BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello I went to a few car dealerships this past year and there were multiple times I did not even give them permission to run my credit yet and I came out of there with like 20 hard inquiries, multiple different times, which is not allowed. In addition to this, some of these dealerships seem to still have my information or something because random new hard inquiries will pop up on my report when I am not applying. I need these unauthorized hard inquiries removed immediately as per the Fair Credit Reporting Act.

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 2015-07-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card
Issue: Other

Complaint:
I went online to USAA to get a secured credit card during purchasing the secured card online USAA 's system charged me twice and set up two secured credit cards when I was only trying to get one. I had to take time out of my busy work schedule multiple times to try and resolve this issue. After speaking to multiple customer service reps I was told this issue was resolved. Only to find out that not only has this affected my credit, the thing I was trying to repair in the first place, but now they are trying to charge me for the additional card that I never wanted in the first place for which they told me the issue was resolved. I tried to make a formal complaint to the executive office at USAA I called XXXX with executive resolutions 5 or more times and never received a call back for any resolution. This bank refuses to return my calls. This has put my ability to repair my credit and use my VA home loan for purchase of my families first home to a complete STOP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10
Company: NAVY FEDERAL CREDIT UNION
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: Reporting company used your report improperly

Complaint:
on XX/XX/22, Navy FCU improperly gave me a inquiry on my report which is detrimental to my livelihood and i want it to be removed off my report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
bureau refuses to do an investigation on my fraud claim, say my police report is not valid, When I filed a police report with my sheriff, my claim and police report is real, you can call XXXX county police department to verify.

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 2022-04-10
Company: Minto Financial dba Minto Money
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was approved for a loan however upon receiving the loan and viewing the APR they are charging almost 800 % interest rate turning a {$1000.00} loan into a $ XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an account with XXXX XXXX XXXX for a cell phone over 5 years ago. i call altleast 10 times because my bill was so high because there was always extra charges on my bill ( data, games, apps ect. ) that i did not purchase. The customer service agent woulsld apologize and tsake off the charges and assure me this would not happen again. but it did a lot. the final incident was when my checking account bounced because my XXXX XXXX XXXX bill was so high from being frivolously charged for stuff i did not purchase or data. i was so upset i demanded to speak to a supervisor because i was so upset. The supervisor apologized and took off all the frivolous charges, i told the supervisor i did not want service from XXXX XXXX XXXX anymore that i could n't afford my bank account being over charged and i was so unhappy with the service. i wantedmy account closed. the supervisor tried to give me every offer she could so i would stay with XXXX XXXX XXXX. i finally told the XXXX XXXX XXXX supervisor that i was going to cal the XXXX and file a complaint against them for breach of contract and their horrible service. The supervisor said sahe would close the account, i still had to pay for that month and the XXXX XXXX XXXX supervisor closed my account with a {$0.00} balance. and i went to a different company. In XXXX 2016 i became a member of credit Karma and i was looking over my credit report and saw a account in collections for AFNI for {$480.00}. The collections account was for XXXX XXXX XXXX mobility. I cALLED XXXX XXXX XXXX and the customer representive said there was nothing they could do because the account was turned over to a collection agency. I said a {$0.00} balance account? XXXX XXXX XXXX were rude and said to call AFNI. I called AFNI and explained what happened with XXXX XXXX XXXX and that i disputed the claim through transunion and equifax, AFNI would not work with me or listen to anything i had to say. the representitive said just pay it, or set up a payment plan. i even faxed AFNI a settlement i received from XXXX XXXX XXXX because there was a class action lawsuit against XXXX XXXX XXXX for what happened to me. AFNI did n't care and just wanted me to make a payment plan. I am so upset with XXXX XXXX XXXX and AFNI for the way i was treated by both companies. i am so upset i do n't know what to do anymore. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/2022 I submitted a letter to the three major credit bureaus ( Equifax, XXXX, and XXXX ) and to three collection agencies disputing some Collections accounts and requesting that they either verify them or delete the unverified negative accounts on my credit report. 

On XX/XX/2022, one of those negative accounts were removed from my XXXX credit report, however, the other two accounts were still showing. After looking in the dispute center in XXXX, there was a comment added " Completed investigation of FCRA dispute - consumer disagrees. '' and " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' while the dispute still shows " Under Dispute '' and its in the " Review '' process. 

On XX/XX/2022 I received a letter in the mail from one of the collection agencies with a copy of two bills with what appears to be " my '' name on it and " my address ''. 

In the letter I explained to the collection agencies that unless they are able to provide, undeniable proof that this is my account, that they must DELETE the negative reporting because anyone can use my personal information to agree to service. I additionally asked them to provide me with a contract that has my signature on it then they have to delete it because they can prove that its my debt. 

This is life damaging information that is being reported and has not been verified and simply sending me a bill in the mail can not be enough to " verify '' account. This has ruined my ability to acquire credit and I demand it be corrected immediately. We must hold these collection agencies and especially the three major credit bureaus to account because they especially hold so much power that can destroy a persons life if a mistake is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
X/XX/2017 My husband and I requested our credit reports and to have our credit blocked due to the Equifax breach. XXXX completed everything for us online including confirmation of our credit block. Online and phone options were unavailable for Equifax and XXXX so we sent signed letters with ss and dl copies via mail per their requirements. We both received our credit reports on X/XX/2017 but no confirmation of the block the letter was like they were trying to talk us out of blocking our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019 I opened a checking account at Bank of America with a {$100.00} promotion that read : " Requirements to Receive the {$100.00} Online Only Offer bonus : ( 1 ) Open a new eligible Bank of America personal checking account by XX/XX/2019 ( you must use the Open now link on the offer page at the time of account opening to be enrolled in this offer ) ; AND ( 2 ) set up and receive two Qualifying Direct Deposits of {$250.00} or more each to your new personal checking account within ninety ( 90 ) days of account opening. A Qualifying Direct Deposit is a recurring direct deposit of regular monthly income - such as your salary, pension or Social Security benefit or other eligible regular monthly income, electronically deposited by an employer or other payer into your new checking account. A transfer done via ATM, online, or teller, or a transfer from a bank or brokerage account, or Merrill account is not a Qualifying Direct Deposit. Please see the Personal Schedule of Fees for further explanation of eligible regular monthly income.After you satisfy all of the requirements, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days. The new personal checking account must be open and in good standing up to and including the date any earned bonus is paid in order to receive the bonus. " I fulfilled the obligations to meet the promotion and Bank of America refused to pay the promotion, citing that I had received the promotion on a separate account in the past. I appealed that decision because the fine print did not read that the offer was for first time customers only, or that the offer was one per lifetime. Bank of America has since changed the language for their promotion to account for this. Regardless, they refused to pay the promotion even though when I opened the account, the promotion read as above. This raises serious UDAAP concerns and other Compliance implications. Additionally it speaks to the culture at Bank of America.

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 2015-07-01
Company: LEXISNEXIS
State: WI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
XXXX is my insurance company, who uses credit ratings to calculate annual fees. I requested a copy of the report they used in preparing my renewal. They sent me to a company called 'LexisNexis '. LexisNexis sent me a copy of my driving record - but not the credit report ( though I asked for the credit report ). The paperwork they sent me is very sketchy and does not tell me how to get the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Arbitration

Complaint:
Kohls account from XXXX I was denied at the store and my XX/XX/XXXX credit report says I owe them {$390.00}. since then. I never had a store card from kohls until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
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:
In accordance with the Fair Credit Reporting act XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX XXXX ) XXXX XXXX XXXX ACCOUNT # XXXX XXXX ) XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1684 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 in 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 2022-09-02
Company: Paramount GR Holdings, LLC
State: NC
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:
Good Leap is a solar company that forged my name and signature for a co-sign. I never agreed nor signed anything with this comapany.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
See Details, Rates & Fees Personal Information Names Reported XXXX XXXX See something wrong? 
Find out how to update personal information. 



See Details, Rates & Fees Personal Information Names Reported XXXX XXXX See something wrong? 
Find out how to update personal information. 








See Details, Rates & Fees Personal Information Names Reported XXXX XXXX See something wrong? 
Find out how to update personal information. 







Addresses Reported below have no affiliation with my personal. info. I never lived at the address below. 
Please, investigate and correct Thank you XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven`t received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
In XXXX, I applied for a loan at my bank and was denied to do items appearing on my credit that I had no knowledge of. The has been a headache as I have reached out to credit bureaus and i'm not getting anywhere with them, so I choose to reach out to this company. These items appearing on the letters I sent to credit bureau are stopping me from moving forward with my life.

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 2020-03-25
Company: 21ST MORTGAGE CORP.
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to a reduction in hours in both incomes from the COVID-19 outbreak control and temporary wage garnishment from a student loan ( now paid, just waiting on everyone to be notified ) we are late on our XXXX mortgage payment. I called 21st Mortgage to not apply a late fee, I will have a full payment by the first week of XXXX to send to them. They flat out refused to not apply the late fee if I do not make the full payment by Friday, XX/XX/2020. I'm not asking them to skip a payment or even a reduction in payments at this time. I'm asking them to not apply a late fee or report the issue to the Credit Bureau. I don't think that's asking for much. They were flat out refusing to work out the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am requesting deletion of the XXXX XXXX XXXX  from my credit report due to the inaccurate reporting information they have been providing, this company has COMMITTED FRAUD and reported I have had a collection since XXXX of XXXX but the account was reported open in XXXX of XXXX??? 
XXXX XXXX  WAS OPENED IN XXXX OF XXXX, SO EXPLAIN TO ME WHERE XXXX OF XXXX IS COMING FROM ON MY CREDIT REPORTS ( THIS IS FROM XXXX, I DISPUTE IT AND IT COMES BACK VERIFIED?? WHERE IS THE CONTRACT WHERE I SIGNED THIS IS XXXX OF XXXX??? ) THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. 


all three bureau have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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