BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
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:
I, XXXX XXXX, am a consumer, a natural person. I am demanding notice the CRA 's and the following companies broke the law. 

1. I have been denied credit for a home twice ; because of this my family may be homeless since you refused to remove these items from my credit report.

2. Your are reporting falsely to my credit report that I have been late from the following companies - XXXX XXXX XXXX Bank and XXXX, XXXX is reporting me late and there are no such thing as late payments on open ended credit plans. 

3. You have failed to remove these accounts after my previous attempts of communication with your company after my right to privacy ( 15 USC Code 6802 ) has been violated and you have no proof or validation that I was late on any payments. You have also participated in unfair practices by being one sided with the companies and not the consumer.

You have violated my right to privacy and defamation of character by providing me with deceptive forms and reporting negatively to my credit report. I have disputed this account before and nothing was done about it. The company XXXX XXXX, XXXX ( Acct # XXXX sold the debt to XXXX and XXXX and you are falsely reporting this on my credit report since this account has been charged off and there is still an balance on my report. 

I have attached the following files for your review pertaining to this compaint showing that I have been denied for credit for a home through XXXX XXXX XXXX. Also I have attached XXXX still being on my credit report after they charged it off.

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 2022-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello I have been banking with BofA for over a year now and have had many unpleasant encounters with customer service one being that every five transaction my card would be blocked and I would have to call a number and agree to the last five transaction. In order to make my next purchase that has been going on and on since I deposited money through an ATM and the system somehow didn't have a exact amount on how much was deposited there was some kind of error. Now here 's my current problem with BofA I had gotten to an accident and was brought to the XXXX my car and belonging we're taking to a tow yard my wallet was in my car after getting outta XXXX I go to get my belongings and my wallet is no longer the car I check my account and money had been taking from my account so I called and reported it they canceled the card and at the end of the conversation I was told that the money won't be replaced til 45 days when an investigation is finished and from what I understand my money would be replaced immediately so I beginning to get into a verbal dispute with the lady and ask her for her supervisor and she says they're all busy right now that she can't transfer me I at this point am beyond angry and she hangs up on me and my claim she was in taking never gets submitted I find out because I never received a new debit card so I filed a XXXX  complaint after they received my report I get a letter stating I never made a claim then how did my card get cancelled. The letter also stated I was. Issued a new card but my online account stated the account didn't have a debit card assigned to it so I call back and they tell me my account has been closed and they don't need to explain to me why final decision.

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 2019-01-30
Company: EQUIFAX, INC.
State: MI
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 a credit card reporting on my credit bureaus as a derogatory account. This account was included in my Chapter XXXX bankruptcy in which I listed it in my bill of matrix. This matter should have been removed once my BK was discharged. It is still showing on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My father recently XXXX XXXX in XX/XX/XXXX from a XXXX XXXX and he was the cosigner on my loan. In good faith, I contacted Navient to request a release of the cosigner and instead my loan is now considered automatically defaulted when I have never missed a payment since I got the loan in XX/XX/XXXX.  Now, the debt collection company Navient uses to scare people, XXXX, is contacting my mother who is XXXX enough from the XXXX of her husband, demanding payment. I am requesting that Navient recall the loan from XXXX and allow me to be the sole individual on the loan. It does n't make sense to treat this as a default because I 've been making payments on time and it will turn a good loan into a bad loan. Amount owed is {$5800.00} and {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
ON XXXX I paid my Final balance with capitol one. 
Afterwards, i was contacted regarding inactivity use, and explained to Capitol One that i wanted to to keep the account Open and did not want to have a Balance owing because of the Excessive high intrest rate they were imposing. soon after, they in fact closed the account and said That i wasn't consistent with paying, but provided no proof of a balance owed. On XXXX Capitol One issued letter stating closure on XXXX stating to use, or close account. However, they seem to be LANGUISHING with the specifics of the account status, more so with the credit bureaus as of XXXX in my XXXX XXXX files. I don't UNDERSTAND why a company would vacillate unprofessionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
i have viewed my consumer credit report and notice some unathurized inquries that has been placed on my account on XXXX by ALLY FINANCIAL AUTO FINANCE Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. I XXXX XXXX never gave XXXX, XXXX  AND XXXX._any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter. and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 ) ... I AM ASKING THE CREDIT REPORTING AGENCY TO PRODUCE A CONTRACT BETWEEN ME AND THE CREDIT REPORTING AGENCY LISTED IN THIS AFIDAVIT SHOWING THAT I GAVE YOU PERMISSION TO FURNISH THIS REPORT IN THE FIRST PLACE ... BY CHANCE THAT YOU DO HAVE THIS CONTRACT I WANT A SENIOR EXECUTIVE STATING THAT I GRANTED MY PERMISSION TO FURNISH THIS IN THE FIRST PLACE ... PLEASE DELTE THESE INQUIRES

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 2019-11-22
Company: GOLDMAN SACHS BANK USA
State: DC
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:
Today I was making a payment o my Apple credit card and right after submitting an online payment I noticed I entered the wrong amount. I meant to entered {$190.00} but instead I entered {$1900.00}. I immediately contacted the credit card company and I was told they can not cancel the payment because it already posted to my account. This all happened in about XXXX minutes. I was told to call my bank and put a stop to the transaction. I will now have to pay about {$60.00} in fees. 
All of my other credit cards allow me to cancel or edit payments until they withdraw the money from my bank account. 
I also found odd that after the money is withdrawn from my account and " posted '' to the credit card, it will take up to a week to have the payment reflected in available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Experian Information Solutions Inc.
State: NY
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 a victim of 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 2020-02-26
Company: Mobiloans, LLC
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: Account status incorrect

Complaint:
I'm part of a class action settlement ( XXXX, et al. v. XXXX XXXX, XXXX, et al. 
Case No, XXXX ). As part of the settlement, Mobiloans has agreed to cancel and remove my account on my credit report. I've tried to dispute the information multiple times through XXXX, but it still shows as a charge off and on my account. Please remove this trade line as soon as possible. 

Attached is the approved class settlement action.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Due to the XXXX  data breach, there's fraudulent inquiries reporting on my account. Please remove the following fraudulent unknown and unauthorized inquires on my credit file. 

1 ) XXXX XXXX XXXX XXXX ) 2 ) XXXX XXXX XXXX  ( XXXX ) 3 ) XXXX  XXXX XXXX XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX XXXX XXXX ( XXXX ) 10 ) XXXX XXXX ( XXXX ) 11 ) 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 2017-07-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
New Penn agreed to fund our loan on XX/XX/XXXX and they were told immediately we had a non-occupant co -borrower. We provided all required asset and income information and we met every condition. The appraisal was ordered by New Penn and the house met the appraisal amount required. New Penn called me to confirm information and congratulated me on the home loan. New Penn told my broker to expect documents to sign on X/XX/17. Today X/XX/17, we were told they would not fund the loan because of the non-occupant co borrower ( which they knew about in XX/XX/XXXX ).

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 2023-02-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I attempted to contact this company several time to ask for proof of debt and they have been unable to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
To Whom it may concern : Pursuant to Title 15 usc 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of the credit card or similar device shall be excluded from the consumer report. The term credit card as defined under title 15 usc 1681 states any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. The credit card being my social security card. Notice Congress said ANY card. This is the card I used to originate every consumer transaction below. They along with each inquiry should be excluded from my consumer report pursuant to 15usc 1681a ( 2 ) ( b ). I am demanding that you remove these transactions from my report immediately as they are in violation of my rights as a federally protected consumer under title 15 chapter 41. I am also demanding that I be compensated pursuant to 1681n ( a ) ( 1 ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11
Company: EQUIFAX, INC.
State: NV
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. 
The following Accounts : XXXX : Lease with 4 late payments in the past 12 months, most recently in XXXX. account. # XXXX XXXX  : XXXX XXXX for {$2700.00}. 
Account # XXXXXXXX XXXX XXXX  : Installment loan collection for {$2600.00}. 

XXXX XXXX XXXX collection for {$1200.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX  collection for {$1000.00}. Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection for {$1000.00}. 
account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection for {$1000.00}. 

XXXX XXXX : XXXX XXXX collection for {$340.00}. 

XXXX XXXX XXXX XXXX XXXX  collection for {$230.00}. 

XXXX XXXX : Secured loan collection for {$150.00}. 

XXXX XXXX XXXX  : XXXX  insurance collection for {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a capital one credit card since XXXX. On XX/XX/XXXX I advised capital one that I needed to buy urgent medication for my child in California. The closed my credit card. I immediately sent capital one my drivers license to prove its me. The employees were super unprofessional and non accommodating to help me remove the restriction. Finally XX/XX/XXXX I sent my drivers license again and again and it was Re opened. XX/XX/XXXX I paid my balance in full {$720.00} before my due date. XX/XX/XXXX they sent a letter to my moms address XXXX XXXX w non signature informing me they closed my card and I was rude. Today XX/XX/XXXX XXXX XXXX  informed me they lowered my credit capital one by closing my account and put a permanent remark about me to XXXX for 10 years. This capital one is unreal theyre rude unprofessional and did illegal things to me. Theres a class action lawsuit against capital XXXX XXXX dollars and XXXX XXXX customers were affected by their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Mission Financial Services Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I picked up a XXXX in XXXX Ga XXXX. The truck was a lemon. The truck made it back to XXXX and quit. I had a mechanic look at the vehicle. He stated the vehicle was a lemon and It would not haul any load because the vehicle reconditioned. The truck broke down and was towed to wrecking yard at XXXX request. I received a check from insurance company in which I then gave to XXXX 's for {XXXX} I had this vehicle one day which the law allows for 30 day I believe in state of Texas. However how is it that I owe XXXX on vehicle the insurance only paid half. The account does not belong to me but it belongs to XXXX 's XXXX and the trucking company they guided me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: NJ
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: Billing dispute for services

Complaint:
According to the CARES ACT ... .. an accomodation includes " ANY '' payment assistance or relief granted to a consumer affected by the pandemic ... .my account was in good standing and current as agreed until XX/XX/2021... .A late payment shows in XX/XX/2021... I am asking for relief and consideration for this payment to be reported and updated according to the accomodation of XXXX  granting and waving a late fee during this time which constitutes an accomodation which qualifies under the CARES ACT. 
Acct # XXXXXXXX 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 2022-06-11
Company: Experian Information Solutions Inc.
State: MS
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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2017-10-17
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A payday loan company got a judgement on me in XXXX in the amount of {$1300.00} which includes court fees and costs. I started paying them back on XXXX/XXXX/XXXX {$50.00} per month through a debt management company. When they were contacted in XXXX XXXX by the debt management company to set up a payment plan they automatically served me with court papers. I got the court date cancelled by filling out a financial statement and proof of needs based assistance. The debt collection company agreed to a temporary payment plan of {$50.00} per  month for 5 months. I upped my payments to XXXX per month in XXXX XXXX like they asked. In XXXX XXXX i received another summons to appear in court. The debt management company called the collection company with me on a 3 way call they stated we were going to court again because I had not completely completed another financial disclosure form that they sent to the debt management company. The debt management company had no records of their request. The debt collector said if i complete the form completely that we wont have to go to court but i will still have to pay them court fees. I have been called at least once per week by the debt management company requesting my bank account information and employer information for the debt collector since XXXX XXXX. I have paid XXXX dollars on this debt over the past year and have XXXX left to pay. The debt management company tells me the collector is charging me interest at 12 %. This is a 6 year old debt. The reason for the court date on the papers i was served is for unpaid debt in the amount of XXXX. I only have XXXX left to pay plus they are now charging me interest. Is this legal? They have not agreed to a payment plan for whatever reason but are cashing my payments. I should not be responsible for added court fees again i am already paying them in the judgement of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Experian Information Solutions Inc.
State: WA
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 XXXXXXXX XXXX XXXX XXXXXXXX, 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 explanation