BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-21
Company: Velocity Portfolio Group
State: WY
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 : Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXXXXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a count without my written instructions.

15 USC 1666B : A creditor may not treat a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 disputed my credit report many times they never fixed the account and they always lower my score.when I use the credit card I pay the all the palance they never report that sometimes it takes them more than a month to do that and after I dispute that plus when I charge something anything on the credit card it goes on my report the next day they always ask for money to raise your score thats not right

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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX is fraudulently reporting to all three credit bureaus that I am delinquent and that my balance is XXXX. When in fact I am current with a spending balance and my credit balance owed is only XXXX. This is not the first time XXXX  has reported false balances. They do it right after every payment Ive made. They then send me a text with the wrong balance and later correct it. This error however has hurt my credit and livelihood. Im a victim of identity theft and right now Im under a lot of stress from fighting to fix all of that and XXXX XXXX is only adding to that stress with this issue.

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: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To Whom It May Concern : On XX/XX/2022, we applied for a mortgage to buy a house for XXXX from US Bank ( Loan # : XXXX ). On XX/XX/2022, we locked the rate of 3.25 % with the manager of U.S Bank ( see attachment 1 ). Following, we paid the Earnest money of XXXX. We paid all the expenses for an appraisal and inspection. The closing date on the house was on XX/XX/2022. 
On XX/XX/XXXX XXXX XXXX we received the denial letter ( see attached XXXX and XXXX ). Due to this, we asked the seller to release the Earnest money. The seller refused and stated that the US Bank employee XXXX XXXX contacted them directly to tell them that we were approved for loan but with different terms. The seller contacted us though our broker XXXX and we provided a US Bank Loan Decline letter. The seller then stated that the letter was not real. The seller insisted that XXXX from US Bank told them that we did receive the loan. The seller, again, refused to release the Earnest money ( see attachment 4, please note seller referred to US Bank employee as XXXX XXXX ). We contacted US Bank and told them that they have breached our privacy by contacting the seller directly without our permission. This breach of privacy has caused a huge problem and incurred a large amount of stress. We are still trying to receive our Earnest money from the broker and seller.

This was poor handling and a breach of confidentiality of private financial information by US Bank. We have had a long history of loans with US Bank ( over XXXX XXXX ) that were paid without any delay. 
best regards

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 2023-11-27
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
when I opened my bank account I opted out my card being able to go thru if funds were not available to prevent any overdraft fees. since last week when I use my debit card PNC is deducting the amount I spent at the store plus putting a hold for extra on my account. which means every time I use my card I'm going to be paying double for my transactions until they clear from the bank which according to one of the managers it can take 5 to 7 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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 have Child Support with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2021. I have read enough to understand my rights. The Experian and XXXX Credit Bureaus is required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX  shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}

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 2023-01-31
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:
In XX/XX/2023 I filed a dispute through Experian related to an auto loan that shouldve been closed, but still showed negative balance. The loan was through XXXX, XXXX, XXXX XXXX. Experian had raised my score XXXX points as the dispute started. XXXX  amount of time had went by, and they had finally resolved my dispute as of XX/XX/XXXX. My score went back down XXXX points even though they had removed the negative balance. I am upset that the score had been dropped XXXX points again, I thought that getting rid of an auto loan would have increased my score and rightfully so should have. The report number through Experian is XXXX. And the only reason that XXXX was started was because my XXXX  and I had purchased a car that she was XXXX  with so we exchanged it for another car, which is why we have another auto loan. alls I wanted was the XXXX loan to be removed and that my score go back up. If any more information is needed, I will gladly provide it. I need my score to go back up as I to am wanting to finance a vehicle of my own in the near future and the change they made my score the way that they did will have a negative impact on me trying to finance a vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am submitting this complaint for you to make an investigation of some accounts with inaccurate information and after checking your response I recognized that some accounts are still incorrect, with a confirmed status. Please help me correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These accounts do not belong to me, please block and remove according to 15 USC 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 2021-08-02
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:
To whom this may concern, I have disputed past fraud accounts and have placed alerts on my credit report to refrain from possible identity theft, and still fraud accounts are being falsely reported on my credit report. I have had a hard time proving my innocence in this matter and will not tolerate such a crime. I am growing angry and exhausted with this system that doesn't protect citizens account from such fraud. It should not be this easy for some complete stranger to live and purchase things as me and I get the bill when I have no knowledge as to how to prevent such a crime when I have followed and did what was asked of me by the bureaus. Please, please rid these accounts from my report and place an alert that will notify me directly!

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: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I currently have a VA loan for my home in which I Received through Chemical Bank which was bought out by Huntington. A few months after purchasing the Home I received a tax bill I which I ignored because my taxes and insurance are rolled into my mortgage payment. I called the bank when I received a delinquent notice and they had me send a copy of the bill to their customer service mortgage division and I did so. Then when I received another tax bill I also sent that one. I just received another bill that shows delinquency in said property taxes. I again sent a copy of this and marked the delinquency section ..... They do not respond nor can I get anyone to answer phone calls and I need this taken care of. I incorporated taxes and insurance into my loan to keep issues like this from happening .... I appreciate any help you can give. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: OH
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 having issues with inaccurate information appearing on my credit report. please delete the following addresses below that are not mine : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH , XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX  XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom this may concern, I have disputed past fraud accounts and have placed alerts on my credit report to refrain from possible identity theft, and still fraud accounts are being falsely reported on my credit report. I have had a hard time proving my innocence in this matter and will not tolerate such a crime. I am growing angry and exhausted with this system that doesn't protect citizens account from such fraud. It should not be this easy for some complete stranger to live and purchase things as me and I get the bill when I have no knowledge as to how to prevent such a crime when I have followed and did what was asked of me by the bureaus. Please, please rid these accounts from my report and place an alert that will notify me directly!

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 2022-06-21
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 2022-06-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I took out student loans at XXXX years old, having no clue what I was agreeing to. I didn't have parental support and was trying to put myself through college. I took out private loans, having no idea the ramifications and high interest rates. I took out approximately {$31000.00} in private loans and have been paying them for about 17 years. I was told today that I owe {$39000.00}. I have been put into several repayment plans that hurt me tremendously, but this should be absolutely illegal. I would like to have this looked at as I believe there is a legal issue here. If I purchased a car for {$31000.00}, it would be paid off in 5 years. How have I been paying for 17 years and I owe more now. I am struggling to make ends meet and have called them many times. They do not offer any viable options or advising. They give me two options that are both terrible and tell me there's nothing else they can or will do. I am desperate for help. I also have federal student loans in the amount of {$30000.00} that I have been paying on for 17 years as well and haven't even made a dent in, I just owe more now. This feels like complete robbery. How does anyone get ahead in life? I feel extremely wrongfully informed and taken advantage of by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX  - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 Experian I have never authorized XXXX  to run my credit i boughta car came with fin in hand use own bank contacted dealer as well as XXXX please remove there is no open accounts on my credit with XXXX  as of XX/XX/2022

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 2022-06-21
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 is missing that should be on the report

Complaint:
My XXXX XXXX XXXX only shows up / reports to only XXXX since XX/XX/XXXX. Not reporting to the other 2 credit bureaus * TransUnion & XXXX. 

XXXX XXXX credit bureau division has tried multiple times to insert the account to TransUnion and XXXX since XX/XX/XXXX. 

Account # XXXX Credit limit {$23000.00} Date of open XX/XX/XXXX Consumer status - Open Balance - {$0.00} Responsibility joint

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 2022-06-21
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was advised to close my account due to the fact I don't have a permanent US address. I am a US citizen living overseas. I completed an Account Closure form in apostile form and forwarded it to the bank on the XXXX XX/XX/2022 ( along with transfer details to a new bank ). They received on the XXXX XX/XX/2022. They promised 10 day turnaround. When I called them after nothing had happened for 10 days, they said there were 'delays '. I called today and have been holding for an hour already on an overseas call. I can't transfer the money myself, as their App won't let me as I don't have a permanent US address. They have effectively locked my account with no recourse.

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 2021-08-02
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. and violation of 15 US Code 1692e ( 2 ) ( a ) - the character amount or legal status of any debt. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Social Finance, Inc.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a secondary complaint to closed complaint XXXX. In response to my last complaint So-Fi stated that they would be sending me a check via email for the {$5000.00} stolen from my account due to their lax security measures and my remaining balance of {$280.00}. The check in the amount of {$5200.00} was sent to me, but when my bank submitted the check for payment into a joint account with my son ( XXXX XXXX ), So-Fi rejected the check and did not provide the funds. It appears that they sent a check they did not intend to honor nearly to close out the initial complaint. My stolen {$5000.00} and remaining account balance of {$280.00} is still not back in my hands and is causing me to pay additional fees and interest on other loans due to the missing funds. 

So-Fi claims the fraud issues was on my end due to stolen email. However, outside of my So-Fi problem I have had no other instances of fraud perpetrated on any of my other banking or investment accounts, credit cards, or any other situation where the email in question was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I outright own a vehicle, I am trying to trade in at XXXX. The title indicated no Liens. 

The XXXX system shows a lien with Regional Acceptance in their system from a previous owner. XXXX is making me get a lien release. 

Ive made XXXX calls to XXXX, and they will not help me. I do not have an account with them, I have a title to my vehicle and I need them to send a release so I can trade the car in. 

Vin 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