BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In Accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2020-11-26
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been severely impacted financially by COVID-19, and I have tried calling my credit card company, Barclays, regarding my Barclaycard XXXX card to bring my interest rate down lower due to my hardship. They are not willing to provide any assistance whatsoever. I need the government 's assistance in ensuring I am not overpaying these credit card companies with extremely high APR interest, when my main motive is to get out of debt with them. 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 2020-10-19
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX filed an identity theft on two separate occasions, whereas my Sears Card was stolen and I also initiated an initial police report in XXXX, and another one in XXXX of XXXX. Citibank N.A. owned the account and still pressured me that they would not remove a negative tradeline until I at least made some type of financial settlement. Citibank N.A. through a third-party collection agency known as XXXX XXXX XXXX XXXX knew that through the Fair Credit Reporting Act that my credit report could be used as XXXX of my credit worthiness. Therefore, I had no choice but to pay a settlement that could not even be enforceable in Massachusetts courts. It has been eight months and Citibank N.A. is still posting this Sears account as Past Due {$3500.00}. The account was an identity theft claim and should be deleted permanently. This is a clear violation of my rights under the Fair Debt Collection Practices Act, and Citibank N.A. is in clear violation of their subscriber agreement with the credit reporting agencies. This accounts must be purged 100 % permanently!!!

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate

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 2023-02-02
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:
There incorrect personal information 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 non-monetary relief
Consumer complaint received 2023-02-13
Company: ALLY FINANCIAL 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:
After moving into my new home in XXXX of 2022 about 2 months down the line in I believe XXXX or XXXX I got some electrical work done at my home from a company name : XXXX XXXX who also had ran my credit score and eventually ending financing me with a bank by the name of Ally Lending for about {$4700.00} or XXXX. Sorry but I don't have the Receipt/Paperwork in my possession but I do have all the information if you need it but anywho I was given payments of {$71.00} a month for I think 36 months so I was inform that due to me financing and having to pay interest on the work that was done to my home I was fine but only because I was under the impression that by me receiving the loan it'll go straight towards my credit as I mail the payments but once I ended checking my credit report yesterday I noticed that it was never reported but it was noted that Ally did a Credit check that day but no lending.

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 2023-08-10
Company: Upstart Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez, which is an affiliate of ShellPoint Mortgage, charged my escrow account maintained with NewRez for Private Mortgage Insurance ( PMI ) for the months of XXXX and XX/XX/2020 twice. My PMI monthly payment is {$130.00}. The first time was charged on XX/XX/2020 for both months and then again on XX/XX/2020. After contacting NewRez via online messages twice in the last two months trying to resolve the issue, just today, I received an electronic secured message from ShellPoint stating ( Please be advised, Private Mortgage Insurance is paid in arrears. Your payments taken out were for missing PMI payments. We have determined that no escrow occurred, and we are not able to issue a refund. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX XXXX  is reporting late payments to my credit. Ive tried having them remove the last payments they will not. I was not late on any payments.

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 2018-10-29
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 status incorrect

Complaint:
have disputed the late payments on XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX   XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2019-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account and money market account at Capital One bank within the past year. There have been numerous problems with transferring funds and I have tried to address these by going into branches and calling their service departments. I continue to receive the run around and requests for escalations have taken weeks to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Experian Information Solutions 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:
Because of identity thief some of my accounts on my credit report is in bad standards and that not fair and some of them are closed

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 2020-07-24
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I purchased a new phone on XX/XX/2020 through XXXX XXXX ( which goes through TD Retail Card Services ). I received and email welcoming me to XXXX XXXX. This is an excerpt from the third paragraph, " Once you receive your welcome kit in the mail, you will have everything you need to finish setting up your XXXX XXXX online account profile. '' I never received the welcome kit. I waited until XX/XX/XXXX, figuring it was just delayed due to the pandemic. On XX/XX/XXXX I called XXXX and they directed me to contact TD directly. I called and I never got an answer. So I went to their website and clicked the link for if you have trouble accessing your account ( XXXX ). I sent the Email that same day, XX/XX/XXXX, and I didn't receive a response. I called XXXX again on XX/XX/XXXX, again they directed me to contact TD directly. I spent an hour and a half on hold, and sent another email. I finally got a response. They asked for my first and last name, then my zip code. They said they were able to find the account then asked for permission to send me a passcode to the phone number on file. I received the passcode and replied within 1 minute ( I have the timestamps to prove it ). No response. On XX/XX/XXXX I sent them an email stating that I still didn't have access to my account and if I didn't receive a response I'd be contacting the credit bureau ( after further research I realized I needed to contact the CFPB ). I still did not receive a response. I'm trying to purchase a home and I don't know if or when they're going to send me to collections for non payment. I've acted on good faith messaging them, calling them, trying to get them on the phone. I do not have the time or energy to deal with them any longer. I need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-26
Company: Colony Brands, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/XXXX and XX/XX/XXXX filed a dispute against accounts that were wrongfully added to my credit profile. I stated in the dispute that I NEVER had wireless services with their company. I made phone calls and was advised to file a dispute after the representative looked into the system placed me on hold to have a further review with supervior, they could not find an account and the call dropped. After the dispute was filed there was an update to my credit report which gave a current date and stated that the information was accurate. 

