BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed a few unauthorized inquiries on my XXXX credit report pertaining that I would like removed regarding the following : Capital One Inquiry Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account with them. 

XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX - XXXX XXXX XXXX Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX XXXX XXXX XXXX Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I contacted the company on XX/XX/XXXX. They could not assist me with removing the inquiry being that I did not have an open account. 

XXXX XXXX XXXX Date : XXXX XXXX, XXXX The company stated that I would need to contact the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was hurt on job years ago needed help bank wouldnt help and turn account over to Collecting agent and showed write off on my credit report. I call XXXX XXXX but they would not help me. I have payed this account off and I want it removed from my credit report.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$460.00} 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: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made my XXXX payment. On XX/XX/XXXX was the first communication I received saying my payment was not made. My mortgage company Mr. Cooper is refusing to reimburse me the nsf fee. Their IT dept can show I logged frequently to check the status of my XXXX payment as the payment never debited my account. The Mr. Cooper homepage showed my account current for two weeks. The mortgage company provided no information that the payment was not made till after the payment was considered late. As a consumer I had no communication or was even given the opportunity to rectify the matter before penalties occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, XXXX, XXXX, 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 an account without 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 explanation
Consumer complaint received 2021-08-12
Company: LD Holdings Group, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX with Loan Depot with cash out for a remodel in XXXX, 2021. Made first payment via a one-time payment on XX/XX/2021 for {$2200.00}. Registered for Auto-pay on XX/XX/2021. Had to make one more one-time payment in the amount of {$2200.00} on XX/XX/2021, while Auto-pay is established. Received email confirming Auto-pay enrollment and first auto-payment would be made on XX/XX/2021. Received email confirmation on XX/XX/2021 that {$2200.00} was received for XXXX payment. Received email confirmation on XX/XX/2021 that {$2200.00} was received for XXXX payment. Received voicemail requesting a return call regarding loan at XXXX XXXX  on XX/XX/2021. Returned call on XX/XX/2021 and spoke with a representative who indicated my loan was was in default due to my XXXX payment hadnt been received and the XXXX payment was also due. I explained the loan was set up for auto-pay and successfully deducted XXXX payment. I was connected with a representative in the research department and was then told they attempted to apply the payment to the loan and the bank refused payment and that the account was closed. I have had this account at this bank for more than 15 years. I was told to submit the trace number and they would research it and that they had seen this same thing with other loans. In the meantime, this was reported to the credit bureaus and now my credit has been negatively impacted thru no fault of my own. I provided the info requested with the help of my bank, XXXX XXXX XXXX  XXXX. I called on XX/XX/XXXX to confirm receipt of the faxed trace info. The representative, XXXX insisted it was an issue I needed to work with my bank on. I conferenced my bank in on the call with XXXX and she proceeded to again state the issue was with the bank. The bank informed XXXX the funds were deducted and not returned. At this point I am out {$2200.00} and have a lower credit score and leery of sending anymore money if it cant be posted properly. I have requested to speak with the folks in the research department and am being given the run around. I have sent emails and filled out surveys in hopes someone from this very large company could call and talk with me. I experienced being put on hold/ignore for 25+ minutes or just being disconnected without a return call back. Loan Depot is being irresponsible and unresponsive leaving me minus {$2200.00} from my bank account, placed into default status on my loan and a lower credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion unbelievably is putting fraudulent information on their report regarding me and my accounts.There are two egregious items on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX HAS BACKDATED THEIR REPORTING. AFTER CLOSING THE ACCOUNT BECAUSE I DID NOT RECEIVE PROMISED DISCOUNTS AT THE PUMP IN MY AREA, I DISPUTED THE ACCOUNT ; I PAID OFF THE ACCOUNT TO 0 IN SEVERAL INSTALLMENTS ; AND I CLOSED THE ACCOUNT. THEN IT WAS REPORTED BY TRANSUNION AS SUCH. TODAY AFTER DISPUTE IT SHOWS OPEN WITH A LONG AGO PAID OFF XXXX DOLLAR BALANCE.THE BALANCE IS 0.Please immediately delete this fraudulently reporting account. 

THE OTHER ITEM XXXX XXXX XXXX.IS COLLECTING FOR XXXX, THE ORIGINAL CREDITOR.XXXX, ABOUT 3 YEARS AGO SOLD ME NON-FUNCTIONING PHONES AND SERVICE. IN XXXX XXXX, CA WHERE I LIVE THE PHONES HAD DROPPED CALLS, UNRECEIVED MESSAGES, INTERFERENCE ON CALLS ESPECIALLY WHEN WINDY, LEADING TO UNINTELLIGIBLE CONVERSATIONSON A REGULAR DAILY BASIS. XXXX, IN THEIR STORE, EVEN HAD THE NERVE TO TRY TO SELL ME OTHER PHONES TO SOLVE THE " PROBLEM ''. THE PROBLEM, I LEARNED, IS THAT XXXX DOES NOT HAVE SUFFICIENT CELL PHONE TOWERS OR NONE AT ALL IN MY AREA. THEY SOLD ME PHONES KNOWING THIS, KNOWING MY ADDRESS AND KNOWING THE PHONES WOULDN'T BE SUFFICIENTLY FUNCTIONAL BY ANYONE 'S STANDARD. 
This account should be deleted for fraud immediately.

