BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-02
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Yesterday ( XX/XX/18 ), my son and I both received phone calls from National Credit Systems , Inc saying that we needed to call immediately regarding an account for my son. He and I called together right away and my son gave them permission to speak to me since he is XXXX years old. We were told that they had just taken over an account for an outstanding balance from when my son moved out of his apartment in XXXX, Florida in XX/XX/2018. We were told that the full amount of {$2500.00} had to be paid that day and that if it wasnt my sons credit would be negatively affected. After some conversation with the rep ( XXXX ) from National Credit Systems, my son and I both thought we heard her say that the account could be settled for {$1300.00} if I paid right then, so I gave her my credit card information. When she came back on the line to confirm, she told me that she had charged my card for {$1900.00}. However the miscommunication happened, that was not the amount I thought I was agreeing to so I told her to please void the transaction. First she told me they were not able to do that. When I insisted, she transferred me to her supervisor ( XXXX ) who said that he could void the transaction, but if the account was not paid in full that day that my sons credit would be negatively impacted. When I asked about payment arrangements, he said that he would not authorize any payments on this account since I was making him void the credit card charge and that my sons credit was going to be negatively impacted by this. My son called back today ( XX/XX/18 ) to try to work out a payment plan and was again told that payment in full was required and that he was going to ruin his credit if he didnt pay right then. He asked for something in writing showing the exact amount and stating that payment in full was required and was told that they dont do anything by mail or email and that they will only handle accounts over the phone. I dont know how any of this is legal, but even if it is, this certainly isnt fair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have a number of inquiries that do not apply to me on my Credit Report. I reached out to all 3 Credit Bureaus with a formal letter on XXXX XXXX, 2020 and I have not received any correspondence since then about the inquiries. I also sent a letter asking them to respond as they have 30 days to do so. I have a copy of the letters I sent on XXXX XXXX, 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Right now there three sets of the same loans on my credit report. Theyre all reporting different information to different bureaus. Its hurting my credit differently on each one.

All accounts are paid off, but only one loan reports as paid of f while the other 12 are reporting as charged off.

This negative mark alone is ruining my credit, I have tried to fix this multiple times, and to no avail. Please assist.

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 2022-03-02
Company: ALLY FINANCIAL INC.
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: Account status incorrect

Complaint:
ALLY FINANCIAL is reporting an ILLEGAL REPOSSESSION on all XXXX of my credit bureaus. Their repo guy broke into my CLOSED LOCKED GARAGE, which is ILLEGAL. If they can not provide proof WITH PHOTOS that they LEGALLY repossessed it, by law they must remove the account entirely from ALL 3 credit bureaus. Their verifying that is was repossessed is not the issue at hand. Please force them to actually respond with proof. Since I know they can not, it must be REMOVED 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 explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below XXXX XXXX XXXX ACCOUNT NUMBER XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 2020-10-22
Company: EQUIFAX, 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 status incorrect

Complaint:
They are reporting inaccurate information on my credit report which is hurting me on getting credit. Equifax is stating that I was late with XXXX XXXX XXXX  XXXX on XX/XX/XXXX 30 days and XX/XX/XXXX 30 days. I was never late. I also exercised my right for FCRA, I have certified mail proof that they received my dispute on XX/XX/XXXX with a signature of XXXX XXXX.It has been more than 30 days, they must delete these inaccurate late reports from my payment history. 

I reached out to my state attorney who said this is a FCRA violation, I was advised to submit a complaint through CFPB, if it is not resolved they will intervene with legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: BB&T CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
The branch manager put a false fraud alert on our account because she got mad at me for stating to management I did not like the way she talked to me and embarrassed me. She retaliated and said she will fix me and put a fraud alert on my account which froze revenue and held all my revenue. They have held all funds for over 30 with no resolution this is wrong and I do n't want my funds held any longer. I want them to release my funds and close these accounts and I never will bank or refer anyone to them ever again. 

This bank is BB & T Bank XXXX XXXX XXXX. XXXX MD XXXX XXXX XXXX XXXX is our account name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have received several inquires from Bank of America without my authorization. 
They have open accounts on my behalf which I never request. I contacted the bank on XX/XX/XXXX after receiving a credit card on the mail that I never request, for this they did a credit inquiry on XX/XX/XXXX. After this incident I check my credit report and they have been unauthorized inquiries from bank of American since XXXX. I have never request nothing from this bank I am not even a costumer. Today XX/XX/XXXX again my bank notify me that on XX/XX/XXXX there was another inquiry on my credit from Bank of American, again this was not me. I contacted the bank again and they told me I am probably a victim of identity theft. I told them I have only received unauthorized inquiries from their bank and no one else. Please help

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, please correct the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$27000.00} ; XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00}.

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sent you a letter last XXXX XXXX but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-02-07
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband lost his job in XXXX, since then were having problems paying the mortgage, on XXXX we stopped making payments due to the hardship. I contacted my loan company and they told me that i had to apply for forbearance hardship, i did apparently I didnt fill out the application the right way and i did 3 times after they told me to and it was always something wrong. Finally the accepted my application i send all the documents required i have been sending them my paystubs every XXXX weeks, and they just keep asking for the same document all the time. I called today XXXX because they send me an email that they rejected my application due to a missing information, they said that i never send them the HOA papers which i did it 3 times and they told that what they received it was from XXXX, which I dont know from where they got that information because we bought the in XX/XX/XXXX, and the house was build in XXXX. Then they told me that my paystubs that i send after the application dont match with the first one, that the amount its different, which i told them of course dont match because i am working overtime trying to paid some of the money that i owe you. Thats where i got upset because for me dont make any sense that a company dont see that the amount dont match because its overtime. And their answer when they realize their mistake was for me to write a letter. This situation is being like this since XXXX and they dont have an answer for me yet, except that i will loose my house. They refused to transfer me to a supervisor, treated me like garbage, the worst customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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 status incorrect

Complaint:
Car loan has been paid off and they deleted negative information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Dear CFPB, I have a credit card ( ending XXXX ) with Capitalone Bank. I made a small {$1.00} payment via XXXX and that was for a small purchase. Capitalone coded this transaction as cash advance and charged me {$10.00} cash advance fee plus daily interest starting day 1 of transaction. Once I noticed this issue, I called Capitalone and explained. There is no way someone wants to cash advance {$1.00}. Capitalone customer service is not helping and refused my request for fee refund. Then I got to speak to a supervisor and she confirmed with me that if the original purchase transaction is revsesed, the fee will also be reversed. I have now reversed the XXXX transaction and now the original {$1.00} went back to my credit card. HOWEVER, the {$10.00} cash advance fee is still there! Capitalone is just using this almost fraudulent way to overcharge customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-25
Company: EQUIFAX, 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:
HELLO SORRY FOR BOTHER DISTURBANCE BUT I HAVE MULTIPLE INQUIRES IN MY CREDIT REPORT THAT I DO NOT RECOGNIZE SOMEONE ELSE USING MY PERSONAL INFORMATION WITHOUT MY PERMISSION IN A FRAUDULENT WAY AND TRY TO COMMUNICATE WITH EACH COMPANY BUT THE RESPONSE OF THEM IS NOT TO BE ABLE TO HELP ME, YOU CAN NOT FIND ME IN YOUR SYSTEMS YOU CAN ONLY TELL ME TO CONTACT DIRECTLY THE CREDIT BUREAU AND SO YOU CAN HELP ME REMOVE THE FRAUDULENT INQUIRES THANK YOU .. BUT I TRY TO COMMUNICATE WITH YOU BUT I RECEIVED NO POSITIVE RESPONSE PLEASE HELP ME TO UPDATE MY INFORMATION THANKS XXXX  ARE PAY ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have a student loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX  XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX   XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me under same account number 8 different accounts with multiple 90, 120 days late payments. There was an error on their part. I was never 90, 120 days late.

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 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies XXXX Transunion, XXXX, and XXXX ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is a hinderance in applying for new credit, housing, etc. In addition to my complaint, I have been a victim of fraud. I am attaching a copy of a police report. I am requesting that these items be removed from 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 2023-03-29
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 an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 2023-02-16
Company: U.S. BANCORP
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
I had a 30 month cd with State Farm at 1.98 % beginning in XX/XX/XXXX that was maturing on XX/XX/XXXX. The account was sold to US Bank in XXXX. The letter fronm usBank on XX/XX/XXXX said your CD will be maturing on XX/XX/XXXX and if you wish to automatically renew your certificate no action is required. I had no reason to believe anything was changing on my CD. As of XX/XX/XXXX, today, i learned they renewed my certificate at .05 % interest. If i had not made call today, to USBank about proof of CD renewing i would never have found out that they had reduced my interest rate to almost nothing. I canceled my CD and had to pay a penalty of {$3200.00}. I was given no explanation of how legally they dropped my interest rate, other than that i should have asked for their " special rate ''. Not only have i not made ANY money in the last 8 months, but it cost me {$3200.00} to cancel my CD so i could move it somewhere for a higher rate. I have all the paperwork and names of relevant people involved for reference.

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 2023-02-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I had contacted XXXX, Equifax and XXXX to remove inaccurate addresses as well as other inaccurate information such as closed accounts or creditors that i did not have. XXXX has not and will not remove inaccurate information from credit report after multiple calls regarding this matter. Now things are being reported to XXXX, Equifax and XXXX neglect their duties and trampling my rights under FCRA. I've been a victim of identity fraud multiple times and it has been documented with all three bureaus. I truly need your assistance in this matter. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: Minto Financial dba Minto Money
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Explained I wasnt explained to that I was going to be charged 766 % interest and principal. I borrowed {$550.00} and have already paid as of today {$910.00}. They said I will have interest daily and that the payoff as if today is {$830.00} and will change tomorrow. Explained to them I didnt understand what I was getting into and if there was something that can be done. They said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/XXXX, I purchased a room rental from XXXX for a college trip with my parents, when I returned from the trip I noticed that the hotel had charged me for the room additionally, I spoke with the lady manager at the hotel and she stated that she would correct the mistake, which did not happen, I disputed the charge with my credit union, they gave me a provisional credit, fast forward to XXXX, XXXX XXXX, my credit union took the Provisional credit back from my account, I supplied the credit union with the documentation of my receipt from XXXX, and they still took the money from my account. I attempted several calls to the rep that is investigating the claim in addition to her supervisor and no one will return my calls. The charge is {$150.00} I also have XXXX additional fraud charges on my debit card, and the credit union will not even investigate these charges at all. {$21.00} from XXXX and {$30.00} from XXXX XXXX, whom I do not have service with.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief