BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My name is XXXX XXXX, I am XXXX and can not go to the branch directly. I am authorized by my son to help me open a capitol one saving account online, together with my wife. Since we are planning to put our retirement savings into the Capitol One savings. However the Capitol one is giving us a really hard time for us to access the opened account by verifying the mobile phone, which belonged to our son and we don't have it under our name. Since we can not access the online account I told my son to call Capitol One to close my account since I don't want to have a relationship with them. But Capitol one told my son I should go to the branch in person to close it, which is impossible for me to do. If I know Capitol one is so hard to deal with I will never ask my son to help me open it online. Now I just want my account in Capitol one to be closed and I don't want further relationship with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/2019 I made an online payment from XXXX XXXX bank to MyLoanCare. The records online showed that the payment went through, however I found out on XX/XX/XXXX that the payment did not go through. I transferred some other funds XXXX XXXX to another mortgage because I thought that the payment for MyLoancare had already gone through. However since the funds were below by {$50.00} the payment had not gone through. I spoke to them on XX/XX/XXXX to see if there were any issues and I was not told about the NSF ( insufficient funds fee ) but then on XX/XX/XXXX I see there was a {$25.00} fee charged. 
I politely asked to see if this fee can be reversed as I was paying additional amount and that I had not been behind on my payments ever. However I was told that they would not reverse this charge. 
I politely asked to speak to a supervisor and they said the supervisor will also say no and I never got to speak to supervisor. I was just told the answer is no. 
I dont feel that I should be charged {$25.00} dollars because of a bank error in regards to transfer of funds. The online payment system for Myloancare is never updated and it kept showing that the funds had transferred and the site was never updated until XX/XX/XXXX. I had even called to see if there were any issues with the payment and I was told that they payment had gone through. Because of their misinformation the insufficient funds issue arose. However I have to bear the fees, the amount is small but I am more upset with the way they treat a customer that has always paid on time and that they do not take responsibility for their mistakes and failure to update their website and account information shown on their website when I log in to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions 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 information incorrect

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION 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 non-monetary relief
Consumer complaint received 2021-03-18
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 previously asked this company for a investigation and asked this company to provide me with proof that investigation was preform this company filed to provide me with either when i called and asked how is this possible I was told to simply submit another dispute and i thought they have 45 to 60 day dispute process for a reason i have numerous receipt to company 's asking to remove the accounts that don't belong to me. I also submit certified receipts for investigation with no respond. I provide my identification card and social security card as proof of my identity and FTC report and I also made police report and receive a report number. Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A lot of hard inquiries i didnt agree to

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 2023-12-05
Company: Experian Information Solutions Inc.
State: NY
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:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 
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

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I recently viewed my consumer report and was aware that there are several accouns that are not reporting accurately. I'm request this accounts that I have listed be removed from all my consumer reports to prevent further litagations. I did not consent to any ofthe informtion to be reported which is a viloation. 

XXXX XXXX XXXX Account 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

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 2021-10-08
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I obtained a home equity line from XXXX, then SunTrust, now Truist in XXXX. It was paid off in XXXX BUT XXXX never removed the lien from my home.We have been requesting a satisfaction of lien and a paid in full letter since XX/XX/XXXX. I am scheduled to close on the sale of that home on XX/XX/XXXX, so my need is urgent at this point. 

Confirmation # xxx was opened back on XX/XX/XXXX. My title company and I have been told that it was researched, completed and closed with a satisfaction of mortgage mailed to the court of clerks in my county for recording with a copy sent to the property address. BUT, neither the court of clerk nor I have received the items that SunTrust says that they mailed. 

So, new confirmation # xxx was opened requesting that a paid-in-full letter be faxed or emailed to my title company so that the sale of my home could occur as scheduled on XX/XX/XXXX. The case was supposedly escalated, but the bank is still showing it open as of yesterday 's close of business ( XX/XX/XXXX ). I was told that there shouldn't be a problem sending the paid-in-full letter since the matter was already researched and a satisfaction issued- even though it's been lost. AND they've confirmed that nothing is owed to them under either my SSN or the property address. 

Then, on XX/XX/XXXX, SunTrust opened another new confirmation # xxx and escalated it since the 2nd confirmation had not been completed. It is still open also. AND my title company still doesn't have the paid-in-letter. Why can they not send us a copy of the satisfaction completed under the first confirmation # and give us the paid-in-full letter that we desperately need to close? 

This is the worst, most inept customer service I've ever experienced with a bank. We've been promised a paid-in-full letter now too many times to count, yet neither I nor my title company have it. 

They should have released the lien back when the loan was paid off in XXXX. There's absolutely no excuse for them to not have completed this promptly once it was brought to their attention and they've had plenty of time since XX/XX/XXXX. 

I and my title company have literally spent HOURS on the phone with them listening to promises that they never follow through on. I've personally gone into their branches who show me that I don't owe them anything on their computer screens, but say that they can not give me the letter as it has to come from their Mortgage Dept. 

I now just have today ( Friday ) to get the paid-in-full letter so we can close on the XXXX since the XXXX is a bank holiday. I am elderly and desperately need your help. 

I also want others to know how XXXX, BB & T and Truist treat their customers. I would never do business with them again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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 information incorrect

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Tried to get a verification of mortgage and the company reported that I was late 30 days or more seven times in the last twelve months. After thirty hours of phone calls, I still can not get this problem resolved.

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 2021-06-15
Company: LTD Financial Services, L.P.
State: CO
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:
There are 2 separate collection companies attempting to collect on behalf of the same creditor on my credit report. I have attempting to dispute this debt multiple times with the original creditor, prior to the collections phase unsuccessfully as the information is not correct. I have also tried to dispute with the 1st agency that reported a collections record under my name as well as the second agency. Regardless of the fact that the debt information that is being reported is inaccurate. I know that it : duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. I am unable to get help from either the original creditor, the debt collection agencies or the 3 major credit reporting agencies to which I have submitted multiple disputes. Please help me, as each agency has continuously made monthly reporting updates and balance increases. This is illegal collection activity. 

XXXX XXXX - This one was reported first. Both are on behalf of XXXX XXXX XXXX Other Loan Past due : {$5400.00} Collection/ Chargeoff Other Loan LTD FINC SVC Past due : {$3800.00} Collection/ Chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  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 XXXX. I do not understand why they are abusing consumers .This 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and XXXXompleteness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-12-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} ; XXXXXXXX XXXX ( Original XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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: 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 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 2022-12-17
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
On XXXX I received a letter from the bank informing me that a unauthorized charge of {$12000.00} on my store credit card was as I stated a fraudulent transaction and that I was not responsible for the transaction. The bank stated that the findings would be conveyed to four different credit bureaus. But the card issuer did the opposite. They reported me as late to the bureaus, and opened additional accounts transferring charge from one account to another. As a result, I lost XXXX points off my credit score on two of the reporting bureaus. So, I opened a dispute with the three bureaus. One of the three bureaus removed the negative information, but the other two have not. I've done the following with no results : Contacted the card issuer whom promised me that they reported positive information in my favor to the Credit Bureaus. I've filed multiple disputes with two bureaus with evidence/exhibits and applicable laws attached. But the bureaus just close the disputes stating that my file is updated ( one of the bureaus demoted my score by XXXX points as a per the update ).

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 2021-12-01
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
2017 i moved to XXXX Tx XXXX Came back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX things were still being used and delivered item as well to XXXX XXXX XXXX we moved out in XXXX  mid of year XXXX. Had renters then after a few year house was sold in XXXX i have emails were i tryed to find out were new cards were being send no response and of course on phone waiting for atleast 45 minutes to being hung up on XXXX agent informed me that she didnt know why this was not a red flag someone tryed changing my phone number XXXX times. 

XXXX finally gave me this website to inform about this and want a copy of it. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Other collection company is trying to collect on the same ones as well.

Company response to consumer: Closed with explanation