BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: MIDFIRST BANK
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We are on the COVID relief plan and were told that nothing would be reported late. We received the deferment but Midland reported our payments 6 months late even though it is not supposed to be reported late since we are on the COVID relief.

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 2020-11-28
Company: SUNCOAST CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by XX/XX/XXXXwithout me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: MO
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 sent a letter on XX/XX/XXXX XXXX XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX SXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX ( Original CreditoXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : {$610.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In XX/XX/2020 I was furloughed from my job that I held for XXXX XXXX at XXXX XXXX. Through NONE of my own decisions, choice or actions did I want to lose my job. The government shut us down because of Covid. I was in no way shape or form prepared for what that entailed for the next couple of years. Prior to the pandemic, I had a 100 % payment history, not one single collection or negative mark whatsoever on my credit report, check and see for yourself. I didnt ask to be furloughed, I didnt ask for not a single bit of that traumatizing and life altering event in my life. Now the end result of not being able to pay my bills, about XXXX negative collections on my credit report, I lost my vehicle to repossession when it was so close to being paid off, I cant even get a loan or a bank account at this time. Im nothing but a huge risk to everyone. Why? Because I lost my job due to a global pandemic that I had no control over?! Thats insane. I absolutely feel like people who were in the same boat as me should be given leniency and these negative things be taken off of our credit reports immediately. This is not fair at all. Covid has literally ruined my credit that I worked so hard for and now Im being punished extremely wrongfully due to something out of my control, a world wide disaster. I am a Government employee now, Department of Treasury, and I can not even open up a checking account at XXXX XXXX XXXX due to this. I feel like this is such a huge issue for some of us and I will not stop fighting until we get the relief we well deserve. Please, mentally and emotionally and physically, Covid has reeked enough havoc in our lives, now we have to live with this affect as well!? Im genuinely a good person and I would appreciate it so much if we could do something, anything, to help us people who are still being punished by that nightmare. Please take what I have said into consideration and I pray that you can put something into place to help us go back to a semi normal life again. Its been enough for way too long already as it is. Thank you for your time and understanding. Looking forward to hearing back from someone soon. Thanks again.

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 2021-07-19
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:
Transunion customer service would not help and take care of the negative inquiries reporting to your credit report. From 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 2023-02-14
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:
XXXX XXXX is reporting a collection to XXXX, TransUnion, and XXXX that is not valid and is violating my rights as a consumer, 15 USC 1692g

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 2023-03-28
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: Their investigation did not fix an error on your report

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or correct the following items that are hurting my credit. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Certegy Holdings, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
never received anything in the mail from this company. They never have said this was an attempt to collect a debt in any of their conversation. They refused to have a manager contact me. They refuse to send me a paid in full letter, They charged me {$60.00} per check. Which they had a total of 6 stop payment checks. Bank stopped payment in error. They refused to waive the Return check fee, even though it wasn't my fault. The people there don't seem like they know what they are doing. Different stories. spoke wit hXXXX ID XXXXXXXX. refused to allow me speak to a manager. Refused to give me a paid in letter, refused to give me a letter stating how much they charged me in fees. I also re guested for them to send me a letter who they were. Refused. Which should have been sent to PO BOX XXXX XXXX, GA 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 2019-10-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2019i sent payPal/ Synchrony a dispute via USPS certified mail. Neither responded in the 30 days required. Neither reported to the credit bureaus this account wa being disputed. As a matter of fact they reported the account in question closed saying I requested ot which is a lie I never did. Both PayPal and Synchrony bank responded nearly 3 months later and knocke my credit score 35 points down and are continuing to report late. I never signed an agreement with Synchrony nor did I get an assignment letter. Instead they created a new account with a new acoount number and attempt to collect payment for which they were not legally authorized to do never sending my payment back to me. They still refuse to remove from my credit report. I have never made one transaction when Synchrony claims it serviced my account. I have zero obligatins to Synchrony and both companies are attempting to collect as I have letters from both Synchrony and PayPal seperately. Paypal was intermingling regular Paypal and charging me cash advances for transfers of my own money not separating a store credit and regular PayPal. They also werent applying credit to a special financing perchase for months until it was nearly expired.

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 2023-03-07
Company: EQUIFAX, INC.
State: CA
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 following account companies have violated my rights. 

- VXXXX 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 XX/XX/XXXX 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 with 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 2019-10-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I applied and was approved for a USAA card and a card was supposed to be mailed to me within 10 business days. When I did not receive the card within that time I called USAA and they told me that the card had been activated and used to make over {$9000.00} in charges at XXXX, XXXX XXXX, and a vending machine. I disputed these charges and the XXXX and vending machine charge were removed. USAA determined that the remaining {$4000.00} did not have sufficient evidence of fraud despite my assertion that I did not make these charges and evidence I provided to back up the claim. The person who activated the card used a phone number that appears on my credit report, but is a fake number that I have never used and no telephone company has any record of being in service. They supplied personally identifying information, which I believe to have been obtained through a data breach at XXXX and possibly USAA itself. Apparently the receipt at XXXX XXXX has my named typed onto it and the vendor is saying that someone would have had to show an ID in order to make the purchase.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23
Company: Stellar Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX {$1700.00} dollars was taken out of my account with no notification of this money being owed. Credit office has been contacted and they stated they sent a notification in XXXX to an address where I no longer reside. I asked for a breakdown and what this is for and have not received any correspondence. I am a single parent with XXXX children, this was everything I had in my account.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am unable to receive the Capital One card Therefore, I have no card to reference when calling in. I just want to receive the card and request an increase for my business. I have called and left a low rating on the survey regarding the POOR customer service received. From there I received a call to follow up as requested but still have not received a card and it was issued in XXXX according to my credit report. XX/XX/XXXX, XXXX XXXX XXXX XXXX from the Survey called and I return the call several times but to no avail. I did not get response. I was able to request the card later with someone but still no CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-07-23
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was out of the country for over 105 days. and my automatic payment with XXXX XXXX was missed. XXXX XXXX and TD Bank sent me a letter of this not an email which would have allowed me to reinstall the insurance. TD bank charged me at the rate of {$350.00} per month when my normal home insurance was {$60.00} a month. They charged me the insurance in arrears as the period had already happened, Insurance cancelled XX/XX/2020, I returned to see the mail XX/XX/2020and I will pay this black market rate or never clear my mortgage. This is insurance usuaryand is unacceptable. 
Upset I went to pay off my mortgage on XX/XX/XXXX less the insurance charge. Today XX/XX/2020 I find they have not credited my mortgage payment yet, my bank account balance was deducted immediately.. Even though I paid the full mortgage balance plus accrued interest through XX/XX/XXXX, I find they are still charging me interest on the full mortgage balance through XXXX. I believe this to be illegal. Covid 19 allows the bank excuses the call center phones are backed up, TD '' s mortgage section can not give you a true payoff, and they can only correspond with the mortgage originator not talk to them and they work for the same company. This kiting practice should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-03-11
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
As of XX/XX/2021 Experian is not allowing me to provide additional information regarding a disputed item. The dispute says submitted but when I return to the dashboard it has not been submitted. The account in question has been removed by XXXX and XXXX and it is unfair and discriminatory not to remove it and not to allow me an opportunity to provide documentation.

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 2018-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have disputed XXXX XXXX XXXX  on my credit report as identity theft by mail, I sent all documentation as required ( Identity Theft Affidavit & Police Report ) more than 30 days ago, and they have not started the removal process or investigation..

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 2019-10-23
Company: Certegy Holdings, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The bank-XXXX put accidentally a stop payment on 100 of my checks not 10. I wrote checks to XXXX who sent them to XXXX. XXXX has never sent me a written notification about the checks. They ran the payments thru my account a second time but charge me {$60.00} per checks fee. I paid the amount and requested for them to send me proof of payments and the amount I paid in return fee 's, they informed me 1st they don't send those type of letters. I then ask for them to send me the paid n full letter. they then told me their systems was down, after I demanded they send me the 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 2023-01-09
Company: Experian Information Solutions Inc.
State: OK
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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