BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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. 

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 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 2022-07-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX # XXXX {$260.00} XXXX XXXX  # XXXX {$3500.00} XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX {$15000.00} XXXX XXXX # XXXX {$75.00} XXXX XXXX  # XXXX {$380.00} XXXX XXXX XXXX XXXX # XXXX {$7100.00} XXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies to obtain my personal information to get credit accounts. I have no knowledge of these companies and whom may have used my personal information to obtain these 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 non-monetary relief
Consumer complaint received 2015-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Billing disputes

Complaint:
Capital one has been charging interest for years for cash advances that have not occurred. I have ask them to take these off many times but they refuse to do this. Their answer is that I took an advance out in XXXX which my statements show are not true. I have been unable to work this out with them. When on the phone they put me on hold for XXXX minutes with no final conclusion. Their responses are rehearsed and it is clear to me that I am not speaking to anyone who can rectify this. I have all staements from XXXX that I can send to an e-mail address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX # XXXX {$260.00} XXXX XXXX  # XXXX {$3500.00} XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX {$15000.00} XXXX XXXX  # XXXX {$75.00} XXXX XXXX # XXXX {$380.00} XXXX XXXX XXXX XXXX # XXXX {$7100.00} XXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I did not authorize these companies to obtain my personal information to get credit accounts. I have no knowledge of these companies and whom may have used my personal information to obtain these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Tower Loan of Mississippi, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I did not apply for a loan. I had never heard of them or had and contact with them in any way. Tower loan supposedly sent a live check in the mail for over {$4000.00} in my name. Someone cashed it at XXXX XXXX XXXX. They want me to sign a fraud affidavit with them and have aggressively called me 100s of times but considering what has already happened I do not trust them. I feel what they have do is highly illegal and it now shows up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Linebarger Goggan Blair & Sampson LLP
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have worked relentless to get this continued attack on me from XXXX XXXX resolved. I feel like this attorney firm should have reported this account. I had to file a complaint with this agency just to get the break down of this fraudulent account. Once I did there was about XXXX in mistakes if not more. In an attempt to force me into a payment plan XXXX XXXX pulled three old moving violations tickets to suspend my driver license. One of the tickets was from XXXX I believe. I was on a payment plan for several tickets which included the three they used to suspend my driver privilege in Iowa. My payments was XXXX dollars a month the file clearly shows that I was givin two extension for making regular on time payments. Yet now some how all the tickets was paid except these three. One which is XXXX dollars more then what it should be. This attorney firm after multibal corrections sent the file back I was told. I was pulled over on my way to a doctor 's appointment placed under arrest then let go at the hospital. I had to seek medical attention for my XXXX and for cuffs that was placed on so tight the doctor stated it compressed my XXXX XXXX and XXXX XXXX XXXX. I have been pulled over once here and I'm in the process of being railroaded yet again by this legal system here in XXXX XXXX. I have tried several times to reach this firm for help. It's my understanding they never requested for my license to be suspended and informed XXXX XXXX that I was working with them in an attempt to figure the balance of what if anything I owed. Yet XXXX moved ahead a wrongfully suspended my Iowa driver privilege after North Dakota refused their request. I dont get how this firm was eager to to collect their percentage at my expense but refuse to help me with this. I want to know why wasn't this account reported and why this firm is refusing to clarify if they indeed told XXXX XXXX I was working to get this balance correct. Where is the support for the wrongfully accused?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX OF 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 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 non-monetary relief
Consumer complaint received 2022-07-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/2022 I disputed the following account XXXX XXXX XXXX ( XXXX ), XXXX BANK ( XXXX ), XXXX ( XXXX ), XXXX XXXX ( XXXX ) I requested that Equifax do a in depth investigation of this account reporting as the account details are not reporting accurately. I also requested that this company remove the inaccurate reporting from my consumer report within 30 days! Equifax has yet to respond to my dispute. I would like for this account to be removed immediately as it is affecting my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 recently submitted a report for identity theft due to recent discovery my identity has used to open up account for medical and utilites. The following items should be removed and deleted from my credit report Account Numbers 1.ACCOUNT XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX* 2. XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX I was living in XXXX OHIO at the time these account were open. I do not recognize these companies and I have never lived in XXXX Tennessee.

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 2022-07-19
Company: SYNCHRONY FINANCIAL
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Three of my Synchrony accounts were closed as a result of error. 1. Lowes 2. Value City Furniture, 3 Care Credit. 

The reason accounts were closed is because Lowes took an un-authorized payment on XX/XX/2022 of {$5100.00} dollars from my checking account which triggered approximately ( 20 ) account payments to other creditors to overdraft my personal checking account! 

I Immediately was notified by my bank, XXXX XXXX XXXX that the account was overdrawn and I then Contacted Lowes to seek a remedy for this error. Lowes refused to rectify this error and said that it would take them 7 days to issue a credit back to my personal checking account! 

Meanwhile, had I waited 7 days, ALL my other accounts with creditors would have been returned and delinquent. I spent years establishing & building my credit profile and have been a loyal customer to Lowes. I have ALWAYS made my payments on time. 

Because Lowes failed to resolve the issue after several attempts, Synchrony has closed the 3 accounts as mentioned above. 

This is causing me damages to my credit Integrity and is also damaging my credit profile. 

I want my accounts restored and and ALL derogatory information to be Immediately resolved as it should be. 

Note : Would like to also mention that because Lowes failed to remedy that I had no other choice but to stop payment on that account. I contacted my bank XXXX XXXX XXXX and placed a temporary block on Lowes which I later removed and then submitted minimal payment that Lowes required of {$540.00} which included late fee 's. It was after I had made this payment that Synchrony Bank closed my 3 accounts! The Payment was made on XX/XX/202XXXX 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 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX we filed a CFPB complaint against all ( 3 ) credit bureaus Transunion, XXXX, and XXXX  as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX " We filed a federal lawsuit against ( 5 ) major banks on XX/XX/XXXX regarding our mortgage for mortgage fraud which are XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  which later was revised to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, vs XXXX  XXXX XXXX XXXX XXXX, et al., Defendants ~ Case No. # XXXX XXXX filed on XX/XX/XXXX IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF TEXAS XXXX   DIVISION ~ Judge XXXX XXXX . On that very same day XX/XX/XXXX I requested a flag to be put on both our credit reports for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in which I precisely gave Transunion, XXXX, and XXXX   the Federal Case Number # XXXX XXXX to freeze and stop any derogatory credit reporting until our case would be settled in court. We won our suit and it closed on XX/XX/XXXX. However, all ( 3 ) credit bureaus allowed ( 8 ) credit accounts to be closed on my wife XXXX XXXX XXXX and ( 6 ) credit cards for XXXX XXXX XXXX which negatively impacted our credit scores with high interest rates and impossible to get loans much needed for many years. They did all of this damage to us while we had not settled in federal court yet and the flag should NEVER have been lifted while pending matters were in federal court allowing XXXX to report that we were up to 18 months and greater that we were behind on our mortgage payments while we were in a federal court fighting for our rights by law. This was negligence on behalf of all ( 3 ) credit bureaus to have allowed such damages to occur. '' " The response from all ( 3 ) credit bureaus was identical that they couldn't find XXXX on our credit report. XXXX had been removed after Judge XXXX XXXX ordered them to take off the derogatory credit and correct it and it took months before they finished taking it off so by this time we had been affected greatly and we're still struggling to repair our credit. We would like a response when all ( 3 ) credit bureaus will make restitution and repair our credit 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 2022-07-19
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX XXXX are not responding to any of my numerous requests to investigate accounts in my consumer credit reports that were opened fraudulently and provide me the documents with the original signatures that prove the accounts were in fact opened by 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 2021-08-11
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:
to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting False inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : ACCOUNT XXXX XXXX openedXX/XX/XXXX for {$350.00} ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX  AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, 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 Account 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. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX I started a loan modification ( FHA HAMP ) with Bank of America, this lasted 5 years and more than 15 different loan modification papers sent to my house for me to sign and notarized. My original loan amount was {$220000.00} at 5.25 %, when the original set of document were signed my balance was {$210000.00} under the modification {$48000.00} was put in a Subordinate Note. the interest stayed the same and my loan was extended back to 361 term ( it was at 331 ). Present day, I am trying to do a refi cash out to make improvements to my townhome, during the process we have found that BOA said I had 2 loan mods, which shows as liens on my property one for XXXX and one for XXXX they also stayed that I was late in my paper work ( at the time I did not noticed that in the 15 different packages the sent me ), I never missed a payment or was late at any time with them. 
the fact that it took them 5 years to do a loan modification, now in XX/XX/XXXX my loan is jumping back to {$200000.00} ( with the {$48000.00} added back to the loan, present balance with XXXX is {$150000.00} ) which also means that in 10 years I have only paid XXXX off this loan makes me feel like I was taken for a ride by BOA. I would like a certified letter that shows the {$51000.00} lien/debt gone and any explanation of what happened and why my loan $ is still so high. 
I have requested a timeline copy of all my payments made to BOA. 
thank you in advance, 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 2023-02-09
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a account being reported by the Merchant XXXX XXXX CARD. Being reported on all 3 of my credit reports indicating a debt owed in the amount of {$800.00}. I never had a account with XXXX XXXX CARD. I am a victim of identity theft this account was open fraudulently. I have filed a dispute with XXXX and XXXX, and I still DISAGREE with their investigation results. I have filed a identity theft report at identity theft.gov and I have filed a police report regarding this matter. The information of me being a victim of identity theft has been reported since 2017 to all 3 credit reporting agencies. As there is a personal statement added to my credit file. I really would appreciate it if you could REMOVE THIS FRAUDULENT ACCOUNT FROM MY REPORT it is being reported as a closed account with debt owed. {$800.00}. Please remove the account in entirety.

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