BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-01-13
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi, My account has always been set on autopayment with funds being drafted automatically monthly. Something happened where the account was no longer being auto paid monthly that was unknown and unannounced to me. I always assumed that I was making monthly payments. 

It was not only when I was trying to buy a house did the lender notify me of this situation. I immediately paid off all late fees and put the payments back on monthly autopay. Pen Fed ( my heloc ) would not remove the late reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I submitted a dispute with Equifax to remove two hard inquiries ( made on XX/XX/XXXX and XXXX ) on my credit report that I did not recognize and were not authorized by me. However, their investigation ( returned on XX/XX/XXXX ) did not find an issue with either one. I was able to contact the company that made the hard inquiry on XXXX and they verified, based on the personal information I provided, that it was a fraudulent attempt to open a new line of credit in my name and informed me that they would remove the inquiry from my credit report. As of XX/XX/XXXX, the second hard inquiry on XX/XX/XXXX and fraudulent attempt to open a new credit line in my name hasn't resulted in a new account ( to my knowledge ), but I've been unable to figure out which company address or phone number to contact and verify this and to have the inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, 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:
There was a breach of security at Equifax with my personal information made vulnerable along with 140 million other individuals, and per their report on their website, my information is at risk. This places me under duress that my information can be stolen and my identity stolen, which can lead to significant impact on my life and my family 's lives in the future if it is stolen. This company did not have proper protection in place as evidenced by the significant amount of impacted individuals.
I have already placed a 90 day free fraud alert on my file. I also have obtained my free annual credit report from XXXX and XXXX. I have been unable to obtain my credit report from XXXX for some unspecified reason per the website. I have sent a written request for my credit report from them today XXXX. 
Equifax has not contacted me that my information is at risk, I had to find out on my own and check their website to discover this. 
I believe that one year of credit monitoring and fraud protection is not sufficient protection for the amount of people affected by this attack, nor is the punishment of the company reflective of the significance of this attack. In addition, signing up for their protection for one year voids our ability to pursue legal recourse in the future if our information is used past the year of protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax reporting late pay for XXXX 2022 when the other XXXX XXXX  are reporting on time. Correct this inaccuracy immediately. According to federal law, everything is supposed to be accurate on my report. Even the balance is incorrect. Update immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a XXXX XXXX XXXX loan, Bank of America did not credit the funds that XXXX XXXX   and I paid towards my mortgage principal. Therefore, my mortgage balance is incorrect. Bank of America is foreclosing on my home eventhough the mortgage was not properly credited.

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 2018-11-05
Company: ALLY FINANCIAL INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The amount owe is not the right amount The right amount is 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 2018-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I WAS CHARGED FOR SEVERAL CHARGES ON MY CAPITAL ONE MASTER CARD. I CALLED INTO CREDIT CARD TO FILE FRAUD COMPLAINTS AND THE CREDIT CARD COMPANY SAID THAT IT WAS TOO OLD AND THEY COULDNT HELP ME, WHICH I DONT UNDERSTAND BECAUSE CHARGES WERE SUPPOSE TO BE FILED IN FRAUD BACK IN XX/XX/XXXX AND XX/XX/XXXX WHEN I FIRST SEEN THESE CHARGES ON MY STATEMENT AND I REPORTED THEM RIGHT AWAY, BUT NOTHING WAS DONE. PLEASE HELP ME TO GET MY MONEY BACK FOR THESE FRAUD CHARGES ON MY ACCOUNT. I AM A XXXX XXXX AND I LIVE ON A FIXED INCOME AND I HAVE BEEN NEEDING THIS MONEY BACK FOR A VERY LONG TIME NOW. I WILL LIST ALL THE CHARGES ; XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX THIS IS A TOTAL OF XXXX THIS IS ALOT OF MONEY THAT WAS TAKEN FROM ME. PLEASE TAKE INTO CONSIDERATION MY REQUEST FOR RECOVERY OF MY FUNDS. THANK YOU

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13
Company: FORD MOTOR CREDIT CO.
State: CA
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
INNACCURACIES ON MY CONSUMER REPORT DELETE IMMEDIATELY. 



