BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquire accounts that not a obligation of mines appears on my credit report 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f

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 2020-09-08
Company: Experian Information Solutions Inc.
State: TN
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 submitted a letter from XXXX that shows that they submitted a request to all three major credit bureaus to remove the bankruptcy. None of the three have removed the bankruptcy. In addition, there never was a bankruptcy and the XXXX  XXXX XXXX  could not have charge off an account in bankruptcy that did not exist. To further the conspiracy XXXX  has been blocking my account so that my recent credit cards can not report. XXXX XXXX  and XXXX XXXX banks are two of the four that have been blocked.

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 2020-11-23
Company: Shellpoint Partners, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I paid off our mortgage of XX/XX/2020. As of today ( XX/XX/2020 ) neither the Maine XXXX County of Deeds or my wife and I have received a Release Deed that we can submit for recording. I have been in touch with the mortgage company almost weekly wanting to know why a Release Deed has not been sent. As it stands now should we decide to sell our home or seek another mortgage we would be prohibited as there is still an outstanding loan being show on our property record. Attached is a document showing the loan was paid in full. 

This loan is in the name of the XXXX XXXX XXXX, Trust. Both my wife and I are the Trustees of that Trust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a XXXX XXXX  credit card with XXXX. Due to the Pandemic and loss of a job I wasn't making my full payment. They sold my account to Midland Credit Management. I started making payment to them on XX/XX/2021 and was making them every month ( made 2 payment in XXXX XXXX. Than I get a letter that states payment for the full amount or seek a lawsuit against me. I called and gentleman told me they have NEVER receive any payments from me and that I owe the full amount. I told him I'm have cancelled checks! I tried again to speak with someone to resolve this, but they stated THAT I'm lying that they've never received any payments. But, I could stop them from suing me if I paid the full amount! I'm on unemployment, there NO way I can come up with {$3300.00} dollars right now and I think they know it. So, if they sue me in court they will get a bigger judgment against me. Now they have in fact filed a lawsuit against me for the full amount with no payment taken out! I have the canceled checks front and back! They are NOT interested in taking payment they only want the FULL amount right now!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is an ongoing issue with my Lowes consumer credit card. Due to numerous bugs, their system is spotty and oftentimes does n't recognize my username, but at other times it does. As a result, I was consistently getting flagged as " being late ''. To Lowes 's credit, they did refund me all my late payments except for my last one. Their reason for refusal is their claim that they ca n't process multiple late fee reversals. In addition, my previous payment on XX/XX/XXXX was well over the payment minimum ( {$100.00} vs {$35.00} ), which should have covered this month anyway. Their website actually has more than one location where payment can be made, but only one is the correct one, making it needlessly confusing. Once on the page, the system is incorrectly telling me that my usernames of " XXXX '' and " XXXX '' is invalid. I even tried several others, to no avail, even though it had previously worked. To make my final payment, I had to call into their automated phone system, which again was spotty, and unable to take my routing number as I typed it in, forcing me to waste over 15 minutes just to make my payment.

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 2022-10-05
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:
Upon viewing my credit reports I noticed my XXXX XXXX XXXX XXXXXXXX had a discrepancy in the DATE OPENED & DATE OF LAST ACTIVITY section of the listing XXXX and Experian are reporting different dates. The date open on the XXXX report says XX/XX/XXXX but on Experian, it says XX/XX/XXXX. Also, the date of the last activity also has different dates, XXXX says XX/XX/XXXX and Experian says XX/XX/XXXX. If this is the same account, reported by the same creditor how are these dates different? Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE this item immediately.

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 2021-11-29
Company: Kashable LLC
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 2021-01-24
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
XX/XX/XXXX Went to US Bank, to get my bank statement on my closed account, also i have other account there, they charged me {$6.00} for each month ( I ask 6 months {$36.00} ), and they ask cash only, they don't let me use other account to pay, i have to take money out, they want cash only, after i payed they just give back my ID, no receipt, i ask them give me a receipt, reluctantly give a receipt, on the receipt transaction type is : miscellaneous fee. 

30 mins late still didnt get email from US Bank, so i call US Bank service ( XXXX ), they send me the statement by email with no charged, i ask the US bank service do i have to pay for the statement, the answer is no. so i go back to US bank, ask them why i have to pay for the statement, was three different worker tell me they always charged for statement, doesnt matter the account is open or closed, doesnt matter print or email, and whatever the us bank service said is not truth, they don't want to return the {$36.00}, why the us bank want cash only? why the receipt transaction type is miscellaneous fee? 

I was closed my account around XX/XX/XXXX, maybe overpay to my credit card or other reason, still have {$240.00} in the closed account, i go to the bank ask for help, they tell me 'they can't help me, i have to call the credit card company. 
U.S. Bank XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Branch : XXXX I just want to know if this bank violated the rules and charged fees that should't be charged, thanks.

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 2022-07-12
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: Personal information incorrect

Complaint:
My name appear different. I only use 1 name but showing many different names on file. Need to correct

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 2018-10-04
Company: BARCLAYS BANK DELAWARE
State: GA
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:
While XXXX from XX/XX/XXXX to XX/XX/XXXX ( see attached " Certificate of Discharge '' document confirming my XXXX  ), someone stole my personal identification documents ( driver 's license, Social Security card, birth certificate, tax returns, bank and credit card statements, and other sensitive financial documents ) and used the information gained from those documents to fraudulently open a credit card with Barclays Bank Delaware on XX/XX/XXXX. I became aware of this fraudulent acct when I obtained a copy of my credit reports and saw this acct being reported. 

This fraudulent acct is currently showing a balance of {$4000.00}. The last 4 of the acct # are XXXX. 

This transaction was not made by me or authorized by me. I have not at any time made my personal identifying information available to anyone, and have not benefited from this transaction in any way. 

On two occasions ( XX/XX/XXXX and XX/XX/XXXX ) I reported this fraudulent account to Barclays Bank and sent them the attached dispute letter, police report, proof of XXXX document, and other supporting documentation. However, on both occasions they failed to stop reporting this fraudulent account to the credit bureaus when there is no doubt that I could not have opened this account if I was XXXX. 

In accordance with the Fair Credit Reporting Act, I have submitted all required documentation and statements to prove that I was the victim of Identity Theft. However, in accordance with the FTC Notice to Furnishers of Information and section 605B of the Fair Credit Reporting Act, Barclays Bank is failing to adhere to its responsibilities under both.

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 2018-09-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
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: Card was charged for something you did not purchase with the card

Complaint:
This complaint is to request the reimbursement of {$160.00} dollars, fraudulently charged on XX/XX/2018 to my HSBC XXXX XXXX XXXX   XXXX Master Card No. XXXX at the VIP lounge located at terminal E in the XXXX airport ( XXXX XXXX XXXX ) Here is what happened ; On XX/XX/2018 I was flying with my son from XXXX to XXXX. While walking through the terminal E at the XXXX airport, I saw the Master Card logo at the VIP lounge, and decided to go and ask if I was eligible to access the lounge for FREE using my HSBC XXXX XXXX XXXX XXXX Master Card. The lady at the front desk asked me for credit card to check if I was eligible to access the lounge for FREE. In less than 10 seconds she confirmed that we were allowed to access for FREE and without providing me any voucher or receipt ticket she welcomed us ( my son and I ) to the lounge. We stayed at the Lounge for less than 15 minutes, since our flight was on time. Please note that my credit card requires an electronic signature ( PIN ) to process any payment, but in this case, I did not signed anything ( either on paper or electronic ) that is why I suspect this is a fraud. In XX/XX/XXXX when I received my Credit Card statement I noticed a {$160.00} charge by XXXX XXXX XXXX even though I was told it was for FREE and without me signing anything ( either on paper or electronic ) ; therefore I please request the {$160.00} dollars reimbursement. Please note that I have requested the reimbursement several times to HSBC Bank, and to XXXX XXXX XXXX without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
Equifax has XXXX XXXX listed on my credit report when I have submitted documentation that shows it should no longer be reporting on my credit report. 

XXXX XXXX and XXXX have removed XXXX XXXX - EQUIFAX has not!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theift and the inquires listed below are a result of the identy theift XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from  XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: AES/PHEAA
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2018 I submitted a identity thief package for {$1200.00} & {$440.00} to remove from my credit report because their fraudulent charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
USAA is reporting debt not owed on credit report in the amount of {$2000.00}. I don't not owe the debt. Unpaid balance reported as a loss by the credit grantor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Southeast Toyota Finance ( SETF ) XXXX XXXX XXXX XXXX XXXX  Lease Term : XXXX mo / XXXX mile per year Lease start : XX/XX/2019 SETF has recently enacted the inability for 3rd party dealers to buyout XXXX  vehicles from lessees, citing the pandemic shortage of vehicles for their network dealers and forcing us lessees to only work with same network of XXXX dealers for a buyback or early termination if we are unsatisfied with the XXXX dealer buyback offer. Early termination would result in a penalty, too. 

Unfortunately, I am finding myself in a hardship where I can not continue to make the lease payments for the vehicle, and as a result, did begin my search with dealers like XXXX, XXXX, XXXX, XXXX, for a 3rd party buyout and was pretty happy with the offerings received as it would make me whole given the circumstances I'm seeing now financially - however, this was only to be met with my initial info above from SETF during processing of the buyout where it can not be completed due to their recent restrictions. 

In doing my due diligence, I met with the local XXXX XXXX dealer and was offered substantially less than the 3rd party offers, placing me in a negative/upside down stance versus the current lease payoff amount, and where I'd ultimately end up in collections if I were to agree to the XXXX dealer buyback as I simply can not afford to pay it over other necessary means at the time. 

I personally feel I am being forced into collections and a negative credit reporting transaction, all due to a recent stance XXXX has taken on their agreements with their lessees, but ironically enough does not apply to XXXX vehicles which SETF oversees, as well. Also, this stance they are taking is well beyond our lease agreement beginning XX/XX/2019. 

SETF refuses to work with me and/or the 3rd party to sort this through continuing to cite the pandemic and in a lack for words, not blatantly saying their choosing profit with XXXX dealer only buybacks for their then resale, over a struggling consumer now just trying to stay afloat and keeping a longstanding customer. We're all impacted by this pandemic, and there's no reason for a corporation to flip the script and take advantage of current lessees for their own profiting at my despair, when we all can win-out in the lease payoff satisfied in full by the 3rd party and me not going into collections/repo/adverse credit reporting. 


thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Credit bureaus are reporting a bankruptcy, Ive asked how it was verified since the courts do not release that information, what documents have they reviewed, and what are the means they took to verify me. I also would like to l ow who was certified to report this from the creditors and credit betrays, if this information has not been provided, which it has not, this should be removed from my credit profile, its a violation on the fair credit reporting act to publish unverified information. The only agency that can acknowledge a bankruptcy with full details is the courts and Ill be happy to reach out to ask if you were sent certified documentation verifying this 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 2020-05-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Credit bureaus are reporting a bankruptcy, Ive asked how it was verified since the courts do not release that information, what documents have they reviewed, and what are the means they took to verify me. I also would like to l ow who was certified to report this from the creditors and credit betrays, if this information has not been provided, which it has not, this should be removed from my credit profile, its a violation on the fair credit reporting act to publish unverified information. The only agency that can acknowledge a bankruptcy with full details is the courts and Ill be happy to reach out to ask if you were sent certified documentation verifying this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: PLS GROUP, INC
State: OK
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:
I had attempted to make a purchase and it still reflects these purchases and has not been refunded on account. These purchase add up to over {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions Inc.
State: AR
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX   XXXX US DEPT ED XXXX {$5700.00} XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX   XXXX {$2200.00} XXXX/DOFED XXXX {$9500.00} XXXX XXXX XXXX {$340.00}

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 explanation
Consumer complaint received 2017-08-11
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please see previously filed CFPB complaint ( XXXX ) This is a complaint from XXXX XXXX ( represented by XXXX XXXX XXXX XXXX XXXX XXXX ) against TD Bank. We have made multiple attempts to communicate with TD Bank regarding this matter being reported on consumer 's credit report. TD Bank has not responded to any correspondence except the previously filed CFPB report, in which they claimed to have not received a Power of Attorney. When we called TD Bank, they claimed that they had received the original Power of Attorney we sent, but it had been too long and we would need to send another. They claimed they could only receive it via fax -- we sent it both via fax and mail. The fax number they had given us was broken, and they have yet to respond to the letter.

Company response to consumer: Closed with explanation