BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 U.S.C 1681.

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 Any other adverse item of information, other than records of convictions 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX # XXXX has violated my rights. 

XXXX # XXXX has violated my rights. 

XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

XXXX XXXX XXXX # XXXX has violated my rights. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX number # XXXX has violated my rights. 
XXXX XXXX  CFPB violation.

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 2022-10-05
Company: Experian Information Solutions Inc.
State: CA
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 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 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 2023-07-30
Company: I.C. System, 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: Credit inquiries on your report that you don't recognize

Complaint:
I discovered an unfamiliar company on my credit report that I have no knowledge of. On XX/XX/2023, I sent a detailed letter explaining that I don't recognize the account and as a business owner, I'm facing denials due to this issue. I simply asked the company to validate the debt with me. Unfortunately, it seems like they don't care about my situation, as they haven't communicated with me at all. I haven't received any emails or letters from them, which is concerning and not fair.

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 2023-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a high interest bearing Money Market 360 account with Capital One Bank many years ago. I recently logged in and calculated my interest rate for my account it was 0.8 %. Formerly it was over 4 %. 

I contacted Capital One Bank to determine why the interest on my account was now so low when the advertised rate is 4.3 %. They stated I would need to open a 360 Performance Savings Account to get that rate. 

My issue is that Capital One stopped paying competitive interest on legacy accounts without notifying customers that they would need to open new accounts to obtain competitive interest rates. This has likely cost me hundreds if not thousands of dollars over the time period they made this unannounced change to my interest bearing account. I can only imagine how much Capital One has profited by downgrading existing formerly advertised high yield savings/money market accounts without notifying the customer of the change or the ability to change to a comparable high interest account. In effect, Capital One has been cheating customers for an undetermined length of time. There is nothing to stop them from doing this again to cheat customers and pocket the difference until the customer happens to check their investment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: U.S. BANCORP
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:
On XX/XX/2023 I sent a notarized affidavit to XXXX 's by certified mail number XXXX and it was delivered on XX/XX/2023 ; Capital XXXX tracking number XXXX delivered XX/XX/2023 ; XXXX XXXX tracking number XXXX delivered on XX/XX/2023 ; US Bank as well as XXXX informing them that I never provided consent allowing them to share my personal information and that is identify theft. I also provided the companies with a copy of the FTC report filed stating this information. The companies have failed to respond or even provide proof of my consent.

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 2023-04-19
Company: Navient Solutions, LLC.
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:
On XX/XX/2023 I sent a notarized affidavit to XXXX 's by certified mail number XXXX and it was delivered on XX/XX/2023 ; XXXX  XXXX tracking number XXXX delivered XX/XX/2023 ; XXXX XXXX tracking number XXXX delivered on XX/XX/2023 ; XXXX XXXX  as well as Navient informing them that I never provided consent allowing them to share my personal information and that is identify theft. I also provided the companies with a copy of the FTC report filed stating this information. The companies have failed to respond or even provide proof of my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/22 I wrote a check to XXXX XXXX to pay my bill from my Chase Checking acct. 
The check was cashed on XX/XX/22 but NOT by XXXX XXXX it was obviously stolen by someone in transit ( mailbox? ) and deposited into their XXXX  XXXX XXXX acct. I have the copy of the check that was cashed as someone signed their personal name and deposited into their personal acct even though the check was made out to XXXX XXXX.?! 
I filed a claim with Chase on XXXX but am getting a run around after 3 months I was under the impression that Chase could claw back these funds from XXXX  XXXX XXXX since it clearly shows that it was cashed NOT by XXXX XXXX? 
they keep asking for more info. that makes no sense as this to me is cut and dry? 
Please help, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I RECENTLY NOTICED IDENTITY THEFT SOMEONE USED MY NAME FOR ACCOUNTS

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 2023-03-27
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This loan is with Santander Consumer USA. My vehicle was repossessed in XXXX of XXXX. The vehicle was sold off, and the balance put forward onto my loan amount as per our lending agreement. However, after this, there was a remaining balance of about {$2000.00}. I was struggling financially but was able to make a settlement agreement of a one-time {$1200.00} payment in XXXX of XXXX. I sent the payment in three money orders : 2 for {$500.00}, one for {$200.00}, all packaged in the same envelope, and I saved the receipts. They now say they only received the 2 {$500.00} money orders and not the 1 for {$200.00}. Despite this, all three receipt tracking numbers show they were cashed on XX/XX/XXXX. 

Because the agreement expired, they are now saying I owe additional money on the account. Ive spoken to their customer service on numerous occasions, faxed the receipts over twice, but theyve requested that I pay money to order a front and back copy of the money order. This is absolutely unfair because they were the ones who lost the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Our account at Discover Bank was hacked. The bank allowed someone access to our account and the person was able to prematurely cash our CD 's with penalties transfer the funds to our High Yield savings acct and create a wire transfer to remove those funds. I was able to intervene and stop the wire transfer. Fortunately, there were some employees who were helpful, and we were able to reverse the transfers and receive credit for the penalties. However, this is entailed over 8 hours on the phone with very little help. The main problem is we asked the bank how this could happen and their answer was they could not help us because retaliation. I told them I was almost XXXX XXXX XXXX and did not want to pursue anyone but wanted to know how it happened so I could protect my other bank accounts. I asked to have someone in authority to call me and never received a call back. Therefore, I wrote a letter to XXXX XXXX XXXXi executive VP & President of XXXXXXXX XXXX. I then received a call from a person in his office who was arrogant at best and when My wife who was very upset took the phone her comment to my wife was mam be professional fraud happens. My wife was upset because of the anguish and time this caused and I had just had a XXXXXXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
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: Reporting company used your report improperly

Complaint:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-30
Company: OneMain Finance Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 US C1681 section 2 602 stays I have the right to privacy 15 US C1681604 section to a consumer reporting agency can not furnish an account without my written notice 15 US C166B and open credit payment can not be reported as late on a open account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: WELLS FARGO & COMPANY
State: CT
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:
Wallet with SSN, My Sons SSN, IDs, Cards And More Was Used and Stolen Back In XX/XX/2016. Resolving Full Credit Report Prior To Applying For My XXXX XXXX. Please Call Me Urgently For More Information. 

Thank You Regards, XXXX XXXX XXXX - 15 U.S.C. 1681c-1 and 15 U.S.C. 1681c-2

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 2023-03-29
Company: Select Management Resources, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
THE COMPANY LOAN MAX LEFT TOWN I LOST MY JOB IN XX/XX/2019 THEY LEFT TOWN CLOSED UP AND I HAVE NO TITLE TO MY CAR THE XXXX XXXX XXXX ATTEMPTED TO REACH THEM IN AN OFFICE XXXX OHIO THEY REFUSED TO SPEAK WITH THEM THERE IS NO RECORD OF THE LOAN OR ANY OTHER INFORMATION ON ANY OF MY CREDIT FILES NOR ANY LISTED INQUIRIES AT THE TIME THE LOAN WAS ISSUSED THEY DEMANDED CASH AS PAYMENT AND NEVER ISSUESED ANY RECEIPTES I NEED THE CAR I AM OVER XXXX AND I NEED TO GET TO WORK AND THE DOCTOR AFTER MY XXXX  THE STATE OF MICHIGAN REFUSED AFTER INFORMED OF THE ABOVE TO EVEN ISSUE A LIEN TITLE SO I COULD GET PLATES THEY NEVER TRIED OR TOLD ME THEY WOULD REPOSS THE CAR I NEED A TITLE, MICHIGAN SAID THEY WOULD 'MAIL " THEM A TITLE MAIL WHO? I PAID THE LOAN I NEED THE TITLE NOW

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have 2 fraudulent inquiries on my credit report, that I reported it to XXXX XXXX XXXX, yet XXXX  XXXX XXXX  is not removing this fraudulent inquiry. The followings are the fraudulent inquiries : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX  XXXX / XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: Chime Financial Inc
State: NC
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:
In XXXX XXXX 2022 I filed a dispute with Chime bank for several fraudulent charges on my secured credit card I have with them. They stated I will receive a decision on XXXX XXXX 2022. Its been 2 months pass the date for the decision and I havent heard anything. I been contacting Chime and they stated it will be escalated and I should hear something in 3 days. I still havent heard any and I reached out them every 3 days about the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
-On XX/XX/2023 an instrument was mailed to Shellpoint Mortgage Company In the amount of XXXX to payoff the mortgage. 

-On XX/XX/XXXX my online account reflected the mortgage was paid off with a principal balance of {$0.00}. 

-On XX/XX/XXXX I received an email stating " Congrats you are paid in full ''. On XX/XX/XXXX I received an instrument with a Shellpoint letterhead stating " Our records indicate your loan through Federal Department of Housing and Urban Development ( HUD ) has been recently paid off. 

-On XX/XX/XXXX I received an instrument with a Shellpoint letterhead stating " This letter is a notice to satisfy the requirements of New Jersey law. We have sent an instrument to the proper public officer to request cancellation of the mortgage ''. Came with a notarized DISCHARGE OF MORTAGE from XXXX XXXX XXXX 

-On or about XX/XX/XXXX I called XXXX County Clerk and they said they had nothing on file for Discharge of Mortgage. 

-On or about XX/XX/XXXX I called XXXX XXXX XXXX, and they stated that the XXXX County Clerks office did not accept the Discharge of Mortgage. They said I could contact Shellpoint Mortgage for further information. 

- On XX/XX/XXXX an instrument was sent to Shellpoint Mortgage for {$310000.00} - On XX/XX/XXXX I received a letter from Shellpoint Mortgage stating " Enclosed is a check we are returning to you because your payment is missing the following required information, Non Negotiable Item. 

- When logging online to check the account a message came up saying " This loan has a payment stop ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, I conducted an inquiry into my credit report and discovered items that were unverifiable, invalidated, inaccurate, or questionable. Your agency did not ensure that the information it reported was completely 100 % accurate. 
In response to these findings I on XX/XX/2023 created and mailed numerous letters to XXXX, XXXX, and TransUnion requesting these items to be either investigated proving their accuracy or to have them removed due to not being correct. 

However, I have not received anything from them. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-24
Company: LEXISNEXIS
State: MS
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:
I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 consumers 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.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

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

Company response to consumer: Closed with explanation