BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: GA
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:
Sending this complaint as a guarantee to make sure that these XXXX remaining fraudulent inquiries will be removed from my credit reports. I have sent a complaint pertaining this issue dated XX/XX/XXXX, and I am sending another complaint again to make sure that these inquiries be removed within XXXX  days time. Requesting the Experian and XXXX Credit Bureaus to please see the inquiries listed in this complaint for removal : EXPERIAN : 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 2023-06-04
Company: EQUIFAX, 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:
Hi, I am not familiar with the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am a victim of identity theft. I have attached my affidavit from the ftc website.

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 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
There is a collection with Transunion XXXX XXXX that was previously disputed and removed from the credit report over a year and a half ago. It was later added back to my credit report only on Transunion not the other credit bureaus with no notice to me. 

The legal restrictions against the reinsertion of previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ), and apply only to those situations where the information was previously deleted based on a finding in a dispute that the information was inaccurate, incomplete, or could not be verified.

If that situation applies, then the party requesting reinsertion must provide a " certification of accuracy '' to the CRA, certifying that the information is, in fact, " complete and accurate. '' The CRA rules on the adequacy of such certifications. If the CRA accepts the certification, they can immediately reinsert the information. However, they must, within 5 business days of their reinsertion, send you written notice to that effect, and notice that you have the right to place a statement in your credit file disputing the accuracy and completeness of the information.

Bottom line is that if the information was deleted as a result of a prior dispute, and either the furnisher did not provide the required certification to the CRA, or the CRA did not provide a notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( 5 ) ( B ).

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 2020-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Capital One had a breach last year as part of its using web and security services hosted by XXXX. They haven't learned anything from this breach! On XX/XX/2020 I placed an order on XXXX using my husband 's account, which has my credit card as one of the cards attached. As I was checking out, XXXX suggested I use my {$23.00} in available rewards to make my purchase. This means that XXXX has access to see my Capital One credit card account. This access is an invasion of my privacy and Capital One is allowing it to happen! If XXXX can have access to my credit card information, they may also have access to my checking, savings and credit report that Capital One has. This is very disturbing and shows that Capital One is very lax on security. XXXX will take everything it has access to and they need to be regulated. 
Thank you for any help and regulation you can put forth regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: ROBINHOOD MARKETS 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 sent 4 emails to ask Robin Hood to close my account and transfer balance out to a bank account. They never replied nor help. No Customer Service phone number is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I deposited a check into my chime account from XXXX XXXX 's and then moved to a different City... 
The check was for XXXX On XX/XX/XXXX at XXXX I got an email from my chime account saying the check was paid twice and they took the money out of my account making it negative ... 5 months later ... How? If someone found my physical check and tried to cash it when I moved, how is MY ACCOUNT penalized... 
I have sent chime screenshots of the only deposit on my end and they confirmed that they only see 1 deposit on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Bread Financial Holdings, Inc.
State: CA
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/XXXX I notified XXXX XXXX XXXX for XXXX XXXX XXXX credit card that they had incorrectly reported a 30 day late in XX/XX/XXXX to XXXX credit bureau. I also filed a report with XXXX. XXXX did not respond, however, XXXX XXXX XXXX responded via letter stating that they found the XXXX XXXX XXXX credit card is not being reported to the credit reporting agencies. This is in fact a lie because my XXXX credit report shows they reported a 30 day late in XX/XX/XXXX and I am an authorized user on the account with details of payments being made. The account has never been 30 days late in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX claims that I owe money from a student loan I took out in XXXX with XXXX XXXX/My Rich Uncle/XXXX XXXX. They sent me a letter on XX/XX/XXXX stating that if I do not dispute this debt within 30 days they will take legal action. According to Indiana and New York State laws the statute of limitations on contracts for money or with a promissory note is 6 years. The last payment I allegedly made, according to their loan servicer, XXXX  XXXX XXXX, was on XX/XX/XXXX. I do not recall nor have been shown any evidence that I made contact with the company since that time ( they claim in their complaint that I have had contact with them ). I should add that I have never ( to my knowledge ) spoken to XXXX. They did not give me 30 business days to dispute the debt before filing suit. I made an attempt to dispute the debt via certified letter, to the address that was on the letter they sent to me, on XX/XX/XXXX that was not responded to ( they received the first notice on XX/XX/XXXX that the letter needed to be picked up and signed for and they received a second notice on XX/XX/XXXX ). I received notice of a summons and complaint in my mailbox on XX/XX/XXXX. I believe this lawsuit is time barred by law and that sending the initial letter stating they would take legal action as well as not allowing thirty days to dispute the debt is a violation of the Fair Debt Collection Practices Act. Additionally, the summons sent was improperly served upon me and has not been followed with a certified letter per Indiana Trial Procedure. The case is not in the Odessey Case Management System where all such court cases are available to the public on the internet. Younomics has a suspicious relationship with XXXX XXXX/XXXX/My Rich Uncle, which are now defunct organizations/financial institutions ( as of XXXX ). Their loan servicing company is a subsidy or partner with XXXX XXXX which was involved in a lawsuit with National Collegiate Student Loan Trust, who was forced to forgive or pay back millions of dollars to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX Balance : {$220.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$43.00} Date Opened : XX/XX/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 2015-06-29
Company: RoundPoint Mortgage Servicing LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company did not pay my homeowners insurance ; and, now my policy has lapsed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: The CBE Group, Inc.
State: CO
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 had a delinquent account with XXXX XXXX XXXX and the account was sent to CBE Group for collections. I sent a payment to the company via money order and the company did n't receive it or denies receiving the payment. I contacted XXXX XXXX XXXX directly  and submitted several payments until the debt was paid in full in XX/XX/XXXX. 

