BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not notified of this debit - It just appeared on my credit report. 
Secondly, after further research this medical debit was not handled properly. The Bill is for XXXX I received in a XXXX XXXX, XXXX  procedure. The original Creditor XXXX XXXX XXXX XXXX failed to contact me in regards to my debit. They also failed to file a claim with my medical insurance carrier -XXXX XXXX XXXX XXXX properly XXXX I have contact my Medical Insurance Carrier XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX and they informed me that the claim was not submitted correctly. I contacted Medical Business Burea and XXXX XXXX and with all my phone calls they are still unwilling to resubmit the claim through the correct agency. I dont think it was fair that both parties did not properly due there due diligence before just adding this to my credit report. Which has cost my XXXX points. 

My insurance info : ID # XXXX Group # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The claim can be submitted by called XXXX using # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are XXXX account that show paid off but they show late payments and also shows repossession but pay in full never had late payments nor repossession if it was reposed I would of never paid it off completely it wouldn't be in my possession. 
Please update the payments to paid as agreed and remove that repossession. 
Account info Account name XXXX XXXX XXXX Account number XXXX Payment history guide XXXX  days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX, XXXX XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Repossession as of XX/XX/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 2022-06-03
Company: ALLY FINANCIAL INC.
State: DE
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 have filed numerous disputes regarding this issue with multiple credit bureaus and uploaded documents to the Document Vault of the creditor Ally Financial and faxed documents to them as well. 

My ex-wife and I both signed for an installment loan to purchase a XXXX XXXX XXXX with Ally Financial ( account number is XXXX ). While my wife and I were going through a divorce she totaled the car. Even though she lived in Virginia and was insured with her name only on the policy, her XXXX insurance agent notified me of the accident and informed me that my wife was not answering their phone calls or responding to emails regarding the settling of the claim to pay Ally Bank the insurance payment. 

It was determined that I, alone, could sign the documents to settle the insurance claim with XXXX  and they made a $ XXXX payment in XX/XX/XXXX, to Ally ( Claim number XXXX Loss Date XX/XX/XXXX ). I also took the steps to recover a partial refund of a service contract that we had purchased for the auto and those dollars were also sent to Ally Financial in XX/XX/XXXX. 

When my wife and I settled our divorce, she agreed to pay the remaining balance of the loan. She has not paid this as of today. Not even XXXX dollar. The property and settlement agreement has been approved by the XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX, VA on 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 2018-08-06
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2016 I opened an account with XXXX. After four or five days I switched back to XXXX XXXX XXXX. On XX/XX/2016 I returned both phones to the store and paid the {$35.00} restock fee for each phone. XXXX has turned me into collections for {$1800.00} for the phones. I was not provided a receipt by the clerk at the time I returned the phones. He gave me some reason which I can not remember. I have my bank statement showing each {$35.00} deducted from my account to XXXX on that day. The collection company, Source Receivables Management, will not remove this debt from my credit report. I have spoken to management at the store who have told me they can track the phones through the IMEI number, that it has been initiated but it has gone nowhere. Source Receivables will only accept a receipt showing I turned them in. The store has looked in their system and it doesn't exist. I feel like the clerk took the phones leaving me on the hook.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
There is an additional {$60000.00} on my loan. Shellpoint Mortgage is my current servicer and I have never borrowed any money on my mortgage loan ever!! Shellpoint states it was on there before. It is fraudulent because I have never borrowed on this loan. I need to get a leak fixed and new windows at the house and is not able to borrow because that mysterious loan is on my mortgage. I can not receive any help and will never be able to repay my loan. This is a huge deterrent to my homeownership as I can not afford maintenance on my home that I have had since XXXX. This large sum of money will lead to foreclosure unless I can receive help to remove this fraudulent money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/23 I received an email from Capital One for a exclusive higher ESB for being a loyal customer ( I have a checking and savings account at Capital One ). The offer offered {$300.00} ESB instead of the usual {$200.00} for Quicksilver. I applied and was rejected. Why would Capital One email me for a special offer if they were going to just reject me? I had no plans to apply for this until I was solicited and this just seems like a bad way to treat your " loyal '' customers. I have now been rejected from 3 Capital One cards but I literally work at Capital One. The first 2 times it was because I didn't have enough credit history and this time it's because I have too many cards. I'm annoyed that Capital One has docked my credit score 3 times now ... and this time they solicited me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Ten years ago I took out an equity line on my house with TD Bank. It was a no doc interest only loan. I have never been late with a payment to TD or to XXXX which holds my mortgage. In XXXX I decided I need to do a refi because it made no sense to continue paying interest only. My mortgage broker looked at my credit and said that I had really good credit with the exception of being in foreclosure with TD. Unbeknownst to me my loan had ballooned in XXXX. I called TD to find out what was going on and why I had never been contacted. I was told that they had sent one certified letter to an old address that was of course never signed for, they had never attempted to call me, and even had my social security number wrong on some of my documents. I was very upset and let the rep at TD know that they had ruined my credit making it impossible for me to get my home refied, and that I was sure that TD was not in the business of owning homes and that we needed to make the situation right. The rep then informed me that they had done research on my home and that they would actually stand to benefit from taking my home and selling at auction because of all the equity that I have. I then tried to get a loan modification which was turned down. I feel that TD has been predatory and aggressive and had no interest in trying to work with me. The made XXXX effort to contact me and I would not have found out about the foreclosure until the sheriff served papers. Because the loan payments were on automatic withdrawel from my account and a small amount I never noticed that they bank had stopped taking payments. I need help and very much do n't want to lose the home that I have worked so hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My original complaint # XXXX was responded to in writing on XX/XX/2023 indicating that the credit inquiry and account would be DELETED from my credit report at all three bureaus within 30 days. 

