BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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 got into a severe car accident back in XXXX and since then I have been trying to have GAP INSURANCE to pay for the deficience balance of {$6000.00} and they finally sent {$4500.00} last towards that and mailing out the difference this month. I am really concerned about the account because the lates shouldn't be there if GAP acted in a timely manner. I am pleading to you to have these lates removed or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged a lot of fees and I would like to have them all refunded.

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 2020-04-09
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
NewRez LLC wilfully breached its contract with us and violated federal and NY state law when it wilfully and intentionally failed to fund the loan herein. There is no condition in either the commitment letter or the conditional approval notice or law or regulation which allows them to fail to fund the loan herein.The three day right of recission under federal law is there for the borrower only. 

Once the closing occurred on XX/XX/2020, the funds for the loan were required to have been segregated so that the same would be immediately available on XX/XX/2020. Instead, late on XX/XX/2020 New Rez e-mailed the mortgage broker and told them they were not funding the loan. If the loan herein were for the purchase of the property it would have funded on the closing date. I attach the closing disclosure and commitment and approval notice. 

We called them e mailed them wrote them and had an attorney write them all to no avail. 

We want them to immediately fund the loan and pay of any all costs incurred by my clients as a result of their actions herein. 

They closed the loan and failed to fund and costs me a ton of money and ability to refinance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
Multiple missed payments were reported for my Navient account across all 16 of my student loans while I was in forbearance. Ive asked Navient to provide proof of the forbearance terms and they were unable to furnish that communication. They stated that the forbearance was verbal via phone and the representative I was working with likely entered something into their system incorrectly. I also received no communication before or during the months of XXXX, XXXX and XXXX when these accounts were reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have two accounts with XXXX XXXX and they are reporting inaccurate late payments payments were deferred and should not be reporting late XXXX  XXXX  tells me to take it up with the bureaus while they bureaus tell me to take it up with XXXX  XXXX  I have been reaching out to both with no help I would like all late payments off my reports

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I noticed some unauthorized inquiries on my Transunion credit report. Per TransUnion 's rules, a FTC identity theft report has to be filed in order to get them removed. I completed the report and mailed it into TransUnion. I called them to follow up on the removal of the inquiries and was told that my account was being handled by a supervisor and was immediately transferred to one. The first thing I asked was why is my account being handled by a supervisor. I was told that it's because there was a fraudulent report received. I said ok if the report was received why haven't the inquiries been removed? She stated that because the freeze was lifted online when the inquiries were made. I said well isn't that the point of filing a FTC identity theft report?? Isn't that the way most identities are stolen, online?? Someone hack 's your information and uses it for fraudulent purposes! Who are you to tell me that my information wasn't stolen?? I want every inquiry dated XX/XX/2023 and after removed from my credit report immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Credit Acceptance is reporting an inaccurate account on my credit reports that I have been disputing with the credit bureaus. 

Credit acceptance is reporting a monthly payment of {$0.00} but this account has consecutive late payments reporting for over a year. How are these late payments accurate if there is no monthly payment due? They are also reporting multiple inconsistencies between each bureau such as different balances owed, last payment dates, open dates and last active dates. 

It is their responsibility as a consumer reporting agency to report 100 % accurate information and they have failed to do so. They have violated the FCRA and my rights as a consumer to dispute any inaccurate information on my reports and to have valid accurate reporting accounts. 

This inaccurate account has caused me a lot of distress as I am not able to get approved and have low credit scores due to their negligence. I am demanding that this account is deleted from my reports now!

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 2020-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a credit of {$1400.00} due to a trip that was cancelled my card showed - {$1400.00} credit on my card. I went to bank to Withdraw the said amount. 
The following day My card showed a cash advance fee amount of {$43.00} I contact capitol one bank card @ XXXX. I spoke to customer service explained why was I charged for a credit as a advance fee to which he said he would put me on hold & ask if it could be waved.he came back and after a lot of verbiage he stated that it could not be waive. Reason did not make sense to me Therefore I am contacting you to see what my options are I have paid the fee as I do not want my credit to be damaged and hope that you can resolve this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-28
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I paid an old medical collection account with Credit Systems International via phone through a company representative, XXXX XXXX in the amount of {$130.00}. Numerous times it was announced the call was being recorded. Prior to making the payment, I specifically requested an email confirmation of the payment and confirmation of the deletion request of the collections reported to both XXXX and XXXX Credit Bureaus. I was assured my XXXX XXXX this would be sent to me, but not until the payment was made. 
My call was then transferred to a 2nd " bookkeeper representative '' who took the payment. When I provided her with my email in order to receive the confirmation, I was placed on hold and transferred to a 3rd representative who rudely informed me it was not a company policy to communicate with consumers electronically/via fax. I requested management personnel and was connected with Supervisor, XXXX XXXX. I explained the situation. 

Supervisor XXXX XXXX stated it is not company policy and no confirmation would be provided. I was told to " show up in person '' if I wanted confirmation These are blatant abusive/dishonest business practices being used with no consequences. There are many complaints on the XXXX website of this same nature with the company 's same canned reply. They are not following up to clear the collections appropriately on consumer reports, the original reason I requested confirmation. This has to somehow be in violation of Fair Debt Collection Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There were XXXX XXXX XXXX credit cards reported on my credit. I reached out to XXXX XXXX and advised they were open as a result of identity theft. An ex-boyfriend had access to my account and personal information and opened the credit cards in my name. I advised this to XXXX XXXX XXXX XXXX but they didn't remove the account, they said they were not fraud. 

Even though I was not the person who opened the accounts I still felt obligated to pay off the account because they used my information and I wanted to maintain a good relationship with XXXX XXXX XXXX XXXX. I paid all of the balances in full, I did not settle. 

I paid all of the credit cards in full but they are still being reported on my Experian report as a CO, and is the only account on my credit report that's negative. This needs to be corrected. 

This item being negatively reported to my Experian report is preventing me from getting approved for other accounts and or credit cards. I currently have a great relationship with XXXX XXXX XXXX XXXX and I want to maintain that great relationship.

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 2022-11-30
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: Information belongs to someone else

Complaint:
I received a letter from CFPB on XX/XX/XXXX, that you closed my complaint to protect my PRIVACY. I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were items on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX XXXXo get a report every month and I have been disputing fraudulent items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them REMOVED from my credit file.Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Below are the items that need to be deleted : XXXX XXXXXXXX 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 XXXXXXXX Balance : {$12000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00} XXXXXXXX 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 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 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 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 explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The United States Bankruptcy Court for the XXXX XXXX of Michigan does not report individual bankruptcy case filing data to credit reporting agencies. Nor do they update information directly to the credit bureaus. I have supporting documents.

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 1681 c. ( a ) ( 5 ) 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 crime 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 a reasonable cause to believe that the information is in accurate

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Monday XX/XX/XXXX I logged into my Capital One bank account and saw that all my funds were on hold. After seeing my funds on hold I immediately reached out to Capital Ones customer service representative and informed her about what was going on. The representative had asked if I knew about a XXXX transaction that occurred on XX/XX/XXXX and to my knowledge I proceeded to tell her I have no idea about the transaction as it happened over a month ago. The representative puts me on a brief hold and then tells me that Capital One is deciding to part ways with me. They never gave me an explanation on why my account is being closed. I went into the branch Thursday XX/XX/XXXX to see if I could at least withdraw the remainder of my funds since I was able to access my account, but the branch said that my account was still under investigation. The XXXX amount was {$150.00} which is why I am confused as to my account being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-05-05
Company: I.C. System, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXXt 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 an 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 2023-04-21
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately. 
XXXX XXXX XXXX, this is not my debt and Ive never done business with this company

Company response to consumer: Closed with explanation