BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 went to a XXXX dealership on XX/XX/2020 to apply for financing a vehicle. I was told that I will only be applying for the in house financing XXXX offered at the time. I did not agree to getting my information pulled by these institutions. Heres the hard inquiries and their respective dates : XXXX XXXX XX/XX/2020 - Transunion XXXX XXXX XXXXXX/XX/2020 - Transunion XXXX  XX/XX/2020 - Transunion XXXX  XX/XX/2020 - Transunion XXXX XXXX XXXX - Transunion XXXX  XXXX  XX/XX/2020 - Transunion XXXX  XX/XX/2020 - Transunion XXXX XX/XX/2020 - XXXX XXXX XXXX XX/XX/2020 - XXXX XXXX XXXX XX/XX/2020 - XXXX Im seeking the resolution to have these inquiries deleted from my credit reports.

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 2022-05-13
Company: Experian Information Solutions 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:
I am aggrieved and damaged due to the fact it is well over 90 days since I have notified EXPERIAN to please investigate my credit report. On XX/XX/2022 I also called and spoke with Experian Reps XXXX and her supervisor XXXX ; Both representatives treated me very unprofessional and did not know regulation nor laws.What made things worst is they both did not listen to my concerns, and were clueless to the Fair Credit Reporting act. CFPB please note Experian has violated my consumer rights more than once by UPDATING these accounts without verified proof, no contract, nor confirmation of the man or woman that alleges XXXX accounts belong to me. There was no thorough investigation and EXPERIAN has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. All XXXX  accounts and accounts having # XXXX is violating 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 an 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 explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2021-12-22
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My social security number was stolen by my XXXX  they, they have been claiming me on her XXXX XXXX for almost 20 years, recently she opened a XXXX  in my name in XXXX of XXXX and an XXXX loan in 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 2016-09-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hi, I am writing this regarding issue that I encountered with my Checking Chase Bank. My wife received a check from person who hired her for a job. As per her job she needs to credit the check and once the check is cleared she needs to buy stuff for XXXX XXXX and donate it to them. My wife deposited the check in XXXX/XXXX/2016 and the check got CLEARED per bank records as of XXXX/XXXX/2016 and the total money available included the money from Check. Once the check was cleared money has been drawn as part of the job work and stuff was sent to the account provided by the employer. Now the check that was cleared on XXXX/XXXX/2016 has been reverted on XXXX/XXXX/2016 by Chase Bank without giving me intimation as to what happened. I got an alert message with negative balance and when check with bank why was the money which was cleared reverted they said that there was an issue with the check that was deposited and money was sent back to source bank. As a result of this my account went in to negative and my own bills are about to get bounced. When I check with the back as to why the money was reverted after the check has been cleared they kept saying that they have the right to do without our consent up to 1 year. When I asked for the policy they asked me to read the disclosure when I ask to send the same in a mail they refuse to do so. When I called the customer care and spoke all the above the call has been transferred from customer care to supervisor then to manager and they all say that even after the check is cleared they can revert the money without letting us know per their banking policy. When asked them why was the check cleared when there is an issue with the check they did not give a proper answer and were talking about their internal check processing which as a customer I am not ware of. As a result of incorrectly clearing the check we lost {$3000.00} from our bank account for incorrectly clearing a check. We launched a official police complaint on the person who conned us but this all would not have happened if the money was not cleared incorrectly. Bank seems to be throwing blame on the customer for not knowing their internal check clearing process of their bank which resulted in this issue. The customer care has all the call recording for further inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Toyota Financial reported a late payment on my credit in XX/XX/2017. I have no late payments and after speaking with them, they said they have no record of it in their system so they ca n't do anything about it. I am in the process of purchasing a home and this error by them caused my credit to drop below the acceptable rate to acquire a home loan. After repeat calls to Toyota they still wont correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
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 have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of 2014 we FINALLY came to an agreement with Ocwens lawyer, XXXX XXXX from the XXXX in XXXX, NC to modifiy our mortgage. This modification agreement was subject to a dialogue to get clarification regarding the escrow. On XXXX XXXX, 2014 the Ocwen lawyer XXXX XXXX finally was able to get clarification from their client that stated that : " The answer to your question is that the escrow shortage has been made part of the new outstanding principal balance due under the modification. The shortage ( which was identified in his XXXX/XXXX/14 email to be ( {$39000.00} ) ) will get repaid during the life of the loan upon repayment of principal and interest. " However, just a few months later they have wrongfully increased the escrow by 75 %. I have contacted them and over the course of two weeks still can not get this corrected despite forwarding these clarifications to them and several conversations with their escalation specialist XXXX XXXX. So once again the mortgage servicing is XXXX up and Im using my time to XXXX it as well as pay the increase in the interim because their system will not allow for a short payment. While XXXX XXXX is quite nice she doesnt have the ability to undersand the problem nor authority to correct it. She says she will call back in 5 days with better clarification. Im not holding my breath. I guess I need to again hire a lawyer. What a stupid mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
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 have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2022-05-13
Company: Experian Information Solutions Inc.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX  XXXX Balance : {$17000.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$810.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$470.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX, MO XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2021-12-22
Company: FIRST NATIONAL BANK OF OMAHA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2021, I received an email from XXXX the issuer of XXXX XXXX XXXX about an offer where you receive {$30.00} in a form of statement credit if you sign up for a new XXXX membership before the end of the month, I signed up on XX/XX/2021. The terms mention that the credit should post within XXXX billing cycles. Since then my statement closed not twice but three times on XX/XX/2021, XX/XX/2021 and XX/XX/2021. I reached out to customer service in the first week of XXXX to ask why the credit hasn't posted even though it's been over 2 months since I fulfilled the offer and they promised it would post by my next closing date on XX/XX/2021. The credit never posted on XX/XX/2021 so I called on XX/XX/2021 to ask again and the XXXX mentioned that they will escalate it to a XXXX and I will hear back within 2 days. I called four days later on XX/XX/2021 to check the status and I was told that I will definitely hear something by XX/XX/2021, so I called late on XX/XX/2021 and I was told by a new XXXXt that no timeframe is determined for the response and to just hold so I pressed them by citing that I have called about this way too many times so they put me on hold and came back saying they are working on it and will call shortly with an update. I did receive a call less than an hour later but I couldn't get it so I called customer service again where the final XXXXt delivered the message that I should wait until the next statement closing date to see the credit post to the account.

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 2017-02-28
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The XXXX credit reporting agencies ( XXXX EquifaxXXXX ) falsely reported XXXX items that did not belong to me. It took months to have them take said items off my credit report but now, the XXXX credit agencies wo n't correct my credit score after they damaged it. It was their mistake to report me to begin with then adjust my score by removing ALL of my credit. My score was around XXXX before the credit bureaus made this mistake now it 's " DAMAGED AND HARMED MY LIFE! '' The bureaus will not correct it! 
I have attached a document from XXXX XXXX showing what the credit bureaus are reporting on my credit score. I have NOTHING and the credit reporting agencies do n't even show my positive credit. This has ruined my chances on getting a car loan, an apartment, an advancement at work and a credit card!! They wo n't fix their mistake and I 'm going to have a nervous breakdown! I ca n't believe what they did to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
1st. I received a summons to appear in court. I had received no notice of closure of the account. I received no other contact via mail. I did not receive a notice 15 USC 1692g ( d ). This is a clear violation of my rights and I expect it to be properly investigated and prosecuted.

2nd. The sum being requested for repayment far exceeds any credit account that I ever have had in my life. No amount of garnered interest can account for the inflated demand of the litigation. ( {$9400.00} ) 3rd. The suit is being brought forward by XXXX XXXX XXXX in XXXX  registered XXXX XXXX Nonclassifiable Establishment. This seems like an obvious deception attempt. Wouldn't a Law Firm that was providing strictly legal services register as NAICS 541100 - Legal services. They can't register as a legal service because they are providing ( financial services ). But they can't register as a ( Financial services ) because that would make them a junk debt buyer and then they couldn't sue on behalf of there clients if you guys actually put 2 and 2 together.

4. Also lets take a look at this " Nonclassifiable Establishment '' XXXX registration because XXXX XXXX XXXX is where they lawsuit was filed. In XXXX they have registered agent with a company called XXXX XXXX XXXX XXXX Who also has a registered agent with a company called XXXX  XXXX XXXX out of XXXX XXXX XXXX Now here is the kicker, XXXX  XXXX XXXX has a registered agent of XXXX XXXX XXXX XXXX XXXX who has listed XXXX XXXX XXXX as there registered agent. This means that those entities loop back onto each other. I'm sure there is nothing illegal about that right. 
I also noticed that the cfpb seems to not take the side of the consumer even if that is directly in the name. How do I know this well i have looked and seen all the complaints that have been brought forth to you about this company and it appears all they need to do is just say hey guys we did our job right and you all brush it off. So I will be including a copy of this notice to a large panel of our elected officials. Your boys club protecting the debt collectors is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX I tried to purchase a companion animal for my daughter. The website has all the necessary stamps making it appear legit. I proceeded to reach out to the owner and inquire more information. Upon speaking to the opener it all seemed legit at first. I was promised a companion animal same day. With all the required akc documention. I then started to notice a change in behavior. After looking into it more with the help of a police it was a scam. I then requested a refund from the seller directly. They said they would. Once they became aggressive and didnt I went to XXXX XXXX directly and inquired on how to get a refund. The seller wanted me to close the case ( which meant to XXXX XXXX no dispute could be filed ) I refused to close the case and the seller never gave me my item or refund. XXXX XXXX wont give me my refund for item not received. I went to my bank. Filed a dispute. I called my bank as soon as I noticed it was possible scam to have the transaction stopped. They temporarily issued a refund. I received a email saying they couldnt permanently give me my refund. I called and asked for a explanation and now they are saying because it was a money transfer its not covered. However XXXX XXXX never explained it was a money transfer. And I never reached a item. The item was XXXX with a. Fee making it XXXX. I provided. Documention from the seller saying I would get a refund and still cant get help. The scammer also scammed a person I know shortly after me. We all reported this to the 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