BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
TransUnion added a collection account, XXXX XXXX XXXX, to my credit file and reduced my credit score and creditworthiness substantially. First, this collection account was added to my credit file with out my knowledge meaning I was never contacted by XXXX XXXX XXXX, Second, this account is being reported as a collection account with a past due balance. Collection accounts by definition is past due, and should not have a past due balance. Last, XXXX XXXX XXXX, has stated they are unable to find an account that matches my name and address. Therefore, Trans Union is reporting in accurate information on my credit file.

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 2017-08-29
Company: Experian Information Solutions Inc.
State: PA
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:
Experian continues to report late payment history for XXXX acct XXXX thru and including XX/XX/XXXX regardless that the account was forgiven in full with a zero balance with a XXXX inXX/XX/XXXX. 

Experian also continues to report late payment history for the XXXX XXXX/XXXX acct XXXX for the months of XX/XX/XXXX& XX/XX/XXXX regardless that the account was settled in XX/XX/XXXX. 

Both of these constitute false reporting by Experian since the account was fully resolved, the balance is XXXX and there is XXXX past due amount. Both XXXX and XXXX have correctly stopped reporting delinquent payment history following the dates the two accounts were resolved ( see attached 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 2019-11-27
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
XXXX Account number or transaction number From PayPal For the dollar amount unauthorized by me under a XXXX *** **** number no longer in use by me or anyone authorized. 

Amount {$130.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have submitted a dispute with Experian for reporting a Public Record Bankruptcy on my credit report and have nothing has been done to rectify the situation. I have also complained and disputed a substantial number of inquiries that do not belong to me and as of XX/XX/XXXX, and still no attempt has been made to rectify that situation either. Per their representative I need to contact the creditors and request they remove the information. I have in writing and verbal per FCRA disputed the public record and inquires that are greatly affecting me especially with my job and I was informed they will not do any such thing. I also requested proof of verification of said public record which per Experian Representative was verified, and still have not gotten said verification. When I have contacted, Experian concerning my disputes I am asked to wait 30 days continuously. I sent certified dispute letters to Experian dated XX/XX/XXXX and XXXX, and XXXX and still nothing has been done to rectify the issues that I have experienced at the hands of this credit reporting agency. They are also reporting XXXX late accounts that was not there in the past and is reporting inaccurately. 

XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX Specialty Clothing Store XXXX XX/XX/XXXX XX/XX/XXXX Specialty Clothing XXXX XX/XX/XXXX XX/XX/XXXX Specialty Clothing XXXX XX/XX/XXXX XX/XX/XXXX Retail, Not Elsewhere XXXX XX/XX/XXXX XX/XX/XXXX Mortgage Reporters XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company

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 2022-09-01
Company: Experian Information Solutions Inc.
State: OH
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, 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 2022-03-03
Company: Experian Information Solutions Inc.
State: MA
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 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 2018-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Over the last 90 days I have disputed multiple inaccurate inquiries on my Transunion credit report for credit items that I did not apply for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I need to file a complaint on behalf of Equifax. I asked them about 2 months two months ago to investigate a account by the name of XXXX I Never got any results or feed back on this fraudulent account I would Like for Equifax to delete this info since it has been well over 30 days.. And I never got response or a updated credit report with an update this is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
Navy Federal Credit Union has reported my account as a " charge off '' when they 've been taking my VA benefits ( XXXX ) as payment for the last 3 years. My account with NFCU shows a XXXX balance and the VA has indicated that deposits are being made. They have not returned any phone calls, they have disabled my account online and I no longer live in a location where I can go to a local branch for assistance. They are showing up as a negative account XXXX on my credit report and as a result, my score has been significantly impacted. I have no recourse to address this issue with the bank directly as they refuse to return any request for contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Hi, This is XXXX XXXX XXXX. I want let you know that My wallet was theft by someone. I need you check on someone use online for applied to credit card. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I deposited XXXX cash to a Bank of America atm and the atm malfunction and credited XXXX to my account on XX/XX/XXXX. I contacted Bank of America to notify them of the error just for the banker to do the claim wrong was notified by second banker that claim information had been submitted inaccurate.I filed a complaint wit the occ Case # XXXX and afterwards account was placed in the negative for XXXX on hold

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 2022-08-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hunter Warfield is attempting to collect an alleged debt in which they have not provided proof validating the alleged debt pursuant to 15 USC 1692g. I am a consumer. 
I am awaiting all correspondence requested to validate the alleged debt and an audit trial. I have also requested Hunter Warfield to remove this unverifiable account from any and all credit bureau reports in which they are reporting to and that the debt collectors send me notification of their intent to do so as proof they have ended their investigation. I haven't received a response as I've sent XXXX letters XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: UT
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've been working to unfreeze my credit report since XX/XX/XXXX. I've talked to customer service multiple times, I've faxed in my information 5 times, mailed in my information 4 times, and Equifax refuses to help me. Every time they say my credit report does not exist, and that I need to send in my information, which I do, then I get the same response. 

On XX/XX/XXXX I filed a complaint with CFPB, XXXX, and Equifax told me to send in my ID, pay stubs, social security card, bank statements, and anything else to verify my identity. I sent the following to Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX : - Copy of Driver 's License - Copy of Social Security Card - Two pay stubs - Bank Statement - Utility bill at my current address - XXXX Statement for my current address Upon sending those statements as well as copies of my credit scores with XXXX and XXXX, I got the same response from Equifax- my credit file does not exist. I have an open line of credit via a credit card at my bank. I verified with them that they are sending the credit info to Equifax, so they should have my file. 

I have been working with Equifax since XX/XX/XXXX and they have blatantly refused to help me. Even after I filed a complaint here at CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: Siggi LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This company cause my credit to be financial impacted and cause me to file bankruptcy. 
I would like to be apart of the law suit against Omni.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Today i noticed my payment went from XXXX to XXXX, no email notice sent, no letter in mail, no web notice, this is crazy, since my payments started on XX/XX/XXXX i was told per notarized loan modification * XX/XX/XXXX pay XXXX * XX/XX/XXXX pay XXXX - FHA modification escrow was wrong is what they stated * XX/XX/XXXX - told pay XXXX XXXX new escrow analysis done on XX/XX/XXXX To begin on XX/XX/XXXX * Today XX/XX/XXXX see on main payment screen my payment due XX/XX/XXXX is showing XXXX, I am so tired of my payment changing every month with no notice, no letter, no heads up, no email, nothing, i understand there can be escrow shortages but how can you not tell your customer ahead of time, just surprise, for the 4th time this year your payment is changing again, how is this good, people have to budget, we count our pennies, we have only one income and you changed our payment again with out notifying us again, Your agent emailed me the escrow document and could not say why they did not notify us when they changed it again, is that even legal? I thought it was standard practice or at least good practice to notify a customer 30 days ahead if escrow /payment changes, not surprise on the 1st with no notice, please investigate who did not tell or notify us of another escrow analysis on XX/XX/XXXX, Thank you, XXXX XXXX XXXX XXXX XXXX XXXX mi 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 2022-08-30
Company: Financial Recovery Services, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing this letter due to the actions that Financial Recovery Services , Inc has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXX, LLC is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX, XXXX. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation with Financial Recovery Services , Inc., and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX 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 2017-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America Closed my account suddenly i dunno why and when i called the closure team no body gives information or the reason why closed the account they are very very rude in answering and i dont have information why they closed the account even they closed my creditcard and took my cash reward which was about 1300 $ and when i asked them to give me that redemption they said its bank policy they take my cash reward, I want to reopen bank account with them as i have many of my buissiness partners on bank of america so its easier in the transaction what can i make to reopen the bank account again.Thanks

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 2017-08-29
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Received a payoff quote from Honda Financial Services. Paid that amount prior to the date requested. Then received a letter requesting additional funds and missing documentation. Contacted Honda and explained that they cashed the check for the amount requested and documents were sent to the address on the payoff quote letter. Was told that was the wrong letter was provided therefore wrong address so documents would have been shredded and need to be sent again. In addition, sales tax was also owing because they quoted for a dealer payoff and not consumer. Sent to documents - overnighted at an additional expense. Honda continued to request lease payments and add charges. XXXX and XXXX from Honda both stated that lease was no longer in effect that the payoff was " in suspense '' waiting for the remainder of funds. No workout could be given even though twice the monthly lease payment was still owing. Remaining funds overnighted and received on a Monday morning. Checked account on Tuesday and nothing was posted to account. Contacted Honda again and was told anything sent to their overnight  address would take 48-72 hours to process. Call back on Friday. Friday is actually 96 hours after Honda signed for overnight package. At this point, crossing my fingers that all will be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I owed Capital One {$290.00} in XX/XX/2015 & I paid it in full before the XX/XX/2015 deadline. I had sent a letter to Capital One previously that I was no longer using their credit card & CapOne responded by sending me a letter saying my card had been suspended, so cut it up. I then went on vacation & when I returned I had received an item that I had not ordered from XXXX, who said that Capital One had allowed a charge to my credit card, after denying the same charge 16 times, I now owed Capital One {$77.00}. I immediately sent {$77.00} to Capital One. Both of my checks for {$290.00} & {$77.00} cleared my bank, but Capital One refuses to credit these payments. Capital One has reported me to the credit agencies & sent 2 collection agencies after me, XXXX XXXX & XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation