BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 became a victim of identity theft and I submitted a ID Theft proof based on instructions from the FCRA XXXX which included documents such as, a signed FCRA Affidavit, proof of residence and identity, and police report. Unfortunately, all 3 credit bureaus only processed part of my request and many fraudulent accounts are still reporting. The bureaus stated that the accounts were verified by the creditor which is impossible!

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 2019-04-02
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: Public record information inaccurate

Complaint:
Collection with Florida XXXX XXXX XXXX is reporting inaccurately on my report. These accounts do not belong to me and were removed and have reappeared on my credit report. This derogatory information is lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
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: Information belongs to someone else

Complaint:
have written, faxed and spoke with CSRs at all 3 credit bureaus agencies advised that I am a victim of fraud submitted police reports and Identity theft report affavaidts on numerous osscassion FTC Report # : XXXX   and XXXX and Experian " REFUSE '' to remove accounts that were a result of fraud which are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX The 4 accounts need to be removed for they do not belong to 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 non-monetary relief
Consumer complaint received 2018-03-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I called Experian about my student loan being discharged in XX/XX/2017 and to have them update this information. I must admit this was a task so many prompts and when I got close to speaking with a representative the wait was over 2 hours. Then I receive information that a fraud alert or freeze had been placed and I will be billed XXXX. I called Experian again took forever to reach a person and I told her that I didn't want that freeze or alert. I then receive documentation from experian and the others the alert is still there but then experian representative wrote in the letter ... The number you provided when adding this alert is XXXX I havent used that number in over a year and I clearly gave that person my correct number XXXX! This is scary when the credit bureaus are being deceitful and then charging you. Their repeated attempts to trick the people into purchasing an alert or fraud is wrong. I have enough going on health wise that why I got approved for XXXX and XXXX XXXX XXXX and one of my issues is having a XXXX XXXX. The credit bureaus games only anger my person and that's not good. Then experian then prompted the other bureaus to place a freeze on their part too. I had applied for a credit card and denied due to alert or freeze placed erroneously.

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 2018-10-16
Company: Experian Information Solutions Inc.
State: FL
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:
I have a fraud alert on all 3 credit bureaus. Also credit freeze. XXXX XXXX experian shows 5 inquiries XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  / XXXX, XXXX XXXX. I never made these inquiries tsk tsk them 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 2021-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One did not address my request they closed my account which is a direct violation of my consumer right pursuant:15 USC 1602p . They did not respond to my Affidavit Of Truth or my desired remedy, and continue to violate my consumer rights. They did not honor my Cease and Desist or respond to my Affidavit Of Truth. They instead closed my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: MARINER FINANCE, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Mariner Finance is a fraudulent loan service company. The Branch Manager XXXX XXXX commits : fraud, forgery, extortion and shady business practices. Mariner finance preys on unsuspecting poor victims and deceits them into high interest paying loans that most can not pay. Check their default records, it is over 80 % loan holders are in default. My elderly mother obtained a loan from them and they said they will charge her 5 % interest rate but after reading carefully between the lines, they put a clause in if she is late one payment, they are charging her 57 % rate and cited because of her age! That is also discrimination! I do not even know how that is possible. Mariner Finance needs to  investigated, especially the XXXX Branch. The branch manager XXXX XXXX forges peoples names and helps people who do not have ability to repay for loans qualify and obtain them. She uses fraudulent information and sends to loan company to obtain the funds. This is fraud and shady business practices. I also strongly believe that Mariner finance is  committing Tax fraud and personally XXXX XXXX is the ring leader. I strongly believe that Mariner finance needs to be investigated and XXXX XXXX needs to be STOPPED from harming peoples lives and drowning them in debt.

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 2019-04-02
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My was card was used by several companies unauthorized by me. I called some companies trying to retrieve my funds back one company ( XXXX ) said that i shouldnt cancel my card because then they wouldnt be able to refund me my funds so i kept my card active. Some companies wouldnt refund me back, they said i had to file a dispute with my bank in order to retrieve my funds and my bank disapprove my dispute because they said i didnt cancel my card but i did Because i received a new card, This is fraud i need help getting my funds back.

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 2019-04-02
Company: Colony Brands, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i still have XXXX XXXX still on my XXXX credit report and it has been removed from XXXX   but never was removed from my XXXX report it was reported as fraud and i would like it taken off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have lost my income, and my First Citizens Business Credit Card is long overdue. On XX/XX/2018, First citizens Bank called my in-laws and left a message about my uncollected debt.

This is unacceptable. I have never lived with my inlaws or listed their number as a way of contacting me. They must have found this information with a XXXX search of my next of kin. I do not want my inlaws involved in my personal financial business. This is a serious breach of confidential information, and it is harassment. 

What can I do to stop these calls?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had a checking account with Chase bank and they shut down my account and would not give me any information as to why they closed my account. This happened in XXXX of XX/XX/2018. I think it was the XXXX of XXXX. My account was suspended after someone sent me money on XXXX. I was confused as to why that happened because Ive always been using XXXX. The next day I called chase to try to resolve this matter and they said that Jp Morgan has come to a conclusion that they no longer want me as a customer. I told them so why did you guys close my account. They then responded we cant give any information. I was like why not, you guys closed my account that I have been depositions my hard earned money into. They said in 10 business days they will mail me a check of my balance which was about {$1600.00}. I was very frustrated at this point. I tried calling back again to try to resolve this matter and I still had the same problem. The customer service would not tell me why they closed my account. 2 or 3 weeks later I get A cashiers check with my balance of my chase checking account as well as a letter stating that chase closed my account. I tried to get answers from chase after that but they would not help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: CBC Companies, Inc.
State: CA
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: Received unwanted marketing or advertising

Complaint:
I did an online inquiry about refinancing my home. I began to receive multiple calls, emails, text messages from different companies. One identified themselves as my current mortgage lender. This was fraudulent. I contacted my actual mortgage lender and allowed them to run my credit for a possible refinance on XX/XX/XXXX. I was contacted yesterday from someone that identified themselves from XXXX and asked about my refinance in process. They offered additional savings. However, they reran my credit under " Factual Data '' as a hard inquiry that was not authorized. Only XXXX was authorized to run my credit. Upon further review I noticed that " Factual Data '' has run my credit on other occasions that were not authorized XXXX & XX/XX/XXXX. No other companies were granted access to run credit reports with my information apart from XXXX. I would like these credit checks removed from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
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: Account status incorrect