XXXX ACCT # XXXX STATUS CLOSED, BALANCE XXXX XXXX OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) CURRENT PAST DUE ( XXXX ) ( TRANSUNION ). 

XXXX ACCT # XXXX STAUS CLOSED, BALANCE XXXX XXXX OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ) ( INACCURATE ) CLOSED DATE NONE ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ) CURRENT PASS DUE ( XXXX ) ( XXXX ). 

XXXX ACCT # XXXX STATUS CLOSED, XXXX XXXX ( INACCURATE ) OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) CLOSED NONE ) ( INACCURATE ) LAST REPORTED XX/XX/XXXX ) XXXX XXXX XXXX ACCT # XXXX, STATUS CLOSED, BALANCE XXXX, OPEN DATE ( XX/XX/XXXX ) CLOSED NONE, LAST REPORTED ( XX/XX/XXXX ) ( XXXX ) XXXX XXXX  XXXX  ACCT # XXXX STATUS CLOSED, BALANCE XXXX, OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) CLOSED DATE NONE, ( INACCURATE ) LAST REPORTED ( XX/XX/XXXX ). ( XXXX ). 

XXXX XXXX XXXX ACCT # XXXX, STATUS CLOSED, BALANCE XXXX, OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ), ( INACCURATE ) CLOSED DATE ( XX/XX/XXXX ) ( INACCURATE ) LAST REPORTED ( XX/XX/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 2022-06-15
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 XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 


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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-04
Company: Selene Finance LP
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I do not believe this company has standing. I have sent the following request to them : XXXX XXXX. XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX " Qualified Written Request ''. No answer XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX Dispute of Validation of Debt requiring answers XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX Request for original lender. Response received says who current lender is. Not what I asked. 

XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX Dispute of Validation of Debt requiring answers XXXX XXXX, XXXX Certified # XXXX XXXX XXXX XXXX XXXX I called Selene and verbally asked the questions that are on the letter. I was told to fax my questions to them. I did. I followed up with certified mail to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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:
On XXXX XXXX, 2017, I accessed the website to learn that I may have been impacted by the Equifax breach. As a new member ( still a college student ) navigating the complex credit system, I had no idea how I could receive help and read online that there may be a lot of deception behind Equifax 's system. Upon attempting to access my credit report online via Equifax, I got an error and could n't navigate the system to get it on paper ; plus, I would like to have the information now to know that I have n't been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX, U.S. Bank seized my XXXX XXXX XXXX Federal Benefits for me and my XXXX minor dependent children, XXXX XXXX and XXXX XXXX. I listed the amounts below. 

XX/XX/XXXXFederal Benefit Credit- XXXX XXXX {$270.00} XXXX/XXXX/XXXX Federal Benefit Credit-XXXX XXXX {$270.00} XXXX/XXXX/XXXX Federal Benefit Credit- XXXX XXXX {$930.00} US Bank seized a total {$1400.00} in XXXX XXXX XXXX Federal Benefits. {$360.00} of that were in overdraft fees leaving me with a negative balance of {$45.00}. This seizure of benefits left me without money for food and medication. 

OnXX/XX/XXXXI called US Banks Customer Call Center and spoke with a supervisor that identified herself as XXXX. I requested that the overdraft fees be waived due to the hardship it would place on me and my family. I repeatedly informed her that taking my entire Federal Benefit would leave me with any means to purchase food for my family nor would I be able to purchase the medication required to treat my XXXX XXXX XXXX. She refused stating that the bank would not waive the fees because they already returned {$280.00} ( in wrongfully assigned overdraft and insufficient fund fees, which XXXX claimed was done as a courtesy ) and three {$36.00} ( {$100.00} ) overdraft fees in the past and would not help me out anymore. 
I asked if the overdraft fees could be returned since they were unlawfully assigned to my Federal Benefits XXXX XXXX XXXX and XXXX XXXX anyway. 

