BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: OH
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:
I have sent several letters to Experian, XXXX and XXXX, on XXXX XXXX XXXX XXXX XXXX, urging them all, to not only make sure my personal information is correct and current but also to remove any incorrect or outdated information about me, from my credit report. I have also asked for validation of several accounts that are reporting on my credit report without my consent. The only responses that I have received back ; if any, are that they have not done an investigation because of ridiculous claims that I myself have not been the one disputing the unwanted, incorrect and inaccurate information on my credit report. Please assist me in this matter to get the credit bureaus to obey and follow the laws and clear up these inaccuracies on my credit report immediately. Thank you.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 has violated my rights. 

In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states, " I have the right to privacy. '' 15 USC 1681 section 604 A section 2 : It also a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as for any purpose.

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 2023-02-23
Company: DISCOVER BANK
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:
On XX/XX/2022 there was an inquiry reported from XXXX XXXX XXXX that I did not authorize. 

On XXXX there was an inquiry reported from XXXX XXXXXXXX XXXX that wasnt authorized by me. 

On XXXX there was an inquiry report from DISCOVER FINANCIAL SER that wasnt authorized by me. 

On XXXX there was another inquiry report pulled from DISCOVER FINANCIAL SER that wasnt authorized by me. 

On XXXX another inquiry report was pulled by DISCOVER FINANCIAL SER that wasnt authorized by me. 

On XXXX an inquiry was reported from XXXX XXXX XXXX that was not authorized by me. 

On XXXX there was an inquiry reported from XXXX XXXX XXXX that wasnt authorized by me. 

On XXXX there was an inquiry reported from XXXX XXXX XXXX XXXX that was not authorized by me. 

Ive contacted each of these financial institutions explaining that it was not me and the reports are still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I attempted to pay my XX/XX/XXXX mortgage payment serviced by Mr. Cooper. Mr. Cooper bought my loan from XXXX in XXXX of XXXX. When I attempted to pay it it showed an increased required payment of {$1400.00} when our fixed rate payment had been {$930.00}. Our insurance and escrow had not increased by {$6000.00} per year since last year. When I called to inquire about the steep increase they said that they had taken out lender placed insurance because we did not have insurance on the property. They did this without my knowledge or consent. Upon further investigation a Mr. Cooper representative found our current valid home owners policy in their files. The lender placed policy they took out was from XXXX of their own subsidiaries. I feel as though this was done in an effort to defraud me and my family and had I not caught the error they would have made no attempt to resolve the issue. They currently show negative escrow balance of - {$3600.00} due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
ACH Deposit of {$11000.00} from XXXX Arkansas XXXX XXXX to my BofA small bussines account ( an LLC ), ordered by a client, XXXX XXXX, was rejected as fraud by BofA after 10 days. 
Near XXXX ( {$8800.00} ) were withdrawn on that money and Were Sent to the client, who now denies having it. 
1 ) Why a bank agent said 3 days after the deposit ( XX/XX/XXXX ) was good but one week after ( XX/XX/XXXX ) another bank agent said the deposit was rejected. 
2 ) Why did the bank consider the deposit bad? 
3 ) What did BofA do with that {$11000.00} deposit money?. 
My account was frozen and closed. The Money deposited XXXX {$11000.00} XXXX plus that sent to client XXXX {$8800.00} XXXX were excluded from transfer to a new account. 
4 ) Can BofA request the cash transferred out of the account from XXXX to XX/XX/XXXX XXXX to XXXX and XXXX to be refunded?. 

Thanks for any help you can provide.

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 2022-10-22
Company: EQUIFAX, INC.
State: TN
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 Account, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Marlette Funding, LLC
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: Account information incorrect

Complaint:
I have disputed multiple late payments on my XXXX  account and I have no received any notice of a investigation or notice of how this information was verified XXXX has violated my consumer rights repeatedly and has not responded to my multiple investigation attempts 15 U.S. Code 1666 - Correction of billing errors!!!!!! 

a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor I have stated numerous consumer violations XXXX has violated it this matter not resolved will have to take civil action be advised a second party owns my current Debts that are closed so information on my report has not be validated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I can not use my card that they sent me TWICE!! When I got my bill it had chares that I could not and did not make, because I can NOT use their card for 3 MONTHS The ONLY charge I made was for {$42.00} on XX/XX/XXXX BUT my bill is for {$180.00} I called the bank, spoke to a rep. XXXX, who told me NOT to pay my XX/XX/XXXX bill, and pay next months bill! " NO INTREST AND NO LATE FEES ''!! I got this months bll WITH A {$25.00} LATE FEE, and {$11.00} INTREST They have charged me INTREST on ALL of my bills for the past year even if I pay on time. YOU have my permission to check!! I hope that you will CITI CARD IS RIPPING PEOPLE OFF!!! I hope thet you post this so other CITI card people will check their bills too!

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Account, XXXX 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 a 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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2018-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
My Capital One credit card is 178 days late. We have fallen on hard times. My spouse is ill and can no longer work, we have ill family that has had to move in with us and we are living on limited funds, these are things that have developed since the credit card charges. We do not qualify for any state assistance. So I have been paying what I can, when I can, just not the amount they are requiring to be considered current. I have been notified that my account is days away from being charged off. So on XX/XX/XXXX I contacted Capital One, I asked them for a payoff amount, they offered for me to pay {$9800.00} as my pay off amount. They would only take off the interest, nothing off the principal. They did tell me that sometimes they will reduce the principal and that would mean they would send me the XXXX tax form for principal debt greater than {$600.00} forgiven by cc company. But never attempted to negotiate with me. I asked them if there was any way I could get a reduced amount. All they offered me was a payment plan of {$3800.00} due by XX/XX/XXXX, {$3000.00} due by XX/XX/XXXX, and {$3000.00} due by {$3000.00} to avoid account being charged off. I made it clear that was not possible and would like to settle my account and close it. I asked if there was someone I could talk to that could work with me to settle amount owed. Was given no further assistance was told he knows times are hard and he was sorry for me, and that he will pray for me. I tried reaching out again on XX/XX/XXXX to settle account, this time I was told pay off was over {$10000.00} and was given a number for their higher authority. I am extremely frustrated, I just want to close my account and try to reach a settled amount, all they are encouraging me to do in stay in my current payment program with them so I can get my account current and continue using my cc. I know this is my debt, and I know that it is my responsibility, I am trying to take care of it, It just upsets me that they would rather charge off my account off to a debt collection agency for a reduced amount, but will not help me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 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 2021-09-22
Company: EQUIFAX, INC.
State: SC
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:
I purchased a vehicle back in XX/XX/XXXX. Less than 30 days of having vehicle the car put me on side of road. Company said they would fix but they did not and kept having issues. I turned car back to finance company a month later and have not made payments. The XXXX company has me listed as current and making payments. I have not made payments in years since surrendering vehicle. It is listed on my credit report for involuntary repossession. This is information is invalid and false and is affecting my score and debt to income ratio. I need it to be removed immediately. I have sent out letters and nothing has changed and no response. I have always checked into the companies reviews and ratings saw similar complaints and unprofessional customer service with low ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 i went to a XXXX store to buy a sim card and the agent told me they have a plan for 4 for XXXX per month. When he asked for my social security number, I first asked him what for? He said JUST FOR THE APPLICATION. AND I ASKED HIM " WILL THERE be A CREDIT CHECK? HE REPLIED " NO. '' and again i asked if not even a soft credit check? ONCE AGAIN HE REPLIED " NO ''. Few minutes later i got an email from credit karma notifying me of a hard check while i was still in that store..i immediately complained. 
The rep called XXXX and I also called the same day to have them remove that, BECAUSE I CLEARLY STATED THAT I DO NOT CONSENT IN CHECKING THE CREDIT. XXXX SAID THEY WILL WORK ON IT AND I AM STILL SEEING IT ON MY TRANSUNION REPORT. 
XXXX TOLD ME TO COME ON THIS WEBSITE TO FILE THIS COMPLAINT AND IT SHOULD SPEED UP THE REMOVAL PROCESS.

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
An unscrupulous collector tried to put an account on my credit report from XXXX when I was a XXXX year old XXXX and changed date to XXXX and put it on my report last month in XX/XX/XXXX. A ploy that the credit reporting agencies should have easily corrected but they verified a totally false entry on my credit report as correct. XXXX did not fall for it but transunion and XXXX  allowed it to stay on my report which is illegal.

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 2023-03-07
Company: DISCOVER BANK
State: AL
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 had a due date of XX/XX/XXXX to pay monthly payment of {$270.00} to Discover for my credit. On Friday XX/XX/XXXX, I contacted discover to let them know that on Saturday XX/XX/XXXX, my wife and I opened a new checking account and to let them know I would submit the payment asap before XX/XX/XXXX to ensure that they wouldn't report me for being late. XX/XX/XXXX, I added my new checking account information to which I was successfully able to add and make the total payment of {$270.00} including the bonus cash I received from Discover. Monday XX/XX/XXXX, discover sent me an email stating that they received the payment. Thursday XX/XX/XXXX, I received another email stating that there was an error and that the payment was returned due to my financial institution listed it as a invalid account. I then had to transfer money to a different account to make a separate payment on Friday XX/XX/XXXX which is now a few days after the due date and 5 days after my initial payment on Sunday XX/XX/XXXX. I spoke with my financial institution XXXX XXXX  earlier today XX/XX/XXXX and they confirmed where the payment was confirmed and if Discover processed everything correctly on that Monday, XX/XX/XXXX than everything would've been processed in time therefore the payment being correctly processed and not having to take a huge credit hit for a something I had no control over. XX/XX/XXXX, I also contacted discover as well to find out that they blocked the original account information that I originally entered and now I'm having to mail in a check for them to verify the account information that I originally entered with the initial payment made on Sunday XX/XX/XXXX. I did everything on my part to ensure that I made my payment ahead of time and I find myself in a situation where I'm being put at fault for something I didn't do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXA XXXX XXXX ) XXXX XXXX ( Original XXXX : XXXX XXXX XXXX PA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2020 I contacted BofA to report unfamiliar charges on my credit card for the total sum of {$500.00} dollars all from a company called XXXX  and all in consumable takeout food. I am XXXX years old and have been a client of BoA for 11 years and never have I charged {$500.00} dollars in takeout food or any food services. I reported the FRAUD to BoA right away and charges were initially reviewed. BofA Fraud claimed that the charges were valid only because XXXX dispensed the food to someone ( not me ), They did not investigate where the deliveries were made to or signatures or anything else. The investigation was poor at best. Never was I called texted, emailed, or letter received to reflect the decision. I called BoA and foud. out that way. Reopened the second complaint of XXXX  and to this date have never had I received a phone call from BofA to express their decision of accusing me of committing this fraud. I was devasted, and it was affecting my credit. In an effort to save y credit I have been paying minimum amounts just to save my credit. BoA is at fault for not removing these charges and leaving my account at its maximum credit limit of XXXX when I never charged those charges and after 11 years they rather believe and side with the merchant than with me as the victim.

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