BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
Company: Experian Information Solutions 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:
I have been a victim of identity theft

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
CAPITAL ONE BANK Date Opened : XX/XX/XXXX Amount {$250.00} Created FTC Report to All Credit Bureaus US DEPT OF EDXXXX Date Opened : XX/XX/XXXX Created FTC Report to All Credit Bureaus US DEPT OF EDXXXX Date Opened : XX/XX/XXXX Created FTC Report to All Credit Bureaus XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have three credit cards with USAA. I have closed the accounts and destroyed the cards. They are charging me an exorbitant APR> I contacted them today to get the account numbers so I can transfer the balances to another company with a much lower APR. USAA refuses to provide me with the complete account numbers so that I may transfer these balances.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
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 believe that it was a mistake to close my PayPal account. I am using my PayPal account for my online, Buy and sell items such as ebooks, shoes, bags etc. since XX/XX/2022. My PayPal account : XXXX has stuck funds in it that I have to widraw my funds.

Thank you and Godbless. For Identity verification, I attached my valid ID. Please see my attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: LD Holdings Group, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a cash out refi on XX/XX/XXXX. I received a call and completed the mortgage application with the loan officer. I uploaded the required documents and e-signed my disclosures. My credit card was charged for the appraisal and credit report in the amounts of {$490.00} and {$21.00}, total {$510.00}. I specifically told the mortgage company that I live in a townhome/PUD which is considered a SFR and not a condo. ( Prior to this application I had another application and they had my property as a condo and it received a PIW as a condo. Once it was changed to a PUD, the PIW dropped off, so I was very specific, this is a PUD, an appraisal is needed. ) I was told I would hear from them within the next 5-10 days. An appraisal was scheduled and completed on XX/XX/XXXX. The appraiser told me he would have it to the mortgage company on Monday, XX/XX/XXXX. On XX/XX/XXXX, I asked XXXX XXXX if they have received and if there was any update. I was told the same day they had not received it and the appraisal would send me a copy once completed. This is also the first day I hear froo+m the loan processor, saying the same, they will contact once received. On XX/XX/XXXX, I saw in my loan application, a condo questionnaire was ordered through my management company. I emailed the processor asking why as this is NOT a condo. Questionnaires are not needed on a PUD. ( I'm a 20 year, current, mortgage underwriter with all designations including conventional, FHA, VA, Non-conforming/Non QM, etc ). I did not hear back. On XX/XX/XXXX, after 2 additional emails asking these questions, I still did not hear back. ON XX/XX/XXXX, I reached out to their customer care team and let them know I was going to file this complaint. 3 team members called within 30 minutes. I was told they would check into my status. ON the same day, I received the appraisal, only for it to come in as a CONDO. I emailed them immediately. The processor called me. He said he would look into it. On XX/XX/XXXX, still no word, emailed again, reply was still looking into it. Then the processor manager emailed and said they had it set up as a low-rise condo. I told them this was incorrect and needed to be changed ASAP. As of today, XX/XX/XXXX, I still have not heard back. I sent an email today and no reply. I want the fees refunded and for this complaint to be published for others to see regarding the customer service issues and not acknowledging my emails as all of this would have been a non-issue if they would have confirmed they had my home as a PUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: NJ
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 reporting act, the list of account below has violated my federally protected consumer right to privacy and confindentiality under 15 u.s.c. XXXX Account XXXX .... XXXX  XXXX XXXX. 
Account number .... 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 stats a consumer reporting agency can not furnish account with out my written instruction.

15 u.s.c. 1681 C. ( A ) ( 5 ) section state 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 anted ates the report by more them seven years..

15 u.s.c. 1681 S-2 ( A ) ( 1 ) A. person shall not furnish any information relating to a, consume to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.. 
There is a need to insure that consumer reporting agencies exerciese their grave responsibilities, with fairness, Impartiality, and respect for the consumer right to privacy. 
Reporting company used your report improperly obtained or used for purpose that aren't allowed by law...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-07-13
Company: PENTAGON FEDERAL CREDIT UNION
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
PENFED Credit Union has added additional burdens to the auto loan application process. Initial Credit application denies, and then, with spouse, unnecessary discriminatory burdens were added. I explain : The latest, as we submit a well Legible Utility Bill for personal and address verification ( Spouse ), they still withheld approval, until the Utility Bill was submitted in a Color Scheme of same Utility Loan, with same information. 

PENFED assumed that a black and white legible utility bill could perhaps be a fraudulent document, as the shown names of applicants are of XXXX XXXX, and document originating from the XXXX of XXXX XXXX. PENFED demanded, in order to approve loan, that it needed to be " Clear Legible and Color Copy. '' A copy is a copy ( Black, White or Color ), it makes no difference as it contains the same personal/address verification information. PENFED 's overwhelming and discriminatory request falls shorts of standards expected from this banking industry, placing gender, race and other traits aside from a fair application process. 

