BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: AL
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:
Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title XXXX XXXX... was XXXX XXXX XXXX XXXX XXXX  it's reporting under the law they can't do this never received notes from these companies of being late..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: United PanAm Financial Corp.
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:
UACC has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Experian Information Solutions Inc.
State: TN
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:
This account popped up on my credit and it is not mines. I have filled out all the correct docs to show that i am a victim of identity thief and will attach the ftc report with this complaint. Please block and remove this from my credit please XXXX  XXXX  XXXX  Account Number : XXXX XXXX / 2019

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 2022-01-21
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have consistently called and mailed Equifax to remove inaccurate reporting on my credit report. I have called numerous times and have sent certified mail to their fraud department. I have filed an FTC report and provided the information they have requested. I called again today to ask the status of the removal of inquiries and I have been told something different every single time I call by a different agent. I have requested to speak to supervisors, but I get lost in the transfer or hung up on. I have not had any success with this company and it has been months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I deposited a check for {$33000.00} into a Chase Bank account on or about XX/XX/XXXX. The account had had {$4000.00} in it for at least 10 months prior. Chase shortly ( within a day ) thereafter sent me a letter indicated my account would be closed and funds would be returned to me. I received a letter on or about XX/XX/XXXX, including a check dated XX/XX/XXXX, in the amount of {$4000.00}. I contacted Chase at the number listed with the check ( XXXX ) and, after arguing up to a manager, was told that Chase would call me back within 24-48 to clear the funds. No one called. On XX/XX/XXXX, I contacted Chase 's executive office ( XXXX, speaking with XXXX ) and explained that I had not received my funds and had not been given a reason why the funds were not returned. XXXX opened a case with the executive office and " made the case urgent. '' I was told that someone would contact me within 24-48 hours. No one called. On XX/XX/XXXX, I contacted Chase 's executive office again ( XXXX, speaking with XXXX  ) and was told that I would receive a response by the next morning ( today ) between the hours of XXXX and XXXX  pacific time. Still, no one has called.

There has been literally one transaction on this account in the last ten months -- a deposit of {$33000.00}. Chase closed my account for no reason given and is holding my funds, again, with no reason given. I have been repeatedly lied to about their response to my complaints, even to their executive office. Additionally, I have spoken with the check maker who informed me that the funds cleared his account on XX/XX/XXXX -- an entire month ago. Chase bank is in violation of Regulation CC and, if funds are not returned immediately, will be facing penalties at law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2022-10-19
Company: NAVY FEDERAL CREDIT UNION
State: MD
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 XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Last XXXX, my wife received a letter from US Bank. If you open a new checking account, and with direct deposit {$5000.00} more within 60 days, you will receive {$400.00} bonus. I called the US bank to confirm that I didn't receive the letter, can I open a new account to get the reward. The representative said that you can open the account on line and use the promo code : XXXX to have a same reward. 

I opened a new account on line on XX/XX/XXXX, and direct deposit {$6100.00} through my employer before XX/XX/XXXX. Those will qualify to get {$400.00} bonus. 

But I didn't receive any bonus. I called US Bank many times, they said that you will receive the bonus because the computer system will take time. I keep calling every couple of weeks. They gave me different answers. 

In XX/XX/XXXX, I went to US Bank Branch in XXXX, Ca. She said that she will research the issue. She gave me an answer is that the reward gives the letter receiver. 

I explained to her. She does not want to listen.

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 2019-12-27
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019, I send {$50.00} + 3 fee Minutes later, I got the following message, Dear XXXX, We're sorry, but your bank declined your most recent payment to Western Union. We want to help you complete this transfer. Here is what you can do : 1. 
Please call the number on the back of your credit or debit card and ask the bank to approve your Western Union transaction. 
2. 
Then try your transaction again with the same credit or debit card. If you still need help, please call Customer Care at XXXX. If it happens again, please try another credit or debit card. You can also pay with your bank account, but you will need your routing and account numbers. Or you can send money to your receiver through your bank without sharing your bank information, like bill pay. Learn more about this option. 

We're sorry for the inconvenience. Thanks for using Western Union. 

When I called the number, I was answered by a voice telling me that I have a debt. That person was making threats. That same person is still calling my number and leaving threatening messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I purchased a new car in early XXXX of 2017 from XXXX XXXX in XXXX XXXX, Va and have XXXX hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX report. I also have XXXX hard inquiries on my TransUnion report from 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 2018-01-07
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient has been adding more money to my balance on my # 4 stafford loan. This has happened twice. Once in XXXX and then again now in XXXX. Talked to them once about first time and gave me no excuse for this nor did they fix it. This last time they added over {$600.00} extra to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the XXXX  time I've updated this questionable information by sending a XXXX  to the XXXX XXXX  bureaus. I believe XXXX  have violated Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by failing to verify these items, and I will take legal action against XXXX  as a result. This was previously mentioned in my previous COMPLAINT XXXX, and XXXX  including it XXXX  more. 
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 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 non-monetary relief
Consumer complaint received 2018-02-10
Company: COAST PROFESSIONAL INC
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
After having my husband 's tax return seized I contacted the department oof education today to find out that my student loans are in default and with a debt collection called Coast Professional Inc whom I've never received any mail or voicemails or emails from. They have had my account for a year and documented that they only sent me one piece of mail almost a year ago. They said they have called my phone but it's against their policy to leave a voicemail message. I have no records of their numbers calling me within in the last few months. I received no notice that our tax return would be seized. I am a XXXX XXXX XXXX mom who XXXX and I have no income and no access to my husband 's income or information. XXXX XXXX XXXX has stated that the only way they will allow me to do the rehabilitation program is to give them very detailed information from what my dental and hospital bills are to my cell phone bills to everything including everything about my husband. This is not his debt, only mine and I will not provide them with any information. I want my loans released from Coast Professional Inc and transferred to XXXX where my other student loans are current, on a repayment program, and I have maintained contract with for months now after completing another rehabilitation program without my husband 's information. When I asked to have my loans released to XXXX they tell me to call the department of education. When I call the department of education they tell me to call Coast.  I need help desperately to resolve this issue. I'm very willing to make payments even without having an income but I can not do so if they won't even allow me to sign up for their program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
It has been longer than 4 days and consumer reporting agency still reporting the accounts to the credit bureaus. My reputation is being tarnished and I am trying to get a home but can not due to these fraudulent accounts. Some accounts has been removed but all needs to go.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITER CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2022-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Company closed account and marked restricted I have had ZERO issues with capital one of any other credit card in my life. 

My bank account attached was compromised of which they were advised and I informed I prefer debit Pmt but it was not enabled so they would typically take through phone or certified. 

My account info May have been attached to old phone otherwise no issues at all they advised they were reopening for weeks then they said they couldnt reopen but they were removing restriction mind and still not done Mind you Ive been laying like clockwork all along since this time Ive paid in full the other not much further to go This is absurd one supervisor says oh youre blacklisted but thats weird you have good history otherwise this shouldnt be the case let me get you to fraud i get to fraud we have no idea why you were transferred to us there are no issues and we dont do blacklists? Well a 2 sec XXXX search and multiple supervisors say otherwise. 

I read horror stories of people ripping them off and simply filing bankruptcy and getting approved for thousands thereafter but my under {$900.00} account that is pays timely is restricted and I am blacklisted mind you I have an auto through you never an issue either and substantially more per month

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have several accounts on my credit report that does not belong to me. I have disputed these accounts several times and this collection agency continues to put this debt on my credit report. 
Transunion, XXXX, XXXX, XX/XX/XXXX XXXX  XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX  XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX  XXXX  placed a Hard Inquiry on my credit XXXX XXXX XXXX XXXX XXXX  XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX  XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX added a collection account on my credit report {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX *XXXX  XXXX  placed a Hard Inquiry on my credit *XXXX  placed a Hard Inquiry on my credit *XXXX placed a Hard Inquiry on my credit *XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX XXXX  XXXX placed a Hard Inquiry on my credit XXXX XXXX  XXXX  card {$250.00} XXXX XXXX  XXXX  {$20000.00}

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2022-10-19
Company: Shellpoint Partners, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
QWR and DVR to XXXX XXXX XXXX XXXX XXXX [ now part of XXXX XXXX XXXX meged with NewRez LLC ) re undated newly produced Allonge to her Promissory Note. 
On XX/XX/XXXX XXXX XXXX XXXX lawyer XXXX XXXX sent XXXX her non-endorced Note and two standing alone Allonges. 
One Allonge was dated XX/XX/XXXX, allegedly from XXXXXXXX XXXX  XXXX to XXXX XXXX XXXX XXXXXXXX ( Caliber ) prepared allegedly by XXXX XXXX XXXX XXXX. 
XXXX XXXX ( which appeared for first time from XXXX ) is undated, and prepared allegedly by XXXX post closing XXXX XXXX XXXX. 
According to this XXXX, the payee is XXXX while other parties demand payments from XXXX acting under glimpse of XXXX. 
XXXX demands disclosures and verification. 
Caliber must state when this Allonge was created and provide the actual date and office location where this Allonge was created. 
Caliber must disclose the full name of the Seller of XXXX XXXX, when and where this XXXX was sold, who was the buyer and proof of payment of this loan such as copies of wire transfer receipt, ACH or cancelled check. Please state names of each individuals for the seller and buyer who were involved in this transaction. 
Please disclose if this loan was recorded as an asset on Calibers books and records after this purchase and provide me copies of these records ledger of account receivable where my Note is recorded as an asset. 
Please confirm that Caliber is the current owner of my alleged obligation ; and warrantees of this ownership from an authorized individual officer of Caliber. 
Please provide the name of custodian of my original Note and the place where this Note and my Mortgage are currently located. 
Please make sure that all responses are wet-ink signed by an officer who is responsible for Calibers accounting or bookkeeping. 
XXXX XXXX

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 2023-07-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023, I went to the car dealership XXXX XXXX to purchase a vehicle. Before going to the dealership, I applied for financing via their website. I did so because I was told this would preapprove my auto loan and prevent the dealer from having to run inquiries on my report for a loan. 

2 weeks after the vehicle purchase I received multiple letters from different financing companies claiming I had requested a credit inquiry. I investigated further into the issue and found that the dealership and put 12 inquiries on my credit report without my consent. 

I have attempted to call the dealership multiple times in an attempt to reach the finance director to request a deletion letter to remove the inquiries from my credit report. 

I reached out to all 3 credit bureau with little success. The bureau 's claim I need to deletion letter from the dealership since I did not consent to the inquiries. 

I am submitting a complaint because the dealership refuses to answer any of my phone calls or voicemails

Company response to consumer: Closed with explanation