BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have become a victim of identity theft. I have filed reports with the Federal Trade Commission. There are recent inquiries on my report that I did not authorize. Additionally, I have two pending XXXX XXXX XXXX Settlement Claims due to the ongoing nature of my data being circulated for sale on the dark web. 

These inquiries are fraudulent and do not belong to me. Please remove them from my TransUnion credit report. Also, these inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX  is the holder of my mortgage. They are continuing to charge me for PMI even when the loan has been paid down enough to be below the 80 % threshold. I purchased a condominium in 2016 for {$80000.00}. I put 10 % down and financed {$72000.00}. I pay $ XXXX in PMI. The mortgage is now paid down to {$61000.00} which is 76 % of the sale price. This alone warrants the elimination of PMI. I'm not even asking for them to consider the real value ( my next door neighbor just sold for {$200000.00}. ). 

I have sent several letters to the bank and received standard denial letters due to the fact that " the value of my property can not be determined ). I feel that this is deliberate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Under FCRA 15 U.S. Code 1681XXXX ( XXXX ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2018-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX and Transunion is reporting and inaccurate bankruptcy on my credit report. XXXX just recently removed it. 

I have attached a letter on company letter from the courthouse address in which both bureaus sent me an updated report on, the courthouse would be the valid furnisher. Both XXXX  and Transunion failed to validate the unverified and inaccurate bankruptcy in compliance to Fair Credit Reporting Act 601 a ( 2 ). Both bureaus have XXXX XXXX and XXXX and verification methods, but The Fair Credit Reporting Act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The Law clearly states date of adjudication or date of order for relief. You have no right to maintain information which the  government has deemed as non-existent. I am exercising my rights in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act that you delete this from my credit report and send me an updated copy.

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 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-04-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted 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 2023-08-29
Company: CBC Companies, Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Whom It May Concern, I am writing to dispute an inaccurate address listed on my credit file. The following address is not associated with me and needs to be corrected promptly. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX The proper address : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, IL XXXX Please investigate and rectify this error at your earliest convenience. Kindly provide written confirmation once the correction is made. Thank you for your swift attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: OneMain Finance Corporation
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:
Companies did a credit inquiry of my credit without my authorization. I contacted companies and they advised me to contact credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: SYNCHRONY FINANCIAL
State: CT
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 two fraudulent inquiries on my credit report from Walmart that they refuse to have removed every time I call them they say that they sent the paperwork to XXXX ... I contact XXXX and they say they can not remove it without a release from Walmart ... I was a victim of identity theft when a person from a computer opened a credit card in my name ... they removed the account but not the inquiry then a year later they ran my credit again when someone tried to repeat it again but they did not issue them a credit card the second time ..but there is two fraudulent inquires on my XXXX credit report that Walmart will not remove ... but they say they send request to XXXX ... but again the inquires are still there

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  account XXXX account # 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 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 2017-02-09
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased an FHA loan through Caliber Home Loans which comes with Mortgage Insurance ( PMI ). With PMI I know you are able to get rid of it after you pay down a certain amount. Typically when 20 % of the original principal is paid off or when 80 % principal remains. I called XXXX to find out how I can remove my PMI and they repeatedly told me that the PMI can not be removed and is for the life of the loan. I spoke first with XXXX who stated that they call it MIP but it is the same thing. I was then transferred to his supervisor XXXX ( employee # XXXX ) who stated the same thing. My PMI can not be removed and is for the life of the loan. I asked her to send me a document from their company stating that the PMI can not be removed and she would not, informing me that nobody in the company can email or mail documents to a client. She then asked her area vice president XXXX and he apparently confirmed that again, XXXX will not remove PMI regardless of how much of the loan is paid off and that it will remain for the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Incomm Holdings Inc.
State: NC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I went to XXXX at XXXX XXXX XXXX XXXX, XXXX, NC XXXX on XXXX XXXX XXXX and purchased a XXXX XXXX XXXX XXXX for {$250.00} plus {$4.00} activation fee. Upon opening the card on the same day, I discovered the card was damaged ( please see photos ). I phoned the number on back of gift card and selected option for lost or stolen card. I reported the incident and was instructed to email photos of card along with my driver 's license to XXXX and reference Case # XXXX. I did as instructed and was told twice they did not receive my documents after confirming their email several times. The last sent documents was on XX/XX/XXXX and I received an email asking for the documents again. Finally, I phoned and a rep informed me that they did receive my documents on XX/XX/XXXX and that I have to wait 30 days for a replacement card. I phoned the company on approx. XX/XX/XXXX and was told by a rep to " wait a few more days. '' I phoned company again today, XX/XX/XXXX ( XXXX ), and was told I have to wait XXXX business days. I immediately phoned another phone number received in an email for customer service ( XXXX ), and was told my documents were received on XX/XX/XXXX and my claim is being processed as of today, XX/XX/XXXX and I should wait 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX I made a deposit through Bank of America outside ATM I was told the deposit went through and didnt think nothing much of it like Ive always done and took off with my receipt.Following day I received a notice saying my account had closed and I was no longer a customer of Bank of America I asked why there was no explanation after calling over and over getting bounced around I was told that there was some tampering with their FAULTY atm machine.I had no clue what they were talking about and I proceeded to wait that somebody will call me back once the money from the ATM machine was counted I have my receipt of deposit I made that day I also requested camera footage and somebody to call me back nobody ever did the 16 day process of closure turned into months here we are in XXXX STILL WAITING FOR THEIR SO CALLED INVESTIGATION TO TAKE PLACE YET NOBODY FROM BANK OF AMERICA HAS REACHED OUT TO ME CALLED ME OR FOLLOWED UP ON IT .I took it upon my self to reach out to senator XXXX XXXX office and congressman XXXX XXXX to let them know what Bank of America is doing to Americans during a time of covid I wont stop at this if my money is not back to me expect me to get an attorney as well as complaint has been forwarded to various agencies as is taken nearly 4 months and no answer to the mystery Bank of America claims in order to steal my hard earned money

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 2020-10-04
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have Visa credit card with BBVA since XX/XX/2020. Never been late, always paying in full. But this company does not report my credit activity to the credit companies ( e.g. XXXX ). This is against American lows, or BBVA makes their own?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The issues are with CapitalOne. 
- I requested CapitalOne to update my Social Security Number. They havent been able to do that since I first submitted the request on XXXX XXXX until today, XXXX XXXX. However, they denied my access to my information on my account for about 10 days now, so I cant see any information, cant pay for my balance either. That is after ten of hours of calls, talking to about 20 staff from CapitalOne ( credit, saving, customer service, technical support, fraud, customer protection, ID verification depts ), submitted the same documents no less than 4 times by fax, email, and upload to secured links. Every time I sent, I called them to make sure they received the docs, I would have confirmation they already received them, however, no update, and at the next call, another staff would tell me to submit all the docs again. 
- I also received an email from CapitalOne asking for my citizenship and threaten to close my account if I couldn't go to one of their branches to submit the exact same documents that i already shared ( and they already received according to confirmation from multiple staff on phone ), together with paperwork showing my citizenship, even though there is no branches of CapitalOne where I live. The email was from Customer Service and is not a No-reply one as there's no info saying " Dont reply to this email '', however, when I answered the email, theres no reply. 
- I received another email saying CapitalOne cant update my info with No explanation and tell me to call a number so I understand. I called the number, noone knew about my case, noone gave my an explanation. 
- Today is XXXX XXXX. I would have to pay for credit balance by XXXX every month to avoid penalty from CapitalOne. I asked multiple staff from Credit department on phone what if CapitalOne charged my unpaid balance because I couldnt pay as they themselves deny my access to my information, instead of answering my question, Credit card department and Technical support department have been passing me between them multiple times saying the other dept have to solve it. 
* My phone stores only 100 most recent calls, so only from XXXX XXXX as of today but I had multiple calls before that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Dear Consumer Financial Protection Bureau : On Tuesday, XX/XX/XXXX, I called XXXX XXXX, my current service provider, about an urgent matter. I was told to submit a written request to them and the CFPB to receive assistance regarding this matter. Prior to my loans being held by XXXX XXXX, the service provider for my loans was Navient and its lending predecessor Sallie Mae. 

There is currently a class action lawsuit against Navient by the U.S. Consumer Financial Protection Bureau and the Illinois and Washington attorneys general submitted in XX/XX/XXXX. Pennsylvanias attorney general filed a suit in XX/XX/XXXX. And Californias attorney general filed a suit in XX/XX/XXXX. 

The suit ( s ) allege that since XX/XX/XXXX ( when my loan debts were in the care of Navient and its lending predecessor Sallie Mae ), Navient has : - Misallocated payments. 
- Steered struggling borrowers such as myself toward multiple forbearances instead of deferments ( or income-driven repayment plans ), which accrued undue interest. 
- Provided unclear information about how to re-enroll in income-driven repayment plans, resulting in the accrual of undue interest or negative credit hits. 

The CFPB is asking Navient to compensate borrowers such as myself that Navient has harmed. 

I believe my account and loans were incredibly and unethically mismanaged. Throughout the years my accounts were managed by Navient and its lending predecessor Sallie Mae, I was actively urged to do things that would harm me and my ability to repay what I had borrowed. And, during this timeframe, I suffered all of claims the suits allege. In particular, I was : - Urged to go into forbearance multiple times, accruing undue interest when there were better options available to me as a borrower. ( I most likely also took negative credit hits due to this as well. ) - Unable to effectively allocate payments that I did make, so these monies used as payments were mismanaged, resulting in more interest, and more long-term detriment to my credit. 

I am asking to submit a balances due request for my account. I believe the balances should be adjusted to reflect a compensation of these years of errors on behalf of Navient and its lending predecessor Sallie Mae. 

I am currently enrolled in the Public Service Loan Forgiveness program and I am working diligently to pay down my debts. However, I can not make forward progress if I am back paying on the unfair and unethical business practices of Navient and its lending predecessor Sallie Mae that have harmed me and my ability to pay. 

I am submitting this same request to XXXX XXXX, the Department of Education and Consumer Financial Protection Bureau, as well as to the Federal Student Aid Ombudsman Group. 

I ask for your assistance in correcting this matter so I can expediently pay back what I owe. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 non-monetary relief