BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 never consented to authorize nor benefited from all Inquires and accounts mentioned on my Identity theft repot, Block and delete them. If I have received goods and services from the furnished Inquires and account, let XXXX, XXXX and Transunion have one of their senior executive certify under the penalty of perjury that I did received good and service from those transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
Company: Experian Information Solutions Inc.
State: OH
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:
XX/XX/2020 This is the 3rd time I have complained about this issue, I have filed my complaint in XX/XX/2020 I never received any response back or any of the requested legal documentation. Please be advised that I and filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. IT IS WELL BEYONG THE 30-60 DAYS! After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A  ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand  the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have SS numbers showing on my file that do not belong to me XXXX, XXXX PLEASE DELETE NOW! 
My employer is Self Employed My name is XXXX XXXX XXXX XXXX please delete any and all other variations of my name they are not accurate!! 

This is my only number XXXX All other telephone numbers are not 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 explanation
Consumer complaint received 2017-07-25
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The debt collector repeatedly called my work cell and my office giving the last 4 of my social to other employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
citi bank bought my best buy credit card debt. I called because i dont live in the US anymore and didnt have access to my mail. They said that it was imposible for me to get my statements, but i was worried because i had a promotion with best buy and didnt know when it will expire, rep told me that i still had time and gave me a wrong date, next thing instead of owing {$200.00} dollars that i had left I owed {$1000.00} and debt still growing. STILL not receiving statements and account was closed so very hard to get info on the account.

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 2021-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Over a year ago, I discovered that I have been a victim of Identity theft. I discovered that someone unknown to me used my personal information and good credit to get credit cards from XXXX XXXX XXXX XXXX XXXX, and Capital One Bank. Since I was not aware of these accounts. They all got charged off and some ended in collations. At that time I have filed an FTC Report and send it to the Credit Bureaus and Original Creditors. All except for Capital One has been removed from my Credit Files. I contacted Capital One and I told them, " I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account ; I therefore request that this account be closed immediately. I also request that CAPITAL ONE absolve me of all charges on this account, and that they take all appropriate steps to remove this account from my credit file ". I also sent them a copy of my Identity Theft Report supporting my position, also sent a copy of the FTC Notice to Furnishers of Information, which details their responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, they are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies their responsibilities when they receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information they provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that they do not attempt to sell or transfer the fraudulent debts to another party for collection. I also request to investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. What did capital one did ignored all my communication and the only respond I got from them was a lawsuit documents from them and few months later a dismissal from their attorneys. I tried again dispute this account with capital one and credit bureaus and again I got the results that capital one has verified the account belongs to me, and I also the had sent me to collections. This is been a nightmare dealing with capital one for the past year, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
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: Account status incorrect

Complaint:
The Credit Reporting Agency reported damaging information on my credit report and my rights have been abrogated. The students loans have been paid in full ; however, they still showing negative on my record. I would like to see this damaging info be deleted form my record. 

Thank you.

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 2022-01-23
Company: Total Card, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX has violated my consumer rights. In XX/XX/2021, I submit a CFPB to be sent to XXXX XXXX regarding late payments on my account. I had XXXX late payments on my account during the pandemic and I was requesting adjustment. The company notified me that they could not adjust the reporting of those payments. 

However, XXXX XXXX closed my account without notification and continues charging excessive fees : late fees of {$40.00}, interest accrual and a monthly servicing fee on a close account as of XX/XX/2021. See attached. I had a good payment history prior to my account being closed. 

I attempted to pay the account off, but could not pay the balance down because of the fees that were accruing. 

XXXX XXXX is in violation of 15 U.S. Code 1691, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transactionbecause the applicant has in good faith exercised any right under this chapter. 

I was also denied a Credit Line increase in XX/XX/2021, stating denial due to High Credit Use On This Account and Account Performance : delinquency on your account in the last 6 months. At the time of the request, I had 0 delinquencies. 


XXXX XXXX is a sub-prime card that takes advantage of consumers with less than perfect credit. It is unfair and discriminatory and I demand remedy of my account and my credit history. 

I have attached evidence to this complaint to support all of the allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Early Warning Services, LLC
State: GA
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:
Early Warning had no permissible purpose to furnish a report on my character. I never consented or gave you any written instruction to furnish a report nor receive a response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. So, Early Warning is in violation and comity identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Service Finance Holdings, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not sign this loan with Service Finance- this is not my signature and i did not veri sign i have emails from them saying i havent veri signed - also i have police report of use of reporting my credit monthly with negativity XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-30
Company: ERC
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 had an old account with XXXX XXXX XXXX I contacted them and settled to pay my bill in full. I asked that a letter stating I paid in full be sent to me and that the item be cleared from all three credit bureaus. It has been weeks now and it's still there. I held up to my part and I would like them to do the same and remove the item IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I get a lot of credit card offers from different companies, saying that Ive been preapproved, or invited to apply. They tell you all about their disclosures, rates terms etc. but what they dont tell you is whether you will be considered if you have a bankruptcy on your record. I think it should be their responsibility to tell you, that if you are applying and have a bankruptcy on your record you will not be considered For credit. Im trying to rebuild my credit after a bankruptcy and Ive had a couple cards declined me, because of the bankruptcy. But it damages my credit with inquiries, that I wouldnt normally have had had I known this in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have a forbearance on my Navient account until XX/XX/XXXX. On XX/XX/XXXX, I applied for a IDR plan due to changing teaching positions. Navient did not approve this plan until XX/XX/XXXX. I continually called and uploaded documents to their website due to the documents disappearing after 7 days .for the entire month of XXXX Then they sent me a ebill also on XX/XX/XXXX to pay the first payment on XX/XX/XXXX. I called them on XX/XX/XXXX to discuss finishing the previous forbearance or using one month of the forbearance to start making payments on XX/XX/XXXX. I was informed by two representatives, " XXXX '' and " XXXX '' that I had used all of the forbearance and could not change the original due date. They both told me that I could not use the remaining 2 months of the previously approved forbearance, that I could set up my budget to repay this bill. At the same time that I submitted IDR paperwork to Navient, I submitted it to XXXX and was approved on XX/XX/XXXX and my first payment was set up for XX/XX/XXXX, which I already set up for automatic payments. I simply want to start my Navient payment on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Attention : Transunion Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX XXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Made on : XX/XX/2020 Made with : Transunion Made by : XXXX XXXX XXXX XXXX XXXX  Made on : XXXX Made with : Transunion

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 2018-12-03
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have 3 accounts on my credit file from XXXX XXXX - acct # XXXX they are all listed with the same account number these accounts have been on my credit file for longer than 7 years. XXXX deleted the accounts as of XX/XX/2018 but they still remain on file under XXXX and Equifax. 

these accounts should be excluded/removed from my credit file based on the 7 year law

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a VA Mortgage Loan, which states in the loan contract that Late payments are considered after the XXXX of each month. To be specific, any payments on the XXXX of the month is considered late. In XXXX of 2017 I electronically made my monthly payment on the XXXX of the month, due to the banks processing system. However that payment was on time under the terms of the VA loan. Never the less Wells Fargo Charged me a late fee for the month of XXXX 2017 My payment for that month nor any months prior to that month was late.

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 2019-12-31
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:
as of XX/XX/2019 I had filed against XXXX/Equifax and the results were to remove from my credit report. I applied for a credit card and I was denied due to Equifax not deleting my XXXX  information. it was agreed on XXXX file. and it was not done, so my fico goes down due to being pulled and I was denied. how good is these credit bureaus???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Paypal credit was the method used to pay for a transaction I used to purchase from a vendor on XXXX  XXXX nor paypal are giving me a refund for products I have not received The merchant said he was going to send me my products within 20 days max as production was 12-15 days The seller has not been responsive and does not want to give me my full refund

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: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/23 My debt was paid to the original debtors. The original debtors was the city of XXXX XXXX. Penn Credit Corporation is reporting a collection on XXXX they cant collect for. It was deleted from XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
It has come to my attention that continued requests for removal of multiple incorrect addresses appearing on my credit report are still entered as home or residence locations on my credit report. I certify that I have never lived at any of the locations listed. I have been at my current home for the past 16 years. 
This information has led to many negative occurrences to my credit and life. 

This is a demand to again, remove these addresses!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I requested verification of account with this credit reporting agency on in writing on multiple occasions. These requests were sent by certified mail ( I have attached the receipts with tracking information ) on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite 5 written requests over the span of a year, the unverified items are still listed on the report and the reporting agency has gone so far to claim the items are verified without garnishing physical verification of the original signed consumer contract, or any verification documents at all for that matter. This credit reporting agency has had over a year to produce the documents that they are legally required to provide to me. 

If this agency does not have a copy of original documentation ( a contract with my signature on it ) as required under Sections 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Further more, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

This organization has violated 3 different sections of the Fair Credit Reporting Act, and has had over a year to produce these documents. They clearly are not in possession of any proof of the validity of these documents and continue to present this false information to my credits.

This is illegal and defamatory. This credit reporting agency is INTENTIONALLY violating the law. Opening a dispute with the CFPB is my last hope/resort before being forced to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan servicing website has an " alerts '' section which includes both transactional -- statement is ready, tax forms are available, and other notices that should not be ignored -- and promotional offers. Excessive promotional offers. A ratio that seems to be about 12 offers for every alert that I needed to read. 

I contacted customer support to be excluded from receiving these offers. They were unable to help. They removed me from receiving promotional emails, but could not do anything about the messages served by the loan servicing application/website. 

The in-application alerts are the only channel I receive some required communications, and as such, I can not ignore it. 

I feel the lender is abusing my need to use this feature of their loan serving website to receive transactional communications in order to make me a captive audience to promotional messages that I can not opt out of receiving.

Company response to consumer: Closed with explanation