I informed her that my children could ( at that time ) not go nine days without food nor could I go that long without my medication which I need for my XXXX XXXX XXXX, including XXXX XXXX and XXXX due to my XXXX XXXX  XXXX and other XXXX XXXX XXXX. 

XXXX went on to educate me ( her words ) that US Bank would continue assess additional extended overdraft fees to my checking account every three days until the overdraft fees were all paid off. She then said that the bank had every right to take the money regardless of the Social Security Anti-Assignment Act. XXXX went on to say that I should manage my money better and not order pizzas as she could see that I had on the XXXX of XXXX. 

Before the call ended she demanded to know if I wanted her to take off my overdraft protection and I told her yes, I never asked for it. She said that it was automatically provided back in XXXX when I agreed to it, and assured me that my overdraft protection had been removed. 

On XX/XX/XXXX US Bank assigned {$45.00} overdraft fee with an additional {$25.00} extended overdraft fee assigned onXX/XX/XXXX, but did not attach the extended overdraft fee until my XXXX XXXX XXXX XXXX directly deposited into my checking account. 
To date, US Bank has me at {$1600.00} in the negative in overdraft 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 2022-06-15
Company: Self Financial Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im the general executor and trustee of the XXXX XXXX XXXX XXXX estate/Trust I am taking the time to correct the record pursuant to 15 U.S. Code 1681 A & B Im requesting you send me the 1099-C

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, and 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't furnish an 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 2022-01-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax removed my mortgage name XXXX XXXX  XXXX Mortgage account number is XXXX from my credit report by mistake need to be added back on, and refuse to correct the spelling of my name. See copy of my mortgage statement and Driving License to update my informations. 

CREDIT REPORT/myEQUIFAX saying about my mortgage account : Mortgage Accounts Report Date : XX/XX/2022 Mortgage accounts are real estate loans that require payment on a monthly basis until the loan is paid off. 
You currently do not have a Mortgage Account. 

If you have had one in the past that you paid on as agreed, but have since closed or paid off, it stays on your credit report for up to 10 years since the last activity date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, 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:
Equifax has exposed me to the threat of identity theft via their mishandling of PII. I am appalled at their lack of due diligence in the wake of this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

It is further frustrating that I am now responsible for repairing this damage, for which I believe I should be compensated in the form of free monitoring and credit freezes/thaws, paid for by Equifax. 

I also hope that this ( and the multitude of other complaints like this one ) result in legal recourse for Equifax and stricter standards are implemented in order to prevent this from happening in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I went to the Capital One XXXX in XXXX Washington DC, and was told I was signing up for a secured credit card, and that I would be able to deposit money into account to use as collateral. I was planning on depositing {$1000.00}, but I was lied to. They signed me up for a credit card that was unsecured with a {$300.00} limit and {$40.00} annual fee. I tried closing but they kept forwarding my call to another department. I spent an hour and 15 minutes and didn't get anything. I then asked to get a secured card, and they rejected my application. Is this legal?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-11
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I enrolled in college in 2010 got {$8000.00} in student loans and navient kept telling me ( because I was struggling to find work ) economy went bad and they kept telling me no problem we will put it in forbearance without telling me they were charging me interest like crazy. now I owe over {$20000.00} and they are constantly calling and demanding payment and I cant afford what they want I am very upset and hope these lawsuits against them put them through the same misery they have been causing the people they have extorted for the last 10 years thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I did NOT give written permission to anyone at any time to furnish this information. The following accounts have are in violating my rights. 

XXXX XXXX XXXX - Account. XXXX XXXX XXXX XXXX - Account. XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX XXXX - Account. XXXX XXXX  - Account. XXXX, XXXX - Account. 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 2022-06-15
Company: EQUIFAX, INC.
State: NJ
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 AN XXXX XXXX XXXX 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 agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation