BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting 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 2022-03-07
Company: Experian Information Solutions Inc.
State: ND
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, my name is XXXX XXXX and I am writing today to get help with incorrect information on my XXXX, Experian and XXXX Credit report. I have reached out to all these agencies via online dispute and telephone and asked they remove inquiries that I did not request or allow, to this day this has not happened.

Please remove inquires from these companies immediately as they are inaccurate and damaging my credit score : XXXX XXXX, dated XX/XX/2021 XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX dated XX/XX/2021 XXXX XXXXXXXX dated XX/XX/2021 XXXX XXXX XXXX XXXX XXXX dated XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX, dated XX/XX/2021 XXXX XXXX XXXX  dated, XX/XX/2021 XXXX XXXX XXXX XXXX dated XX/XX/2021 XXXX Companies dated XX/XX/2021 XXXX XXXX  dated, XX/XX/2021 XXXX XXXX dated XX/XX/2021 I did not give any of these corporations permission to request a credit report and have asked these agencies to remove this information asap, this has not happened. 

Please help me solve this issue. 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 explanation
Consumer complaint received 2023-12-16
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted the company because I keep seeing them negatively affecting my credit score. After speaking to two representatives they both told me that I need to contact the credit bureau to get this resolved since there is no account under my full name, phone number or social on their records.

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 2023-02-12
Company: EQUIFAX, 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:
XXXX XXXX FINANCIAL, NCCINC/ATLANTA LUXURY MO, XXXX XXXX XXXX XXXX XXXX XXXX DEALER SERVICES, CITIZENS XXXX AUTO FINANCE, TRUIST DEALER SERVICES, ASSOCIATED CREDIT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX Purchases were made for the amount of XXXX with my Gap credit Card in Texas, while I was physically in XXXX NY. It all started with a sim swap for a XXXX account where my identity was stolen. Later used fraudulently for a credit line. I did file a police report as soon as I realized that I was a victim of identity theft. I filed the police report on XXXX XXXX contacted Barclays the company for the Gap card too many times since XXXX when I found out I was being over charged with items I never purchased. The Account was closed on XXXXXXXX XXXX XXXX  for further investigation. After the investigation they said the activity is valid because the card was identified as being in my possession and chip card technology was used. I'm being accused for something that I'm a victim for.

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 2021-11-16
Company: Arbor Professional Solutions, 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:
I have filed many disputes over the course of two years with XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional solutions on multiple accounts ALL of which should not even be reported due to HIPPA rights/laws. I have concluded in research that, In connection with its collection activities, XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional solutions, furnishes credit reporting information to consumer reporting agencies ( CRA 's ) about the consumers and debts that are the subject of its business. XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional solutions, violated the Fair Credit Reporting Act ( FCRA ) and its implementing rule, Regulation V, by furnishing information to CRAs that it knew or had reasonable cause to believe was inaccurate ; failing to report to CRAs an appropriate date of first delinquency on certain accounts ; failing to conduct reasonable investigations of disputes made by consumers both to XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional Solutions and to CRAs about furnishined information or failing to conduct investigations of disputes made to XXXX, XXXX XXXX XXXX XXXX, and Arbor Professional Solutions in a timely manner ; failing to send required notices to consumers about the results of such investigations ; and failing to establish, implement, and update its policies and procedures regarding its furnishing of consumer information to CRAs. Based on these violations of the FCRA and Regulation V, XXXX, XXXX XXXX XXXX XXXX and Arbor Professional solutions violated the Consumer Financial Protection Act and HIPPA rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
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: Company closed your account

Complaint:
I received an email earlier in XXXX that my credit card was closed. I called Capital one and they stated that a communication was sent to me via app on XX/XX/2022 that i have to use the card within the 90 days or my account willbr closed. I accessed the app on Capital one while the agent is on the phone with me and i didnt see any record on the app. The app is empty and it states that i dont have any documents. My account was closed without any communication from them. Very unprofessional and they dont have any policies set in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Lvnv funding has purchased it debt that was open due identity theft I contacted the credit bureaus and got them to remove the report from XXXX XXXX XXXX then lvnv funding picked up the debt placed another mark on my credit report and has been trying to collect using threatening phone calls threatening arrest and to damage my credit if I did not pay them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-05
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2019, I refinanced my office building loan with US Bank. At the time, I inquired about the prepayment penalty in the promissory note. The promissory note made a vague reference to the calculation that only a Chartered Financial Analyst could understand. I wanted detail information as to how it is computed so I could understand how to mitigate such a penalty in the event I sell my building. I was told " not to worry about it and that it is there in case rates went down to protect the bank. '' Had I had this detail information, I could have gone to another financial institution to see how their prepayment penalties work in comparison. US Bank, however, did not want me to go to another institution and made the refinance easy only asking for my drivers license and my wife drivers license. No tax returns, no financial statements, no paperwork. I am now contemplating selling my office building and asked the bank for payoff information and the prepayment penalty. The bank sent me a payoff statement with a prepayment penalty of {$13000.00}. I asked the bank for a detailed computation of the prepayment penalty and I was told that I have to sign a nondisclosure agreement regarding the calculation. The bank has told me that such a calculation is confidential and proprietary. However, it is my calculation as I am the one paying the prepayment penalty. I should not have to sign a nondisclosure agreement to get the calculation for my prepayment penalty.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
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:
XXXX accordance with the Fair Credit Reporting act XXXX  XXXX DEPARTMENT OF EDU # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I submitted a dispute with XXXX over two medical debts listed by XXXX XXXX. One, in the amount of XXXX has been removed from my credit report on XX/XX/XXXX, the other for XXXX hasn't yet been removed. The dispute says it's still being investigated but they are debts to the same medical practice, so both should have been removed, the dates of service are one month apart. The practice that reported the debts is located in New Jersey and medical debts are removed after five years. 

Also, my credit score should have gone up by XXXX points due to the removal of one collection debt but it has actually been lowered by XXXX points. No other issues can be attributed to the lower score. In XXXX of XXXX, my XXXX score was approximately XXXX, when I paid off and paid down credit card debt my score dropped to approximately XXXX. It seems that no matter how I try, XXXX is not using an equal reporting scale as XXXX XXXX or XXXX. My score for those two agencies are in the XXXX. I have tried several times to find out how to get a fair score from XXXX, but not one customer service representative can help and will not connect me with someone who could.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank allowed my home to be sold at a tax sale. Every mortgage payment has been made on time. After contacting Flagstar Bank as soon as I received the notice of tax sale, I was assured it was handled. I even received email correspondence saying the issue was handled. Flagstar Bank is now claiming ignorance. How is this possible when I made them aware on XX/XX/XXXX? 

On XX/XX/XXXX at XXXX p.m., EST, I called Flagstar Bank regarding a FINAL NOTICE BEFORE TAX SALE sent to me by the state of Maryland. This perplexed me because my taxes were/are escrowed and every mortgage payment had and has been made in a timely fashion. XXXX transferred me to XXXX for assistance. XXXX informed me that the bill would be paid A.S.A.P. He requested an email address to provide me with confirmation upon payment of the property tax bill. I read the exact information from the, FINAL NOTICE BEFORE TAX SALE to " XXXX '' on XX/XX/XXXX. 
On XX/XX/XXXX I received a confirmation email from Flagstar that, Your case number XXXX was resolved on XX/XX/XXXX. 

However, the taxes were never paid and Flagstar is attempting to shift the blame. They are saying it is a previous servicers fault. They are claiming they didn't know the taxes weren't paid. However this is impossible since I called them and read them the notice and they still did not pay the taxes!

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2015-06-22
Company: WELLS FARGO & COMPANY
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a victim of identity theft and someone stole my personal information and identity and opened up fraudulent and unauthorized Wells Fargo checking and savings accounts that do not belong to me. Attached is supporting documentation for proof, I was incarcerated at XXXX Correctional Facility-XXXX from XX/XX/XXXX to XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: T.S. Holdings
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 left apartment in XXXX and paid all amounts whichever they said but after 2 months they send me letter that you have left over amount when i went there they they remodel the apartment and i have to pay that amount and they said we send you ketters which I didnt receive any kind of letter then I contacted the debt company i told them I didnt receive any letter they said they dont know you have to pay that but when i left the apartment everything was good but they lied to me they said it was broken when i asked them for pictures or any proff they didnt provide me nothing.so I request to you please take remove this debt from my account which I dont own. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit is Frozen because of an OPM data breach in 2015. I called TransUnion and attempted to get a copy of my credit report and update errors I had seen earlier. After, about 20 minutes on the phone I was told there was not enough information in my file to verify me so I would have to do it in writing. I went online and tried to access my report after collecting a lot of my information I was told I would have to call in. I called the toll free annual credit report number and they mailed me a copy which verify my concerns of errors in my report. The generic letter and copy of my report gives me no method in correcting my report but to go online and this site. TransUnion has made it impossible for me to correct my report because I don't use credit and haven't it seems be a sort of punishment ...

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 2023-04-05
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AV XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
On my Experian credit report, I have tried to dispute the 30 day late payment many times. Both XXXX and XXXX have made the appropriate changes, but Experian is just ignoring my requests for updates. During the COVID lockdown in 2020, XXXX branches were closed and I call them to tell them that I could not come it to make my payment on my credit line. Under the CARES ACT of 2020, my XX/XX/2020 payment should NOT be marked 30 days late., This is a violation of the law and under the CARES act should not be marked as late. Both XXXX and XXXX have made the updated notation, but Experian is ignoring my requests to update it. see attached report summary

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 2018-09-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is a complaint against XXXX, about an account that was opened without my authorization. I have disputed this account with the credit report, sending the evidence of the identity theft, including the police report and affidavit. When I tried to remove the account through the bureaus I was unable to, I am sending the complaint through the CFPB with all the evidence through fax and email that can be able to be provided. So this account can be removed because it was never authorized and it is fraud. Of course the information matches up. Someone clearly used my information without my authorization. I have provided more than sufficient evidence to get these false accounts removed. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.

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