BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 an account with XXXX XXXX XXXX. The last payment dates and also the closed dates doesnt match across the board for all three credit bureaus. The amount shown that I owe is also incorrect. This account is a part of a class action lawsuit. The attorney General office of SC is a part of the lawsuit. XXXX has agreed to remove the accounts off of the consumers credit report. Not only has the account not been removed it is also reporting inaccurately. I have previously reach out and the account was updated to accurate which is incorrect. According to all three credit bureaus I owe XXXX. According to XXXX I owe 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 2020-09-06
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:
Despite FOUR written requests. Experian has NOT corrected the INACCURATE REPORTING & UNVERIFIED ACCOUNT on my credit report.

They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that the information belongs to me and is correct.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), They are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts the post on a credit report.

I am requesting that the following accounts below be verified or deleted immediately if it can not be verified. 
Account Number : XXXX : Account Number XXXX I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed above, they failed to positively verify these accounts has hurt my ability to obtain credit. 

Under Section 611 ( 5 ) ( A ) of the FCRA THEY are required to promptly DELETE all information which can not be verified. They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information belongs to me and that it is correct. In the results of Experian investigations, they stated in writing that they verified that these items are being reported correctly? 
They HAVE not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

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 2020-02-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In late XXXX, XXXX, I have receive a mail letter ( first mail letter ) from TD bank saying their recorder showing I don't have any current insurance, thus asking me to provide my property insurance information like insurance policy number, the name, mailing address and phone number of the insurance company or insurance agent. Otherwise, the bank will buy the insurance for me, and I will be liable for the period I do not have insurance. However the fax number provided in the letter never work out, thus I went to TD Bank Branch to fax the documents in early XXXX, XXXX. The document I faxed is the Insurance Binder which contain all the information the first mail letter asking for. I didn't receive any mail regarding the issue and my monthly mortgage payment didn't change. Later in earlier XXXX, XXXX, I received another mail letter, saying my monthly mortgage payment is going up because they have purchase the insurance for me. So I called the TD bank several time between XX/XX/XXXX to XX/XX/XXXX, I got different answers from different agents about what has happened. But they all said they have received the fax from me in XXXX, but they want the " Declaration Page '' not the " Insurance binder '', thus they bought the insurance for me without any notice before or after. However, I didn't find anything about " declaration page '' on the first mail letter I received. Then I contacted my insurance agent to get the declaration page that cover both XXXX and XXXX  year, and faxed those document together and received a fax confirmation that has page count. However when I contact the TD Bank today XX/XX/XXXX, the agent said they only receive the document for XXXX not XXXX. In addition, they are asking me to provide other additional documents, a statement from my insurance company saying I was full covered. The agent is very mean, rude and unprofessional. Didn't show any of respect! I have provide all the documents they have been asking, but they keep asking for more. I don't know if the TD Bank really want to resolve my issue, but just keep teasing me. I don't think this is right and fair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I recently opened a card with Capital One, the Savor One. It arrived this past weekend, XX/XX/19, at which point I activated it and began to use it. All was fine. Today, XX/XX/19, I went to use the card and it was declined. I called the company to figure out what was going on. I had last used the card on XX/XX/XXXX and it was fine. I had not been notified of an issue either. The customer service agent told me there was a restriction on my card and I would need to provide photographic evidence of 3 forms of ID : driver 's license, social security card, and a utility bill, the latter of which they would need to call and verify my account. They needed this to verify my identity and lift the restriction on my account. I immediately took issue with this because none of this was requested upfront when I signed up for the card. I wouldn't have moved forward if I knew that kind of lengthy check would be required. The biggest issue is the social security card which I don't have, and do not want to go through the rigamarole of getting a new card issued. I asked to go through another verification means ( security questions, social security number, mobile/email verification, authorize my purchases, etc. ) or provide 2 of 3 IDs requested and they refused. They refused, citing there was no way to move forward. They also would not tell me why the restriction was placed, which is absolutely absurd. The manager, who I asked to be transferred to by this point, said there was no one else who could help, and no way to access someone in the department that deals with the restrictions. She also noted because the card was restricted, I wouldn't be able to pay the existing balance online or do a balance transfer to another card so I could get out of my relationship with Capital One. I was essentially stuck until I provided the IDs to get the restriction off. I'm filing this complaint as this is absolutely ridiculous, and I hope someone will look further into this issue so this does not happen to other customers. I understand verification needs, but I expect to be notified of an account restriction and I want to know why and what kind of account restriction I'm dealing with. Further, if I note the ways I can't comply with said verification they should find an alternative or tell customers upfront what will be expected. Lastly, there is no reason I should not be allowed to make payments online or transfer the standing balance to another account if I just want to end the relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Heartland ECSI has been retaliating against me regarding my complaints about their service. 

I obtained multiple student loans through my school, XXXX. For now, my school chooses to service its student loans through Heartland ECSI. My school put all student loans into forbearance until XX/XX/XXXX. Heartland ECSI sent me a false statement for XX/XX/XXXX saying I owed {$1200.00}. I then received another false statement for XX/XX/XXXX saying I owed {$1500.00}. Heartland said that it would fix the statements. 

Heartland makes it extremely difficult and time consuming for borrowers to make payments towards a single loan. I prefer to apply extra payments to loans XXXX at a time to pay them off faster, thereby removing a payment. I also target the higher interest loans first. Heartland requires borrowers to make a payment, which is applied against each loan. In my experience, most of the money has gone to the lowest interest loans, thereby extending the length of the loans. Entering this payment takes a few days. The borrower must then contact XXXX 's customer service to enter a request to adjust the loan to be applied against only XXXX loan. 

On XX/XX/XXXX, I made an extra payment of {$2800.00}. I then requested that this payment be applied to a single loan. Because Heartland had not fixed the false statements that it had been sending me since XXXX, I was misled into believing that my account was current. The next month, I was surprised when I was informed that I needed to make my monthly student loan payment for XXXX AND for XXXX. 

It took many conversations over several months to figure out that this is what had happened. After I informed XXXX 's customer service rep that I was saving my conversations with them, Heartland removed the option from the end of my chats to save a PDF of the chat. I have been saving XXXX docs and screenshots now instead. 

Just today, I was informed that if I want to keep making one-time extra payments in the manner that XXXX told me to many months ago, I need to be aware that Heartland XXXX deny my requests to adjust those payments to apply only to a single loan. Instead, the rep suggested that the preferred method is to set up an automatic recurring payment. That would be fine if I had a fixed extra amount that I was paying on a regular basis. But I do not. That means that XXXX 's default of applying payments to the lowest interest loans will lengthen the amount of time borrowers are forced to service their loans with XXXX and deal with their misleading and dishonest business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Figure Technologies, Inc
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I was applying for my loan my XXXX account and XXXX XXXX  did not correctly communicate with each other. This is an issue because they offer a 0.25 % rate deduction for being on autopay and it was not showing up in my account. They told me to go through the application anyway and that once the account was opened that I could add autopay and receive the discount that way. 

Since I have had the account opened I have called their call center at least 4 times trying to receive my autopay discount and each of the first 3 times I was told it was going to be applied and still have not seen it. Additionally, this last time I called about 3 weeks ago and I asked to speak to a manager and was told it would take 10 days for them to get back to me. I still have yet to hear back from them 15+ business days later. 

I was told that I would be receiving the autopay discount and am not receiving it so I opened this account up with this company lying to me about the rate of the loan I was going to receive. Its not as if I dont have autopay initiates, I have had 2 autopays go through so far. 

I have an additional issue where they told me that my rate was going to be based off the 1 month libor rate as published in the wsj on the XXXX of that month. None of the rates I have received thus far match that rate. 

I dont really know what to do, I have tried contacting them so many times and while the people on the phone seem helpful at the time of me talking to them nothing seems to get done once I hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am having problems getting the XXXX  30,60, and 90 days removed off my credit. I was not properly notified that XXXX or XXXX XXXX was going to report to credit report. I am XXXX  so could not read the bills because not XXXX  and no one communicate over the phone. I contacted the bank multiple times one staff told me it is not there responsibility that I XXXX. I also called the automated system does recognized my ssn number and being forced to stay on phone for at least 45 minutes. 
I believe the company violated my rights because I am not properly getting accommodation for my XXXX. I reached out to the company over 90 day period and was told could not find my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found out there was a medical collection ( account XXXX for {$56.00} from XX/XX/2015 ) from Firstpoint Coll Resources, INC on my XXXX credit report that I do not recognize. I opened a dispute with XXXX said they reported that the account belonged to me, but I do not know what it is or what it is for, and I still have not been able to get a response from Firstpoint Coll Resources after leaving multiple voice mails. I have attached the relevant snippets as supporting documentation. I can be reached at XXXX or at ( XXXX ) XXXX. Thank you in advance, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I requested my report from Clarity Services Inc, on a couple occasions. On one occasion back in early XXXX I had disputed much of the personal information they have on record for me, as it is not mine and never has been mine before. They have over 42 different inquires listed down and of those 42 only 12 of them are actually inquires that I granted permission to, the other 30 of them I never grated those companies permission to review my credit nor have I ever even heard of those companies. Clarity still refuses to remove them and still refuses to validate them to me. Also there are 5 incorrect addresses listed under home addresses those 5 are NOT addresses I ever lived at before. Then they have 16 different phone numbers listed under Home Phone Numbers and I havent had a home phone line in over 12 years, so every single one of them is inaccurate as their reporting only goes back until XXXX. Then they have 12 different cell phone numbers listed under Cell Phone Numbers of which 2 of them are actually mine. Ive never seen those others numbers before, theyre not mine! And then as we get to the section Drivers License Numbers they have a state listed claiming I have DL there and Ive never even stepped foot into this state let alone got a DL there. 2 of the 7 listed are accurate the other 5 are NOT. They have 8 different email addresses listed, only 2 belong to me. They have my employers company name wrong and have it listed as current when its a former employer. The occupations they have listed are wrong. And then in a section titled Net Monthly Income out of 17 different amounts listed only ONE is accurate. Oh and the biggest one is the section titled Banking Information they have 4 different bank accounts listed, only 1 is actually mine the rest Ive never seen before. 
They are serious reporting A LOT of inaccurate made up information on my file and it concerns me greatly. But whats more concerning is their refusal to remove this incorrect info from their file. They have no right furnishing requesters false information, thats lying to them essentially. Its not right theyre getting away with this.

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 2018-02-06
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We submitted a complaint to XXXX XXXX XXXX credit card fraud unit with  respect to a fraudulent repair of a refrigerator. XXXX XXXX XXXX delayed their communications and responses to us sufficiently that they closed the case abruptly without acknowledging our legitimate attempts to provide the information they were seeking on a timely basis. The delays were solely due to XXXX 's very slow processing times and very slow communications. 

By closing this case without processing our information, they have failed to protect us from a fraudulent merchant. 

We are now being held responsible for the charges levied including interest and late fees even though XXXX failed to timely process our claim 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 monetary relief
Consumer complaint received 2021-02-23
Company: CITIBANK, N.A.
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:
Citi Card is reporting an account on my credit that is not mine. I recently checked my credit file and noticed that this account was reporting on there. I have been disputing this account with the bureaus and they keep verifying it? It says I am an authorized user but I never signed any paperwork or gave Citi Card permission to report on my credit. This account is not mine and I need to be removed as an authorized user.

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 2020-11-22
Company: TEXAS CAPITAL BANCSHARES, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Borrower : XXXX XXXX XXXX ( XXXX  ) Lender : Texas Capital Bank ( TCB ) Borrower requested to pay-off the loan from Lender, but Lender imposed the {$2000.00} for the so-called commitment fee on my pay-off amount. 
Borrower requests for the document that Borrower signed to agree to pay for the commitment fee. However, Lender failed to prove the document and declined to remove the {$2000.00} fee, then alleged that We will release collateral only after full payoff is received. Therefore, Borrower was compelled to pay the {$2000.00} when pay-off the loan for the release.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Receivables Performance Management, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was reported to the credit bureaus for owing XXXX {$4300.00} by Receivables Performance. I was never contacted by phone, e-mail or mail about this alleged debt. I never received an itemized statement from XXXX. I was never given the opportunity to dispute the amount in question. My credit is now tarnished because of improper service and communication on the part of XXXX and Receivables Performance.  My rights under the FCRA has been violated as I have been advised by legal counsel. In addition, I want both XXXX and Receivables Performance audited for past and current practices in regards to validity of debt and debt collections protocols and procedures.

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 2020-11-19
Company: ACIMA CREDIT, LLC
State: IL
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 were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: LEXISNEXIS
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:
Contacted Lexus on XX/XX/2020, about bankruptcy that was reporting on credit accounts. The source of information was reported by Lexus Nexis I received a reference number from Lexus Nexis after contacting them-ref : XXXX. The 30 days passed that I was informed that they would investigate and sent me results in the mail. I contacted Lexus Nexis again on XX/XX/XXXX the I was informed their investigation was complete over the phone. I requested information to be sent to my address I never received follow up information. On XX/XX/2020, I requested a method of verification I was told I would receive information in the mail 30 days later they gave me reference : # XXXX I never received the corresponding information. I would like to request the account in question that I'm disputing with Lexis Nexis bankruptcy # XXXX and bankruptcy # XXXX be removed from their database.

Company response to consumer: Closed with explanation