BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, and I hope all is well. Thank you for taking the time to review the complaint. A series of events occurred to have a fraud alert placed on all major credit bureaus. The companies listed requested Identification and social security numbers without a disclaimer of sensitive information signed. I was never a victim of identity theft. The letters drafted from the companies hired XXXX and XXXX XXXX XXXX. 

I began seeking reputable companies to assist with growth in the FICO Scoring system. The overall goal is to understand the five components ' of the overall credit profile. XXXX XXXX XXXX and XXXX had several misleading advertisements. 

For example, the rapid increase in point increased, the number of accounts removed, Etc. With the millions of credit reports, how can a company guarantee a rapid increase in points and everyone 's credit profile is different? The overall goal is to understand the scoring modulesthe overall credit profile 's five components. XXXX XXXX XXXX had several misleading advertisements. For example, the rapid increase in point increased, the number of accounts removed, Etc. With the millions of credit reports, how can a company guarantee a rapid increase in points and everyone 's credit profile is different? XXXX XXXX XXXX began services in XXXX of 2019 ; the total amount rendered {$800.00}. XXXX total {$750.00}. XXXX refunded the entire amount rendered for services. Poor experience from both companies, the goals in place weren't met. 
The overall goal is to assist with understanding the scoring module and the overall credit profile.. Reputable companies were the key to growth. Services were rendered from XXXX XXXX XXXX failed to educate on Payment History, Credit Utilization, Credit Age, Overall Credit, and Mix Credit.

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 2021-11-10
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Auto loan with Banco Popular Auto payments are set up automatically this institution repeatedly under reports payments made which are debited on different days of the month last reported payment as reflected on XXXX Credit bureau was for XX/XX/2021 a dispute was opened case number XXXX the bank reported a balance of {$27000.00} on XX/XX/2021 they now updated the amount to reflect an incorrect balance of {$25000.00} a difference of {$2100.00} as of XX/XX/2021 there still exists an under reporting payments of {$640.00} are debited each month XXXX, XXXX, XXXX, XXXX, and XXXX are a total of 5 months missing these months total {$3200.00} not {$2100.00} - {$1000.00} dollars are still under reported this is the second case & complaint filed with this bank they are untrustworthy and a problem to deal with if this isnt corrected the Automatic Payments will be STOPPED! Immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened a personal checking account with Wells Fargo with a promotion/incentive. Met all the requirements but did not get the promotion bonus paid.

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 2022-04-03
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX is reporting a 30 day late payment in XXXX of 2020 during the first month of Covid-19 Shutdowns. I made an arrangement with them, wrote a Good WIll letter and they refuse to remove the late payment status with all of the credit bureaus. 
Under The CARES Act, which was signed into law on XX/XX/2020, Act amends theFair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for update. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE PUT A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOING AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE BEEN ABLE TO OBTAIN THESE ACCOUNTS WITH MY PERSONAL INFORMATION. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES 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 explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: LA
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:
I have tried repeatedly to get all three major credit reporting agencies to comply with the Fair Credit Act when it comes to my credit report. They will not take old information off and when asked to investigate something it always comes back as verified. When I ask for the name and position of the person who verified it and how it was verified, I never get a response back. It is my understanding that this is a requirement of the law. I was going to take the problem to my US Senator but figured I would try here first. I can't remember exact dates, but it has been several times over the years and with all three agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have excellent credit and due to my age I was denied credit by capital one when I applied on line the reason I was told was my score which happened to be XXXX when I called the representative she could not give me any good reason when I received the letter it said to many inquiries when I had only the one I was applying to. I also had a capital one card in the past with excellent history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My name is XXXX XXXX. This is a formal complaint against Transunion for refusing to remove a XXXX bankruptcy from my credit report that does not belong to me. My report says that the identification or account number for this bankruptcy is # XXXX. This is not my first dispute against this item, I have been fighting tooth and nail with Transunion trying to get this removed for years. First of all, this account is only being reported on my Transunion file. There is no record of a bankruptcy on XXXX or XXXX. This says a lot because if I really would have filed a bankruptcy in XXXX, this would also be showing up on my other two credit reports but it never has. I am attaching a screenshot from a recent report which shows this fact. Second, there are no negative accounts listed on my report that show any indication I ever filed for bankruptcy. How can I have a bankruptcy if there is nothing listed on my report to suggest I ever did? This should be very straightforward but is something Transunion has continued to ignore in all of my past disputes. Last and most importantly, I have contacted the XXXX XXXX Bankruptcy Court to the XXXX number provided in Transunion 's responses. The information they have does not match my personal information. I was told I would need to dispute this with Transunion in order to get this removed. If all this is true, how can Transunion respond to my dispute verifying that this is my account? My dispute is being disregarded as frivolous when it is really Transunion failing to process my dispute properly.

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 2022-04-03
Company: Dimand Law Offices, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I informed Dimand Law PC ( XXXX XXXX ) that this lawsuit was out of spite because it did not not belong to me it was fraud. XXXX and XXXX lied about the removal of the negative item and erroneous ; y reinserted the item through a lawsuit, Sent a copy of the complaint showing that XXXX agreed to remove the information from my report. Law firm ignored my rights and pursued the lawsuit. I do not live in XXXX XXXX Illinois and I informed them of that and they still pursued the lawsuit. They sent law enforcement as well as debt processor to an address that I do not reside causing an alarm in the neighborhood. Residence in the neighborhood are on high alert due to the actions of Dimand PC, XXXX XXXX XXXX XXXX and XXXX. All three entitys are running a criminal enterprise preying on XXXX XXXX XXXX people by trying to collect on old charged off credit cards debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions 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:
On XX/XX/2022, the law firm that is representing me XXXX XXXX sent Experian a letter informing them that they has sent a letter to the creditor XXXX  that is currently listed on my Experian credit report informing XXXX that they are currently in violation of Pursuant to the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, UCC 9.506, the Florida Motor Vehicle Installment Sales Agreements and Retail Installment Sales Agreements, demand is made on behalf of XXXX XXXX XXXX for your company to remove the inaccurate information from her credit report pertaining to XXXX Account number ending in XXXX. XXXX did not comply with the letter sent by XXXX XXXX  so they proceeded to contact Experian since they continued to report the account. Summary of letter sent to Experian Re : Alleged Debtor : XXXX XXXX Creditor : XXXX XXXX Our File Number : XXXX Dear Sir or Madam : You are hereby given notice, pursuant to 15-U.S.C.A Sec. 1681i, that XXXX XXXX disputes the debt of a creditor listed in her credit report prepared by you. The item disputed shows a collection record by XXXX. Previously, we reached out to XXXX regarding the referenced debt demanding that they provide verification. Although the statutory 30 day period has expired, thus far, they have failed to validate the debt. Under the provisions of the above act, you must reinvestigate the item and if the item can not be verified or is inaccurate or incomplete, you must promptly modify or delete that item of information from XXXX XXXX file, as appropriate, based on the results of the reinvestigation. You are reminded that it is up to you to justify the debt after investigation. You may not simply copy a self-serving letter from a creditor without some attached proof. Also, you are reminded that, under the Federal law, if you fail to perform your responsibilities, you may be held liable for XXXX XXXX attorneys fees.

