BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
the credit bureaus XXXX, XXXX, XXXX  has been defaming my character and reporting false consumer credit transactions without my consent. I am a victim of identity theft and request these account be blocked from my credit file i have provided documents of identity theft and based on the consumer reporting agency and the fair credit repoerting act i need these action taken immediatley

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: Experian Information Solutions 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:
Hello! I have had an incorrect collection mark removed from my personal credit report with XXXX and XXXX, BUT Experian refuses to remove it even though I've requested they do so twice now. 
The collection they are citing is from XX/XX/XXXX for {$1800.00} at XXXX XXXX and the debt collection agency is XXXX XXXX XXXX XXXX who have been zero help in this. I settled this debt back in XXXX, this should not be on my personal credit report. 

XXXX XXXX XXXX contact info I was given : XXXX XXXX XXXX XXXX XXXX, MN 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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 accordance with the Fair Credit Reporting At XXXX Account # XXXX as 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 2018-08-27
Company: ALLY FINANCIAL INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ally Financial did not provide verification for debt reported on my credit report yet they are reporting inaccurate information to credit bureaus. 

The document below is the only documentation provided.

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 2022-08-25
Company: Experian Information Solutions Inc.
State: FL
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/2023 I completed a Balance Transfer from Capital One to XXXX. I did not have my Capital One card on me at the time, so I used my virtual Capital One card number for the transfer. 
Capital One claims to have never received the payment of {$700.00} that XXXX supposedly sent them. I now owe a balance of {$700.00} on my Capital One card AS WELL as my XXXX card. Neither company will resolve the balance. XXXX took the {$700.00} onto my new card and left the {$700.00} balance on my Capital One card. 
Disputes were filed, cases were opened more than once ( by both companies ) and both companies claim the cases are closed now. I have now doubled my {$700.00} debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: OH
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. 

Natl Recovery : # XXXX, XXXXXXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to my credit report there was a derogatory collection account opened on my credit from the company Professional Debt Mediation XXXX on XXXX XXXX. To this day I have NEVER received communication about my debt and when I went to dispute the inaccurate information from the credit bureaus this Professional Debt Mediation XXXX company reported that this debt is valid. Today ( XX/XX/2020 ) I called this company to find out what documents do they have to verify the debt that allegedly belongs to me and I was informed by an agent named XXXX that they do not have any documents that they can send me that verifies this debt belongs to me and that any dispute is taken from the word of the company that is reporting to them. With that being said I was advised that a letter that stated that there is a debt out there that is owed by me was sent on XX/XX/2020 which is almost 7 months after this debt was opened and reported negatively on my credit report. I repeatedly asked for any documentation that they have to provide me as is my legal right and they kept reiterating that they have nothing to send to me that can serve as proof. At that point I requested them to withdraw any claim for any alleged debt that they are reporting to the credit bureau 's and they have outright refused to honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citibank sent me a letter dated XX/XX/2018 saying that they were going to charge me for insuring my apartment. The letter acknowledges that I have homeowner 's insurance already but says it has to purchase it for a past period. 

Citibank does not claim it actually purchased insurance for me, it says it is going to purchase insurance and charge me {$100.00}. 

As everyone knows, no insurance company will ever pay to insure a period of time that has already ended. So, it is impossible for me to purchase insurance for that period. It is also impossible for Citibank to purchase insurance for that period, but they still plan to charge me {$100.00} even though they will not actually buy insurance with that money. 

I called Citibank today and they said the letter was valid and they are going to charge me {$100.00}, even after I explained the situation.

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 2022-11-25
Company: Upgrade, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
put a request for XXXX  in, said it went through, but they shut off my credit card and XXXX never went through, but balance still shows on my file and credit report. this company is harming me with their lazy and inaccurate practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been attempting to request of Suntrust Bank to drop escrow payment on my mortgage so I can pay insurance and taxes directly for 14 months now. They are refusing to recalculate my loan to value after I have invested in new pool and solar roof last year significantly boosting my home 's market value over the one they are using from 2015 when the loan was refinanced.

I have reached out to XXXX XXXX who is the mortgage investor but they were not able to compel servicer to recalculate LTV based on current market value and drop the escrow. 

