BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: Velocity Portfolio Group
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: Old information reappears or never goes away

Complaint:
Account appears on customers credit profile twice. I have reached out to both CKS Prime Investments , LLC XXXX XXXX XXXX XXXX XXXX 
CKS PRIME INVESTMENTS , LLC Account Information Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX XXXX Date Updated XX/XX/XXXX High Balance {$760.00} Original Creditor XXXX XXXX XXXXXXXX XXXX Past Due {$760.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR XXXX XXXX XXXX XXXX Account XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Sold ; was Charged-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$490.00} from XX/XX/XXXX to XX/XX/XXXX ; {$760.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX ; {$500.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed 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 explanation
Consumer complaint received 2022-11-02
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-05-30
Company: Experian Information Solutions Inc.
State: NY
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 sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$620.00}

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 2022-05-30
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:
I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$6100.00} XXXX XXXXXXXX Balance : {$5700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am with Pennymac Loan Servicing. I received a notification that my home was going to be foreclosed on XX/XX/2021. I checked my bank account and all payments had been made. I called Pennymac and they ask me if there was a special reason why I made my XXXX payment on a Friday. I responded that the payment was due on a weekend so I made it early. I was then told that because it came early and was short it went to principle. They said that there was an escrow analysis completed in XXXX and that my payment went up. I let them know that I never received a notice of the payment increase and I was told that it was uploaded into my online account, which I have never used. They then told me that my XXXX payment was also short and that payment was placed into suspense. When I asked how short I was they told that both payments together were short {$33.00}. They put me into foreclosure for {$22.00}, I could not believe it. They did tell me that I had two late payment fee reversals that I could use to waive the two late payments. Nice of them considering I have two loans with Pennymac for over 15 years. 

My XXXX payment was made before I could I could change the automatic payment amount from my bank so I went to the Pennymac website and made a payment for the difference. I received a notice from Pennymac that my additional payment was return by my financial institution and they put me back in collections for the {$11.00} I still owe. I called my Bank, XXXX  XXXX XXXX, and they commented that no payment had been returned. So now I am on the phone again with collections for {$33.00}, there systems are down so they told me I have to call back. I told them I was going to notify the CFPB and guess what they called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 received an email from XXXX XXXX  that I have a new hard inquiry that I don't recognize from XXXX XXXX ( 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 explanation
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
As a consumer of the United States, I sent Trans Union a formal complaint about inaccurate and fraudulent information on my credit report that does not belong to me. I specifically listed their failure to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish. I also informed them that it is their responsibility to report only 100 % accurate information. I asked for a reinvestigation on 6 accounts. According to the FCRA, section 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demanded to see verifiable proof ( original consumer contract with my signature ) for the accounts listed below. I also let them know that I have been hindered in obtaining credit because of these inaccurate fraudulent accounts and under the FCRA, the accounts must be removed. Accounts to be removed immediately. XXXX XXXX XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX, XXXX XXXX : XXXX .They have not complied with the law or furnished any documentation with my signature as proof that these items belong to me. Delete this negative information from my consumer 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 2021-07-13
Company: National Credit Systems,Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation under the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation. I WANT TO EDUCATE THE COMPANY THAT A CONTRACT OR ITEMIZED BILL/ STATEMENTS IS NOT A METHOD OF VERIFICATION AND PURSUANT TO 15 USC 1692G I AM THE ORIGINAL CREDITOR SO ONLY I CAN VALIDATE THIS ALLEGED DEBT AND I DONT VALIDATE THIS ALLEGED DEBT SO I NEED THIS ALLEGED DEBT REMOVED FROM MY CREDIT REPORT IMMEDIATELY OR I CAN SEEK MONETARY RELIEF FAILURE TO PAY WILL RESULT IN US JUST SETTLING THIS OUT IN COURT I HAVE THE LAW ON MY SIDE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Self Financial 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:
XXXX XXXX builder credit They unlawfully kept my account open after I requested it be closed. I had another account with them that was closed good standing. So when they said I had a balance on credit card I knew straitaway it was fraudulent because I never purchased anything. They also had so many different balances first they said I owed {$17.00} then it went to something I purchased ( I never used card ) and never late my account was supposed to be closed XX/XX/2022 after I realized it was open still. So they did remove the balance I didnt owe because it was fraudulent, but this company still havent removed the inaccurate late reporting on my account which is XXXX  they have me as I was 60 days late never and they were supposed to have my account closed. They also sent me a check of {$47.00} saying I overpaid ( and removed the fraudulent charges but never removed the inaccurate late payment reported on my account. Im requesting that the inaccurate late reporting be removed. I was never late. The account was supposed to be closed. Its closed now. But they need to finish their job and get those late payments off my credit profile or Im seeking a lawsuit against self credit builder. Its sad because its a credit ( secured ) card that is promoted everywhere so you wouldnt think this would happen. Please fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$6100.00} XXXX  XXXX Balance : {$5700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00}

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 2023-04-28
Company: Experian Information Solutions Inc.
State: SC
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 sent notices to each of the credit bureaus indicating that I was a victim of identity theft, and they have failed to correct the issues.

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 2022-05-30
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Right now, I'm not certain that you followed all of the Fair Credit Reporting Act 's criteria when conducting your investigation. This was already included in my prior COMPLAINT Numbers : XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX Balance : {$89.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 received your response Last ( XX/XX/2022 ) that you Close MY COMPLAINT # XXXX, that i sent a on ( XX/XX/2022 ) to Investigate the Innacurate Accounts : XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; .According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.

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 2018-11-25
Company: EQUIFAX, INC.
State: KY
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 have reached out to each bureau six times including my most recent letter XX/XX/18 and before that XX/XX/18. I am a victim of identity theft. I have reached out to each company in question and t hey are unable to validate me by any information I provide them. Not even my social. I have asked them to remove and block these accounts six times and they respond by asking me to verify my identity by sending in proof I am me. I have sent in proof four of six times with no response or them saying its valid with no investigation or proof its valid. When I reached out to companies they said they have no record, notes, etc. they were contacted by anyone to validate outside of myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Capital One Bank locked my entire account ( both my main checking account and several savings accounts ) on XX/XX/. This was under their assumption of suspicious activity. When I contacted them regarding this and provided them with full details on the issue, they said that the account was locked and my case is being investigated. I was asked how long it would take as at that time, my husband and I were preparing for a week long trip to XXXX and had kept all our savings ( emergency funds and short-term savings as well as long-term ) in the Capital One Bank account XXXX They could not provide me with an exact estimate but would roughly take a month to resolve depending on the case complexity. As you can see, over 7 MONTHS have passed and through following up DAILY with customer service on when my accounts will be close and when I would be receiving my close out checks, I have managed to receive most of my funds back. All thanks to me however as I was consonantly following up and having to correct customer representatives as each person was providing me with different information regarding my case and my account. Now, the final account which is my main checking account is still on hold. It carries over {$26000.00} and it has been long overdue for this account to be closed. I have asked the bank several times to RE-SEND the wire transfer that caused all this mess back to the original sender but they refuse to contact them. I am speaking to the original sender every week or so and they have let me know that even they have tried to reach out to Capital Bank via XXXX messaging but Capital One is not responding back. Every time I call customer support, they say they can not do anything until the case is closed and that the original sender needs to ask to re-call the wire transfer. I let Capital One Bank know that they have reached out multiple times asking Capital One Bank to send it back to them but still, no action. I understand if they can not close my account and provide me with these funds due to suspicious activity. But what doesnt make sense is that they refuse to send the money back to its original sender? Why not? They are the ones who sent it to me in the first place. We are both asking Capital One Bank to send back the wire transfer and solve this case once and for all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Incorrect hard inquiries on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-30
Company: Netspend Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I purchased a Netspend Debit card from the XXXX XXXX store in XXXX, VA. I loaded {$250.00} dollars on my card at the time I purchased the card to be able to pay my car payment. After purchasing and loading the card, I was notified by Netspend they will not activate the card due to risk reasons. I was also told i would receive a refund check in 15 days on XX/XX/2022. It is now XX/XX/2022 and I still have not received my refund check. I live on a limited income it is very hard to catch up with Rent and Car Payments when I fall behind. I contacted Netspend 4 times and I still have not received the check.

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 2019-10-28
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I must all pay credits on time because its my responsible important but i lost job even i feel depress. Need help i for job

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 2023-02-05
Company: ALLY FINANCIAL INC.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Never got a 1099 C debt cancelation form from Ally Financial, ask for the involuntary repossession to be removed from my credit reports, XXXX XXXX, XXXX, XXXX. In stead the remark was changed to Customer disagrees on my credit reports. I spoke to Ally advise that due to covid 19 I was unable to make payments on the car, never received 1099 C debt cancelation form after they sold the car, and got paid for it. Asking that this be removed of my 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