BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
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: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX XXXX XXXX account number XXXX, has violate 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 2017-02-24
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have never received one bill and have never rode in an ambulance this is not my bill and it should not effect my credit since this is the first time I am seeing this bill that is n't mine. This must be removed from my account or else I am going to take this to legal .i am filing a police report today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Report provided to employer without your written authorization

Complaint:
I made a complaint XXXX complaint number XXXX, about an inquiry on my credit report. TransUnion has still not responded and it's been almost 60 days. By law, Transunion was supposed to provide me provide that I can written consent for my credit file to be pulled, which I did not. It's almost 60 days later still no reply. 

Being they have not provided me the original paperwork that I gave consent, which is by law please remove it immediately from my credit report. 

I'm attaching it again.

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 2022-06-17
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XX/XX/2021 XXXX5 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Continental Finance Company, LLC
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX  didn't mail me my entire billing history like I'd requested over the phone w/their customer service office to review the entire account so that all the invalid charges can be removed all at once instead of one by one. 

The company just mailed the latest bills for XX/XX/XXXX & XX/XX/XXXX which doesn't show all the charges for the entire month & there are still out of city/state/country charges on the account per the bill- XXXX XXXX XXXX XXXX / Etc.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XX/XX/XXXX, I went to a local electronic store to buy XXXX XXXX as a mother 's day gift. I purchased the XXXX  on my XXXX and as the sales person was closing the sale I was asked if I would be interested in an extended warranty. I did not see the harm so I gave him my information to find out the cost. Eventually I declined the offer and left the store. The next day or so I received an alert from Transunion regarding a new Hard inquiry on my credit report. I immediately contacted Transunion and they informed that the inquiry was from XXXX XXXX and that I should contact them to have the inquiry removed. I called XXXX and they told me that this was fraud and that the inquiry would be recended. 
A month later the hard inquiry is still on my credit report so I called XXXX once again today to see if I could get an update on when the inquiry would be removed. They informed me that my case was listed internally in their system as fraud and going forward all credit applications with my information would be declined but to have hard inquiry removeal would have to done directly with Transunion. I once again called Transunion and they informed that I needed to make the request for the removal with XXXX. Basically XXXX tells me talk to Transunion and Transunion tells me to talk to XXXX. I told Transunion representative that both companies were bouncing me off one another and nothing was progressing. She then told to file a fraud claim with the FTC so that they could inform Transunion regarding the fraud on my report ... and now the FTC has sent me to Consumer Finance. So here 's hoping XXXX can help me remove this hard inquiry from my credit report when all I wanted was a mother 's day gift.

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : 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 2022-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
XX/XX/XXXX - XX/XX/XXXX My name is XXXX XXXX XXXX and my property ( XXXX XXXX XXXX ; XXXX # XXXX ) has been out of my possession since XXXX XXXX due to a drunk driver hitting me from behind. I have injuries from this accident and was in therapy before my departure to XXXX, XXXX for a family death and to legalize my marriage XX/XX/XXXX. Since I was out of the country to pick up my repaired property COAF took matters on their behalf. ( I have attached vehicle repairs, therapy receipts, arrival & departure tickets, & marriage license ) XX/XX/XXXX According to Capital One Auto Finance ( COAF ) my vehicle was repossessed because I failed to redeem my options to receive my vehicle back or make such payment. I have exercised every right that I had pursuant to 15 United States Code ( U.S.C. ) 1635 ( b ) once I had returned to the United States, but COAF still took the initiative to sell my property without my written consent ( as COAF calls it an INVOLUNTARY REPOSSESSION ). 

XX/XX/XXXX - XX/XX/XXXX I sent a certified mail of a Limited Power of Attorney/Lien Certification to execute all documents. The pay-off balance {$530.00} that was due after the date of sale XX/XX/XXXX has now been issued as a Gap Cancellation Refund but I only received a check of {$190.00} for a Overpayment Refund on XX/XX/XXXX After response to my complaint through the Attorney General of Pennsylvania, COAF denied all allegations and preceded to attach records of transactions of payment history to justify the proceeds of the sale on XX/XX/XXXX. 

According to this XXXX XXXX Report there are transaction types consisting of codes and field translations. There are also definitions listed to help clarify the meaning of each transaction. 

Principal : The portion of the transaction that was applied to the principal. 

Total : The total amount of the transaction There is NO TransCode Action/Field translation available for : XXXX Tr.Code - XXXX, No Action/Field XXXX Tr.Code - XXXX, Action/Field - XXXX XXXX Tr.Code - XXXX, Action/Field - XXXX XXXX Tr.Code - XXXX, Action/Field - XXXX XXXX Tr.Code - XXXX, Action/Field - XXXX XXXX Tr.Code - XXXX, Action/Field - R COAF has committed fraud through false and misleading transactions throughout this contract according to title 15 U.S.C. 1692 ( e ). All of the miscellaneous transactions have no further explanations.The Total amount of the transaction has always been {$0.00} since the first day of the transaction up until the sale and further, unless I made a secured payment of {$370.00}. That is the only TOTAL amount listed, meaning this account has already been paid in full since the first day of the transaction history according to title 15 U.S.C. 1667 ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a deposit of {$500.00} post on XX/XX/2020. I also had a debit in the amount of {$110.00} post on XX/XX/2020. I was charged a {$38.00} NSF fee on XX/XX/2020 for an item posted and cleared on XX/XX/2020. When I spoke to the CSR, I was advised the debit posted at XXXX XXXX and the credit posted XXXX XXXX. I finally utterly appalling that they would not order the credit first to avoid causing the overdraft charge, I have accounts with XXXX XXXX XXXX and a credit union and neither have allowed this to occur. If funds are deposited in the account the same business day that transactions are posted, THERE IS NO NSF FEE! I find this practice unfair and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I have not been in contact with my loan processor/mortgage broker, XXXX XXXX at Freedom Mortgage Company in XXXX, FL for several weeks. He has not contacted me after I have made several attempts via emails, phone call, voice messages and text messages for a status on my loan application approval. I do n't know if my loan was approved or denied. There has been no phone call or email with a status of my loan. It is approximately 2 weeks before my closing date. At this point, I am left with wondering if myself and XXXX child will be homeless due to the disregard and unprofessional conduct by the loan officer. Also, I have tried to contact the loan officer manager and left him a voicemail. He has not responded back to me either. The last time I spoke with the loan officer, XXXX, he stated he was going to submit my loan on Wednesday, XX/XX/2016 and he had the signed documents.

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 2017-01-18
Company: Caneel Capital, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
back in XXXX I had some difficulties to pay my mortgage, first and second loan I could work with XXXX XXXX services who had my two loans, they helped me with the first loan but the second loan they did nothing with, after they went to bankruptcy the second loan disappear no one could give me any information, two years later a company appear trying to collect XXXX XXXX dollars, but I did not had any money to work with them, now eight year later appear trinity financial, now they have my house for sale on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Bankruptcy Dispute : It was requested that the Credit Bureaus provide information of how they verified the bankruptcy they stated was verified by the furnisher being the court house. I requested : 1 ) The Name Of the Court House 2 ) the name of theindividual/person they verified the dispute with 3 ) The address 4 ) The Phone Number 5 ) The documentation used to verify the dispute letters attached Equifax and XXXX  are fraudulently reporting this bankruptcy and the accounts attached to it. The North Carolina Bankruptcy court mailed certified, signed and stamped letters to me. These letters confirm that they have no relationship with any of the three credit bureaus and they do not verify with them directly. Equifax and XXXX  have not verified this information with the furnisher as they stated and they have not provided the information I requested as to how they verified this information. ( Letters attached below ) XXXX   Has removed the bankruptcy as well as the accounts attached to it. ( see XXXX   removal document ) I DEMAND EXQUIFAX AND XXXX  TO REMOVE THE BANKRUPTCY AS WELL AS XXXX  SCORE REWARDS ACCOUNT, XXXX XXXX AND XXXX  XXXX ACCOUNT # XXXX FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Mullooly Jeffrey Rooney & Flynn
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
My employer received a fake subpoena from Mullooly, Jeffrey, Rooney, & Flynn XXXX issued supposedly by the XXXX New York XXXX XXXX XXXX, disclosing my personal information, the creditor 's name and amount that is owed to the creditor. I do not find it fair that this notification came to my place of work. Many things could have happened like losing my job and embarrassment with my co-workers when they find out of this fake subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2020-01-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I closed my credit card with XXXX back in XXXX. The interest rate at that time on the closed card was 14.24 %. There is still a balance which I am paying monthly. The interest rate has increased to over 15 % on the closed card. I received a couple of statements from the bank from XXXX showing the interest at 14.24 %. I wasn't notified the rate increased and how can it increase on a closed card? Since I don't have the card any longer, they would not assist because couldn't provide the entire account number- I wasn't getting paper statements after the account was closed

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 2015-07-13
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We carried a mortgage with another company and then found out that our mortgage had been sold to a company called Freedom Mortgage. We hit hard times when my husband lost his job after XXXX years. We went to our mortgage company and tried to modify our loan until we could get back on our feet, sent us paperwork to fill out and send back in which we did with our documents, we faxed them continuously and we mailed them, each time they told us they never received our documents. We in return resent documents time and time again and with no fail was told they did not receive them. We then had to go through mediations and worked with a lady named XXXX and explained to her what was going on, she also faxed the documents to the company and once again they said they did not receive them. Now we have to go through loss medigations because our home was being foreclosed on. We went to Save the Dream for help and sent in paperwork and was told that they could not help us because we were in foreclosure, this was XX/XX/XXXX, come to find out that they said we did not submit documents to them either. After doing some research I discovered that Freedom Mortgage was a preditory lending company with XXXX XXXX attached to them of course this was after my home, my family home that my parents had built XX/XX/XXXX had been foreclosed on and sold in a sheriffs sell. I feel as though we were set up for failure from the very begining of trying to save our home, we tried to get help in every way we knew how to. Freedom Mortgage never had any intentions in working with us to save our home. We fought with everything we had to save our home just to have it taken away from us. I am XXXX and had told them that and it still did not matter to them. No one should have to go through this even though there are so many families out there that are loosing there homes to companies such as this. We even had to file bankruptcy to stop foreclosure to work on getting help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 1. The following inquiry must be removed at once. It is not mine/never authorized/zero knowledge of. This inquiry must be removed at once and I have attached the CFPB report your credit bureau representative requested. XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 2. The following inquiry must be removed at once. It is not mine/never authorized/zero knowledge of. This inquiry must be removed at once and I have attached the CFPB report your credit bureau representative requested. XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation