BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received mail from One Main Financial stating pre qualified loan vouchers. I indicated on my application that I had no vehicle for use for a title. I submit my application they stated I was approved for a secured loan and needed car title, its misleading because on my application I put I have no car. I call the location on XXXX in XXXX Fl and the representative stated to herself not sure why they asking for it, if you put that on your application. I feel I need to be compensated and credit reporting need to be removed due to misleading information n I told them no car at all on my application. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: KS
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 sent XXXX multiple disputes and an FTC ID Theft Affidavit. I chatted with a representative on XX/XX/23. He stated that they rejected my FTC ID Theft Affidavit on standards that do not meet FCRA 605B. XXXX is in violation of FCRA by having not blocked the fraud within 4 days of receipt. 

I have sent the same disputes to Equifax and they also have violated FCRA 605b by not responding with the 4-day requirement as indicated the law. Equifax also refuses to remove a duplicate erroneous account despite multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On ( XX/XX/2022, XX/XX/2022, and XX/XX/2022, I Transunion you to investigate items that I believed were reporting not 100 percent accurate on my credit report. The following account was in dispute : 1. Collection Account : XXXX XXXX XXXXt # XXXX The IRS defines a Charge off as a debt that is forgiven or discharged for less than the full amount you owe. According to the IRS website, charged off debt or a debt is canceled, the creditor may send you a XXXX XXXX, XXXX of XXXX showing the amount of cancellation of debt and the date of cancellation. I have never received a XXXX XXXX, XXXX of XXXX, or any other forms stating that this debt is charged off. 

In addition, Transunion is still reporting addresses on my credit report that are undeliverable to me by the United States XXXX XXXX : Incorrect Address : XXXX XXXX XXXX XXXX  XXXX, SC XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, SC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  : I opened my account on XXXX XXXX XXXX. I didn't even start using my credit card until XXXX XXXX XXXX. My usage was suppose to be reported 29 days later to the credit bureaus however my usage was reported on XXXX XXXX when I haven't even had a date of when payment is to be received or payment amount given to my by XXXX XXXX XXXX. 

According to the terms and conditions, my credit card should not have been reported yet. However it was and my credit score went down by over 20 points even though I haven't even had a 1st payment due.

I want my points back for my credit score. I should have never had my credit card usage reported that soon in accordance with my credit card company. LESS the 10 DAYS LATER after opening up the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX XXXXXXXX Account Number : 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 explanation
Consumer complaint received 2023-01-19
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2023-02-26
Company: Lockhart, Morris & Montgomery Inc.
State: TX
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:
Enrolled in school in XX/XX/2020 and was told Id work for the company and pay the debt, and that the loan would not reflect on my credit. But once I was not employed by the company I received a derogatory comment and debt as if I had a credit card I never received a bill from the 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 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I apparently owed money to them for something and never knew what for. I found out they emptied my account when I went to order a pizza one day for my kids after work. Portfolio Recovery had taken every XXXX of my money from my account including all of my child support. They took over {$2000.00} without ever notifying me or letting me know why. My electric ended up getting shut off, and I lost all the food in my fridge. I had to move in with my mother until I could get the money to turn my electric back on. I was never able to get them on the phone, and still have no idea what it was for. I never received any type of phone or mail notification, and still haven't to this day nearly 9 years later. 
My name was XXXX XXXX XXXX at the time and I was a newly separated single mother. They stole every last cent from my account and left me almost homeless with kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: NEW YORK COMMUNITY BANCORP INC
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought my home in XXXX of XXXX prior to entering into a new military contract for XXXX XXXX. I made an agreement with mortgage lender for Covid forbearance and was guaranteed that once my issue was resolved I would be approved for a loss mitigation option. My new mortgage lender which is Flagstar bank that the loan was transferred to the following year XXXX, had made an agreement to uphold that. Unfortunately they have now denied all loss mitigation options. I am military member and I am protect under SCRA which prevents foreclosure against XXXX XXXX military members with out a court order. They also have to give me 90 days once the house is in default. The company is trying to give me no option to keep my home and have even released information to real estate agents offering to sell my home which is violation of my privacy. I accepted the Covid forbearance with the guarantee of loss mitigation option to keep my home and they have not upheld that agreement. I have served for my country and would like the option to keep my home and them to do the right thing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I didn't know i had an account that was open

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
Calls arent returned. USAA bank seems to be infiltrated with fraudulent personnel and have been fined. I am XXXX. I live on my SS. I need help Ive spoken with many people nothing is cohesive. I need my money or I will be XXXX  as my rent is past due. Please help me this is urgent. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a mortgage loan accounts with Wells Fargo. Between XXXX to XXXX. I applied for modification but didn't get approved to save wrongful foreclosures. I haven't received any settlement. Please advise. 

Thanks, R

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: ALLY FINANCIAL INC.
State: NY
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 this creditor has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Just ridiculous overdraft fees and ridiculous ATM fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: SYNCHRONY FINANCIAL
State: IL
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:
I currently have XXXX hard inquiries on my credit report that I did not authorize. I have filed a complaint with the FTC in regards to identity theft in the past. The XXXX unrecognizable inquires are from : XXXX XX/XX/22 XXXX  XXXX XX/XX/22 PayPal XX/XX/22 XXXX XX/XX/22 XXXX XXXX XX/XX/22

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Midland Mortgage is reporting my account as late, and missed payments for the months of XX/XX/XXXX and XX/XX/XXXX, despite the issue being a problem on their end. We were previously reported as late for several months at the end of last year and disputed it with XXXX in XX/XX/XXXX. Midland then confirmed that we were not late the report was updated to reflect that, but they are continuing to report us as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery has attempted to get me to pay a debt that I settled directly with XXXX XXXX XXXX back in XXXX. In summer XXXX, during a pandemic, they somehow reopened my settled debt with XXXX XXXX XXXX and now refuse to remove the debt from my credit report which is causing me to be denied to open other credit cards and can potentially affect my capacity to rent a new apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In the month of XXXX, I was late on my Capitol One payment which is normally about {$120.00} per month. However, since I was late they doubled the payment because of the " billing '' cycle had changed. So I made a payment of {$120.00}. When I just went to make my payment, I got an alert on my Capitol One app that I was XXXX months past due. Now they want to double the payment in order to make the account '' current ''. The have now counted me XXXX days late which will report as derogatory on my credit. Not once did anyone reach out to me regarding the payment amounts or anything being insufficient. I have no issues coming up with the amounts that I actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo regularly failed in the servicing of my mortgage. At various times, they alleged default and included foreclosure costs which were estimated and not actually incurred in violation of my mortgage contract and federal and state laws. As a result of the foreclosure costs, they required me to paid in full as a condition of restating the loan. Their reconciliations show they collected thousands of dollars not due to them and their reinstatement figures were materially overstated. During this period of alleged default and not actual fees having been assessed, Wells Fargo furnished negative information to the credit reporting agencies which continues to be furnished through today. These furnishings have prevented me from refinancing my financial obligations as well as indicating to other lenders that I was a credit risk. During the alleged default, they continued to prepare court filings that indicated they were due amounts that had not been incurred. Their law firm was relentless in the pursuit to obtain a court order of default in order to sell my home at sheriff sale. The underlying conditions they created resulted in health problems and the inability to earn a living having to defend their baseless claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. I look forward to hearing from you soon. Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 15 U.S. Code 1681e ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. With that being said, we can see under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. On EQUIFAX, they are reporting an incorrect address below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received notice that monthly mortgage payment would be increasingly significantly beginning in XXXX. I switched insurance and cancelled existing policy bringing down the insurance premium. I am currently paying the new insurance out of pocket. I am going on XXXX months of trying to reach customer service and the insurance department of Fifth Third Bank without any success to resolve insurance and escrow discrepancies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
TD Bank failed to provide written proof of their ability to report non public information regarding my account to third parties. They requested I contact their collections department which I did and they never responded with any written proof regarding my complaint. 

TD is aware under law they can not pursue collection of any payments on accounts that are in dispute and I continue to get payment requests from them but they refuse to respond to my dispute with written proof of a response to my disputes.

Company response to consumer: Closed with explanation