BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2019-08-06
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
contacted this company to freeze consumer file, they say they can not due so If they are govern by the FRCA they are required to do so, spoke with them XX/XX/19 @ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: GOLDMAN SACHS BANK USA
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a card payment on a Thursday via ACH. It cleared my bank the next day. Checked card it had not cleared the payment. Decided to wait until after the weekend. Wednesday the balance still had not been reduced. I called in the first person told me they couldn't apply the payment. I asked for an escalation. Happy to provide proof that the payment had cleared. They stated they knew it had cleared, but that I would need to wait an additional six days for it to clear because I had added a new account. This was in no way stated while adding the new account nor when making the payment. I inquired if I would be credited for the interest they would be earning on my money. I was informed I would not. So I closed the account. Extremely poor communication and customer service. I've spent ten years in the industry and that is some of the worst policy making I've ever seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: MD
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 recently disputed negative items on my credit report and I didn't receive any response.

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 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Transunion reporting multiple inaccuracies on my credit report such as unauthorized inquiries and inaccurate late payments ive submitted multiple complaints asking for it to be investigated and corrected without sucess

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 2023-09-06
Company: U.S. BANCORP
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
After being unable to complete a purchase with my US Bank 's debit card, I phoned US Bank to resolve the issue and was informed that the Bank had closed my accounts on XX/XX/2022. 
The customer service representative stated that our deposits would be returned to us as a cashier check mailed to our home. 
We did receive a cashier 's check in the amount of {$110.00} a week later but have yet to receive the deposit back from our US checking account ( the amount of {$1000.00} ). I have made multiple phone calls to US Bank and have received promises to send payment and still have not received satisfaction. As an elderly person on a fixed income, {$1000.00} to be taken away from my ability to pay my bills is a major hurdle to overcome.

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 2022-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Starting in XXXX of 2022 I received my Capital One/Walmart credit card statement with my full balance payment plus additional charges made via an online purchase for grocery items on XXXX separate dates for @ {$800.00} after the date of my last purchase and full account balance payment. These fraud charges were made for items to be picked up at a Walmart location in the State of Florida. After seeing these fraud charges I contacted Capital One Credit Fraud Department and reported the theft to a rep in the Fraud division. After reviewing the card activity the Rep instructed me to not make any payments to the account and that this would be resolved. He also went on to state there would be a revised statement sent to me with the theft charges dismissed. I later received a statement from Capital One /Walmart with these fraud charges still on my account with additional late payment fees. For the record the fraud orders for the groceries made on the XXXX separate dates where each cancelled. There was no exchange of merchandise made on either bogus orders. During the previous XXXX months I have on numerous occasions contacted Walmart and Capital One Reps to resolve this issue and each time had to explain in detail my hacked account. Capital One has been nothing but short of impossible to fix this and even implied that I made these charges. I cancelled my account with Walmart/Capital One and will not be doing business with either again. After XXXX plus years as a loyal customer and never a late payment there can be no words to describe how these business practices are allowed. There should be criminal charges investigated related to this event.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The complaint is against XXXX XXXX XXXX. They take interest out of extra principal applied each month. I called in to correct it and was told that customers have to call in to correct it each time. My question to them was why should a customer have to call you each time? 2nd- what if I never called you? I want to know if a customer never calls you about extra money sent for principal- what happens to the interest you deducted? Does Kia keep it if I never call you? I think their current system promotes loan fraud and should be investigated. I contacted them XXXX18 and they could not answer my questions. They did say they would correct my payments, but I have not seen that applied. I need to know what the ETA is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX CARD, XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: IN
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:
I have sent multiple certified letters to Experian with 2 forms of ID ( US passport and Indiana drivers license ). Requesting my personal information be corrected.. Spelling of my name, address updated along with phone numbers.. Experian has failed to do this.. Letters were sent on XX/XX/XXXX ( signed for on XX/XX/XXXX attached ) XX/XX/XXXX ( signed for XX/XX/XXXX attached ) and again on XX/XX/XXXX ( signed for on XX/XX/XXXX ). Multiple calls were made between XX/XX/XXXX thru XX/XX/XXXX, requesting this information be updated.. After multiple calls I was told that this information, my personal information would not be updated. I have provided Experian with my proper identification showing my current name ( legal name and current address and yet they still refuse to update the incorrect information on my personal credit report.

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 2020-02-08
Company: Paypal Holdings, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a debt to PayPal due to a charge that was fraudulent. There was much back and forth between paypal and myself however they did not side with me in this dispute and sent my account to collections, I paid the collection agency and all was resolved. I heard nothing for many months and I just received and email from XXXX XXXX   stating that I owe the full amount and that Im obligated to pay 50 % at a sum of {$130.00} instead of the full {$260.00}. I have already paid off this debt and can assure that nothing is owed, however Im still receiving emails but no response from the company to show proof of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and / or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all my information related in this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Starting in XX/XX/2017, XXXX XXXX XXXX at ( XXXX ) XXXX started calling me multiple times a day using threatening verbiage in their calls, sending certified letters, etc. I believe they have contracted with the people at XXXX XXXX ( which isn't the company 's real name and they refuse to give it to me ) at ( XXXX ) XXXX to further harass and threaten me. 

XXXX XXXX XXXX and XXXX XXXX are not the original creditor-XXXX XXXX is. XXXX  XXXX is the only organization that I have to deal with. This wasn't even for a real school-only a coding boot camp.

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 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 XXXX XXXX : Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name XXXX XXXX XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX  : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account # : 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 non-monetary relief
Consumer complaint received 2021-04-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was sent a XXXX  payment which is linked to my TD bank account. The funds were posted as available balance. I used some of the funds and was hit with a few overdraft fees. When I called rep, he emailed his manager to have it reversed because system wouldn't let him. They have done this repeatedly. The rep said this is an unfair tactic because why post the money into account if it isnt available and is " pending '' I have the call recorded. 

I have a couple of business and personal accounts with different banks. TD is the only bank who does something like this and gets away with it. When money is sent via XXXX. Its not reversible so its deemed YOUR MONEY and no OTHER BANK puts it in pending status and makes it available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX, my wife and I went to a Realtor named XXXX XXXX in XXXX Ca., they told us we were getting a loan agreement with a fixed interest rate, it ended up being an ARM, it is still going up today, this was and is a XXXX  loan through XXXX XXXX {$1500.00} to {$2600.00} today. 
My wife died in XXXX and then the recession hit in XXXX. I need a new loan with fixed interest rate. 
Ocwen has my loan now. 
Additionally there is a balloon payment of {$94000.00} due on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The incorrect information has not been corrected and they have been violating my rights for over 6 yrs. 

XXXX Showing both accounts ( Paid As Agreed Never Late ) PAANL Requesting EquiFax & XXXX to correct the status : EquiFax reporting incorrect information XXXX Dealer Services Acct # XXXX XXXX reporting incorrect information ( 30 Days Late ) 1XXXX XXXX XXXX Services Acct # XXXX XXXX XXXX XXXX Mortgage ( 120+ Days Late ) Acct # XXXX 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This was not done : I did not receive any such letter and all my attempts to remove this inaccurate information have been hurting my ability to get qualified credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: AFNI INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First, I never received any correspondence from AFNI , Inc., XXXX XXXX. A strong presumption of receipt applies when notice is sent by certified mail, because it creates actual evidence of delivery in the form of a receipt. XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX   XXXX.XX/XX/XXXX ) ( emphasis added ). A weaker presumption arises where delivery is sent via regular mail, for which no receipt, or other proof of delivery, is generated. Id. In the absence of actual proof of delivery, receipt can be proven circumstantially by introducing evidence of business practices or office customs pertaining to mail. United States XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). This evidence may be in the form of a sworn statement. Id. at XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX.XX/XX/XXXX ) ( a sworn statement is credible evidence of mailing for the purposes of the mailbox rule. ). However, because the presumption is weak where proof of receipt is attempted solely by circumstantial evidence, we require the affiant to have personal knowledge of the procedures in place at the time of the mailing. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX  XXXX. XX/XX/XXXX). 
The use of certified mail gets the benefit of the presumption only as long as the return receipt is presented. 
See, e.g., XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Az.XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have mailed a dispute to the credit bureaus 45 days ago and have not received a response. Not a letter nor an email in regards to my dispute. I am a victim of identity theft. I have provided my FTC reports. According to FCRA, within 30 days after receiving my dispute the credit bureau is responsible to resolve the dispute. They are now in violation of the FCRA for not responding in a reasonable timeframe.

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 2023-11-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently acquired my credit report and discovered that I have become a victim of identity theft. As I am currently in the midst of purchasing a home for my family, I am deeply dismayed by this unfortunate situation. It has had a detrimental impact on me. I kindly request the swift removal of these deceitful accounts from my credit report

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 2023-09-06
Company: Caliber Home Loans, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation