BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX/XXXX/XXXX I was not notified by a friend to log in at Equifax to find out if I was XXXX of the people whose information was hacked at Equifax. After logging in last night at Equifax and learning my information was compromised I spent the whole day on the phone and online trying to get information and get a credit freeze. First I tried the phone- hours and no getting through. Online at Equifax there was a continuous loop of going nowhere. The online questions about my past phone numbers that I could not remember blocked me out from freezing it online at XXXX. I was only able to freeze my credit with XXXX XXXX. XXXX response if non-existent. I have spent the entire day so far trying to freeze my credit. Why is this all on the consumer? The stress of having all my information hacked with no help is infuriating!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: TX
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  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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Upstart : Acct # XXXX, XXXX : Acct # XXXX, XXXX : Acct # 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 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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 2020-04-27
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:
My bill was due on XX/XX/XXXX and the bill was paid on that date and they charged a late fee because it wasnt a paid by XXXX. Right now with this pandemic I dont know if I am going or coming how do they get to charge a {$25.00} late fee for not even being a day late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES FOR : 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 2018-08-16
Company: COMMERCE BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
To Whom This May Concern, Last year, XX/XX/XXXX XXXX XXXX, I sent a message through my bank 's online contact service to revoke courtesy overdraft to stop being charged overdraft fees ; however, I recently discovered this was never changed on my account. Therefore, I have been charged overdraft fees ongoing YTD, regardless of my request on XX/XX/XXXX, totaling {$800.00} from my financial institution, Commerce Bank. Prior XX/XX/XXXX I was charged {$460.00} in fees, thus propping my decision to revoke the overdraft protection policy. ( XX/XX/XXXX, {$72.00} ; XX/XX/XXXX, {$35.00} ; XX/XX/XXXX, {$70.00} ; XX/XX/XXXX, {$100.00} ; XX/XX/XXXX, {$0.00} )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i submitted dispute with XXXX XXXX, and experian regarding collection on account XXXX XXXX XXXX XXXX XX/XX/18 and current results were that account was accurate how can it be if it wasn't fully investigated. I provided factual documentation to support reason to why the charges are inaccurate and that i am not responsible for debt today results for experian was completed and online but it would not let me dispute error on website unless there is something wrong with their system this needs to updated and deleted from credit report immeditely. i need adequate proof this is owed i want to know what XXXX XXXX XXXX  is providing you to say this debt is accurate have you contacted waterford grove original creditor regarding this account..did you get documentation from XXXX XXXX XXXX beside a lease and ledger car like they provided me. need answers how are you conducting your investigation do you have a team work on this or is this all generated automated .. did you even look through the lease and compare ledger does it align with the contract did you request additional supporting documents. did you request early termination addendum its no way you can say these amounts are accurate and correct to the best of your knowledge when i provided proof of a 60 day notice to management who agreed to let me out of lease she stamped and signed which doesnt hold me liable for amount requested. thank you please review documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2020-11-26
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:
FOLLOW SUIT LETTER To Whom this may concern : I recently challenged the validity of XXXX account that's being reported on my recent credit report. Upon challenged this, XXXX XXXX DELETED the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verify the same account. It is my understanding the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately. 

Best Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i submitted dispute with XXXX  transunion, and XXXX  regarding collection on account XXXX XXXX XXXX XXXX XX/XX/18 and current results were that account was accurate how can it be if it wasn't fully investigated. I provided factual documentation to support reason to why the charges are inaccurate and that i am not responsible for debt today results for XXXX was completed and online but it would not let me dispute error on website unless there is something wrong with their system this needs to updated and deleted from credit report immeditely. i need adequate proof this is owed i want to know what XXXX XXXX XXXX  is providing you to say this debt is accurate have you contacted XXXX XXXX original creditor regarding this account..did you get documentation from XXXX XXXX XXXX  beside a lease and ledger car like they provided me. need answers how are you conducting your investigation do you have a team work on this or is this all generated automated .. did you even look through the lease and compare ledger does it align with the contract did you request additional supporting documents. did you request early termination addendum its no way you can say these amounts are accurate and correct to the best of your knowledge when i provided proof of a 60 day notice to management who agreed to let me out of lease she stamped and signed which doesnt hold me liable for amount requested. thank you please review documents

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 2020-11-26
Company: Mobiloans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was offered a {$1500.00}. Loan from Mobiloans that I accepted, however, a month before the entire loan was to be paid off. Mobiloans placed an additional {$500.00} on my account in XX/XX/2019 that I did not request. 

The {$500.00} made the loan to be {$2000.00}. Nonetheless, when I declined the additional {$500.00} and submitted a letter informing them that I did not request or need any more money, they placed it on my account anyways and therefore, this was without my permission. 

I have called the company several times and communicated with someone in customer services and I was informed that they had received my letters of complaint and someone was looking into it. Recently, I did a credit check and found out, Mobiloan place a mark on my credit report, stating that I owe them. 

They owe me with the high percentages rates and over charging for a few dollars. I paid the {$1500.00}. Owed to them, and I should not have a mark on my credit from this company. 

I did not or needed any more money, but they put it on my account as if I requested it and was debiting money from my account that I do not owe and now this company has made my credit bad. I want this company to resolve this issue and fix my credit report that they destroyed.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-24
Company: EQUIFAX, 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:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XXXX my bill did not go through TOYOTA MOTOR CREDIT CORP - account with 1 missed payment. I am kindly requesting TOYOTA MOTOR CREDIT CORP to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian for requesting proof of identity when I submitted a previous complaint. I had previously submitted a complaint to the CFPB regarding an issue with my credit report. 

In my previous complaint, I provided my account number, name and email address as proof of my identity. However, Experian is now requesting additional proof of identity, such as a copy of my government-issued ID or utility bill, in order to process my complaint. 

I find this request to be unreasonable and a violation of my consumer rights. I have already provided sufficient information to verify my identity in my previous complaint, and should not be required to provide additional proof. 

I request that the CFPB investigates this matter and takes appropriate action against Experian. I would also like to receive an explanation as to why additional proof of identity is being requested, and why it was not requested during my initial complaint. 

Thank you for your time and attention to this matter.

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 2018-08-16
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On an annual basis, PHH requires borrowers to upload renewed insurance information. I pay my flood insurance personally, that is not included in my escrow payment. The portal that they use to upload documents seems to never successfully work ( even though it states " Document upload Successful '' ). Back in XX/XX/XXXX, I received a letter from PHH stating that I was going to be billed {$1600.00} for flood insurance since I did not upload my new policy. I did however, upload my new policy information via their portal and then once again after receiving the letter. My policies are all current. I received a recent escrow analysis stating my escrow was short. The company representative stated {$1600.00} was pulled from escrow for flood insurance, flood insurance I already showed proof of paying. I have had my loan with them since XX/XX/XXXX and they are constantly messing up my escrow balance. For the 1st two years, they could not figure out my taxes and were issuing me a check for approximately {$2000.00} at the close of the year for the overage. An overage which I fought them on numerous times, however they stated they need time to figure it out. They are now stating that even though they doubled down and paid insurance which I showed evidence of, that my new bill is substantially higher to cover that deficit. I refuse to pay anymore than what I should be paying. Thank you for your review into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 payed XXXX  $ to a capital one credit card accidentally from my XXXX XXXX XXXX bill pay. It was a card that is paid in full and no longer active. I never deleated it and clicked it accidentally. I have records from my XXXX XXXX XXXX  showing the transfer of funds.

I have been calling Capital One for 1 month now They refuse to return funds.

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I requested the method of verification for XXXX XXXX XXXX and was never supplied the method of verification. I have attached the original letter that was sent certified mail. The letter was delivered XX/XX/XXXX per postal tracking number. They are going against the fCRA. I want this inaccurate account deleted. The letter was delivered and they never notified me that it was under investigation. They never investigated nor provided me with the method of 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 explanation
Consumer complaint received 2018-07-18
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2017, I paid on my XX/XX/XXXX payment. 

The payment was made on the phone and through automation, which has and keep my payment information. The payment was made on the XXXX and there is an audit log from XXXX XXXX that also verifies that I paid on the XXXX. 

XXXX XXXX the mortgage company was closed on XX/XX/XXXX and there was no prior notification of this fact. I called in twice and in order to pay I made it through the automation in which I have done since having the loan for 3 + Years without a late. 

After paying I also did not receive a confirmation via email that is done and also as proof of payment. 


XXXX XXXX was closed until XXXX the XXXX, or XXXX. They then processed my payment. 

They reported my payment 30 days late although I paid and have proof from XXXX XXXX, and also letters from them stating I paid on the XXXX, however, they continue to report me to the credit reporting agencies as late even after admitting they have knowledge that I paid on the XX/XX/XXXX ( please see attached documents ). I also demonstrated that I also had funds in the account. 

I am seeking relief from the CFPB to help resolve this issue as it is not a correct reporting. There are logs that show that I made the payment on the XXXX, the law does not stipulate it is when a company decides or available to process. As part of the fair credit reporting this is against the law and I am being treated unfairly and have taken a severe credit hit due to this issue that should have been resolved. 

I have disputed with the company multiple times and at the highest level and have been treated rudely and disrespectful in the process.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been disputing this account on my credit reports for a few months now to no avail.This account was removed and then placed back onto my credit report. I have sent a reinvestigation letter, letter to the collection agency as well as method of verification and factual dispute. The date of last activity continues to be updated while in the dispute process.

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 2019-11-23
Company: EQUIFAX, 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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
NOT MINE ... 
XXXX XXXX XXXX  XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, XXXX, FL XXXX NOT MINE

Company response to consumer: Closed with non-monetary relief