BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Updated/New Information to previous claim On XX/XX/22 Capital One Auto Finance responded to a letter I sent to them regarding my auto loan. In there response they indicated they indicated that they did not do anything wrong nor did they not violate my consumer rights. On XX/XX/22 I send a cease and desist letter detailing the following violations they committed against me the consumer. 
15 USC 1662b a cash payment can not be mixed with a consumer credit transaction 15 USC 1605 violated TILA ( Truth In Lending Act ) by not including all fees in the finance charge such as auto insurance. All fees should be included in the sum of all charges. This violation makes the contract fraudulent. Capital One nor the dealership never disclosed this information which is another violation. 15 USC 11 states the criminal and civil liability for willful failure to disclose this information is a XXXX penalty and imprisonment for up to 1 year. Capital One also stated that I owe a debt to them in the amount of XXXX. 18 USC Code 8 states that all debts public and private are already paid for. When I signed the contract and it was submitted the loan was already paid for. This is another violation of my consumer rights. Next Capital One Capital One violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 4 ). They assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. 15 USC 1681b ( a ) ( 2 ) states that you may furnish a consumer report if written instructions were given by the consumer. This is a violation of my rights as I never gave Capital One permission to obtain, release, or report any information to any third parties which includes consumer reporting agencies. Capital One committed identity theft under 15 USC 1681c2 by taking my private transaction between myself and Capital One and furnishing it to a consumer reporting agency without my permission. According to 15 USC 1692a Capital One has been engaging in abusive practices and deceptive forms. I have outlined in my letter the violations that Capital One has committed and the remedy that I am seeking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem getting your free annual credit report

Complaint:
I am unable to view my credit report on Annual Credit report.com

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 2022-06-21
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Last year the servicing of my 30 year conventional home loan changed hands multiple times ( not a problem, completely normal ). It ended up in the hands of Mr. Cooper at the end of last year. Fine, it is what it is. They service the loan just fine. No problems on the financial side. 

The advertising, however, is beyond annoying, to the point of harassment. I get one or more emails a day from them advertising for refinance or other loan-related services. Over the last XXXX months I have done the following to get them to stop : 1. Unsubscribe link on their emails -> Unsubscribe all ( tried this 4-5 times ). 
2. Logged into my profile on their website and mobile app and turned off all emails, marketing, and sharing of my information with 3rd parties. 
3. Used their marketing Unsubscribe All forms for both paper and digital communications, found on their website customer service section. 

Nothing seems to help. I don't want to block emails from them incase they actually have an important notification for my loan, such as a late or missed payment ( XXXX forbid - not that I have ever been late, but mistakes happen ). 

I am beyond frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on 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 2022-06-06
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

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

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

In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022. {$100.00} unauthorized charge. I immediately called Ally and the hold times were very long. They finally allowed me to cancel and get a new debit card and file a dispute for the charge. It is now XX/XX/XXXX and I have heard nothing and am still missing my {$100.00}. And it looks like many other Ally customers are being charged as well. Where is the statement that they are aware of the issue and doing something?

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 2022-07-27
Company: EQUIFAX, INC.
State: OK
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 XXXX i had the credit bureaus to do an investigation of verification and they all said the accounts were verified, but later i got my credit report and i found out it wasnt and it have alot of inaccuracies. These are the accounts in dispute : XXXX XXXX  XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX #, has violated my rights. 
15 U.S.C 1681 section 602A states i have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 demanding to be deleted immediately :. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-27
Company: LD Holdings Group, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello CFPB, LoanDepot has not returned my escrow money to me after the sale of my property at XXXX XXXXXXXX XXXX XXXX, CO XXXX ( this is ok to publish ). My house sold on XX/XX/2022. I have tried to follow up and have spoken to them on the phone 4 times since then and while they seem to be helpful on the phone when I call to follow up no one knows what the previous person did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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:
I sent a letter out on XX/XX/XXXX, that was dated XX/XX/XXXX to Equifax. 

Here is my tracking XXXX. 

However, the credit bureau said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to? How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: CORELOGIC INC
State: NC
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:
I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This includes XXXX, XXXX AND XXXX. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is a follow up to case # XXXX. I received an email on XX/XX/XXXX that XXXX XXXX XXXX for Bank of America was looking into my complaint. The email ( see attached ) stated that I must respond to him by the XX/XX/XXXX to review my complaint. I called the number provided and left him a voicemail on XX/XX/XXXX and XX/XX/XXXX. I called him again on the XXXX, left a voicemail and called the cell phone number provided. The cell phone number provided stated it was a number that could not be completed as dialed. On XX/XX/XXXX at XXXX XXXX I received a call from XXXX stating that he had until XX/XX/XXXX to respond back to me. I never have heard back from them. Instead, I received a call on the XXXX from XXXX XXXX, the individual who was a part of the scam. The reason I know this is he stated that he was the one that had talked with me in XXXX ( he had a heavy XXXX accent ) and asked if I remembered him. Of course I did, he scammed me out of almost {$50000.00}. I went off on him about scamming me and hung up on him. When I immediately called him back, the number XXXX had been disconnected.

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 2022-11-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this 12th CFPB Complaint to you today to request once more to remove the disputed accounts that resulted due to identity theft. Despite my multiple attempts to correct my Credit Report, you have been persistent in ignoring my requests. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and information. Someone has stolen my identity and opened these accounts without my knowledge. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in my previous complaints as well as in this Complaint. Please remove the items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of accounts that you should have removed : XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance:XXXX. You have also been failing to send me copies of proof of verification from your supposed investigation and yet I received nothing. I doubt if you ever really conducted any investigation at all. Under the Fair Credit Reporting Act section 605b, I need you to remove the disputed fraud information from 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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Twenty-Nine years ago I was a stupid kid, did stupid things and got into trouble. 

Disputes : 3 Dispute 1 ) Reporting same case twice. XXXX is reported twice and should not be. 

Dispute 2 ) Reporting same case twice. XXXX is reported twice and should not be. 

Dispute 3 ) These records are 29 years old and are legally not to be reported by both Federal and State law. 

State and Federal Law : Federal : Restricted to 7yrs by CRAs per FRCA and EEOC State of Texas : Texas Business and Commerce Code 20.05 CRAs are restricted to 7yrs per statute.

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 2022-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had noticed that someone had hacked into my account and stole a total of {$4800.00} out of my account ( {$2000.00} on XX/XX/21, {$300.00} on XX/XX/21, {$2000.00} on XX/XX/21 and {$500.00} on XX/XX/21 as seen in document " Stolen Funds '' below ). I opened a dispute with the Bank of America Fraud Department 3 times, because they kept closing my claim, letting them know I was hacked, and we needed to do something to get the money back, and prosecute the thieves as that is grand theft, because my family was struggling financially and XXXX XXXX is a lot of money. Their fraud department ended up sending me a letter stating ( paraphrasing ) " we asked for the money back and they said no. Maybe you should ask for your money back directly from them? '' I had told them I was hacked and didn't know who stole my money. I was so angry with that response I ended up throwing the letter away. This was their response twice, and the third time I asked them to send me what information they used in their investigation to ensure this was a fraudulent situation. They ended up sending me a copy of my bank statement, the same one that gets emailed to me every month. They did nothing to investigate except " ask '' for the money back and when they were told no, did nothing else. They did not do their job to protect their customers and are very rude when you try to ask them questions that would help in the investigation like " who is the owner of the account that the funds were sent to? '' or " where was the person who hacked into my online account located when the funds were stolen? '' or even " what financial institution were my funds sent to? '' They have none of this information and don't intend to gain any of it. It has been about 7 months since my original complaint to them and they have failed to do anything to assist in us getting our money back. This complaint is my last effort.

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 2022-08-19
Company: Experian Information Solutions Inc.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief