BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 number XXXX XXXX XXXX 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 2023-01-07
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have all the correct paperwork to prove what I'm saying.. people at usbank stole XXXX from my XXXX XXXX they stole refunds pretending to be the XXXX  just to get information from me.. they refuse to give me any information telling me my account is closed when they can't close my account XXXX is the one that open and closes my 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 explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - ( 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 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 2023-01-07
Company: EQUIFAX, INC.
State: NC
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:
Equifax and XXXX are forcing me Yo jump through hurdles regarding getting Identity theft entries removed from my credit files! 

I have produced all the proper documentation and files the appropriate reports with the FTC, the North Carolina Department if Justice and the XXXX XXXX XXXX XXXX Department, our local law enforcement division. 

Equifax and XXXX both are violating my rights and harming me everyday by not following the law. 

Please assign an investigation into the violations of both. 

Per laws : All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA.

Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Trans union, XXXX and XXXX refused to update my credit profile and send me a copy of 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 2023-02-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX in XXXX has been trying for almost a year to get information from Select Portfolio Servicing to clear my house title

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Synovus Bank
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:
Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the XXXX has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American XXXX on The Rights of Indigenous Peoples!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: FL
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX CA- {$5000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA - {$1000.00} These transactions were made out of state and fraudulent. I was never notified by the company that these transactions were made. I also never got a notice or notification asking to approve out-of-state transactions as well as in such high amounts. I had a hard time accessing their online platform and thus never saw the transactions till now. Now Pinnacle Bank are stating it is past the amount of time to report this fraud, yet they never notified me of potential fraudulent transactions that was out of state and should have easily been detected as fraud. I am a victim of fraud I had no knowledge of any of these transactions stated above nor can find any info about the company that took my money and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In 2019, a letter of credit was extended to Capital One Auto Finance in the amount of {$20000.00}. Capital One Auto Finance is withholding {$19000.00} for a total of {$39000.00}. Capital One Auto Finance has misrepresented themselves as " lenders '' in this transaction, when in fact the transaction is an investment. Capital One Auto Finance did not lend any money regarding this transaction. It appears Capital One is engaging in unfair business practices, conspiracy to defraud, conspiracy to defraud investors, and conspiracy to commit bank robbery as Capital One Auto finance has sent letters threatening to accelerate a debt and seize personal property they do not own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called MyFedLoan just few days after they announced " Debt Relief '' for student loans to get my {$1200.00} back that was paid during the pandemic forberance period. They processed my request, but didn't gave me any confirmation number as they mentioned they will have to do it manually. To this date, I have not yet received any funds back in my bank account. I called in about 6-7 weeks ago and I had to restart the process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
They froze my account saying that there was odd actions being taken on my account then they said they needed verification that it was me so I sent them pictures of my ID front and back as asked it in a picture of me with my ID and the date of the picture and they still wont release my funds to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have contacted Transunion over a period of one year, starting in XX/XX/XXXX, dozens of times by mail and phone. I initially received 20+ letters stating " Unable to locate Credit Report, '' which is odd because they provided credit scores, and I was being denied credit with Transunion listed as the CRA . After sending my information to them many times, the same situation continued. In the hundreds of hours dedicated to this problem, I finally noticed a social security number with two digits transposed in an old credit file from XXXX. 

After multiple calls and verifications again, Transunion finally " found '' my credit file and said they would mail it to me. I received a letter requesting confirmation of proof of my social security number and proof of date of birth, Again. When I finally received my first copy of my Transunion Credit file 14 months after the first request, in early XX/XX/XXXX, I found seriously inaccurate information. Paid and closed school loans over {$100000.00}, and much more. I was told that I could dispute one item at a time, and when it was resolved, I could move to the next item. There were nine school loans alone. Unsatisfactory. I spoke to a supervisor and told him I would be disputing all of the fraudulent information immediately. The failure of Transunion to accept that would be met with a flurry of lawsuits. I asked him to transfer me to their legal department if the proposal I was offering was untenable. We resolved most of the discrepancies by the end of XXXX. 
Now, ready to view my credit file online, I was denied, again and again. I got the special department, who admitted it was an error on their part, and as of Thursday, I had a phone message stating it was resolved, and I could see my credit file online. No joy. I have uploaded a screenshot of the garbage I have been getting for 15 months. They deserve a series of lawsuits by my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX But, I have always gotten a resolution through CFPB, and that is why I am writing XXXX you tonite at XXXX am.

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 2023-01-07
Company: Conn's, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for credit at Conn 's XXXX located on XXXX XXXX here in XXXX, FL. XX/XX/XXXX. I spoke with an agent and told them what I was looking for. I picked out my items and the agent told me that I had XXXX options and that was to be approved though XXXX bank XXXX Conn XXXX bank. I was immediately denied by XXXX but Conn 's told me I was approved for {$10000.00} in credit through them. But, keep in mind that I did not have a credit profile at this time so how could I be approved for such a high limit without a credit history? I was told that if I paid the XXXX same as cash amount by XX/XX/XXXX then my payout amount would be around {$4500.00} which is the actual price of the items. My payments are {$200.00} a month and after 12 months that is a total of {$2400.00} which means, even if I paid my payments on time every month, I still would not pay the full amount because the payments are not even setup to cover enough in order to pay it off within 12 months. So, after 12 months pass and I still owe a remaining {$2000.00} on the actually items I now find out that I am being charged {$83.00} a DAY IN INTEREST because it was not paid in full within the 12 months. This account has caused me stress and for me to fall behind on my other bills from trying to pay it in full. This is PREDATORY LENDING and I have tried several times to negotiate with this company to resolve this issue and make it fair to me as the consumer. I was not told this nor did I see this in the contractual agreement that I would be being charged DAILY INTEREST. The contract is inadequate and contains false disclosures. I make all my payments on time and have now paid almost XXXX 's the amount for the merchandise. I want this relationship to end on a positive note so, I will be seeking counsel and contacting the local attorney 's XXXX XXXX to have my contract and case further looked into. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Spring Oaks Capital, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a XXXX XXXX account that went bad in XX/XX/. The account was sold to a company called Spring Oak Capital. This account only reports on my XXXX account because I reached out to XXXX and XXXX and they verified that the original account was past the statue of limitations for reporting. XXXX refuses to do anything about the report. Spring Oak calls my wifes number numerous times and bothering her at work saying they are gon na sue if we don't pay. The statue of limitations for Texas to sue is 4 years, and reporting is 7 years. They continue to harass us. When I tell them that they are outside of the law, they inform me I don't know what I'm talking about. Eventually I just hang up on them. And yet they still call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: TN
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:
following acct info is incorrect and is adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 XXXX XXXX XXXX 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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.

Please include 1. Copy of original application 2. My original e-signature of application 3. Full payment history from original creditor.

4. Original purchase agreement showing you can legally collect the alleged debt.

Thank you for your time and help with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Please investigate XXXX XXXX 30 day 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 non-monetary relief
Consumer complaint received 2022-11-02
Company: Experian Information Solutions 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  account XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Our Capital One account was in the process of closing starting early XXXX, on XX/XX/24 an ACH was deposited into this account which should have gone to our other bank. Capital One is still holding the funds balance ( {$38000.00} ) while they investigate. I have called repeatedly and was not provided any timeframe for the release of these funds. These funds need to be released asap, this is a lot of money they are keeping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: NM
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:
XXXX Dear Equifax This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries REMOVED : Made by : XXXX XXXX XXXX XXXX Auto ) Made on : XX/XX/XXXX Made with : Equifax Made by : XXXX XXXX XXXX Made on : XX/XX/XXXX Made with : Equifax Made by : XXXX XXXX XXXX XXXX on : XXXX, XXXX XXXX Made with : Equifax

Company response to consumer: Closed with explanation