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 2022-01-05
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, my wife and I applied to refinance our existing mortgage with PenFed Credit Union and received an initial loan estimate. Section C of the loan estimate listed the following fees as fees that we can shop for : Title Service, Settlement Fee and Overnight Fee. My wife and I promptly informed PenFed on XX/XX/XXXX that we would like to shop for all 3 services and informed PenFed of who would be satisfying the services. On XX/XX/XXXX, my wife and I received another loan estimate from PenFed and those fees noted above were all listed under section C, still. On XX/XX/XXXX, PenFed sent my wife and I an initial closing disclosure where the Title Service fee was listed in section C but the Settlement Fee and Overnight Fee was migrated to Section B, the section where fees are listed that we can not shop for. My wife and I promptly contacted PenFed and we were told that we can use our own settlement attorney or an additional fee but my wife and I would still need to pay the settlement fee for PenFed 's attorney. My wife and I contested this decision since this was not what we were informed of and contradictory to all communications throughout XXXX and XXXX with various representatives at PenFed. Moreover, the Overnight Fee was not a fee to be collected by my wife and my attorney. XX/XX/XXXX my wife and I receive an updated final closing disclosure that includes a lender credit to cover the XXXX XXXX for PenFed 's attorney but there is no lender credit for the Overnight Fee ( {$90.00} ). Additionally, there's a new fee ( {$60.00} ) to cover the cost to satisfy an old lien that PenFed left outstanding on my wife and my home. My wife and I promptly contacted PenFed and we were informed via verbal communication and email that we should close the loan and that the concessions for the {$90.00} and {$60.00} have been submitted and that following the closing, my wife and I would receive a refund for those fees. My wife and I closed on the refinance of our home on XX/XX/XXXX. XX/XX/XXXX, my wife and I contacted PenFed to inquire about the refund of those fees and we were told that the {$60.00} wouldn't be credited because this was a fee that they believe they shouldn't cover and the {$90.00} overnight fee will not be refunded since the fee was migrated from section C to section B and my wife and I closed on the loan knowing these fees were chargeable. Albeit small fees, it is wrong that PenFed deceptively listed the fees as those we can shop for then conveniently slides the fees to the section of fees that can not be shopped for. We believe this was intentional and that it's important for other consumers to be aware of these financial practices and lack of transparency from PenFed.

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 2019-04-09
Company: Experian Information Solutions Inc.
State: CT
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:
In XX/XX/XXXX I applied for a loan for my vehicle. They filed it incorrectly with multiple agencies, and it is coded wrong. So instead of it being 1 hard inquiry in the 30 day grace period for an auto loan, I have XXXX hard inquiries. 

" Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Coded as a Personal/Financial loan XXXX XXXX Inquiry from XX/XX/XXXX Coded as a Bank loan AXXXX XXXX, XXXX Inquiry from XX/XX/XXXX Coded as a Travel/Entertainment loan I have contacted each Institution and they told me I needed to contact the Dealership that applied for my loan. 

I contacted XXXX XXXX at XXXX, XXXX XXXX, XXXX, CT  XXXX multiple times over the past 2 years, all of my messages were unreturned. Then in XX/XX/XXXX I had someone get back to me and they told me it wasnt their problem that it was coded wrong and I needed to contact the institutions. I did and the institustions said the same thing they had in the past, that I needed to contact the dealership. Then the dealership said I needed to contact XXXX XXXX. I have already contacted the 3 major credit agencies and nothing has been resolved.

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 2019-04-09
Company: EQUIFAX, INC.
State: CT
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:
In XX/XX/XXXX I applied for a loan for my vehicle. They filed it incorrectly with multiple agencies, and it is coded wrong. So instead of it being 1 hard inquiry in the 30 day grace period for an auto loan, I have 5 hard inquiries. 

" Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Coded as a Personal/Financial loan XXXX XXXX Inquiry from XX/XX/XXXX Coded as a Bank loan XXXX  XXXX, XXXX Inquiry from XX/XX/XXXX Coded as a Travel/Entertainment loan I have contacted each Institution and they told me I needed to contact the Dealership that applied for my loan. 

I contacted XXXX XXXX at XXXX, XXXX XXXX, XXXX, CT XXXX multiple times over the past 2 years, all of my messages were unreturned. Then in XX/XX/XXXX I had someone get back to me and they told me it wasnt their problem that it was coded wrong and I needed to contact the institutions. I did and the institustions said the same thing they had in the past, that I needed to contact the dealership. Then the dealership said I needed to contact XXXX XXXX. I have already contacted the 3 major credit agencies and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I previously submitted a complaint in regards to the incorrect information that XXXX agents have provided me. However, just recently I spoke with 2 supervisors who confirmed that the repossession reporting on my credit profile for XX/XX/2018 is in accurate.

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