BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: IL
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:
To whom it may concern while checking my most recent Credit Report I notice inquiries that I did not authorize mad by the following companies. 

prestige fin XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize ant employee by these companies to make any inquiries and view my credit. Please validate this information with these companies and provide me with the documentation bearing my signature authorizing these inquiries. 

Finally request that these item be deleted from my credit report if these sign documentation can not be provided

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: IL
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:
To whom it may concern while checking my most recent Credit Report I notice inquiries that I did not authorize mad by the following companies. 

prestige fin XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize ant employee by these companies to make any inquiries and view my credit. Please validate this information with these companies and provide me with the documentation bearing my signature authorizing these inquiries. 

Finally request that these item be deleted from my credit report if these sign documentation can not be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a 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 any purpose ;

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 2023-10-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-01-16
Company: Ocwen Financial Corporation
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My ex wife and I were victims of predatory lending in XX/XX/XXXX with XXXX XXXX. Divorced in XX/XX/XXXX. She deeded the home to me in XX/XX/XXXX. Unable to pay on my own I was almost in foreclosure XXXX. The home was upside down in value. I finally modified ( Ocwen  ) the home in my own name in XX/XX/XXXX. New servicer ( PHH ) came in at the end of XXXX putting my ex wife back on the note. I finally had to stop paying since the new servicer refused to take my ex of the note. When the old servicer agree to take her name off. XX/XX/XXXX I had no choice to take the servicer & trust ( XXXX ) to XXXX Supreme court. Upon further research after filing summons & complaints, I've come to find out that the mortgage has been paid in full by XXXX XXXX  insurance. This means that the servicer is now trying to double collect. I have a quite title on my property. Of course I am running out of funds fighting against the big banks. XXXX has already been awarded by XXXX Supreme Court against XXXX XXXX  XXXX XXXX at the end of XXXX for over a XXXX dollars. In turn my ex wife has taken me to court for contempt over the same issue. My lawyers bill are surmounting! I have tried to refinance but the derogatory remark is still on XXXX of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
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:
Trans Union Reported Accounts and other Items on my credit report without my written permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, Bank of America decided to close both of my debit card account and credit card account without notice. 

I tried to log in into my BOA app but failed on XX/XX/XXXX. I called them for the reason, they just told me they had the right to close my bank accounts without reason and notice. ( Actually the letters from BOA I received 2 weeks later this call said that the reason is I had irregular transactions, I checked my spendings, and that transactions should be my two payments to a XXXX shopping website-the most famous one. ) I had no more chance to open another debit card account eternally. 

It took me around 3 hours to talk with the debit card and credit card department on XXXX XXXX need to wait for 2 weeks for the balance of debit card. And I went to BOA to pay the money I owned in my credit card account on the same day. 

But I couldn't get back my cash back rewards ( around XXXX dollars ), the lady from customer service department made a claim for me on XX/XX/XXXX, she could not click the " redeem '' button since it was frozen. She told me the back door office would deal with my cash back rewards and send it back to me in 4 weeks. Yesterday XX/XX/XXXX, I received a letter from BOA without any contact information, it is said that I couldn't get back my cash back rewards because my account had been closed. That is not me who made this decision without notice - made me had no time to redeem my rewards. I called BOA again, the customer services twice, benefits department, and another one, I had been transferred three times and finally no one could help me to get my money back. They said I am no eligible to have the service because my accounts had been closed and they had nothing to do with me. 

It is indecent to keep a former client 's money in this way. I only want my own money back to 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 2023-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
On XX/XX/22 I requested that the following account be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX CAPITAL ONE XXXX Validate Account The credit bureaus response was that they verified the accounts. I have since pulled my credit reports and there are still inaccuracies on the report.

15USC. 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 explanation
Consumer complaint received 2018-05-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I discovered that there are late payments listed during my installment period and I have made several attempts to correct the issue. Your company has continued to report incorrect information. I had several loans with other lenders at the same time and there were NO Delinquencies. These loans similar to the loan I had with you were in a deferment period.

The loan has been closed and the debt to you has been PAID IN FULL. However, your company is still reporting this erroneous information to all credit bureaus. This is clearly a clerical error on your companies end. I do understand that things happen. But I would like to request that one of two things happen moving forward : 1. My credit file is updated with all lenders showing that the payment was not late.

2. Since the loan has been PAID IN FULL! Your company remove all records of the debt from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Pursuant to 15 U.S.C. 1692c ( 1 ) ( 2 ) ( 3 ), the listed debt collectors shall cease all communication and remove all fraudulent accounts from my consumer report. The listed debt collectors have 4 days after receiving this notice to remove all fraudulent accounts from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

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 2017-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Ive tried to contact Transunion on this matter previously. I also filed dispute after dispute trying to get these inquiries that reappeared back on my credit in the year of 2016 due to their glitch. The company failed to take them off.

