BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: PACIFIC CAPITAL EXCHANGE
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I get a call from XXXX XXXX to call oakdale portfolio management something about paperwork for me to sign. That never came it was supposed to come between XXXX today. This company dont know XXXX XXXX XXXX but he sure knew them he calls from private number. He gives number to call XXXX XXXX the other number to oak dale is XXXX ( XXXX ) XXXX. I spoke to XXXX with oakdale today he was rude and antagonistic and aggressive. I hung up on him at first to call original creditor lendly and then got referred to XXXX XXXX they referred me to oakdale. Well I call XXXX back after verifying that. He asks about notices sent to me dont recall anything by mail, and he dont know nothing of this XXXX server no show guy but XXXX sure knows them. XXXX demanded immediate payment by debit card and he would send paperwork to stop next step in process what that is they dont know maybe wage garnishment anything really depending on law. With out immediate debit card and signature on some e docs right that second they will consider me not willing to resolve the account ( despite me telling them I was busy and couldnt get them that info right that second ). I think I received something from united maybe but not this oakdale place. Oakdale wouldnt send me payment plan paperwork with out debit card up front. They asked who I bank with same bank as when I got the lendly account XXXX snarked back thats surprising. Also according to XXXX if I kept track with my creditor or something like that this wouldnt happen ( after i informed about seeing if it was a scam ). XXXX was upset and loud and nasty and sounded mad about me hanging up on him earlier to check to see if this was legit he kept being obnoxious repeatedly oh its not a scam we got your info ( ya scammers can get that ). I told them because they didnt want to give much info. Kept demanding immediate payment and signature on e docs after getting my debit card first that maybe I should look at a lawyer or file complaint with ftc he hollered what lawyer I said maybe Ill look at getting one or filing with ftc he immediately disconnected. 


XXXX number ( XXXX ) XXXX XXXX portfolio number XXXX The number to XXXX and the oakdale office is in report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have asked to have addresses removed from my credit report because I have never lived there and I just had a background check and found that the addresses are still on my report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

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 2020-09-29
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was promised by a VP at US Bank on XX/XX/20 that they would remove the negative entry and they did not do so. Please see the email they sent me below. 
XXXX Hello XXXX the Credit Bureau Negative Entry removal was submitted on XX/XX/20 by our cardmember services team and has a case # of XXXX. Please feel free to connect if you need anything else or do not see any movement on the Credit Bureau by XX/XX/20. 

Thanks! 

XXXX XXXX XXXX Vice President | District Manager | XXXX XXXX XXXX XXXX | XXXX U.S. Bank XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX | XXXX | usbank.com

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 2022-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We had a Mortgage Audit done around XX/XX/XXXX XXXX have already sent out the information to the parties involved but we are in disagreement as to who has access to the Note under the REAL Property Status recorded in our name XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Pursuant to the XXXX XXXX Supreme Court 's decision in XXXX XXXX Countrywide XXXX XXXX ( XXXX ), 135 S.Ct.790, TILA gives me, as a borrower, the right to rescind the subject loan until midnight of the third business day following the consummation of the transaction or the delivery of the disclosures required under TILA. I am hereby notifying you, as the creditor, of my intention to do so as you and/or your predecessors have failed to satisfy the TILA disclosure requirements, including but not limited to delivery of a written document to me explaining my rights at the time of the transaction. Therefore it my right to Request a NOTICE OF RIGHT TO CANCEL. 
SEE DOCUMENT PRESENTED IN THIS LETTER

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 2021-07-12
Company: Experian Information Solutions 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 information incorrect

Complaint:
I purchased a new vechle in XX/XX/2019, making on time and additional monthly payments. Confirmed with lender and states every end of the month correct balance and payments with the current amount due is reported. However experian has not been reporting that account information preventing my credit score increase due to debt decreasing. Every 4 months the account is being updated with past account information. My score should have and would have been increasing if the accurate account information was being reported correctly. If information is incorrect by law it should be removed if experian can not verify the information correctly. I contacted the lender and complained because I am a XXXX veteran and my rights are being violated while recovering from injuries and this issue is creating a hardship. I should not have to submit accurate documents for the account to be updated months later. When I disbute, experian is by law supposed to report accurate information and if not verify with the lender within the time frame allowed before it is removed by law. Not report inaccurate information causing me to disbute every month because the verified or non reported information is still inaccurate. It's been to many years of inaccuracies reporting and experian refusing to verify or remove the information. Since my complaint I have been getting updates However if my accounts have been inaccurate and obviously not verified because the current account information is still inaccurate, that states it is not being verified correctly by law. I shouldn't have to pay a 3rd party to correct information reporting on my credit file because I lack a letter or status of job title. I am not asking for anything but what the law states I have rights to and that is accurate reporting information in a timely matter as negative reporting is not missed for any month, which shows improper tactics preventing score increases.

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 2021-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Two years ago I purchased a new XXXX from XXXX, the company moved me to a new phone number and phone plan as a result of my financing the new phone through their company. As a result, they indicated that my old phone number and pre-paid plan could not be used and that they would close both the number and plan - I also turned in my old phone for recycling at this time. They did not however suspend/close this old plan and continued to charge me {$61.00} over the past two years. This is IN ADDITION to charging me for the cost of my current phone plan, which included the cost to the phone. Therefore, XXXX has been charging me for 2 phone plans a month, for two years, one of which they were responsible for terminating. They owe me over {$1500.00} for these charges. I called them and they said they will only reimbuse me for the past 6 months as they can see/prove that the plan/phone number was not used. I want to reimburse for the full two years. My bank, Capital One, said that too much has time has passed to pursue an investigation or open a case to dispute the charges. This is a lot of moneyXXXX XXXX has no way of looking in their system to see and verify that I indeed only use one of the two plans they have been charging me for over the past two years and to rightly/morally take action to reimburse for the plan I have clearly not used because they as a company made me switch plans and phone numbers and thereby assumed to responsibility of shutting down my only plan and moving to my new one?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I recently received a copy of my credit report that your company publishes and after reviewing it i found a number of items on the report that are inaccurate. 
The accounts are listed below : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to ma all of the documents that you have recorded and retained in your file of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

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 2023-04-27
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: Old information reappears or never goes away

Complaint:
Dear TRANSUNION, I am writing to dispute the inclusion of several hard inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681-B, consumer reports can only be provided for permissible purposes, such as an extension of credit. However, these hard inquiries do not appear to fall under any permissible purpose, as they were never involved in any extension of credit. 
I would like to request that you remove these hard inquiries from my credit report, as they were not authorized by me and were not related to any credit transaction. The inclusion of these inquiries is having a negative impact on my credit score, and I believe it is unfair and inaccurate.

I understand that under the FCRA, consumer reporting agencies must investigate and respond to disputes within 30 days. I request that you promptly investigate this dispute and remove the hard inquiries from my credit report. 
Thank you for your attention to this matter. 
Sincerely, 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 2022-10-27
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have literally XXXX numbers that I have tried to contact in regards to my loan and receiving a default payment letter it states it wants you to go online and submit a request for and appointment its not allowing me that option stating how I can reset my code so I complete that process its been over XXXX hrs I need to get in contact with someone because this problem has to be corrected at my school in a timely manner or I wont be able to continue my education

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
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: Investigation took more than 30 days

Complaint:
XXXX  has not resolved my disputes and it has been over 30 days. 
TranUnion is showing resolved with no supporting information and they have not contacted me via Mail. 
XXXX  is a duplicate of the above issues. 

Al 3 companies have names that I have never used and addresses that I have never lived at.

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 2020-09-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Equifax should not be reporting that I am ( 120 ) days late on XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: EQUIFAX, 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 have disputed this account several times for reporting inaccurate information, illegally re-aging this account every month, not providing proof that this account is mine, and causing harm to my over all credit. 

1. ) They have never proved paper work with my wet signature or any paper work proving that this account is mine.

2. ) Every month the date of last activity and report date is being re-aged and made made to be the most recent month 3.The open date does not match across all 3 credit bureaus 4. ) Equifax is reporting a closed collection account as open and the status as 120 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I previously submitted a complaint with cfbd about regional acceptance reporting wrong information which is considered fraud. I received a response from regional acceptance with documents that support my complaint. I sent a debt validation letter to this company I received a balance statement. No where in the statement is the amount thats being reported. I asked for my debt to be VALIDATED not VERIFIED.

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 2019-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called Capital One customer service on or about XX/XX/XXXX and made a request to change my payment due date from the XX/XX/XXXX of each month to the XX/XX/XXXX. The representative informed me that my request was approved and that it would take up to 1-2 billing cycles before the payment date would change. I was advised by the representative to continue to make payments on my current due date until I see the new due date reflected on my card statement. I made my next payment on XX/XX/XXXX as  instructed. Then on XX/XX/XXXX I received an email notification from Capital One that my statement was ready and was over the limit. I then received notification from XXXX XXXX that there was a substantial decrease in my credit scores. I never received any notification on my statement since making the initial request that the date had been changed as Capital One promised I would. I had charged the card up to the limit and had plans to make a substantial payment on XX/XX/XXXX that wouldve prevented any negative impact to my credit score. Capital One charged a late payment fee and my normal interest which took me over my limit. I was making plans to try to get a business loan and due to Capital Ones negligence I do not meet the minimum score requirement anymore! I am furious and when I contacted them to inform them of what had occurred I was accused by their customer service representative of being negligent for charging my card account too close to the limit! The nerve! I was granted that limit and can charge up to within XXXX XXXX of that limit as long as I do not breach it and make at least the minimum payment as instructed by the card company on my scheduled due date! This was insult to injury and inconsiderate to me as the customer who is expressing that damages where suffered due to the lack of notification provided by Capital One. To make matters worse my wife is an authorized user and her credit saw a substantial negative impact as well! I escalated the call and after an unfortunate amount of back and forth a supervisor removed the late payment fee but no other action was taken. I was advised that I could write a letter, not speak with someone but write a letter. Not email a department but WRITE A LETTER to dispute the issue! It would take 30+ days plus 7+ days mailing time to even receive a response!! So the burden is mine to prove the obvious?! On top of that I have to be subjected to their antiquated disputes process! It didnt take a written letter and more than a month for them to offer and extend me credit so now that theres an issue the process is slow and difficult in an effort to deter cardholders from moving forward. Im terribly disgusted with this company and their lack of regard for their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

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