BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capitol One Credit Card repetitively places my credit card payments on hold when my payment amount exceed {$200.00}, Although my account has no recent returned payments. I am being penalized. I make my payments from external accounts that are on/have been attached to my account since the issuance of my secured credit card. As of recent. XX/XX/2021. I made a payment of XXXX from my XXXX XXXX acct. I have made numerous payments from this account over the history of having this credit card. Yet- Capitol One held the payment for XXXX for 10 business days and I was provided no interest for my held monies on this secured credit card. XX/XX/2021 I made a payment from my Capitol One Checking acct in the amount of XXXX and these funds have been & are currently on hold for 7 business days. Again I gain no interest on my monies that are being held. The payments for XXXX and XXXX cleared my bank accounts and was deposited into my Capitol One Credit Card acct between 1-2 days. I have transaction transmit confirmation from my Checking acct to support this statement. Capitol One Credit Card has no reasonable justification to repeatedly hold my credit card payments. Not allowing me access to these monies. Capitol One Credit Card actions repeated has caused me undue financial hardship. During this time of pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$540.00}

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 2023-10-03
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, I made a payment for my XXXX XXXX card using an ACH using my robinhood checking/brokerage account. 

On XX/XX/XXXX, the payment posted in robinhood as a ACH XXXX XXXX XXXXXXXX XXXX. 

Robinhood declined the transaction ( even though I had enough money to cover the payment ) and FROZE my account. 

The payment in robinhood now says : State Failed Account Frozen The transfer could not be completed because your account is currently restricted, frozen, or temporarily closed.

I need to pay my bills and pay my rent!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/18 I signed up with XXXX XXXX auto pay option. I used the web site and agreed to the option to withdraw the total amount due. During the month of XXXX I made three payments ; the 2nd of {$550.00} the XXXX of {$300.00} and again on the XXXX of {$350.00}. I received an email stating that my XXXX payment as been met and that my next payment of {$460.00} was due on XX/XX/18. On XX/XX/XXXX auto pay attempted to withdraw the monthly payment of {$550.00} which caused a NSF charge on my account. I spoke to many customer service agents and they insisted that I signed up for the regular monthly amount and I should have read the fine print, but could not tell me here the fine print was or what it said.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
SunTrust ( Truist ) closed my business account ( XXXX XXXX XXXX XXXX ) back in XXXX of 2020. I deposited a check for {$500.00} for services rendered. The check cleared the XXXX XXXX account from which is was drawn on. Suntrust Bank has been extremely difficult and refuses to get me the funds I deposited into the business bank account. Over 60 days have passed and I still haven't received my legitimate funds that were deposited. 
XXXX XXXX account name : XXXX XXXX Check Written to : Set them free foundation ( Suntrust Account ) Check Amount : {$500.00}

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 2019-03-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The payment is showing late on XXXX XXXX by mistake. I would like a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-30
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX ON XX/XX/2021 - THEY RAN MY CREDIT WITHOUT MY AUTHORIZATION

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: National Credit Systems,Inc.
State: CO
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:
NOT A DUPLICATE COMPLAINT XXXX  XXXX XXXX   has already conceded that for three years they were damaging the credit of my wife and I even though I had notified them of their mistake on multiple occasions. 

They only and finally took action on my account as it relates to the first of four errors I pointed out in my last complaint ; that they can not legally seek two forms of recovery for a single financial harm. To date, they have not even updated their credit reporting to adjust their mistake. This admission of violation of FCRA law carries a {$1000.00} statutory penalty. 

In electing the financial penalty based on a failure to provide sixty days notice amounting to roughly {$1600.00}, the total amount they now claim we owe is still three times their actual financial damages. I believe XXXX XXXX re-rented my unit on XXXX, which would make their actual damages roughly {$640.00}. Seeking to collect financial recovery in a contract in excess of actual damages is recognized as a " penalty in contracting '' and is barred by federal law, as I referenced in my previous complaint. 

Included in the charges are roughly {$300.00} for alleged physical damages to the property including cleaning and painting the unit. Under Colorado law, the burden of proof for keeping a security deposit against actual damages lies with the landlord, but XXXX XXXX has provided no evidence of any damages. As such, my security deposit was improperly withheld and though I have lost my chance at treble recovery under statute, I am still owed that {$250.00} by law. 

The {$500.00} liquidated damages charge is the only legitimate portion of this debt and I have ALWAYS been willing to pay this amount, but XXXX XXXX and their collections agent Nation Credit Systems, INC have insisted on collecting only the inflated false amount. 

