BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
My legal name is XXXX XXXX my legal address is XXXX XXXX XXXX XXXX SC XXXX. 
on XXXX, XXXX  and Transunion they all have a variety of different names and addresses that are not mine. I work for XXXX county government located at XXXX XXXX XXXX XXXX  Georgia XXXX. 

I am request that Transunion, XXXX, and XXXX update, delete and report my information correctly or delete any and all entries such as wrong social security numbers, wrong addresses, wrong dates of birth, i want my credit report to reflect what is on my government issue identification. 

Thank you so very much.

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 2023-05-16
Company: KLS Financial Services, 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: Account information incorrect

Complaint:
Have on credit report that i owe them money-which i do not, nor have ever done business with them or any affiliates 2 charges from KLS/XXXX and a charge off by XXXX all inaccurate and don't owe them any money-needs to be removed from all credit reporting agency 's

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On or around XXXX I voluntarily surrendered my XXXX XXXX to capitol one bank. I followed the requested steps and gave the car back in good condition. The bank accepted my request and took the car back and sold it at a public auction. 

I knew I would be responsible for the balance after the sale. I filled bankruptcy shortly thereafter and this debt was included in my XXXX XXXX case. For a very long time I hear nothing from capitol one about this matter. Then in the later part of XXXX i get a letter from capitol one telling me that the title to my car will be sent to me if there are no balances owed. If there is a balance, I would be responsible to pay it back. 

I was livid when I got this notice and called capitol one immediately. I told them you are sending me an illegal letter and this account has been included in bankruptcy and I am not responsible for any monies owed you. I then told them they are sending illegal letters without the proper verbiage on it. For example, the letter they sent me does not have any wording about bankruptcy and letting me know I am not responsible for any payback 's due capitol one. 

in their fancy way they were trying to collect a debt if there were any payments due them. They also sent me letters without my consent and as I mentioned this debt was wiped away in bankruptcy. 

It gets better capitol one sent me a tax form for unclaimed income from the shortage of the car sale. They also sent the same falsified tax document to the IRS. I was in the middle of filling my taxes and had to include this false document. This bank violated my bankruptcy rights, sent a false document to the IRS, tried to make me include more income then was actually made. 
I escalated my complaint to the president 's office who was no help at all. Capitol One admitted to their mistakes and offered nothing as compensation for their errors and many violations under the bankruptcy code. 

I tried to negotiate an out of court settlement and they declined to work with me nor offer anything to make this right. I am now filling complaints with all the government agencies that govern them. 

Once I file all my complaints. I will hire an attorney to move forward and file a class action lawsuit for falsifying records to the IRS, sending me letters trying to collect a debt while it was included in a XXXX XXXX  bankruptcy, violations under the bankruptcy codes in South Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Rhode Island Housing and Mortgage Finance Corporation
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I opened a XXXX FHA loan with Rhode Island Housing in XXXX for my primary residence. When I opened the the loan, Private Mortgage Insurance ( PMI ) was added and I was told by the loan officer that I could remove PMI once my home had enough equity vs. the loan amount and I could show a good payment history. In XX/XX/XXXX, I proceeded to send a letter to Rhode Island Housing asking if PMI could be remove since the value of the house at the time was approximately 230k and I only owned XXXX. I received a response stating that 1 ) PMI could only be remove once the loan to value ratio equal 80 % of the original loan amount with proof of the no decline in the property value and 2 ) 24 months of satisfactory payment history. Further, the letter indicated that to satisfy the 1st requirement, my loan balance had to be reduce to {$100000.00}. 

Based on this information ( despite what i was told initially ), I made it a habit to pay a little extra each month so it could be applied towards principal. In XX/XX/XXXX, several payments towards principal were made and I was finally able reduce the loan balance below 102k. I than reached out to Rhode Island Housing on XX/XX/XXXX and again requested that they remove PMI from the loan and received confirmation that my request was received and would be forwarded to a manager to review. After weeks of waiting and waiting and following up with them, I finally received a response via mail on XX/XX/XXXX stating that my request was denied due to " Investors Guidelines ( XXXX ) '' which I have no idea what that means and why they are making this process so complicated? This has been a terrible experience and I request that the PMI that was charged since my request was submitted to be refunded back to me and for the PMI to be remove on the loan immediately. Further, I request all information in writing in the event that I need to pursue this through an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Rent Recovery Solutions
State: GA
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:
The balance is too high since this company has been charging illegal fee and I never receive any communication about the charges reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
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: Account status incorrect

Complaint:
XXXX and Equifax show in my credit report that a XXXX revolving credit card account is Open. That is wrong. The account is CLOSED. I have complained about this several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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 can not find the expiration date for the promotional XXXX % interest balance transfer ' I have with this credit card. The date that the promotional period expires is not on the monthly statement, nor can I find it anywhere on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is my XXXX complaint. I have provided my written information and my personal information. I requested proof providing statements showing I permitted to have my information shared to third parties for any purpose. If proof can't be provided remove inquiries and update information to Maximum Accuracy as required. The Fair Credit Reporting Act protects consumer privacy in multiple ways, including by " limiting '' the circumstances under which consumer reporting agencies may disclose consumer information. FCRA section 604, entitled " Permissible purpose of consumer reports, " identifies an exclusive list of " permissible purposes '' for which consumer reporting agencies may provide consumer reports, including in accordance with the written instructions of the consumer to whom the reports relate.

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 2023-04-04
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Dont know the date but contacted the credit bureau gave me info of the the debt collector, NCA for {$1300.00} was a {$900.00} loan I supposedly pulled out. When I was asked for address I lived at and employer I worked for it did not match.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
Upon reviewing my credit report, I have discovered that I have become a victim of identity theft, which is deeply distressing considering I am currently in the process of purchasing a home for my family. This unfortunate situation has had a detrimental effect on me. I kindly and respectfully request that you expeditiously remove these fraudulent accounts from my credit report. Please see attached documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: U.S. BANCORP
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for COVID 19 relief with US Bank. I was able to make all my payments. AS of today they will not release my mortgage to current status and claim I owe them XXXX. I am current with my payments. I have spoken to 4 different employees and each state that have started the process to end my relief. This stated in XXXX and still ongoing.

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 2021-01-08
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX over {$300.00} worth of charges were on my account! I messaged someone changed my password then called several of times!

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 2022-11-07
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:
To Whom It May Concern, I am having an issue with Experian credit reporting bureau pertaining to numerous accounts showing in error, without proper documentation as asked for through dispute and now the company refusing to investigate ( in accord with the FCRA and providing concise documentation on how verification criteria is or has been met ). 

Experian limits the dispute process for consumers and routinely states accounts are accurate and meet compliance without providing to me how exactly that compliance is being met. I have received no documents from my request as outlined in the FCRA and Fair Debt Collection Practices Act. 

Accounts for XXXX XXXX which have been disputed for the past 3 months have all been stamped as meeting FCRA requirements, but I have been provided nothing more than their blanket statement without the validation sought. I can not be the only one facing this issue. 

I am asking this agency to mediate a timely response and documented evidence of their investigation results, including copies of official documentation which proves the account is accurate. Materials which I have yet to receive, and which have been asked for repeatedly. 

Experian has also gotten into the habit of changing my username and password on XXXX nonconsecutive occasions prompting me to have to use their myriad telephone system to try to reach an agent in order to address this matter. I ask for your assistance as far as can be given 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 2022-03-28
Company: AR Resources, Inc. (FL)
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit score recently dropped XXXX points from a debt that was sent to collections, of what appears to be a fake agency. We had had two other bills in the past that we ended up just paying from not having enough knowledge of the topic. This time however it is for a debt that we did not have any records of ever having with the medical facility. They also have no bills during that whole calander year of 2020. This bills shows it originated on XX/XX/2020. We have never received information on it and havent received any response. I can not attach any documents since we have never received any

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Dave Operating, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I sent XXXX through cash app to my bank account Dave. It was suppose to be an instant deposit. It never made it.. I waited and waited no money. I called my bank they said it didnt clear they sent it back to cash app claims it made it to my bank in which it didnt I did this for a week Same response every time.. my bank and cash app sent me receipts of the transactions but my money is lost and they wont do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my 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 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-12
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Freedom Mortgage has my account as discharged through a XXXX XXXX and derogatory in the comment section. I sold my house and paid the mortgage in full in XX/XX/2021. I paid all payments outside of the XXXX XXXX plan. There was a payment included in the XXXX XXXX. I also made that payment outside of the plan and Freedom Mortgage receive that payment through the plan too. I spoke to Freedom Mortgage representatives they stated that they can report it discharged through the XXXX  XXXX even though the mortgage was paid through a real estate sale.

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 2020-12-17
Company: Experian Information Solutions Inc.
State: NJ
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:
I have 30 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2022-10-12
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I purchased the item ( front door and the installation ) from Home Depot located in XXXX XXXX NC, store number XXXX XXXX  # XXXX. The total amount that appears on my XXXX credit card is {$1700.00}. The door was installed on XX/XX/2022 ( due to supply chain global issues ). However, the product installed is defective. The installer identified the defects of the product and documented them in the report that was sent to XXXX and its vendor XXXX. I have been in contact with the XXXX executive team as well as with customer service ( available in writing upon request ), however, there is no progress on the issue. I only have a contractual agreement with XXXX and with no other vendors XXXX  uses, therefore, my complaint is addressed to XXXX XXXXhe cold weather is approaching and I still have big air gaps through the door and door frame. I have pictures and videos proving my concerns. 
This issue classifies as a false advertisement.

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 2021-01-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation