BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) claimed I did not make my mortgage payment in XXXX, 2017. 

I made one payment on XX/XX/2017 to XXXX XXXXXXXX XXXX XXXX XXXX ( the original lender ) and a second payment on XX/XX/2017 to XXXX. 

I realized at a later date that XXXX had reported my payment as late which is inaccurate. I have reached out to XXXX and the credit agencies several times to get this removed. However, it remains reported late.

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 2022-03-14
Company: EQUIFAX, INC.
State: GA
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/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: ALLY FINANCIAL INC.
State: CA
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:
Ally Financial continues with the systemic institutional XXXXXXXX XXXX, and XXXX inequality treatment by improperly ordering a unauthorized hard credit inquiry ( twice ) in one day of my credit report WITHOUT my signed authorization. Per the F.C.R.A. either have them provide a signed authorized credit application document with my authorized signature, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.

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 2023-06-07
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have paid off my lease. The title was sent at the end of XXXX. I noticed today that my home and billing addresses were not correct ( missing street number ) for some reason. I never filled out the address for this online account. This is an undeliverable address. 

I need the title ( time sensitivity ). After contacting Hyundai customer support, they said that it could take up to XXXX  days to have this reconciled, and I do not have the time. I need assistance in getting the title ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX charged my Capital One card {$180.00} for a defective product subscription that I had already canceled due to its failures. 

I disputed that fraudulent charge with Capital One which provided a temporary credit. However, on XXXX Capital One fraudulently posted a {$180.00} PURCHASE ADJUSTMENT without notifying me. 

When I discovered this Capital One failure, I immediately contacted their dispute department with proof of timely cancellation during free trial and confirmation of that timely cancellation from XXXX. 

The Capital One rep state that he would E-mail me a link to upload the XXXX written confirmations. He failed to do as he stated. 

I called back and spoke with another Capital One rep who stated that a letter would be mailed to me with instructions to upload the XXXX written confirmations. That never happened either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX Account , XXXX Account , XXXX Account, XXXX Account 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 an 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 2023-03-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still some items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX 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 2023-01-20
Company: EQUIFAX, INC.
State: CA
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:
i obtained a current copy of my credit report and i noticed inquires which i had not allowed or authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Synovus Bank
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I obtained a credit card through a company named first progress. It was a secured card that I initially put XXXX of my own money on. I only made a few purchase totaling XXXX something odd dollars. I begin to read how people were having issues making payments and they would be charged late fees, so I decided to cancel my account within a month of having the card. After a few hours I managed to get a hold of someone from customer service and he basically said that I wouldnt owe anything since it was a secured card with my own money on it. This was back in XXXX of 2021.fast forward to XXXX of 2021 I begin to notice that I was getting late fees affecting my credit rating. Turns out they were still charging me late fees for a card that I canceled. Now there saying that Ive accumulated XXXX dollars worth of late fee and that I didnt cancel my account until XXXX of 2021. Which is a flat out lie. I need help please I dont have any one else to turn to. They also keep updating on my credit report as if Im still using the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Roundpoint mortgage has violated several mortgage lending laws, has defrauded me on multiple occasions and continues to do so. They have ruined my credit preventing me, a real estate investor by trade, from obtaining mortgage financing for my current projects. For the first time in over 40 years I have been denied credit because of Roundpoints mis-reporting. Roundpoint needs to be held accountable for their malicious, illegal and fraudulent behavior. If Roundpoint has done this to me a mortgage professional, how many other people have they done this to? I believe an audit of Roundpoint 's business practices will reveal rampant fraud within their origination. Roundpoint mortgage is in violation of mortgage collection laws regarding threatening and abusive phone calls.

Roundpoint failed to properly notify me they had purchased my mortgage loan in XXXX of 2023. As evidenced by their own correspondence dated XX/XX/2023 they are in violation of proper notification laws. A company can not notify you XX/XX/XXXX for a XX/XX/XXXX payment due date and then charge you late fees when they do not receive the payment ; that is fraud. Attached are my canceled checks from XXXX XXXX, my previous lender. XXXX XXXX clearly date stamped the checks XX/XX/2023. Roundpoint is in violation of mortgage loan collection laws by attempting to strong-arm me into paying late fees when I payed my mortgage payments on time. 

Attached also are my XXXX payments to Roundpoint which were clearly made on time. Roundpoint is defrauding my by refusing to give me interest credit for principal I paid over 4 months ago. Roundpoint has been holding over {$6000.00} of my money for over 4 months now and refusing to return it or apply it to my mortgages. Roundpoint needs to properly apply my mortgage payments and back date the principal reduction payments and credit me the extra interest they have been charging me on the scheduled and additional principal I have been paying for nearly a half a year. 

As this is the 3rd complaint I have filed with the CFPB regarding this problem I have also submitted copies of this and all prior complaints to both the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX, State Attorney 's Office. I am requesting investigations for trust fund account mishandling, conversion and gross fraud.

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 2018-03-12
Company: Premium Credit Bureau
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: Credit inquiries on your report that you don't recognize

Complaint:
At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from Premium CB. On XX/XX/18 I sent a certified letter to Premium CB requesting proof of " written authorization '' by me with my signature to pull my credit. Premium CB only responded stating my file was accessed by " a vetted subscriber ''. Thus I am assuming they have to such documentation and do not have written authorization from me to either themselves or their " vetted subscriber '' According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written instruction ''. According to this FTC advisory opinion Premium CB is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my credit report or be provided proof I have given " written instructions ' to pull my credit. 

https : //www.ftc.govXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Marauder Corporation
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is inaccurately reporting on my credit report. I need this to cease and desist off my reports. This company has been trying to destroy my name. Places collection account debts on my social security number without my authorization or consent. The consumer consents to whats reported on their personal credit profile. I have never done business and have no signed contracts with this company. 
There is no collateral estoppel and promissory estoppel thats I have ever used or signed with this company. 

Please stop all reporting on all credit bureaus. This is the 2nd attempt for resolution prior to legal proceedings.

Company response to consumer: Untimely response
Consumer complaint received 2023-03-10
Company: ALASKA USA FEDERAL CREDIT UNION
State: OK
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:
Im not sure why my first case isnt showing up but Im having problems with the bank trying to come back and charge me over {$16000.00} for charges that apparently they paid a company in XXXX XXXX and XXXX only for me to find out that starting XX/XX/15 because they started posting to my account and they were fraudulent transactions. Ive provided them screenshots from the place, plus emails from the company and a ton of proof but even with all of that they are trying to make me pay those. however, because they didnt notify me that they had paid these people all this money until XXXX months afterwards I couldnt do anything to stop it and now the bank is trying to make me liable for all of it, even though I provided proof that my account was closed and that those transactions didnt happen by me. I could have stopped it sooner and had my card closed if they would have told me when they paid this merchant but they didnt. So now that have closed my checking and left me in a negative XXXX $ after taking over XXXX $ from my account on top of the negative XXXX $ they are trying to bully me to pay and sending me to collections and closing my account. I didnt make these charges and if they would have posted in XXXX when they apparently sent them then I could have closed my card and it wouldnt be like this however they didnt and they didnt deduct till XXXX XXXX and this XXXX and XXXX and now the bank wont help me as they say its on me to fight the merchant. But my issue is with the bank not merchant because the bank took my money and paid someone with out letting me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: BANKUNITED, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, a debit in the amount of {$2200.00} was taken from my checking account at XXXX XXXX. It was reportedly sent to BankUnited. BankUnited claims these funds were never received and XXXX states funds were withdrawn and I would need to talk to BankUnited. Both institutions are telling to talk to the other. I even went so far as to have a conference call with both institutions to resolve the matter. To this date, no funds have been returned to me. This has caused serious hardship for me in that my mortgage now considered late, late fees were assessed and it has affected my credit. XX/XX/XXXX Online Payment XXXX To BankUnited, N.A. XX/XX/XXXX Bill payment {$2200.00}. 


The Trace number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: SYNCHRONY FINANCIAL
State: GA
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:
On XX/XX/XXXX I submitted a complaint in regards to an fraudulent inquiry that XXXX is reporting on my consumer file. I informed XXXX that I didn't authorize this inquiry and I also informed them that the company stated that they have submitted a electronically request to remove this inquiry from my consumer file. On XX/XX/XXXX in CFPB Case XXXX Synchrony responded stating that As previously stated in our response sent on XX/XX/XXXX, a copy of which you provided, on XX/XX/XXXX we submitted an electronic request to have the inquiry generated by the credit application deleted from your personal credit file. As of today XX/XX/XXXX XXXX is still reporting this inquiry on my file. I have attached the letter from Synchrony Bank for your viewing.XXXX has stated on XXXX the following response. I am a bit confused if SYNCB/PAYPAL INQUIRIES ARE A FACTUAL RECORD where did they verify this from? 

STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Inquiry : SYNCB/PAYPAL INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. IN REFERENCE TO YOUR QUESTION REGARDING INQUIRIES : INQUIRIES ARE A MATTER OF FACT AND ARE NOT ROUTINELY REMOVED FROM THE CREDIT FILE. THEY ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. THEY MUST REMAIN ON THE FILE FOR TWO YEARS FOR EMPLOYMENT PURPOSES AND ONE YEAR FOR OTHER PURPOSES. HOWEVER, IT IS OUR POLICY TO RETAIN ALL INQUIRIES FOR TWO YEARS. INQUIRIES ARE ALSO FOR THE CONSUMERS BENEFIT, AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT 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 non-monetary relief
Consumer complaint received 2022-03-14
Company: CITIBANK, N.A.
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I was notified on XX/XX/2021 that there had been fraudulent charges on my Citicard debit/mastercard. I immediately called and went over the 23 charges and was told that they would give me a provisional credit and would speak to the merchants to reverse the charges. I checked in with Citibank at the beginning of XXXX when I hadn't received any documentation by mail and was told that the complaint had never been processed and then went over the fraudulent charges with the representative and was told that I'd received documentation in 7-10 days. I did received the documentation but it didn't include two of the larger charges which were to charges to XXXX XXXX XXXX XXXX of which I'd never heard. I called again in XXXX and was told that those two charges were never submitted and that they would be submitted. The two original charges were both on XX/XX/2021. Both are XXXX XXXX XXXX XXXX. The amounts are {$230.00} and {$260.00}. They did initially give me credit and then started to send me letters saying that it had been too long since the fraud for me to be credited even though these were not my charges. I called in XXXX and asked that the cases be reopened and they credited and then reversed the credit again. I went into my branch on XXXX XXXX in XXXX, NY XXXX and they agreed this was ridiculous and helped me write a letter asking that this be investigated. I received duplicate letters asking me questions about my request as if it was a dispute of a purchase that I'd charged. I explained several times in several letters that this was a fraud claim and not a dispute about a purchase, but was never responded to. I am reaching out to you because I am so frustrated and can't believe that Citibank is holding me responsible for something that they didn't handled. Please advise, 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 monetary relief
Consumer complaint received 2023-11-02
Company: EdFinancial Services
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for the XXXX plan. My lender was notified on XX/XX/XXXX. 

My lender ( ed financial ) did not transfer my account to SAVE. My lender kept me on my old plan and charged me {$1500.00} per month, on the old plan. My lender did this for 2 months after the XXXX plan request was provided to them. 

I called on XX/XX/XXXX to ask why the change had not taken place. The first associate said that the change can take up to 39 days. I informed the associate that 52 days had passed since the change being requested. The associate was not able to provide further information. 

I called again on XX/XX/XXXX and the next associate said I needed to pay a {$5.00} fee to have the request processed. I provided account information to process the request. I was never informed of this {$5.00} charge before this date. 

Ed Financial defrauded me of {$3100.00}.

Company response to consumer: Untimely response