Complaint:
Experian is still reporting my XXXX account as having two delinquent payments in XX/XX/XXXX. I had this matter resolved last year and contacted the CFPB last XX/XX/XXXX to get this matter resolved. They corrected my credit report, but now they have put it back on my credit and it is affecting my score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
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:
There was a credit inquiry for XXXXl XXXX credit card in XX/XX/XXXX. I was notified in XX/XX/XXXX that the hard credit inquiry was pulled. I called the bank to dispute since I didnt apply for the credit card and believed it was fraudulent activity. The XXXX XXXX bank sent the letter to let me know that they cancelled the credit inquiry since it was a fraud to all three agencies. However, Equifax never removes the inquiry and I have tried to disputed that with them 3 times. I faxed the copy of the letter from the XXXX XXXX bank to support my claim but still not fix. I would like to file a complaint against Equifax for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Mortgage Research Center, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
When I purchased my home I was told that I would need to pay flood insurance. I was told that typically conventional loans are less likely given for homes in flood zones unless they have a large down payment. I was also told that I would have no problem getting the home loan because it was backed by the VA. The structural integrity of the property is poor. I 've found that this property was just filled in wetland. Now that the seawall/bulk head has quickly gave way I have learned the repair/reconstruction cost of what is now known as the properties foundation will be more than {$30000.00}. It would not be covered in any homeowners policy. The home was remodeled directly before the purchase. You can see that the home is settling quickly deeper into the earth. I learned last year when a home across the road which is also in a flood zone that it was too purchased by a veteran. The previous owner was leaving because he said it was just floating. I paid {$290000.00} for a small lake cottage in Indiana and will need to put no less than {$50000.00} more into the property which was not disclosed to me. I was told there was nothing to worry about when I questioned a slight break in the bulkhead which has now fallen into the lake with a second 50 foot section breaking way quickly. I question whether veterans are targeted to purchase flood zone properties because the backed VA is most accessible for these locations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Mortgage was not " foreclosure '' but was given back in chapter XXXX bankruptcy. XXXX XXXX Loans continues to purposely misreport as " foreclosure '' when they know it was included in bk. BK is over XXXX years old and XXXX can not report negative info in any fields on credit report. Fix this immediately or I will see you in court. Chapter XXXX bankruptcy was discharged XX/XX/XXXX case # XXXX Original mortgage was with XXXX and was filed as such in bk. XXXX purchased the loan several years AFTER the home was given back to XXXX under the protection of bankruptcy courts. I offered to reaffirm the loan however the courts did NOT approve the reaffirmation. Therefore it was NOT a foreclosure and WAS and IS protected under the federal bk courts which you are knowingly and willfully disregarding thus violating my rights.

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 2021-04-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: ERC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 is incorrect

Complaint:
I applied to a Credit Union as was told I could not get an account because of a ChexSystems report. I had no idea what that was, so I ordered a copy delivered. 

Upon delivery, I see a mark from XX/XX/2013 from XXXX XXXX that says " Account Abuse ''. 
The total amount claimed to be charged off was XXXX. 

This is completely inaccurate. I still have accounts in goodstanding with XXXX XXXX. I never received any notices, and I certainly did not abuse my account. This was a joint checking account that was soley used to pay our mortgage at the time. This is a bogus description and a bad business practice. I had other linked accounts and was never given information about any abuse of the 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 2019-04-02
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient for a year has insisted that I have an unpaid late fee of XXXX. However if you look at my transaction history over the last two years any fees I have accrued were earlier last year and those were quickly paid off. I have over paid on my monthly payments, so it would make sense that I shouldn't have any late fees. I tried contacting Navient directly, but they weren't helpful. When trying to contact them a second time to try to get them to tell me exactly when that late fee was assessed, they haven't answered me. Each billing amount includes that late fee. The fee of XXXX goes as far back as May of last year. I have included my transaction history, the bills from XX/XX/2018 to the present, and the response Navient gave me when inquired about the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received two credit hard inquiries on my credit report on XX/XX/2021. One was from KOHLS/CAPONE and the other from XXXX within 1 minute of each other. I have not applied for a credit card with either of these stores and I feel I am a victim of identity fraud. I contacted XXXX to investigate and have the inquiries taken off my credit report. A rep at XXXX told me to file a fraud report with the FTC/CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: EQUIFAX, 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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : XXXX  XXXX ) XXXX, XXXX XXXX, XXXX XXXX are not my responsibility.. Credit bureaus failed to give me the result of their investigation, Not to mention they will not give me an explanation as to why they wont overturn or delete this erroneous inaccurate claim that has affected my credit score tremendously. I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: CITIBANK, N.A.
State: IL
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:
XX/XX/XXXX I deposited {$1500.00} into my credit card account at Citibank on XXXX and XXXX XXXX XXXX. 

XX/XX/XXXX I tried to pay my Public Storage bill I went to Citibank to ask for a refund. The bank manager called the credit card company, They said it would take 7 to 10 days. 


XX/XX/XXXX The amount was not returned, I called the credit card company, they seemed confused and ATM stated that owed $ XXXX.Several calls later the matter has not resolved. They said they mailed me a check for less than amount received.

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