BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2022, I mailed out my FTC identity theft report to notify these companies that I am a victim of identity theft. I reported to them that I did not open or authorize this account, and I requested that it be closed immediately. I asked them to please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have sent a copy of my FTC Identity Theft Report. Because the information that they are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX  to cancel my monitoring services in XX/XX/2018. They did not cancel my service ( original creditor account # XXXX ) and continued to charge me for another month. At this point I cancelled my credit card. Even though I cancelled my card they continued to bill me for two more months and then charged me a cancellation fee, even though I was out of contract and had been using there service for 7 plus years. Now they have sent a collections agency after me claiming I owe them {$110.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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:
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. 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. XXXX  XXXX  XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2700.00}

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 2023-07-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act. The list of of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX DEPT OF ED/XXXX # XXXX 15 U.S.C. 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 an account without my written instructions.

15 U.S.C. 1681 C ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have contacted Transunion about these unverified and unauthorized inquiries. yet it still remains on my file. 
Hard Inquiries 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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting several inquiries by XXXX XXXX to my credit report while its obvious that no company needs to pull ones credit several times a week let alone several times a day Transunion refuses to remove the inaccurate information while it only to a simple phone call to XXXX and XXXX to get this error corrected. 

Transunion wants me to reach out to XXXX XXXX which I did and they both Transunion and XXXX XXXX Are having me having to jump through too many hoops to have me to correct their misinformation which has caused me to miss out on several credit approvals due to this Misinformation being reported on my credit. Below is how the item appears on my credit XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX  XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX  XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX ) XXXX Help with correct this will be greatly appreciated.

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 2022-11-21
Company: EQUIFAX, 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:
This company XXXX XXXX XXXX is reporting an inaccurate information on my credit report. Also, there are unauthorized inquiries on my report, I was not aware of these and I want the information removed because it is damaging my credit and violates my FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In the process of purchasing a home my credit report was pulled. To my surprise I had a late reported to my credit by XXXX XXXX for the month of XXXX. I obtained an Auto loan with XXXX XXXX in XXXX  of XX/XX/XXXX. For over 40 months I have made payments on time within a 30day period. On XXXX XXXX of XX/XX/XXXX I called in to make my regular payment OF {$1200.00} to XXXX XXXX, with 5 days remaining in the month. After speaking with their customer service and loan department, I was informed that there was nothing they could do to reverse the late that they reported on my credit. They confirmed that I did call in on the XXXX of XXXX  but they out source the processing of their payments to a company called XXXX which post the payments within 2 business days from which they were made. In my situation they did not post until the 4th business day which was the XXXX  of XXXX, causing me to have a 30 day late on my credit. This is definitely unfair trade practices. I had NO knowledge of their outsourcing and I should not have to suffer from a 30 day late when in fact the payment was made well within that time frame. I am in the process of purchasing a home and this has greatly affected my ability to qualify for a home loan.

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 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2023-05-08
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2017-12-13
Company: S & S Recovery, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt is relating to a balance owed to XXXX XXXX College in the ammount of XXXX. I contacted XXXX XXXX College on XXXX/XXXX/XXXX in reference to this account and they let me know that it had been placed With S & S RECOVERY , INC . I CONTACTED THEM THE VERY SAME day regarding the account they stated that they did not have any information regarding the account and I had not recieved any letters or communication from them regarding the balance. So here I am trying to get my official college transcript to enroll in school but im getting the run around about my account. Then I recieved a letter from S & S stating that I was previously notified that my account was placed for collections, which i had not been notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This complaint is being filed against XXXX XXXX XXXX ( XXXX XXXX ), XXXX, at First National Bank ( FNB ). The home buyers used XXXX XXXX ( XXXX XXXX ) to obtain a mortgage for the property I was selling. XXXX XXXX ( XXXX XXXX ) provided a pre-approval level, mortgage commitment letter and the other milestones that occur during the home buying process. Unfortunately, XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) waited until approximately one hour before the scheduled closing on Tuesday XX/XX/XXXX, at XXXX, to request documentation that could have been provided during the five weeks prior to closing. The request forced the postponement of closing. For the next seven days, XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) proceeded to delay the closing by requesting new and redundant documentation that should have been addressed much earlier in the process. On Tuesday XX/XX/XXXX, my realtor informed XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) that they needed to make a decision so the buying and selling parties could proceed. XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) decided not to approve the mortgage, forcing the buyers to initiate the process with a new mortgage lender. The buyers were quickly approved by a different bank and the sale closed 24 days after the original closing date. As the seller, the delay cost me thousands in additional interest payments, lower pro-rated amounts, etc. The week of being held in limbo by XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) caused undue stress on the buyers, sellers and others involved in the process. If not criminal, the ethics of XXXX XXXX ( XXXX XXXX ) and First National Bank ( FNB ) are not conducive to reasonable levels of honesty, integrity or anything resembling a focus on customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Questions such as how many file complaints against Citizens Bank for not lowering payments and helping people like myself get a lower payment that I can do? What about putting these two loans together to make one low payment. I don't get this. I thought a company like Citizen 's Bank would help consumers like myself? Why are there no options for me and others like myself in the USA? 

Why is this? Why would CB not help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Ralis Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
contacted owning for advertised mortgage rate with no closing costs $ XXXX loan, 1.99 % rate & APR 15year term meet all requirements per disclosure but was told there is 0.25 % cost. 
the representative was up front with this cost but can not explain it is not reflected in either disclosures or advertisement. 
this is false advertising in my opinion and should not be allowed. 

attached ad content

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
I attempted to update the information and addresses on my credit report. However, I was blocked by each of the credit bureaus. When I called to update my report via telephone, I was informed by the bureau representative that Barclays XXXX and XXXX  are the reason. They reporting a status of charge off each month and then closing the account. This is why I am not able to dispute the incorrect post office address portraying as a residential address that is currently in someone else 's possession.

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 2021-11-17
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My sons father used my social to her car insurance thru XXXX. He opened account in XX/XX/2021. He owes {$420.00} I filed a report, i disputed it with fraud, i called XXXX, i got fraud alert on my credit. Next step is police report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Idaho Housing And Finance Association
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Upon receiving a response on XXXX XXXX through CFPB from HomeloanServ, my mortgage loan servicer, it has now been another full month that I have been awaiting to receive my partial claim/loan modification documents of which I was first informed it would only take a few weeks to receive via XXXX. Homeloanserv stated they would fully process my Covid Combination Partial Claim/Loan Modification within 60 days by XXXX XXXX, Homeloanserv is not fully cooperating with me and I believe they are intentionally delaying the process to force me into foreclosure. Homeloanserv is treating me unfairly and violating federal servicer laws that protect homeowners. My application is not being processed in a timely manner. I would also like an update on a correct escrow analysis. The balance on my escrow is incorrect which could affect my loan modification amount. The estimated taxes that was included in my custom partial claim/loan modification was misinformed. Homeloanserv has not provided to me an updated escrow analysis with the correct balance for my property taxes/insurance. My custom loan modification should be a lower amount than {$1800.00}. I am feeling overwhelmed with stress due to the poor communication and hurtful words i have heard when I called in to Homeloanserv to speak about the Covid FHA loan modification/Partial claim options and follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
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:
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.

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 inructions 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 response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
My credit card account was closed because of a typographical error when submitting a payment. Once I learned of the issue, I immediately remedied the situation before even attempting to use the card.

I tried to reopen the account and Capital One said I needed to wait 7-10 days. Its been a few months. Each time I call Im being told someone will call me. Nobody ever does.

I opened these accounts to rebuild my credit. They are destroying my credit. Ive sent a written request and Capital One has ignored my correspondence. I need help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX refuses to do anything to fix this. My account has been open for almost 3 years. Around XX/XX/XXXX they started reporting my account as closed with the comment closed by card holder. I never authorized this card to be closed nor has it been closed. I have attempted to contact them and resolve this but they just transfer me around asking for the same information over and over, eventually they just hang up and end the call doing absolutely nothing. I again attempted to call them on XX/XX/XXXX only to be hung up on during the call. In the month of XX/XX/XXXX i purchased something an was given a {$1.00} credit when the next months statement came out XXXX XXXX made an account adjustment taking the dollar. This is theft. I have disputed this numerous times with the credit bureaus submitting the credit card statements an photos from inside XXXX mobile app. The status gets changed by the credit bureau then the next month XXXX reports the account as closed again. This directly effects my XXXX XXXX. The company does not provide customers with an up to date XXXX XXXX in the XXXX XXXX section of the mobile app. Today is XX/XX/XXXX using the XXXX XXXX tab in the mobile app shows you your score from XX/XX/XXXX. They have directly caused my XXXX XXXX to be lower. In the last XXXX years they have NOT given me a credit increase. They have intentionally kept the credit limit low so they can prevent my score from increasing solely on credit usage of the available credit.

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 2019-01-30
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/XXXX {$4500.00} purchase. Sears Home Improvement salesperson stated that new account was approved with 18-month finance free promotion.

I have been making monthly payments of {$260.00} to ensure that the total balance is paid off prior to the 18-month promotion expiration.

XX/XX/XXXX {$39.00} interest was charged to the account for the first time.

I have emailed and spoken by phone to approximately 10 different individuals who have not been able to assist with this matter. Either the account was established incorrectly, or the salesperson engaged in deceptive credit practices.

I have requested that the account be closed immediately, and I will pay the balance in full ( less the {$39.00} interest assessed in error ).

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 monetary relief