BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In review of my Credit Reports, I noticed there were unauthorized inquiries listed. I never received correspondence that my credit was pulled using these sources and XXXX did not have permission to furnish my report to these creditors listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX services XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/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 2020-07-16
Company: Navient Solutions, LLC.
State: OH
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:
Navient 's negligence has ruined my life. They had been sending my bills to an old email that belonged to my mother seven ( 7 ) years ago. They had my address and phone number on file, as they used those to verify my identity when I called, however, they never reached out to me through these avenues. My credit score fell from XXXX to XXXX. I'm not able to buy a house or a car and I have no idea how they plan to have me pay them back without the ability to acquire a reliable form of transportation. I contacted them, they said since my account was 90 days past due they would automatically deny any complaints I filed to them. The credit bureau told me to contact Navient and " buy something like a refrigerator to rebuild '' my credit. ODE told me they are unable to do anything but if I feel wronged then I can try to sue them or the loan provider and see what happens. I have truly given up all hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I demand that this Auto loan to be replace back on my credit file this account was deleted from my credit report without my permission I demand it to be added back on my file as soon as possible XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I RECEIVED A CALL FROM SOMEONE CLAIMING I TRIED TO PURCHASE AN XXXX AND SHIP IT TO XXXX MD, WHICH I DID NOT. THERE ARE SEVERAL MISSPELLINGS OF MY NAME REPORTED ON MY CREDIT REPORT THAT NEED TO GET REMOVED

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 2020-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Long story short, I keep getting repeat charges for XXXX Restore balance. Everytime Capital One reports it as fraud, the merchant keeps recharging the card. Capital One keeps saying they can not block individaul merchants. This is the 7th time this merchant has been reported as fraud. XXXX  ( XXXX? ) does not have a phone number to report this problem too. This charge is a recurring subscription. I do not use XXXX or XXXX-based products. I keep getting new cards shipped out. I am so frustrated. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: ZWICKER & ASSOCIATES
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
ZWICKER AND ASSOCIATES is in violation consumer rights according to the FDCPA, FCRA & GLBA. Please view the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently applied for a Bank of America Secured Credit Card and was turned down. The website said this card was geared toward those with poor and fair credit, I applied for this card and was prepared to make the required deposit for this card 's security deposit, but was denied. When I called in reference to why I was denied for this secured card that I would have to pay money to them for, the representative that I spoke with was highly rude and told me that if I had paid my bills like regular people, I could have been approved. This person doesn't know my circumstances and had the audacity to say such things to me. When I requested to speak with a manager in regards to this matter, the call was disconnected.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: MN
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:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to 'investigate ever piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking number : XXXX : XXXX - XXXX - XXXX - XXXX - XXXX Experian : XXXX - XXXX - XXXX - XXXX - XXXX XXXX : XXXX - XXXX - XXXX - XXXX - XXXX According to the FRCA the term " investigative consumer report '' means a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. I have a credit report showing the inaccuracies. 

XXXX : Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX EXPERIAN : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX and Transunion are reporting incorrectly that I a ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to have a late reporting on an account that has a {$0.00} balance. This false reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2020-07-16
Company: CITIBANK, N.A.
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:
Unauthorized Hard Inquiry placed on my XXXX Credit file from MACYS on XX/XX/2019. However, I do not have a Macys account, nor did I apply for one. 

I called XXXX listed with the hard inquiry on my XXXX   Credit File and spoke with XXXX who advised me to fax XXXX a written request to have the hard inquiry removed. I attempted to complete this but the fax kept failing to the number provided so this was not successful.

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 2018-02-11
Company: BARCLAYS BANK DELAWARE
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen and multiple account were opened in my name. I reached out to Barclay Bank Delaware to inform them of this issue but they did not want to remove the account. Instead they sent it to collections. I contacted the collection agency and the collection agency did nothing either.

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 2020-10-20
Company: U.S. BANCORP
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:
I had all of these 3 accounts set up for auto bill pay, ( amount owed XXXX credit limit XXXX ) ( amount owed XXXX credit limit XXXX ) ( amount owed XXXX credit limit XXXX ) which if you see my pay records I am always on time with my payments. At the time I lived in a different house and I ended up moving. There was an issue with auto pay which I was unaware of due to me moving, so I never got notified till it was too late. The accounts had got late payments and gone into collections. I called sometime in XX/XX/2020 to negotiate with the collector ELAN Financial Services to get those items paid and removed but refused to assist with the issue. Due to these collections and late payments reporting I am unable to get approved for any type of credit or even get a mortgage. Causing plenty of financial distress.

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 2020-04-22
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
CFPB XX/XX/2020 To who it may concern : I am refinancing my mortgage from Freedom mortgage to another lender. In the process my title company and mortgage broker both requested a payoff from Freedom Mortgage on XX/XX/2020. Today is XX/XX/2020 and still no payoff has been received. I talked to XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, and XXXX # XXXX XXXX Supervisor/Manager on XX/XX/2020 ) who promised a payoff Fax to the title company by close of business XX/XX/2020. Here it is XX/XX/2020, closing is supposed to happen tomorrow and still no payoff. Today I have communicated with XXXX # XXXX, XXXX # XXXX ( Supervisor ) and XXXX a Manager. My correspondence and concerns seem to be falling on deaf ears as I have received no resolve in this matter. 

Freedom Mortgage appears to have no regard for federal regulations pertaining to the time requirements for responding to a payoff request. 

Please have someone contact me in regards to follow-up action taken regarding this complaint. 

Thanks, 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 explanation
Consumer complaint received 2019-11-17
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: AL
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:
A representative from a dealership XXXX XXXX attempted to get me in a new vehicle after bankruptcy. Mr . XXXX was aware of me not wanting to get a new because I reaffirmed my current car. He called me because my info was given to him somehow from when I filed bankruptcy. My credit report was pulled anyways and it shows inquiries from these four companies dated XX/XX/2019 from the following companies : XXXX XXXX XXXX, First Investors Fin, XXXX XXXX XXXX, XXXX XXXX XXXX. I did not get another vehicle and would like these inquiries removed from my credit file.

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 2022-10-04
Company: Experian Information Solutions 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:
On XX/XX/XXXX I sent the complaint to XXXX XXXX XXXX and Experian about incorrect items on my credit report it is well past 30 days and I have not got any information back on my investigation

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 2020-04-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Multiple names and addresses are reporting on my credit credit reports that are incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-02-02
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 



The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then TransUnion, XXXX, and XXXX must remove these inquiries from 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 2019-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a credit card with capital one in XX/XX/XXXX. It had a {$500.00} limit. I owed over {$650.00}. I then paid the outstanding balance in XX/XX/XXXX to  capital one bank usa. I will attach proof of payment from XXXX   accounts to this claim.This means capital one was paid for my debt, thus has no right to report on it! And as I paid the debt should show as paid on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
this was not sent in error i am a consumer by law my information was used against my consent after i brought it into the company attention they still did nothing which by law they have to.

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 2020-07-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2020 I called my current mortgage lender to inquire about recasting my loan. I wanted to know what the new payment would be if I were to send in a lump sum payment to the existing mortgage balance and have the new mortgage recast at the current rate. The service rep said she can not tell me what the new payment would be. I asked to speak to a supervisor and was told the same thing. They can not tell me what the new payment would be. I would have to send in at least {$10000.00} plus a {$250.00} recast fee first and then they would tell me what the new payment would be, but not before I send them {$10000.00}. They say they can not give me an estimate. 
As a consumer, I'm trying to make the decision between refinancing and recasting. Having the monthly payment information is critical to my decision. Why would this information be withheld from me? I can estimate it myself with a mortgage amortization schedule, but I want it confirmed by my current lender. I don't understand why this can't be provided to me. I just want some one to work with me by discussing loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: RNN Group, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2021 I started receiving calls from RNN Group ( XXXX ) XXXX. I spoke to the company at lest three times and informed them this was not my debt that the SSN did not match mine. In XXXX of 2021 my company received a garnishment for my wages ; approximately {$800.00}. The information on the garnishment was my name but the address and the social security numbers were incorrect. I had my attorney XXXX XXXX make a filing with the courts to get the garnishment released. I have received two calls from them this week where I have advised them this is not me. My compliant is that they are calling my place of employment and speaking to my employees. It is clear this is a debt collector and my employees can tell. This is not my debt please let me know how I should proceed ; it is my fear they are going to garnish my wages again. 

I entered the SSN of the XXXX XXXX that was on the garnishment in the section that asked for the last four so the company can find the account in question. This is not the last four of my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: CA
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 ( FCRA ) these creditors have violated my rights for these accounts : XXXXXXXX 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 XXXXXXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

Company response to consumer: Closed with explanation