BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
these credit reporting agencies are BREAKING THE LAW and my privacy rights. 

Every time I put in a complaint they are replying with generic computer-based responses that gets closed out and never addressing the situation. they have repeatedly ignored my concerns and broken the law on several occasions and I am tired of it. 

I have lost my confident in the banking system and these elaborate mechanisms to do anymore business with them and I am no longer extending my credit. 

Pursuant to the 15 U.S Code 1681 ( a ) ( 1 ) the banking system is dependent on fair and accurate reporting and I have been treated unfair 15 U.S Code 1681 ( a ) ( 4 ) says it is their GRAVE responsibility to respect I, the consumer, rights to privacy and they are disrespecting my demands to protect my right to privacy. I have contacted XXXX, XXXX, and TransUnion multiple of times to delete accounts due to my privacy rights and I no longer want some accounts furnished on my credit report anymore which is my federal right to do so. 

I demand that they respect my right to privacy and delete the following accounts listed below XXXX XXXX XXXX XXXX XXXX delete all late payments from XXXX XXXX XXXX and comments

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 2018-01-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
If we would of known we can complain here we would of done it at the moment. The problem was with Fifth third Bank. It is a little long to write here would prefer phone call to explain, but a little is since the first month of the payment due we were wrongly charged late fees us nit being aware that the first payment was not applied do to it was not withdrawn from iyr bank account and from there were charged every month a late fee for that very first month for over 2 years. Every month was a late payment charge ys not being aware until approximately a year later if that late payment. Us thinking we were on time every month abd up to date. When we received our first xmcall with that nonsense after arguing our right abd trying to get them to understand we ended up paying the late fees around one thousand dollars. They kept calling after that! Claiming we were behind again and every month was a new late payment since they consider every month to be behind a month. My husband is XXXX and would get translaters and were really rude. I really wish we had the dates abd names of workers but we dont. He was treated wrong and once they even hung up on us since a English person answered he was asking me what the my were saying abd they hung up when they heard me translate because they said there could not be others in background speaking. I did threaten to sue and i would of if i knew Consumer financial protection bureau existed at the time. I believe my husband deserves more. He did receive a settlement for the lawsuit against high interest rate for XXXX, but i do think our situation with them was stressful the time we had that vehicle with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX, XXXX, Experian : While I opted into use these services ( by way of signing up for credit lines ), I really had no choice. There has now been a data breach caused by their ineptitude, where my details are now for sale on the XXXX market, and yet I am expected to PAY to freeze my credit and protect myself. 

I could not reasonably avoid sharing my data with these companies, but I 'm expected to pay to protect the data they took from me and lost?

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 2022-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
last week i applied for a capitol one savor card application number XXXX because they kept sending me preapprovals. they deined me because i had a credit alert on my XXXX account confirmation number XXXX which is now been fixed and my contact phone number is on my alert now. i have sent them documentation, i have sent letters to the ceo 's office, i have sent 2 complaints to the XXXX in va and they still kept turning me down because they want me to reapply and do another credit check on me. i am not doing that because they should be able to still see my credit report from last week and i am not pulling down my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: DISCOVER BANK
State: NY
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 a victim of fraud on XXXX XXXX 2017. An individual pretended to be an IRS agent and told me that I had owed a one time charge from Federal loans from school. This individual had all of my personal information, including the address of my workplace and as well as my background information. He gave very specific instructions and that I should follow or else they were going to arrest me with a warrant on the same day. 

Feared for my life, I ended up purchasing gift cards at two different XXXX stores on the same day which totaled up to XXXX. When I finally found out that I was being scammed I had immediately called the police, notified discover about the incident and went to one of the XXXX stores to see if there 's anything that I can do. At the store, the associates had informed me that there was n't anything left on any of the gift cards and gave me a number to call to seek better help from XXXX. When I called the next morning, the associate on the phone had informed me that they 've known about scams such as for the last two years and that my loss is minor in comparison to others. 

After about a month and a half later, I had called XXXX once again for a related issue. This time around, an associate had was actually kind enough to see if there are any balances left on any of the gift cards. To both of our surprises, there were actually balances left in one of the cards but we were a step too late as the individual had actually already made a purchase right before we were able to stop it. The associate had informed me that the detective will be able to trace purchases made as they have cameras installed in stores. 

Right after I got off the phone with the associate, I contacted the lead detective on my case immediately and translated the piece of information over. To my surprise, she was confused as well since when she had reached out initially, XXXX had informed her that there is no balance left in any of the gift cards. 

I then had also reached out to Discover, who had informed me multiple times on several phone conversations that they will be able to cover my loss initially but went back on their words and pretty much told me that I 'm responsible for the charges unless I have further evidence. When I had contacted them with further evidence, they had told me that they do not accept recordings or police report and that the case is closed. But I do n't see that written anywhere on the website besides being told verbally over the phone. So now I 'm buried with charges that I was informed initially that I wo n't have to be responsible for and have absolutely zero help from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX, I borrowed {$10000.00} to complete my XXXX XXXX degree. I have been paying what I can afford, in some cases more than I can afford, and applying additional payments to drop my principal amount owed for the past 9 years ( total amount of payments : {$8800.00} ). To date, my current balance with Navient is {$9900.00}, less than {$300.00} from what I originally borrowed, despite my thousands of dollars in payments and additional payments towards principal over the past 9 years. I believe Navient has been applying my payments and additional payments to interest rates and future interest rates ( rather than to my principal ) without my knowledge in order to keep me indebted to them for decades. Please find below a list of transactions over the most recent year. My monthly payment is due on the XXXX each month, yet I made additional payments. My regular payments consist of {$12.00} going to principal with {$50.00} go to interest. My interest rate is only 6.550 %. Also, instead of applying my additional payments to principal, Navient applied portions to future interest payments. Date Description Principal Interest Fees Total XX/XX/XXXX PAYMENT ( {$65.00} ) ( {$53.00} ) {$0.00} ( {$110.00} ) XX/XX/XXXX PAYMENT ( {$11.00} ) ( {$55.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$24.00} ) ( {$43.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$89.00} ) ( {$10.00} ) {$0.00} ( {$100.00} ) XX/XX/XXXX PAYMENT ( {$14.00} ) ( {$53.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$63.00} ) ( {$3.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$21.00} ) ( {$45.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$60.00} ) ( {$5.00} ) {$0.00} ( {$66.00} ) XX/XX/XXXX PAYMENT ( {$10.00} ) ( {$57.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$10.00} ) ( {$57.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$11.00} ) ( {$55.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$9.00} ) ( {$57.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$21.00} ) ( {$46.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$60.00} ) ( {$9.00} ) {$0.00} ( {$70.00} ) XX/XX/XXXX PAYMENT ( {$26.00} ) ( {$41.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$53.00} ) ( {$16.00} ) {$0.00} ( {$70.00} ) XX/XX/XXXX PAYMENT ( {$56.00} ) ( {$11.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$200.00} ) ( {$48.00} ) {$0.00} ( {$250.00} ) XX/XX/XXXX PAYMENT ( {$9.00} ) ( {$58.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$7.00} ) ( {$60.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$9.00} ) ( {$58.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$7.00} ) ( {$60.00} ) {$0.00} ( {$67.00} ) XX/XX/XXXX PAYMENT ( {$13.00} ) ( {$54.00} ) {$0.00} ( {$67.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: EQUIFAX, INC.
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:
On XXXX XXXX, 2017 these two accounts were deleted from my credit reports after a dispute I filed on both the accounts. Now both accounts have been added back to my reports without the bureaus giving me the proper notifications that they would be added back which is a violation of FRCA SECTION 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: Experian Information Solutions 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:
I have disputed : XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX  XXXX {$320.00} XXXX XXXX XXXX {$810.00} Since XX/XX/2021 for seven ( 7 ) months. Each of the accounts listed are inaccurate and unsubstantiated. I have disputed this information with Experian, XXXX, and XXXX without success. 

These debt collection companies are furninshing unsubstatiated damaging information to my credit report without regard.

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 2019-11-10
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never recieved any documents verifying any form of ongoing contract or financial obligation to the company. I have disputed this information with XXXX  and the company has provided false information to XXXX  stating I have an existing obligation to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and 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 2017-07-28
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:
The issue of Equifax reporting and sharing this erroneous information has persisted for a very long time even though the information is being reported under my Satisfactory Accounts History. The Account was closed by me XX/XX/XXXX ( XXXX XXXX XXXX ) has and is reporting that the account was closed in XX/XX/XXXX. My requests to Equifax has gone unaddressed they sent me a Notice that my Credit File was being placed under Fraud Alert and XXXX XXXX and XXXX would also receive a Notice. This was and is done without my " REQUEST or AUTHORIZATION ''. XXXX XXXX and XXXX both have removed the over 10 years history from my Credit File and again I want Equifax to do the same as soon as possible and end the erroneous and incorrect reporting..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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:
I have disputed : XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX  XXXX {$320.00} XXXXXXXX XXXX- XXXX {$810.00} Since XX/XX/2021 for seven ( 7 ) months. Each of the accounts listed are inaccurate and unsubstantiated. I have disputed this information with XXXX, Equifax, and XXXX without success. 

These debt collection companies are furninshing unsubstatiated damaging information to my credit report without regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America charged me a late fee of {$25.00} on XX/XX/2021. I was suffering from XXXX and it slipped my mind to make a payment before the due date of XX/XX/2021. I made the full account payment on XX/XX/2021, but this was Sunday, so the payment was not credited until XX/XX/2021. 
They charged me the late fee. I asked them to reverse it, but they did not agree.

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 monetary relief
Consumer complaint received 2022-01-17
Company: Experian Information Solutions 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 have reported and had this account investigated multiple times with Experian and XXXX but both credit bureaus failed to update the inaccurate reporting. XXXX has continued to re age this account. Attached is evidence that XXXX has re-aged this account again in XX/XX/2021 which is a violation. The date of last active is totally different from Experian and 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 2018-01-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reached out to XXXX who has responded, however XXXX, Equifax and XXXX still reports fraudulent inquiries from a XXXX account that someone fraudulently attempted to use with my social security number. I still show the following inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a customer for XXXX. I had one open line for service. Every time the bill is mailed they always went up on my bill never told me just keep adding other charges that i never set up with them. the debt collectors would harass me every time calling by different numbers and being rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reached out to XXXX who has responded, however XXXX, XXXX and Transunion still reports fraudulent inquiries from a XXXX account that someone fraudulently attempted to use with my social security number. I still show the following inquiries on my credit report.

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 2018-01-04
Company: ALLY FINANCIAL 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 DID NOT AUTHORIZE THIS INQUIRY

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 2022-10-06
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: Their investigation did not fix an error on your report

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX received voicemail from XXXX that said unless I called back I would be served with a summons. They stated to call XXXX to resolve. When I called that number they stated I could pay XXXX over the phone or wait for the summons Monday and pay over 1000, the rep said the company name was XXXX XXXX. Called the bank they referenced and the bank stated my account was closed in XX/XX/XXXX in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt disputed XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Asked for validation on 3 different occasions XXXX XXXX sent nothing but a bill with totally different last name and address not associated with me. No social security number or identification attached. After a few attempts it was deleted from credit bureaus file. I 've recently noticed the same debt placed back on all three credit bureaus under a different collection agency Diversified Consultants , Inc . I immediately asked for validation it 's the same information from previous collection agency that I originally disputed.

Company response to consumer: Closed with non-monetary relief