BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have called Transunion credit agency and asked why is my credit score so much lower than the XXXX other agencies. I was explained to by a Transunion Rep " that they are allowed to use a different scoring system than XXXX or XXXX ''. Transunion credit score is always lower therefore causing me to pay more for items I chose to purchase. 
Why is Transunion allowed to score much lower and different? Most creditors use Transunion for credit in my dealing. I asked if I could close my file with them the Rep said no. I paid over XXXX for my credit score back in XXXX 2016. I have not receive 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 2015-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I HAVE A FRAUD ALERT ON ALL MY CREDIT REPORTS THAT INDICATES AND ALERTS CREDITORS TO CONTACT ME TO VERIFY MY IDENTITY BEFORE CONSIDERING, OPENING OR ESTABLISHING AN ACCOUNT IN MY NAME. I HAVE EXCELLENT CREDIT, HAVE {$00.00} BALANCES OWING, HAVE NOT USED MY CREDIT IN OVER 15 YEARS AND EARN WELL OVER $ XXXX OR MORE PER YEAR WITH VERY HIGH FICO SCORES OF XXXX, XXXX AND XXXX. XXXX BANK DELAWARE COMPLETELY IGNORED MY FRAUD ALERTS ON MY CREDIT REPORTS, ACCESSED MY TRANSUNION, CONTINUED TO ADVISE ME THAT THEY DID NOT HAVE AN APPLICATION FOR ME IN MY NAME FOR THEM TO DO NOTHING BUT SEND ME A DECLINATION LETTER 30 DAYS LATER SAYING THAT I DID NOT HAVE ENOUGH CREDIT WHEN I ACTUALLY DID. XXXX XXXX COMPLETELY VIOLATED MY CIVIL RIGHTS WHEN THEY REVIEWED AND PULLED MY TRANSUNION CREDIT REPORT. I EITHER WANT THE CREDIT CARD I APPLIED FOR AND THE INQUIRY DELETED OR I WILL BE CONTINUING TO REPORT XXXX XXXX FOR THEIR FAILURE TO COMPLY TO THE FRAUD ALERT POSTED ON MY CREDIT CARD. XXXX XXXX WAS OBLIGATED TO CALL ME TO VERIFY MY IDENTITY AND ASK SECURITY QUESTIONS AT LEAST ; AND INSTEAD THEY IGNORED THE FRAUD ALERT AND DECLINED ME PERIOD WITH POOR EXCUSES FOR DECLINATION GENERATED FROM A COMPUTER INSTEAD OF A HUMAN BEING TAKING A LOOK AT THE APPLICATION AND MY CREDIT REPORTS INSTEAD OF JUST TRANSUNION 'S CREDIT REPORT ALONE. 

I DID NOT DESERVE TO BE TREATED THIS WAY, IT 'S NOT PROFESSIONAL AND THE APPLICATION PROCESS AT XXXX IS NOTHING BUT A FLUKE AND NEEDS TO BE REVAMPED OR INVESTIGATED BECAUSE IT IS NOT AN ACCURATE PROCESSING VESSLE. I AM APOLLED AT THE MANNER IN WHICH XXXX XXXX DECLINED ME AND VIOLATED MY CIVIL RIGHTS WITH MY FRAUD ALERT ; AND I MAKING COMPLAINTS TO WAKE XXXX XXXX UP IN GENERAL SO THAT THEY CAN SEE THAT THEY MADE A MISTAKE IN THE MANNER IN WHICH MY APPLICATION WAS PROCESSED AND DECLINED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pursuant to 15 USC 1692a ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt. The term " debt '' pursuant to 15 USC 1692a ( 5 ) means any obligation OR ALLEGED obligation of a consumer. Pursuant to 15 USC 1692a ( 3 ) the term consumer means any natural person. 

So it was I who is a COSNUMER and the original CREDITOR who in fact extended the loan through my " credit card '' which means ANY card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit pursuant to 15 USC 1602i This is all information that Capital One Auto Finance should already know being governed by the FDCPA and TILA ( Truth in lending Act ), but for some reason or another they act like they do not know this information According to the FDCPA, Capital One has violated numerous consumer laws. They have harassed me, a consumer, with numerous phone calls ( sometimes more than once a day ), to communicate with me in regards to a debt. Pursuant to 15 USCb ( 3 ) ( 5 ). 

Capital One also violated 15 USCc ( a ) ( 1 ) & ( 3 ) by communicating with me without my prior consent at any unusual time or place and at my place of employment Capital One also violated 15 USC 1692d ( 1 ) ( 2 ) & ( 5 ) by the threat of reposession of my vehicle, by constantly using the word debt which is obscene and profane language and causing the telephone to ring continuously with the intent to annoy, harass, XXXX  any person at the called number. 

Capital One has also violated 15 USC 1692e ( 4 ), ( 5 ), ( 10 ) & ( 11 ). By the representation or implication that nonpayment of ANY debt will result in the SEZUIRE, or SALE of ANY property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I requested TransUnion to investigate XXXX XXXX XXXX XXXX negative tradelines that have been reported on my credit report I reported that these tradelines do not belong to me. I sent a Dispute and Validation letter to the creditors listing the discharged debt on my credit report and filed dispute with TransUnion thirty days later in XXXX XXXX, 2016. 

I contended to TransUnion during my dispute that they morphed or duplicated negative credit information with a stranger who shares a similar social security number or surnames stating that they mixed the information of persons with the same last name and similar first names, and combined or mixing the credit files of persons with similar names living in the same city or zip code. 

I demanded full and detailed results of TransUnion 's investigation, including information on how they contacted the creditors listed in my disputed and a copy of their responses to TransUnion 's inquiries. I received neither, which is a violation under FCRA 623 ( a ) ( 1 ) ( A ) and under FCRA 623 ( a ) ( 1 ) ( C ).

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 2017-04-28
Company: Experian Information Solutions Inc.
State: MD
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:
Ive been a victim of major identity theft with having my personal information jeopardized in 4 major data breaches, false credit reporting issues, fraudulent use of my SS #, fraudulent personal loan and mortgage fraud. That has become a servere tragedy in my life with losing my residential property, losing my employment, affecting my children and received a letter saying there information was stolen as well. As I have had to move into family members home and ca n't get any financial support to recover from all of this. I truly appreciate your feedback and help. Thank you

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 2017-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The NYS Department of Education has XXXX loans on my credit report. XXXX of the loans are correct and are mine but then the XXXX is for {$13000.00} and I never took out a student loan for {$13000.00}. And the XXXX loans I did receive were dismissed by the loan forgiveness program. The student loan for {$13000.00} is not mine and is on my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
State: NY
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 a PAID collection with XXXX XXXX XXXX for XXXX as well as UNVERIFIED late payments with XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX  that I have been disputing with the bureaus. I sent my first dispute to the bureaus on XXXX XXXX, 2020. I have sent again, disputes on XXXX XXXX, 2020, after the bureaus did not correspond with me ( I am aware that they have 45 days, and I am STILL waiting for responses from them ).

