BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 to any consumer reporting agency if the person knows it 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 2022-06-21
Company: EQUIFAX, INC.
State: NJ
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 checked my credit report via XXXX I saw this a lot of addresses reporting in it. I onced heard that this addresses may contain accounts that is not yours. Please help me get this removed. Thank you! Here are the addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for a promotion for M & T Bank under which if you leave {$10000.00} in the account for XXXX and XXXX, they would pay a {$350.00} promotional bonus by XX/XX/XXXX. The bonus code I signed up under was " XXXX '' but I later called to have this changed to " XXXX '' which also included an extra {$100.00} for having a {$500.00} direct deposit made tot he account. This bonus was already received. 

I transferred {$10000.00} to the account by XX/XX/XXXX and did not remove any funds until XX/XX/XXXX, so I met the terms of the promotion for earning the {$350.00}. 

I received a letter in the mail dated XX/XX/XXXX that my account would be closed as of XX/XX/XXXX. The letter did not contain any information about why M & T was closing the account. I suspect it's because they do not want to pay out pursuant to the terms of their promotion. 

I spoke to 3 separate customer service agents today, and each one had a different take on whether the bonus would be affected, so I am writing to the CFPB for clarity on this issue. It would also be helpful to know why M & T is closing my account and to confirm that it will not adversely impact my credit score or any other reports or my ability to open bank accounts in the future. I do have a recording of the last call in which the agent indicated that the payout of the bonus would not be affected by the subsequent closure of my 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 explanation
Consumer complaint received 2022-09-18
Company: NAVY FEDERAL CREDIT UNION
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:
This is about the XXXX XXXX XXXX  initiated on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX With ( Navy Federal Credit Union ) executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any form information in any for.

The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. 

In the above-mentioned XXXX XXXX XXXX , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e. XXXX, XXXX & XXXX ). 

According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personally identifiable financial information 1. Provided by a consumer to a financial institution.

2. Resulting from any information with the consumer or any service performed for the consumer ; or 3. Otherwise obtained by the financial institution.

Further, pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, XXXX, XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802.

Navy Federal Credit Union has still violated the provisions of FCRA ( Fair Credit Report Act ).

Under USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control.

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons.

Therefore, your Company ( Navy Federal Credit Union ) has not only infringed my right to privacy but also violated multiple Federal Laws.

I hereby request you to remove the below-mentioned information from my Consumer Report ; 1. Late Payments 2. Charge off etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
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:
On XX/XX/XXXX I received a letter from the IRS stating my identity may have been compromised. My name is XXXX XXXX and I was XXXX yrs old at the time and a XXXX XXXX. My mom & I sat down as I returned from XXXX and pulled my credit report. Discovered after pulling the Free Annual Credit Report that another person, XXXX XXXX XXXX, and a car loan & credit card that were not mine were on my credit report. It should be noted it was only on Equifax. We contacted XXXX & XXXX XXXX bank to report the fraudulent accounts. They did confirm it was my SS # on file but with someone elses name, DOB, and address. We filled out fraud forms, send police report number, and copies of credit reports. On XX/XX/XXXX & XX/XX/XXXX I received letters from both XXXX XXXX & XXXX stating it was discovered to be identity theft and they would have the 3 credit bureaus remove from my credit file. I also placed a freeze on my credit files. 

On XX/XX/XXXX I received a few voicemails from SS office stating my identity may have been compromised yet again. I pulled credit reports again and was shocked to see Equifax is reporting my file as XXXX XXXX XXXX, his DOB, Addresses, XXXX XXXX is running inquiries ( I dont have ), XXXX XXXX credit card is showing closed as of XX/XX/XXXX, last payment XX/XX/XXXX, shows consumer disputes, and last reported XX/XX/XXXX. None of this is mine and was to be removed. 

This person is clearly using my SS # according to XXXX & XXXX XXXX. XXXX did their job and removed it for Fraud. XXXX XXXX has not. How did a large national bank such as XXXX XXXX allow someone to open a credit card in my name without the proper verification. Clearly the other persons name and DOB ( XX/XX/XXXX ) does not match my SS #. Where is the verification on that? They allowed someone to use falsified documents and did not follow verification procedures. I am only XXXX yrs old and have been a victim of identity theft by 2 large companies. Please help me with getting this resolved so myself and others never have this happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2021 we applied for a HELOC at PedFed under my husband 's name, XXXX XXXX and we were offered a {$110000.00} line of credit. PenFed ordered a 3rd party drive by appraisal that came in at XXXX. 

We decided to wait and file our taxes with less deductions, pay off our truck, and I also received a {$40000.00} salary increase when I changed jobs. This month we reapplied for a HELOC at PenFed under my XXXX sounding name, XXXX XXXX, and our house was valued at {$360000.00} using the same PenFed appraisal process. I find it hard to believe that our house value dropped that considerably and the documents don't support the market going down in my area. 

We were offered the exact same loan amount this time despite my higher salary, less debt, and less deductions taken on taxes. 

I believe this was because instead of the white, male sounding name by XXXX name was discriminated against. 

When I contacted PenFed to get more information regarding the discrepancy I was responded to in a rude and dismissive way. The woman who took my call was named XXXX, I didn't catch her last name.

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 2023-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting spammed with debt collector since XXXX. Since Im currently going through financial hardship its been extremely hard and stressful for me to provide just food and rent let alone pay debt. Capital one and XXXX XXXX have been calling all time of day some as early as XXXX in the morning to random time like XXXX. I ended up blocking most of XXXX XXXX number but a few still pop up. Capital one has no restraint and presses with phone calls and emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following are HARD INQUIRIES on my credit TRANSUNION CREDIT REPORT DO NOT belong to me, nor have I ever applied for credit of any kind with the following companies : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-11-27
Company: Experian Information Solutions Inc.
State: IL
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:
After reviewing my credit profile I notice unauthorized inquires on my credit report. 
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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-08-19
Company: EQUIFAX, INC.
State: RI
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 ( XXXXl 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2023, I disputed several Items on my LexisNexis Consumer Report. The disputed was delved on XX/XX/2023 via certified mail. However, the company has not responded in 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I kept careful record of their actions, including Method of Verification. I do not consent to e-oscar or any means of automated verification.

Therefore, they have failed to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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:
THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. Also, This is not my home address. I never lived here nor received emails here. 
XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/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 2023-03-10
Company: CITIBANK, N.A.
State: TN
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 have a Citi credit card which has been open for several years without any issues. In XX/XX/2022, I took out what they call a Flex Loan of {$5000.00} on the card. It has a set interest rate of 7.99 % and a term of 60 months. There is a minimum monthly payment of {$100.00} required on top of any monthly payment required for regular purchases on the card. 
The information the company shares on their app, website, and monthly statements says that any payment made above the minimum monthly payments will be applied to the higher interest rate first. Regular purchases on the card currently have a rate of 27.49 %. 
I usually pay off my credit card balances around every two weeks when I receive my paycheck. I never carry a balance month to month. I've been doing this the past few months as usual, but on XXXX XXXX, I was charged {$4.00} as interest for standard purchases. I assumed I had made a mistake and not paid everything off like I normally do. So I paid extra that month to make sure I would only be charged interest on the Flex Loan moving forward. However, on XXXX XXXX, I was charged {$7.00} as interest on standard purchases. 
I then reviewed the last several monthly statements and found that there is now a balance of {$350.00} accruing interest on standard purchases. I also found that the balance on the Flex Loan is lower than it should be at this point of the loan term. 
I called Citi 's customer service line on XXXX XXXX and was informed that I should not attempt to pay off the balance on regular purchases. I was told that payments would always be applied to the Flex Loan instead, even if the purchases I was attempting to pay off were already posted to the account. The only way to pay off regular purchases is, when setting up an automatic payment, to select the option " Adjusted New Balance + Flex Plan Monthly Payment. '' I was told that the only way to resolve this situation is to now pay {$470.00} to pay off the regular purchases as well as the Flex Plan payment for XXXX. 
I'm unable to find anywhere on the company 's app, website, or monthly statements that informs their customers that making a payment on a credit card 's balance will not in fact pay off that balance if a Flex Loan has been extended to the account. Because of this, I now have a balance of almost {$500.00} accruing interest at 27.49 % while I made payments to a loan accruing interest at 7.99 % without my knowledge. The company has made no offer to remedy this situation.

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 2022-06-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
USAA closed dispute on XXXX and failed to update system, not allowing account to close and allowed my abuser to have access to the accounts even with a copy of the domestic violence order. They failed to remove me from his account, with my signature and had a copy of his poa and called him several times. They were made aware, he used my cards, and then failed to pay for bills. Making accounts negative and holding me liable. These practices resulted in USAAs failure to adequately address the unauthorized or incorrect transactions, as is required by law. They also detached our auto insurance and didnt notify me that the service member did so because we are separated but legally still married. They were aware he was take. XXXX and did nothing to prevent it. They also called my abuser several times which put me in jeopardy of my order of no contact because they contacted him when no one can call on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I made a purchase at XXXX XXXXXXXX XXXX XXXX, for {$2300.00} When I received the goods half of the items were missing and half were damaged. 
I reached out to Capital One to dispute the charge on XX/XX/XXXX a few days after the actual charge. 
They changed their demands and requests for information constantly and were extremely unhelpful, I spent hours on the phone with them, each person I spoke to asked for different documents, and they still havent resolved it as of today XX/XX/XXXX This is getting to be very frustrating as I cant afford to lose this much money, Im losing money because of this as I need that credit for my business, I also dont have the time, and cant afford to spend all this time on the phone with Capital one to try sort something out that they still havent all these months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
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 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 2022-06-21
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX It shows that this account was opened in 2015. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.

Company response to consumer: Closed with explanation