BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 Balance : {$530000.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$58000.00}

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 2023-01-27
Company: Second Round Limited Partnership, Austin, TX Branch
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was served by Second Round LLC on XX/XX/XXXX about a debt that I didn't recognize. The document included a Bill of Sale to Second Round Sub LLC that said it was effective as of XX/XX/XXXX ( but wasn't signed until XX/XX/XXXX ). The description of the portfolio or package was redacted on the document I received. It also did not include who the Seller was, except for a signature that noted his title was XXXX. 
This was for a XXXX debt evidently, and the last payment listed was XX/XX/XXXX. I also have a date of XX/XX/XXXX for " Charge Off Account - Principals '' and " Charge Off Account " Finance Charges. '' I was able to find all of my previous XXXX charges, and I can't find these payments listed. Also, my XXXX credit account has been closed so I can't verify if the account number belongs to me. 
Also, XXXX still has my maiden name because I've had issues updating it, but these records have my married name. 
When I first received the summons, I responded on XX/XX/XXXX with an answer. I never heard anything back after this answer until yesterday, when I got a court date for XX/XX/XXXX. 
I called Second Round back when I was first served and they didn't have a record of me that corresponded to my social security number or date of birth, so they said it was probably sent to the wrong person. Then after I received the court date, I called them again and they gave me the same information but also that my address was listed for them. They gave me a number for XXXX XXXX XXXX. I wrote them a contact note and have tried calling multiple times ( I left XXXX voicemail ) but I get sent straight to voicemail every time. 
They also included a Status Report Pursuant to Servicemembers Civil Relief Act, which has my first and last ( married ) name but the last XXXX of the XXXX and the XXXX are redacted. When I tried to call the XXXX 's contact number to ask them to look up the certificate ID, I got a busy line every time. 
I have no way to truly verify if this debt belongs to me, but I am still being summoned in court after a year and a half of silence in regards to my answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I closed my Discover Card in XX/XX/XXXX. Today XX/XX/XXXX, I received a Statement alert email indicating I have a statement available. Concerned about fraud, I called discover who gave me a non answer that the card had an " internal charge '' which was reversed resulting in the statement alert. While there is no balance, I am extremely concerned the card that should be closed, and likely expired by now, can somehow still be charged, even internally. This seems like a huge security risk and I am extremely concerned about my private information contained in their database still.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Global Lending Services LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2022, my car was a total lossXXXX XXXX XXXX was immediately ready to pay the loan off. I retained the law firm of XXXX XXXX XXXX to communicate with the finance company, Global Lending Services, so that I could get the loan paid off and collect any money due to me. The law firm tried to get XXXX to communicate and work with them to get XXXX ' loan paid and get me my remaining money owed but XXXX continuously refused to cooperate with my law firm ( see emails to/from XXXX attorney and my law firm 's paralegal ). For month 's XXXX ignored my law firm and continued to bill me monthly payments on the loan. This caused an extreme hardship to me as I was involved in an XXXX, off from work, and could not afford to pay a loan that should have been paid off months ago. If it were not for XXXX ' incompetence, the loan would have been paid. Additionally, they ruined my credit by showing me late for two car payments with them ( one that should have been paid off long ago if not for their lack of cooperation and due diligence ) because they are holding over {$2000.00} of my money and refusing to return it to me. I would like to ask that they be fined for their unethical actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions 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:
XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX, Account Number : XXXX, has violated my rights to Privacy and Furnish a Account WITHOUT written consent. 

[ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose ( I have a Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

[ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports ( A Consumer Reporting Agency CAN NOT FURNISH a account with my written instructions ) ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They have the account listed as a joint account and I did not give permission for that joint account to be opened.

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 2023-08-23
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:
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 and XXXX  XXXX : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other 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. 

These inaccuracies on my credit report are stopping me from getting approved for an apartment, a new car and starting a business. In addition to violating my consumer rights, these accounts are reported inaccurately.

