BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-04
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX, I closed on a one-year construction loan which will roll into a conventional 30-year mortgage with People 's United Bank. The problem is that the Closing Disclosure statement was wrong. The lawyer, assigned by People 's Bank, walked me through the process and clearly stated that my monthly payment, for the first year, would be {$1000.00}. This appears in black and white on my Closing Disclosure Statement. However, it was wrong, as I learned when my XX/XX/XXXX statement arrived, and after I had engaged contractors and planned my budget for the year. The actual payment for the first year is more than {$2100.00} per month. When I learned of their error, I sent a written complaint to the bank and asked for a written apology and a description of what they would do to avoid situations like this in the future. I also offered a reasonable accommodation to help me stay on budget : the immediate release of the last $ XXXX that is usually withheld from construction loans until the project is completed and a CO is issued. ( Of note, I already have the CO and am living in the house. ) At any rate, the bank sent a letter back to me that talked about their process but did not include an apology and made no comment about my suggestion. They did instruct the VP in my local branch to call and offer an apology. She encouraged me to finish as much as possible before the first inspection and that there would be a good chance, if the house was mostly done, to get an early release of the $ XXXX. So, when my first inspection was scheduled, I contacted the Complaints department and reiterated my reasonable suggestion. The inspection was held in XX/XX/XXXX and deemed the house to be 98-percent done. However, the bank refused to release the final $ XXXX  because it is not 100-percent done and, of more concern, they refuse to acknowledge that the incorrect numbers on the Closing Disclosure statement were a mistake. They told me plainly that they don't think it was a mistake. Without any other option, I am filing this complaint. In my world, {$1000.00} is not {$2100.00} and I believe that consumers deserve to enter into contracts with financial institutions that are honest in their disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
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:
the folowing accounts XXXX # XXXX {$1700.00}, XXXX  XXXX # XXXX {$3600.00}, XXXX  # XXXX {$700.00}, XXXX # XXXX {$1100.00}, XXXX # XXXX {$600.00}, XXXX  # XXXX {$33000.00}, XXXX # XXXX {$1000.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$1200.00} are all unauthorized items that were opened in my name fraudulently i have filed an ftc report and police report and sent to credit agency with no prpoer response i would like for these items to be removed immediately before further litigation action to be taking 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 non-monetary relief
Consumer complaint received 2018-03-04
Company: TD BANK US HOLDING COMPANY
State: AL
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:
I am a XXXX XXXX XXXX XXXX with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX Truck under my Company 's Name using it's XXXX Number and EIN. He explained to me that I would have to Guarantor the loan in which I new. I inquired about a New XXXX  truck, explained to him that my XXXX  score was a 691 and that I only had 1 Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to only pull my credit once, to only use my XXXX  Credit report and to only send my loan request to XXXX XXXX Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my XXXX   report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: BB&T CORPORATION
State: AL
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:
I am a XXXX XXXX XXXX XXXX with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX  Truck under my Company 's Name using it's XXXX Number and EIN. He explained to me that I would have to Guarantor the loan in which I new. I inquired about a New XXXX  truck, explained to him that my XXXX score was a XXXX and that I only had 1 Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to only pull my credit once, to only use my XXXX  Credit report and to only send my loan request to XXXXXXXX XXXX. Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my XXXX   report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 2022-07-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
About 18 years ago I had a mortgage with XXXXXXXX XXXX. They securitized and sold it to another servicer, but retained my PII. A few years ago, I was notified that my SSN had been compromised and offered identity theft protection services through XXXX. This week, I received yet another letter from XXXX that it happened again. I don't understand why my information was held in their system so far beyond what is legally required. I want it removed from their system and am writing to the CEO as well. Please investigate their practices. Clearly, they are not managing customers ', or former customers ', personally identifiable information in a way that conforms with best practice.

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 2023-03-27
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: Account status incorrect

Complaint:
According to Equifax, my account with XXXX XXXXXXXX XXXX is closed yet they keep reporting to Fico that it's open. Fico suggests that they delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On around XX/XX/XXXX l made a call to Capital One credit Department from my cell phone XXXX to apply for a Visa credit card instead of a Mastercard.

Capital One credit card Department approved Mastercard in ending # XXXX on XX/XX/XXXX and since XX/XX/XXXX l have been making timely payments each month.

On Monday.XX/XX/XXXX l made a call from my cell phone number XXXX to apply for a Capital One Visa credit card and Capital One Department administration Denied me the opportunity, because l am XXXX XXXX.

Capital One is in violation of my ADA Disability Civil Rights Act under Department of Justice.

Capital One credit card Department ran my credit with my Social Security number as Capital One already have all my information on their Data system.

Capital One credit card Venture card limit is around {$5000.00}.

I told Capital One, that l need it a Visa card to boost my credit scores so l can obtain a VA home Loan to purchase a home in XXXX, California and Capital One stated that they was going to provide me with support.

But, because l am XXXX XXXX and XXXX  l was Denied on Visa credit card.

I am been Discriminated and Retaliated as a XXXX XXXX XXXX and US Military Veteran.

My XXXX XXXX XXXX  pension income is sufficient equitable as l receive {$54000.00} @ year income from California Cal Pers XXXX    XXXX  pension income and is a XXXX XXXX income with a cost of living increase of 3 % COLA each year on XX/XX/XXXX.

I have made various calls to Capital One credit card Department to increase my Capital One Mastercard ending in # XXXX credit limit from {$500.00} to a higher amount.

But Capital One credit Department declines credit increase.

I am been Retaliated and Discriminated because of my National Origin and my file complaints against Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Experian Information Solutions Inc.
State: NJ
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  Home Equity Loan. Loan # XXXX Back in XXXX of 2020, I was impacted by XXXX and applied for a HELOC extension in XX/XX/2020, I spoke with both XXXX and XXXX ( representatives at XXXX  ) about the extension and I was told that the application was submitted and I would receive an email. However after waiting for about 2 to 3 weeks I found out that was not the case and had to reapply, which wasted valuable time. 

The email containing the approval arrived on XX/XX/2020 but by that time I was already 34 days late, I found this out recently because I had to pull my credit report due to a fraud issue and found that I was reported late by XXXX XXXX, after having the loan extension agreement in place. 

I have tried calling the customer service center several times, but due to high call volumes and long wait times, I was not successful in actually speaking to someone.

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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX Account # 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 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 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I the consumer XXXX XXXX, have reached out to Transunion on multiple occasions detailing fraudulent information on my account in relation to identity theft. They have stated that they are not governed by the FDCPA and when I brought up FCRA they also denied that they would remove anything relating to identity theft from my report. This is after I have submitted 4 FTC reports, called and detailed to them on several occasions that these items were fraudulent, the last date being XX/XX/XXXX, as well as XX/XX/XXXX. I have let them know that the following accounts & inquiries were related to Identity theft XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was advertised a pre-approved offer for a $ XXXX GM XXXX XXXX credit card by Goldman Sachs. I was told that I must submit a state ID to finalize my approval. 

Goldman Sachs received my documentation both via the " upload documents '' section of their own website and also in a complaint made on CFPB.gov ( XXXX ). 

In both instances, Goldman Sachs knowingly and willingly made false statements stating " Unable to verify identification information '' in regards to my credit card application which is a violation of 15 U.S. Code 1611. 

Goldman Sachs has the ability to use other methods outside of using my state-ID to verify my identity, including sending a 6 digit code to a phone number in my name, or asking me multiple choice security questions in accordance with public record, but has chosen not to do so, although federal law requires them to! 

Goldman Sachs falsely stated " The Bank conducted an investigation and confirmed no Bank error occurred. As stated in previous responses, and according to the Bank 's records, the Consumer submitted the most recent application on XX/XX/2023. As part of the application process for the GM XXXX XXXX, the Bank conducted a review to research any red flags identified and to verify the identity of all applicants. '' No investigation occurred, the documents requested were sent to Goldman Sachs and obviously have not been reviewed, or the person reviewing the documents has poor eyesight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
I have asked the Credit Bureau to do a credit search and I did a complete search as well. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX Account # 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 602 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 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
RE : XXXX XXXX XXXX XXXX Account XXXX XXXX Social Security Number : XXXX I believe the information on the consumer report is reporting inaccurately. 
Please verify this information is reporting accurately. Verify the date account was opened, balance, and my payment history. 

Can you verify the date of first delinquency? 
Im requesting the results of your reinvestigation in accordance with 15 U.S.Code 1681i ( a ) ( 1 ) ( A ) and a copy of my credit file. Please forward all correspondence regarding this matter to the address stated above.

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 2018-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I am a XXXX XXXX XXXX XXXX with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX  Truck under my Company 's Name using it's XXXX Number and EIN. He explained to me that I would have to Guarantor the loan in which I new. I inquired about a New XXXX  truck, explained to him that my Transunion score was a XXXX and that I only had 1 Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to only pull my credit once, to only use my Transunion Credit report and to only send my loan request to XXXX XXXX. Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my Transunion report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately.

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 2023-03-27
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: Personal information incorrect

Complaint:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 
The inaccurate information is a US DEPT of EDUCATION LOAN with a balance of XXXX, which was allegedly opened in XXXX XXXX and another US EDUCATION LOAN FOR XXXX which was allegedly opened in XXXX XXXX these items are inaccurate. According to CRA 15USC ss1681 ( G ), ( N ), ( O ), ( E ). This in accurate information being on my credit report is against the law, and they are liable for civil against them for violating my rights and creating hardships in my day to day life and trying to excel. I demand that these items be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
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:
FCRA violations : payments never late XXXX  XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$48.00} Status Open FCRA violations : accounts not mine XXXX/XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$350.00} Status Collection account. {$350.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. $ XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family

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