BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Capital One Account # : XXXX I was never late 30 days in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
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 fraud alerts or security freezes

Complaint:
On XX/XX/2018, I attempted to check the status of my security freeze at Experian via their website ( where I created the freeze a while back ). There is no account login option on their site unless you are a paid member. To check the status of my freeze ( i.e., remove the freeze ), I input all my correct information and the PIN I created. I then received an error that said, " We were unable to honor your request to permanently remove your security freeze based on the information you entered. '' It then instructed me to mail several pieces of highly sensitive information and documents to complete the unfreeze. This appears to be in violation of the FTC rule that states, " If the request is made online or by phone, a credit bureau must lift a freeze within one hour. '' XXXX and XXXX, in contrast, both offer free accounts that easily provided me access to my credit freeze 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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX, # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following fraudulent accounts off my Credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. UNder the FCRA section 605b, you are required by law to remove these accounts off my Credit file since these accounts resulted due to my identity being stolen.

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 2021-11-27
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report is fraudulent and unauthorized : XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX Bank, XX/XX/XXXX, XXXX DC Bank XXXX XX/XX/XXXX, XXXX Bank Delaware XXXX XX/XX/XXXX, TD Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Bank XXXX Credit, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXl, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX and XXXX XXXX Bank, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 a statement was sent directly to Telerecovery XXXX letting them know I have no knowledge of the debt they are wanting to collect. There is also no written contract between us. I know nothing about this debt which is not right. They continue to call during busy work hours as well no matter what.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My Name is XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX made hard credit inquiry that was unauthorized.. 



Thank 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 2020-11-29
Company: Experian Information Solutions Inc.
State: NC
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:
Experian continues to reinsert this trade line. The information isn't correct or 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 explanation
Consumer complaint received 2020-10-18
Company: EQUIFAX, INC.
State: CT
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 have inaccurate information been report and this company is doing nothing to help or investigate, i have not received any respond i been totally ignored. 
I sent the first letter on XX/XX/2020. 
please see attached all letters been sent, proof of ID and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Innovis
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
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 disputed this alleged student loan account. I've previously requested to see a copy of original documents with my signature for this loan. I didn't receive the documents in 30 days any of the three credit bureaus. As I further investigated all three credit reports. I noticed the creditor reported different account balances for this account. Innovis never provided me with original loan documents with my signature for any loans or source. Im still requesting same documents or remove loans. My next remedy would be to file a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: JPMORGAN CHASE & CO.
State: TX
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:
In XX/XX/XXXX the entire credit card fee was paid off in its entirety, however then I got an interest charge of XXXX which I do not agree with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
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: Information belongs to someone else

Complaint:
I reached out to you all on last year regarding some accounts on my credit that are not mine. I have been trying to help my son get a car and also purchase a home and the Bankruptcy on my credit is not mine along with XXXX XXXX  XXXX now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I want my money from my account and all my family account connected that was suspended for unkown reasons. 
I have XXXX dollars saved in the accounts and randomly my account was suspended with no reason why. 
I can't see my money and no one will release it to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-20
Company: CERTAINTY HOME LOANS LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we closed on our home after much frustration with the lending agent, XXXX XXXX who is with the company XXXX XXXX. The house was built in XX/XX/XXXX and needed to be brought up to code with the mechanical aspects ( Electrical, Plumbing and HVAC ). We asked for a XXXX loan but was told we could do a Conventional Rehabilitation Loan. Prior to closing we were told that we needed to provide the monies for the contingency reserve as well as the monies for closing. This money was self-funded by us. It was stated that the monies in the contingency reserve would be returned to us after the work for the renovations, outlined in the contract, were completed. However now that the renovations outlined in the contract have been completed we are not receiving the self-funded contingency reserve monies back. We received documentation, to be signed, stating that the monies would be applied to the principal mortgage. This was not our understanding nor the understanding of our Real Estate Agent. When asked for the paperwork to review that showed that we didn't provide the contingency monies, it was not provided to us. XXXX XXXX at XXXX XXXX then stated that they would now leave out the contingency reserve and that we could get that back from XXXX. Our loan was sold to XXXX two months after we closed. After asking again for the paperwork to review that shows that we didn't put down the money for the contingency reserve, we still have not received it. This money amounts to almost 6K. We feel that this is a dishonest and misleading practice. XXXX XXXX required us to put these monies in reserve. We have reached out to our Real Estate Agent and they are very unhappy with how we have been treated in this whole process. They are currently looking for the closing agreement to show that we did self fund the monies for the contingency reserve. We wanted to start this process of complaint as we feel that they are not intending to return the monies we funded for the contingency reserve. Dishonest business practices like these can not go unnoticed and no one should have to go through this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TD BANK US HOLDING COMPANY
State: PA
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:
Yesterday, XX/XX/23, I received an alert that a Hard Inquiry was done by TD Card Services against my credit. I have not recently or ever applied for a TD Bank Credit Card.

This was only an inquiry and it does not appear that the credit card was approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: Prosper Marketplace, Inc.
State: FL
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:
Prosper Marketplace IncXXXX, on the first date of use ( XXXX ) was arbitrarily restricted without notice or communication. Customer Service advised via phone that card was restricted for suspected fraud but could not provide details on which specific transactions. The terms of my use can not be honored and I found the company 's business practices to be both unreliable and unethical. I made the decision on XXXX to transfer the balance and close the account. Once again I contacted customer service and was advised that the company would not support the balance transfer which I never heard and was never provided documentation for. I have never heard of a company that I could not transfer a balance from and wish to never conduct business with one of this caliber again. I was not allowed to speak with a supervisor and have yet to receive any communication regarding this card restriction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XX/XX/XXXX ... .. {$390.00} ... .Please send me original paperwork from parent company that I allegedly signed. 

XXXX , XXXX XX/XX/XXXX .... {$430.00} ... Please send me original paperwork from parent company that I allegedly signed ... 

XXXX XXXX XXXX ... .XX/XX/XXXX .... {$590.00} ... .Please send me original paperwork from parent company that I allegedly signed ... 

I contacted all of these agencies and asked for them to send me original paperwork from the parent company that I allegedly signed and they all said that is not the law and either I pay or they will take me to court. I replied, if you can send me the paperwork from the original company where i allegedly signed I will pay this debt. They all replied that's not the law and the don't have to do that ... .One of them even replied they were going to garnish my military XXXX check ... and told me to be prepared for a lawsuit. Then hung up on me. I served my country, I just want what is right. I am a XXXX Vet ( XXXX ) ... and all of this is beginning to be tough. Please remove all from my credit report Attached is copies of my Identification

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 2021-06-27
Company: CBC Companies, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I want Innovis to immediately send and mail me a complete copy of my Innovis Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2018 RE : XXXX XXXX Dear Transworld Systems Inc.,  and XXXX XXXX, I received an invoice from Transworld Sytems Inc. stating I owed XXXX XXXX money in the amount of {$400.00}. TRAnsworld File # XXXX. Transworld has three telephone numbers and three different addresses on their collection bill. When I called trans world and tried to get XXXX XXXX on the line with them in a thruway they hung up. I accused them of fraudulent billing practices. 

I called XXXX XXXX and they said this was a fraudulent collection and XXXX XXXX sent me a XXXX balance of XXXX owed. XXXX XXXX opened a case # XXXX and a XXXX # XXXX for this billing from Transworld Systems. 

I am reporting this to the Government Authorities of unlawful collection. 

XXXX XXXX will not be in my complaint as they were very helpful in the fact of informing me they did not have any balance owed by me and they sent me a XXXX balance and stated I never owed them anything that they never sent anything for collections. 


Please be advised TRansWorld Systems you are being reported for unlawful collection practices. 

Sincerely, XXXX XXXX Attached in this correspondence is a XXXX XXXX   XXXX balance statement and the TRansworld Systems Collection Bill File # XXXX Transworld Telephone # XXXX they wanted me to send the payment to XXXX. XXXX XXXX, XXXX, DE XXXX. 

XXXX XXXX XXXX, Case # XXXX and a XXXX # XXXX for this billing from Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Discover Credit Card was charged off and a 1099-c was sent out in XX/XX/2018. The credit card company continues to report a balance to credit bureau after 1099c was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have many XXXX credit cards that have been opened since my bankruptcy in XX/XX/XXXX. I have NEVER even been 30 days late on a payment with any of my cards. I went through a divorce in XX/XX/XXXX and my credit was affected, however I have worked hard to reestablish credit. I have been responsible and have always paid on time. XXXX for what ever reason has decided to lower my credit lines and even close some of my accounts. The reason given on the letters is bankruptcy and high balance. My high usuage is reflected as a result of them lowering my available credit for no reason other than because they felt they can. My bankruptcy was in XX/XX/XXXX which was prior to all of my XXXX accounts even being opened and as I said I have never been late on any payments. I do not feel it is best practices to randomly lower my credit lines when I am paying all of my accounts on time and no new purchases were being attempted. This has caused my dti to go higher and my credit score to continue to drop as a result. It should not be legal to lower an established credit line because of information reporting on my credit bureau that was reporting when the account was opened and given credit line increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Experian Information Solutions 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:
In violation of FCRA 605b and Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act Experian is refusing to reinvestigate confirmed fraud even though it has received new documentation dated XXXX/XXXX/2020. All other bureaus complied several months ago.

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 2018-09-20
Company: JPMORGAN CHASE & CO.
State: SC
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:
Chase Bank sent me an aggressive reply on this portal trying to verify their inaccurate reporting on my credit file Chase is attempting to validate charge offs with paid receipts from two PAID car loans through their company. On this date XX/XX/2018 Chase Bank is unwilling or unable to provide contracts bearing my signature obligating me to pay the amount theyre claiming.Attached is an FTC opinion letter in reference to what CHASE BANK is attempting to do. Chase is breaking the law and reporting inaccurate information. Help me obtain letters from Chase I requested contractually obligating me to pay the amount charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Nelnet, Inc.
State: WI
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 student loans that should be in deferral. I am enrolled at XXXX XXXX in a XXXX program. Nelnet, has not listened to me. I did talk with somebody once who said they would verify my enrollment. Nothing has happened. Instead, they slaughter my credit report with this. This is due to their ineptitude. XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$10000.00} 90-119 Days Late XXXX XXXX XXXX/XXXX Last reported : XXXX XXXX, 2017 {$9700.00} Good XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$9500.00} 90-119 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$8900.00} 90-119 Days Late XXXX XXXX XXXX/XXXX Last reported : XXXX XXXX, 2017 {$6500.00} Good XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$6100.00} 90-119 Days Late XXXX XXXX XXXX XXXXNeeds Attention Last reported : XXXX XXXX, 2017 {$5600.00} 90-119 Days Late XXXX XXXX XXXX XXXXNeeds Attention

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2023 {$30.00} swept from child savings account in to personal account. Requested PNC bank to remove the overdraft feature from my child savings account XX/XX/2023 along with activating bill pay feature. Bill pay was resolve but the overdraft protection was not causing my childs savings account to deplete instead of denying transactions via personal checking. PNC Bank picks and chooses transactions they deny and sweep from childs savings account. I asked repeatedly to stop this feature and just to decline the transactions if there arent any funds in my personal checking account.

Company response to consumer: Closed with explanation