BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act Capitol one Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX. Please update my name to XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2022-07-05
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:
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. 
XXXX XXXX # XXXX, XXXX, XXXX, 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 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 ) X1 ) 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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
on XX/XX/XXXX I uploaded a dispute at Transunion ( online ) to remove the final account that was a result of Identity Theft ( XXXX XXXX Credit Card # XXXX ). 
On XX/XX/XXXX XXXX XXXX # XXXX that was previously removed XX/XX/XXXX due to the fraud in question was ADDED back to my Transunion credit report AFTER successfully disputing the fraudulent account. 

XXXX XXXX has provided loan documentation that shows a completely different name on the loan in question ( XXXX XXXX XXXX XXXX in which I've never been associated with that middle or last name. I have provided sufficient identity documents proving this and thats why the account was deleted XX/XX/XXXX. 

I now have XXXX fraudulent accounts that have been verified as belonging to someone with a completely different name reporting to my Transunion XXXX XXXX # XXXX In accordance with Fair Credit Reporting Act, 15 U.S.C 1681 2, my rights have been violated. These fraudulent accounts need to be DELETED and BLOCKED from reporting to my Transunion 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 non-monetary relief
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-06-21
Company: Experian Information Solutions Inc.
State: OH
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:
Multiple inquiries for things I didnt apply for or authorize Ive asked for application proof and have not received anything from the establishment with my consent.

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 2021-09-18
Company: EQUIFAX, INC.
State: CO
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:
On or about XX/XX/XXXX I became aware by a vendor pulling my credit that XXXX mortgage was reporting be deceased ( on a mortgage that I satisfied in XXXX ). I have disputed this information now four times with Equifax and XXXX. XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. In each instance XXXX reports that I am alive, that the loan is satisfied, and then the next day the information is re-entered incorrectly. And my credit report is erroneously reporting me deceased. 

As such, no one can pull my ( XXXX ) credit. I am currently starting a business and have no access to credit. It is causing me a lot of pain and anxiety, my life savings is tied up in this business and in the eyes of the credit agencies I don't exist. 

XXXX is probably recording me dead because my wife ( deceased ) was on the mortgage in question that was satisfied. This doesn't answer why this is coming up six years later. 

My wife 's name was XXXX XXXX XXXX Her XXXX was XXXX XXXX XXXX My legal name is XXXX XXXX XXXX XXXX XXXX XXXX The XXXX loan number is XXXX It has been purged from their system as it is so old. 
I have been dealing with a complaint specialist at XXXX XXXX named XXXX XXXX his fax is XXXX XXXX XXXX I have also spoken to his manager named XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I didnt have these insurance policy on the date of XX/XX/XXXX with XXXX XXXX XXXX XXXX for the amount of {$3100.00} or XXXX XXXX XXXX for two other accounts for {$130.00} dated : XX/XX/XXXX and for {$330.00} dated : XX/XX/XXXXIve tried to resolve this matter last year with these companies and they replied these Accounts had been sent to Collections ( CCS Collections ) already and now out of there hands and they could not help me about this matter I tried to explain to the insurance agent maybe another family member Divorced husband ) May have opened this claim at XXXX  XXXX  & XXXX  XXXX  because Ive been divorced for 6 years and it definitely was not myself.I would like to make a complaint against these companies about these matters.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : XXXX XXXX XXXX # XXXX ( DELETE! ) Dear Transunion and CFPB, In accordance with the Fair Credit Reporting Act, this creditor has violated my rights 15 USC 1692e 807 ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; 15 U.S. Code 1681 - ( 1 ). The banking system is dependent upon fair and accurate credit reporting.

Under 15 U.S.C. 1681i ( 5 ) states,. Removal of inaccurate/invalidated credit information Under 15 U.S.C. 1681 section 602 states,. I have a right to privacy.

Under 15 U.S.C. 1681 section 604a section 2 a consumer reporting agency can not furnish an account without my written instruction..

Under 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation I would like to demand the XXXX XXXX XXXX  stop reporting this account on my credit report because they are injuring my credit profile and violating my rights.

They are reporting on my credit report knowing they have not validated the debt according to 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation.

