BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion, XXXX, and XXXX have continued to furnish and disclose reports in violation of law. the are violating the scope and purpose of the FCRA and undermining banking while violating my right to privacy. The FTC identifies identity theft as using personal or financial information without permission. i have never given permission to these agencies to furnish, collect, or disclose my information. they continue to make money from federal crime. this is against federal and state law and also a violation of public policy. they are violating the universal declaration of human rights and in accordance with the us constitution i expect my XXXX amendment rights to be protected. i authorize the cfpb ftc sec irs to do everything in there power to cease these actions not only for me but for the posterity of the nation. my complaints have been ignored. they are using heasay evidence as information and ignoring those with first hand knowledge. this is a violation of title XXXX and basic principles. continue to bring claims into judiciary illegally and they must be stopped. They have violated the core principles of our society and caused unjust enrichment to those destabilizing the nation. this is treason. the have violated glba, fcra, fdcpa all privacy rights and multitudes of state laws They are creating a monopoly on peoples private information financial information and property this is unacceptable. all avenues will be pursued from here forth. I will not hesitate to use every law and oath of office to see injuction in this matter. They have been sued time and time again yet continue bad faith deceptive practice and illegal disclosure of private information. all inquries without express permission and my signature must be removed. all negative accounts must be removed.

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 2023-09-06
Company: Experian Information Solutions 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:
I'm writing to formally dispute the veracity of a few facts in the credit report your office recently provided. I have carefully examined this report, and I've found a number of mistakes and inaccuracies that could harm my credit reputation. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections 608 and 611, which give me the right to ask for a thorough investigation to confirm the accuracy of the data in my credit report. The FCRA requires a thorough investigation into the disputed items, so I formally request that it be done by your office.

I respectfully request a written acknowledgement of this dispute letter and regular updates on the progress of the ongoing investigation, to be given within the legally required thirty-day window, in accordance with FCRA guidelines . In accordance with section 611 of the FCRA, I also anticipate getting a free copy of the updated credit report that clearly outlines any changes made.

I fervently hope that this matter will be handled with the utmost seriousness and that the investigation will be carried out in an objective and thorough manner, strictly adhering to the rules established by the Federal Trade Commission ( FTC ) for protecting consumer rights.

I want to thank you for taking the time to look into this urgent matter, and I have faith that the disputed items will be quickly resolved in a way that preserves the accuracy and integrity of my credit report.

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 2020-04-06
Company: SYNERGY ONE LENDING, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We were approved and ready to go on XX/XX/XXXX ( see below ) way before COVID-19, We closed on the loan on XX/XX/XXXX. Our check cleared our account on XX/XX/XXXX. XXXX was not called about his employment until XX/XX/XXXX a week later. XXXX was notified on XX/XX/XXXX ( see email below ) as well that you could not get his employment verification so XXXX spent countless days trying to get his employer to send verification. Everyone at your company was aware of this. We were told on Friday if we received the letter of employment we would be good to go on Monday. Now you tell me almost 3 weeks later that we can not fund the loan because of my credit score. We applied for the loan way before Covid-19 was an issue. XXXX, you told me today the loan was funded and then unfunded the loan because you could not get employment verification after we sent numerous emails stating we were trying to get it. We have followed through with our end of the deal. It appears to me that someone dropped the ball between XX/XX/XXXX and XX/XX/XXXX which at this point did not allow us the opportunity to cancel the loan. Meanwhile we were told there would be no closing costs and then turned out there was {$4100.00} in closing costs which caused us to have to use our line of credit and thus XXXX 's credit score went down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Navy Federal Credit Union sent settlement letter dated XX/XX/XXXX. Offered settlement amount for debt owed. Full defaulted credit card debt {$12000.00}. They offered upon receipt of letter to settle account in full for {$3600.00}. I had full intention of doing so. They took the full {$12000.00} out on XX/XX/XXXX They did not honor their settlement agreement. I had withdrawn my 401k for a full amount of {$24000.00} and the day following without notifying me. I am in default on my home. I am a service connected XXXX  veteran deemed homebound by the VA.

I called today, and they said the funds will not be returned to my account. I was also told after speaking to the same person on the phone. that I would be able to get a credit card again trhough the company to help fix my current situation.

I called to sign up for a credit card immediately following and was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions 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:
Your information is inaccurate. I do not recall having a bankruptcy on the date you are reporting and there is a blank field making your information incomplete as well. Your public record information is often inaccurate, which is the case in what you are allowing on my credit report. You are allowing slander on my credit report. Your butts need to be sued if you do not remove this from my credit report. Delete this immediately! 

XXXX  XXXX XXXX Date Filed XX/XX/2020 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 2022-05-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has incorrect information on my account and refuses to remove it.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

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  Account # 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 2020-04-06
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:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
I had to go on Military leave for a month and i contacted all my creditors to let them know i would be unavailable to make my payments until i got back from duty. Capital One assured me that it would not be a problem but once i returned i had an alert on my credit report that i had recent late payments. I called Capital one and the Rep said it was nothing he could do so i'm forced to file a compliant against them for these two accounts. 
CAPITAL ONE BANK USA NA -XXXX Opened XX/XX/XXXX Late payment XX/XX/XXXX, CAPITAL ONE BANK USA NA -XXXX Opened XX/XX/XXXX Late payment XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call on XXXX. The voice-mail did not provide any details. It just stated that no contact and the case was being escalated. I called the number provided XXXX. The first gentleman was pleasant. Provided conflicting information and our call was disconnected before I could obtain more details. I researched my credit reports and couldn't find anything resembling the account mentioned. I called back and the second man was abusive and rude. Every time I attempted to ask a question about the account, he would interrupt me saying " ma'am this is a debt you owe ''. I attempted again to ask a question and he continued to speak over me. He ended the call by saying " this will proceed to judgment '' and hung up on me. I was trying to explain to him that I didn't recognize the debt. The address they initially referenced was an address that I haven't lived at for over 17 years. None of what they were saying made sense and thus why I was attempting to ask questions. I'm currently enrolled with XXXX for debt relief. Even their reports showed nothing about the alleged account. They claimed they've sent multiple letters to both my current address and the old address. I have received ZERO letters. This is extremely stressful, I have XXXX XXXX and I can literally feel my symptoms beginning to flare.

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 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
After reviewing my credit, i noticed that my TransUnion report has an unauthorized inquiry which i have no clue. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

Inquiry Details : Company Name : XXXX XXXX XXXX Address. : XXXX XX/XX/XXXX, NY,XXXX. ( Doesn't have full address ) Telephone : XXXX Inquiry date : XX/XX/2018

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 2023-02-25
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2020-04-06
Company: Experian Information Solutions Inc.
State: AR
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 brother informed me that I received a letter in the mail from where I use to live stating that I owed a debt of some type. I did a little investigating and I was told that someone has given my name and social security number to open accounts. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and some inquiries that had been pulled under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my report.

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 2023-04-12
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I took my family on a vacation to XXXX in XXXX  and was a total lose of around {$2500.00} for the fact being wells Fargo held a check being deposited via mobile app was placed on hold and all of the reservations where cancelled and had to borrow money from friends and family after we had to sleep in a 2 door XXXX  for 3 days untill the money was released so after paying friends and family back we didn't even get to enjoy the vacation and do what was intended

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 2023-06-29
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
Inquiries not made me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
My complaint is regarding following bank and this personal banker working there : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- First National Bank of Omaha XXXX XXXX XXXX XXXX, TX XXXX XXXX Tool Free : XXXX fnbo.com -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This bank has a branch in Texas and XXXX 5.5 % interest rate on all CD accounts. 
On Saturday, XXXX XXXX, I went to this branch and met Personal Banker XXXX XXXX XXXX XXXX 
she convinced me that interest rates on XXXX and 17 months XXXX 's are 5.5 %. 
Based on what she said, I decided to proceed and deposit my money in a XXXX account for 7 months. then she printed a few pages and highlighted 5.5 % rate on all those pages and asked me to sign the contract. 
I signed them all based on trusting her ; thinking that she is an honest person and is functioning as a banker. 
Then after signing all documents, she disclosed to me that my actual interest rate for 7 months on this CD will be 5.28 % not 5.5 %!. 
I told her '' why didn't you disclose this difference earlier before I sign all your papers? '' In response she said : '' 5.5 % is Annual Percentage Yield on this account not on your CD ''. 
I confronted her and said : '' this should have been discussed and disclosed earlier before I sign all your documents and this is a prime example of misleading and fraudulent activity that I did not expected to see from a banker or a banking XXXX ''. 
When I told her that I will file a formal complaint, she responded : '' I have been doing this for many years and have never had any problem so far ''.

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 2019-01-26
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2013 I paid off my debt that went to collections of {$270.00} and I received a letter from credit bureau associates stating that my debt has been paid in full and I also received another letter stating that I would have the " reference account '' deleted from my credit report since it was paid off. I had recently checked my credit report at my local bank and it shows that this debt is still attached to my mine name and is listed as unpaid. It has affected my credit score immensely because of this debt that should have been taken care of years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 2023-06-29
Company: NAVY FEDERAL CREDIT UNION
State: SC
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:
On XX/XX/2023 I have an inquiry on my report from navy federal that I never applied for. The information is inaccurate and I would like to have this inquiry removed and corrected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
CAPITAL ONE-VENTURE CARD, ACCEPTED MY PAYMENT BUT FAILED TO CREDIT MY ACCOUNT AND CLOSED MY ACCOUNT. 3949-A HAS BEEN SUBMITTED TO THE IRS AND TREASURY DEPARTMENT XXXX 
Failure to honor, credit the intended account has caused loss injury and harm. An offer of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. It is their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies.

This Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ) .PITAL ONE-VENTURE CARD

Company response to consumer: Closed with explanation