BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-21
Company: TD BANK US HOLDING COMPANY
State: VT
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:
My wife and I received a {$5500.00} credit limit on a store card from XXXX XXXX in XXXX XXXX, CT, managed by TD Bank. We made some initial purchases and had over {$2000.00} available credit remaining. We set up autopay immediately and had been making on time payments for months. One month we started a new joint bank account and I neglected to change the autopay information with the XXXX TD Bank card, so the payment was declined. I quickly resolved the issue once I noticed the problem. Literally every other payment thereafter was on time via autopay. However, Our entire remaining available balance was deleted due to the once single circumstantial late payment. 

I called TD Bank to see if they could help, but they were unwilling to reconsider. 

This seems to me a very unfair practice. I would understand if there had been multiple late payments, etc, but other than the one late payment due to a change in bank accounts, every other payment was on time and I assumed we were in good standing. 

I only found out the credit limit had been erased because we are moving and were ready to buy a new bedroom set. 

Is there anything CFPB can do to help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : 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 non-monetary relief
Consumer complaint received 2021-06-07
Company: HW Holding, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
i was living in apartment with XXXX XXXX XXXX XXXX and at the end of the contract of one year they not giving me my deposit which is {$400.00} and the need about {$1300.00} from me so i start my small claim against them and i take 2 judgments against them that i need to collect from them {$350.00} and i request many time XXXX to remove the collection but no any reply from them same from Hunter Warfield the collection company please find attached 2 judgments from XXXX Court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, 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:
This is my XXXX endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and I complain to question specific records in my document coming about because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Section XXXX of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft Y XXXX XXXX XXXX XXXX XXXX, FL XXXX ; CHILD SUPPORT XXXX XXXX Date opened XX/XX/XXXX Balance {$27000.00} ; CHILD SUPPORT XXXX Date opened XX/XX/XXXX Balance {$27000.00} ; XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$0.00} ; Bankruptcy XXXX XXXXXXXX US BKPT CT FL XXXX Filed XXXX XX/XX/XXXX Reference number : XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Experian Information Solutions Inc.
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:
Contacted XXXX, XXXX and experian on XX/XX/2017 regarding an collection account that is invaliding reporting ; I do not have a contract with this company the reporting is a HIPPA violation and its is reporting multiple times XXXX XXXX is reporting to bureaus 5 times with different account numbers however same 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 explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: GA
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:
I am a natural person. I am a human being. I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 I have the right to privacy and I did not give Equifax the permission to furnish these accounts : Accounts : Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX : Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: EQUIFAX, INC.
State: PR
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:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , REPORT IN MY CREDIT FILE AN ACCOUNT NUMBER   XXXX   NOT BELONG OR AUTHORIZED OR SIGNED BY ME, I CALL T HE COMPANY, AND TELL THAT ACCOUNT WAS PAID IN FULL, WITH NO BALANCE, BUT MY CREDIT REPORT SHOWS  XXXX  IN CURRENT BALANCE, AFFECTING MY CREDIT & EMPIRICAL SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
In sum and substance, in XXXX to XXXX I attended XXXX XXXX, XXXX XXXX, then XXXXXXXX XXXX, the most affordable state schools I could afford under a single parent household. In and around XXXX I paid off my federal student loan because I had only taken a small loan. But I did not notice that After paying the loan off completely, I incurred a interest for the prior month that totaled {$4.00}. The Federal student loan system continued to to charge interest on that {$4.00} amount. In XXXX I randomly logged into the student loan portal and noticed the balance of {$27.00} which I immediately paid. As of this date, when I log into XXXX, XXXX, and Experian they list a total of 4 to 5 Derogatory Federal Student loan accounts, each listing a repeated late payment and derogatory in bright yellow. It's also noted on the credit reports that my student loan information negatively effects my credit. I contacted the federal student loans administration, and was denied a full payment history for my loans, I was only provided with a letter stating my loan is paid off, and the payment history from XXXX when I paid off the {$27.00}. In addition the credit buraus list multiple federal student loans when I only had one account. I have contacted XXXX, XXXX, and Experian in writing about this in fair and negative 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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
In sum and substance, in XXXX to XXXX I attended XXXX XXXX, XXXX XXXX, then XXXX XXXX the most affordable state schools I could afford under a single parent household. In and around XXXX I paid off my federal student  loan because I had only taken a small loan. But I did not notice that After paying the loan off completely, I incurred a interest for the prior month that totaled {$4.00}. The Federal student loan system continued to to charge interest on that {$4.00} amount. In XXXX I randomly logged into the student loan portal and noticed the balance of {$27.00} which I immediately paid. As of this date, when I log into XXXX, Transunion, and XXXX they list a total of 4 to 5 Derogatory Federal Student loan accounts, each listing a repeated late payment and derogatory in bright yellow. It's also noted on the credit reports that my student loan information negatively effects my credit. I contacted the federal student loans administration, and was denied a full payment history for my loans, I was only provided with a letter stating my loan is paid off, and the payment history from XXXX when I paid off the {$27.00}. In addition the credit buraus list multiple federal student loans when I only had one account. I have contacted XXXX, Transunion, and XXXX in writing about this in fair and negative 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 non-monetary relief
Consumer complaint received 2022-08-16
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/06, I contacted Ally Bank as I was having issues with withdrawing cash from my debit card using an ATM while on travel to XXXX. After waiting for a customer service representative for OVER AN HOUR, I was told that there was a fraud block on my account and that lifting that block would allow me to use that card. Ok, no problem. I wasn't able to test it while with the agent as I was near physically near an ATM, so I took her for her word. When I tried withdrawing cash from an ATM at XXXX XXXX, a cash only merchant, I was unable to withdraw funds. Great. I call the next day and again the wait time to get a customer service agent is over an hour. This one tells me that the issue is related to too many failed attempts instead of just the initial fraud block and informs me that everything has been resolved. Again, not near an ATM, so unable to validate the agent 's word unfortunately. At night, I try to withdraw cash from an ATM and as expected, still doesn't work. I try for a third time, and again wait for OVER AN HOUR to get an agent on the line and this time the agent tells me that she'll have to transfer me to another agent without giving me a reason as to why and I'm placed back in the wait queue for an hour. Absolutely ridiculous. Not to mention that the other times where I've waited and finally connected, the call ends abruptly. I suspect that agents are taking the call and purposely ending it to clear their backlog. This is the most ridiculous customer service experience I've had with any financial institution and it's ludicrous that I'm unable to withdraw money from my checking account when I want/ need to. Ally Bank needs to ramp up staffing for their call centers and provide adequate training for their representatives to resolve banking issues.

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 2022-08-16
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 status incorrect

Complaint:
Inaccorance with the Fair Credit Reporting act XXXX XXXX Account has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-11-26
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/2019, I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/2019 as if this medical account belongs to me it should have been paid for by my insurance. Credit report was reviewed again on XX/XX/2019 and the account is still reflecting on my report and I believe that they are trying to collect on an account that may not be mine and should have been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account is mine and was not paid for in full by my insurance and that all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX, I contacted Transunion by phone and spoke with an agent. I informed them that I have a revolving credit line ( credit card ) with XXXX since XXXX that does not get reported on my credit report. I have already spoken to XXXX on many occasions regarding this and XXXX has assured me that they report to the credit bureau every month. The agent at Transunion told me that they do see the account in question however due to a balance dispute in XXXX, they have removed my account from the credit report. I asked Transunion that I would like my account to appear on my credit report because I have had it for 8 yrs, and the credit line is {$33000.00}, which both aspects would improve my credit score. Transunion told me there is no way to bring the account back on my credit report. I believe this is incorrect and does not follow the FCRA as my credit report is incomplete and inaccurate. The debtor is reporting every month, I am requesting the account to be reported, but Transunion is stating it can not. 

I contacted XXXX and XXXX has stated they will start reporting my account. When I contract XXXX ( also spoke to them on the phone today XX/XX/XXXX ), they inform me they do not see the account at all. XXXX has confirmed for me that they do report monthly to all 3 credit bureaus. So my dispute is with Transunion and with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: LEXISNEXIS
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 responded to lexis nexis letter regarding a public record error on their report. On XX/XX/XXXX I sent in  documentation via email about the false information they said about calling the court because I called myself and they answer was different from lexis nexis. I was told I would get a response in 24 hours and have not heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I co-signed a private loan for my son, the company came after me when he decided no to make good on his promise to pay back the loan, I made payments to Navient but the harassment from them became too much and in 2017 I filed bankruptcy Navient continued to receive payments the five years I was in my bankruptcy, which ended XXXX of this year, Navient sent a claim for {$22000.00} to my bankruptcy, they were paid {$13000.00} as soon as the bankruptcy ended they sent me a bill to restart my payments when I called them for my total amount owed they stated it was {$15000.00} when I asked them how that could be possible first they stated it was because my loans were in forbearance even though they received monthly payments the entire time I was in bankruptcy I filed a XXXX XXXXXXXX the next time I called they said it was 5 years worth of interest rates I knew I would owe something but the amount they are telling me seems a lot higher than what I expected also my bankruptcy trustee also said it was too much Please know I am willing to pay what I owe them, but because they have been so disrespectful and untrustworthy and they will stop at nothing to get you I just do not trust what they say I sent them via fax all the paperwork I have from my bankruptcy showing payments and dates to no avail, if your company can't help me please feel free to refer me to someone who maybe can help me, I totally blame my son for this but I am just trying to clear my name, I am XXXX XXXX XXXX, still working and trying to maintain, I really can't afford to pay them what I don't owe them, I have all my paperwork and will be glad to send it to whomever can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: MA
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 have tried everything to resolve the issue from writing XXXX XXXX a letter to calling to disputing the issue with the bureaus but nothing has worked as they are refusing to acknowledge my request the XXXX at XXXX XXXX laughed at my concerned and said i would never be able to remove the remark as they say was reported correctly the issue is that it was NOT i paid my lease every mo the on time they failed to report an excise bill and too the money from my monthly hill to pay the excise bill when confronted why they shared that it was a system issue they have and was processed that way

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX mortgage holder Specialized Loan Servicing account loan number # XXXX is claiming that I have a past due amount on my mortgage for late charges past due in the amount of XXXX plus other late fees on my account. I have asked for proof of the amounts SLS mortgage is claiming I owe them for approximately 3 years with no proof or response with documentation of the fees they are claiming I owe them. Once again I am asking Specialized Loan Service for proof of the amount they are claiming to be owed to them and sent to me XXXX XXXX and sent to to cfpb which I owe them nothing and quit wasting my time and energy and send me back a refund for the XXXX and any other charges they have added to my mortgage and if there has been any negative credit reporting to the 3 major credit bureaus that the reporting be erased form my credit profile with a letter of proof that the action was taken care of. My own perspective is I take pride since I first became a homeowner with a mortgage in 1993 I have never ever been late on my mortgage payments with any mortgage servicer or bank since I became a homeowner. I am very familiar with credit and its impact it could have on late payments to any creditor since I was General Sales Manager for 40 years with XXXX XXXX XXXX and ran customers credit daily at least 20 credit bureaus per day and dealt with over 30 lending banks and credit unions. Since I have been dealing with this inaccurate information for 3 years and you will not find any late fees I am asking for a expedite refund of all money owed to me Thank You XXXX XXXX Phone number XXXX Email XXXX I 100 % swear the above information is true and prefer phone calls

Company response to consumer: Closed with explanation