BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX AND TRANSUNION Account # 's XXXX andXXXX, 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. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Attached is the deletions from XXXX and the two credit reports showing the inaccurate accounts reporting From XXXX accounts XXXX and 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 2017-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
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 name is currently attached to a loan that I did not agreed to or sign for. My signature is not on the promissory note they have on file. I filled out a Fraud packet with XXXX XXXX XXXX and they rejected it to stall the process. I have spent over 2500 hours of phone time with XXXX over the past 11 years and they still refuse to deal with the matter. Bank of America is the originator of the loan. They took my information from an account I had with them and attached to a loan. They sold it to XXXX XXXX XXXX and now XXXX XXXX XXXX. I continue to have my credit affected and I need the matter resolved. This is my 12th CFPB Complaint about the matter and still nothing is done. I have contacted two state governors and two state AGs but they pass the buck to the CFPB.

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 2018-04-09
Company: CITIBANK, N.A.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I made a payment of {$70.00} on my XXXX 's credit card account. This was the full balance requested, with a due date of XX/XX/XXXX. My balance went to {$0.00}. I subsequently received a bill for {$2.00} " fee '', further described as a " minimum interest charge '' on my account, with a due date of XX/XX/XXXX, showing no other charges or fees. 

On calling XXXX 's toll-free number, I was put through the automated system, in which the last question was, " are you calling in reference to a minimum interest fee? ", and when I indicated that I was, I was told that the fee would be deleted, and my statement updated. I then received the explanation that the fee was charged for the balance between the date of the statement billed for {$70.00}, and the date of the payment. This was done even though payment in full was made before the payment was due! 

This is the second time that a fee like this has been charged to my account on a balance of {$0.00}, but no such fee is charged, or has ever been charged, on any other account I have or have had in the past. This account is not supposed to have a revolving fee. If payment in full is received by the due date, there should be no interest or other fees charged. If the balance is {$0.00} before the due date, then there is no balance for interest to be charged on. I feel that the collection of interest on money that is not owed to a merchant is fraudulent, but unless I'm a special case, this is being charged to thousands, perhaps millions of customers. 

I previously reported a similar occurrence to the CFPB, and received what seemed to be a satisfactory response at that time. But clearly XXXX XXXX has not changed their policy. Agreeing to waive an improper fee when someone complains is no substitute for honest dealing in the first place. Many consumers will not complain, and as long as XXXX 's decides when to waive it, they can withdraw that offer at any time and resume charging interest on a balance of {$0.00}. This needs to stop!

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 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 recently sent letters over 60 days ago to this bureau Transunion and they are disregarding a regular consumer dispute. I'm stressed and extremely upset at this company because I've been sending letters before this and still no response.

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 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XXXX account was sold to XXXX XXXX XXXX , XXXX. I called the original creditor which it was XXXX XXXX, and they told me that, they aren't reporting this account to any of the credit bureaus because the account was sold. I have a letter from XXXX XXXX XXXX , XXXX stating that that account is not being reported by their company either, if non of these two companies are reporting this account then this is being reported inaccurate on my credit reports. By law I have a right to dispute any inaccurate information that is on my credit report, I need the credit bureaus to delete this account from my credit reports, this account has not been verified nor validated at all. I demand that this matter be investigated and documentation bearing my signature be provided to me, as it is required by law.

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 2018-04-09
Company: EQUIFAX, INC.
State: AL
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:
Equifax is WILLINGLY breaking the law by not blocking information that I have stated is a result of Identity Theft. I have sent in my Identity Theft affadavit and they are still refusing to block an account with XXXX XXXX. 

Equifax said they have to treat it as a " Dispute '', which makes no sense since a dispute asserts a specific inaccuracy in reported information, which could broadly apply to anything, ranging from the spelling of the consumer 's name to the legitimacy of the debt. The implications of a positive resolution of a dispute is confined only to a finding with respect to the specific information identified in the dispute, which is not necessarily related to the ultimate legitimacy of the debt. 

My assertion is that I never authorized any account upon which the asserted debt is based, so the proper procedure is to get the information blocked from my credit report is by using the identity theft process set forth in FCRA 605 B. This process does not include any involvement of the reporting party, and is based only on the assertion by the consumer provided it is accompanied by a police report. As I have fulfulled this, Equifax is breaking the law by not blocking this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have noticed many incorrect and unauthorized items appeared in 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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney!

