BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Capital One stopped reporting my balance to the credit agencies for over a month. They last reported it at the highest balance on my card and then proceeded to never report it again thereby crashing my credit score. I've never paid late and pay in full every month. It appears to be almost deliberately hurting a customer by reporting their highest balance and then failing to report ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple inquires in my credit bureau of Experian that I do not and authorized please delete these queries from my account thanks.

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 2023-02-24
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: Investigation took more than 30 days

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 : # XXXX XXXX XXXX XXXX : # XXXX - {$470.00} XXXX XXXX : # XXXX - {$0.00} Has violated my rights. Or list of inquiries 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 2019-10-08
Company: BANCO POPULAR DE PUERTO RICO
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Banco Popular is using an unlawful loan-to-value ratio of 75 % to cancel our private mortgage insurance requirement, instead of the 80 % LTV required by the Homeowners Protection Act. 

After receiving notice of their rejection of our PMI cancellation request, we called them to point out the error and they would not fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
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:
XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX FCRA violatons remove the address so mail with my personal information will not get in the wrongs hands remove employer : XXXX XXXX XXXX : XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX  XXXX A {$980.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX  Collection opened XX/XX/XXXX Account type Open Account Paid off : 0 % remove unauthorized inquires please correct the address : XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY

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 2023-08-26
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been charged XXXX as return check charge in the XXXX statement. I request this charge be waived since the balance due of {$99.00} on the XXXX statement had already been paid in full on time and there was no outstanding balance. 
My bank had sent a check for {$99.00} on XX/XX/23. When I followed up with Cominity Bank customer service, I was advised that the check has not been received and presumed lost or stolen. On customer service suggestion, I agreed they debit my checking account for full payment of {$99.00}. This was done by them on XX/XX/23. 
I am therefore surprised that now customer service is saying they did receive my banks check and tried to cash it. I had of course put a stop payment to prevent loss or fraud. 
I fail to understand why Cominity bank would try to cash the lost check when you had already debited my checking account and there was no balance due.

I also fail to understand why customer service would not advise me before trying to cash the lost check that it had been found by Cominity bank.

Finally I question why customer service did not advise me when I called them to debit my checking account that if the lost check is subsequently found what action Cominity bank would take.

Why am I being penalized for following up on my banks check, making debit payment to Cominity bank on time and why customer service did not advise me in advance of Cominity bank policy if lost check is subsequently found? 
Kindly reverse the return check charge and confirm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-14
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple inquires that I do not recognize with the equifax bureau company please delete this unauthorized information thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: ALLIANT CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking and savings account with Alliant Credit Union that I am very happy with. However, this past summer until very recently, due to XXXX XXXX XXXX I was not able to take specific medications for a registered XXXX. This affected me adversely as not being medicated forced me to accidentally overdraw the account and they have put an NSF warning on my account which means they hold my checks for 7 business days and this can sometimes extend to ten regular days. I have never deposited a bad check and until this time I had not had any NSF activity. I have provided medical documentation to corroborate this but the credit union has refused to reduce hold times for checks, but they did tell me verbally that i could call customer service and request that holds be released and that they would be accommodating. Recently, after depositing a bank closure check from another bank for {$400.00} I called customer service to request that the hold be released and I was told they required a letter from the other bank, which I then provided. But I was told it was insufficient. I feel that I am being treated differently possibly due to my XXXX and I feel that the credit union is not being fair to me about this. I have never deposited a bad check, I have provided proof that the check will clear with two separate emails from the third party bank to no avail.I feel that I have provided fair medical documentation that supports my contention that any prior NSF was accidental and the condition that caused it has been remedied by being medicated again. I feel I am being punished for something that was out of my control and i do not think this is fair. I have asked that 'courtesy pay ' be removed as an option going forward. I ask that Alliant once again assess this with my medical documentation and return my account to the state it would have been in had my medication for my XXXX not been suspended, which means removal of NSF warning, reduced or no hold times for checks, and removal of holds on any current pending checks. I do not think Alliant is doing this maliciously, but I do not think they are considering the medical documentation I have provided properly, and therefore, are inadvertently discrimination against me by doing so. I am currently temporarily unemployed and living pay check to pay check so this is causing me great difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am been a victim of identity theft. I have been a victim of this terrible issue which caused XXXX XXXX to close down my account and force Checksystem to put fraud alert on my account meaning I can not get any checkings account with any other bank. I am putting a claim in against checksystem because I want checksystem along with consumer financial protection Bureau along to find my innocence behind this identity theft matter. I am willing to help yyou guys fully investigate to also find my innocence. This issue have held me back in recent days. Please work with me to find my innocence against the identity theft crime.

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 2023-08-26
Company: Rocket Mortgage, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
I was approved by Rocket Mortgage for a 30-year mortgage in XX/XX/2023 for a {$340000.00} condo in XXXX, DC. After receiving full approval to receive the loan, and paying for a home inspection for the condo to close on the sale by XXXX XXXXXXXX XXXX a Rocket Mortgage underwriter without much notice froze the loan until I can get a letter showing that the dividends I receive from my family 's legacy company will continue for at least 3 years. I provided the letter that the loan officer said would resolve the underwriters ' issues on XXXX XXXX after already sending a separate letter days earlier that the underwriter said needed to include additional information. But on XX/XX/XXXX, the loan officer was told by another underwriter that the letter would no longer suffice, and they now require proprietary information about the company 's earnings and accounts. Indeed, there seems to be no criteria for satisfying the underwriters ' requests, which appear to be capricious and somewhat arbitrary. As well, the underwriters ' continue to change the criteria for the loan, even though my income had been documented upon receiving approval for the conventional mortgage. And there appears to be conflicting opinions between the loan officer and the underwriters on what requirements would suffice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion is blocking my access to their services. Transunion acknowledged this fact when I spoke to USA based rep XXXX XXXX. 
He stated he was sending problem ticket to their IT department and someone would get back to me. On top of this, they have multiple usernames I used but have since changed and need to delete any legacy account info no longer in use ( outdated ) I can confirm all usernames and emails they can lookup upon request and/or they can consolidate all of that info into one email/username. 

XXXX XXXX supposedly removed my credit freeze and extended fraud alert but never did. Credit freeze and fraud alert need to be removed and any other alert I might not know about. Transunion needs to help me get setup on their system and make sure I am also OPTED IN. I AM NO LONGER PERMANENTLY OPTED OUT Username is XXXX Also, i cant log into : disputes.transunion.com Fix 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 non-monetary relief
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-25
Company: Thaxton Investment Corporation
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Reached to get the 1099c and never got a response If, after any reinvestigation under paragraph ( XXXX ) of any information diputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall .... 

( XXXX ) promptly delete that item of information from the file of the consumer, or modify that the information as appropriate, based on the results of the reinvestigation, and

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: EQUIFAX, INC.
State: SC
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 submitted all the necessary paperwork to Equifax to remove accounts that do not belong to me removed and they have not responded back to me and it has been almost a month. The accounts were removed from the other two bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions 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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from 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 explanation
Consumer complaint received 2023-08-25
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
I called US auto sales for my contract before they closed down and kept getting the run around. Now the new company Westlake that bought it wont give me a copy of the contract I signed. Ive been over charged and charged extra for insurance when I already had insurance on the vehicle. Help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I woke up this morning ( XX/XX/2023 ) and opened my bank accounts to check my balances like I do every morning. I realized over {$800.00} was missing with no transactions what so ever. I contacted support and they told me since there is no transaction they cant help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Bread Financial 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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, COMENITYBANK/XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: AES/PHEAA
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted my Department of Defense paperwork [ XXXX ] to be reviewed and forwarded so I can be repaid for my student loans on XX/XX/2018. After two weeks I called to ensure my paperwork was processed as normal. I was told my paperwork was lost and had not been touched since uploading it to their website. They reassured me that they would complete the work needing to be done and it would be resolved within a few days. I called approximately one time over the next 4 weeks only to be told nothing has been done with my government papers each time. My last phone interaction was XX/XX/2018 and I was told nothing has changed. For the last several years XXXX has processed my government paperwork within a few days. With every week that goes without them submitting my paperwork to the DoD, I am not getting repaid for my loans - and I am unable to use one of my military benefits defined within my government contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2020 I advised representative to update my payment information. The company continued to auto draft from an incorrect account, I call multiple times to correct this issue and finally issue was corrected. The agent agreed to waive all fees and assure that I would not be reported negatively to the credit bureaus. The following month I discovered the delinquency reported and once again they stated they would correct the issue. The account was current and the issue resolved. Even with the the auto draft issue there were no late or delinquent payments. The are very difficult to deal with and do not honor what they say.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo Dealer Services {$13000.00} - account balance has been satisfied per letter received from creditor. Account is still being reported by XXXX, and XXXX as a debt owed/charged off.

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 2019-10-07
Company: Nelnet, 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:
This student loan does not belong to me Im a XXXX so this is not my debt its saying the account was paid in full but I need it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Option was not included in selections. I am having the problem of Ally Financial contacting my parents, aunts, uncles, and cousins. I have recently taken a severance package from my work. I am not currently working since then and am waiting for my severance pay. I have told them that is what i am waiting for to pay it and that it would be within 2 weeks and they keep calling all of my family multiple times a day every day and have been told to stop calling from my family members.

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