XX/XX/XXXX and XX/XX/XXXX filed a dispute for old accounts that have been paid with zero balance. Requested to have accounts removed, and was told the accounts will be removed and a letter will be mailed for confirmation. DID NOT HAPPEN!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.I have disputed this debt with the credit bureaus and it came back verified. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was a Consumer Affairs Director for a large newspaper and a medium-sized food company for a number of years and I studied Consumer Finance in college. So I know the value of keeping a high FICO score. Ours has hovered around 835 for the past 50 years, but recently dropped to XXXX because of these problems. I think that recently hackers have targeted people with high credit scores, and so we have had numerous fraudulent charges on our Capital One business account. Someone tried to purchase a car on it and during XXXX and XXXX, there were several high amount fraudulent charges that we did not make. There was one small charge that was legitimately ours, and I paid it during the fraud investigation. There was confusion about the charge because the vendor charged us a discounted amount than what we ordered. I have written and phoned numerous times to try and resolve these issues with Capital One, The Cap One Rep said that I would not have to pay late fees, but Cap one continues to charge us late fees and interest on top of late fees and interest. We have not used the card for other purchases and have canceled the account. The charges are over {$400.00} now and we do not intend to pay these non-legitimate fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: AL
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:
In XX/XX/2020 I filed a dispute with this credit bureau about the unverified account XXXX XXXX  account # XXXX In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
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 belongs to someone else

Complaint:
The credit bureaus are reporting erroneous information on my credit file

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX {$2400.00} has violated my rights USC 15USC 1681 sec 602 states i have the rights to privacy USC 1681 sec 604 states 2 states a consumer reporting agency can not furnish a account without my written instruction.

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 2020-10-19
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:
I started my dispute of negative incorrect and incomplete information on XXXX XXXX. There were multiple inaccurate items being reported. After the initial dispute, one item was listed as closed and the others remained. I filed a follow up dispute on XX/XX/2020 demanding the items be verified with an original signed contract bearing my wet ink signature. Following this dispute, the inaccurate items yet remained being reported, even though there is no verifiable proof that the item is accurate. Additionally, the account that was reported closed has been fluctuating in status, even though again there is no verification that the item is accurate. None of the accounts are reporting complete or accurate information regarding payments, statement dates, etc. In addition, the bureaus have failed to provide me any physical verification that the accounts reporting are accurate as requested. I have since filed an additional dispute on XX/XX/2020 demanding that the accounts be deleted due to lack of verification and non response. It's been over 90 days and I have yet to receive a proper response. They have failed to follow regulations and procedures to ensure the data published is complete and accurate.

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 2020-09-11
Company: Experian Information Solutions Inc.
State: NV
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I pulled my free annual credit Experian report and I found too many errors. Experian keeps poor records and I can't understand why Experian was constantly doing inquiries on me. Either XXXX is the worst Credit Bureau or they are intentionally causing major problems with my credit report.They need to be investigated. 

My social security number is incorrect that was a definite red flag although I was allowed to sign in on the internet under my correct social but when I obtained my report the last 4 of the SS # was totally incorrect.

Under personal information : Experian has me listed as having 5 different names, 10 addresses I've lived in Nevada all my life and have never used an alias, one of the addresses was in Florida. They have me living in apartments complex and I've always lived in single family homes. 

Their credit report has totally made give a hard look at how Bureaus can ruin your life by using their Institutional influence.. I believe I'm a victim. I sure hope this is investigated because after reviewing my report I'm sure there is a major problem with this credit bureau.

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