BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Recently, I did an investigation on my credit report which coused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2019-06-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Bayview Notice of Pendency XXXX ( document number in county recorders ) put on my property by a third party - using a case number that was filed during bankruptcy stay and later discharged. The judge reconfirmed stay in current case XX/XX/XXXX and again XX/XX/XXXX. The third party is trying to block me from refinancing property. The third party did not notice Bayview, XXXX  XXXX XXXX or myself in XXXX to my knowledge. I am asking Bayview to look into matter in any way you can to assist with matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I recently got a job at a firm that audits Citi Bank and in order to avoid financial independence issues going forward, I am trying to close my Citi credit card accounts XXXX and XXXX. However, for some reason the account closure functionality on Citi 's self service online portal is not available.

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 2022-11-09
Company: Experian Information Solutions Inc.
State: AR
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 15 USC 1681. 

Account name : Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 instruction 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 information is inaccurate.

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 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I upgraded my credit card in XX/XX/2021, charge for new credit card paid was {$390.00}. One of the benefits is FREE PRIORITY PASS for travel lounges etc. Four months into the card the PRIORITY PASS people are saying my credit card does not qualify. HOURS ON THE PHONE WITH CAPITAL ONE with no resolution. CLEAR CASE OF BAIT AND SWITCH BY CAP ONE. VENTURE X IS A SHAM

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A account with this creditor was opened in my name as a result of identity theft. I have requested documentation from this creditor and they are refusing to send information to me to verify the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Synchrony Bank contacted a relative today, XX/XX/2019 and disclosed to my relative what company they represented, the fact that my debt was past due, how many months my debt was past due, and the exact amount of my debt. Synchrony Bank did this despite having my valid address and contact phone number. I provided them with this information in XXXX of this year when I filed a formal complaint with them for unnecessarily charging off my account. They have never contacted me regarding my complaint from 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 2023-08-04
Company: Experian Information Solutions Inc.
State: AZ
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2023-08-31
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to the atm on XX/XX/2023. I made a deposit of {$1000.00}. All bills were of {$100.00} The machine took my money and did not credit my account. This is alot of money that is missing. I need my money as I have to pay bills and rent. This should not be taking so long. I have called and all they say is that it is under investigation.

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 2021-04-16
Company: Santander Consumer USA Holdings Inc.
State: NY
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:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed an FTC report in regards to these account and sent all other documents to all three credit bureaus XXXX XXXX has be compliant in removing these items but experian and XX/XX/XXXX refuse to saying the account have been verified.i have made several request for the methods of verification and proof of verification, and both bureaus have been non compliant. 
account 1 ; XXXX XXXX account2 ; 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 2020-12-07
Company: Chime Financial Inc
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Good morning, I have banked with Chime for a few months, and during that time there have been a number of issues, including platform outages. However, this complaint is specific to a check I tried to deposit last week that was rejected. My check aligned with their published terms for remote deposit ( 3rd party check for less than {$2000.00} daily limit less than {$10000.00} monthly limit, account in good standing etc ) yet was still rejected by Chime. It was from my benefits provider as a reimbursement for child care ( WageWorks ). I attempted to deposit the account with clear images on XX/XX/XXXX and received an email from Chime ( that went into my junk ) on XX/XX/XXXX that indicated, " We are not able to clear this check. '' The check was clearly made out to me -- my name has not changed, and neither has my address ( both which match my Chime account ). I signed the back. It was not expired. My account was in good standing. And I've remotely deposited XXXX checks before. In summary, there was no reason I can possibly imagine for denial. Subsequently, I reached out to XXXX, who confirmed there should be no issues with the check. 

That same day XXXX XX/XX/XXXX ) I messaged Chime ( in their app ) for help and/or clarification as customer service was closed. Their customer service inquiry indicated they would get back to me within 24 - 48 hours. That was 5 days ago and it has been radio silence ever since. 

Thankfully, I've been able to make ends meet without the availability of these funds, but I've opened a new bank account and am waiting the hold time to access funds I've moved over. Not only did Chime break their published mobile check deposit terms, but they were completely unresponsive to my inquiry afterward. If others are reading this, beware, this is NOT an institution I would recommend!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company is continuously violating my federal protected consumer rights by reporting information that they have no permission to report.Based on 15 U.S. Code 1681b they have to be given written consent to share private personal information and I have not given my permission.

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 2019-08-06
Company: Experian Information Solutions Inc.
State: HI
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:
The following accounts were never a charge off, I never made a late payment on the accounts ever. 1Not to mention, they will not give me an explanation as to why they won't fix this erroneous inaccurate claim that has greatly affected my credit score. CFPB step up, reverse the late payments. 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 2019-09-23
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX XXXX # XXXX is reporting lates in XX/XX/19 and XX/XX/19. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it after the two months, the first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: EQUIFAX, INC.
State: DE
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 pulled up my credit report and found a charge that isn't mine. I filed a dispute with Equifax. They found it to be real - even though it is not. They haven't provided any documentation for these charges. The company that is claiming the debt will also not respond. I would like to speak with a person. I would like proof that I signed up for this item. Neither of these companies seem to be willing to speak with consumers. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We have 2 condos and we have an escrow account with our mortgage company. Recently I found out my mortgage company wrongly over deducted our escrow account to pay for 2-condo taxes in XXXX. I called the mortgage company and requested our money back on XX/XX/XXXX, and until today the mortgage company said all the numbers on its statement are true and correct, and it doesn't refund our money. 
Base on the statement the mortgage company had sent to me through email, in XXXX it withdrew 2 payments {$1300.00} for county tax on XX/XX/XXXX ( for XXXX XXXX ) and {$1300.00} for county tax on XX/XX/XXXX ( for XXXX XXXX ). 
Then 2 more payments {$2600.00} for county tax on XX/XX/XXXX ( for XXXX XXXX, full tax ) and {$2600.00} for county tax on XX/XX/XXXX ( for XXXX XXXX, full tax ). 
The 2 payment on XX/XX/XXXX and XX/XX/XXXX are only the correct taxes which we should pay to the XXXX county for XXXX, but the 2 other payments total {$2600.00}, both are on XX/XX/XXXX, are wrongly deducted from our account. 
From XXXX to present, I do many phone calls to its Service center, email its Tax department, email its Research department, but my request is not correctly answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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: Information belongs to someone else

Complaint:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Im a self employed XXXX XXXX XXXX, and also own XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Sba approved me for the first draw of ppp loans being as though my business was highly affected due to the current pandemic that we are all facing. My clientele was limited, and my business is suffering immensely. Ive provided all proper documentation to Capital One banking institution as proof of my business and income from XXXX XXXX. They asked me send send in 1040 form, which I sent in the same day it was asked of me. My business is still recovering and I would like answers as to why this is happening to me. I literally went from being self employed to employed because I have to booth and suite expenses out of pocket. Can someone please help. Im a XXXX XXXX who has been held against my rights for no reason at all. I call Capital One daily for updates, and no one has looked at my case or documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax XXXX XXXX  and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a Home Equity Line of Credit XX/XX/XXXX. My home has been paid off since XX/XX/XXXX, My credit score is XXXX. I have been told by Bank America that there is a Lien on my property that's been there since XX/XX/XXXX. I initially had a 30 year FHA Loan thru XXXX XXXX   that was purchased by XXXX XXXX XXXX, that was later purchased by XXXX XXXX. On XX/XX/XXXX I refinanced my mortgage for 15 years with XXXX XXXX who paid-off my 1st 30 year FHA mortgage ( XXXX XXXX became Bank America ). On XX/XX/XXXX I paid off my mortgage with BankAmerica. I have since had a {$70000.00}, Home Equity Loan with BankAmerica paid-off, and a car loan paid-off Both XXXX XXXX XXXX  and Bank America have been negligent In the procedure they used in handling clearing out that old {$51000.00}. I never received paperwork from Bank America when they paid XXXX XXXX off, nor did I get paperwork from XXXX XXXX showing the mortgage was paid. 
In the Superior Court of XXXX County on Book # 1240, Page # 25 is  the amount {$51000.00}. Both banks have been paid. PEASE HELP ME.

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 2023-09-01
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XX/XX/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 EQUIFAX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-08
Company: TFC Credit Corporation of California
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Never been sent actual contract. Even in the past making payments inaccuracies and balance then reporting late fees and payments but when you talk to customer service they say tak to school which never answers or calls back the last few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
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:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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