BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-28
Company: Experian Information Solutions 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:
XXXX XXXX XXXX  Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$6700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$7700.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$7700.00} Times 30/60/90 Days Late XXXX Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX XXXX   Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$24000.00} Term -- Monthly Payment -- Responsibility Joint Account Balance {$26000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$26000.00} Times 30/60/90 Days Late XXXX Remarks XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account all filed to the ftc

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 2020-06-28
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:
XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$6700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$7700.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$7700.00} Times 30/60/90 Days Late XXXX Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX XXXX   Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$24000.00} Term -- Monthly Payment -- Responsibility Joint Account Balance {$26000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$26000.00} Times 30/60/90 Days Late XXXX Remarks XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account all filed to the ftc

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681.

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 an 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 1681 s-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. 

XXXX XXXX XXXX- ACCOUNT NUMBER- 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 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Hi, Capital One closed my credit card account and threatened me for law suit. I had a Capital One credit card during the Covid lock down. Since impacted by the Covid locked down, my hours were reduced. I missed 2 payments and Capital One closed my account and demand me to pay the full amount. That's given I did make up the late payments which they charged my all kind of late fees on. This is not right that we are being treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Specialized Loan Servicing Holdings LLC
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I used Specialized Loan Servicing to apply for a HELOC in XXXX. This XX/XX/XXXX I paid the loan completely. When SLS promised to send to my XXXX XXXX XXXX XXXX of Minnesota ) a satisfaction notice, they did not do it. First they promised me that it would be sent in 45 days, then 90 days, but as of today ( over 100 days since the loan has been paid off XXXX XXXX XXXX says that they still have not received the notice of satisfaction, so the lien on my property remains and I am unable to sell my house. 

Whenever I call SLS they have no real answers for me and no manager to speak with. They often send my call to the " escalation department '' that also has no answer for me. I am beyond frustrated because we can't sell our home.

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 2019-03-26
Company: EQUIFAX, INC.
State: NM
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:
Hi, I am a victim of identity theft, and I am requesting that all of the information be removed or blocked immediately. The attached report from identitytheft.gov is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$6700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$7700.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$7700.00} Times 30/60/90 Days Late XXXX Remarks Charged off account XX/XX/XXXX Creditor Name XXXX XXXX XXXX   Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$24000.00} Term -- Monthly Payment -- Responsibility Joint Account Balance {$26000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$26000.00} Times 30/60/90 Days Late XXXX Remarks XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$23000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$24000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$24000.00} Times 30/60/90 Days Late XXXX Remarks Account closed at consumers request Charged off account all filed to the ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: PA
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:
Inquiries on my report that I did not give written content to access my credit report. This is a violation of 15 usc 1681b, 15 usc 1692e, 15 usc 1692c, 15 usc 1692d and constitutes identity theft under 18 USC 1028. Remove all accounts from my credit report XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Finance other than personal Inquiry date : XX/XX/XXXX XXXX Banks and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXXXXXX XXXX XXXXXXXX Banks and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have the same error on my XXXX credit report, and my XXXX   credit report. Equifax won't give me my credit report online because they can't identify that I'm the same person because they have my information completely wrong. 

This error is part of an account that is NOT mine. Me and my father have a similar name, and these credit reports blatantly show that and even have my birth year completely wrong and also show that I use multiple different names. 

The account name is XXXX XXXX, and the past due amount says {$870.00} dollars on my credit reports. XXXX  and XXXX state that this account has been opened on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: ALLY FINANCIAL INC.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally auto financial granted me a extension on my car loan due to the Covid 19 pandemic. I received a letter stating my loan will be extended for 120 days. 
Ally did NOT stand by their word. The extension has NOT been applied to my account. I have contacted allys customer service more than 7 times. Each time I was given a different excuse. I was hung up on 4 times, I asked to speak to a manager, I was hung up on. I was shamed for needing the extension, asked if I couldnt afford my car and told my extension should have never been granted and asked who was driving my car. I told the employees each time I had not worked in 3 months due to the pandemic. 
I have tried everything I know to do to get my extension. Ally has given me their word ( I have a letter ) I could have 120 days without a payment. They are cruel for giving me false hope. If thats not bad enough my credit is being ruined because I cant afford to make my payment due to not working because of the pandemic. 
I am disgusted a company could XXXX their customers over during a pandemic. 
They should be ashamed. Their behavior is inexcusable and just straight up cruel.

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 2018-10-18
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
XXXX reported a late payment which is negatively affecting my credit score.

This was one a rarely used credit card with electronic billing and was used in error. Once informed of the late payment, it was paid within 6 hours.

With over 25 years of credit history, my report has always been at the highest level and covers $ 100s of thousands of issued credit. 

The charge was for {$270.00}. 

I asked the bank to re-consider the credit reporting as the lengthy impact to my credit is not commensurate with the level of infraction. 

My request is that the late payment is pulled from the credit agencies. 

Thank you.

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 2019-03-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX put a fraud alert on my file without my permission. Then they sent the alert to other credit bureaus. 

I tried to get them to take it off but they didn't have a contact number other than the one I used to what they claimed to call to take a freeze off or fraud. 

When you call the number you don't get a person only a machine asking you questions to verify or the machine hangs up on you. 

I answered the questions waiting to make a freeze selection that never happened and once it collects your information it tells you it just completed a fraud alert and that it would share that information with all the other credit bureaus. 
I called Equifax to find out if there was a freeze alert or fraud alert and could not get a straight answer from them. 

I called XXXX and they have my file in some special handling department that I didn't authorize and when I found out about it in XX/XX/XXXX or XX/XX/XXXX When they could not tell me why. 

I told them to take my file out of that department after speaking to several managers and supervisors. They assured me my file was removed but I've contacted them several times and each time since XX/XX/XXXX to now my file is still in that specisl department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Shellpoint currently holds the mortgage lien. This was a second mortgage that was initiated in XXXX. The original mortgage holder, XXXX, accelerated the mortgage in XXXX and demanded full payment. It refused to accept past due amounts and told us that the new maturity date was no longer XXXX ( a sixteen year mortgage ) but that the maturity date was now XXXX and all amounts were due and payable. The mortgage was transferred to XXXX XXXX in XXXX. They also demanded full payment. It was transferred again to Ditech in XXXX  and full payment was again demanded. Ditech transferred to Shellpoint in early XXXX. Shellpoint did not notify us of its servicing until XX/XX/XXXX when we sought a release of the underlying lien. Shellpoint refuses to release the lien even though this is a time-barred debt under Indiana law . It is illegally blocking our intent to transfer our real estate to a buyer.

Shellpoint can not provide any payment history from previous servicers. It is also conveniently unable to provide documentation of correspondence from XXXX changing the terms of the mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My husband and I co-signed on a private student loan with then ( Sallie Mae ), now Navient.

I have tried numerous times to contact them to have them change incorrect information our credit report. Navient posted that the loan was written off at {$7200.00}. However, my son actually is working with a loan consolidation agency, and Navient agreed to a {$5500.00}. Therefore the loan was not defaulted for {$7200.00}, it was deducted and paid for {$5500.00}. When I try to contact Navient to have our credit reports corrected, they repeatedly state that we are not even in their system. I also have tried to access our account through their online system, and a message there also states that our account can not be found. This is extremely frustrating because our report will never be corrected if according to Navient we don't even exist, nor ever had an account with them. How can this issue be corrected. This derogatory note has directly affected our credit. Please advise on hour to resolve this issue. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is a report on behalf of XXXX XXXX XXXX, XXXX On XX/XX/2021 someone got access to our newly opened business checking account # Ending XXXX which was open less than 10 days prior to this incident and transferred {$19.00} out of it to a party listed as ''XXXX '' We did not initiate this transaction nor has anyone been given the authorization to make this transfer.XXXX XXXXXXXX XXXX XXXX or its managers, members, or employees never had any transaction done with this person. Bank Of America does not seem to have any urgency to investigate and return the stolen money, this transaction was reported at the exact minute that it was happening and Bank Of America did not stop the transfer alleging that it could not stop a money transfer in progress. I filled the report with the bank promptly on the XXXX of XXXX report # XXXX and on XXXX the XXXX as well report # XXXX. XXXX XXXX XXXX, XXXX did not initiate this transfer it is a fraud as previously reported to our local Police Report XXXX. Please take action, Thank you 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 monetary relief
Consumer complaint received 2020-06-28
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I was over charged for moving services by {$250.00}. I submitted all documentation, including the math and proof that they could not have preformed the amount of work they claimed to because they could only have worked ~4 hours because the storage place CLOSED. I submitted proof of arrival time via SMS and the closing hours of the storage place, as well as the closing hours to prove they could not have possibly earned the amount they charged, I've never even gotten an itemized receipt and the vendor is non-responsive. 

Instead of responding to my second dispute, the vendor UNAUTHORIZED charge my card for the {$250.00} again, I called Chase and they had me main in my request and documentation. I paid {$27.00} for USPS 2-day priority and have confirmation that arrived at their PO box . 

I have not heard from them in 2 weeks, despite numerous attempts to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: MS
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:
Experian, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts 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