BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I sent certified letters to XXXX, Equifax and XXXX regarding an error on my credit reports regarding XXXX XXXX XXXX. In these letters I stated that they were reporting this an an open account which is not under FCRA compliance. I also stated that there was account number with XXXX and it wasnt the full account number and on the other reports there was no account number at all. Also the dates are not the same and being reported as past due which is also not in FCRA compliance. All bureaus should be reporting the same information all around the board. While examining I noticed that the account was updated instead of being removed or corrected. I will attach an image of the reports showing all the errors as well as the certified letter receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 use XXXX XXXX for my credit information. Just a few months ago my credit on both credit companies ( TransUnion and XXXX ) was Excellent. After checking this month I have the same good reports for both companies EXCEPT the hard inquiries, especially Transunion. The 7 hard inquiries at Transunion includes multiple inquiries including XXXX/XXXX ( 3 ) dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XXXX XXXX ( 2 ) dates XX/XX/XXXX and XX/XX/XXXX. I have not applied for or given permission for these two subjects to check on my credit, I have one credit card ( XXXX XXXX ) and one mortgage transfer to the local bank which would account for the large amt. The subjects mentioned above have nothing to do with either of these institutions. My concern is that in a matter of a few months my credit has be deeply affected ( from Excellent to Fair ) based on the fact that Transunion never questioned so many requests without a written permission from me. I have had several identity fraud problems in the past and feel that these hard inquiries are the start of another problem for me and also have affected my credit rating that I have worked so hard to obtain. I appreciate anything you can do for me. 
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 2023-01-04
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX, I applied for an equity loan against my primary residence and was denied citing two missed mortgage payments ( XX/XX/XXXX & XX/XX/XXXX ) on a secondary property. I provided the reason I missed the payments as follows : In XX/XX/XXXX, while on vacation, my sister suddenly had XXXX XXXX. She was rushed to the ER and admitted with a diagnosis of XXXX XXXX XXXX. We were out of state and she could not be stabilized to travel back home.The expenses for treatments and consultations mounted and I had to help bear the costs. I notified my mortgage company of the dire situation and informed them the payment would be missed for the two months. This was a very difficult time for me financially and I needed help. In XX/XX/XXXX, I reapplied for the same equity loan as I had been told to wait one year due to the two missed mortgage payments, however I was denied again. I initiated an appeals process in order to address the concerns raised by the Equity Processor. I was thorough with my explanations and documentation, however, when I received their formal letter of denial it stated the information I provided was not sufficient to alter the original decision. I was disturbed by their response because one of the areas of concern dealt with my debt to income ratio. I provided them with a lease agreement from my tenant who has an account with their bank. I also provided the tenant 's account information showing each monthly payment. I fail to understand why this additional information was not helpful since the mortgage payment is {$1600.00}. Additionally, I provided a full explanation as to why I missed the two mortgage payments as well as a disputed charge-off by XXXX XXXX. Another area of concern was a {$15000.00} loan I took out in desperation when the equity loan was denied. The interest rate on this loan is 24.57 % ; term of the loan is 36 months and the monthly payment is {$550.00}. My credit report will document I have had no late payments on any account ever, except the mortgage situation I explained above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
USBank ( hereinafter USB ) did repeatedly fail to correct the error that resulted from gross incompetence resulting from USB staffing cutbacks and their banking USB Agents. 

MULTIPLE EFFORTS WERE MADE TO ENABLE USB TO RECTIFY THEIR ERROR. 

Proof of offer enclosed. 
See Attachment ( EXHIBIT A ). Proof of fact is that I paid off my HELC in full and then borrowed the full paid off amount again to obtain a lower 3.99  % fixed rate. See USB account records from USB ( EXHIBIT B ) in USB account data file.

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 2023-01-11
Company: AMERICAN EXPRESS COMPANY
State: TN
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 was told I would receive a retention offer of {$300.00} after spending {$3000.00} on my American express XXXX card if I renewed the card. However after meeting the spending requirement and asking when I would receive the credit, a representative months later told me I did not meet the requirements. Then when I asked if I could receive a refund for the annual fee I was told I could not even though the only reason I kept the card was due to the retention offer they presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: Rocket Mortgage, LLC
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: Old information reappears or never goes away

Complaint:
My wife and I applied for a mortgage refinance with Quicken loans. They made two hard inquires on XX/XX/XXXX and one inquire on XX/XX/XXXX. I talked to Quicken and ask why they made three hard request in two days they could not explain. I ask them to please remove all but one and they said they could not. This affecting my credit score and I would like to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: The Outsource Group, Inc
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a XXXX veteran and have medical coverage through the VA. I told the collection agency over and over again that I did. They threatened to take me to court, take my house and take my XXXX check. The medical bill came from a trip to the XXXX XXXX XXXX XXXX room, in XX/XX/2018. They took my insurance information said I was covered, never billed me and now sent a {$2500.00} expense to collections.

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 2020-07-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
five times already I have spoken to the bank on the phone and in person at the local location and it took 10 hours total and I'm trying to close this account. Every week they either freeze my account or disappears and my debit card doesn't work. I have tried in person and on phone so many times to fix this and I want my account closed and I don't want any fees assessed my account being this is my first month and my {$3.00} balance refunded back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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:
XX/XX/XXXX, I received a text from Huntington 's Fraud Alert that asked me if I authorized a transaction. I replied NO. I received another text stating they were putting a block on my card until a member contacted me. Shortly after a member contacted me and I was told he shut off my card. Numerous unauthorized transactions continued to clear the account ( XX/XX/2021 XXXX {$89.00}, XXXX {$64.00}, XXXX {$300.00} and XX/XX/2021 XXXX {$230.00} and XXXX XXXX {$200.00} ). I called the next week and was told my card was never turned off but they again would be shutting the card off. I followed all procedures to file numerous disputes with Huntington. The first time, I received a letter stating they determined I made the transactions. I filed another dispute and this time never received any documentation, but my account was still showing the transactions and all associated fees. In XXXX I went to the local branch and filed another dispute and asked for the documentation they used to support denying my dispute. This could not be provided, the banker was as confused as me as to why they could not provide us with documentation. She continues to file another dispute. I have never received any documentation regarding this dispute. XX/XX/2021, I filed a complaint with the XXXX, which they can not help me with, but Huntington contacted me on XX/XX/2021 and said they could look into it again. To date I have not received or heard anything from Huntington. My account continued to be overdrawn by over {$1000.00} until a tax refund went into this account in XXXX. I have been unable to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX  I want to emphasize that I did not authorize any of this information to be associated with my name, as 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 2020-07-08
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
I have been dealing with this issue since XXXX of 2020 when I paid off my car. I spoke with XXXX at CAC yesterday as well as a few weeks ago and she advised me that CAC reports MONTHLY to all of the credit burreaus. I called XXXX  ( I pay for the service, it's not through a third party like XXXX XXXX ) and it shows that they have not updated my credit file since XXXX of 2020. I've contacted them severly times regarding this, asking for clarification on why it wasn't reported, ask to speak to a supervisor to which I'm sent to collections even though my account is paid and full and closed and I get told there is no credit reporting department contact number, no headquarters number and I just have to wait. 

I have submitted TWO inaccurate credit report documents from CAC 's website. Both of which are " lost '' and they just sent me out another one. 

I then filed a dispute directly with XXXX  containing the Paid in Full, lien electronically released letter from CAC and XXXX  went to CAC to confirm the information and CAC told them that I was past due XXXX and 90-120 days late on payments which is inaccurate. 

I want this addressed ASAP and I would like CAC to be fined for FCRA violations and my credit filed updated ASAP.

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 2019-03-01
Company: BlueChip Financial
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This predatory lending company issued me an {$800.00} loan. After making several payments and paying it down, I was having a financially difficult time and tried to work with spotloan l. However, they threatened to put down I was refusing to pay. This was in I believe XXXX. Today, XX/XX/XXXX, my mother received a text from this company with a link, my account reference number, and the zip code in association with the account. These are the only things required to get into the account. Meaning, had my mom changed her number, someone would have full access to my account. Today my loan stands at {$1200.00}. I in no way can afford this, and to say paying these awful people back is the bottom of my life priority list, would be an understatement. Any help is appreciated.

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 2020-10-16
Company: Risecredit, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went to check my balance today and the history and it turns out all the payments have gone to interest, nothing is being applied to principle, when I asked XXXX if they could at least change the pay dates since i'm negative every time they run the payment he said no, i was told i could adjust it prior if it was to the point where it was hurting me financially and it has been, with everything going on with covid my checks are a lot less and I have asked for help prior and was told they still could not do anything. I asked if we could lower the payment because they offered that prior and now I am told that they will not. The loan was for XXXX i've paid over {$4500.00} i was told i have another year from today to finish paying off the loan leaving it at almost XXXX in total. {$10000.00} in interest is a lot and for the company to not work with you when you have been making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent letter regarding a debt which I do not recognize. I sent letter back disputing the debt and used CFPB template requesting numerous questions to be answered by debt collection agency. Received response from a company with a different name and attaching summary of purported debt more than XXXX years old. This may be fraudulent as far as I'm concerned as I do not recognize this purported debt and furthermore they did not answer my queries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: LEXISNEXIS
State: IN
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:
ORIGINAL DISPUTE : XXXX Print complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2019 Consumer Number : XXXX Case Number : XXXX It has been well past 15 days since this was submitted to LexisNexis and i still have not received any results nor have they update the original dispute with the requested documentation. LexisNexis has now violated the regulations set forth in FCRA. You had 15 days it has now been well over 30 days since submitted, 28 days since you received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened up an account with navy federal Credit Union late XX/XX/2021. I received my debit card today ( XX/XX/2021 ). I was unable to activate and log into my account online. I contacted customer service and the representative told me a restriction was placed on my account because of information received by XXXX XXXX XXXX. I was advised to contact XXXX XXXX XXXX. Upon calling, I was instructed to order a consumer report. I called Navy Federal back and was treated with the rudest service. I asked the CSR to close my account and refund me the money I used to open the account. The CSR stated I would need to speak with the security department and advised of a 1 hour hold time. I asked her for the email or direct phone number because a 1 hour hold time is too long. She refused to provide me with further info. I am requesting that Navy Federal close my checking/savings account and issue me my initial opening deposit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 has a collection on my file from a cable company. I contacted them to make payment because at one time I DID have an account with that cable company..but this debt was not mine. They had a completely different address where I never lived. We determined, over the phone, that this must have been identity theft. I asked them to process it accordingly. 

They did not remove it from my file. I disputed this with all three credit bureaus and they did not block the item from display ( as federal law requires ) nor did they process it as an item from ID Theft. 

Account number XXXX. Balance listed {$250.00} Address listed as XXXX XXXX XXXX, XXXX, PA 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 2022-03-23
Company: C/C Financial
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a rental lease agreement with this company in which the agreement was misrepresented I was being forced into a new agreement in which the total amount due was twice as much as the original one I tried to work with company to pay down on what was owed but they wanted an unreasonable amount when furniture wasnt worth what they were asking for then they put my account into collections

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX ( XXXX ) trying to collect a debt of XXXX as of XX/XX/XXXX I have never open an account with sw credit I don't understand where this is coming from I have no type of knowledge of this " debt '' I don't know nothing about this company

Company response to consumer: Closed with explanation