BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MO
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:
Equifax is responsible via poor security protocols for being hacked and revealing my and my wife 's personal information, credit information, SS #, to hackers and identity thieves. This lack of professionalism and regard for what they do has cost myself and millions of other American 's peace of mind that their financial information is secure and all the time involved in restoring said peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified '' Please remove the following accounts XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX from my credit report. You have had 90 days, which I have given you more than enough time and 3 dispute letters were sent to resolve this and you have failed. Now it is time to DELETE the accounts per the FCRA

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 2017-08-17
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hi there. First of all, thank you for this service.About four years ago, I opened a Chase account in XXXX, FL with my passport since I live in XXXX. I was and still am an XXXX XXXX  working in XXXX for several US companies, and it was in my best interest to have a US-based bank. In XX/XX/XXXX, I requested an early withdraw of my 401K plan from XXXX XXXX. This move was simply to help my younger brother who is XXXX from a rare XXXX called XXXX. (XXXX). On XX/XX/XXXX, XXXX sent me a check for $XXXX, which corresponded to the money I saved throughout the years, less taxes. I had to wire the money for my brother and on XX/XX/XXXX, all of sudden, Chase closed my bank account without any explanation.I supposed the wire transfers may have risen a flag, but this is my retirement money. This is my money and I transfer it however I want. Now it has been more than 3 weeks and Chase still is holding $XXXX, which I urgently need.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: The Receivable Management Services LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to the creditor the account has expired. Attached is the amount for the that is owed. XX/XX/XXXX to XX/XX/XXXX. {$1300.00}

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 2022-07-08
Company: Experian Information Solutions Inc.
State: SC
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 have spent too much time trying to get an answer from the credit bureaus for the letters I have sent and they have not answered me. I need to remove everything negative from my credit

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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have spent too much time trying to get an answer from the credit bureaus for the letters I have sent and they have not answered me. I need to remove everything negative from my credit

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 2022-07-08
Company: HUNTINGTON NATIONAL BANK, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear sir or madam : Huntington National Bank sent a {$1000.00} check from my checking account to the wrong bank and will not return my funds. I wrote a check numbered XXXX to my credit card company XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX for {$1500.00}. The credit card company accidently requested payment for only {$540.00}. I contacted the customer service department of Huntington Bank and asked them to correct the error and pay the {$1000.00} to XXXX  ( case number XXXX XX/XX/XXXX ). Nothing happened for weeks so I went to the Huntington branch in XXXX, OH, XXXX and asked them to resolve this issue. An adjustment debit for {$1000.00} was made on XXXX, XXXX, XXXX ( reference number XXXX XX/XX/XXXX ). 

The problem is that XXXX  never received the {$1000.00}. I contacted the customer service department of Huntington Bank and was told a check for {$1000.00} was sent to XXXX XXXX. I asked why the check was sent to XXXX XXXX  and not XXXX  and they said it is a subsidiary bank that handles XXXX  accounts. I contacted the customer service department of XXXX and was told XXXX XXXX  does not handle their accounts. I wrote a letter to Huntington Bank on XX/XX/XXXX, requesting that they return my funds as XXXX never received the check. 

I was contacted by XXXX XXXX of Huntington Bank and was told that a physical check for {$1000.00} was sent to XXXX XXXX  on XX/XX/XXXX. I told her XXXX has never received the {$1000.00} and that I wanted her to stop payment on the check and return my funds. She said there was nothing her bank can do and that I personally would have to track down the lost check and resolve the problem myself by contacting either XXXX XXXX  or XXXX  to have them locate the check using the trace id ( XXXX XXXX ). 

I believe Huntington Bank made a mistake and should have sent the {$1000.00} directly to XXXX  as it was the payee on the original check. I also believe it is XXXX responsibility to track down the check and make sure XXXX receives the {$1000.00} or return my funds. I do not believe a bank can not stop payment on a check they wrote if they know the check was lost and never received by XXXX. 

Right now, I am out {$1000.00} and have spent hours talking to customer service representatives who do not seem to be able to resolve this issue. I am formally requesting that your agency contact Huntington Bank and have them return my funds to my checking account..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-17
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Closed :XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX Closed : XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also XXXX. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach XXXX to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XX/XX/XXXX Can send these in as well once I get them scanned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX Closed : XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also XXXX. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach XXXX to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XXXX of XXXX Can send these in as well once I get them scanned.

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 2022-07-08
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted all 3 credit bureaus. They are reporting a bankruptcy on my credit report. Legally they can not list bankruptcy on my record.

