BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-18
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: Account information incorrect

Complaint:
During sometime around XX/XX/XXXX or XX/XX/XXXX,  XXXX XXXX closed a checking account that I had with and did not explained why they closed the account I also had a credit card with XXXX XXXX. Once XXXX XXXX closed the account, I had somewhere around $ XXXX {$14000.00} in my checking account. I went to the bank because I needed to make a withdrawal and make a payment on my credit card account. I was informed that my account was closed. I then inquired as to why my account was closed and I ask " how do I withdraw my money from the bank ''. 

I insisted on make a payment, but was informed that they would not take a payment from me. I needed to make a withdrawal, but XXXX XXXX would not allow me to make a withdrawal or accept a payment from me. The teller at the bank told me that they would deduct what I owed on the credit card from my checking account and they mail me the difference. XXXX XXXX did not deduct the amount of the balance on the credit card from my checking account immediately. Instead, they deducted the money from my account much later than they indicated and did intentional financial harm. XXXX XXXX made the payment on the credit card late and it resulted in a 30 day late on my credit file. Eventually, XXXX XXXX did mail me the correct amount after making a payment on the credit card. The limit on the credit card was {$1000.00} and the balance at the time was no more than {$800.00}. 

Up until that time, I 've always made payment on time and I never had a late payment. My checking account always had a positive balance and I did not have returned checks due to insufficient funds. 

I have contacted XXXX XXXX and ask them to correct this error, but they have failed to assist me in correcting an error that they made. 

CFPB, Please help me to resolve this matter. This late payment has caused me much distress and hardship and is severely affecting me in consumer transactions. 

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 2021-10-23
Company: TD BANK US HOLDING COMPANY
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Is I applied for alone on XX/XX/XXXX. I never heard a word back from this company. On XX/XX/XXXX I received the email with my Notice of adverse action letter. 
Per the XXXX, thay have 30days to send this letter not 11 months. Beware of TD Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I made a call to Experian as well as faxed them inquiries that needed to be deleted due to Fraud. They were not deleted and it has been over 45 days since the requests have been made. Please see the attachment which I have done over that needs to be removed from my account immediately. I am closing on my home soon and this needed to be addressed. 

DO NOT PLACE A FRAUD ALERT ON MY CREDIT REPORT AT ALL. 

Remove XXXX XXXX XXXX AND 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 2018-01-31
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
I was engaged and asked a XXXX XXXX associate to create a reeds account for me. The account was created successful. The following month I attempted to make a payment over the phone for the account. I was I formed reeds credit cards were no longer in use. It was apparent the accounts were sold. Contributing for two months to span payment cycles, I made payments to the address I was given. For payment, not one of the payments were recieved during the two months of XXXX and XX/XX/XXXX nor was my account located for online pay services to XXXX XXXX throuout the account term. This continued throughout the year and upon the latter of the years credit term, I contined to make payments. For four months I would say. I was given Addresses to make payments to and none of them were successful. I was never returned one of the payments I made to XXXX XXXX upon the completion of the payment considering they sold the account. I was charged late fees and double payments upon payments because of the bank and the confusion. Before the Eventual, arrangments were made, and the payments were never reimbursed or my account loacted. XXXX XXXX sent my account to a third pary and closed the account. This was the second time XXXX XXXX did this to me as a account holder. They sold my account and never reimbersed me for payment for mailed payments, that were sent and not recieved, and eventually took the money before the end of a payment cycle, while recharged late fees, finally closing the account, with no reimbersed payments, and intrest ending my account privlages and account status with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
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: Public record information inaccurate

Complaint:
Bankruptcy reported on my record over 10 years Numerous unauthorized credit inquiries Wrong addresses reported as previous address I have only one address over 15 years : XXXX XXXX  XXXX XXXX XXXX XXXX, Ca XXXX Wrong HIGH balances on my open accounts reporting as 98 % credit usage.

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 2021-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Ive had ongoing issues with Cap one witt cards, Ive paid off all cards witt cap one except my journey has a XXXX balance out of XXXX, they reported today my credit usage was 98 percent when I paid off more than 2 weeks ago, they did wave the fees on the last one I submitted to u guys!! Not sure why they like to mess with me!!! Trying to get my score up, but they insist reporting incorrect info!!! Ive also paid many fees I shouldnt have,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
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: Public record information inaccurate

Complaint:
I submitted a police report, identity theft report and a letter from the bankruptcy court. They still did not remove the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
Graduated in XXXX, had $ XXXX of private student loan debt. The company I had originally was sallie Mae. The debt was sold three times to ultimately navient in XXXX?. From XXXX i had been ordered to Pay {$1300.00} a month. When navient took over the loan they stated my loan balance was {$170000.00}. 

I have Contested this for years, they have destroyed my credit. I have Hired Attorney, I am A victim by whomever sold these loans to them! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I submitted a police report, identity theft report and a letter from the bankruptcy court. They still did not remove the incorrect 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 2021-10-04
Company: WELLS FARGO & COMPANY
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 demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this 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 2018-01-31
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:
My husband and I disputed many accounts and inquiries on XXXX, Experian and XXXX  in XXXX, 2017. They had 30 days to investigate and prove the accounts belong to us by sending us original contracts for each account. They have failed to do so therefore, by law they must remove the accounts we disputed which they have not. It has been about 90 days. This has damaged our credit and we would like help. Please.

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 2021-10-23
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
THE ADDRESSES THAT ARE LISTED DO NOT BELONG TO ME. I HAVE NEVER LIVED AT ANY OF THE ADDRESSES THAT ARE POSTED ON MY CREDIT 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 explanation
Consumer complaint received 2018-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My husband and I disputed many accounts and inquiries on XXXX, XXXX and Transunion in XXXX, 2017. They had 30 days to investigate and prove the accounts belong to us by sending us original contracts for each account. They have failed to do so therefore, by law they must remove the accounts we disputed which they have not. It has been about 90 days. This has damaged our credit and we would like help. Please.

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 2020-11-09
Company: AMERICAN HONDA FINANCE CORP
State: OH
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 account is inaccurate. The Balance is not correct and the payment is not correct and the balance history is different on the XXXX, XXXX and XXXX. Please Delete per the FRCA 611. 

XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I have this accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft SYNCB/XXXX  Account Number : XXXX This is not mine.

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 2019-01-11
Company: Experian Information Solutions Inc.
State: OH
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:
To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. 
In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.

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 2020-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
CAPITAL ONE BANK USA N # XXXX. This was a paid for deletion account. I agreed to pay and they would remove this account from my credit report and the payment HISTORY is inaccurate as has been paid for quit sometime now and still reporting negative information as of XX/XX/2020. 

Please deleted ASAP as agreed for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: CHALLENGE FINANCIAL SERVICES
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I, the natural person, Consumer who is protected under the federal law is demanding, as a consumer of heaven, protected under the federal law, Title 15 Chapter 41 subchapter 5 1692 ( k ). compensation for DAMAGES, WILLFUL INJURY, UNLAWFUL ACCUSATION, ETC. I am demanding compensation and damages under a commercial tort, commercial security agreement including a fee schedule submitted under a UCC! with the Secretary of Treasury and in response to the Bill of Particulars sent to company certified mailing. ; for the false claims of an alleged debt to them. CHALLENGE FINANCIAL SERVICES AND XXXX XXXX XXXX XXXX, both have conspired against my 4th amendments rights, liable for damages and injury, not only that but My rights to privacy, while also breaching contract due to false and deceptive forms, business malpractice, and willful intent for emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: ALLY FINANCIAL INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a new XXXX XXXX VIN # XXXX   from XXXX XXXX  in XX/XX/XXXX, financed for 6 years through XXXX. At some point my loan was transferred to Ally Financial. The loan was paid off in XX/XX/XXXX, but I did not receive a tiltle and called to inquire ; I was told that they released the lean on the title and that XXXX would print the title if I needed it. In XX/XX/XXXX the car was wrecked and processed by XXXX  as a total loss ; XXXX requires the title to release the settlement funds so that I can get a new vehicle. When I went to XXXX to get the title I was told they could not give me the title because it still had a lean from Ally financial. I asked my wife to call Ally, which she did and was told it would take 24 to 48 hours to process ( I do not have the transaction number ). 10 days later I follow up ; They have no record of my account or social security # but do recognize the VIN of the car. I get the same response as my wife except its 24 to 48 hours for a fax and a week to 10 days for the mail ( transaction # XXXX ). 5 days later still no title release so I follow up again. They transfer me to an account recovery department XXXX who says the system dealing with old accounts is down and they will process it when it is back on line, I asked how long it has been down and when it is expected to be on-line and was told it had been down for at least 2 weeks and they had no information when to expect it to be resolved, and that I have waited 5 years a few more weeks should not be a problem. I call back several times asking for managers or some one who can send a release with out the broken system but have no luck. They all had the same story " they are experiencing technical difficulties and they will call me once they are resolved. I called back the next day and put in another request # 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 2022-01-09
Company: EQUIFAX, INC.
State: PA
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:
Hi my name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. I filed a dispute online XX/XX/2022 and received confirmation XX/XX/2022 that EQUIFAX has not removed the inquiries that I requested. How could your agency investigate within a few hours with no proof of these companies retrieving my credit file with out written consent. Equifax has aloud these companies to furnish information on my credit report. I have attached documents proof of the investigation and a detailed letter of what happened. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: WA
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 paid this card ( XXXX XXXX  ) and requested it be closed XX/XX/XXXX. This information shows on my credit report dated XX/XX/XXXX. After the card was paid, instead of closing the account as requested, XXXX Bank charged a XXXX dollar annual fee out of nowhere ( when the account should have been closed ), and charged late fees up to a total of XXXX dollars and then sold to a debt collector. This is outrageous.

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 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 compliant already they didnt correct the the removal date on my bankruptcy its posting for 10 years. Then I have recent unknown information on my credit ( XXXX XXXX XXXX  XXXX XXXX, Mt XXXX ) I have never done business with them that is inaccurate then my score dropped over 60 points for removing the inaccurate information which I dont understand why. Please removal all hard inquires that Im not doing business with that are over 30 days old on all 3 reports. I am in distress this is really affecting my credit. 
its been over 30 days and only certain things were addressed.

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