BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Reporting Act, XXXX  account # XXXX XXXX XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A. States that I have a 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. 
The following inquiries are Unauthorized : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX 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.

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 2023-03-27
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company that services my mortgage is Mr. Cooper. This company has proven to be incompetent, unreliable, and untrustworthy regarding the servicing of my mortgage. Here are some of the issues I have had with them : My XXXX homeowners insurance premium of {$2800.00} was due by XX/XX/XXXX. Mr. Cooper did not pay that premium in a timely manner and my homeowners insurance policy was cancelled due to nonpayment. ( I had to contact my insurance agency to work on my behalf and eventually the policy was reinstated. ) In XXXX of XXXX, after an Escrow analysis showed there was a shortage of {$3700.00} in the account, I called Mr. Cooper and asked if I could pay the difference for that Escrow shortage so that my mortgage payment would not increase. The agent advised me I could do that, so I paid that {$3700.00} over the phone to her, and I specified that that money was to be applied to the Escrow account. However, that money was mishandled and incorrectly applied as XXXX separate mortgage payments -- XXXX in the amount of {$1900.00} as a " monthly payment '' and XXXX in the amount of {$1800.00} as an " additional principal '' payment. When I called Mr. Cooper to have them correct the error, I was told that they could not fix it because it was too late. After speaking with different people over the course of several days and pushing for them to correct their error, they finally corrected the error and applied that {$3700.00} appropriately to the Escrow account. 
My XXXX homeowners insurance premium of {$4100.00} was due by XX/XX/XXXX. Mr. Cooper did not pay that premium and my homeowners insurance policy was cancelled due to nonpayment. I called Mr. Cooper and an agent apologized and advised they would overnight the check to my homeowners insurance company. 
When Mr. Cooper paid that late XXXX homeowners insurance premium, it did so XXXXpaying {$4100.00} on XX/XX/XXXX and then paying {$4100.00} again on XX/XX/XXXX. As a result of their overpayment, there is now a negative balance in my Escrow account. 
On XX/XX/XXXX, I received a check from my homeowners insurance company for the {$4100.00} overpayment mentioned above. I called Mr. Cooper and was advised that I should cash the check, make an Escrow payment in that amount on the website, and then call them to advise I did so. I am not at all confident that when I make that payment as an Escrow deposit it will be correctly applied to the Escrow account. Instead, I am afraid it will once again be applied incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
I opened a Capital One Walmart credit card in XXXX of XXXX. My son applied & received the same type of card. I added all of my children to my card as authorized users to help build their credit. I always paid on time & for the majority of time kept my credit usage under 10 percent. My son had a dispute with Capital One about one of his payments. Due to this Capital One restricted my card. I called them on XX/XX/XXXX when I discover the restriction via my phone app. They said it was due to him. I explained not only was I not listed on his account he was just an authorized user on my account. I told them to read what they have listed when adding someone as an authorized user. I also explained that he didn't have an obligation to pay on my card & vice versa. I told them to look at my account history. I also told them if he's the issue to just remove him as an authorized user because I was out of town & needed my card. The only thing I received from that XXXX min conversation was him being an authorized user being the cause of me not having access to my card. They also said I'd receive a letter in 7-10 business days regarding the restriction. I still made my payment on time. 
As of XX/XX/XXXX I hadn't received a letter. I looked at my app before calling Capital One & it still showed restricted. When I called I talk to someone briefly who told me my account was closed than I was transferred so I could receive further explaination. When the second repXXXX " XXXX '' got on the phone. I explained the situation again & never receiving a letter they said I would originally receive nor one stating my account had been closed. " XXXX '' told me that the " system '' closed my account cause of my son 's account. I asked why when I spoke with someone previously. I also asked why hadn't they tried to contact me or even give me the option to remove him if it was an issue to have him as an authorized user. He repeated himself again. I said, " You pulled my credit for me to get the card. You've never had any issues with me but you closed the card negatively impacting my credit for something I have no part of. Why can't you just remove him & cut my card back on? '' He said, " Your account is closed but you can reapply if your want. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
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 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 2023-10-30
Company: Experian Information Solutions Inc.
State: GA
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:
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 Account Number:XXXX  has violated my rights. Or a 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 explanation
Consumer complaint received 2023-03-28
Company: U.S. Auto Sales Inc.
State: GA
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 repeatedly tried to have inaccurate information removed from my credit file. US Auto Finance has repeatedly ignored my dispute of information being furnished to XXXX, XXXX, and XXXX. The three credit reporting agencies have all continued to report information that is inaccurate. The first dispute of inaccurate information was filled on XX/XX/2022. I received no response. I resubmitted in XXXXXXXX XXXX XXXX  but still got no response. I don't know what else to do besides ask for CFPB to help resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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 2020-02-05
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:
I check my credit report and I found fraudulent accounts not belongs to me please removed them.

