BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my XXXX credit card balance in full using the automated phone system in XX/XX/2019. The payment submitted after XXXX and I accrued a late fee. I called the credit card company asking to have the late fee waived because I paid my balance in full and it was only a matter of a minute that it was submitted late. 

The customer service representative was agreeable and assured me that all charges were reversed. She said I might receive a billing statement with the late fee still on it, but to ignore it because my balance was {$0.00}. 

I have continued to receive more billing statements with a late fee due. I called today to inquire as to why I am still being billed a late fee on a {$0.00} balance. The representative said I had incurred a minimum interest charge due to my late fee. I stated " How can I incur a minimum interest charge on a {$0.00} balance? ". The representative stated " There was a minimum interest charge from my XXXX bill that carried over. '' I again stated " How is that possible to be charged anything on a {$0.00} bill? '' I explained that I had paid my balance in full and the other charges were reversed. The representative stood behind the fees being charged which are now over {$55.00} to date. I thanked the representative for her time and informed her that I would be filing a complaint due to such dishonest credit card practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-26
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:
This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX  automated responses. No real investigation was conducted after my initial dispute. 

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act. The name below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name- XXXX XXXX XXXX. They have 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 2021-11-19
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

add it to my report. Your cooperation would be GREATLY appreciated. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX LLC Account Number : XXXX This is not mine. 

4. Identity Theft SUNTRUST BANK Account Number : XXXX This is not mine.

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 2021-03-01
Company: Park Hill Holdings
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Corelogic Rental solutions to verify if they received my request via fax for a consumer report, which I'am entitled to every 12 months. The gentlemen I talked to told me that me doesn't have my ss # on file and no info on my name and social security number. I think asked if he can see if I have my XXXX XXXX. He told me there isn't, but I have a letter from the company stating my XXXX is in place. I called back and spoke to a woman. She informed me that they did not receive any fax of a request for a consumer report because their fax isnt working. SHe told me to e-mail. I then asked her what e-mail? The fax for consumer report request only states fax and mail ( I did sent a certified mail request that hasn't been picked from from the post office ). SHe then hung up on 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 2021-11-19
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

add it to my report. Your cooperation would be GREATLY appreciated. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company Mr Cooper  formally known as Natiostar has an forced escrow account on my mortage account claiming that their paying my insurance and taxes which is untrue and charging my account I has been paying my own insurance and taxes for the last two years in full on time .I contacted Mr Cooper and explained this to the agent that I spoke with on two different occasions first on XXXX and was told the escrow account was submitted for removal and I would receive a confirmation letter by mail .that confirmation letter never came so again I reached out to Mr Cooper  again on another call and was told by a different agent the removal was denied due to delinquent payments in the previous 12 months. I had no Delinquent or missed payment in the Las 12 months which was verified by the first agent I spoke with .now the second agent on XXXX which also verified that there was no Delinquent or missed payment and stated she will be resubmitting the removal and I would be receiving a resolution letter in the mail by XXXX I never received that letter also. on XXXX again I reached out to Mr Cooper on XXXX and inquired about the escrow account that was resubmitted for removal the agent told me the escrow was not being removed because of late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: NC
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 


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 2021-11-19
Company: Coinbase, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My information was compromised in a Coinbase data breach. It was then used in a sim swap scam that began at XXXX central time XX/XX/XXXX. I attempted to reach out to XXXX support, but they have not been forthcoming or available. I lost {$600.00} in assets on XXXX. Additionally, the scammers have been charging my bank accounts and XXXX will not stop this activity or secure my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDLAND FUNDING, XX/XX/2017, {$3800.00} MIDLAND FUNDING, XXXX, {$1300.00} MIDLAND FUNDING, XX/XX/2017, {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Professional Credit Analysts of MN, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had discovered XX/XX/2018 that an account was charged off and sent to collections. I reached out to the account holder directly and was re directed to the collection agency. I spoke with an individual and had expressed interest in resolving the matter, and he had indicated that he was seeing another account that was removed by the credit agencies and remarked with a " do not list '' from the credit agency. I asked for a copy of that letter and was denied. the representative had also stated that as long as I keep to the current arrangement then he would not re list the other account. 
I have attempted to contact this agency to discuss the matter but have not been able to reach them for comment.

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 2023-04-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My original HELOC mortgage was with BB & T which was acquired by Truist. 
In XXXX, 2022, I converted this HELOC to a fixed rate mortgage. 
Truist is misapplying payments to the closed HELOC account. Every month I need to call in to ensure the payment is applied to the correct account. Every month, they apply the payment incorrectly. They either apply it to the correct account as an all interest payment or they apply it to the closed account. This has been going on for over 8 months and they do not let me speak to anyone about correcting this once and for all. To date I have paid over $ 5K but my principal has not gone down. 

Over these past XXXX months, I have made repeated calls and visits to the local branch to no avail. I have documented the calls and visits with names and cases, none of which have been followed up on. Every month I call and open yet another case which goes by the wayside as no one returns a call or even sends an email to followup. On the last case opened, I did express to the rep my disgust that no one follows up. She kindly did call me back only to inform me that my case had been denied, no further information as to why. 

Bottom line, Truist is gouging me by taking my payments, applying to the wrong account, and when I do complain, they do move it to the correct account but only apply the payment as interest only. The mortage principal never decreases. At this rate, I will have this mortgage on my house forever. 

For 2022, Truist also provided XXXX different Mortage interest statements ( XXXX XXXX. XXXX ) for the same account ( HELOC ). Each statement is different and has incorrect principal and interest figures. They have yet to provide a 2022 Mortgage interest statement for the fixed rate account. 

During all my calls with Truist, I always referred to the information I was seeing on their webpage and how it differed from the paper statements I was receiving. Every single rep that I spoke with advised that they were seeing completely different information on their screens as well. Multiple requests for copies of what their screen is showing have been ignored. This leads me to believe that Truist is withholding information by deceptively managing accounts and not allowing clients to see current or accurate information.

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 2018-08-05
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS had previously reported late payments from XX/XX/XXXX to XX/XX/XXXX. I contacted them and filed complaint with the XXXX  of Colorado. 
On XXXX XXXX, I received letter from SLS stating all agreed payments were received, and account was in Good Standing. I received SLS confirmation on XX/XX/XXXX, that all payments were received from XX/XX/XXXX to XX/XX/XXXX. Currently both XXXX  and XXXX  show that all payments from XX/XX/XXXX thru XX/XX/XXXX were 90-150 days past due, which is incorrectly reported. 
This is negatively affecting my credit scores and needs correcting. 

Also as of XX/XX/XXXX, SLS mortgage payments have been {$650.00} per month and paid in full with this amount. 

SLS incorrectly updated my XXXX  and XXXX  reports on XX/XX/XXXX showing my monthly mortgage payment is {$920.00} This was incorrectly reported and I was not notified of any change in my monthly mortgage payment owed as of XX/XX/XXXX. 
I need verification from SLS of when and why my monthly mortgage payment was changed, and if incorrect, I need it corrected on both my XXXX  and XXXX  credit reports. 

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 2022-10-20
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: Information belongs to someone else

Complaint:
I have called XXXX XXXX several times to tell them that I NEVER had an account with them. They insist that I did and refused to fix it so I paid this account in full even though I did not ever have an account or card with them ( I suspect its fraud ). It was such a low amount it was not worth hurting my credit when that is the ONLY derogatory thing on my credit. I asked what was the balance and she said {$270.00}. I then asked if it was a secured card like she originally told me that it was opened as a secured card with {$200.00} how could the balance be {$270.00} if the secured limit was only {$200.00}? She put me on hold and came back and said there were fees accrued that caused the extra amount and they could offer a settlement for less than the amount or I could pay it in full. After she explained what the consequences would be with the settlement, I opted to pay the amount in full. That was in XXXX of XXXX. Now it is XX/XX/XXXX and it STILL shows past due {$67.00} and delinquent. The information is erroneous, inaccurate and fraudulent. You can see the inconsistent information on the attached credit report. I This is unfair and unethical because it is not fair credit reporting. It says last activity in XXXX but last payment XX/XX/XXXX. That is inaccurate and must be removed as per the FCRA.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-06-20
Company: Experian Information Solutions 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. 

I told the XXXX, Experian and XXXX to reinvestigate these accounts : XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX, XXXX acccount # XXXX  XXXX XXXX XXXX  account # XXXX  XXXX XXXXXXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX  XXXXXXXX XXXX  account # XXXX  XXXX XXXXXXXX XXXX accout # XXXX  XXXX XXXX  XXXX XXXX account # XXXX  XXXX XXXXXXXX XXXX XXXX account # XXXX  XXXX XXXXXXXX XXXX XXXX account # XXXX  XXXX XXXX XXXXXXXX XXXX account # XXXX  XXXX XXXX XXXXXXXX XXXX account # XXXX  XXXX however they stated everything was complete and accurate. But how is that possible if the open date, date of last activities, the addresses on files and much more is incorrect. 
according to 15 USC 1681i ( 5 ) they are supposed to modify accounts that is not reported correctly or delete them. 

15 USC 1681 SECTION 602 A. states i have the right to privacy. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 the records of convictions of crimes which antedates the report by more than seven years. 

15 USC 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 explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, 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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/XXXX, Experian Conducted an Investigation on my Credit Report and Deleted XXXX XXXX XXXX XXXX account # XXXX from my credit report. 
Report # XXXX as of XX/XX/XXXX, the same account is back on my credit report please reinvestigate and remove XXXX XXXX from my Credit report 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