BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: VA
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 filed a reinvestigation with the credit reporting agencies in regards to inaccurate information reporting on my credit reports per section 611. I never received any notifications in regards to the investigation results. It has now been well over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent the reinvestigation letter on XX/XX/2020 while the Demand to comply was sent on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently ran my credit report and saw incorrect information reported by XXXX XXXX. 
The report said my credit limit is {$410.00} and my balance is {$570.00} that is incorrect. 

My credit limit is higher than {$410.00}, everything reported is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
A civil action was filed against me XX/XX/XXXX by XXXX XXXX XXXX represented by XXXX, XXXX XXXX XXXX XXXX XXXX and later rescheduled for XX/XX/XXXX. i requested a full validation of the debt that was never provided to me, i showed up for court the first scheduled date but no representative of Capital One showed up, the date was rescheduled, before the second hearing date i received a letter from the court stating '' on XX/XX/XXXX, the complaint filed by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Attorneys for Plaintiff against XXXX XXXX has been Withdrawn. '' XXXX XXXX XXXX refused to remove the negative report off my credit report, i filed a dispute with XXXX  but still XXXX XXXX XXXX has refused to remove the negative inaccurate information. I have uploaded Documentations of prove showing the letter i received from the court as well as the request of full verification and validation of the debt and the Civil action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery is trying to say that I owe them money because they bought credit card debt that isnt mine. The card was opened at XXXX XXXX XXXX XXXX XXXX la XXXX in 2017, I have documentation that I have been living at XXXX XXXX XXXX XXXX XXXX XXXX la XXXX for the last 7 years this debt isnt mine. I called them and tried to resolve the issue nothing happened I also disputed with all of the credit bureaus and havent got a response. They are hurting my credit for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened account online, but get frozen the next day. Have not initiated any XXXX transfer but being told that's the reason.

Make multiple calls, nobody can help. They told me to visit a store to verify my ID. Driving to another state to visit the branch, not resolved during the visit, and nobody follows up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I paid my XXXX statement of {$2300.00} and also paid an additional {$200.00} to the principal which brought my outstanding principal balance to {$450000.00}. On XX/XX/XXXX the servicing of my mortgage was transferred to Mr Cooper. 

Mr Cooper issued me a statement on XX/XX/XXXX showing an outstanding principle of {$450000.00} and an amount due of {$4600.00}. when I called and asked why the principle is high and the amount due is double they stated they had not received the XXXX payment I made with my old servicer. 

Understanding that it takes time for the accounts to update I made a regular XXXX payment on XX/XX/XXXX in the amount of {$2300.00} AND an additional {$250.00} towards principle. when I checked my account a few days later the XXXX payment had not posted and Mr Cooper did not apply my additional {$250.00} towards my pricinciple. When i called and asked why they said they could not move the {$250.00} towards my pricinciple because my account was past due. Trying to pay off debt and not being able to be can be frustrating. 

I then called my old servicer and asked if they had sent my XXXX payment of {$2500.00} to Mr Cooper. They said they had. They wired the money to Mr Cooper on XX/XX/XXXX. 

Seeing that was over 10 days ago I called Mr Cooper to please issue a ticket to find the money and apply it to my account so that my account is corrected and that i can apply extra payments to my principal. They then told me to go back to my old servicer and ask for the wiring information to prove that there was a XXXX payment. 

I do not feel I am making progress with Mr Cooper in getting this payment recognized and the fact that Mr Cooper will not issue a ticket to investigate this XX/XX/XXXX payment leads me with doubt that they will correct it which is why i am submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Hello, All three credit bureaus show late payments more than 30 days on my account from XXXX - XXXX of XXXX. While my payments were later than the first of the month they were not more than 30 days. I have contacted XXXX to correct this but the credit bureaus are still reporting inaccurate information. 

I would like guidance on getting this situation rectified as it is becoming a hinderance. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Colony Brands, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXX, I realized that someone used my personal information to obtain a mobile account. I realized that this happened in XX/XX/XXXX. This has caused me great anxiety and has made it difficult to obtain new credit. Due to the pandemic, I need to obtain credit to provide for myself and was unable to do so because of this discrepancy on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone fraudulently opened an account with America First Credit Union in my former name and spent {$17000.00} according to the negative information that I discovered on my credit report. The address reported that is associated with the account is a place I have never lived at or have ever been associated with. I have lived in Texas since XX/XX/XXXX and I do not think we have America First Credit Union here. On my credit report, it states this account was opened in XX/XX/XXXX. I legally changed my name in XX/XX/XXXX and also changed my name on my social security number in XX/XX/XXXX so if this account were truly mine, I would have used my current name, XXXX XXXX XXXX, to open the account. I have reached out to America First Credit Union regarding this information and they claim that they have already sent the account to collections. I believe I am the victim of identity fraud & will do whatever I can to prove that this account is not mine. I have submitted disputes with XXXX and XXXX, wrote letters to America First Credit Union with all my correct information to prove the account is not mine but have not succeeded with disputing this account. I have also submitted a report on identity theft.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One 360 Bank have misinformed me about the availability of my funds. I have not had access to my funds since Friday XX/XX/2021. I deposited my check of {$5000.00} before XXXX on a XXXX XXXX. It is XX/XX/2021 and the bank has yet to release a Partial Release of {$250.00}. I have had no funds for 4 days during a Pandemic and Massive XXXX XXXX that hit New York. 
On Sunday XX/XX/2021, I contacted Capital One 360 about the availability of those funds to no avail. I went ahead and deposited another {$2500.00} and the bank message stated the funds will be available on XX/XX/XXXX. In addition, two representatives confirmed partial releases would occur on Monday XX/XX/2021. 

I'm distraught that Capital One 360 has held my money hostage for all these days. In the past I have made similar deposits of the same amount or more and had no issue getting partial releases etc. Capital One 360 is not adhering to federal rules and regulations and their shoot from the hip style policies is detrimental. 

Please investigate and I would like to be added damages of {$100.00} per day without the access of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: CarMax, 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:
All of these companies was not done from me. Please remove I have been hospitalized due to XXXX. 
1.XXXX XXXX XXXX XXXX 3.Carmax 4.XXXX  XXXX XXXX 5XXXX XXXX 6. XXXX XXXX XXXX 7.XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX my son opened up a XXXX XXXX credit card. Several years later he put me on the account as a signer. ( during those years XXXX XXXX sold those accounts to three different banks ) My son attempted to take me off the account as a signer in late XX/XX/XXXX and was advised that this account was now a joint account and I could not be taken off. He wrote to XXXX XXXX   and adived them that this joint account status was incorrect and asked for them to supply proof that both my son and I signed the application when the account was opened. 
XXXX XXXX wrote back and advised that they purchsed the assets from XXXX XXXX XXXX in XX/XX/XXXX and they had no proof that the account was a joint account as they could not locate a copy of the credit application. 

My son became XXXX in XX/XX/XXXX and I am his full time XXXX. My son stopped paying this and other bills as he is now XXXX. 

I need to keep my credit rating up and this mistake has hurt my credit scores on all the reporting agencies. I understand that the full amount on the account, about {$24000.00} was charged off last month. 

I understand that the Fair Credit Reporting Act says that the reporting agencies must show proof of the various claims or take the negitive comments off the report. Clearly in this case this has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint with your agency CFPB against Medical Data Systems complaint ID # XXXX on XX/XX/XXXX my complaint stated that medical data systems has continued to place collection accounts on my credit reports reinserting changing account names or amounts slightly to slip by the credit reporting agencies. These collection accounts where on my XXXX  credit report XX/XX/XXXX after dispute and reinvestigation the accounts remained unchanged until I filed a complaint with CFPB and XXXX   and wrote a letter to Medical Data Systems informing them I was going to take legal action because of their deceptive and unfair collection practices. This collection agency attempted to collect on {$16000.00} with a total of 26 separate accounts all being medical. I am unsure if this is the companies attempt at defrauding the Veterans Administration because of my XXXX XXXX XXXX status, or just an attempt to defraud me personally. This complaint will be followed with a complaint to the Attorney Generals Office here in Texas and if nothing is done to prevent this from happening again to me or other Americans in general I will personally hire an attorney and see that this company answers for their deceptive and criminal ways of doing business.

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 2020-11-16
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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've seen no changes for the accounts that I have filed last month, I still see multiple 120-180 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I experienced bank fraud on my debit card with TD Bank. Starting XX/XX/XXXX my card information was compromised and a string of purchases were made up until XX/XX/XXXX. A total of {$2300.00} was taken from my account. I was notified by TD Bank that there was suspicious activity on my account. I went through and marked which purchases were not made by me and submitted a claim. 