I pulled a copy of all 3 of my credit reports through XXXX and they still show the account and inquiry and the account simply shows CLOSED. That is NOT the resolution I was promised back in XXXX. 

Macy 's needs to make this right. They need to do what they promised and at this point they need to provide me some kind of compensation for not doing what they promised. 

This was an illegal pull of my consumer report and their employee not once, not twice, but THREE times assured me that they were reinstating an old account and that NO hard pull to my credit report would be made. I had a friend with me at the time who can testify to the same. I am outraged that a company the size of Macy 's has had 5 months now to get this rectified and has not done so.

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 monetary relief
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account with my written instructions.

15 U.S.C 1681e ( b ) and 15 U.S. Code1681i ( 5 ) This account in violation is not reporting 100 % accurate it lists the child support court as the furnisher that is forgery and misleading when the courts do not report this type of 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 non-monetary relief
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: NV
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 SEVERAL HARD INQURIES THAT ARE ON MY REPORT THAT DID NOT ASK FOR OR APPROVE 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 explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, 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 sent a dispute letter against the Credit Bureaus on XX/XX/2022, and awaited their response, 30 days passed and the Credit Bureaus failed to respond to my dispute letters. Once again, I sent another Dispute letter on XX/XX/2022, to folow up the Credit Bureaus. Both dispute letters request the correction of my Credit File by correcting the disputed accounts or removing those that are not erroneous. Under the Fair Credit reporting Act, the Credit Bureaus are obligated to finish their investigation within the time allowed by law, which is 30 days. More than 30 have passed since my first dispute letter was sent and yet the Credit Bureaus have sent me nothing! I am now submitting this CFPB complaint to inform the Credit Bureaus that I am willing to file lawsuit against the Credit Bureaus in the event they do not comply with the Federal law. Once again, I am requesting that the Credit Bureaus correct, update, and or remove the disputed accounts that are reporting erroneous information on my Credit File : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 SEVERAL HARD INQURIES THAT ARE ON MY REPORT THAT DID NOT ASK FOR OR APPROVE 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 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: TX
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX. XXXX XXXX WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 120 DAYS PAST DUE AND IS ENTITLED TO DISCHARGE. 

XXXX. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT LAST PAYMENT WAS MADE XX/XX/2023 WHICH MEANS THE DEBTS 240 PAST DUE AND IS DEEMED NON-COLLECTABLE AND ENTITLED TO DISCHARGE. 

XXXX. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 2023-05-09
Company: Experian Information Solutions Inc.
State: UT
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:
XXXXXXXX XXXX XXXXXXXX Reported XXXX late payments in XXXX  for this Education ( Student Loan ) account but, per the Federal Government ( 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 ) there were no student loan payments due in all of XXXX, making these XXXX late payments on my credit report not only inaccurate but impossible. They have declined to correct this error a total of XXXX times now, XXXX  through XXXX & XXXX  through Experian disputes. 

Incorrect payments reported as XXXX  days late XX/XX/2022 & XXXX  days late XX/XX/2022. No 30 day report is included which is also INCONSISTENT.

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 2023-09-20
Company: PENTAGON FEDERAL CREDIT UNION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX XXXX XXXX, I used PenFed Credit Union points to make a reservation from XXXX through XXXX to XXXX. 

PenFed chose to use their code sharing relationship with XXXX XXXX to book with XXXX XXXX XXXX XXXX. In addition to the points, I paid additional fees of {$39.00} using my Pen Fed Card. On my PenFed bill, that charge appears as XXXX XXXX XXXX. Note that the reservation notice sent to me by PenFed on XX/XX/XXXX, shows that the charge for {$39.00} was paid to XXXX XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX cancelled the original flight to XXXX and rescheduled the flight through XXXX. I had to pay additional fees. The fees I paid ( {$35.00} and {$97.00} ) to accept that change were also processed through my Pen Fed Card and paid to the aforementioned XXXX XXXX and to XXXX XXXX. 

On XX/XX/XXXX, I received a text from XXXX XXXX telling me the originating flight was cancelled. A follow-up call to XXXX revealed that XXXX XXXX was no longer offering that flight and no other arrangements could be made through them that would get me to XXXX in time to make my connection. 

As is my right when an airline cancels a flight for their internal reasons, I chose to cancel my reservation. 

I contacted PenFed through its agent ( identified in email as XXXX XXXX ). My points were restored, and I received an email on XX/XX/XXXX, asking me to provide EFT information so they could send me the funds due me. 

XXXX XXXX operates as a subsidiary as one or more of the following 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 Its now a month later and more than XXXX months since XXXX cancelled my flights and I requested a refund from PenFed. 

All of the agents operating in this matter were doing so under the aegis of PenFed rewards. Its time for PenFed to accept responsibility and refund my money.

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 monetary relief