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 2016-10-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have funds automatically withdrawn from another bank account to cover a monthly payment I have with the bank I am submitting the complaint against. Somehow my account became {$50.00} in arrears so I transferred funds from another bank to cover this debit. The long and short of this is that the bank charged me {$65.00} in over draft fees because of this {$50.00} debit that apparently existed for 6 days. I feel this is not only excessive but punitive and violates banking law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was told about a promotion Citizen 's Bank was offering that you would receive {$200.00} if you opened a checking account with them and used their bill paying feature online to pay XXXX bills which had to clear by a certain date. I opened my account in XXXX. In late XXXX I called the customer service line to clarify when the XXXX bill payments had to be made by, the representative was n't sure of the promotion so she instructed me to contact the branch in which I did and was told that the bills had to be paid by XXXX XXXX, 2015. All XXXX of my bill payments were made before that date. I was also told that I would have my bonus by XXXX XXXX. On that date, I did not see my bonus credited to my account, I called customer service again in which they told me that the date for the XXXX bill payments was now XXXX XXXX, and that it was posted on a flyer, which I never received because I heard about the promotion from word of mouth and there was also nothing on my paperwork stating that was the date. If they did not put that information in writing how was I to know when the date was besides what the person told me over the phone. Since I called them on XXXX XXXX I have gotten nothing but excuses about why I did not qualify instead of the staff making an effort to understand my situation and see that I should qualify for the bonus based off the information that THEIR employee gave me. I feel like the bank is using this promotion to lure customers in and intentionally finding ways to avoid having to pay out the bonus. It has been a very unpleasant experience and I feel like I was treated as just a number instead of a human. In a time where the economy is struggling it is very disheartening to be told that you will receive something and then not get it after waiting. I still feel that I am owed this bonus but due to the terrible customer service at this institution and dishonest communication on their part I am sure they will continue to find ways to tell me that I did something wrong. I encourage people to not waste their time opening up an account with this institution just to be lied to and given the run around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened a checking account at Citizens when I turned 18 years of age and received a debit card with the account. I was using my debit card and not realizing Citizens was approving my transactions even when I did n't have any funds on my account. At the time of my account opening I was working and had direct deposit going in so whatever debit transactions I was purchasing whether or not I had money on my account my direct deposit would be able to cover the money owed and overdraft fees. In XXXX 2015, I no longer had direct deposit as I no longer was working. I bought something online for myself and again my debit card was approved but by XXXX XXXX 2015, my account balance was negative ( XXXX ) of which {$310.00} were overdraft fees. The following month I received another statement and my account balance was negative {$1000.00} of which {$780.00} were overdraft fees. My account was not used for the month of XXXX but my balance kept increasing. Three months later my account was sent to Collections called XXXX XXXX XXXX XXXX. I went to see one of the customer service person at Citizens yesterday and they told me my account has been sent to Collections and they could n't do anything about it and it was my fault even though my account was n't used for two month and in the matter of 2 months my account received {$780.00} in fees. The same day which was shocking to me and should be ILLEGAL I found out every 4 days the account is overdrawn Citizens charges XXXX in overdraft fees, monthly maintenance fees and some other fee that I do n't remember. This was too overwhelming for me as a XXXX year old, XXXX from XXXX XXXX this year, that a bank will do this something like this to someone who just start learning about banking products. Out of everything what bothers me the most is at account opening the customer service desk never explained the opt in and opt out ( I still do n't know what that means ) by my new local bank explained that to me in layman terms and I know now. But Citizens just automatically signed me up for allowing my debit card to go through when I did n't have money to cover the charge. I need for CFPB to do something about this illegal business that Citizens is doing to younger people/ students like myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-15
Company: Big Picture Loans, LLC
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had not been informed of the 850 % interest rate on the loan, that I was told there would be a {$120.00} finance charge, not {$1800.00} in total payments, and that I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The collection company is falsifying info on my credit report. On XXXX/XXXX/17 they flagged a collection on my credit report as in collection. The status date was listed as XXXX/XXXX/17. On XXXX/XXXX/17 they flagged a collection on my credit report as unpaid, and the status date is listed as XXXX/XXXX/17! They are also reporting to all XXXX credit Bearus under different names, but the same account number, and same balanced owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We applied for a loan with Citizens Bank and received confirmation on XXXX XXXX 2017 at XXXX. We called XXXX to get all the payment details only to find our first payment was due XXXX XXXX. 25 days after finding out our loan was accepted. We then requested to set our payment up on XXXX XXXX each month. This would be auto paid. They told us they can not change the payment date. The rep said the repayment starts 30-45 days after the funds are sent. We are at XXXX so it is n't even following their own rules. The rep then told me to call Citizens to ask them to change the date. I call Citizens and they tell me they ca n't change the date but XXXX must. I ask what the grace period is and the representative says " your loan does n't have a grace period. '' So I call XXXX back and they inform me a supervisor will call in 24-48 hours. I call XXXX back and they tell me again they set up payments in 30-45 days but mine is still set up in 25 days not enough time to get my funding spread out without double paying. We this time just request XXXX XXXX 2017 as the first payment. This request is denied despite being within 30-45 days per the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am trying to sell my townhouse in XXXX, NJ. The buyer is attempting to get a loan and the lender has postponed the closing date because of an issue they ca n't resolve 2 times and are attempting to postpone the closing scheduled for Friday, XXXX XXXX, 2016 ... AGAIN!! That is the 3rd time!!! I believe it is a computer issue, but I ca n't fathom how it takes weeks to correct it. I am filing this complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: LAKE MORTGAGE COMPANY INC.
State: IN
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
A local mortgage company, Lake Mortgage, advertises it 's current interest rates and products and APR in the local newspaper The XXXX mortgage rate monitor as well as their online ad XXXX. The problem I 've noticed for well over 1 year is the APR on FHA mortgages is nowhere near accurate and therefore deceptive. Currently as of XXXX/XXXX/16, they are advertising an FHA 30 year fixed rate of XXXX with an APR of XXXX. Due the the cost of mortgage insurance alone, I believe the APR is much higher than what is consistently being advertised.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is an account listed which is not verifiable and outdated XXXX past the statue. I have disputed several times and verification requested and no resolving. Please help with this XXXX XXXX account listed # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Ditech Financial LLC
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They repeatatively call out business, no one there when I answer, when we call them back to have reps remove our phone number, the reps refuse to remove our number from their list.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is an invalid and prematurely placed lien reporting in the public records section of my file. A TAX lien labeled under ID # XXXX needs to be removed. I have repeatedly disputed this account because it has been removed from my name and is no longer on my file in the county and federal courts. this lien was accidentally placed and is no longer valid nor has been valid for years now. I keep relaying this information to TransUnion to remove it but they refuse and keep verifying it as mine but do not conduct a proper investigation to see that it is NO LONGER ON FILE and not linked to my name. They refuse me any procedures or any description so that I may see how or who has verified this to be accurate. i do not believe that they have conducted a legal investigation at all. they continue to violate the law and they are ruining my life. please, can the CFPB and FTC help assist me in holding this company responsible for their fake investigative duties and their lack of proper correspondence with the consumer?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX, TX XXXX ( XXXX ) XXXX Use my credit XXXX time and I only ask for XXXX time, I would like it remove if possible. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX XXXX entered into a Consent Order with the CFPB regarding their litigation department collection calling practices, resulting in a refund of payments made as a result of these predatory practices. My account, formally with XXXX was settled in full, however, XXXX XXXX XXXX continues to report this as an active collection account. This false reporting is detrimental to my credit score, and it appears to anyone reviewing my credit report that I still owe money, and the account is in an active collection status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The XXXX credit bureaus are not reporting XXXX account from XXXX XXXX that was already paid in XXXX of 2015 that is affecting very badly my credit. In my latest credit report of XXXX/XXXX/15 they still reporting incorrectly the account as bad debt and charge off as bad debt. Attached is the following : 1-the proof of payment settlement. 2- is the information that is being reported by the XXXX credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation