BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: Colony Brands, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have lived in North Carolina for XXXX years and have had absolutely no interaction, live or online with XXXX XXXX of XXXX Wisconsin in all of that time. They have no reason at all to check my credit and I did not give them permission for any reason to check my credit report. The following information is directly from my most recent XXXX credit report That I requested today XX/XX/2022. 

XXXXXXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX, XXXX WI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/18 I noticed on my credit report that there were 3 hard inquiries that were not mine. Since they would bring down my credit score I called TransUnion to have them removed. The first person I talked to didn't speak English well but did tell me that they couldn't do anything for me so I asked for a supervisor. XXXX the supervisor told me that they can't take hard inquiries off my credit report even though I did not apply for credit from these companies. He said that I must get in touch with these companies and ask them to submit letters of deletion. I told XXXX that they are not responsible due to the fact that I did not give them any of my information. I also told XXXX, that my son who has the same first name as me, applied for credit to these companies. I also tried to explain to XXXX that my son and I have different dates of birth and social security numbers but he did not care. TransUnion does not check social security numbers or dates of birth JUST NAMES! Very IGNORANT people! TransUnion is lowering my credit score through no fault of mine and they REFUSE to 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 explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: IL
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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I have sent out two letters to transunion but have not received any responses. Please comply with my letters

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 2023-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One Savor Credit Card ( issues a XXXX ) for fair to poor credit consumers. Credit Card limits are {$500.00} and below lines of credit. 
Credit Card is subjective to XXXX % APR for purchases and cash advance. Although limits are placed on these cards. {$250.00} cash advance limit with cash adv fee -- aren't transparent to consumer ; when Capital One recalculates the interest separate from the rest of card balance. Consumer is liable for monthly interest, cash adv fee, cash adv interest. Whereas, within a ( 30 ) billing cycle consumer is responsible for @ $ XXXX dollars of fees and interest @ XXXX %. 
Credit cards with low credit lines aren't beneficial to consumers. Credit usage in low credit lines amounts=to high credit usage and reflect on credit bureau as XXXX % to XXXX % credit usage. This alone lowers consumer fico scores. 
Capital One claims these cards benefit low income consumer to build credit. This simply isn't true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-21
Company: WELLS FARGO & COMPANY
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 unverified account indicated below continue to report on my XXXX XXXX despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX WELLS FARGO CARD SER XXXX Open Date XX/XX/XXXX Balance : {$0.00}

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 2023-11-29
Company: M&T BANK CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
Completed a mortgage modification on XX/XX/2023 with M & T bank. Payment was correct for first three payments. Mortgage payment has fluctuated on every payment since. Loan balance has gone up and down from month to month. Bank has stated we have been late on several payments even though we direct wire funds from our primary bank to pay the mortgage every month. They have tacked on bogus fees for unknown reasons. We have spoke with the bank representative holding the mortgage, ( XXXX XXXX XXXX ) who informs us the error is on M & T banks end due to a merge with another bank that occurred earlier in the year. Has been saying for 11 months the back office is sorting out the mistake and would be resolved. Also stated we would receive a letter from M & T bank stating we have never missed a payment and it would not affect our credit. Still to this date, no letter has been received and the mortgage balance and payment are completely incorrect, even though every month M & T states this will be the month they resolve the issue. Balance has changed by nearly a XXXX dollars. We keep meticulous records and have all mortgage payments made, and texts and emails from bank stating the error is their fault. Again it has been almost an entire year with no results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CAINE & WEINER COMPANY, 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:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/ XXXX, CAINE & WEINER, 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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 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 explanation
Consumer complaint received 2023-06-03
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a notification that I had a hard credit inquiry with XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I called the listed number and the agent I spoke with verified they have no data for my name or social and no information about an inquiry for auto financing. She directed to me to dispute the inquiry because there was " nothing they could do. ''

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 2021-07-28
Company: PNC Bank N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am interested in disputing all inaccuracies on my credit report with Experian.

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 2023-04-24
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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion :

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 2022-10-05
Company: EQUIFAX, 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:
Equifax has failed to adequately validate or verify a medical collection debt " XXXX XXXX XXXX XXXX XXXX '' on my credit file. I have disputed this collection multiple times with Equifax online tool, which comes back verified within days. I also mailed a debt validation letter to the collection agency with XXXX tracking XXXX with no response or deletion of the bogus collection. I also sent a copy of the debt validation with another dispute to Equifax with XXXX tracking XXXX with no response or deletion of record from my credit file. Please see copies of all correspondence in the attached file section Confirmation number : XXXX - 2 days to " verify '' Confirmation number : XXXX - 4 days to " verify ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
Navient reported my account as past due 90 days because I did not renew my income-based repayment plan. However, the documents were sent to Navient on two occasions. I verified that the repayment plan was approved but they still reported my account as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/28 I received an email from XXXX saying I have a new credit inquiry, which I did not recognize, for a XXXX card. I contacted experian, XXXX, XXXX to freeze my accounts. In the morning I had two more credit checks from XXXX XXXX and XXXX XXXX which I did not recognize. I called experian again and this fraudulent person had my account freeze reversed

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 2022-10-07
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
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:
Company : Hyundai finance XXXX XXXX XXXX : XXXX XXXX XXXX I leased the car from them in XX/XX/XXXX and purchased it from them in XX/XX/XXXX Date purchased : XXXX XXXX Amount I paid to Hyundai finance XXXX : {$12000.00} Paid from my checking account at XXXX XXXXXXXX XXXX 1. Company claims they mailed title on XX/XX/XXXX. I did not receive it. Company has my correct address on its files, but they say they wrote an incomplete address when they mailed it. 

2. I have made at least 6 follow up calls with them beginning XX/XX/XXXX and ending XX/XX/XXXX Their representatives have promised to send me both a notarized lien release letter and a certificate of no interest. No one there seems to know which of the two documents I need to transfer title to my name. After each call they promised I would get the proper papers in 3 to 5 business days. So far I have not received anything from them. They have missed several deadlines 3. There is no way to communicate with them by email and get a written response from them to confirm when they will complete the process and deliver the proper papers I need. The only practical means to complain is by phone and that has been very ineffective I seek your help to resolve this problem. I have paid for the car in full and Hyundai Finance should make sure that they do everything expeditiously to help me transfer the title to the vehicle in my name. 

Regrettably they have been quite XXXX in handling this matter. 

Thank you for your 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 explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
FCRA violations remove good accounts please put it back on XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details XXXX View your Report XXXX View your credit score

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 2023-10-23
Company: Avant Holding Company, Inc.
State: DC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Avant XXXX XXXX XXXX issues XXXX XXXX XXXX XXXX ) to fair credit consumers @ {$300.00} / credit limit. Charges {$59.00} annual fee ( XXXX yr and increases fee after XXXX -- months. 
Irregularities with processing payment ; unauthorized ACH withdrawal from the consumer bank account, once Avant XXXX has consumers bank routing and account number ; consumer is vulnerable to unauthorized withdrawals. The XXXX  XXXX customer service number is answered by either entities involved with the ownership or persons trained to confuse the consumer with dates and amounts related to card balance or paid accounts that aren't reflected in credit bureau as paid. 
Avant LLC XXXX XXXX could be FDIC state chartered although there are suspicious activities as to how they are managing consumers accounts and bank accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased a netspend prepaid card for {$100.00}. 
I tried using it on XXXX a couple of times but my payments did not go through. 
I went online today to confirm that the XXXX purchase I made today went through and I noticed that not only did my purchase not go through but I was being charged an inactivity fees of {$5.00} for the past 2 months. 
I called to try and resolve this but both customer service reps and the supervisor I spoke to told me they could not access my account nor could they give me the balance of my account back. I want others to know they should stay away from this company. As far as I can see all they want to do is scam you out of your 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 explanation
Consumer complaint received 2022-04-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, 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 2 : it also states consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, 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 2 : it also states 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 2023-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In a consumer credit transaction, I the beneficiary asked for a {$100000.00} dollar credit card, and an {$150000.00} dollar auto loan, both of which I was denied, mentioned several factors for denial, but none of which are a determining factor, because I am the original creditor and bank of america as a trustee has a fiduciary duty and obligation to put the beneficiary interests above all else, and extend credit when requested, 15 USC 1611 15 USC 1602 ( l ) 12 USC 1431 12 USC 408 15 USC 1681 FEDERAL RESERVE ACT-APPLICATION IS THE COLLATERAL

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 2022-04-10
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
US bank closed my XXXX XXXX credit card with no reason given whatsoever. There was XXXX points on the account 's reward balance that I was denied access to. When I called the customer service, they were of no help at all, they kept telling me to call back at a different number and different time.

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