This account also communicates charges that do not belong to me. I have asked the XXXX XXXX XXXX to Explain in writing what an initial late {$310.00} fee is and where I agreed to pay every month for six months in the state of Georgia. My rent was NEVER late but my rent was refused by the leasing office. Rent was refused for XXXX XXXX ( see attachment below ) therefore it would be impossible for either XXXX XXXX or XXXX XXXX XXXX to try to collect the initial late fee of {$310.00} payment for six months. Please provide me with any supporting documents that XXXX XXXX tried to collect rent from me. 

This account is also reporting a {$200.00} paint fee, I have already paid a {$130.00} clean move fee and the company did not return my security deposit therefore they can not keep charging me fees on top of expenses. The apartment has to be repainted every time its rented. My unit has normal wear and tear.

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 2023-05-17
Company: VW Credit
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off my loan with VW Credit on XX/XX/2023. 
Account # XXXX. 
Financed vehicle VIN is XXXX. 
They refuse to provide my title. It's been 51 days and counting. They refuse to answer questions about when I can expect to receive my title. 

It's not like I want the title to put it in my filing cabinet. I am trying to sell the car and this inexplicable and unnecessary delay is costing me hundreds of dollars. What do I have to do to get my title?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Without my knowledge and without my permission, XXXX XXXX conducted a credit check on me. Based on that inquiry, XXXX XXXX closed both of my XXXX XXXX XXXX XXXX XXXX. Again, they never notified me of either the credit check or of the closer of the accounts. They only posted a letter accessible only by logging into those accounts online.

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 2023-11-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regarding XXXX XXXX : This is a cellphone carrier account. Cellphone carriers don't report unless the account is in delinquent or collection status. I've never received any communication via email, mail delivery, or phone notification from XXXX XXXX saying this account was on the verge of going into a Collection Status This closed account has never been in collections, has a XXXXbalance owed on it, and has been closed out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
The loan was refinanced with another company XX/XX/2022. Still appear negative on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: BSI Financial Holdings, Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have been trying to obtain the correct payoff letter from BSI financial since XXXX. We have called several times and we have even spoken with the department that issues this letter, and the insurance department too, and they told us that there was a mistake and that they would fix it in a couple of days, that was three weeks ago and we still have not received the payoff letter.

The escrow balance must be reviewed because it is incorrect it shows two discounts ( {$1900.00} XXXX & {$3.00} - XX/XX/XXXX ), for this year we already paid the housing policy in full and we sent you the documents twice. The last time we spoke to customer service was XX/XX/XXXX, we emailed the policy documents and we received a confirmation email. We did it again today XX/XX/XXXX. 
" Thank you for submitting your insurance documentation. Please note this is an unanswered email address. Please allow up to 5 business days for processing ... '' We are so tired of dealing with BSI, they have serious organizational problems that are affecting us financially and It is impacting our mental health.

We are entitled to receive this letter with the correct amount this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Unlawful overdraft fees when funds were available for transfer/overdraft protection from another savings 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 2021-09-18
Company: Allied International Credit Corp., (US)
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had listed a sofa for sale on XXXX XXXX, but ended up selling it off line to a used furniture dealer. Meanwhile, a prospective buyer, wanted to buy the sofa online, and I notified him that the sofa was no longer available. I never received XXXX XXXX from the buyer, and he received all of his payment back from XXXX. 

Now this AIC collection company is trying to collect what would have been owed IF there had been a sale, which there never was. 
XXXX spoof has been notified, and says my account is in good standing and that I owe nothing. This is obviously a scam and I have discovered many other people have also been scammed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This company is worse than the other one I previously had! Since they have taken over my contract, they have been harassing me with many calls and left messages on my door, and it has become an everyday thing of this! I have started the paperwork for a loan modication and but there are still some things that are needed that I am working! But the harassment needs to stop! My finances have changed drastically, and so this why this i did the forbearance! But I am just tired of it! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. False and misleading information can't be treated and the creditor must remove late payments in the listed account. 
XXXX XXXX XXXX : {$260000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: INVESTORS BANK
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my checking account with Investors Bank in XX/XX/XXXX, and have {$1500.00} on deposit. I have not been able to access my funds since late AXX/XX/XXXX. I called the bank on 2 occasions, XX/XX/2021 and XX/XX/2021 respectively. They said they would look into it, but never called me back as promised. As of now, I still don't have access to my funds and the bank has been unresponsive to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting 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 was checking my Credit on the XXXX XXXX  and notice some inquiries that I had know idea about.

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