BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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:
XXXX refuses to remove a collection account from portfolio recovery services even though they admit the person who opened the account t they have in collection has a different social security number than mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX XXXX Balance Owed : {$8300.00} XXXX  XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX  Balance Owed : {$8300.00} XXXX XXXX XXXX Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2023-05-06
Company: NEW YORK COMMUNITY BANCORP INC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We had our barn burn down last year, and now are ready to rebuild it. Unfortunately our insurance agent didn't have us keep up with the rebuilding costs, and we ended up being underinsured by around {$100000.00}. 

We contacted our current mortgage provider to get a XXXX in order to rebuild the barn. Our XXXX score is over XXXX. Our loan application was denied because our current pay is not being used for the income because we have a family owned business, and the raises we were able to do for ourselves this year don't count, even though we have XXXX  months of paystubs to show it's a fixed amount. They said they have to use the average of the last XXXX  years of tax returns instead because we have our own company. We started the company in XXXX - almost XXXX years ago! We are growing every year and just expanded into multiple states. 

The loan XXXX said if we worked for any other company our paystubs would work, and we would be approved for the loan! 

This is not fair for those of us that have worked hard to build our own companies!

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 2022-08-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reached out to this company for XXXX yrs and several police reports and they fixed th issues with other bureaus this company Equifax have lied never fixed anything they have reported incorrect information that have caused me not to get employment and housing. They is reporting company XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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. 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 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, 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 2019-04-30
Company: USForex Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Date : Mon, XX/XX/2019 at XXXX XXXX Subject : Absolute worst company and customer service I've ever experienced. Period.

To : <XXXX>, I was just informed my account didn't meet your compliance criteria ; however, you will still go ahead and debit my bank account!!

I'm furious at how useless your system absolutely is. And so was your supervisor named XXXX. She kept repeating herself like a brainless human being. I wish you could review the call.

I'm hereby formally complaining and requesting to immediately escalate this matter to upper management and above XXXX 's position.

I, by US law, have the right to be given a written explanation to the particulars to why all the sudden my account doesn't meet your compliance criteria. I need factual details since I have provided you with all my personal information requested and even spoke to one your reps this morning.

Furthermore, I have been told that you will be debiting my account regardless the fact you banned me from using your services. In addition, I will have to go out of my way and ask my bank and pay a fee in order to reverse that transaction. You refuse to send the money back to where you took it from.

Is this a SCAM?!

I'm also filing a formal compliant with the Better Business Bureau, the California Consumer Protection Office and the Consumer Financial Protection Bureau.

You can't denied me your services, then still take my money, and not been able to refund me my funds from where you took it.

I demanding my money back and an immediate response and resolution to these unacceptable business practices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states, I have the right to privacy 15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my and instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX Equifax XXXX I am writing to dispute several items on my consumer credit report that I believe are inaccurate and should be removed immediately. I am invoking my rights under the Fair Debt Collection Practices Act ( 15 USC 1692 ), specifically sections 15 USC 1692 G, 15 USC 1692 I, and 15 USC 1692 E. 

Upon reviewing my consumer credit report, I have noticed the following items that are listed as negative and not accurate : - 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 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 I have evidence to support my dispute and request that you investigate these items and remove them from my consumer credit report as soon as possible. I am also requesting that you provide me with a copy of my updated consumer credit report once these items have been removed. 

I would like to remind you that as a credit reporting agency, you have a legal obligation to ensure that the information on my consumer credit report is accurate and up-to-date. The Fair Debt Collection Practices Act ( 15 USC 1692 ) provides me with certain rights to dispute and remove inaccurate information from my consumer credit report. 

I appreciate your attention to this matter and look forward to hearing back from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: SYNCHRONY FINANCIAL
State: LA
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:
My credit was ran by SYNCB on XX/XX/2022 and I did not authorize this inquiry. It is being reported on my credit report without authorization and I would like this inquiry 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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 2021-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
All of these companies was not done from me. Please remove I have been hospitalized due to Covid. 
1.XXXX XXXX Capitol one 3.XXXX 4.XXXX XXXX /XXXX 5.XXXX XXXX 6. XXXX aXXXX XXXX  7.XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Fifth third bank/ MB financial I have two motorcycle loans. they are paid off in XX/XX/2021. Received letter of forced insurance applied and demanding {$8000.00} additional. I called their call center number. They could not resolve. ( Off-Shore call center ). Went to a local bank and provided insurance for the term of the loan. They accepted and realized I also overpaid on the loan by 1 month. The Bank officer said he would take care and resolve. 
Today it is 4 months ... After numerous calls and promises they still are " Working on it '' they notified the credit agency and as a result lowered my score. 
The call center still calling demanding money. They will not address the overpayment. One department does not talk to the other dept. I have a Bank officer out on vacation. VP at the bank will not return any of my calls or emails. I see this as a bad faith issue where they hope I just pay and go away. 

The fifth third bank bought MB financial. This is an internal mess and they are having problems with their accounting systems and culture of being respectful to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 


XXXXXXXX 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 explanation
Consumer complaint received 2022-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX my phone number XXXX I have a fraudulent application put in my name without my permission and today when I contact the fraud department back they told me my fraud claim was rejected saying my fraud report was not fraud but it is fraud I want the account balance to be cleared to {$0.00} and I want the account to be disputed off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For the past 3 years I have been under an Income Sensitive Repayment plan, which must be renewed each year with an application and letter verifying employment ( VOE ). Every year it is the same. Navient misreads my VOE and falsely inflates my income. I am a XXXX and am paid on a 10-month salary. Navient does not understand what 10-month salary means. So it gets explained over and over each year, it takes about 5 phone calls, and then by the time they " figure out '' it is the same as the previous years, my term has ended and they say they " must cancel '' my reduced payment plan. This means it takes a month or two at a much higher payment rate to be resolved, right at the time ( summer months ) that as a XXXX I am not being paid. Navient knows this and does the same thing each year. This is a way to gouge a little more cash from their helpless customers. 

Each time I keep a paper trail. Their customer service people openly lie and say " oh it is fixed, we promise '' but then it does not get fixed. This year again I have the paper trail to prove the following : This year I have the online chat record to prove that back in XXXX Navient approved my application, accepted the VOE, and agreed to the usual reduced payment plan. But once again they cancelled my plan, and claim to have " lost '' my forms. This happens every year! Like the last few years, they also always refuse to send the final confirmation until the end of the previous cycle. That makes it impossible to fix any problems because it is too late. This year it happened again and they are refusing to correct their error ... asking me to go into forbearance ( which just makes them more money ). This is unethical business and they have me in a bind, threatening to ruin my credit. Please help! 

If you read the attached copies of my correspondence with Navient, they said back in XXXX that all was A O.K. and I need do nothing else. But this week they posted a note to me saying my repayment plan was cancelled, they did not get any forms ( a lie ), and the my payment will now be doubled as of immediately. They pull this stunt every year!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: JFQ Lending, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received a deceptive letter in the mail. Header of the letter states : " Understanding FNMA Enhancements ''. This letter includes misleading header of " Your Economic Benefits '' from the " aggressive enhancements '' made to XXXX XXXX eligibility? This letter gives the reader the impression that the XXXX ( XXXX ) are providing some " economic benefits ''. This letter is a ploy for a refinancing solicitation from JFQ lending, Inc. NMLS ID # XXXX a Mortgage Broker, XXXX AZ . I believe this has the potential to fall under UDAAP regulation as a potential violation of deceptive and abusive solicitation practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
There was an error collecting payment that has processed. The company reported late and says they can not go back and fix what is already reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: OpenRoad Lending
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I reached out to Open Road Lending llc. Multiple times regarding this matter of trying to cancel gap insurance. I was very clear to them in the being that i did not want gap insurance. XXXX XXXX is the name of the agent that i worked with at open road lending and when i noticed the gap included in the docu sign contract that was sent to me i asked he about it and he stated that he would get this issue resolved this was on XX/XX/2022. Now i am still calling and getting the run around between opening road lending and this third party dealer XXXX XXXX XXXX on trying to cancel a policy i never wanted or asked for to begin with please help as i do not know where else to turn.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: PLANET HOME LENDING, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am in the home buying process. I have asked numerous times for my credit report. The Leander XXXX XXXX NMLS ID # XXXX has given me every excuse to why he can not give me the information. I can not move forward unless i have another leander run my credit. He knows this and is being very unprofessional. I shouldnt have to work this hard to get my own information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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