CBE ( XXXX ) XXXX, and XXXX ( XXXX ) XXXX both continue to report the bill as delinquent. On XX/XX/XXXX, I sent them both copies of money orders proving the bill was paid, but the account is still reported as delinquent. 

I contacted XXXX XXXX XXXX, Closing Bill Unit, ( XXXX ) XXXX, on XX/XX/XXXX, and was informed that the account was released from CBE in XX/XX/XXXX, and XXXX XXXX XXXX submitted another request to have my account updated on XX/XX/XXXX. 

I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried to use my card on XX/XX/XXXX in XXXX XXXX for about {$11.00} and Bank of America blocked my card. Unfortunately, being in rural XXXX XXXX, I was not able to immediately call and try to authorize the charge. When I was able to get to a place with cell phone reception, I called Bank of America and they refused to unblock my card unless I came into a financial center. This is not possible as I am in XXXX XXXX and they do not have centers in XXXX XXXX. I am not able to return to the US until XX/XX/XXXX. 

I alerted the agent to this problem and asked to speak to a supervisor and I was refused that request as well. I further explained that I had a balance on the card that needs to be paid, but that I can not do that as long as the card is blocked. The agent provided a phone number to an automated phone payment system, but I am not able to access that either as long as the card is blocked ( redirected back to the fraud center automatically ). A further chat with a new agent further confirmed that I have no way to make a payment on the card currently, but am liable for the payment and will receive fines and fees if I do not pay 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 2021-11-18
Company: Experian Information Solutions Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Sometime early this year I began to receive emails harassing me and threatening to slang my social security and other private information saying I owe for a loan back in 2020 amount which they say I borrowed from the company was {$500.00}. When I ask for the company they cant provide it or any info proven its me. Also I received text messages reading XXXX from XXXX ( XXXX ) XXXX XXXX transactions, for {$1000.00} cIeared on, XX/XX/XXXX. lf this wasn't you, go here XXXX XXXX XXXX but address ends with my phone number when I tap on address it follows by saying ( XXXX XXXX has been beached )

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 2023-06-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
While enrolled at XXXX XXXXXXXX XXXX in 2004 and was pushed to get private loan instead of fed loans. Now under the law sue of of sweet vs cardona i had me fed loans remove but cant get private one taken off. Navient became my service provider and as of today owe {$56000.00}. I was not properly explain the ramification of placing my loans on forbearance. I place my loans on forbearance multiple time. This lead me to exhausted forbearance. Because of this evetime i ask for any financial assistance they tell me to ask family members or ask my elderly mother for money. I made statement like " it sound like you want me to life on the street just to pay this deed and they reply that well i bowered the money and need to pay it back. This people have no heart or compassion for anything except their money please help me with this..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had open a checking account in XXXX, Minnesota. The account was over drawn by myself at first as I was homeless. I would pay the {$35.00} fee plus the amount of the check. The problem was a banker said the checks went in the same day within minutes but the company XXXX said it was taken by law enforcement. The checks I put in to help cover the amount was not the same as a regular checking company. So a woman from XXXX XXXX banked locally in XXXX, Minnesota and her bank check was from some other banking company she never heard of. Then people claimed I was rich online recently when I am poor. I found out in XX/XX/XXXX the bank cleared checks from " XXXX  XXXX XXXX  '' that was in my account. I also discovered that the account was all payteck fees and I was hit several times. The checks go in constantly and are bounced but I get hit with payteck like 3-4 or more times per check. Under Iowa laws it's legal but in Minnesota it's not legal. I moved to Minnesota in XXXX so I was a legal resident.

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 2021-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The following phone numbers, employers and addresses do not belong to me remove them immediately : Numbers : XXXX XXXX Employers : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX La XXXX XXXX XXXX XXXX, XXXX la, XXXX XXXX XXXX XXXX, XXXX, LA 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 2021-11-18
Company: EQUIFAX, INC.
State: LA
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 have never lived at any of the addresses that are reporting onto my consumer reports please remove them immediately : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: SN SERVICING CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We try to submit a modification packet every month but the bank continues to decline by asking for a 6 months profit an loss statement which we provide every time. It seems like they simply don't want to modify the loan. All of the requested conditions by the bank were met by us and we update the packet every month, and all they do is look for reasons to decline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: PA
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 just got a credit card bill the week of XX/XX/2022 and noticed that my credit score had dropped precipitously from the XXXX down to XXXX. I checked the credit reports and saw that XXXX XXXX Credit Card is marking my disputed {$430.00} in interest an non-payment. THEY HAVE NO RIGHT TO MARK ME AS DELINQUESNT WHEN I AM WORKING ON A DISPUTE WITH YOU. They must reverse this immediately. The CFPB is supposed to be a safe space when big corporations are taking advantage of consumers. This is yet another way XXXX XXXX is hurting its retail customers. They are unbelievable.

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 2023-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit reporting 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:
After reviewing my consumer report, I have found several inaccuracies and accounts. There are multiple hard inquiries that have not been authorized by me according to the FCRA 15 USC 1681 et section 604. My only name is XXXX XXXX XXXX, not XXXX. 
Hard Inquiry Names that are listed under XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX do not belong to me. These inquiries are not tied to any accounts opened by XXXX XXXX. Please remove the following hard inquiries from all 3 consumer reporting agencies, XXXX, XXXX, and XXXX in accordance with the 15 USC 1681 et section 604 immediately : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Services Date : XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Lentegrity Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX XXXX- XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX and XX/XX/XXXX XXXX, XXXX Date ; XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief