BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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 2023-10-12
Company: EQUIFAX, INC.
State: LA
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've contacted all companies and have been constantly ignored about this ongoing fraud activity that's being reported on my credit report. The following items are not mines and I request that Equifax, XXXX XXXX XXXX XXXX XXXX XXXX remove immediately. 


The following items are fraudgalent and unauthorized. 


Equifax Creditor XXXX XXXX inquiry date XX/XX/2023 Equifax Creditor XXXX XXXX XXXX inquiry date XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft in which it has resulted in multiple accounts of different varieties has been opened in my name. I have been reporting this information to XXXX, XXXX, XXXX on numerous occasions. They each have failed to investigate this matter properly. I sent in a 609 letter requested that all items be removed and yet these items still remain on my credit report. All items have been reported to the FTC as well. I have sent in my ID SSN and also letters requesting to remove incorrect information off my correct. My rights are being violating by XXXX, XXXX, XXXX and Im in the process of seeking litigations. There are multiple inquires wrong names and address and fraudulent accounts located on the credit reports. I was also told that there is another account from another person with a similar name who's information was merged with my account. XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Social Finance, Inc.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Upon opening up this account with Sofi, it was advertised and opened as an account that would allow you to overdraft up to {$50.00} if you qualify. The qualifications were you would need to have at least {$1000.00} in direct deposits monthly. They also had a promotion that ran concurrent with the overdraft protection but for direct deposit itself. If you set up direct deposit you would get {$100.00} as a welcome bonus. You would need {$1000.00} in qualifying direct deposits in order to qualify for the {$100.00}. On XX/XX/2021 I received my {$100.00} welcome bonus. Hence, that means I must have had qualifying direct deposits, as I had. However, I never ever til this day was able to use my overdraft. I relied on it, despite never using it, but being that I had qualified month after month, at one point I put my trust in Sofi to see the logic of why I should qualify for overdraft and provide this feature that they offered and I established this account to use. I was told by a manager that my direct deposits are being coded as deposits. Due to this misnomer, no fault of my own, they never gave me access. I emailed, I went on social media, I spoke with various departments. I was told to wait like 2 weeks and then once I qualify with the {$1000.00} deposits again, it would work. I subsequently moved my deposits elsewhere since I need overdraft at time, and after months of qualifying and even getting a bonus paid out due to direct deposits being received, it is infuriating that they did nothing despite my numerous complaints to provide me the benefit they dangled to cause me to get the account. I have since been told that I would just need to qualify again with the deposits in order to get the overdraft, which they fixed now for my account I guess. But I had been inquiring since XX/XX/XXXX and have been ignored and lied to along the way, and so I just had my deposits go back to my prepaid account that offered overdraft coverage at a higher amount and without a debacle over the difference between a deposit and a direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The current Bank holder still has not recorded a reconveyance of the mortgage securing a HELOC that they prematurely closed after I paid down balance to 0 owed & in good standing ) on XXXX XXXX7. The Deed of Trust securing the original {$640000.00} remains a cloud on my title. I understand they have violated civil code S 2941 etc. but issue seems to be that the file had been over to their trustee to reconvey & after starting process by recording a substitution of trustee on XXXX XXXX XXXX, the trustee dropped or maybe lost the file?? Anyway the substituted trustee for the bank did not then sign & record the reconveyance. And no one at bank, no one I have talked to has been able to get this done.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I have been sending information about some accounts that appear on my credit report to the bureaus for months, and they didn't answer about my requests, not even by email. By law they have to report about my requests. It is unfair I have to come to this to be took into account by these 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 non-monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: GA
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:
REMOVAL OF THE FRAUD ALERTS and SECURITY FREEZE on my personal credit file and to update my identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: BYL Collection Services
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was into a rental lease with XXXX XXXX XXXX, managed by XXXX XXXX XXXX, XXXX. It ended on XX/XX/2022. I had no debt to them at that point. After several months, they started harassing me with emails, and, eventually, with a collection agency, BYL Services, for a completely unjustified amount of {$330.00}. I have repeatedly disputed this with the company, the collection agency, and XXXX, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
an individual whom I allowed entry into my house stole my debit card and misappropriated my funds. I reported this to my bank and they cancelled the card gave me a provision credit for the transactions that were disputed and issued a new card. Then a month later the bank sends me an email that says one thing though on the phone the say the opposite. On the phone they say that they are holding me liable for the transactions with the stolen card and they even went as far as withdrawing the full amount of the theft in other words XXXX dollars from another account i held with them without even doing a good faith investigation. I hired an attorney and the bank wont even let her talk to them. they provided an email which they won't respond to. my bank stole my money and I have gone through the discolsures and agreement carefully and they are in breach of their agreement that they must follow. further because they are playing dirty and simply do not want to accept thta they ar ein the wrong and re breaching the customer agreement and discosures they TERMINATED my banking relationship with them and restricted my account so i can't use it. FOUL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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: Their investigation did not fix an error on your report