I received a letter today saying that they determined that fraud did not occur. They denied my claim, saying that the card was in my possession. 

It is clear if you look into the purchases that they could not have been made by me. The money was spent in California on XXXX, helicopter rides, XXXX, and grocery deliveries. Some were at restaurants and stores that aren't in Vermont at all. For example : XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have been in Vermont this entire time so clearly there has been fraud. 

I am waiting to hear back from the bank after my second claim has been filed. I have filed a police report and will continue to pursue this issue until it is resolved and I have received all my money back from TD Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-22
Company: Navient Solutions, LLC.
State: DC
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:
Hello, I was informed based on this website CFPB that federal student loans were automatically not being charged interest or late payments being reported to Credit Bureaus per the CARES act. However, Navient reported to the credit bureaus that I had a 90 day late payment which has affected my credit score and it dropped 93 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am writing in reference to my Advance Checking/Saving Accounts with HSBC Bank. On XX/XX/2019, in response to HSBCs advertisement offer ( Offer ), I opened an Advance Checking/Saving Accounts ( the Account ) in the local HSBC branch ( XXXX XXXX, NY, Personal Banker XXXX XXXX XXXX # XXXX ). Pursuant to the terms of the Offer and, as stated in my Account documents, after opening an HSBC Advance combined Checking/Saving Accounts with a balance of at least {$10000.00}, I would automatically receive {$370.00} after 90 days from the date of the account opening. As indicated above, the Account was opened on XX/XX/XXXX of 2019. I complied with all the terms of the offer by opening the Accounts for the required {$10000.00} and maintaining the balance of at least {$10000.00} for more than five months now. According to the terms of the offer and my Accounts documents, I became eligible to receive the promised {$370.00} in XXXX, 2019. However, HSBC declined my request for payment of {$370.00} without providing any explanation for their failure to honor the terms of the agreement. I called and spoke with at least 4 representatives at HSBC and the Manager XXXX but, as of today, I have not been given any explanation as to why my request for the promised {$370.00} was declined. I opened my Accounts in reliance of HSBC representation of promised payment of {$370.00} within 90 days. I have satisfied all the requirements for payment eligibility and HSBC breached its promise without providing any explanation for their refusal to honor the terms of our agreement. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have encountered the issue with Citibank twice now where I have called them to cancel my credit card and close out the account and when I go to check it several days later, the account is still open. When you call in, the customer service representative will bring on an " account specialist '' to assist you with closing the account. You can tell them 100 times in a row to close the account and they will speak over you and say ok you agree to our promotion and so forth. In this last case, they signed me up for some offer and left the account open. Clearly, they employ some shady individuals who clearly receive some sort of perk for retaining customers. Beware of these people as you will more than likely have to call several times and cross your fingers hoping that the account is closed and you are not billed for services you never requested as well as an annual fee. I consider it harassment. It is as bad as a timeshare pitch which is not right. You should not be harassed and charged exorbitant fees for trying to close your 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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
THIS IS NOT A DUPLICATE TO COMPLAINT # XXXX XXXX. THE PREVIOUS REPORT WAS OSED OUT BY TRANSUNION BEFORE THE INVESTIGATION WAS COMPLETED. TO : CONSUMER FINANCIAL PROTECTION BUREAU, PLEASE DO NOT ALLOW THIS COMPLAINT TO BE 'CLOSED OUT ' UNTILL ALL THE UNAUTHORIZED INQUIRIES HAVE BEEN PROPERLY VETTED, VERIFIED OR DELETED. HERE 'S WHAT SHOULD BE INVESTIGATEX BY TRANSUNION : ( Please forgive the cramped spacing ). 
1. ) XXXX XXXX inquiries 2. ) XXXX XXXX " 3. ) XXXX XXXX " 4. ) XXXX XXXX 5. ) XXXX 6. ) XXXX XXXX XXXX 7. ) XXXX XXXX XXXX 8. ) XXXX XXXX 9. ) XXXX XXXX 2 inquiries 10. ) XXXX XXXX 11. ) XXXX XXXX XXXX 2 inquiries. 
12. ) XXXX XXXX XXXX 2 inquiries. 

S/S # XXXX D.O.B. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX Ph # ( XXXX ) XXXX E-mail : 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 2018-04-02
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Charge a {$5.00} fee for an account set up by the bank to save money. Account was not at a XXXX dollar amount.

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