BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Refer to complaint XXXX. I mailed a letter, an official form, copy of SSN and driver 's license as asked by Equifax. I have delivery confirmation from XXXX. I double checked that the address was right. However, Equifax has not mailed me my free credit report even though 3 solid weeks have passed. Equifax was massively breached few years ago : https : //www.ftc.gov/enforcement/cases-proceedings/refunds/equifax-data-breach-settlement and now they seem to not respond to free credit report request via mail or via XXXX. Pls help. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX and {$72.00} in fees i made a phone call on XX/XX/2020 XXXX eastern on XX/XX/2020 those charges come out of my account. 
at the time of purchase, I had funds available to cover my purchases the bank showed me in my app that I made a purchase and that I had XXXX amount available to spend after purchase. so in my eyes, the bank is holding the money somewhere that I cant see for the merchandiser or vendor to get money, but I don't have to worry about it because the money is gone out my account I don't have to worry about it anymore. not 2 weeks later all purchases showed as pending .. the money was still taking out of my account so that I know what is available. and I had to call before about them freezing my account for me making purchases online .. they would block my card. but the only one I have to worry about fraud is them.. taking my money out of my account twice but on XX/XX/2020 the bank charged my account again with those charges and don't want to give my money back ... .. 

i sent some files of when they tried to recently take money out and when they already did at the time of purchase the only thing i cant prove but which i could've is the balance of my account at the time of purchase .. which will show that they are trying to steal 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 explanation
Consumer complaint received 2023-05-12
Company: Block, Inc.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today I was sent {$220.00} from someone and it immediately disappeared. I contacted support and they informed me that in XXXX there were XXXX technical errors on there end and they just now took the funds. I was never informed of anything until today after they left my account with XXXX cents. They've had multiple chances to inform me and collect funds. Instead they drained my account without any knowledge of errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capitol One is trying to collect XXXX which I did not authorize. I have told them 4 times if they prove that I bought what the say I will pay them. 
Capitol One has never responded to this but they have reported me to the Credit Agencies and have destroyed my credit. 
You have tried to help me but I think Capitol One is just laughing at you because they have not responded. I think it is time for you to apply more pressure on them to respond to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My complaint is about the {$3700.00} in fees assessed to my mortgage. As you know, these fees were assessed by a predatory lender who is the subject of multiple complaints. Shortly after the bailout, I contacted my mortgage servicer for assistance as my mortgage payments were late and I was close to foreclosure. Although I made several attempts to obtain assistance by applying online, my mortgage servicer claimed to have not received any information from me, this happened several times.

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 2021-11-28
Company: Resurgent Capital Services L.P.
State: TN
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 used a platform called XXXX XXXX XXXX to help settle my account with LVNV Funding LLC. Instead of sending a counteroffer, the company used their law firm, XXXX XXXX XXXX, to sue me for the money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Santander Consumer USA Holdings Inc.
State: NV
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:
Ex husband failed to refinance his truck to his name. My name was left on the loan. He made all the payments ( automatic from his account ) on time except the pay off amount, {$58.00} and a payment in XX/XX/XXXX of {$330.00} that I paid. I received a call from the loan company ( Gateway Lending ) at the time and paid it to save my credit. It is in the divorce decree that the truck goes to him. I did not know that I could have put in a motion to basically make him refinance and get my name off. I know now : ( The present company ( Santander ) never sent notification until it was 30 days late. 
I called Santander to get info on how to dispute this. Attached is the docs I sent to them. On XX/XX/XXXX, they sent me a letter saying they reviewed it and unable to process to remove as an act of " XXXX ''. I am not asking for goodwill, I am asking for what is fair. 
They then explained in the letter how I could submit a dispute to the same place I just submitting my info to. I am thoroughly confused. Letter attached.

My credit score was XXXX and dropped 91 points. I would gladly share my credit report to show that missing a payment is not my pattern. 
I submitted the same information to XXXX - Report # XXXX and they are now reporting another 30 days late for XXXX ( pay off was XX/XX/XXXX they updated it XXXX ). I will not give up on this. I worked too hard to achieve good credit and for {$57.00} this happens. I can not give up on my good credit standing and what is fair to me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries 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 2018-10-03
Company: EQUIFAX, INC.
State: CT
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've telephoned all XXXX credit bureaus regarding hard inquiries that are placed on my credit files. I informed the credit reporting agencies that I did not apply for credit with these institutions requesting my credit profile. Per the credit bureaus instructions, I telephoned all companies listed on my report and informed the of the matter. However, I was eventually referred me back to the credit bureaus. Now I am stuck with these inquiries on my credit report and its effecting my well being because nobody seems to care to help. My job maybe at risk because I am required to maintain a certain credit profile background. The following are not my inquiries : XXXX : XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX, XXXX  XX/XX/XXXX Please help me resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Yes hi my accounts been frozen. For a year or more and. Td bank states funds are on smart hold.My account gets funds taken out of it every month for maintenance fees when the account is soppose to be frozen.I Thought it wasent legal for a bank to hold funds this long. Plus when the funds are benifits.Top it of I went down to my financial institution awhile back.They wrote me out a check.Then rip up in front of me. And tell me it's fraud and we're not nice. Something fishy is going on. With my account I would like to know What.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Company Inquiries 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 2017-08-09
Company: Valley Collection Service, LLC
State: AZ
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:
This is a complaint from XXXX XXXX against Valley Collection Services for Valley Collection Services failure to provide requested information for the debt alleged. On XXXX XXXX, 2017, consumer ( through legal counsel ) responded to the reporting on his credit report from Valley Collection Services with a written explanation and request for removal from his credit report.
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation or removal makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
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: Was not notified of investigation status or results

Complaint:
I have a lot of issues with my credit report, inquiries that I did not authorize and accounts that are 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 2021-04-29
Company: RC Willey
State: UT
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:
RC Willey is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see RC Willey report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that RC Willey please take leniency on my hardship and remove any XX/XX/XXXX lates as a one time goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Halsted Financial Services, LLC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/20, I received a call from Halsted Financial Services. They called me on my cell and on my work phone. I did not give them permission to call. I have not received any formal information by mail from this company. I called back XX/XX/20 to find out who this company is, and a gentleman began to state my name, address, and the last 4 of my social security number and asked me to verify. I hung up because I had no idea who I was talking to. I called back and a female answered. I asked for the address and the name of the company. The female asked " is this XXXX XXXX '', I proceeded to ask for the name of the company. The female stated in a bullying voice, " do not ignore my questions. '' The company called me from a fraud number, XXXX and XXXX. I've been receiving calls back to back from this number ; I thought it was telemarketers, so I did not answer. I've received several fraud calls, so I've blocked them, but this number has come through with a different suffix. if this was a legitimate company, then they would have sent the information out to me by mail, allowing me time to review and then respond. They have employed bullying tactics they I know will get worse. I've been fighting with the company they represent, XXXX or XXXX XXXX   for three years because they did not apply the payments. I asked if there was a glitch in the system ; I've called the corporate office twice. I could not get the situation rectified so I stopped paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the validity of a Synchrony Bank/Care Credit account on my credit Reports. I sent a dispute directly to Synchrony Bank/Care Credit in XX/XX/XXXX and received no response. I then sent disputes to all 3 credit bureaus, I sent a dispute to XXXX and XXXX in XX/XX/XXXX, and XXXX in XX/XX/XXXX. All 3 disputes came back " Verified '' from the 3 separate Credit Reporting Agencies ALL showing different information. This account is not Valid and should not be on my report. And the fact that the " past due '' dates do n't match, and the balances are different after being " verified '' prove that this was n't valid to begin with.

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 2017-08-09
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:
I have disputed the validity of a XXXX XXXX XXXX account on my credit Reports. I sent a dispute directly to XXXX XXXX XXXX in XX/XX/XXXX and received no response. I then sent disputes to all 3 credit bureaus, I sent a dispute to XXXX and Experian in XX/XX/XXXX, and XXXX in XX/XX/XXXX.  All 3 disputes came back " Verified '' from the 3 separate Credit Reporting Agencies ALL showing different information. This account is not Valid and should not be on my report. And the fact that the " past due '' dates do n't match, and the balances are different after being " verified '' prove that this was n't valid to begin with.

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 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
On XX/XX/XXXX I sent two Certificates Letters to Transunion LLC : ( XXXX and XXXX ) in order to validate the accuracy of two accounts which reported by XXXX XXXX and XXXX XXXX negative information : XXXX XXXX Acc. # XXXX XXXX XXXX # XXXX Its been more than 30 days since they received my certificates letters to complete the investigation, and as of today I havent received any answer from them. 


On XX/XX/XXXX I proceed to send two more Certificated Letters : ( XXXX and XXXX ) indicating that they had violated a Federal Law under the fair debt collection practice act, the fair credit reporting act and the corresponding local state law, by not replying in a timely manner to my initial letters. Once again, I never received a reply. 


I am filling this complaint because TRANSUNION, LLC has ignored my request to provide me the documents that their company have on file and was used to verify the accounts I disputed. In two different occasions they havent verified this accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be verified. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below see attach below with copies of the letters sent a proof of delivery by USPS. 

Please, resolve this matter as soon as possible and thanks for your time and consideration. 

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 2020-05-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On my XX/XX/2020 statement, a late fee of {$27.00} was refunded, and Synchrony Bank services was supposed to remove associated interest as well. They forgot to remove it. 
As a result - the following fees have accrued - and Synchrony Bank must refund them. 

Additionally - Synchrony Bank must correct their reporting to various Credit Agencies ( XXXX, XXXX, XXXX  ) from delinquent to normal. 

XX/XX/2020 {$4.00} XX/XX/2020 {$1.00} XX/XX/2020 {$7.00} XX/XX/2020 {$1.00} Total {$15.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-11
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Payward Ventures Inc. dba Kraken
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
While trying to sell a XXXX for a profit, their entire service went down before a drop in price. All these XXXX exchanges seem to go down when prices are about to drop. Pretty interesting. I tried to sell for profit and couldnt because they were down, when it came back up it had triggered a stop loss that the charts never showed taking place. Stop loss was set at XXXX price never went under XXXX. Instead of gaining the XXXX or XXXX $ from the sale I ended up taking a XXXX $ loss. They shouldnt be able to go down when markets drop with people money hostage. This is not fair. No warning or anything.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation