BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-03
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Due to this taking 3+ years of my life to try to correct the mistakes that these credit report companies have done, I am not going to list the multiple calls & multiple letters ( the letters included copies of their reports & each companies letter every time I sent them ) to correct the problems with them all. Now, the only credit report company I still have problems with is Equifax. They still have 6 companies that they still are refusing to remove from my credit report, companies that are 10 or more years closed & that I have sent letters from those companies stating the accounts were closed. Equifax also will not give any information on me to any company that requests a credit report on me, they say they can't find me. Enough is enough, this needs to be fixed ASAP.

Kudo 's goes to XXXX for quickly removing all of the incorrect or outdated info from my credit report. The XXXX  & XXXX  companies did remove the incorrect & outdated info in a timely manner. I just want my life back & not have to deal with any more. Please help me!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: MN
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 right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following information items. Any other adverse items 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this letter because I am very concerned. I recently updated some information on my credit file with TransUnion and XXXX during the months of XXXX and XX/XX/XXXX. 

Now 2 weeks later, there are HARD INQUIRIES on my file for both credit reporting agencies : 1. TransUnion a. XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I filed an Identify Theft Report # XXXX on XX/XX/XXXX, which is attached. I also called both CRAs to have this information removed and they have not removed it yet. 

I DO NOT have a State ID or License, my passport is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I Made a Check Deposit at TD Bank ATM From Social Security {$800.00} and My Check and the Funds Was Available XX/XX/2019 and TD Bank Place A Verification Hold On My Check for the Check {$800.00} and made my account into Negative {$580.00} with 2 Overdraft Fee Of {$35.00} Dollars Please Help me with this Problem i dont know why TD Bank Did Cause This Problem into My Account.?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
On following date my credit reports show this company exposed my reports for non permissible purpose with out my consent. I have contacted multiple times and company insist that there is nothing they can do. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2021-12-05
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am unable to send payments using my credit card, using VENMO. The payment is for my mother to help pay for car insurance. I would not want her to revive any over draft fees from her bank. I would like to resolve the issue as quickly as possible before the holidays. There explanation for the reason my account is that I needed to wait or use PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
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:
I have paid the debt with the original credit with XXXX/XXXX service. I paid in full and I reported this to the credit reporting companies. I am unable to provide to my family a home to live due to this continue reporting on my credit. I have ask several times and never the issue is been resolved. XXXX does not comply with my requests and is hurting my family and my personal credit at this point. I am requesting once again to please remove this collection that is paid 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 explanation
Consumer complaint received 2017-11-11
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I was working for an XXXX owned authorized XXXX service provider in XX/XX/XXXX called XXXX XXXX, As a XXXX XXXX. With commission. XXXX closed our store and gave us a week notice. At the time I was living by myself and going to school part-time. It took so long to get my severance pay that I had to get a part-time job planet fitness making half the amount I was making. I got a job with XXXX cooperate that required me to travel. But then and transfered to retail. But during that transition my last 2 checks had to be expedited due to an error in transitioning from one department to another. I contacted Santander about the issue and was advised I could make half payments until I got caught up. But due to all the issues listed above out of my control the car was still repossessed. Id like to have the vehicle back. But was required to pay over {$2000.00} to get caught up With no option of making half that payment or anything else. Santander told me the vehicle will be auctioned off on XX/XX/XXXX. The best resolution for me would be to get the vehicle back or have more time to do come up with solution before the vehicle gets auctioned off. I also looked at the history of my payments and saw interest added on to full payments I made back in XX/XX/XXXX and so on. My payment history shows payments that Word made in full are showing half the payment being made and the other half going to interest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: VA
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:
Around XX/XX/XXXX, my credit score dropped 65 points. I reviewed my credit reports from all three bureaus and could not find anything. Then I contacted Equifax twice on XX/XX/XXXX and XX/XX/XXXX to find out the reason ( and to submit a dispute ) but they could not tell me which event caused this dramatic decline in my score. I am in good standing on ALL of my accounts. I did pay off an auto loan in XX/XX/XXXX and this account was automatically closed by the credit union. I think it is unfair that I am penalized for the closing of an account that I no longer need and that I paid off. I understand the score is based on some algorithm, but I this steep decline could cause me to loose money if I were to apply for a loan. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, we paid Chase Mortgage {$100.00} ( item 2 ) from our savings account to recast our existing 30 year mortgage. We did this at the branch with our banker XXXX, ( item 2 ).  XXXX was on the phone directly with XXXX from the recast department. XXXX confirmed receipt of the funds and emailed a document to XXXX outlining our new payment amount and start date, ( item 3 ). It does state on that document that a letter asking for a recast is required. XXXX, our banker asked XXXX at the recast dept if the letter was still required as the funds were received and we verbally asked for the recast. XXXX 's response was that no letter was needed and that she would open the work order for the recast and that the new payment was to start XX/XX/XXXX per item 3. At the end of XX/XX/XXXX, we received item # 4 informing us that our mortgage payments were not paid in full and that our credit would be impacted if funds were not paid in full. We contacted XXXX our banker and met with her to iron this issue out. After 2 hours talking with 5 different people at the recast department repeating the issue with each we were told that XXXX had never opened a work order and that only now was one being opened and that it was being done too late to allow for the recast to apply to the XX/XX/XXXX payment. In other words XX/XX/XXXX would have to be paid at the old amount ( without recast ). We are not dealing with an XXXX XXXX at XXXX who is attempting to help us but her hands are apparently tied. From item 5 you can see that we paid them the money that we did not owe to avoid their threat to impact our credit. 

So in essence, Chase bank has used our {$100000.00} and loaned it at interest while still charging us the full interest amount on our mortgage for going on 5 months. My wife and I did everything we were supposed to do except send the letter requesting the recast that was to start the work order. We did not do that, XXXX in the recast dept stated that she would open the work order and no written request is needed. That statement was witnesses by our banker XXXX. 

I can not understand why a recast should take two months to begin with, why the bank can use your funds while still charging you full interest on your mortgage. We were told that was " Policy '', and I saw it as a revenue generation process rather than a actual " Policy ''. 

We want our interest payments back for all months after XX/XX/XXXX ( XXXX, XXXX, and soon XXXX ). A letter of apology would be nice as well as the interest from XX/XX/XXXX. Can not think of a single reason why, in the age of computerized banking, that a payment can not be processed with a weeks time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I went to a XXXX XXXX ATM to deposit XXXX., but the ATM machine ate my deposit an did not credit my account. It also kept my debit card. This happened on XX/XX/XXXX at roughly around XXXX. In XXXX, La.I preceded to the main office building to tell the folks, the atm ate my deposit. From there they started a claim, in which XXXX was credited to my account in the following days. On XX/XX/XXXX XXXX XXXX reversed the credit, saying that when they check the machine it only had {$500.00} over, thus stealing my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
The card was denied and company wanted my SS card my license my passport Never heard of this

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 2022-10-29
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX 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 604 A Section 2 : 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 2018-11-14
Company: DISCOVER BANK
State: NJ
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:
Discover card was clearly provided the tracking number in dispute case number : XXXX, in regards to a used black belt that the merchant sent me for purchase price dispute of {$19.00}. XXXX tracking number XXXX was clearly returned to the merchant on XX/XX/18, at XXXX XXXX, signed by XXXX, delivered in XXXX, IA, the home office location of the retailer. As of today, retailer neglected to process the credit. Additionally, Discover card could have taken 30 seconds to type in the above tracking information to show that the item was returned to the retailer. Rather, Discover card relied on the original proof of delivery provided by the retailer which is irrelevant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: Conn's, Inc.
State: NC
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:
The company is Cons Home Furnishings. Their website states you can get prequalified without impact to your credit. I submitted a prequalification since it does not submit a hard inquiry or impact my credit. The company pulled my credit anyways causing a hard inquiry to show up and in fact lowered my credit score. I did not consent or give permission for a hard inquiry. Their website is misleading and intentionally lies to consumers that they do not impact their credit for a prequalified application. I have submitted several disputes to equifax and had submitted a complaint to the FTC without receiving any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MO
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:
Adverse account reporting incorrectly on credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions 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:
I have been trying to get an explanation about a negative entry entered on my credit report in the status and comment sections that says " Legally paid in full for less than the full balance '' this account is paid in full so why is there a negative remark and what does it mean? please provide me an explanation as to how an account can be legally paid in full and still be considered negative. the account is # XXXX Please remove the false, misleading, and inaccurate negative remark before it can do any more harm to my reputation and livelihood.

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 2023-03-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I live in NC and bank with a local bank, on XX/XX/22 my bank. XXXX XXXX XXXX  XXXX wired my daughter who is a student in the XXXX {$3500.00}. The US receiving bank was HSBC USA, and they were to send the fund on to the XXXX bank that my daughter banks with, which is also HSBC Bank XXXX. The funds never made it to her acct. and the funds have been sitting with HSBC us. My bank has tried a doz times to reach out to them and ask them to return the funds and they will not reply to any emails sent. Also 3 months later I still have not received the funds back and my local bank feels that they have no more options on how to get my money back or forward it on to my daughters acct. Any help you could do, I would be very great full as this money was for her living expenses over the next quarter for school. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: URS Holding, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX received a letter from XXXX XXXX dated XX/XX/18 stating that I owe them a debt of {$680.00}. 

Furthermore they are admitting that they bought the debt from another agency named XXXX XXXX. I have no knowledge of either of these companies and I'm positive that I don't have a contractual agreement with either of them to pay them any amount. 
I fully believe that this is not my account or is a case of mistaken identity. 
I also request full validation of the debt from XXXX XXXX. 

Either way I'd like this account immediately and permanently " deleted '' from any credit bureaus or reporting agencies as I am positive that my rights are being violated. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
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:
I tried to dispute this account with the credit reporting agencies as an account I have no knowledge of opening. I even tried to reach out to this company, but the phone always rings and hangs up or no one picks up the phone. I even tried to send letters explain the falsity of this account on my credit report.

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 2021-07-07
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
There is collection reporting on my credit report that i have no knowledge of. Also this account was once removed and now its reappearing. Please remove from credit report as soon as possible.

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 2015-12-23
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opted out of overdraft coverage and have been told that no items would go through and charge me overdraft fees. I was charged XXXX over draft fees this month due to Regions Bank allowing me to overdraft my account. I called and found out that they can only refund {$18.00} of the overdraft fees. It seems to me that they want me to keep over drafting to pad their fee income. I would told that my line of credit I have with The bank that if I did overdraft it would pull from my line of credit, I was lied two about both of these items. I believe CFPB should look into Regions Bank handling of overdraft fees, specially why they allow for these lies to happen. Please help, XXXX over draft fees to the bank is nothing but for me on a fixed income it means the difference of my car being paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation