BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: PA
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 accordance with the fair credit reporting act XXXX Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Problem with personal statement of dispute

Complaint:
Transunion admitted on investigation results of using old info and never validating any the debits listed below. 
Under 15usc1681 parts A, B, C The Federal law allows me as the private person due process and transunion has broken Federal law. 
1, XXXXXXXX XXXX 2, XXXX XXXX 3, XXXX XXXX XXXX card ( bank ) 4, XXXX XXXXXXXX XXXX card ( bank ) 5, XXXX .account paid with promise of removal and still being reported. 
Also this account was reported as fraud and still on my credit No investigation was done. 
6.XXXX XXXX XXXX XXXX XXXX 
3 accounts all 3 never investigated all was still on my credit from past remarks only. 
7, XXXX XXXXXXXX XXXX bank No investigation was done. This was reported as fraud.Also being reported by Original creditor and XXXX XXXX which violates Federal law. This shows no investigation was done. 
Please file complaint against transunion credit for failure to abide by federal law and 15USC1681 parts A, B, C All pertaining to failure to comply with federal law and credit reporting guidelines. 
Only outcome is acceptable is the removal of all these accounts on my negative transunion report. 
And done with prejudice under federal law allowed 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 non-monetary relief
Consumer complaint received 2022-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a bill for a credit card under Capital One. Then later on, when I pull my credit report to prepare for a mortgage loan, on my credit bureau report, there is an unpaid balance of XXXX under my name and account number is XXXX. 
However, I never had any credit card account with Capital One. I only have a debit card, and my Capital One app also doesn't show any of Credit Card. 

XXXX and XXXX XXXX apps also didn't show this card. 

I don't understand why do I have an unpaid balance although I have never opened a credit card with Capital One. 

Please help to address this and remove this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX : {$530.00} XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance XXXX {$37000.00} XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: KeyStone Financial ,LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Before I was laid off I was paying debt to Keystone financial and once I was sent home several days a week so my checks were short then I was laid off my job I told them every step of the way. I've been laid off since XX/XX/2021. I just really started getting my unemployment and I have to budget that for lights, rent, gas, phone, food, and car insurance. I've tried to work with them and on Friday XX/XX/2021 I was called and I was at a wedding and when the wedding was over I really forgot about the call. On Sunday after church I had a voicemail from XXXX and the message was from Saturday XX/XX/2021 and on the message he told me that he thinks I'm dodging him and that he is coming to take my car! The number he called me from on Saturday I didn't answer because it was a number I didn't recognize from Maryland and come to find out when I checked voicemail it was XXXX 's personal phone and he called me on Saturday when the office isn't even open. When I applied for the loan I didn't realize the interest amount and they paid off a title loan for me and now they say I'm in debited to them for {$8100.00} off of a {$2000.00} dollar title loan. I'll never be able to pay this off and I'm afraid he's gon na come and take my car. I'm wandering how am I suppose to live if I give them all the money I'm getting for unemployment. I really hope that you can help me with the situation at hand. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
I sent a letter dated XXXX requesting to close my account because I can't afford the membership fee because I have been out of work due to XXXX. I also asked Capital One to consider waiving my membership fee, and I would keep the card. 

My account was closed on XXXX XXXX XXXX, and my membership fee was not credited to my account. I called on XXXX and spoke to a representative, and they said they couldn't remove the membership fee. 

Why would Capital One cancel my card AND charge me a membership fee for a card that I can't use or afford? 

On XXXX I sent an email to XXXX XXXX XXXX of Capital One in an attempt to get a fair resolution. 

I received a phone call saying that my fee cant be waived because I missed the timeline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 pulled up my credit report and noticed a lot of inquiries. I have 3 inquiries I am aware of I did not authorize any of those companies to run my credit. I am very concerned about what I see here especially since i did not give anyone permission to pull only one I initiated is XXXX XXXXXXXX did not properly investigate my request to review the unauthorize credit inquiries which is damaging my credit profile.

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 2023-02-28
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/2021 I mailed documents to Experian documents including a police report stating someone used my identity. On XX/XX/2021 I attempted to upload my ID and Police report to experian.com/upload. 
the upload process is close to impossible. I made many attempts to first upload the 2 page police report. after 10 attempts to upload the police report and ID I was still unsuccessful. I then split the PDF document into 2 pages and attempted to upload the police report. This time it was successful. Why doesn't Experian inform people that they must upload each document seperately? I then attempted to up load my ID in black and white as Experian requested and i have still been unsuccessful. 
On XX/XX/2021 I called Experian to confirm that the at least received the police report and they said there was no files they received. I explained to Experian that I have screen shots stating that my upload was SUCCESSFUL. I was told they would call me back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX, has violated my rights. 



15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: FIRST CENTENNIAL MORTGAGE CORP
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
First Centennial Mortgage claims that my loan was set up with an Escrow shortage from the get go. Initially I was informed that my homestead exemption was missing. I obtained the exemption from XXXX XXXX  and sent to First Centennial. I requested they perform a new escrow analysis. First Centennial is looking to raise my monthly payment by {$50.00} per month. They are also now not applying my payment correctly and are charging me late charges. Ultimately, they informed me that my homeowners insurance rate has gone up {$70.00} and that my taxes have gone up, this paired with the initial shortage make it that my monthly payment needs to go up. I have asked that they perform a re-analysis and send it to me. They claim they have, I have yet to receive it. I should not be charged late charges, nor should I have to pay and extra {$50.00} per month. I have reached out to my initial mortgage agent to. They have not been responsive either. I am being bullied into expanding my monthly payment and I should not have to. The numbers do not add up for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 

A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2020-02-26
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Have 4 loans open through Navient all for college everytime I try to get my payments lowered they would just delay my payments and keeps upping the interest on it when Ive called several times to ask to change it to income driven payments they just say to keep it on the payment delay. I am currently out of work due to having a baby and their interest rates keep racking up higher and higher and nothing is being done. And when I ask what repayment plan Im under they wont tell me and its not listed anywhere on my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: PA
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 accordance with the fair credit reporting act XXXX Account, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: JPMORGAN CHASE & CO.
State: FL
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:
My Chase credit card was closed by Chase with no explanation. When I called to ask, they would not let me know why they closed my account. I would like the following : 1 ) An explanation of why my account was closed, and 2 ) Credit of the {$95.00} annual fee that I paid and now do not have use of this card. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-06
Company: GREAT LAKES
State: CA
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:
Recently, I was contacted by my current universities financial aid department in regards to an inability to obtain funding for me due to a previous loan being in default. This came as quite a surprise to me as I've been in deferment these past few years. My default status is not accurate and, as such, I feel as if I've been wronged. I understand the responsibilities of being a federal student loan borrower ( and I've no problem meeting my obligations if they're accurate ) however, I do believe this situation to be an oversight. I've been shuffled about to various 3rd party collection agencies today and not one of them has given me a satisfactory answer as to why they have no record of my forbearances. My email address is XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Notified XXXX XXXX on XX/XX/2020 that a atm had debited my account but failed to dispense cash. Amount of charge was XXXX. Ten business days have passed without any response or credit. I believe this is in violation of federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: WA
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:
Experian XXXX XXXX are not complying causing me discrimination and they admit to it neglected XXXX past time to fix by law.wheres the protection

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