BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
accounts are opened on my credit without my knowledge Hard inquiries are on my account without my knowledge The employment info is a job I have never had Addresses are listed that I have never resided at, in states I've never lived

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing LLC is unable to provide a payoff request or deed or reconveyance on a HELOC which they did debt forgiveness on XX/XX/XXXX. I started the process to request this on XX/XX/XXXX and Speciliazed Loan Servicing LLC said it would take 30 days to get a response and after 30 days, I have yet to get a written response from them and it is now XX/XX/XXXX. 

Timeline : 1. Specialized Loan Servicing LLC issued a 1099C in XXXX for Acct # XXXX dated XX/XX/XXXX for {>= $1,000,000} for cancellation of debt The loan was for a HELOC on XXXX XXXX XXXX in XXXX CA XXXX. After they issued the 1099C, they should have also completed a Deed of Reconveyance for recordation with the County Recorder and should have sent me a copy. They never did this. 

2. On XX/XX/XXXX, I called customer service # on my 1099C for XXXX. That # is XXXX. 
I spoke with XXXX # XXXX who informed me to send in an email to and provide a handwritten letter stating : " Still showing a lien on property no longer owned and please issue Deed of Reconveyance. I emailed this letter to XXXX as instructed. XXXX informed me it will take 30 days to get a response. 

I emailed them as instructed : a handwritten authorization, the 1099C - XXXX for the Cancellation of Debt, and the preliminary title report showing the forgiven debt still showing as a lien on XXXX XXXX XXXX. 

3. On XXXX, I called again and requested a supervisor call me back. XXXX # XXXX and confirmed they received the email and my letter was acceptable. 

4. On XX/XX/XXXX, I spoke with XXXX # XXXX to get an update and said should ask for CC3 to expedite. 

5. On XX/XX/XXXX, I spoke with XXXX # XXXX in CC3 and asked for a supervisor but they couldn't contact me with a supervisor. 

6. On XX/XX/XXXX, I called CC3 and spoke with XXXX # XXXX for an update and informed file is in archive and will take awhile for a Lien Release and would send an email to that department. I asked if I could speak to that department or get an email backed and I was told no. 

I am asking the Consumer Protection Finance Board to have Specialized Loan Services to issue the Deed of Reconveyance to be recorded with my local County Recorder and provide me with a timeline. 

I am asking the Consumer Protection Finance Board to fine Specialized Loan Services for their incompetence. 

I am asking the Consumer Protection Finance Board to have Specialized Loan Services to provide me with a written update on my request with an executive level contact.

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 2022-02-04
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 


This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Transunion.I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX Date opened XX/XX/XXXX Balance {$16000.00} / XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$100000.00} / XXXX  XXXX Date opened XX/XX/XXXX Balance {$22000.00} / XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} / XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} / XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} / XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX dismissed Filed on XX/XX/XXXX Reference number : XXXX / XXXX XXXX XXXX  discharged Filed on XX/XX/XXXX Reference number : XXXX / XXXX XXXX Inquired on XX/XX/XXXX 2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 disputed this account with XXXX, TransUnion, and XXXX via USPS certified mail. 

I also sent 2 debt validation requests via USPS certified mail to XXXX XXXX XXXX on XX/XX/2022, and XX/XX/2022. XXXX XXXX XXXX ignored my request for debt validation and failed to respond in over 60 days. I dont even have an account with whom they say the original creditor is or a similar dollar amount of {$600.00} on any of my credit reports. This is why I wrote to XXXX XXXX XXXX directly to validate the debt in the first place. 

XXXX completed their investigation and deleted the account from my credit report. 

Both XXXX and TransUnion verified and or updated the account as accurate however they didnt actually verify it and they are continuing to report it on my credit report. By their continuous reporting of an unknown and or unverified account, they are in violation of the FDCPA. 

This is continuing further collection activity which is also a violation of the FDCPA.

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 2023-10-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
There are inquiries on my report that I do not recognize and did not authorize. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may 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 explanation
Consumer complaint received 2022-05-18
Company: Block, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, and XX/XX/2022, I collected payments via credit card for a wedding that we provided service for. The customer decided to dispute the charges, and our processor Square notified me. I immediately replied with a copy of the invoice, contract, terms and conditions, photos, and proof the job was completed. It was my understanding that this documentation was submitted to XXXX XXXX. On XX/XX/2022, I received notification via Square that XXXX XXXX ruled on behalf of the consumer, and I was not provided a reason as to why. I called Square and was told to call XXXX XXXX. XXXX XXXX told me that I can file an appeal and that Square must do so. Square did not do so, and they will not cooperate with me. I am out {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 constantly check my credit report and noticed that there are errors and false misleading information for individuals accounts and didnt meet the credit reporting standards of being XXXX correct. This information has effected my life and XXXX XXXX XXXX 

This is holding me back from getting approved for a house. I am demanding CFPB to enfore the correction and delete these items. I XXXX XXXX is authorizing this investigation.

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 2021-12-23
Company: Sentry Credit, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Sentry Credit claiming I had debt owed to XXXX 's and that they were going to seek a judgment against me. I do not have a XXXX 's account. I called XXXX 's on XX/XX/21 to confirm that no one opened an account in my name or under my SSN. I checked my credit report on XX/XX/21 to confirm no one opened an account under my name or sought do to a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Paypal Holdings, Inc
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
While on holiday around the XXXX of XX/XX/XXXX I noticed some fraudulent transactions occuring on my payroll card ( Which i had never received ) on the dates of the XXXX to the XXXX of XX/XX/XXXX. I found out how to submit a fraud claim when i arrive home from vacation on the XXXX of XX/XX/XXXX and immediately Submitted a claim and the appropriate forms. 

On not receiving any feedback for a few weeks, I began to make a phone call to the Paypal and other financial service providers they would point me to. I was routinely told that I had been mailed correspondence and each time i protested the use of regular mail, As I do not trust regular mail. 

After a few weeks of these routine phone calls, around the middle of XXXX, I was informed during a call that a cheque had been mailed to me via regular mail. On reiterating my concerns with regular mail and my readiness to incur additional charges to use a service like XXXX, I was informed that that would be arranged when the XXXX either expired or was claimed. 

It has now been more than 5 months and I have yet to receive any mail or correspondence regarding my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX there was a wire transfer to XXXX XXXX in XXXX for {$8500.00}. I did not allow this wire transfer to happen. This money was taken from me without my consent. I dont know this person and I dont know who could have done this. I am banking with Chase and they havent followed up with me or told me of what theyve been doing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-21
Company: EQUIFAX, INC.
State: MS
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:
The following companies accessed my credit report without my permission or knowledge : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX I reached out to each company listed above and was told to contact the credit bureaus to file disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit 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:
I was fraudulently charged for a XXXX  mattress which every mattress has serial numbers this mattress is flat as a pancake without serial numbers to prove this is a XXXX  mattress

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 2023-12-06
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX of XXXX, I received notice from Nelnet that my loans were paid in full. The statute of limitations in South Carolina is 6-8 years for reporting loans. This loan far exceeds that. In the last complaint file the company responded with I exceeded poverty level in XXXX of XXXX, yet I have letters from them in XXXX of XXXX that state otherwise. Also, account numbers have been changed multiple times. Company can not provide with me a copy of the contract that was signed. Company has received the funds in full, but changed the account number to try and argue that no funds were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Today I received a phone call from from Truist XXXX XXXX department saying that they didnt receive the documents that I signed back on XX/XX/23. I spoke to the notary and also confirmed that the documents were sent back to the notary signing company. Additionally I have received mailings in the mail that show the modification agreement and XXXX mortgage had been recorded. The Rep on the phone refused to contact the department on the phone with me to give them the information that I had. the rep also tried to trap me for saying I refused to sign the documents again when XXXX reminder her that they had been signed and recorded. I advised the rep I would be willing to sign documents after she figured out where they were. I asked the rep to speak to her supervisor and she said it would be XXXX hours before that occurred. XXXX XXXX the rep appeared to not fully understand what was going on.

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 2021-09-04
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, Im contacting you about the company LVNV Funding XXXX XXXX XXXX XXXX, SC XXXX. 

They are inaccurately reporting information to the credit bureaus and are continuously adding fees that is showing up on my credit report.

This is deemed as derogatory and ILLEGAL!! They have NOT sent me any information whatsoever that they are not licensed to collect in the State Of California. They have not validated this debt with me with no signatures on any letters. It is illegal for debt collectors to charge fees that the consumer never agreed upon or even made. This a very serious violation of the Fair Credit Reporting Act. They have violated my rights as a consumer and I am requesting this be removed from ALL 3-credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: GOLDMAN SACHS BANK USA
State: IL
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:
Company is claiming to be creditors. I found this mistake in the Card Agreement. Stating that " This Agreement is entered into between you and us in the State of Utah and " WE EXTEND CREDIT TO YOU '' from Utah. '' I am going to need proof of HOW they are creditors. How can they be a creditor AND a debtor? Where is my finance charge? If they are creditors, that would mean I myself the consumer, provided a finance charge. Here is the definition of a creditor by law.

Creditor- ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter.

They are in violation of 15 U.S. Code 1692e - False or misleading representations. Also they are in violation of 15 U.S. Code 1611- Criminal liability for willful and knowing violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
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: Account status incorrect

Complaint:
On numerous occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I reached out to the credit bureaus and company in charge of this account to get it removed for one XXXX  reporting this account and to remove it due to XXXX  purposes. This account along with its debt does not belong to me or was not authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: NV
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:
In 2020 I disputed incorrect names and or address that appeared on my credit report with Experian, XXXX and XXXX while I was in the process of a home purchase. After careful review of my personal information it appears that Experian has neglected to update my information incorrect addresses Incorrect social security numbers I tried to dispute this with them again recently and they informed me that they could not remove it

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 2021-08-21
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:
I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

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