BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX 15 U.S.C.1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer 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 and other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-01-15
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/XXXX my husband was a victim of fraud. {$48000.00} was taken from our US Bank account via a wire transfer. I immediately contacted US Bank and was told that the wire was pending. I pleaded with them to cancel the transaction, nope I found out that the funds were released and I might add this was done within 4 hours. Which leads me to believe this was an inside job. I contacted XXXX XXXX via phone and email which he did call me back and told me it was out of his hands, seriously ... He proceeded to transfer me to US Banks fraud department and spoke to XXXX XXXX, his words to me ; i should contact XXXX 's police and find out what happened. On XX/XX/XXXX I filed and FBI and Police Report. On XX/XX/XXXX I received a call from a District Manager, XXXX XXXX telling me that the US Bank is taking action, seriously 1 week later. I was also told to stay out of the XXXX XXXX XXXX, XXXX XXXX, IL. because I made a scene. I will make a scene when it comes to {$48000.00}. On XX/XX/XXXX i wrote to the US Bank 's CEA Mr XXXX XXXX. I got a responds from XXXX XXXX Executive Communications and basically was told I'm out of luck. On XX/XX/XXXX I filed a complaint with the Illinois Attorney General 's office, have not heard back from them. On XX/XX/XXXX I submitted a complaint to the fraund.ftc.gov

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 2021-03-12
Company: Home Point Financial Corporation
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
During the XX/XX/XXXX, I called XXXX ( XXXX ) to inquire why my XXXX check ( # XXXX ) payment had not been withdrawn from bank account at about the same time as in the past. The XXXX customer account personnel advised me to wait a few more days perhaps the mail delivery was delayed because of the XX/XX/XXXX holiday. When I called a week latter, the check had not been received, and the customer account personnel directed me to make the payment at the XXXX XXXX branch in Maryland. I made the payment ( check # XXXX ) which was drawn from my XXXX XXXX XXXX account on XX/XX/XXXX. The amount due on XXXX XXXX ( late charges on XXXX XXXX ) was {$790.00} but I paid {$800.00}. Despite the three phone calls that I made concerning this payment, XXXX did not notify me but charged me a {$25.00} late fee, applied the extra amount that I paid ( {$800.00} - XXXX = {$21.00} ) to the {$25.00} late charge and filed a report on my credit report stating that I was more than 30 days late. The credit reporting agency stated that the lender ( mortgage ) needs to submit a corrected report. Here is a direct quote from them : *Please note : Experian has a new policy effective XXXX/XXXX/XXXX : For all dispute removal requests a letter from the creditor specfically stating that the dispute on file is to be removed and that the account is no longer in dispute is required. A signed letter from the borrower will no longer be accepted by Experian*

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Comerica
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Comerica Bank sent me a notification via mail on XX/XX/22 that a checking and savings account was opened up with my name. 
It included personalized checks. 
Account # XXXX Routing # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Paypal Holdings, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX @ XXXX received text from XXXX Venmo service of PayPal to stop messages Received message We've turned off notifications from PayPal Mobile services. Got another text XX/XX/XXXX @ XXXX text stop got message saying We've turned off notifications from PayPal Mobile services. Got another text XXXX @ XXXX same thing as first 2 times texted stop. Same reply from them. XX/XX/XXXX same text I replied stop again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My wallet was stolen on XXXX XXXX 2016 with all my information social security, debit and credit cards, Drivers license. The perps have used my social to open credit card accounts under my name I 've reported the situation to the credit bureaus I 've placed a fraud alert and only transunion has deleted the fraudulent inquiries I 've had about XXXX inquiries since XXXX XXXX and XXXX account was opened. I 've reported this to the FTC and my local police I 'm a victim of identity fraud and I need help. The perpetrators address has been added to my own credit report as if it 's mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Back when covid started I lost my job. My mortgage company told me about the " Cares Act. '' They told me I could skip my monthly payments ( for a specified amount of time, 1 year in my case ) and that those payments would be pushed to the end of my loan after the year and I would just resume my normal monthly payments of XXXX per month. 

When the year was up I sent in my normal monthly payment and they sent it back to me telling me I had to pay all those skipped monthly payments ( XXXX ) in one payment to get the loan current and that they wouldn't accept any payments until that was paid in full. I told them there was absolutely no way that I could ever do that even though I can now afford my monthly payments that were XXXX per month. Now they are saying they can not do a modification in my loan either because I dont make enough money ( XXXX ) per month. 