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 2022-04-15
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I got a new phone in early XXXX and since then, I have been unable to add my Barclay card XXXX to XXXXXXXX XXXX even though XXXX XXXX is at least theoretically supported by Barclay card as I had it on my previous phone. Since I got the aforementioned new phone I keep getting an error message saying that my card is not supported for a digital wallet whenever I go to add it. I requested a new card thinking that may rectify the issue and it did not. I called customer service and they supposedly opened a formal complaint regarding this and claimed that they would try and fix the problem within 30 days which have now well elapsed and I have heard nothing nor has the issue been rectified. I was given a statement credit of XXXX $ as compensation but would like the issue to be fixed and for my time to be adequately compensated.

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 2020-04-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Account was listed by Experian to be closed this month XXXX. Account is not closed but date was changed from XXXX to XXXX. Account has incorrect data and should be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) ( 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 2023-01-19
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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-12
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: Problem with personal statement of dispute

Complaint:
Account information disputed meets FCRA REQUIREMENTS! THEY ARE reporting account as Open and the account is Closed.

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 2022-04-15
Company: EQUIFAX, INC.
State: VA
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 XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Inquiry 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: MO
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 XXXX XXXX XXXX account number XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: Experian Information Solutions Inc.
State: NV
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:
These 3 accounts are not mine, my name is incorrect. Please remove this issue.

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 2020-04-05
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:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION within my Transunion credit report, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY THE REPORTING OF ANYI UNDERSTAND THAT NO ENTITY IS AUTHORIZED TO RETAIN REPORT TRANSFER SELL USE OR ELSEWISE ANY PHYSICALLY UNCONFIRMED DATA AND IVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.IT CANT BE PROVEN IVE EVER RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED POSSIBILITIES OF MISREPORTING OR MISINFORMATION. PLEASE PHYSICALLY CERTIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, BALANCES, CALCULATIONS, AUDITS, AND EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 426-CHARACTER P6 STATEMENT,5 PART PERSONAL IDENTIFIERS, AND ALL ALPHA, NUMERIC, AND/OR ALPHANUMERIC SOURCE CODES AND DELETE/ BLOCK PERMANENTLY

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 2021-08-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
On XX/XX/XXXX a unauthorized charge was placed on my credit card with USAA. I reported this transaction which I found out USAA refers to as a " dispute ''. USAA agreed with the charge and corrected my account on XX/XX/XXXX. In XX/XX/XXXX, I was told by my home lender that a dispute showed on my current credit reported by USAA. My complaint is USAA or any other banking company should not be allowed by law to report this type of internal process to a third party credit agency. The disclaimer on USAA banking website reads as follows : USAA reports to credit agency, missed payments, defaults, and late payments. In my judgement this type of reckless reporting can result in a adverse action report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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: Their investigation did not fix an error on your report

Complaint:
Experian is reporting a public record of bankruptcy on my report. I have ask this company to verify their accurate information. They have refused to send me verification of the information to explain this belongs to me. They keep reopening my case of dispute and keeping the information on file as verified and closing the dispute. I have sent them paperwork notifying them that these other companies plus the courthouse does not give out the information. So who are they getting this information from. Because they cant explain it to me nor verify it. This needs to be deleted ASAP. This is against the law and it also blemishing my character. I am tired of fighting with Experian and the automatic system that sends back verified and remains on my credit. This is not acceptable. This needs to be deleted!

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 2020-04-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX I purchased a condo in New York and the loan was initially funded by XXXX XXXX. The loan was sold to Fifth Third Bank. My property tax payments were estimated at {$620.00} / mont by XXXX XXXX. When the load was transferred, I continued to make these payments. Then Fifth Third Bank said that there was a shortage on my account of {$2900.00}, which I paid. They said that even after paying my shortage, my new property tax payments would be {$1200.00}, which is the double of what I was projected to pay. However, I checked with the city and the bills for XX/XX/XXXX and XX/XX/XXXX were of {$1800.00}. Fifth Third Bank reports that these bills were and will be of {$3600.00}, which is incorrect. Additionally, it appears that they double paid the bill for XXXX because I was charged twice, while the city reports the payment was just {$1800.00} once, Fifth Third Bank reports that it went twice, once on XX/XX/XXXX and once on XX/XX/XXXX. ESCR DISB TAXES XX/XX/XXXX {$0.00} - {$1800.00} {$0.00} {$0.00} - {$1800.00} {$0.00} {$0.00} {$0.00} ESCR DISB TAXES XX/XX/XXXX {$0.00} - {$1800.00} {$0.00} {$0.00} - {$1800.00} {$0.00} {$0.00} {$0.00} I have been paying my calculated escrow as required in addition to all provisions at closing the escrow. Why am I being robbed?

Company response to consumer: Closed with explanation