This assumption clearly discriminates to applicants, Veterans, Female and XXXX 

XXXX XXXX, XXXX  XXXX XXXX, XXXX, ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a soldier in the United states XXXX and was deployed. While deployed got XXXX snd was sent back to XXXX. upon returning I realized my td bank card and XXXX cards wee missing. I dont remember if I took them with me on deployment or not but while deployed we used a different card called an XXXX XXXX XXXX  which can not be used for fraudulent activities because it doesn't have any card numbers on it. Our money gets loaded on the cars. I contacted td bank and filed a claim and so contacted XXXX  to file a claim. They did the investigation and said they couldn't find fraudulent activity. Yet the amount of money I lost was a huge amount of money that I need to be replaced. I am highly disappointed in XXXX ans td bank as I have been with them for a long time. I expect them to do better.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-09-12
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a certified packet letter to experian on XX/XX/2020. I sent in the packet a experian dispute form, and my dispute letters for inquiries I did not authorize and a XXXX account that needs to be removed because it was sold to XXXX  XXXX XXXX which makes me no longer financially obligated to XXXX since they sold the account to XXXX XXXX XXXX. Unfortunately Experian did not do a proper fully investigation which they are required by law to do. I sent the packet on XX/XX/2020 experian received it on XX/XX/2020 they had results back and ready XXXX XXXX just for experian to not give no updates on the inquiries I disputed or correct XXXX  dispute experian basically sent a copy of my credit report without the inquiries included so I dont know what investigation they did because that what my packet was mainly disputing was inquiries and one 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 2020-12-05
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: Was not notified of investigation status or results

Complaint:
Complaint Number : XXXX I have tried to dispute this issue with Transunion and have filed a complaint with CFPB on XXXX2020 with complaint number : XXXX. Transunion response to your request by stating that they will contact the companies involve to resolve my complaint within 30 days and will notify me in writing the results. As of today XXXX2020 I have not receive any response or written notice of the results. They are not following up with the response. Please reopen this complaint and help me resolve this issue. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: MI
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. on my credit report is information that does not belong to me. In fact its the same company with more than one account, which I don't see how its possible. I pay my bills that are mine as can be seen by looking at my report, but I will not be held liable for fraud or error.

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 2018-12-06
Company: Debt Recovery Solutions, LLC
State: MD
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:
There is an account on my credit report ( XXXX only ) with the status of open when it should be showing a status of closed because it was included in a bankruptcy in XX/XX/2016. Its shows a balance of {$0.00} and past due amount {$0.00}, but yet is still open on my account. There is also an account open only on XXXX  again of a balance of {$570.00} that I have never received a bill for, but is showing it was opened in XXXX this year. I have disputed these two account with XXXX and sent them proof of bankruptcy and they still have not changed the status of the accounts even though I have received confirmation emails stating the dispute was completed. It is almost impossible to receive information regarding this situation because it is impossible to even receive access on their website because their system can never accurately match my information to confirm my identity and their phone number wait is always backed up hours at a time because no one can access their online features. XXXX should not be a trusted agency for being responsible for people credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I paid off my loan with Cross Country Mortgage/XXXX XXXX in XXXX of 2021. Despite multiple calls to customer service, and after speaking with multiple service representatives and supervisors my $ XXXX escrow balance has not been refunded, and the lender has not provided any information regarding when I will receive my money.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The problem is Transunion with deleting the information than adding it back on after sending in documents Under FCRA rules if you feel that it a result from identity theft or fraud you can have the information block from your file.Transunion has created a whole new credit file and number.I am asking that the information to be blocked from any credit report that is created by Transunion under FCRA rules.The enrollment form was never signed by me or sent to me for a signature.My identity was changed in the year of 2009 without my consent.I have no clue who is behind all of this disaster.I am uploading documents to help with this case

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 2019-07-17
Company: Credit Card Acquisitions Group
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Foster and Monroe have made calls day and night to my phone. At odd hours. Recent voicemail was left by XXXX XXXX who threatened legal action even though it has been 5 years. A company could no longer be able to sue. She said the county of XXXX XXXX will be contacting me. She called my actions silly. And when I had made a payment the link to the receipt/document is broken.

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 2021-06-08
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: Information belongs to someone else

Complaint:
Please help! I am submitting this complaint in regard to the negligent and unauthorized reporting of fraudulent accounts on my report. I have submitted an FTC complaint and affidavit alongside my proof of identity. I have submitted all documents in accordance with section 605B of the FCRA. The act does not require any extra information. Please remove the account with 4 business days of receipt of this complaint. I have mailed out a complaint directly to your company to the CFPB as well. Please comply with the law. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
report shows incorrect amount owed

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 2020-07-22
Company: Knight Adjustment Bureau
State: UT
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:
Knight Adjustment Bureau XXXX : This should of never went to collections. I never received a notice back when this were due. Also there shouldn't of been a balance because this was paid a long time ago. I was told that this was going to be removed from credit and it never was. I no longer owe this debt as it has already been satisfied. This needs to be removed from my credit file immediately as this is what should of happened in the first place.

Company response to consumer: Closed with explanation