BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
This is XXXX XXXX XXXX, sending you this complaint to seek your assistance in blocking this account from reporting on my Credit Report. This is also to inform you that I am working on my file personally and I have not hired any Credit Company to work on my files. 

I have a loan with XXXX. I have always made my payments on time yet there was a 120-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.

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 2022-10-17
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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$20.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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: Credit inquiries on your report that you don't recognize

Complaint:
Around XX/XX/2019, I lost my wallet containing my SS card and Drivers License, since then I continue to see applications for credit appearing on my credit report that are fraudulent. I have tried contacting the creditor and credit bureaus and have had no success in removing the fraudulent inquiries. This has caused harm to my credit score and ability for me to get credit and jobs that i need. 

Here are the Trans Union inquires that must be removed immediately as they are all fraud : 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 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 2019-06-29
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Suntrust bank took my money, discriminated against me and my family as well as using discriminatory tactics in our business encounter. They let my XXXX wife access my personal account deposit a check as well as make a withdrawal from my account. Same type check that they closed my account as well as tell me theyre breaking ties with me and im bad for business. At least thats the way i took it especially when SUNTRUSTS reason for their actions was '' They had confidential information that my check was no good .... 
that was XXXX. ITS XXXX now. Oh and please let me touch on miss you dont need your money back XXXX XXXX. She stated that she worked for Consumer Financial Protection Bureau, Well. I ask miss XXXX WHO are you protecting ... .. Miss XXXX XXXX said she Respectfully decline my requests.All of Suntrusts disclosures say they may and will put a hold on checks and what have you but there disclosures say they wont hold the item for more than ten days. I have XXXX children under the age of XXXX, and I promise you miss XXXX that my chlidren can not eat that XXXX. Your Fraud departeent said that there was nothing wrong ... ... ... ... HHHeeeLLLooooooo

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 2023-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I continue to get late fees charged to my account even though I am paying on time in accordance with my payment pan. 
I was behind on payment and started making payments again to get caught up. After making 2 monthly payments on time the company called me ( XX/XX/XXXX ) to set up a payment plan. I was told that I would be able to continue making the payments by the XXXX of every month and it would bring my account to a current status after 5 on-time payments. I was notified that if I was late I would incur late fees. 
I made my payment on XX/XX/XXXX for the agreed amount and was charged a late fee on XX/XX/XXXX. I called the company and they were able to waive the fee and noted that it was a mistake since I paid by the XXXX. 
I made my payment on XX/XX/XXXX and noticed that I was charged a late fee again. This time the fee was charged on XX/XX/XXXX which is before my due date. 
I called the company again and they said that there was no record of a payment plan and that my due date was always the XXXX of the month. 
I was transferred to a supervisor who was able to track down the payment plan but said since my account was restricted the due date could have never changed so she couldn't do anything about the late fee. 
If my payment date was unable to change, why did the late fee in XXXX get charge on the XXXX ( which would be correct for a due date of the XXXX  of the month if I hadn't paid on time )? 
Why would a CC company sign a customer, who is already behind and unable to make full payments, up for a plan that will start charging them an additional fee every month? 
I feel like they are taking advantage of people and charging extra fees just to make money. 
Now they are saying my due date is stuck on the XXXX and I will continue to be charged late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-04
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This is the most recent complaint that I am sending concerning XXXX. In the past I have attempted to " pay '' the loan off early on to discover that the monies were moved and applied to places that I still have no clarification on to this day. I submitted a complaint to IDPR in connection with this predator lender and nothing has come to this. I designated a XXXX draft from my account which would have brought my account below XXXX Have been paying this way for a few months only to discover that the company drafted it's own amount of XXXX. In the past my payment agreement has been changed to lesser months with higher interest rate. I complain to CFPB constantly and only get feedback from company that never answers my concern such as why were the terms changed without my approval seeing that I signed a 53 month agreement and now this! This is something that the bureau really needs to look into about this company ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$67000.00} XXXX XXXX Balance Owed : {$6100.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$5600.00} XXXX XXXXXXXX XXXX Balance Owed : $ {$940.00} XXXX  XXXX XXXX Balance Owed : $ {$660.00} XXXX XXXXXXXX XXXX Balance Owed : {$170.00} SXXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXXXXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX  XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$69000.00} XXXXXXXX XXXX XXXXXXXX **** Balance Owed : {$5600.00} XXXX XXXX Balance Owed : {$2000.00} XXXX  XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$7600.00} XXXX XXXXXXXX Balance Owed : {$6600.00}

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 2023-06-10
Company: LEXISNEXIS
State: UT
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 AND LEXISNEXIS IS CURRENTLY LISTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY PERSONAL CONSUMER REPORTS. 
AS I HAVE REPORTED TO THE FEDERAL TRADE COMMISSION ID THEFT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been working with Amerisave for the purchase of a new home. During the appraisal process the appraisal company took extremely long to complete the appraisal report. Infact as of today ( XX/XX/2022 XXXX XXXX  ) I still don't have the appraisal report even tho " we signed the binding purchase and sale agreement on XX/XX/2022 with financial contingency of 15 days. Today is still within the 15 days time limit. Even if I get the report later today ( they have now promised to give it to us by XXXX today ), I feel like we do not have adequate time to review it and present any counter offers to the seller. I feel like Amerisave is trying to force me into a corner where there is no room for negotiation. I kept following up with Amerisave to see why the report is taking so long several times and they always said to me that they are required by law not to contact the Appraiser. They always told me they have no relationship to the Appraiser. However today morning I found out via XXXX search, to my horror, that in fact the appraisal company XXXX XXXX  is owned by Amerisave. I am extremely troubled to find out that they were lying to me all this time. They could have easily told me it is their own company and I would have requested for an independent Appraiser to review this property. But they told me repeatedly that they have no control over this process and can not call the appraiser directly. I'm worried that since they have deceived me in this, they are probably doing something else deceptive in the loan process and I might end up being in a bad spot in the future financially. Can you help me with my loan process or assign someone to help me? I am troubled about the situation I am in. I like the home and would like to buy it, but would like to have a fair and trustworthy financial partner to work with me in this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-01-09
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I read my consumer report from Equifax, and there was a XXXX on my consumer report. On the report, it states, " the account was open in XX/XX/XXXX the credit limit was {$5300.00}, and the last payment was on XX/XX/XXXX ). In addition on the report, it has an incorrect account number, and the phone number ( XXXX ) is from the XXXX XXXX XXXX ) and the address of XXXXXXXX XXXX is erroneous as well. 

On the same day, I contacted XXXX XXXX to investigate the alleged debt. The customer service rep has informed me that the account was closed on XXXX. I wrote a dispute letter to Equifax to confirm the account was closed due to the statute of limitation in Ohio has passed. The account needs to be removed from my consumer report. I wanted additional information to verify if XXXX had a signed contract with me to furnish any information regarding my Consumer Report of this account. " According to US 6802 ( Obligations with respect to disclosures of personal information ) financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ''. 

The dispute letter came back within 30 days, but Equifax sent another consumer report from XXXX XXXX. Above the report, it stated, " the dispute has been verified as accurate, and the account has not been closed. On XXXX, XXXX XXXX, I called Equifax ( Dispute Division ) and spoke with XXXX. I called to acquire how the account is open when I talked to XXXX XXXX, and they confirmed the account was closed, and I asked him where the document shows XXXX 's has the right to furnish information to my consumer report. According to XXXX, XXXXXXXX XXXX does not need to provide this type of information but requested me to call XXXX XXXX. On the same day, I contacted XXXXXXXX XXXX and spoke with XXXX, and XXXX confirmed that the account was closed and the account number listed was incorrect. Per XXXXXXXX XXXX, there was no line of communication regarding the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: EQUIFAX, INC.
State: MO
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:
Equifax should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: VA
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 recently submitted a complaint ( XXXX ) against Equifax Credit on XXXX, and I still have an issues with this organization. First and foremost, I had to submit two request which has taken well over 60 days for them to complete. The second time of submission, I submitted proof of payoffs from the creditors and Equifax still failed to correct the errors. In fact, they closed each request out, stating that the information was being reported correctly. Yet and still I have proof of payments to and from creditors. The two other bureaus seemed to have updated the same information with 15 days of receiving the payments. As I viewed my Equifax credit file most recently, I see where the credit account has been updated but my credit score is NOT reflecting what it should. I have ZERO late payments on my credit file. I am looking at Equifax 's credit scoring and reasoning behind MY actual credit score and factors affecting it. I took the time to screenshot these factors. The other area of concern is that Equifax has still NOT corrected one of the creditors ( XXXX XXXX ) that was recently paid and addressed in my last complaint with them ( 3 times now ), and with cfpb. I have also attached a screenshot of Equifax 's reporting status for the XXXX XXXX account in conjunction with my personal credit file. The information attached was obtained directly from Equifax 's website. I also attempted to submit yet another dispute to have this corrected and was unable to do so. I have attempted several times to have this information corrected and feel like I am not being heard and discriminated against at this point. As for the credit score reporting, I have NO LATE PAYEMNTS, I HAVE NO JUDGEMENTS, NO COLLECTIONS, USING ABOUT 11 % OF MY AVAILABLE CREDIT, A DEBT TO INCOME RATIO THAT '' S AROUND 29 % and INCORRECT INFO BEING REPORTED, and CREDIT SCORE THAT REFLECTS OPPOSITE OF WHAT MY CREDIT HISTORY, CURRENT CREDIT STATUS, ETC reflects per Equifax 's criteria ( attached ). I am seriously considering filing a lawsuit against EQUIFAX should this NOT be corrected IMMEDIATELY as I have made several attempts to work with these issues remedied. Your help and assistance is greatly appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: CITIZENS FINANCIAL GROUP, 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 asked for a validation of debt from Citizen but all I received is a letter stating they believe the debt is mine. That is not a validation of debt. If I owe this alleged debt I need the original contract with my signature on it. I have know knowledge of this debt, it is not mine and need to be removed from my credit file immediately. If the contract is not provided to me in 30days it can not be legally reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: ALLY FINANCIAL 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:
I received a copy of my credit report and seen unauthorized credit inquiries on my credit report. Those credit inquires were placed without permissible purposes.

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