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 2018-05-10
Company: ROYAL UNITED MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2016 Royal mortgage charged me {$400.00} for an appraisal that was not required to refi. After my appraisal failed, XXXX XXXX told me i was angry because it failed. Im angry because he took {$400.00} for no reason. I had contacted XXXX XXXX  for the same refi and discovered it did not require appraisal. The loan was, under a XXXX XXXX  or XXXX XXXX who waive appraisals. I called XXXX XXXX asking why he charged me, he said he didnt know until after it was, done. I ask for money back and he ignored me. I was, with XXXX XXXX   and i provided loan #.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: EQUIFAX, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have replaced my XXXX XXXX debit card three times this year. One time as a precautionary measure ( prompted by XXXX ), and two times after fraudulent activities on the account. The fraudulent activities are as follows shortly after replacing the debit card the first time after having suspicions of possible fraud : XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX= {$2600.00} XXXX Consumer XXXXr= {$1500.00} XXXX XXXXXXXX= {$700.00} XXXX reversed all of the charges and I had to replace all unused checks, change my account #, change my online banking info, contact creditors with new bank info and put the account on high security alert. I also had to replace all of my credit cards and change all of my user name and passwords for online activity. I manually enter all user names and passwords now. 

I paid for XXXX to put my account on " Initial Fraud Alert '' on XXXX/XXXX/XXXX which would be in effect for 90 days. This included XXXX ( XXXX  contacted them ) that had me on their " Initial Security Alert ''. This did n't catch the 2 transactions dated XXXX shown above which were after the stated alerts. 

I then contacted Equifax to find out that my personal information was in fact compromised. This breach of information was in mid XXXX and the above fraudulent activity happened shortly thereafter. I do n't think this is a coincidence. 

To top it off, I then had another fraudulent charge to my new XXXX debit card as follows : XXXX XXXX in XXXX XXXX= {$970.00} I had a travel alert in my email the day before about going to XXXX which I was n't doing so I contacted XXXX the day before the above transaction ( same day I received the email ) and they still could n't prevent it from happening. So, they had to issue another debit card and freeze my account. I was in the process of buying a car and was transferring funds from one account to another when this happened which prevented me from writing a check to pay for what is considered a person 's second largest purchase in their lifetime. So, after running from one branch of XXXX to another and investing even more time into getting things back to normal, I was able to have a new debit card made that day and also got my account off of " freeze '' so I could pay the car dealer for the vehicle. 

I called XXXX to get my online banking secured even more and make some changes and have high alerts implemented again. They did admit to some security weaknesses???? Thankfully, I did n't have to go through the hassle of changing my checking account info again. 

When is enough, enough? I 'm now in constant fear of when the next fraudulent activity is going to appear. I 'm sending this email in hopes that it will be yet another step in securing my information ( it did n't do much good with XXXXXXXX XXXX, and Equifax ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Genesis FS Card Services, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Genesis card services has called me from so many different numbers, they will call repeatedly up to 11 times PER DAY, as well as calling BEFORE XXXX, or AFTER XXXX. Some of the numbers they have used to call me include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and those are all phone numbers Genesis Card Services has repeatedly called me from just in the last 4 weeks. They will also call back to back, sometimes even 3 times in a row, they have filled my voicemail several times with long messages that are silent and no one is talking, I absolutely can't stand being harassed like this anymore. Please help me and make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Dear Sir/Madam, This complaint and request for help is in regard to a mortgage and HELOC both held by Suntrust Mortgage for a home we owned in XXXX when the housing market crashed. Realizing we could no longer sustain the financial requirements to keep the loan in good standing, we put the property up for sale. Two offers on the home were submitted and both were rejected by Suntrust. This took place in XXXX. In XXXX of that year we received a foreclosure notice from XXXX XXXX XXXX XXXX on behalf of Suntrust. 

Shortly after that we received a warrant in debt ( which was dated XX/XX/XXXX ) for the second on this property which had since been sold ( for an unknown amount ) and as a result, we now have a lien on our current home. 

In XX/XX/XXXX we received a payment form the XXXX Suntrust XXXX which was in compensation for their un-fair treatment and predatory lending practices ( believing this matter to be settled at that point ). 

Numerous attempts were made within the last 2 years to contact and negotiate with Suntrust. Their representatives could not confirm that a lien even existed. At one point we were left on hold for over 2 hrs. with no satisfaction. 

On XX/XX/XXXX we received a notice that Suntrust had initiated a garnishment proceeding against only one of the previous mortgage holders and in apparent violation of the statute of limitations regarding the collection of this type of debt. We believe we have been treated unfairly by Suntrust and hope to resolve this matter as quickly as possible. 

Please see the attached documentation, 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
Consumer complaint received 2022-12-15
Company: Colony Brands, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Continue to bill me XXXX gor shipping back a return. I paid to ship it because it could not go XXXX. They refuse to acknowledge 5 attempts to clears this up

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Billing dispute for services

Complaint:
I just noticed that Transunion was deducting {$19.00} per month from my bank account. I never authorized this. I called and they said I had ordered credit monitoring in XXXX of XXXX. I never did. I simply asked for a temporary lift on my credit freeze and then to re-freeze. They said that I had ordered it but I am sure I did not and I never received any documentation from them about " credit monitoring ''. So from XX/XX/XXXX through XXXX of XXXX has Transunion has deducted {$19.00} from my bank account. They owe me {$190.00}

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