BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX Account # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # 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 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 2021-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent out via certified mail to creditors that showed inquiries on my credit report that were not authorized by me. Dozens of letters and I received back the postage that they were all signed for and had been relieved by XX/XX/XXXX. I did not hear from any of them. I then sent a letter to the credit bureaus. I wanted longer than 30 days and on XX/XX/XXXX sent of via ferried mail, letter to each of the 3 credit bureaus. All 3 received by XX/XX/XXXX. I have yet to hear back and when I called today, all 3 customer service reps stated that they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My consumer right has been violated by capital one. Due to COVID-19, Ive had the time to do some research, and I the consumer have come across Title 15 U.S.C. I, l am hereby am notifying you, CAPITAL ONE that after all these years of paying my credit card bill in cash/Debit card I realized the coupon attached to my statement was indeed a form of payment. I looked up the correct definition of a Coupon pursuant to The XXXX law dictionary A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached On XX/XX/2022, I sent a certified letter ( XXXX XXXX XXXX XXXX XXXX ) to Capital One explaining this to them and demanded that they return all payments made to them, and to accept the coupon/money order payment/discharge in accordance with Title 15 U. S.C. 1692. They have ignored my demands. 

I am asking the CFPB to step in and help to enforce my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
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:
I had a credit card with XXXX that I was not actively using ( I have since cancelled this card ). In XX/XX/XXXX they charged me for an annual fee that I was not expecting. I had not paid an annual fee when opening the account in XX/XX/XXXX so either this was waived for the first year or they later started charging an annual fee. I never received a bill for this charge. In XX/XX/XXXX I used the card for the first time and later in that same month I received a bill / late notice from XXXX in the mail. I was shocked at this because I thought this was somehow for the charge I put on the card earlier in the month. I immediately paid the bill including the interest and late charge by doing a wire transfer. 

In XX/XX/XXXX I checked my credit and was shocked at seeing my credit score 80 points lower than last time I checked. I then discovered that the reason was the late payment on this credit card. I called XXXX to find out what this was about and how to correct it and was basically told that nothing could be done. 

I then started a dispute with each of the three credit bureaus. I explained the situation, and that I could not understand how I could be considered late for not paying a bill that I was unaware of ( the annual fee ) and that I never received a copy of ( no paper statement, no email ). I further explained, as they can see, that I have never had a late payment in over 30 years of credit history. The answer back from each of the credit bureaus is that they contacted XXXX and were told that the report was correct, so they were not going to change anything. 

It seems to me that the dispute path is just a waste of time if all they do is ask the company if they are right and ignore the fact that I take issue with how the company mishandled the situation. 

I don't see how someone can be late on a payment for a bill they are unaware of. 

I have include a copy of the bill from the day I received and a copy of the wire transfer that was performed on that same day.

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 2017-09-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased a new XXXX XXXX XXXX which was financed through Wells Fargo at 4.99 % and I was told that after XXXX year I could refinance to lower my payments. Yesterday I called them to refinance and they told me that they could lower the payment from {$560.00} to {$540.00} but the rate would be 7 %. This does not really provide me with any options. The {$560.00} payment is too high. The folks that I spoke with were very non empathetic and gave me the impression that they could not care less about my situation and there was no attempt to try and resolve this issue. 
I have run into hard time and had to move into a place with a higher rent and so I do n't have the disposable income that I originally had to pay this high payment. All I am asking for is a reduction that will help me stabalize

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 2019-07-16
Company: Specialized Loan Servicing Holdings LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a co-applicant on a mortgage with Specialized loan services. They purchased our previous loan. I am not and have never been late. They have added forced insurance even though we have always had insurance. I have attempted numerous times to send them the policy. They continue to say they have not received it. I did an online search and this is a predatory practice for them nationwide. People are losing their homes. The forced insurance is {$8000.00} per year. There is no email, only a fax number and therefore no way to document anything. 

XXXX Specialized loan services XXXX SS # last four of co-applicant XXXX XXXX Acct. # XXXX XXXX XXXX XXXX XXXX XXXX, In. XXXX is property address on file

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 2020-02-25
Company: EQUIFAX, 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:
I had a credit card with XXXX that I was not actively using ( I have since cancelled this card ). In XX/XX/XXXX they charged me for an annual fee that I was not expecting. I had not paid an annual fee when opening the account in XX/XX/XXXX so either this was waived for the first year or they later started charging an annual fee. I never received a bill for this charge. In XX/XX/XXXXI used the card for the first time and later in that same month I received a bill / late notice from XXXX in the mail. I was shocked at this because I thought this was somehow for the charge I put on the card earlier in the month. I immediately paid the bill including the interest and late charge by doing a wire transfer. 

In XX/XX/XXXX I checked my credit and was shocked at seeing my credit score 80 points lower than last time I checked. I then discovered that the reason was the late payment on this credit card. I called XXXX to find out what this was about and how to correct it and was basically told that nothing could be done. 

I then started a dispute with each of the three credit bureaus. I explained the situation, and that I could not understand how I could be considered late for not paying a bill that I was unaware of ( the annual fee ) and that I never received a copy of ( no paper statement, no email ). I further explained, as they can see, that I have never had a late payment in over 30 years of credit history. The answer back from each of the credit bureaus is that they contacted XXXX and were told that the report was correct, so they were not going to change anything. 

It seems to me that the dispute path is just a waste of time if all they do is ask the company if they are right and ignore the fact that I take issue with how the company mishandled the situation. 

I don't see how someone can be late on a payment for a bill they are unaware of. 

I have include a copy of the bill from the day I received and a copy of the wire transfer that was performed on that same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XXXX, XXXX a check in the amount of XXXX was mailed to Home Depot. However, I continued to get phone calls regarding non-payment on the account. I explained on multiple occasions that I had mailed a check on XXXX XXXX. After continued calls, I faxed a copy of the check to Home Depot offices. On this copy, I stated all pertinent information such as date mailed and account number, my name, address, and phone number. The calls continued! On XXXX XXXX or XXXX, I called and asked to speak to a supervisor to try to explain the situation ( check sent but not posted or cashed ). The supervisor said he could stop the ( harassing ) phone calls for 4 days. On Saturday, XXXX XXXX, I began to receive phone calls again regarding this account. At this time, I decided ( it was also recommended by the Home Depot representative ) it would be best to put a stop payment on the check and have a new one issued. On Monday, XXXX XXXX, I did have a stop payment issued in order to send a new check in the event that the first really was lost. Upon calling to get an accurate mailing address, I am advised by the robot that I have a balance of {$0.00}. Again, I ask to speak to a supervisor and I was informed that the check was posted to my account on the XXXX of XXXX. Why was I receiving calls as late as the XXXX? Although the check was posted, it had not been deposited. Upon deposit the check could no longer be honored as stop payment had been requested. A new check was sent immediately. As a consequence, Home Depot has reported me as being over 30 days late in payment. All attempts to rectify this with Home Depot and correct the credit report has been in vain. Furthermore, My account balance is now XXXX dollars and change with no further charges having been made.

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 2022-01-05
Company: AMERICAN EXPRESS COMPANY
State: AL
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:
Around the start of XXXX XXXX Applied for an american Express gold card as a natural person and was denied. I called numerous times to figure out why, and the ONLY reason i got ( also received in multiple letters ) was that there was no credit score and no undisputed claims exist on my report. I was told to fax information regarding a reconsideration nd was still denied. 
American Express has violated my rights to credit as a natural person. and failed yo uphold the Truth in Lending. They fiegned being a " creditor '' but can not loan credit or money persuant to 12 USC 83.

Also violating 31 CFR 306.11 ( a ) ( 1 ) creating commercial paper using my social security number ( open ended credit plan ) which can also be construed as identity theft because i recieved no benefit from the use of my social as required by law. There, s a hard inquiry on my reports as well to support the use of my SSN.

Congress has declared that it is a grave thing for proper information regarding credit be given to consumers to restore the faith in the economy. American Express has violated my right to credit as a consumer and natural person. American express has damaged my reputation and caused harm to my name by posting on my consumer credit file which bears the worthiness of my name. American express also violated the free credit reporting act by using my credit report in whole or in part of their adverse action and failed to provide a numerical reference. 
They lied in their responses saying they have rights to view my consumer reports. How is this legal without a subpeona or permission from me? 

I was violated and American Express has been no help. They tell me the laws don't apply. They said there is nothing they could do after I sent them the applicable laws. 

My reputation and RIGHT to credit are being trampled on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Social Finance, Inc.
State: KY
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:
Someone set up a fake line of credit with SOFI Lending Corp. That person hacked my checking account with XXXX Bank XXXX I saw the fraudulent charges and notified XXXX. They reimbursed my account but fraudulent charges kept happening so I had XXXX close my account. 

I then discovered that my credit report was damaged. I contacted SOFI and filed a fraud complaint with them. They told me they determined it was fraudulent. I have since sent them all the info they requested so my credit could be cleared up including a police report, copy of my drivers license, etc. 

SOFI has not cleared up my credit yet. I have checked with the major credit reporting companies. I need help correcting the problem that SOFI caused by allowing someone other then me to take out an account under my identity. SOFI shows a past due on my credit report of over {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: IL
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:
Equifax has violated my Federally Protected Consumer Rights by furnishing inaccurate information on my consumer report without my consent. 
Equifax, did not exercise their grave responsibilities. 
They were unfair, partial and did not respect my rights to privacy. I never instructed Equifax to furnish this report or create this report, I NEVER CONSENTED TO THIS REPORT IN THE FIRST PLACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a collection on my  XXXX ,  XXXX ,   XXXX   of {$250.00} that was paid in full around  2009 .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: NY
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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Experian Information Solutions Inc.
State: NC
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:
All negative accounts on experian report is fraudulent with no proof of ownership.also all 17 inquiries. 
XXXX  is also exploting fraudulent accounts with no proof of ownership.also inquiries.

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 2017-08-03
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Caliber Home Loan. I have an automatic recurring payment set up so my payments are automatically made XXXX of every month. This XX/XX/XXXX, I changed my recurring payment to twice a month because my salary is paid twice a month. Since interests are calculated with daily accrual, I thought it would save some money. However, Caliber held on to the payment that was made on XX/XX/XXXX and applied the payment with the next payment on the XXXX of the following month. I was surprised by that and I thought that was an inefficient use of cash. So in XX/XX/XXXX, I changed the automatic payment back to once a month expecting it would either make a payment on XX/XX/XXXX or make two payments in XX/XX/XXXX and start making one payments per month from XX/XX/XXXX. However, it skipped XX/XX/XXXX 's payment entirely and made one payment in XX/XX/XXXX. As a result, I was charged with a late fee and potentially I will see a delinquency on my credit report. This is insane. I paid the delinquent amount back immediately on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I enrolled in automatic payments for my student loans with Navient a year ago. 
Navient advertised 1 % interest rate reduction for enrolling. 
There was no disclaimer ( unless it was buried in fine print ) indicating that the loan source, or type, or the loan guarantor determined eligibility for the interest rate reduction. 
I spoke with someone at Navient today, and they told me that I did not receive the interest rate reduction during the period my loan was on automatic payment because the guarantor was ineligible. 
I have been unable to receive adequate assistance from Navient in this matter and with the servicing of my loans since they began repayment. 
I had assistance from U.S. Department of Education Ombudsman group in getting this set up about a year ago, and felt comfortable with my arrangement. 
I have received paperwork from Navient that requires me to complete annual re certification of my income driven repayment plan. They acknowledge the paperwork received XX/XX/XXXX, and told me it will take them until XXXX/XXXX to process the application. I should not have to go through this annual stress fest. I need reasonable repayment terms, and Navient needs to correct their errors, and their processes to prevent this consumer stressing, time-consuming bottleneck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Experian Information Solutions Inc.
State: OK
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:
Since XXXX I have been battling against XXXX where I got my student loans from. When I was included in the recent lawsuit against them and applied to have my student loans discharged due to XXXX being a fraud school. I was approved for the discharge XX/XX/2021. Thats 8 years of loans I had to work on paying back for a fraud school. I reached out to Experian filed a dispute when I noticed my student loans were still on my credit. I got the notice today that they have been removed completely not showing any payment history and drop my score XXXX points!!! All payment history gone and XXXX POINTS GONE. Ive worked hard to get my score up. XXXX and XXXX didnt take that much. If I wouldve known that then just put it back on my credit or at least show payments. XXXX points is a huge hit.

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