I obtained my credit reports on line. There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The County Recorder of Deeds and the Bankruptcy Courts have both informed me they do not report this information to anyone. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

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 2017-08-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a checking and saving account through Wells Fargo. Now, I have been very busy through a personal emergency that I am dealing with. Therefore, I have money in my savings account but due to this traumatic event did n't transfer my money into my checking account. Although, I did n't do this my Wells Fargo representative told me the two accounts are linked. So, if I am too low to do a transaction from my checking account, my savings will automatically withdraw to cover the transaction. The only problem is if this transaction takes place, I am also hit with an overdraft fee. Unfortunately, I was not informed of an automatic overdraft fee inclusion in the transaction. My complaint is if my checking and savings accounts are linked why do you also add an overdraft fee. I actually have money to cover my transactions but now I have a double or even triple charge as well. The transaction date of XXXX XXXX, 2017. and shows up on XX/XX/XXXX and XX/XX/XXXX statements.of 2017. I called to ask for a courtesy reversal. They said no. So their idea of linking the two accounts in actuality is n't true. They said I did n't have money in my checking account. So, the overdraft fee took place. I told them that 's why I have a savings account. There is actually money to cover my transactions. So why the extra fee. This to me shows shady under handed practice. I feel this needs to be looked at and corrected. My phone number is XXXX. My information can be sent or email upon request since this involves my personal and sensitive information about my checking and savings account. Your consideration in this matter will be greatly appreciated also thank you for your help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Well first I had a fraud alert on my account which should of disallowed anyone to access my report without my explicit permission. Well that didn't work and when I went to buy a car the dealership repeatedly applied to all these different companies without my permission. No one came to me and said, ok the first inquiry didn't go through may we try the next? They ran it over and over again without my permission until they got a company that would fund me. I want all of these hard inquiries removed from my account, I tried removing them using my credit reporting agency but I was told that the company had to remove it and most of them dont have an address. Please remove the following hard inquiries from my report that all occurred on XX/XX/2018. Thank you XXXX => - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX | Transunion => -  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 2022-07-08
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: Credit inquiries on your report that you don't recognize

Complaint:
Ive Noticed inquiries on my credit profile that I do not recognize!! From the following companies : XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX- XX/XX/XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XX/XX/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 2022-02-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
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:
USAA XXXX XXXX XXXX, has used my name and written insurance claim checks in my name but with the incorrect birthday ( the year is not correct ) on three different claim policies. 

XXXX {$10000.00} XXXX {$3700.00} XXXX {$6000.00} The information was used at an address I do not dwell in and is hindering me from getting homeowners insurance for my home i just purchased XX/XX/2022. When I called for assistance in getting this information corrected the company could not help because I did not know the security questions that the individual has used. 
I want XXXX XXXX XXXX XXXX to be notified too because they are the Mortgagee company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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 less than 6 mon. I have racked up a total of 3 inquiries with one that I do not recognize on my credit report CAP ONE NA as well as a duplicated inquiry from XXXX XXXX XXXXl on two separate dates on XX/XX/XXXX and XX/XX/XXXX on a single loan for {$5000.00}. Id like two only have one inquiry which I expected to have on my report instead of 3 which I do not want.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Camelot Financial Services, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I got emails from XXXX XXXX saying I took out a loan from Ace loan I dont know who this company is and I have never received funds they say I did I think this is fraud please check out and let me know they keep harassing me with emails

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: DE
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:
XXXX XXXX XXXX : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so, REMOVE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I asked a collection agency to provide me with proof of debt and the original contract and they never did

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX Account XXXX XXXX is reporting as an delinquent account across all three of my credit bureaus which is inaccurately reporting as all my payments for this account has been on time and there were never any late payments. As a result, of this I closed the account because of the inaccurate information they were reporting to the credit bureaus and these false representations of a delinquent account severely hurt my credit score. I am in the process of going for an mortgage loan in which this issue from the past is continuing to haunt me which is inaccurate and I need this fixed. See attached documentation.

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 2017-08-17
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient wants to sign me up for a new payment program, but will not give me any information in writing about the program. Everything needs to be over the phone, which does n't allow me to keep track of what they tell me and how my payments will be handled. We have submitted all of the documents that have been requested of us to Navient. I have requested information on the next steps over email. All I am told is that I need to call the office. This gives me no control over what they say or tell me, or how I am supposed to prove what they say and tell me at a later date. I have already received conflicting information about my account when I called their office the same day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Freedom Mortgage had spoken with me about my payoff back in XX/XX/XXXX. It was supposed to be XXXX. But now as of today XX/XX/XXXX the payoff was XXXX. I had my loan in deferment due to Covid but elected to pay back in payments, not a lump sum. They took the sum from my payoff. About XXXX total without any consulting with me or notice. They also did not explain this process to me when they explained the COVID forbearance action.

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