BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-13
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This so called receivable performance Fraudulent, and Frivolous agency did not send an actual invoice like a monthly invoice of owed debits, I had no contracts with this Fraudulent agency, their validation is copying spread sheets on XXXX of other companies, no actual invoices, they sent an attachment of spread sheet copying channels of tv, it was not a statement, it was not an invoice from the actual company, they copied the XXXX XXXX XXXX logo and posted it on a letter that their scammer signed, he or she never realized how stupid he or she is. I had no contracts or signed agreements by me stating that I owe this scam frivolous fraud unheard off misleading scam artists. show me the validation of my signature to your frivolous so called collection company. I will be in the process to have my Attorney press charges in the Federal Court against them and collect punitive damages and Attorney fees and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX. Here is the list of items that do not belong to me or were opened without my permission. 
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 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 Balance {$130.00}

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 2022-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I paid my balance on my account ( ending inXXXX ) on XX/XX/2022 with Capital One and on or about XX/XX/2022 I asked for it to be closed. I waited about a month for the credit card company to send a letter/email stating the account was closed. What I received was another statement from the credit card company. They are refusing to close my account. I gave no permission to keep my account opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, our home suffered a flood from a water pipe that burst after freezing. We documented everything and had our insurance company send repair funds to our mortgage company, Mr. Cooper/Nationstar, formerly XXXX, instead of sending the funds to us. The funds were to be applied to our principal, an option that we have the right to exercise, and which we designated at the time. Mr. Cooper put the first check for {$10000.00} into an Loss Mitigation account, and would not release the funds to apply to our principal, saying our account was " not current ''. Several months later, Mr. Cooper received another check form our insurance company ( XXXX XXXX ) for {$51000.00}, which we also designated to be applied to the principal. Mr. Cooper applied {$41000.00} to the principal and took the remaining {$10000.00} which has not been accounted for, but we were told that brought the account up to date and current. Mr. Cooper did not provide an accounting of this activity, despite our requests. Our account was current and the original check for {$10000.00} was still not applied to the principal. Mr. Cooper then stated that we needed to send in an affidavit stating that we wanted these funds applied to our principal, which we did. We had done this previously as well, but the first affidavit was ignored. The second affidavit was ignored also, and Mr. Cooper still did not apply our {$10000.00} being held in Loss Mitigation to our principal. 
Mr. Cooper called this morning, XX/XX/XXXX, to state that now they want " Contractor documents '' ( but did not state specifically what they wanted ) before they would release the {$10000.00} held in Loss Mitigation to our principal. When asked what documents specifically they wanted, she said only " Contractor documents '' and said she would transfer me to Loss MItigation to discuss this further. I told her every time I have spoken to Loss MItigation they send me back to Customer Service, who then wants to send me back to Loss Mitigation. Loss Mitigation continues to tell me that my account is not current and that I need to send in an affidavit ( which I did already and which they did not honor ) to release the funds from Loss Mitigation. I am livid and infuriated that this circus is allowed to go on while they threaten to take our home from us and while they are holding a large sum of our money that does not belong to them. This company should not be allowed to operate and should be fined and shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
This is my 3rd attempt to fix and update my personal information with Experian. I XXXX XXXX have updated all my accounts reporting with my correct and current address there should be only one address and my correct name reporting. Experian has failed to investigate and update my credit profile with reporting incorrect information. I advise Experian to correct my profile with one name XXXX XXXX and the one address connected to the accounts reporting XXXX XXXX XXXX XXXX NC XXXX. 
Experian has failed to follow compliance with FCRA and this is a violation of my consumer rights.

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 2022-05-18
Company: PNC Bank N.A.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to get a student loan from PNC banks corrected on my credited report. It showing payment was late over XXXX times corrected when the loan was in forbearance or it was in a bankruptcy status. Its showing that I was late over XXXX times which I never was in a repayment stage and have tried numerous of time to get that corrected and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: AZ
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 charged off my account, even though it was not 120 days late. At any rate, I have a Charge Off for it. The charge off was in XXXX. Now, XXXX, adds an ( S ) to the word Charge Off, making it read as " XXXX XXXX '', and has a XXXX on there. Now it looks as if I have XXXX accounts with XXXX XXXX  XXXX as a XXXX Off, and each month they add a number to it. A charge off can only be XXXX single event. After that the account show should Not Reported for payments and should not be adding to the " number '' in front of the word Charge Off, making it plural with an S, and changing the number of instances. The number of instances is fundamentally wrong. 

They also did the Exact same thing with my XXXX 's account Status. 

Charge Off can only be 1 incident. 

To try and say I have been charged off 4 times, is egrergious, false, and lacks merit. 

I had 2 accounts charge off. The number stays there. 

I have not had 4 accounts, as is the way Experian  makes it look. 

This is a disservice to the consumer, especially someone affected by XXXX, who did not get unemployment benefits for 94 days because the State of AZ did not have the 'right system in place yet to authorize the self employed individuals under the CARES act. '' Otherwise this wouldn't even have gone without being paid, if I had received my funds on time from the AZ Unemployment Authority. 

At any rate, this cred report and not factual statements and falsehoods of Multiple Charge Offs per XXXX and Multiple Charge Off per XXXX  XXXX needs to be fixed by Experian. It is Experian 's report, not the creditor. Creditor has been sending in the file as Not Reported correctly, it is Experian that keeps changing the number of times and made it plural.

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 2023-08-01
Company: Experian Information Solutions Inc.
State: NC
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:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-09-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Comenity Bank has not been reporting ALL of my revolving charge cards considering I have XXXX accounts with Comenity Bank. They have been reporting only XXXX accounts and have not been reporting XXXX of my accounts to XXXX, which is unacceptable. I did contact XXXX XXXX at XXXX over the telephone on XX/XX/23 at XXXX PST and I ask the representative to transfer me to a supervisor or Manager so I can attempt to have this resolved. I was transferred spoke with a supervisor named XXXX, who listened to my issue but stated she could not assist me and that I needed to contact XXXX to discuss my issue and have it resolved with XXXX. I then know I XXXX was providing me with absurd guidance, because why would I contact XXXX about charge accounts that Comenity Bank is not reporting to XXXX. This isnt something XXXX has control over, because why would a credit reporting company have input or control of accounts that dont have reported on their end. Its Comenity Banks responsibility to report All of my accounts correctly to the consumer reporting agencies, per the FCRA. I stated the same information to the Supervisor XXXX and expressed my frustration with her poor guidance. I then asked her to provide me with Comenity Banks address to report issues or complaints. She placed me on hold about XXXX minutes and then provided me with the main address for Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please see the attached notarized Affidavit of Truth informing Transunion of my intent to sue due to negligence, statutory, and punitive damages. I have been trying to remedy this account for over 9 months. Attached is the credit report showing the inconsistent data. I have all dispute letters, cfpb complaints, and documentation for my case. I also sent in proof that the account was never late which I will have readily available for court. I was denied credit due to this faulty reporting and I can legally seek statutory damages up to {$1000.00}. XXXX lowered my credit limit due to your inaccurate reporting which I can prove as well. If the late payment is not removed from account XXXX XXXX XXXX, I will move forward with filing a statement of claim in my state.

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 2023-06-05
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:
I have asked them to investigate the completeness and accuracy of these accounts and to furnish me with the contract between me and them and they can not!! In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. In this is holding me back in hurting my credit profile from my future of purchasing me a new home

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 2018-11-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did-not Authorize / Authorization the use of credit and/or view or pull credit report, IDENTITY THEFT VICTIM - XXXX   DATA BREACH!!!!!!!!!!!!!!!

Inquirer Name / Inquiry Date / Removal Date / Business Type / Contact Information XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX  XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXBank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX  XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX   NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX  BYMAILONLY XXXX XXXXXX/XX/XXXXXX/XX/XXXX Automobile Dealers, Used XXXX   XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX   XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX   XXXXXX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX  XXXX XXXX XX/XX/XXXXXX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX   BYMAILONLY XXXX   XX/XX/XXXXXX/XX/XXXX Sales Financing Company XXXX XXXX XXXX XXXX, FL XXXX   BYMAILONLY XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXAll Banks - non specific XXXX XXXX XXXX XXXX, NM XXXX   BYMAILONLY

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 2023-08-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2023-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am not liable for this debt with Capital One and do not have a contract with Capital One. They did not provide me with the original application like i asked but I keep getting automated responses

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received a text from XXXX that someone opened an Account with XXXX XXXX  and TD bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
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: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-06-01
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX  XXXX and the abuse of a XXXX individual as documented in APS reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 

Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.

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