Complaint:
This is my secondary request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance XXXX {$77.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-31
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I now have Moehla from XXXX. I have never been able to speak to a human. When loan repayment kicked in XX/XX/XXXX, I prepared by submitting my IDR back in XX/XX/XXXX and asked to have my PSLF recertified. I am 7 payments away from full forgiveness and meet the 10 year of federal government service. My ide results which were not provided in XXXX so I did it again in XXXX and was quoted {$930.00}. Now I started with $ XXXX in loans for grad and undergrad and already paid off all my private loans ( my mom paid that ). In school I also paid {$25.00} a month since XXXX until XXXX when repayment begin. With help from my employed Ive paid off over $ XXXX and never paid more than {$600.00} a month. Well, Moehlas statement was {$920.00}. I used savings to pay it in XXXX, fearing I would have a hit to my credit. It was hard. I immediately emailed them and asked for a review. I did not provide the link to my taxes, instead providing my pay stub in which more than $ XXXX is taken out of my check. Moehla the quoted me {$230.00} a month then a week later they said I was in the SAVE plan and that ended up being {$1300.00} - thats completely unreasonable and this is basically like a payday loan place or a loan shark. I cant imagine how any of this is legal. As a former XXXX XXXX and employee of the federal government I am disappointed that this program cripples so many people. We can never plan for a future if our 4-6 year degrees plague us for years to come. I am not opposed to paying until it is forgiven but I want to pay a fair amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: NY
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 DO NOT RECALL OR RECOGNIZE ANY OF THESES HARD INQUIRIES : 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 explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: CA
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account.

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 2022-12-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is my secondary request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance XXXX {$77.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've started receiving hang up calls from Comenity Bank/XXXX XXXX on my cell phone and today ( XX/XX/21 ) they've left messages on my brother 's phone giving a misleading bank name. I called the message phone number left on his phone and found out it wasn't " XXXX XXXX '' but Comenity Bank/XXXXXXXX XXXX. The collection agent " XXXX '' was very rude, wouldn't let me talk, kept contradicting me as to whether I made payments ( I have ) and refused several requests for the address for their Customer Service Department. Finally he gave it to me and then started another rant non-stop and I hung up. I'm sending them a cease and desist letter per the Fair Credit and Collections act but I don't like the threats he was making so I want to register a complaint. I had an agreement to make payments monthly at {$20.00} a month, actually have been making them at {$30.00} a month and they state that what I pay doesn't even touch the principle of my account! I want the calls and rude threats to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
on XX/XX/ I bring myself to Bank of. America on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX california XXXX that is the Branch Where I opened mi account but is not the first time I go to this bank and the same person is Treat me bad I feel he discriminate me for some reason or maybe is like most of the Business that. People get ln the pl. Places to ask the employees to denied the Services to myself.or maybe they want to hide some information because I asked for Information about a email that I received Regarding a Some Account with XXXX XXXX XXXX XXXX he tole me that is not from bank of America and I told him that I received from bank of. America and he told me but we don't have any one from that company XXXX I Said So Where is one Location that I can get. Information and he told me on XXXX they have XXXX Speaker but at tha time was a guy from XXXX! was walking with a Lady and I look to. him and he told me he only speak English and I told him I do speak English and he told me you need appointment I ask for one lie give to me for today but I not feel comfortable don't think I go because he even told me that was no one to attended me but one of. the Associate come to ASK if we need help and he said No but he was thinking I don't understand English Even he device to another person he told him to come back in one hour Yes to denied me the Service

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 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 notified The company prior to XX/XX/XXXX of this year of financial hardship and then afterwords on XX/XX/XXXX I let them know of my unemployment that began that time and opted to take the unemployment insurance and I paid for on my loan. They did not process the unemployment insurance paperwork correctly ; so I reached out to them using several different methods and finally filing a dispute with you just previously. They contacted me and seemed like they were finally correcting the situation however upon checking my credit score and report again they have not done so, or they have changed it and then went back and reported it as a delinquent account after the fact.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 need you to verify my report well, because I dont recognize these acconts and these inquirys. 

Inquiryss : 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