to 15 USC 1681a ( e ) and XXXX  AND EXPERIAN is in receipt of the INVOICE I sent that shows they are in violation.

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 2021-07-26
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-05
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On two occasions ( XX/XX/2023 and XX/XX/2023 ) I have applied for credit with Pentagon Federal Credit Union, and despite having excellent credit, both have been denied claiming that they have NOT been able to obtain my Credit report with XXXX. I also applied for credit with XXXX XXXX ( XX/XX/2023 ) and was also denied claiming they couldn't get my credit report with XXXX either. This serious error or discriminatory act on the part of XXXX has caused me great suffering because I needed to purchase construction materials for the renovation of my residence. My credit score at the time of application was over 800 points. 

Pentagon Federal Credit Union ( PenFed ) was again very irresponsible in pointing out again that I had several derogatory events on my credit history. The real reason should have been that they couldn't access my credit report, but to get out of trouble for the second time, they tell me as the reason that I have several derogatory events on my report, which is TOTALLY FALSE. My credit score is over 800, my credit history is excellent, and I have NEVER had any derogatory events on my credit record.

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 2021-07-26
Company: EQUIFAX, INC.
State: IL
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 fraudulent accounts and inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to the credit bureaus

Company response to consumer: Closed with explanation