BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted Transunion about a tax lien being on my credit report, I informed them that the tax lien was paid and it should n't be there. Instead of Transunion removing the account they updated the account showing paid. I paid the balance prior to it being reporting on my credit report, per Transunion they were going to remove the account completely but they did n't its just showing paid. I want this account remove from my credit file 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 2020-09-15
Company: MARINER FINANCE, LLC
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 information incorrect

Complaint:
I received a loan from marina finance when trying to finance furniture in 2019. I have been paying my bill online. I was told that they dont offer this type of loan so I refinance. Today I get a notification from XXXX  that marina finance reported 30 days late in the months on XXXX XXXX XXXX and XXXX. But on my XXXX and XXXX  Im not late at all.. im confused Im unaware of these late payments and can not understand why they are now showing on my credit report one year later and the account has been closed for 3 months. I have tried to get this resolved with the company I even have bank statements as proof that these payments were made on time.

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 2020-05-08
Company: U.S. BANCORP
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This is a continuation of complaint XXXX. US Bank never responded that they had sent me the title with my name on it without a lien. They claimed the virus was the issue however once again they failed to acknowledge my complaint about the fact that 4 months after paying to loan off, my name was still not on the title. Since US Bank removed my name from the title on XX/XX/2020, the loan releases they supposed sent out in XXXX and XXXX would have done no good since my name was not on the title. I did not receive any correspondence nor phone calls from US Bank up until the first claim was submitted. We are now in the XXXX month and the title is still not in my name. Since CFPB has closed the first complaint without a resolution, I am sending another complaint. Last contact with US Bank was XX/XX/2020 with my request for them to complete the transaction so I can use the truck I paid for in XX/XX/2020. Also, my insurance company was never notified that I had paid off the loan back in XXXX 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 2021-08-20
Company: Bread Financial Holdings, Inc.
State: VA
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:
Comenity- New York & Co are reporting the incorrect information with all credit reporting agencies ( XXXX  , XXXX  , and XXXX  ). The creditor ( Comenity Bank/New York & Co ) is stating this account was recently 30 days late for different months per each credit reporting agency ; however, this account was paid in full on XX/XX/XXXX, and later closed by the above mention creditor in XX/XX/XXXX. 

I have reached to Comenity/New York & Co both verbally and in writing, addressing my concerns on the following dates : XX/XX/XXXX and XX/XX/XXXX, and to be informed that their records do not match what the credit reporting agencies are showing, and I will need to dispute this issue, and there is nothing further that can be done on their end. I was told on XX/XX/XXXX that I would receive an email/letter stating that the account has been paid in full, close, and never late. As of today, I have not received anything from Comenity Bank/New York & Co. 

Attached you will find a copy of my last account statement showing the account status, along with the payment history that was obtained from my account summary on the company weboste.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX   XXXX XXXX, XXXX, DEPTEDXXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Experian Information Solutions 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:
I filed a dispute with the 3 credit bureaus asking them to provide verification on accounts on my credit under the fair credit reporting act 15 u.s.c 1681 section 609 ( a ) ( 1 ) ( a ). And to remove them if they can not send me verification

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 2020-09-15
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The following closed accounts listed on my current Equifax credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. Furthermore, I do not want any extended fraud or security alerts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Credit Plus 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: Was not notified of investigation status or results

Complaint:
I have filed disputes for the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
All I want to do is link my PNC Bank account with XXXX and PNC will not allow me to do that. They are keeping me from making investments for my future earnings. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from TRANSWORLD/NAT XXXX I cant say this more emphatically, I have never had a TRANSWORLD/NAT XXXXaccount in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As of XXXX 2017, XXXX has not fixed the error that 's on my credit report. I have contacted XXXX and the Collection company on several occasions. Per the collection company XXXX XXXX XXXX they have alerted XXXX on several occasions to remove this account from my credit file. I disputed this account with XXXX and XXXX has not done anything about it. I even asked XXXX if they verified information send it to me and they refused to send it to me. I am wanting this account off my credit report immediately because I do not owe XXXX XXXX XXXX any money at all. XXXX does not respond or they take well over 30 days to respond if they feel like it. Please have XXXX  remove this account from my credit file immediately. I even tried calling XXXX to speak with a live person and got the run around, how can a company like this continue to report and do whatever they want to put on someone 's credit file just because. This is so wrong and this account to be removed.

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 2019-01-29
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have purchased tens of new cars in my life. In XX/XX/XXXX I purchased two new cars from Toyota. One with 0.0 percent interest, another with 1.9 percent interest. I paid both cars off. In XX/XX/XXXX I purchased traded those two cars in on two more, both with 1.9 percent interest. In XX/XX/XXXX, I wanted to trade in one of the XX/XX/XXXXcars on a XXXX XXXX. 

Prior to going to the dealership, I applied for a vehicle loan on Toyota Financial Services web site. I was approved in about 30 seconds but the approval ( # XXXX ) did not disclose the terms to me. 

When I went to the dealership and presented the certificate, the dealership made me a deal on the truck. I kept asking for the interest rate and it was never provided to me. No representative has ever called me back to this date. From my calculations given the payment and numbers provided me, the loan presented was about 15 % interest. 

For this reason, I did not complete the sale. However, I have tried and tried to obtain the interest rate that I was approved by Toyota Financial Services. The dealership has not provided it to me, despite my request, and TFS refuses to provide me any information about the terms of my approval. My approval is still good but I have yet to be disclosed the terms of the approval and can not gauge my financial decisions otherwise. 

TFS continues to maintain that they only handle post-sale financial accounts. This is incorrect. TFS, not the dealer, performed the inquiry into my credit and also approved the credit. 

Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Experian Information Solutions Inc.
State: TX
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 took out a loan for a vehicle that I purchased in XXXX  with XXXX XXXX. A year later I was in an accident and my insurance company totaled out the car and paid almost {$7000.00} to the balance of the vehicle. The total amount of the loan was {$11000.00}. The amount that I paid on the loan between my payments and the insurance payment was {$11000.00}. 

XXXX has listed on my credit report the account had late payments and then closed with a charge off of almost {$3000.00} still owed. I have the records of all payments made on the account that are directly from my XXXX account that lists the car payments made every month, on time as well as the check payment from the insurance company. I have reached out to XXXX and Experian about the issue and still have no resolution. Any assistance you can provide would be greatly appreciated. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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 have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : CAPITAL ONE BANK USA N Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 live with someone else. This is the second time Since XXXX of 2018 my account information has been co-mingled with our living partners. I have requested twice a Validation of Debt in writing with no written or electronic response. Under the law [ FCRA/FDCPA ], this alone proves the debt is NOT MINE. This greedy " corporate '' entity is still trying to take advantage of people during COVID-19 an collect money from sick people who have little health coverage during the pandemic. The account they have been trying to collect from, is from a bank I have been a member of a credit union since before then. Very uncooperative when trying to call on the phone and explain their mix up, I don't have time for this as they reduced hours at work since the start of the Corona virus outbreak. It is such a RipOff the  have XXXX XXXX have complete access to all the consumers credit reports and then try to force them to pay for debts that at not even theirs. They say I owe {$150.00}, I say I owe {$0.00}.

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 2018-04-07
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There are two accounts that they say I owe a debt to XXXX XXXX.. I have sent out letters for validation on XX/XX/XXXX, they have not sent out valiadation on the two accounts that they say I owe. On XX/XX/XXXX I received a settlement offer in the mail under XXXX XXXX XXXX XXXX. sataing they are collecting on behalf of XXXX, XXXX. I was informed that XXXX XXXX. is not licensed to collect in Maryland. I have not received any validation on this matter as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, my name is XXXX XXXX. I have a big problem with suntrust bank since XX/XX/2020, the bank closed my account and I had funds in this account of {$12000.00}, the bank closed the account and there is money in the account {$12000.00} after close. 
I contacted SunTrust Bank customer service directly and he said we closed the account and put the money in the wallet without any reason and they said the money is in XXXX XXXX, so why is my money in XXXX XXXX Money on Suntrust account, 1- Why did SunTrust Bank send money to XXXX XXXX ? 
They said I have to contact XXXX XXXX, so how do I have my money with suntrust bank and they want to contact another bank? 
This is the third report I have written in SunTrust, no one is calling me ignoring my reports and they don't want to fix the problem, I am trying to solve this problem without court but if SunTrust contacted me and tried to send it cashback on my address with a XXXX check I will sue SunTrust in court.

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 2023-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Capital One abused the fact that I wanted a unsecure credit card by placing XXXX hard inquiries on my report between XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: MI
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 live with someone else. This is the second time Since XXXX of 2018 my account information has been co-mingled with our living partners. I have requested twice a Validation of Debt in writing with no written or electronic response. Under the law [ FCRA/FDCPA ], this alone proves the debt is NOT MINE. This greedy " corporate '' entity is still trying to take advantage of people during COVID-19 an collect money from sick people who have little health coverage during the pandemic. The account they have been trying to collect from, is from a bank I have been a member of a credit union since before then. Very uncooperative when trying to call on the phone and explain their mix up, I don't have time for this as they reduced hours at work since the start of the Corona virus outbreak. It is such a RipOff the  have XXXX XXXX have complete access to all the consumers credit reports and then try to force them to pay for debts that at not even theirs. They say I owe {$150.00}, I say I owe {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX, Pa.XXXX On XX/XX/2017 my wife traveled on the XXXX XXXX XXXX making 4 trips, she said that she paid each time with cash, but didn't get a receipt. I received written notice that my vehicle failed to pay this toll, after some back and forth a company named " Transworld Systems Inc. '' contacted me via a written notice that they were now attempting to collect this debt on behalf of XXXX XXXX XXXX XXXX. 
The amount was {$220.00}, after several phone calls Transworld Systems Inc., said they would agree to a payment of {$120.00} as payment in full and that they would notify XXXX XXXX XXXX XXXX that the debt was paid in full by way of this settlement. 
Transworld Systems Inc. 
XXXX XXXX XXXX XXXX, Oh. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 are not my accounts, please remove them.

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 2018-04-08
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX requested I update my XXXX XXXX Credit Card information, which I gladly did. 

I submitted, per XXXX XXXX XXXX request, copies of the front and back of the following items : 1 ) My Social Security Card, 2 ) my driver 's license, and XXXX ) my Ally Bank statement. I sent these documents twice via XXXX XXXX numbers XXXX XXXX XXXX XXXX XX/XX/2018 ) and XXXX XXXX XXXX XXXX XX/XX/2018 XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX as XXXX XXXX by XXXX XXXX Mail to XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. 

I have had this XXXX XXXX credit card for approximately 15 years and have never missed a payment or been delinquent. I have a perfect credit with XXXX XXXX. 

Communications with XXXX XXXXk have led me to believe they are treating me unfairly and unlike other holders of XXXX XXXX credit card. I am not sure if it is racial profiling by XXXX XXXX   because there is no reason my XXXX XXXX credit card isn't working properly. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief