BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
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:
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 an account without my written instructions. 

Hard Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 an account without my written instructions. 

Hard Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
After receiving the feedback from Capital One Auto Finance, I have spoken with the company and the General Manager there at XXXX XXXX XXXX XXXX, XXXX. He has advised for me to request that your company sends him an email directly and he states he will vouch for me that this is not my account. His email address is XXXX. I will also be faxing over the police report to you guys as well once I am able to, I have been diagnosed with XXXX as of yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: WESTERN UNION COMPANY, THE
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2018 I wired USD {$400.00} from XXXX, Idaho to XXXX, XXXX via Western Union. The exchange rate on their website differed from the rate charged at the time of the transaction by 10 % which resulted in XXXX Euro difference on the transaction. ( See attached screenshot of the published rate and copy of the transaction receipt ). This charge was in addition to the {$28.00} transaction fee.

That same day I filed a complaint with Western Union. Western Union responded yesterday with a lame excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to obtain the annual on-line credit report from Equifax. To check my identity, Equifax asked 4 questions about my finantial activity. None of the questions pertained to any of my financial transactions, but asked about loans I do not have. I responded " none '' to all their questions on the web form. It site then said my identity could not be confirmed and denied acces to my credit report. Many calls to the company only got referals to advertisements for their products. 

Equifax procedures do not allow you to contest fraudulent information unless you have a credit report, and you can not get your credit report without knowing the fraudulent information in it. 

In addition, a US government web site that refers to Equifax for identiy verification, also asked these questions about loans I do not have, and was therfore denied access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : XXXX  XXXX BANK # 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 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. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: TN
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 report act conversion XXXX XXXX XXXX XXXX {$610.00} ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$0.00}, XXXX XXXX XXXX # : XXXX {$490.00} ( XXXX ), XXXX XXXX Account # : XXXX {$0.00} ( XXXX ), DEPT OF ED / XXXX- Account # : XXXX {$4100.00} ( XXXX ), XXXX XXXX XXXXXXXXXXXX XXXX-Account # : XXXX {$1000.00} ( XXXX ), XXXX XXXX XXXX-Account XXXX XXXX XXXX {$560.00} ( XXXX XXXX ), XXXX XXXX XXXXAccount # : XXXX {$6200.00} XXXX XXXX, XXXX ), XXXX XXXX XXXX-Account # : XXXX {$250.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Account # XXXX $ XXXX ( XXXX XXXX XXXX 15 usc 1681 section 602 A 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 your 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 non-monetary relief
Consumer complaint received 2017-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Have tried to work with XXXX XXXX and Transunion over the past 8 months to fix problems related to 5 late payments that incorrectly posted to my credit report from XXXX XXXX credit card XXXX XXXX  car loan, and XXXX XXXX accounts between XXXX XXXX and XXXX XXXX. They have strung me along telling me months ago that I need to wait for the dispute process and they would get it fixed ... They did n't ... Then once it went over 60 days they declined and closed all my disputes out and I have been unable to reach anyone on the phone or via online requests to get this resolved. The facts are that the payments were posted late due to errors from the companies listed above not posting my payments properly via their online payment systems, which were down at the time and they advised penalties would not occur ... I tried to contact them between the months of XXXX XXXX to the present and have had no success, I heard that you all could help ... I have reached out and put in direct disputes that are now closed with all companies listed above and XXXX Transunion and XXXX and it was never removed or resolved from my account and its really hurting my credit from me being able to refinance my house or purchase a used vehicle ... Please help!

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX TransUnion/XXXX was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i XXXX which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1700.00}

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 2022-05-04
Company: General Motors Financial Company, Inc.
State: MI
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 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 account without my written instructions. 

15 USC 1666B A creditor may not treat a payment on 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 2017-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : NEW COMPLAINT IMPROPER SERVICING OF MORTGAGE LOAN ENDING IN -XXXX To Whom it May Concern : Complaint Information : A complaint was filed on XXX with the CFBP. XXXX XXXX XXXX provided a letter dated XX/XX/XXXX to the complaint which contained false statements and inaccurate information ( See attached ). Capital One responded indicating that no payments were made on my account during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and a payment was received on XX/XX/XXXX in the amount of {$3300.00}. No lump sum payment in the amount was ever sent to XXXX XXXX XXXX on XX/XX/XXXX. 

This information is false and inaccurate. While I was in a Chapter XXXX bankruptcy, I was responsible for making all payments directly myself. The mortgage payments were not made through the trustee/bankruptcy court. Attached, you will find evidence/proof from our XXXX XXXX XXXX checking account statements provided by XXXX XXXX XXXX showing ALL the above referenced payments were made during the months they were due. I have placed an * next to the payments in question. 

Since filing the original complaint with the CFPB in XX/XX/XXXX, I have attempted to contact XXXX XXXX, Office of the President, Financial Services on the phone numbers provided in the attached letters several times. This individual does not answer the phone and has not returned any of the messages I have left.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX th XXXX someone gained access to my banking information log in and attempted a few withdrawals : Two from XXXX each ( {$4000.00} ) total and the person deposit a fake check from the State of Connecticut I deposited 2 months ago and destroyed it. 

The check is fake because I already deposited this check 2 months ago. 

How the person got a copy of this check I dont know, and Im scared that this could caused me a lot of problems. 

Please help me resolve it. 

My bank account Bank of America account XXXX Name XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: American Credit Acceptance, LLC
State: TN
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 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 account without my written instructions. 

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I provide a digital software development service online client paid me an amount after getting service, PayPal put a hold on that payment don't know why I thought there is some mistake so I refunded the amount and asked my client to send the money again he sent payment again now again PayPal put a hold on that money and charged my client twice for a single payment. Now after getting my payment confirmed by the client they closed my account. Now they are not even letting me refund the amount to the client so that I can ask my client to pay me through another source. I have not been able to get help from them. I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
there was a restriction placed on my card and they are denying me access to my money

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 2022-05-04
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:
Hello. I'm coming to you for assistance because I don't know what else to do anymore. I've been trying to get accounts deleted from my credit report for the last three months and the credit bureaus keep the accounts on the report. There should be no reason why these accounts should remain on the credit report since I have a deletion letter from the collection agency that these were supposed to be removed back on XX/XX/XXXX. This letter even has AUD deletion control numbers on it. 

I have contacted the credit bureaus myself and have submitted this letter as proof these accounts should be deleted. They still remain. We are now on XX/XX/2022, and these accounts are STILL on my reports. To make it even worse, they were deleted for a short period of time, and then reappear. I've called the collector to figure out what is going on, but they have submitted an AUD deletion request three times to the credit bureaus. At this point, I have no choice but to file this complaint through you otherwise I will have to file a complaint through my local small claims court. Please, please, please get the credit bureaus to do their jobs. We aren't in a pandemic anymore, so there is no excuse as to why this hasn't been done by now.

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 2020-10-07
Company: Premier Auto Credit
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I purchased a vehicle in XX/XX/XXXX I been paying it ever since then I got laid off work in XX/XX/XXXX due to the pandemic I spoke to the finance company and asked for more time to pay my XXXX payment they didnt wan na help me out then my XXXX payment came and I made both payments for XXXX each so the total was XXXX a week later the company repoed my vehicle now Im trying to get it back and they dont wan na help me get it back they are saying they dont want to finance me anymore cus I was laid off but my husband works so he can pay the payments I have XXXX  children ages XXXX and XXXX and not having a vehicle is really hard to get around to do grocery shopping And trying to go out and look for a job i would have thought that because of this pandemic I would be able to get help I have never missed a payment I was just late on my XXXX payment but still payed XXXX and XXXX and still got my vehicle repoed how is that possible?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: ERC
State: TN
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:
I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
An 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 response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My student loan debt is $ XXXX, dating back to XXXX of 2006 when I graduated. I have paid for 11 years almost $ 20k ( {$1800.00} per year ) in payments and virtually none of these payments have been applied to principle. I am simply paying Navient interest and getting nowhere. I have the option to change my plan, but I feel that I have been wronged because I have made no progress in 11 years. I was never explained how it worked and feel that because I was a young student I was taken advantage of. I have a family to provide for, which requires all of my income now. I recently lost a second job ( XXXX XXXX ) and this has impacted my ability to continue to pay these loans, although I have never missed a payment. I would like help in getting these balances forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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/2021, I sent a letter with respect to mistaken and obscure things on my credit report. Right up 'til today, more than 60 days after the fact, I have not gotten a reaction yet. I have an inclination that I'm being exploited and being overlooked of my questions. Area 611 ( a ), it is doubtlessly expressed that an inability to examine these things inside 30 days gives motivation to eliminate those things from my credit report right away. It has been more than 60 days, so they ought to be erased speedily. I request these records be erased promptly, or I will petition for suit because of the pressure you caused me. My data was additionally affected by the XXXX information break and may have under the control of some unacceptable individual. 

I XXXX XXXX authorize this dispute on behalf of myself. I have not hired or received assistance from any third party company in preparing or submitting my dispute.

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