BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: MN
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 have previously disputed with XXXX, Experian and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2020-10-06
Company: AMERISAVE MORTGAGE CORPORATION
State: WV
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I wanted to refinance our VA loan to get a lower rate. We wanted to take advantage of the streamlined process. We went to XXXX XXXX and several companies called us right away. We chose Amerisave Mortgage Company. They offered the cheapest rate. We filed an online loan application on XX/XX/20. I never got a copy of this loan application until I asked. The loan application has since disappeared. Then they wanted additional information. They wanted us to sign off on a XXXX/XXXX  addendum. When we filed the initial electronic application I had indicated that we were not first time homeowners and it should be titled to veteran and spouse. I noticed on the addendum that they had changed the form to read first time homebuyers and the loan should be titled to Other. This information is not correct. I did ask that they change the form or we weren't signing. We don't know if this done. Either they wanted to steal our home or charge us more money in closing costs. Also the loan officer said he would waive the {$500.00} application fee. They also wanted to charge us {$580.00} for an appraisal that was never done. The company address on the addendum is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. The loan officer 's name is XXXX XXXX. XXXX. His desk phone is XXXX and fax is XXXX. They do not answer phone calls or emails. Something is not right. Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 2022-01-21
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: Their investigation did not fix an error on your report

Complaint:
Please investigate this record on my account. I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 
Bankruptcy - Reference Number XXXX Date Filed XX/XX/2014 2014

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 2022-10-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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

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 2019-12-26
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX balance : {$630.00} Please remove it from my credit report this account is not mines never belong to me remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
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: Was not notified of investigation status or results

Complaint:
I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in ; they've also never provided written proof of my signature authorizing these inquriries! On XX/XX/XXXX I decided to give the bureaus another chance and sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2022-01-21
Company: Avant Holding Company, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Avant card company charges fee on XXXX balance and if you dont pay fee they add late charge There is no customer service that ever answers you online are in person to cancel they always say I'll forward you to customer service but you can stay on the phone all day there is no answer I have emailed them used their website every way to try to get ahold of them to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home with PNC on XX/XX/XXXX. I did not want to set up an escrow account, but the loan officer told me that it is mandatory for closing and I can call and cancel at anytime after closing.
- In XX/XX/XXXX I sent a request to cancel the escrow account. My request was denied and I was told that my loan-to-value ratio does n't qualify.
- In XX/XX/XXXX I sent another request to cancel the escrow account. My request was denied and I was told I have to complete 12 payments to qualify.
- In XX/XX/XXXX I sent another request to cancel my escrow account. My request was approved, but PNC demanded that I must pay approximately {$1300.00} fees for closing the escrow account. I talked to the executive client relation, and they told me the fees is to offset the rate discount I received at closing. I was never told that during closing. 

I read the contract and there is no mention of any fees dues when an escrow account is closed. I was deceived at closing, and I was given various reasons for the refusal of my request, and finally the bank want to charge me exuberant fees to sway me not to close the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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 : XXXX  XXXX Account # XXXX, XXXX Bank 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. 
I XXXX XXXX, hereby attest that the information provided is being submitted by myself and not by any other third party.

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 2022-05-03
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 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 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 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 2021-07-22
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I paid XXXX cash on my auto loan which was at 28 % in California, an amount higher and in direct violation of usry laws in my state. I paid the loan off on XX/XX/XXXX, its still open and my XXXX balance account is charging me a normal monthly payment of XXXX and they keep saying they're going to report it to the credit reporting agencies, they e told me it's closed, but when I log in to the account it shows that it's open.. this company is notorious for repossesing cars on paid accounts. They've said they would close it but No attempts have been made in over a month. They won't close it. I've called and support chatted with them 5 times in the last month. This company is a fraud and they are running my credit. How can they get away with charging me {$260.00} on an account with a I balance that they refuse to close after payoff.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Experian Information Solutions 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:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX   CONSOLIDATED Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 5. Company Name : XXXX CARD Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 7. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 8. Company Name : XXXX   XXXX  XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX  CONSOLIDATED Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 10. Company Name : XXXX RETAIL CARD SERVICE Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 12. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 account # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: NC
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 ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
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:
I SENT THE CREDIT BUREAUS MY POLICE REPORT ON THE FRAUDULENT ACCOUNTS, XXXX, XXXX XXXX, AND XXXX XXXX. THEY HAVE NOT REMOVE THESE FRAUDULENT ACCOUNTS FROM MY NAME. THIS IS A VIOLATION OF MY RIGHTS FOR ME TO PROVE THE FRAUD AND FOR THE CREDIT BUREAUS NOT TO DO ANYTHING ABOUT IT.

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 2022-05-03
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: Reporting company used your report improperly

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

SEC 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 2017-10-16
Company: CITIBANK, N.A.
State: ND
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Citibank XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Wire transfer for {$5000.00} on XXXX/XXXX/XXXX. I have tried contacting this man, I have contacted the police in XXXX XXXX, CA and no such person exists according to their records. He has presented a fraudulent identity and needs to stop. I have mailed him through regular mail and also registered mail and it gets returned. I want his bank account frozen and my money returned. He 's a thief.

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 2017-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was erroneously overdrawn due to a fraudulent charge. Because of that, a {$35.00} overdraft fee was assessed against my account. This started a chain reaction of several overdrafts due to automatic payments, which were paid by the bank including a {$35.00} overdraft fee. In addition, the bank assessed a {$35.00} overdraft fee every time my card was used, even if they did n't approve the transaction. This caused several hundreds of dollars of overdraft fees. 

I called Bank of America and spoke to a customer service representative, as well as their fraud department, and they said they would remove the erroneous, fraudulent charge and refund the {$35.00} overdraft fee, but every successive {$35.00} overdraft fee for charges they did n't pay would not be refunded, even though they did n't process the payments. I urged them to remove the charges, but they said this is standard in their checking accounts, and they refused to help me. I then decided to file this complaint.

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