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 2023-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, I have a complaint to file against Capital One Bank.Back in XX/XX/XXXX I was approved for XXXX XXXX XXXX XXXX XXXX ( XXXX  ) in the amount of {$140000.00} to help support my small business.The money was disbursed through my Capital Business Account, for reasons known just to Capital One my bank account was closed.I was told the funds would be sent back to XXXX, I called XXXX to inform them of this and tried providing them with my XXXXXXXX XXXX  account hoping they would send the funds over to Chase immediately they get the refund from capital.I gave up after calling XXXX severally and learning they had not received the funds yet. 
Fast forward to XX/XX/XXXX, I surprisingly received a mail from XXXX stating my payments are due.The terms of this loan were as follows : -It was interest free for 30 months after it was approved -Payments ( interest included ) were to be made 30 months after the loan was approved This explains why I got contacted through mail by XXXX.This was when I understood that Capital One never returned the loan to XXXX.At this point my payments are due, if I dont make these payments it will go against my credit, its sad because I have to make payments for a loan I did NOT RECEIVE. 
I have called XXXX countlessly, they are still saying they did not get any refund whatsoever from Capital One I have been calling Capital One, I was told they are working on the case and they cant provide me a cut off time to when this case will be resolved ( sadly I have to keep making payments to XXXX at capital one takes it swee time ) I finally got hold of a Capital agent yesterday who sent me statements from XX/XX/XXXX which shows the funds were withdrawn, doesnt show the method how it was withdrawn and doesnt show who it went to but this agent claims it was withdrawn and sent to XXXXI will provide supporting documentations. 
At this point I am super stressed and confused because I honestly dont know what happened to these funds, I have to make monthly payments for a loan I never took.If this can be thoroughly looked into I will deeply appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: HI
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 am in total disagreement with the EQUIFAX investigation response to my dispute from XX/XX/2022. The incorrect items listed below still appear on my credit report. EQUIFAX only changed the details and comments on each disputed accounts, EQUIFAX ignored my requested proof of their investigation, therefore EQUIFAX is violating the Fair Credit Reporting Act section 611 ( 5 ) ( A ) of the FCRA. EQUIFAX never provided me any method of communication they used to verify the information. EQUIFAX never provided me the documentation used to verify my dispute. EQUIFAX VIOLATED the Fair credit reporting act, public law 91-506, Title VI, Section 611, Subsection A-D. EQUIFAX is violating the standard of reporting compliance implemented with the CRSA enacted CDIA Metro 2 Compliance regulations. EQUIFAX USED A COMPUTER GENERATED VERIFICATION system called e-Oscar. ANOTHER VIOLATION.

DUE TO ALL THESE VIOLATIONS EQUIFAX NEEDS TO REMOVE THE INACCURATE AND INVALID ACCOUNTS LISTED BELOW IMMEDIATELY : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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: Account information incorrect

Complaint:
While removing all 3 credit records I have noticed countless errors in hard inquiries that I do not recognize. I have 3 Hard inquiries on Transunion, 7 on XXXX and possibly 4 on XXXX. The only accurate hard inquiry that should be on my report is from XX/XX/XXXX of XXXX This was my only authorized inquiry. Also none of the Hard inquiries match from all 3 reports. FCRA states that this information has to be 100 % accurate and it is several discrepancies within these inquiries that are being reported. Also the hard inquiry from XXXX XXXX is no longer my account and needs to be removed immediately since that account was removed from my report altogether.

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 2022-02-19
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have a commercial mortgage with Community Loan Servicing LLC, my taxes & insurance are both escrowed. I've been set up on auto payment since I refinanced with them a few years ago. In XXXX of XXXX my insurance broker started emailing me about non payment, & that my insurance was going to end. I told her then I was paying my mortgage with escrows & she should be getting paid through my escrow account. She confirmed there was no payment & I ended up emailing Community Loan servicing to make sure they paid my yearly insurance policy. Even though they ended up paying late, at least it was finally paid.. None the less, I was assured the connection was again made between my escrow account & insurance policy holder. Then this XX/XX/XXXX, my property caught fire. When I gave my property manager my insurance policy, they informed her it was no longer active. I emailed my insurance & they confirmed my policy ended XX/XX/XXXX due to " non payment ''. Even though my mortgage was still taking my escrow money every month they never emailed or called me to inform me they stopped paying. '' They had then placed me on a lenders policy of {$130000.00}, minus depreciation, even though my buildings current value had reached {$250000.00} & my policy I had in place was for over the {$250000.00} with no deductions & renters loss. Now I have all my tenants evacuated, no rent coming in for an indefinite time frame based on construction & the insurance investigation. My mortgage company told me the still want me to pay for my mortgage with my " escrows '' that they so irresponsibly handled while I figure out the next few months of complete loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have been a victim of identity theft someone used my social to open up a fraudulent account i need help to get this account removed please help me out, I have filed an ftc report also an ftc affidavit and got it notarized i hope this helps

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other 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 2022-05-29
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:
XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX, Account Number : XXXX, has violated my rights to Privacy and Furnish a Account WITHOUT written consent. 

[ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose ( I have a Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
[ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports ( A Consumer Reporting Agency CAN NOT FURNISH a account with my written instructions ) ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They have the account listed as a joint account and I did not give permission for that joint account to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 non-monetary relief
Consumer complaint received 2022-02-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I the consumer made application for {$75000.00} consumer loan in good faith and credit was denied. USAA Federal Savings Bank is in violation of 15 U.S. Code 1642, USC 1681m and cfr 1002 because I, the consumer made an application in good faith, but funds was not issued. Furthermore, because my social security number ( Credit card ) was used and I received NO benefit this is proof of fraudulent activity ( unauthorized use of my credit card ssn ) on behalf of USAA Federal Savings Bank violated 15 USC 1643.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 credit report shows late payments on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

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