BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
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:
I recently went over my credit report, and I noticed that there are payments that are being reported as late. 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 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/XXXX I sent credit dispute letters to XXXX, Equifax and XXXX asking to Validate the debt for 4 accounts I saw on my credit report. I did not receive any return communication by mail from them. 
On XX/XX/XXXX I sent another letter letting them know I had not heard from them and I wanted an investigation started on the 4 accounts. I did not receive ay return communication by mail from them On XXXX  I have sent another letter by certified mail letting them know I have not received a reply about the results of the investigation in to the 4 accounts. This is causing a hardship because it is preventing me from buying a home for my family. Very soon we will have to find a new place to live. 
I thought the credit bureaus had 30 days to respond with the results of their investigation. if so they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) at the XXXX XXXX foreclosure auction on XX/XX/XXXX. After over a year of being the owner on title and never being contacted by XXXX XXXX XXXX or Selene Finance I went to sell the property ( XX/XX/XXXX ). I was told there was a first mortgage with XXXX XXXX XXXX that would need to be satisfied. XXXX  XXXX XXXX told me they sold the loan to Selene finance. I have been calling and emailing Selene finance for months trying to get payoff info but Selene has told me that they have no foreclosure department for me to talk to and no available managers to help. They take my name and number and tell me I will hear from a supervisor within 48 hours. I have been calling three times a week for two months and have not heard back. Meanwhile they posted two separate notices on my property stating they while be re keying and boarding up the property. My buyers title company has tried many times to contact Selene with no luck. I hired an attorney and he is trying to get the mortgage payoff, but has been met with the same silence from Selene finance.Also they allowed the former owner to collect surplus funds from the foreclosure auction that should have been used to pay down this first mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Reporting Act ( 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I applied for and received a Quicksilver card with Capital One. I already have a XXXX with them, as well as a checking account. Both are in good standing. 

When I tried to activate the card, the fraud department began demanding copies of my passport and ID. I am a US citizen and I thought this sounded scammy, so I refused. 
I also immediately closed the account without ever using the card. 

The account was restricted, and they refused to remove the restriction, even though I closed the account. The result is that I can not open another card, I can not access any online help, because this closed account is restricted, and my credit has been affected. 
I have repeatedly asked for a physical address or email to send a complaint, and they refused to do so. 

They also refuse to remove the unused account from my credit report, which has affected my ability to get a home loan. 

I can not even access the complete card number because of the restriction. 

I want help to remove the restriction and to restore my credit. 

I believe that my financial accounts are being affected like this as a form of harassment after I made complaints against federal contractors who work for the Department of Homeland Security. 

Since making those complaints, I have been subject to numerous problems with credit, insurance, and banking -including being reported to security companies for " suspicious behavior, '' even though I haven't committed any crimes or been arrested for anything EVER. 


I have been targeted and harassed for years for doing the right thing, and as a reward, XXXX has destroyed my life. 

I request that CFPB help me with Capital One, and additionally refer my complaint to any other agency that can help me with a complaint against XXXX itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/23 I disputed through Equifax a XXXX credit card. On XX/XX/23 Equifax dropped my credit score down to XXXX. The score dropped XXXX points. Just two days prior the prior score was XXXX. There was no reason noted. I called Equifax this morning. The sole reason for the score drop was for me putting the XXXX account into a dispute. The Equifax rep said the score dropping was penalization for disputing and has been a long time coming. Her words not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. 

Here is the list of inquiries : Transunion : 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
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

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 2023-09-05
Company: EQUIFAX, INC.
State: NY
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 received a copy of my consumer report on XX/XX/2023 and I noticed multiple inaccurate information that violates my consumer rights. The CRA lied to me by notifying me in writing that these accounts did not appear on my consumer file when in fact they did! as a victim of identity theft and I request that you reinvestigate and permanently block the information below for FCRA violation section 15 U.S code 1681, 15 U.S code 1681c, 15 U.S code 1681s-2, U.S code 623 ( a ) XXXX  DISPUTED ACCOUNTS : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I 'm experiencing financial hardship in my family. I have applied for financial hardship with my creditor and I was accepted to the economical hardship program by creditor. Creditor deferred payments for 6 months. After six months, my financial situation has not been changed and I contacted creditor by asking them to extend program due to extremely difficult situation. I do not have any type of income at the present time. I paid creditor partial payment as I was advised to prevent delinquency on my account and reporting derogatory information to consumer reporting agencies. Creditor was harassing me and their collection department demanded from me to make payments. I applied one more time for financial hardship program. The started reporting negative information to credit reporting agencies. They continue demanding from me payments to bring account to current and reporting to credit reporting agencies. I still waiting for their decision with acceptance into financial hardship program. I 'm asking creditor to delete negative information they reported from my credit report and allow me some time to reoccupy in order to resume my normal payments.

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 2021-06-09
Company: Experian Information Solutions Inc.
State: NY
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:
The company needs authorization from you to proceed with your complaint. 

We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. 

in response to Experian, XXXX XXXX XXXX XXXX born XX/XX/1961, give Experian authorization to proceed with my complaint

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 2023-10-25
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
See attached CFPB XXXX full Complaint in PDF format for details. Summary : My account balances on the XXXX and US Dept of Educations websites reflect a XXXX balance after I was granted XXXX  forgiveness, but XXXX has failed to report such to the credit bureaus as stated in its own forgiveness notice. I have filed XXXX rounds of disputes with the credit bureaus to have this information updated to no avail. I am reporting this to the CFPB for XXXX  failure to appropriately report correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
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 charge off and paid off accounts the have been paid off. Late payment information of account that I no longer have in my possession. Accounts I don't or didn't open in my name. 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 2023-01-17
Company: EQUIFAX, 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:
This is my NUMEROUS 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on MACY'S/DSNB. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

MACY'S/DSNB XXXX Balance {$910.00}

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 explanation
Consumer complaint received 2023-10-30
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I have applied for the SAVE plan so that I can make payments that count through PSLF as I am a XXXX XXXX XXXX They said that my documents were denied. They asked for my tax documents from the prior year, which isn't when I started teaching. I can't upload a tax document for 2023 because it isn't out yet. I can not get in touch with anyone, especially during working hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: DISCOVER BANK
State: VA
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 recently received mail from Discover stating that I owe a balance and I want to dispute this claim because Ive been out of state for over a year and I also have a letter from a former employer stating that my personal information has been compromised, I also dont live at that address that they have on file as well so I want to dispute the fees that they are stating in the letter that I received. I havent use my card in almost a year. As I mentioned, my personal information was compromise, and I believe somebody has been using my credit cards, which is fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-02-08
Company: Experian Information Solutions 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2023-09-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
XXXXXXXX  I notified Wells Fargo that a check for the amount of {$260.00} was cashed by an imposter at one of their branches. I sent in all documents ( affidavit, drivers license ) that I did not open the account to Wells Fargo Bank. Well Fargo has denied my claim twice, saying I went in and opened and account and deposited that money {$260.00} and also closed the account. I have found out that Wells Fargo sent a denial letter to the imposter back on XX/XX/XXXX  which included my personal information. They have compromised my personal information as well as denying my money. 

I even requested form Wells Fargo to see the documents that were provided to open the account, to know which Branch it was done at and also to see the video of me opening this so called account. They have not provided me with this information. 

They are refusing to refund my money and have compromised my personal information with the imposter. 

I

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