BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AP
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or around XX/XX/2020 when I attempted to use my online Banking with USAA Bank, a questionnaire " popped up '' stating information was missing or needed updating. I have been a customer with the bank for over 15 years. The questions included asking what my net worth was and what my annual income was. It was stated that the questions were required as compliance with the " Patriot Act. '' I stopped and did not finish the questionnaire as I felt it was getting too personal and an attempt at gathering marketing information. I called the bank and asked about the questionnaire and they told me again it was required due to the patriot act. I told the bank I had been a customer for over 15 years and I have nothing changed in the last few years and all this information had previously been provided. I asked why now I was being asked and the representative on the phone said I must have done something to trigger the questionnaire. I said I have done nothing. 

I followed up with emails on XX/XX/2020 ; XX/XX/2020 ; and XX/XX/2020 ; and asked each time what triggered the action. The contact site said they would respond back within 24 hours. I have not been responded to even once. I read the patriot act and it does not require my net worth or my annual income to be revealed to the bank. I feel I should be allowed to know what has triggered this action at the very least. Because I will not answer their personally intrusive questionnaire, I am unable to access the history and actions in my account to verify no charges are made on my account that I did not make. I am now being threatened with the closure of my account. 

Please let me know what exactly the Patriot Act requires a bank to gather.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I reached out to XXXX XXXX XXXX XXXX as I was in the process of buying a car. I previously used XXXX XXXX to purchase my previous car back in XXXX. In speaking with the loan agent she informed me that they would have to run a credit report on me. I asked what platform they used and I was informed Transunion. I can't stress this enough. She told me they used TransUnion. Upon checking my Transunion report ( attached ) I realized I qualified for the best rate with a score over XXXX. XXXX XXXX then ran my report and informed me that " Their Model '' came back with a score of XXXX. ( See attached - XXXX XXXX XXXX ). I informed her that she told me she was using Transunion. She then told me that they use a " different method ''. SHE LIED TO ME. It was a bait and switch. I lost out on the car. I never would have applied had she TOLD ME THE TRUTH. I have contracted Transunion and they are of XXXX  help. They keep telling me to go back to XXXX XXXX. When I contact XXXX XXXX they tell me I should contact Transunion. It's the definition of finger pointing.

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 2023-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I am making a formal complaint on capitol one bank for increasing my Apr on my all credit cards every couple of months without informing me. when I contacted customer service I was told that the rates are changed according to the XXXX XXXXXXXX XXXX XXXX XXXX. I would like to open an investigation and please justify this matter accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: VA
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 tried several times to have Equifax fix this with getting my credit report and score online through the MyEquifax portal. It continues to give the following error. Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
Just received my credit report on XXXX XXXX and seen unauthorized hard inquiries I would please liked them removed ASAP

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 2023-08-14
Company: Kikoff Inc.
State: NH
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:
Kikoff, gave me credit and didn't tell me in writing that I owed them money. They never told me I owed payments to them at all. They are totally deceptive have have fraudulent business practices. How could I pay them if they didn't send me a bill. I want the delinquent account from Kickoff taken off my credit report. I've paid my credit cards on time or in advance. 
Please don't let this corrupt business harm me and other Americans. We deserve fair businesses. And, Kikoff is not fair. There fraudulent and totally unjust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
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: Account status incorrect

Complaint:
XXXX XXXX was charged off without giving me a creditor to pay or contact. Now, I have a negative item I am unable to remove or pay. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: EQUIFAX, INC.
State: VA
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: Problem with personal statement of dispute

Complaint:
Trying to remove disputes with XXXX and Equifax is beyond difficult. 

Agents have different answers and cant seem to fix anything correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2019-07-30
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
collection of legal expenses and other charges without presenting evidence of valid proof of claim for these charges. They only quote it but they don't show it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Credit Plus 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:
I am in the process of purchasing a home and my credit report shows a " Collections Accounts '' section that includes a closed XXXX account. I was billed, and the account was closed and paid in full in XX/XX/2017, which is reflected on the credit report. This Collections Report is showing damage to my credit and to the purchase of a property for my XXXX I am including a copy of my final bill and payment as proof from the receipts in my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
In XXXX, I contacted XXXX XXXX XXXX XXXX  to see what options were available so that I would not have my house go into foreclosure. They failed to provide accurate information regarding workout options and foreclosure information. I asked about what options were open for me. They told me that I could not do a loan modification, Deed-in-lieu, Short-sale, or refinance. Different told me different things when I called the XXXX XXXX XXXX XXXX XXXX  department so options were told that they were unavailable to me and then they were, or I was too late because of the misinformation. I hired 3 different estate agents who listed the house. I had 2 people who made offers to buy the property for a percentage but, the bank refused saying that it was not enough. one offer was for {$18000.00} and the other was for {$30000.00}. Agents told me that many people didn't put in offers because the garage that is located near the property did not come with the house. So with no acceptable offers, the property went into foreclosure and in XX/XX/XXXX it was sold for {$24000.00}. The mortgage never included the garage located near the property but, as of XX/XX/XXXX, there was a survey completed showing that the garage is actually part of the property. The garage was never insured and only used 1 stall of the garage being that the other stall was used by the owner of other property, and believed to be owned by the owner of other nearby property that shares driveway next to the property. The power is connected to the other property. The garage was never included on the mortgage or appraisal for the mortgage. XXXX XXXX XXXX XXXX did not work with me or provide accurate information regarding workout options which have resulted in foreclosure on my credit report and preventing me from getting another home for me and my family.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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:
Account was closed and reporting the wrong information on 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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-01-25
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am requesting the CFPB to intervene in hopes to come to some resolution with Suntrust Bank. Since falling past due on my mortgage I had reached out to Suntrust right away and have been working with Suntrust for almost 2 years now. I have submitted numerous packages for assistance and each time Suntrust has denied my request for mortgage assistance each time shifting the blamed it many bogus reasons. Most recently I submitted on XX/XX/XXXX and was denied on XX/XX/XXXX. Per the Suntrust the file was declined because the income they used was {$6700.00} but when I sent them my proof of income and financial worksheet along with P & L as requested the income I provided was {$8600.00}. 
I went as far as sending them the following letter for appeal and request for the NPV results showing how they came to their calculations but upto this date they have not provided me with the NPV denial results and issued me foreclosure sale date on my home for XX/XX/XXXX. 