My loan number is 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 2019-11-11
Company: DISCOVER BANK
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Discover Home Loans  advertisers a process in which to prequalify for a HELOC rate on their website with no affect on a consumers credit file. I went through the process and got to the point where it said, Congratulations, you have prequalified for XXXX  and almost immediately received multiple text messages and emails from credit monitoring sites that a hard credit inquiry was pulled by Discover. This is completely opposite what was stated on their website about prequalifying for a rate and has  now added an unwanted and unauthorized hard inquiry on my credit files. I spoke with a home loan officer this morning to express my displeasure in the bait and switch advertising of their site and she refused to do anything about the hard pull inquiry. This is wrong to advertise one way with NO AFFECT on credit but then go through their process only to get hard credit pulls. I requested they remove the hard pulls and she declined saying there was no method to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
The post office took four weeks to deliver my credit card check to the credit card company. The credit card company charged me late fees and interest. I called the credit card company and they removed the fees this one time as a courtesy and wont do it again. I asked them why they werent they using the date on the envelope when the check was mailed and not when it was received. They say its when its received. The reason it was late is because the post office took four weeks to deliver the check and the charge card company took to long to post the payment to the account. A federal law needs to be passed that no late fees or interest can be charged during the COVID 19 pandemic as long as the payment is mailed before the due date and not when the payment is received. The law should include nothing can be reported to credit agencies either. 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 2020-09-16
Company: EQUIFAX, 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:
This account does not belong to me and has been on my credit report for some time. Equifax continues to report this account even though it is not mine. I am asking that this account be deleted because it is not mine. I have attached an identity theft report to the previous complaint XXXX. Please delete the account for US DEPT ED. I am sending this as myself no third party company or no other person that I gave permission to send on my behalf. I am sending this personally & the complaint is coming directly from me, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Diversified Consultants, Inc.
State: LA
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:
This company told me once the payment would be made to settle the account that the trade line would be removed. This company did not remove that trade line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE 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: Investigation took more than 30 days

Complaint:
I hope you can help me. On XXXX XXXX I file disputes with all three credit bureaus XXXX, Transunion and XXXX. The things I am disputing are simple late payments remove, remove me as authorized user on some accounts arent mine some are showing balances when they were paid in full. I know the law is 30 days and it was been way over 30 days. I even sent these certified mail and I still havent got back the return slips. You cant tell me they have not received these letters. 
I am trying to get my credit clean up and I am getting no help from the credit bureaus.

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 2022-08-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am not responsible for this debt, nor do I have an agreement with you. In addition, you are not authorized to collect in my state.

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 2019-11-11
Company: EQUIFAX, 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:
Had a XXXX XXXX and last Cable was paid by power of attorney but not fully. Called The company and they said any collection activity would be retracted. They are saying the item was deleted but Equifax and XXXX  are still reporting. The trade line should have Been deleted if not deleted then updated. I even disputed and they came back as accurate but it is not as it has been paid in full and even received an email for a credit back to my account from the company. Equifax and XXXX  are not reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
N accordance with the Fair Credit Reporting Act XXXX # 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 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 2019-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On the XXXX of XX/XX/2019, the creditor XXXX XXXX XXXX transmitted and requested that their trade-line be removed from my credit report. As of this date this is request has not been completed and appears to have been ignored. Attached is a hard copy of this request from the creditor asking for the trade line 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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 an account without my instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2021-09-22
Company: The Bureaus, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE 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:
I was looking at my credit report on XX/XX/2021 and notice I have unknown items on my credit report that I have no knowledge of, I have never done any consumer transaction with these businesses, my other problem is how can you let these companies furnish you with untrue, unproven and misinformation on my credit report without you notifying me that these items were going to appearing on my report, I have not given consent or authorized to do any consumer transaction with me. So I did further research and find out I was impacted by the XXXX data breach I have sent you a letter and you have not responded back to me yet!!!!!

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 2019-11-11
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hi recently paid off my loan to BarclaysUS ... I did this online for the amount of {$4500.00} and selected to pay off loan and was given a payoff amount, so I paid off the amount. This morning at XXXX XXXX  I receive an email stating my loan paymnentin the amount of {$150.00} is due on XX/XX/2019. 

So I called and spoke to Ms. XXXX and was told that I had to go online and stop the auto pay and that it wouldn't do it itself. I told her that it wad my intention to pay off the loan and that amount was the payofff amount I was given online. She said I have a balance of XXXX cent. XXXX cent would cost me {$150.00} until I paid my loan in full! 

I don't believe this business practice and need help to fix this. 

Barclays 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 monetary relief
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Reporting Act XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without 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