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 2020-09-22
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the Mail I received a notice that I had requested a loss mitigation workout system. I did not want that I want them to stop charging additional fees and cost. I have not ask or requested modification of this loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: IN
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: TX
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2023-06-18
Company: Blackhawk Network Holdings Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Today on XX/XX/18 I purchased a {$50.00} e-gift card on XXXX XXXX website through XXXX. The company authorized the purchase, took my money, then pretended that I requested a refund and then never sent the card to my fathers email. Theyre now withholding my money and card from me. 

XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions 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:
I discovered that three accounts had been opened in my name on my credit report by a company called XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts were opened without my knowledge or consent, and I did not permit them to open XXXXXXXX XXXX  credit card in my name. During a timeshare presentation I attended, they requested a soft pull to see my membership options. However, I later discovered that they had performed three hard pulls on my credit report, and to my surprise, I received XXXXXXXX XXXX credit card in the mail after returning home. When I tried to cancel it through XXXX, they refused, and XXXX also refused when I reached out to them. This is a deceptive business practice, and they have used my credit information to open an account without my authorization, knowledge, or consent. Before attending the timeshare presentation, my credit score was XXXX. Still, now, due to the addition of these inquiries and the account to my credit, it has dropped to XXXX, making it challenging for me to move into a decent home. I want this account removed from my credit report immediately because I did not authorize it. I have already disputed the account, but the credit bureaus ignored my request for removal and my right to an investigation.

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 2022-12-27
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lender has marked my account and notified credit agencies with a late payment notice. 

No payments have been missed or, are missing. 

I have contacted the lender by phone on two occasions and after a lengthy wait time, I am offered to have someone call me back within 24 hours but never received one. 

I did notice the monthly amount recently changed by approximately {$50.00} so I updated the payment amount but, payments have NEVER stopped. I have a payment history going back several years that I can furnish if needed.

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 2023-07-03
Company: PNC Bank N.A.
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: Reporting company used your report improperly

Complaint:
PNC Bank sold my information to XXXX. XXXX sold my information to many mortgage brokers. For about two weeks I get over 80 calls from different mortgage brokers in a day. They use different phone numbers so there are many numbers to block. 

Around XXXX XXXX on XX/XX/2023 I submitted an application for a loan with PNC Bank. The next day I had over 80 calls from people that wanted me to borrow money from them. Some of them from the same organization. Some of them send me personal information about how much money I owed in text messages to me. They do not call me on weekends and usually don't call after hours but my phone is so busy it is difficult to use it to contact my loved ones. I am on the do not call registry with the Federal Trade Commission. XXXX has passed the information on so they can't get it back. 
The representative at PNC had the same experience. 
Everyone admits there is nothing you can do. 
A local mortgage company does not do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I am writing to you because I am concerned about the accuracy and honesty of bureau 's data. According to FCRA section 611, It Is important that we have accurate records on file with those who rely on them most- including not Just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards I have found that there may be some inaccuracies in reporting going forward. If these issues are not promptly resolved I would love any feedback possible before taking action against you later down this rood together. The inaccuracies that are currently my report are having a serous negative impact on my quality of life The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate I am demanding accurate documentation so you can document me- the person who deserves status, Society - correctly Please make sure that all inaccurate are removed Immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 2022-12-14
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/12 I was victim of scam and I sent money through XXXX ( {$500.00} ) using my banking app. I called the bank immediately to report that with the hope they could reverse the transfer, but they told me that they cant do anything even though I was reporting as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There's medical bills on my credit and I never received any bills for any rights about notification or anything about that I had record of medical bills on my credit report until I ran it I was never aware of it I had full coverage insurance I would have took care of it and even when I now send in paperwork proving it and also showing proof that I've never received any letters at all these companies still do not want to assist me by removing them from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation