BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX Inuiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX XXXX Inuiry Date XX/XX/XXXX, XXXXXXXX XXXX XXXX  XXXX Date XX/XX/XXXX, XXXX  Inuiry Date 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 2023-04-10
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My statement dated XX/XX/XXXX stated that my minimum payment due was {$92.00} and I needed to pay {$200.00} to avoid paying interest on my PayPal Credit balance by XX/XX/XXXX. 

I paid {$92.00} on XX/XX/XXXX and I paid {$200.00} on XX/XX/XXXX. 

The {$200.00} should have been applied to XXXX XXXX in the amount of {$81.00}, which consisted of 2 late fees at {$40.00} each plus interest, and to a No Interest If Paid in Full charge in the amount of {$120.00}, consisting of the remainder of a deferred interest promotion plus interest. 

Instead, the {$200.00} payment was applied to another deferred interest purchase, which was not due until XX/XX/XXXX. 

When I paid my next bill, I paid the remainder shown on that deferred interest purchase, in the amount of XXXX, as shown on the PayPal credit website, unaware that my previous payment had not been allocated correctly the previous month. 

This confusion caused me to unknowingly carry a balance and accrue more interest under " standard purchases ''. I had signed up for paperless billing and detailed statements were not available to me to understand how I was being billed. My statements on their website would not even upload. It was not until I had paper statements sent to me after calling to inquire why my balance was listed as higher than what I owed on a deferred interest charge that I was able to figure out, with much difficulty, what had happened. 

I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX about their hidden statements on their website, and have not yet received a response from the company. 

On XX/XX/XXXX, after receiving the paper statements, I called and requested that the interest I have been charged because of their misallocation be subtracted from my bill. They said they could only subtract one month 's interest. I said this was not satisfactory. They continued to claim that the interest charges were valid and hung up on me.

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 monetary relief
Consumer complaint received 2022-09-30
Company: OpenRoad Lending
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was trying to refinance my car. This company gave me 3 different ". I did not accept any of them. They then proceeded to send me an email which they labeled as documents to review, but when I opened it did it was auto sign documents for a alone. You could not review the documents. They tried to trick me into taking a loan with an undisclosed rate. I can only describe this as criminal attempted fraud..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for a Capital One Venture Card and as I received the card in the mail I was surprised to see that my credit score that they pulled from XXXX showing a XXXX as I previously saw it at XXXX. I pull all three scores just to do my own due diligence and noticed that all three show in the XXXX. I call Capital One about the situation and advise me to contact XXXX and to dispute it. I contact XXXX and they advise me Banks are the ones who decide what score they give you that XXXX only gives them you Annual Reporting and that XXXX  doesnt provide an actual score to the banks they have their own system of doing so and to dispute it with the Capital One. I call Capital One back and tell them of my situation and what XXXX has told me. Capital One was quick to say that they pulled my score from XXXX  and that they also look at my other credit score and that could also be what happened. I advised them they pulled my credit score from XXXX and I told them that I also pulled all three credit scores and my credit has never been that low. They advised if they want me to show proof of the score I can but that they will not reduce my APR as Capital One also gave me the highest APR because of the XXXX that I was given. They will only reduce the APR if they do another pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX I tried withdrawing money from a Santander Bank ATM in XXXX at the XXXX XXXX XXXX XXXX but the money was not dispensed. After getting home and noticing that the money was debited from my account I called on the XXXX. I filed a claim with a rep on the XXXX the claim number for this call is XXXX. After calling back a few days later I was told the claim was closed and that it was determined that the money was dispensed. The representative then told me that there is video evidence that proves the money was dispensed and that the video will be sent to the nearest branch so that I could see the evidence for myself. This call happened on Saturday the XXXX of XXXX. The representative told me that another representative would call me on Monday the XXXX to give me an approximate date for the arrival of the video. I was n't given a reference number for this call as it was a response to the first call. I then called today the XXXX of XXXX to check on the status of the video being sent because I did n't receive a call from the representative and I am obviously anxious about my {$200.00} being lost and equally anxious to see the video. The new representative on the XXXX told me that she could not promise I would get to see the video because it is private property of Santander Bank. She proceeded to reopen the claim and gave me a new case number : XXXX. I am willing to take the case to small claims court to be provided the video evidence. I 've been banking with Santander for over a year now, have used their ATM many times and have never put in a claim. Why would I all of the sudden need to fake a claim for {$200.00}? All I ask for is to be given the video evidence I was promised. I do believe in the mantra innocent until proven guilty.

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 2022-08-03
Company: MIDFIRST BANK
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was told that my mortgage was six months behind, and the mortgage company company can't tell me what months I fell behind. They said that I owe them XXXX dollars but I'm disputing that amount. Now they have remodified my loan my payment increase and they increase my interest rate too.

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 2022-08-03
Company: EQUIFAX, INC.
State: DC
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 called EQUIFAX on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXX XXXX. The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EQUIFAX permission to take my information. 

EQUIFAX have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX. EQUIFAX has failed to provide XXXX, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EQUIFAX claims on my credit file. 

Furthermore EQUIFAX has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EQUIFAX is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Diversified Adjustment Service, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Background : Between XXXX and XXXX I owned condominium XXXX XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX, NM XXXX. I sold it sometime in XXXX or XXXX and since then have had no further involvement with that property. The sale was conducted through a title company and all outstanding bills were settled at that time. 

XX/XX/XXXX : I received a demand letter ( copy attached ) from Diversified Adjustment Service ( DAS ), XXXX, MN for a bill from XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) that I did not owe. The DAS letter did not provide the service address or the service dates. I called DAS twice and spoke first with XXXX and then with XXXX. XXXX provided me with the service address which was condominium XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NM XXXX. 

XX/XX/XXXX : I called XXXX ( XXXX ) and spoke with XXXX. I explained the background and the DAS letter. She called me back in about an hour and apologized for the XXXX error. She said that XXXX would advise DAS that the debt had been satisfied. I asked for a letter assuring me that this " debt '' would not appear in my credit bureau file or any information that I had paid it. XXXX said she could not do that and that I would have contact DAS and the three credit bureaus individually to get any information they have corrected. I am XXXX years old and I don't need this aggravation. I believe that this bill qualifies as a zombie loan and that the statute of limitations was passed many, many years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 you are reporting information that is a violation of FCRA 1681b ( a ) ( 2 ) Equifax, XXXX XXXX, XXXX. 

Trade - XXXX XXXX XXXX  Trade - XXXX XXXX XXXX XXXX Trade XXXXXXXX  Title 15 USC Section 602 states I have a right to privacy.

Title 15 USC Section 604 states a credit reporting agency can not furnish an account without my instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am an XXXX XXXX veteran. I have been considered XXXX XXXX XXXX XXXX by the Department of Veteran Affairs ( VA ) due to my XXXX XXXX XXXX, effective XX/XX/XXXX. On XX/XX/XXXX, the U.S. Department of Education and XXXX ( XXXX Discharge ) approved my XXXX XXXX XXXX XXXX ( XXXX  ) discharge application of my federal student loans on the basis of my XXXX XXXX XXXX XXXX. Copies of the aboved documentation were sent to Navient and XXXX XXXX via certified mail on XX/XX/XXXX. Thereafter, numerous telephone requests to cancel the remaining outstanding balance of my student loans indebtedness due to my XXXX XXXX XXXX were made to Navient. I also sent an email to XXXX, to no avail. On XX/XX/XXXX, I sent a second certified mail to Navient requesting that they discharge my student loans and to report to the three ( 3 ) credit bureaus that my accounts have been paid in full. To this date Navient has not taken action on my requests. As of today, XX/XX/XXXX, Navient website shows that I owe a total balance of {$22000.00} ( Account # XXXX ). Further, the loans balance continue to show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2017-08-14
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I seen a few inquires which I did not authorize or apply for credit added to my credit file. I contacted the companies and the credit agencies and placed a fraud alert and an additional XXXX inquires were added. What do I need to do to remove these and stop any additional inquires I thought by adding the fraud alert on no new inquires would have been added and that did not happen. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: EQUIFAX, INC.
State: GA
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 requested 5 times to have this credit freeze removed. Equifax is not removing the freeze after I have provided the Pin # and the requested personal information. This is preventing me from applying for credit and obtaining a new car loan. The Confirmation Numbers Provided to me are : XXXX from XXXX/XXXX/XXXX XXXX from XXXX/XXXX/XXXX Each time I call, I am told it will be processed in 15 minutes. Its been 4 days and 5 phone calls later it is still not removed. I have also tried removing it online. and I receive a message that it has been processed and it remains in place. They told me their was an address discrepancy. I have also provided Equifax with proof of my address on several occasions. A representative from the dispute department stated the documents were received and verified. Incorrect Address : XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: LEXISNEXIS
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My report from LexisNexis still includes an Eviction case from XXXX Count District Court in MN which incorrectly included me as a party ( File # XXXX ). I 've attached the document which confirms that I was stricken as a party. I had been removed from the lease before any action had been taken against my former roommate XXXX XXXX. I found this on my credit reports earlier this year and though it took several weeks, I was able to get it all sorted out and removed. Unfortunately, it looks like it 's still appearing elsewhere ( LexisNexis ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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:
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. 

EQUIFAX 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 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 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 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 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 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

Company response to consumer: Closed with explanation