I feel like since they lied to me about putting those missed Cares Act payments to the end of my loan they are basically scamming me into a foreclosure or into selling my home. I have been in the home for 16 years and I am under a VA loan as I am a United States XXXX XXXX XXXX who is alone in life. I can not be thrown into the streets without a home. Can you please help me?? Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL. 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 2016-06-20
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent a dispute to Equifax based on inaccuracies being reporting by XXXX XXXX XXXX XXXX XXXX. My account with XXXX XXXX XXXX XXXX XXXX is set up on automatic payment deductions, bi-weekly and the Credit Union failed to take out the payments, which resulted in late payments being reported to the XXXX major credit bureaus. I spoke with XXXX in the loan department at XXXX XXXX XXXX XXXX and asked her to correct the information. She indicated, XXXX XXXX XXXX XXXX would correct the inaccurate reporting when disputed when the XXXX credit bureaus. XXXX stated, the credit unions policy is to have the consumer send in the dispute and when contacted by the Credit Bureaus, they will report the account as on time and asked that the information be corrected in my credit file. 
It is my understanding when XXXX XXXX received the dispute, they requested the information be corrected, to show on time payments. However, Equifax deleted the account in question, as well as deleted XXXX other accounts with XXXX XXXX XXXX XXXX. XXXX secured installment account reports ; " Paid in full with on time payments '', the XXXX account is for an auto, which is open and show on time payments since XXXX XXXX and the XXXX account in question, is an unsecured installment account, opened in XXXX XXXX and should have shown on time payments. A total of XXXX accounts were removed with perfect payment history as a result of my dispute. The removal of the XXXX accounts from my credit file, is highly injurious to my credit rating and did reduce my score, contributing to my inability to secure a mortgage recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I opened a Sears MasterCard over the XXXX while shopping at Sears. I made one time purchase only in the amount of {$340.00} on XXXX/XXXX/16 and paid balance in full XXXX/XXXX/2016. I closed the account in XX/XX/2016, never use same account for any other purchase, did not even activated my Sears MasterCard when it arrived. 

However, multiple unauthorized transactions showed on my Sears MasterCard statement after the account was closed. I called Sears MasterCard at least four time during past several months ( XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016 ) to clarify the fact that my account was closed, none of the transaction was authorized by me. I was told every time on the phone, they will dispute the transaction and credit back full charges on my closed account. but months afterward, instead of credit back my account, I still have overdue on the account and affected my credit score significantly ( I was XXXX in XX/XX/2016, now only XXXX ). I called Sears MasterCard today, the phone ca n't evan go through ( seems line get disconnected ). 

I am extremely disappointed with Sears MasterCard by Citi. Feel like 1 ) my personal information leaked out during credit card application, which later on lead to credit card fraud. 
2 ) citi card / Sears MasterCard allowed fraud happen repetitively on a already close account 3 ) custom service system is a total disaster, completely disconnected : no record for prior customer phone call, no following phone call on already problemed account, not even answering phone call eventually ... 

I am requesting a fair and final response from Citi Cards / Sears MasterCard.

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 2016-08-31
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I made a payment to Citi of {$3700.00} in error which they received on XXXX XXXX, 2016. When I realized that I had sent it in error, on XXXX XXXX, 2016, I called and was told that they had to report any refund over {$1000.00} to the government. When I inquired as to why I was told it was a regulation. When I inquired as to what the regulation was she told me she did not know. I was told it would be up to 7 days before I would get it. I asked for it to be sent to my Citi Checking account. On XXXX I called again and was told they were waiting to see if my bank had paid the check. I then told them that if I did not have the money in my account by XXXX at XXXX I would begin a complaint process. I do not have the money in my account yet.

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 2022-11-01
Company: Resurgent Capital Services L.P.
State: NY
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:
LVNV FUNDING LLC is attempting to collect a fraudulent debt I have no obligation or contract with said corporation furnishing this account on my consumer report is a violation of 15 USC 1692j I never MADE a consumer credit transaction with LVNV FUNDING LLC. Therefore reporting this account to my consumer report is using false and misleading representation of there character and doing so to collect on this fraudulent account is also a violation of 15 USC 1692e ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Please include both Capital One and XXXX XXXX in this complaint with your department. I have applied for a credit limit increase with both Capital One and XXXX XXXX. I have been denied a credit limit increase by both Capital One and XXXX XXXX. Capital One most recent denial was XX/XX/XXXX, XXXX XXXX XXXX does not have an option to request a credit limit increase online but have denied me when I asked over a phone call. I do not recall the dates I requested a credit limit increase and I did not receive an adverse action notice for their decision to deny me. The representative said they do not offer higher limits than what my accounts already have. If they used my social security account number on the application then my credit limits should not be restricted. Both companies compelled me to disclose my social security account number which allowed me access to my own credit but they have refused to increase my credit limits per my requests to do so. Refusing me a credit limit increase is an adverse action according to 15 USC 1681a ( k ) ( 1 ) ( B ) ( iv ) ( II ) of the Fair Credit Reporting act which states it is adverse to the interests of the consumer. XXXX XXXX and Capital One have violated my right to privacy by making reports of what should be my private accounts and transactions without giving me an option to opt out of such reports. This is a violation of both the Fair Credit Reporting Act and the Gram Leach Bliley Act. They have reported negative remarks to the bigger consumer reporting agencies which have caused me several adverse actions over time. They have caused my score to drop many times because I do not carry balances or because I do not incur debt often enough or because I have made a couple of late payments which is rare. I did not consent to them reporting any information much less any adverse remarks to any consumer reporting agencies. My transactions would not be public information had they made proper disclosures of my rights or had they had respect for my privacy. XXXX XXXX has placed an additional fee for adding an authorized user. I should not be charged to allow my wife access to my credit. All transactions I make with these corporations are for personal, household or family purposes only. I do not use my credit cards for any other purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A tax lien was placed on my credit reports, but has since been paid in full and released over a year ago. It has been removed from my report by XXXX, but XXXX and Equifax wo n't remove it and tell me to contact the County Clerk. I did and they said it 's the credit bureaus that are keeping it on there, not them and if it were up to them, they 'd remove it because it was paid in full. I contacted the credit bureaus multiple times and they keep saying I need to contact the county clerk. It 's a big run around and I 'm sure they hope I 'll just give up. I wo n't. I want them removed from my report. I paid it off in full and it should be gone. I will take them to court for false reporting if it does n't happen. I 'm giving them a chance to fix it by filing this complaint first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital One took {$1100.00} out of my bank account. I have three Capital One accounts, but I do not owe an {$1100.00} debt on any of them. I contacted Capital One and asked why they collected this debt from my checking account, and I offered to provide the confirmation / receipt number assigned, but they refused to assist me. They told me they could not look up the payment or provide me an explanation of why it was taken from my account even after I offered them the confirmation number that was showing on their payment in my bank statement. I would like the CFPB to find out why {$1100.00} was taken out my account. It was taken out in two increments one for {$500.00} on XX/XX/31 and one for {$600.00} on XXXX. 

I recorded the conversation with XXXX and disclosed to them that I was doing so. I can provide the recording as supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: TX
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:
Nothing was done it's been 32 days and i need this information remove! 

All Hard Inquiries and soft Inquiries as well 11. Names 21. Address 2. SSN Variations 4. Employes 5. Other Records

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 2016-02-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of identity theft and Equifax refuses to remove these XXXX accounts from my credit file with is in violation of section 605B. I just do n't understand the logic behind this or what 's going on! How does this law protect me if the bureau does n't abide by it? I never received any documentation proving ownership, I receive statements that these are mine and that they have been verified. How were they verified? Where 's the documentation? Where 's the original contract with my signature? Who did they speak with? What was the date? Was it via email, phone, fax, etc.? This is not fair that someone can steal my information and utilize it like this! Someone obtained medical services with my information and then did n't pay it. Someone opened an auto loan with my information by walking into this dealership with my pieces of identitification and they left there with a vehicle. They can repo the car! I do n't care because I do n't have it! I never had it! I want this information off of my credit file immediately and I have no problem making a complaint with the Attorney General. Actually, I 'm going to do that right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: CHARLES SCHWAB CORPORATION, THE
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 used Charles Schwab ATM card to withdraw XXXX XXXX pesos from a hotel atm while visiting XXXX. I use this debit card because they reimburse any foreign transaction fees and guarantee any fraud protection, even internationally. After withdrawal, I noticed that they actually charged me XXXX USD instead of XXXX XXXX pesos ( about XXXX USD ). I contacted Schwab regarding this issue and also showed them statements from the hotel demonstrating that the particular ATM I used does not dispense USD. The response from Schwab was more or less dismiss the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have initiated several disputes with this credit bureau in regards to fraud on my credit report. Last year I noticed some fraudulent activity and went through your ( FTC ) website for information. It stated to fill out and have notarized an FTC Fraud affidavit. I 've sent the Affidavit 3 times with all supporting documents. Also I 've sent the FTC Fraud affidavit to the collection agencies. In the documents I am attaching today you will see when and where the bureau received my documents/letters. 
This has all been hard enough, and with this credit bureau not doing their role to protect the consumer it 's very disheartening. I 'm hoping with you help I can get this resolved for my family. Thank you for being a voice for the consumer. 

Thank you, XXXX

Company response to consumer: Closed with explanation