BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: HI
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 Creditt Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXXl # XXXX 15 U.S. C 1681 Section 602 A. States that I have a right to privacy.

Also, 15 U. S. C 1681 Section 604 A. Section 2, States that a consumer reporting agency can not furnish an account without my written instructions.

Also, 15 U. S. C 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse items of information, other than records of convictions of crimes which antedates the report by more then 7 years.

Lastly, 15 U. S. C 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion is refusing to process my dispute under the guise of sending inconsequential response letters. Transunion initially asserted that I was working with a XXXX party and they were unable to verify my identity and/or given permission. I responded with a CFPB complaint, verifying that I indeed submitted the dispute. As a result, Transunion is now saying that they can't process my dispute because they're not sure what I'm disputing. 

XX/XX/XXXX : Attached is the original dispute mailed to Transunion on XX/XX/XXXX- tracking number XXXX. This includes a letter that explained the premise of the dispute, requested verification and method of verification beyond E-Oscar, and supporting documents to show that their counter-part removed the trade due to inaccurate information, statements that show fluctuating balances, and so forth XXXX XXXX I have responded to both Transunion letters and they are also attached. There is not a plausible reason as to why Transunion is continuing to with this ruse. 

This is a last attempt, otherwise I will begin to select attorney and initiate arbitration for blatant violation of consumer rights.

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 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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 noticed unauthorized inquiries on my report which comes from identity theft. I filed a complaint with identity theft.gov and my FTC Identity Theft report reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have deposited my check from work and wanted the 7 days for it to clear and they still have my account on hold after the money has been cleared they are still giving me problems making wait and have no access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Flagstar Bank, N.A.
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I am filing a complaint against XXXX XXXX and XXXX XXXX from Flagstar Bank in XXXX MI ( XXXX XXXX XXXX ) for not following bank regulations for a joint account with survivorship. On XX/XX/2022, I presented my husband 's death certificate to close 3 CDs ( XXXX, XXXX ). XXXX XXXX insisted that a penalty would be applied because survivorship meant beneficiaries. I disagreed. I showed her an invoice from XXXX XXXX XXXX XXXX verifying no penalty for closing my CD account. I asked her why Flagstar is the only bank that does not follow bank regulations. She said she would consult with XXXX XXXX. When she returned, XXXX XXXX said XXXX XXXX agreed with her that survivorship meant beneficiaries, so penalties would be applied. 
I requested to speak to her supervisor. XXXX XXXX called someone and said a " waiver '' would be applied just for me. The bank should be investigated for illegal practices by using intimidation and deception.

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 2018-09-07
Company: CL Holdings LLC
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
( 1 ) On XX/XX/XXXX I purchased a car and got a loan through XXXX XXXX XXXX XXXX ( XXXX ). ( 2 ) On XX/XX/XXXX I voluntarily surrendered this car to the lender, however, it took XXXX four months to pick up the car after I offered to turn the car in to them. I'm sure they were adding interest and late fees during this additional four month delay. ( 3 ) XXXX was required to send specific notices to me, under state law, which I never received. ( These notices are itemized in a letter I sent to XXXX on XX/XX/XXXX ). I never received any documentation as to the amount the car was sold for, how much was credited towards my loan or any details on the exact amount of the loan that was still due. ( 4 ) On XX/XX/XXXX an Order of Dismissal was issued by a Kentucky Court on the referenced loan. This is the first time I was notified that XXXX had taken legal action against me in the first place. ( 5 ) On XX/XX/XXXX I met with a military financial counselor who helped me prepare a letter to send to XXXX. I mailed the letter USPS certified return receipt and never received a response. The letter is attached ( item 5 ). ( 6 ) After no response from XXXX, I pulled my credit report and noticed that XXXX XXXX out of XXXX XXXX, MN is now collecting on this car loan. I have not received any notification from XXXX XXXX. ( 7 ) On XX/XX/XXXX the military financial counselor helped me prepare a letter to send to XXXX XXXX to request validation as to their claims. 30 days have past and I have had no response from XXXX XXXX. This letter was mailed USPS and I have proof of delivery ( attached item 6 ) ( 8 )  Today I am sending a second letter to XXXX XXXX ( attached item 7 ). ( 9 ) Proof of USPS delivery is attached as item 8.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: JPMORGAN CHASE & CO.
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:
Date : XX/XX/2022 I have been a victim of 7 separate identity theftsone of whom is through your company. After calling 1 of the other 7 companies, their internal investigations team identified the abuser as XXXX XXXX ( SSN : XXXX ) Address : XXXX XXXX XXXX XXXX XXXX , CA XXXX Your dealership used my name without my authorization which can be misconstrued as compliance of criminal activity. My credit information was used fraudulently via co-signer/co-borrower, to apply for 7 different car loan accounts without my consent. Luckily each account was not approved. Nevertheless, I did not authorize these accounts, and I therefore am contacting JPMCB Auto Finance and XXXX XXXX : Please remove the hard inquiry by JPMCB Auto Finance and XXXX XXXX from my credit report through your bureau, attached to this letter is a screenshot of my credit report These lists of fraudulent hard inquiries ( including yours ) were brought to my previously unaware attention, because I was investigated by mortgage underwriter due to excessive hard inquiries from car dealerships. Please help me and remove your hard inquiry as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I was forced to overpay unearned late fees of {$2800.00}. 
For 8 years Nationstar has secretly allocated {$11000.00} after deleting all contemperaneously charged late fees and a single {$990.00} deferred late fee. 
I owed {$1500.00} in late fees. 
In XXXX, XXXX and XX/XX/XXXX, I provided clear evidence of this inaccurate payment allocation, Nationstar 's counsel claimed was updated XX/XX/XXXX, and then after causing my prejudice by fraudulently obtained XXXX waiver and release, the counsel waited a month and disclosed that in fact no update to lines XXXX were ever actually made. 
XX/XX/XXXX I wrote a required notice of error. Nationstar acknowledged the notice XX/XX/XXXX, and refuses to respond with a data entry correction in lines XXXX and refuses to provide me with an accurate account history of my loan. 

I was provided a Verification of Mortgage that also claims I had XXXX current payments when the final payment was current and the first XXXX were generated 16 days after the due date and paid the date I received them in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I shesule my payments and they constantly call. When they call they immediately hang up. I received a call today and got the XXXX  answer of of now I see you scheduled your payment today. This is harassment to the extreme. Multiple calls daily and they hang up every time I answer. This needs to stop or I will take them to court and sue for more than the car is worth. Its ridiculous. Im clearly not avoiding them and doing my best to make the payments on time and get caught up but I know my rights and again this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Rausch Sturm LLP
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Rausch Sturm sent me a letter a couple weeks ago stating that they have either bought or are representing a company for debt collection purposes. I have yet to see proof that they are representing still but that's not my biggest issue. 

I sent them an electronic notice on XX/XX/XXXX to dispute and told them to ONLY keep communications to physical mail and email, that would make all other communication forms off limits. They then proceeded to attempt to call me on XX/XX/XXXX while I was working which I decided may have been a one and done breach of rights. However, they then decided to attempt calling me again while I was working today ( XX/XX/XXXX ) at which point I decided to file this formal complaint towards you, Rausch Sturm LLP. My communication rights have been violated. 

I sent another dispute request in today ( XX/XX/XXXX ) as well which will hopefully be honored as it once again specifies which forms of communication are appropiate.

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 2022-10-20
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Discover Bank 's Discover Bank Consumer Privacy Statement says that Discover Bank does not share consumer personal information with nonaffiliates but has furnished my non public information to nonaffiliated third parties such as credit reporting agencies. I opt out of, consented or implied consented, reporting of this information. It is an invasion of my privacy and against the Privacy Act of 1974. There is no law that states Discover Bank MUST report any information about me to a third party. Removal of my personal information they have shared needs to be done immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My mother died intestate in XX/XX/XXXX, leaving several accounts with money balances in Capital One Bank. I became the administratrix of her account on behalf of my sister, brother and myself and filed ALL papers with a letter of instruction requested by Capital One bank on XX/XX/XXXX. I set up an Estate Fund with an EIN number and requested that Capital one write a check to The Estate of XXXX XXXX ( My Mother ) We received a case # from Capital One ( XXXX ) regarding the XXXX accounts # XXXX and # XXXX. 
For nearly XXXX  months we have filed more than XXXX emails at the address included in this complaint ; we have more than XXXX hours of recorded phone call with representatives from Capital One telling us that we should have a resolution within XXXX  days. We aren't contacted, we received no funds and we call again. This endless loop of empty promises from Capital One continues every other week. 
And not to confuse the issue, we earlier ( in XXXX ) filed the same papers and eventually after XXXX  months were told that they Capital One have no record of that filing, leading us to file the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Experian Information Solutions Inc.
State: TX
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:
the Consumer Credit sourcebook of the Financial Conduct Authority ( FCA ) which states one of the following rules Where there is a dispute as to the identity of the borrower or hirer or as to the amount of the debt, it is for the firm ( and not the customer ) to establish, as the case may be, that the customer is the correct person in relation to the debt or that the amount is the correct amount owed under the agreement. 7.14.4.. I  demand that the following account be verified or removed immediately : XXXX XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX   XXXX, DP OF EDUC XXXX, DP OF EDUC XXXX, DP OF EDUC XXXXXXXX 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 2019-11-11
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:
My social security number was stolen from me to open fraudulent accounts with XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XX/XX/23 I sent a letter regarding inaccurate information.I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me

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 2018-08-08
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi - I have a mortgage loan ( for $ XXXX ) with Stearns Lending which I was making payment on time via auto pay. 

Got a " loan transfer '' notice from XXXX XXXX stating that the loan has been transferred to them by Stearns Lending as of XX/XX/XXXX and I have a statement from them stating the loan is due as of XX/XX/XXXX and will be late after XX/XX/XXXX. 

However, I did not receive a 'payoff ' or 'loan transfer ' statement from Stearns Lending and according to their customer service, my loan is STILL with them and I have a statement with payment due as of XX/XX/XXXX and will be late after XX/XX/XXXX. 

I spent 1 hour on a conference call today ( XX/XX/XXXX ) with both the banks and Stearns is saying they did not transfer the loan and XXXX is saying they have my loan now and I owe payment to both the banks. 

So right now, this loan is claimed by two banks ( Stearns and XXXX ) demanding me to make two mortgage payments on 1 loan. 

Can you please take a look at the case and help me make payment only once and to the rightful owner of the loan? Also, can you please process the request quickly as I will be late on my payments after XX/XX/XXXX. 


Best, 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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Re : Complaint Against Credit Bureaus for Unresolved Identity Theft Issues I am writing to formally report an unresolved issue with certain credit bureaus regarding fraudulent accounts on my credit report as a result of identity theft. Upon reviewing my credit reports, I identified two unauthorized accounts : XXXX Collection Account Account Number : XXXX Outstanding Amount : {$2300.00} XXXX XXXX Credit Card Account Account Number : XXXX Outstanding Amount : {$1100.00} In an attempt to rectify this, I initiated disputes with the credit bureaus through written communication on XXXX separate occasions. Regrettably, despite my earnest efforts to resolve this critical matter, I have not received any acknowledgment or response to my disputes. The presence of these fraudulent accounts has not only severely impacted my credit score but has also caused significant distress in my personal life. I had taken the necessary measures in good faith, expecting the credit bureaus to address and correct these inaccuracies. It is deeply concerning that these disputes have seemingly been overlooked or ignored. I implore the Consumer Financial Protection Bureau to intervene in this matter and facilitate a just and prompt resolution. Your esteemed bureau 's assistance in ensuring the removal of these unauthorized accounts from my credit report will be invaluable in restoring both my credit standing and peace of mind. Thank you for your prompt attention to this grave concern. I am hopeful for a favorable outcome with your guidance and intervention. Warm regards, 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 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
They force closed an account on XX/XX/XXXX. It has been months now, and the 1400 I had in my account is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
This letter is sent to formally dispute certain information that has been reported by your agency and to express my concern regarding the lack of verification associated with this information. 

Here are the items that I am talking about : -- -- -TransUnion  XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Experian -- -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- -- - XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
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: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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 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