This issue with Suntrust is not the first time they have used incorrect income and refuse to provide me with the denial NPV results. 

I have even Offred {$20000.00} towards the delinquent amount in hopes to come to a resolutions, Suntrust has been in violation of dual tracking Respa and Tila laws but refuse to help. 

Fax to Loss Mitigation Appeal Dept XXXX Denial Dispute - I XXXX XXXX are writing this letter to dispute the invalid reason for denial on my loan modification request. Per the denial information the reason for denial is the income used to make this decision was Net income of {$6700.00}, this income is not correct! The income I presented and on the financial forms, bank statements and Profit & Loss shows my income at Net {$8600.00} I'm asking SunTrust to properly review my financials to be reviewed again for assistance. I am asking SunTrust to place the amount I owe to the end of the loan so that I can continue with my payments. Even if the loan payments go up that's okay, I just need to save my home for my kids. Please help me. 

I am resending the documents attached that where last previously present for further review.

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 2022-06-28
Company: EQUIFAX, INC.
State: NJ
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 XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: American Credit Acceptance, LLC
State: TN
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account with out my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open rnd consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans went from the Educational Department to XXXX XXXX, and when I applied for PSLF to FedLoan Servicer. I had to start over again as my repayment plan was not that one that was excepted. How did they not catch that? So, at almost {$400.00} a month I decided not to go back on the income based plan. 
I found out about the the Temporary Expanded PSLF, and even though FedLoan Servicing actually holds my student loans, I was notified that their records show that ; " Our records show that you have not submitted a PSLF application to date ''. I am just one guy that has worked for the XXXX XXXX XXXX for a little over 10 years. I can make it though. However, is this shady practice of how the ED works effecting our educators and public service providers as well?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
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:
On XX/XX/18 I applied for a XXXX XXXX credit card on line through XXXX XXXX. A credit report was pulled and I was denied due to the fact I didn't have an active cell phone at the time for some sort of verification. This policy was not disclosed at the time of my application thus pulling a Fraudulent credit report by XXXX XXXX. I was instructed to go to the store for verification and processing. On XX/XX/18 I did so and was approved for a {$500.00} dollar limit. My purchase was for a higher amount and I requested a credit line increase at the time. The operator at XXXX XXXX said she would have to look at my report to make a determination. I was told multiple times that the conversation was being recorded. I told the operator that if it required a second credit report being pulled that I would not be interested in the increase. She assured me that this would not be necessary. My credit line was increased to {$2500.00} and the next day was informed by XXXX XXXX that I had a second report pulled. I tried a dispute with Equifax and twice with XXXX XXXX XXXX  and was told that it was accurate and that there was nothing that could be done about it. I contend that XXXX XXXX  credit process is Fraudulent and they pulled 2 credit reports against my direct verbal recorded instructions. This is another example of a big bank running over a small consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/ I financed a car through Capital One, at the XXXXXXXX XXXX XXXX in XXXX where I was prequalified for an auto loan with Capital One. I allowed XXXX to know that I was prequalified with Capital One and that I didn't want any other companies to run my credit. Firstly, I received hard inquiries from companies I did not authorize. Secondly, the purchase price of the car was {$14000.00}. I put a down payment of {$1800.00} ( which is illegal pursuant to 15 USC 1605 ) which brought the purchase price down to {$12000.00}. XXXX XXXX attached erroneous fees that brought the Total due to {$16000.00}. I exited the dealership with my vehicle believing my total financed was {$16000.00}. I looked in my Capital One app at the amount financed, and saw an amount of {$19000.00}. I realised that this was a fraudulent loan. XXXX stole {$3000.00} more on top of the other close to {$2000.00} of erroneous charges. The total of the whole pay off on the loan is {$30000.00}, which is a ridiculous amount for a {$12000.00} car. I requested to see the contract between myself and Capital One, and Capital One refused to provide me with a copy of my contract.

Company response to consumer: Closed with explanation