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 2021-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have an active account with Capitol One. I requested a credit line increase that was declined for no stated reason. I called and spoke to several representitives and they could not provide a reason or anyone I could speak to to determine the reason for the decline. The account has been open for over five years with the balance paid monthly. My credit score is excellent and I have close to {$1.00} XXXX in that bank, no debt and monthly income of $ XXXX/mo. I'm assuming the cause is my age, soon to be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Academy Mortgage Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the process of refinancing our home mortgage loan, we were advised that a conventional loan would have been better suited to our needs. Upon further review of our closing disclosure, we learned of anapproximate {$1200.00} HOA set up and transfer fee, over 16,000 in closing costs and over 19,000cash to close ( including the closing costs ). In addition, the FHA loan calls for {$4700.00} to be paid in  advance for mortgage insurance premium. We were advised by another lender that to refinanceat this time would be counter productive because of the loan to value. As a result, our only option would be to sit in our current loan for 1 to 2 years, make upgrades and have the home appraised before  consideration would be given to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
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:
I was first contacted by XXXX XXXX who called me from several different phone numbers, that were disconnected upon callback. I told XXXX that the debt they were attempting to collect was incorrect. He proceeded to tell me that he didnt care if I thought the amount was wrong, and if I didnt pay in full they would hurt my credit. I attempted to write this creditor and contact several times. After multiple failed attempts to receive documentation from the collector, they placed the item on my credit causing a triple digit decrease in credit score.

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 2019-01-29
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX .I have a few items of personal information on my file that is inaccurate First I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I am a business owner my company is XXXX XXXX XXXX XXXX XXXX XXXX. 
The following addresses are not accurate please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank Of America XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX The bank debit from my savings account the Amount of {$160.00} Without my consent and with any reason. 

Spent 5 days calling the bank customer service with no answers about this debit, actually they don't know why the bank is making this debit nor offering any solution about the stolen money. 

Keep calling them with no answers and no refund. The bank is steeling my money. I really need help on this. 

Thanks a lot advanced.

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 2018-02-02
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is not my debt, you have three diffrent collections against me for {$290.00}, {$320.00}, {$530.00} PLEASE REMOVE FROM MY CREDIT REPORT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am 100 % debt free and have been for years. 
A XXXX XXXX XXXX 
XXXX left a long message on my landline about my debt. I was going to call them but decided to check them on the internet. What I found was once a person calls them their calls become numerous. So I have turned off my answer machine because I think once the machine picks up it is recorded as a response. 
I do have caller ID. 
A XXXX XXXX . continues to call me. I want those calls to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been attempting to dispute fraudulent and incorrect information on my credit report with each of the bureaus. I provided additional documentation regarding a dispute and investigation request, and it has been over 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 explanation
Consumer complaint received 2017-12-08
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In Spring XXXX I contacted Navient to set up a fixed payment amount to be withdrawn via Navient 's XXXX program. Navient has failed to abide by the aforementioned and is withdrawing various amounts monthly. Due to Navient 's WORTHLESS website, I am no longer able to locate the correspondence confirming my request and Navient 's agreement to withdraw the fixed amount. I am beyond fed up with Navient 's " Live Customer Service Representatives '' who have absolutely NO idea what they are talking about, have never provided me with appropriate assistance, and have never fixed an issue which I have contacted them about. Someone needs to do something about this company ... we who initially borrowed from XXXX XXXX are being cheated BIG TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: URS Holding, LLC
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX I sent up a repayment agreement for the amount of {$5.00} a month for 9 months to get my student loans out of default with a company called alltran education , inc. XXXX XXXX  XXXX XXXX XXXX Il XXXX fax XXXX they took all 9 payments which I can show proof of and my loans are still in default after they took the 9th payment in XX/XX/XXXX. I was specifically told by XXXX XXXX that once my 9th payment was made that my loan would be taking out of default and my taxes wouldnt be taking and they now have been taking for the second time. 
I filled my XXXX taxes and was supposed to be sent to my bank on XX/XX/XXXX and I called and was told they were taken by the department of education/ alltran when I called the offset IRS number last year they gave me the collection agency alltrans number to call I called and sent up this payment and have way threw around the 3rd payment they tried changing the amount when I informed them I was out of work due to having to XXXX  they never sent me any new paper work to fill out what so ever they just kept taking my money for the payments ever month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Experian Information Solutions 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:
I did not authorize and do not recognize the following inquiries that now appear on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: FREEDOM FINANCIAL NETWORK
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have been applying online to get a personal loan for the past few days. I was contacted by a company called Freedom Plus and the number they called me from XXXX and the name he gave me was XXXX XXXX, he said I would be approved and he sent me the information via email. I went to the website freedomplus.com and everything seemed legit. Until he asked for my bank log in information to verify that my direct deposit which I have had to do with another loan spot so I went with it. Then he told me that he would call me back this morning. So I called my bank last night and noticed my debit cards were missing. They immediately transferred me to the Bank of America Fraud Department and said all my 3 of my accounts were being closed right away because the activity they see is definitely fraud so now I don't have any bank accounts and my XXXX money from the VA will just be sent back until I can open an account somewhere else. Please don't let them do this to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: EQUIFAX, INC.
State: WY
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:
Equifax and XXXX  should not be reporting me as a authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX incorrect balance, incorrect date opened ,incorrect last payment.

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