BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: EQUIFAX, 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:
My name is 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: AL
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:
Unauthorized inquiries

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 2022-11-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name US DEPT OF EDXXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have right to privacy 15 U.S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States ; no consumer 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 know or has reasonable cause to believe that the information is in accurate.

The response on XXXX for 60 days of completeness is not correct the company has 5-30 days for completeness 15 U.S. Code 1681i - Procedure in case of disputed accuracy W15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. C The furnisher generally has 30 days from the date the consumer filed the dispute with the CRA to complete its investigation and make appropriate notifications, but the investigation period may be extended an additional 15 days in some circumstances.

r reseller. ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from 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 explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Filed a dispute on XXXX XX/XX/2023 and still no response. It is almost 90 days with no update or corrections to 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 2023-05-15
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2020-12-29
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:
I disputed innacurate accounts reported by your company in the file you maintain Under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XX/XX/XXXX 
Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
There are some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The inquiries that are fraudulent are as follows : XXXX XXXX from XX/XX/ ; XXXX XXXX  inquiry from XX/XX/ and then there is XXXX inquiry on XXXX. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have mailed a letter to have my private information corrected and all that is not listed needs to be removed as it is in incorrect. I read in the consumer credit law it states that it's against the law to report inaccurate information.

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 2023-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a 360 performance savings account on XX/XX/22 with promo code XXXX and deposit $ XXXX within 15 days of account opening and maintain that balance for 90 days, based on the offer I should receive {$1000.00} bonus, but Capital One refused. They claimed that funds maintained within the account 90 calendar days following the 15-day funding period to qualify for the {$1000.00} bonus, but do not mention that if I deposit the funds quicker than 15 days and maintained the funds for 90 days will not get the offer. When I applied for this account, they only put maintain that balance for 90 days and get the bonus in their offer in bold words, and then they cheat their customers and refuse the bonus. I opened accounts in XXXX, XXXX, XXXX XXXX, XXXX and all other reliable banks, they have similiar offer, they let customers enough time to put funds in their accounts ( 15 days or 20 days ), when they provide bonus, they just check if the funds are maintained in their accounts enough time, it is common sense. I can not believe that a large bank like Capital One will play tricks on its cusomers like this, why starting the time after 15 days, not the date I put the required funds into my account? It is cheating, and I can not believe anyone will trust Capital One anymore. I talked to many of my friends about Capital One, and I feel ashamed of letting them to put their money in this unrealiable bank. I insist that I should get what Capital One promised in their offer, not be treated like a fool.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
In XX/XX/XXXX, I discovered that Navy Federal had auto loan rates ranging as low as 4.74 - 5.74 % for new and used vehicles for up to 60 months. There are 3 categories, new vehicle, late model used vehicle, and used vehicle. I submitted an online auto application, however, instead of there being 3 categories, there were only 2, new and used, so I chose used for 60 months with a trade in. I received a message at the end of my inputting my information that I needed to call in to have my application reviewed. I did just that and spoke with a rather uncooperative agent. She informed me that Navy Federal can offer me an interest rate of 5.44 % I asked her why so high, when my credit score range near XXXX, surely, I should qualify for the lower rate. She stated that is what is offered for a XXXX vehicle. I said to her, the website state late model used vehicle, but that wasn't an option during the application. I told her I wasn't happy with that and I would like a further review of my application with someone else. Later, I told her if they are unwilling to review my account then cancel my application because it's is false advertisement. XXXX weeks later, I received a letter in the mail of credit denial due to level of delinquency on accounts ( which my XXXX report has XXXX adverse account ), too many accounts with balances ( my accounts have less than 35 % utilization and low balances, too many inquiries, and length of time revolving accounts ( I have XXXX revolving account XXXX XXXX that is less than a year old ). I then began emailing XXXX XXXX and XXXX XXXX of my less than favorable experience. On XX/XX/XXXX, I spoke with XXXXXXXX XXXX XXXXXXXX assistant whom called me to offer me a rate of 6.9 % for a XXXX vehicle and after asking what factors determined that, she informed she could not disclose. I feel as though Navy Federal has discriminated against me with false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: AXOS FINANCIAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
WHOM MAY CONCERN My name is XXXX XXXX. I did a personal loan with Axos Bank and during the pandemic I had to stop making payments. On XX/XX/2021 I receive a letter from the lawyer XXXX XXXX XXXX. I did the process with a consolidation company called XXXX they lawyer XXXX XXXX XXXX represented me in court. On XX/XX/XXXX XXXX got into an agreement with the court and they amount of XXXX was withdrawn from my bank account, since then I have been requesting a pay off document for me to be able to do a XXXX and have peace of mind that I do not have anything pending with AXOS BANK. 

I call Axos Bank every month, because they keep sending me the bank statement that shows that I still own them, every time I reached they told me that I still owed the money and that nobody had communicated to them that they have been pay through court. I have sent all the documentation that the lawyer provided, and no solution has been given to me. 
I respectfully ask for your help because this is still affecting my credit and my peace of mind, I am a very hard worker women with XXXX XXXX XXXX and this is affecting me a lot please le me know if there is anything that you can do for me. 
Attached is all the information that I can provide, I really appreciate your time and help. Have a blessed day. 

Attorney XXXX XXXX XXXX ( XXXX ) XXXX ( my lawyer ) Attorney XXXX XXXX XXXX ( XXXX ) XXXX ( Axos Bank Lawyer )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the morning of XXXX XXXX, 2021 I received a text message from the XXXX XXXX in XXXX XXXX, NJ saying that an order was ready for pickup. This was confusing since I did not place an order and do not live close to XXXX XXXX. I checked my XXXX account and saw that there was no order listed. However, when I checked my bank account there was a debit from XXXX for the amount of {$1400.00} posted on XXXX XXXX, 2021. Again, I did not place an order nor did I authorize anyone to use my name or debit card to place an order. My debit card was deactivated by the bank and a representative from XXXX informed me that a XXXX XXXX was picked up at the XXXX XXXX XXXX XXXX using my debit card number. I filed a police report, filed an incident report with identitytheft.org and placed a credit alert with the 3 major credit bureaus. 

I received a letter from Bank of America XXXX XXXX XXXX, 2021 denying my claim. They claimed the charge was authorized by me or by someone who has permission to use the card or account. This is patently false and fraudulent on the part of Bank of America.

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 2023-04-18
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
- on XX/XX/XXXX the loan application for home buying for property in california was approved by Rocket mortgage - On XX/XX/XXXX the escrow process was completed, and the contract was signed with lender aka Rocket Mortgage - I called on XX/XX/XXXX about loan servicing and when it does start, i was first misinformed that loan doesn't start until 2 weeks, the loan started on XX/XX/XXXX, and i got no notification of it - I asked for documents, and i was given a run about - On XX/XX/XXXX I called my loan officer, and told them that i found the loan, and closing credits that i have got is not upto par what mortgage gives for similar profile customer, he tried to reach to Rocket Mortgage, and they deflected- I secure loan with 54 % downpayment on XXXX home value amount, and 798 XXXX  score, and least possible risk, but i was charged, and closing cost, which were substantially higher from my known contacts at Rocket Mortgage during that time period Loan Amount : $ XXXX Loan Rate : 7.5 % for 30 years, Closing cost : XXXX, XXXX This is especially when i had asked, can i least possible closing clost, compared to what is being given in market - Feeling uncomfortable about, i asked for Loan payoff on XX/XX/XXXX They started give me run around about closing, and finally gave me loan payoff statement on XX/XX/XXXX I was clearly told that during the loan payoff, that lien would be released immediately, and any pending funds in Escrow would be reimbursed in 10 days/ 2weeks I have proof of this statement - ON XX/XX/XXXX loan payoff was completed, and In the loan close off, they charged me fees, which were not in the original contact. 

- As of today they have neither released my escrow funds/overage on time ( it's been 2 weeks ), and also neither they have started lien release process over last 2 week i have made thorough follow-ups, over phone and email, and they have misinformed me in several different emails and when confronted that i have document for above details for release of lien and funds, they mentioned that website portal was wrong, some emails were wrong, but now they are right.

Also for Fees on closing, they mentioned that is to record with county to release lien, and in the original contract only the fee to record original sale was mentioned for borrower, and when i mentioned that, they said this should have been clarified before signing contract This doesn't make sense, as that by standard, anyone can leverage any bogus fee Releasing of lien is fiduciary/legal responsibility, and operating procedure for lender when they have been completely paid off .... 


- They also responded on giving loan conditions, and loan promotions, as it's upto them, which makes no sense, as that by very standard " discrimination is random '', and this has happened in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
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:
In XX/XX/2023 last chance, funding decided that they were going to send a XXXX document with a threatening letter to multiple companies against my business and me personally. One of these companies with XXXX and XXXX XXXX they fell for it. They took the threatening letter and they froze my account starting in XX/XX/2023. They froze my account and made it impossible to make payments to anyone including XXXX XXXX Including my paying for on XXXX. They then decided that they were going to report three illegal late payments to my credit. These payments would not have been late if they were able to be made if the accounts were not illegally frozen. My XXXX XXXX XXXX, as well as my XXXX account were frozen without a garnishment judgment or Levy from any legal establishment. And the late payments are erroneous. Being banned from being able to make payments for six months until the lawsuit was settled in XX/XX/2023 when Ive been very promptly paid everything in full they now refused to remove the late payments even though they legally froze the account and kept me from making payments. I want the late payments removed from my credit report. As they were illegally obtained. The accounts werw illegally frozen. XXXX and XXXX XXXX conspired and participated in this 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 explanation
Consumer complaint received 2023-04-18
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I called TransUnion, XXXX and XXXX credit reporting agency and informed them I pulled my consumer report and realized there were inaccurate information being reported on my consumer report. I initially spoke to the reporting agency to have this matter corrected. I have mailed in supporting documents. I am hereby notifying you that on those dates or similar dates I did not authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given the credit reporting agencies permission to furnish this information. Have understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.

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