In a Colorado Court of Law I am legally entitled to {$750.00} from XXXX  XXXX XXXX for furnishing an pursuing a false debt, and improperly withholding my security deposit, against the {$500.00} I rightfully owe them. Their admittance of fault in my last complaint and lack of proof of damages shall serve as my evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Thursday XX/XX/XXXX my loan was cleared to close. On Friday XX/XX/XXXX the closing was cancelled a hour before scheduled closing due to findings on current property. My mortgage broker and myself have been reaching out for answers since the closing was canceled. Today we were told the loan was denied due to the rental agreement being adding after the Debt to income was an issue. This is within QL guidelines. My dti was well below 50 % even without a lease. XXXX didnt like it above 37 % dti so we provided a lease.This issue came up and was resolved after the lease agreement was provided. If this was truly a problem this loan would have never been cleared to close. The ideal of me getting a new property was to use my current property as an investment property. When the debt to income issue came up I just provided the rental agreement to show the property will be rented. The renter lease agreement started XX/XX/XXXX. Now I am in a situation where I have no where to live. Legally I can not evict the renter. I did everything right to make sure there would be no issues during this process. I spoke With multiple people at QL and other lenders about this situation. It does matter what time during the process you resubmit the rental agreement. That should not be a reason to deny the loan. The house is current being rented. The rental agreement starter XXXX and my loan is being denied on XX/XX/XXXX due to a issue with my current home being rented. If the house is currently being rented why is this a issue? No one has ever seen this issue. I honestly feel like I am being discriminated against. I also contacted multiple people by email and no one responded. I am currently homeless. No one from QL would speak to me on this issues. My mortgage broker and real estate agent all feel I was discriminated against and treated unfairly. No reason my loan should have been denied. I also lost all the money I invested in the property during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my 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

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to have 10 different hard inquiries removed that are not affiliated with any open accounts on my transunion report due to fraud that are currently stopping my credit worthiness to be better then it is Ive reached out to transunion a few times and hasnt had any success with response or removal

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 2020-07-28
Company: Ascendium Education Group
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ive paid off the loan as of XXXX XXXX. I paid this loan on a settlement price of $ XXXXto XXXX XXXX XXXX. Upon payment they informed me that XXXX/ascedium wasnt taking incoming calls at the time to resolve the issue in my credit report. XXXX XXXX XXXX  deleted my account with them as soon as I paid the settlement amount and the payment cleared. Im calling them to receive an XXXX  balance report they told me they couldnt because they deleted my account. I finally got ahold of XXXX/ascedium and they told me they would not email me a copy of my XXXX  balance I would have to wait for a letter in the mail which could take up to 45 days. I informed them I needed this to be resolved for a mortgage loan. I provided them all documentation that it was paid and cleared. They still have refused to remove it from the credit bureaus as paid in full and in good standing. I have all documentation proving it was paid and has cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Equifax and XXXX XXXX  are reporting erroneous and unsubstantiated information on my credit report. Each time I request a removal or an explanation from the source providing this information ; I get the generic response from Equifax and XXXX XXXX " This information meets the FCRA ''. They do not provide documentation which supports these erroneous entries on my credit report. I have contacted the courts as well as the IRS who have stated that they do not report or verify any information to the credit reporting agencies and they do not have any such information in their systems to support these reporting on my credit report. I have requested that Equifax and XXXX XXXX  provide me with the source in order for me to address this matter with them directly. Equifax after several attempts to retrieve this information, finally stated that XXXX XXXX was the source. I contacted XXXX XXXX who has provided documentation which states that the information could not be verified and would be removed from their data base. I sent this information to Equifax and XXXX XXXX last year and they still refuse to remove this very damaging and inaccurate information from my credit file. I am attaching the correspondence and communications to and from Equifax and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield has been attempting to collect on an alleged debt that was sold to them by my old Apartment complex in XXXX. During the move out process and apartment review, my roommates and I were offered by the apartment complex and chose to pay for an " express move out service '' which included a " professional carpet cleaning '' which would take place after moving out. 
After moving out, the apartment complex replaced the carpet without realizing the carpet had not yet been cleaned. They then charged us for the carpet replacement. We reminded them we paid for the carpet cleaning, but they said they had forgotten and opted to replace the carpet as they carpet " looked too worn ''. We said it was not our fault they had replaced the carpet without cleaning it first and per North Carolina regulation that we were not responsible for a replacement as the carpet did not exhibit anything beyond normal wear and tear. 
In XXXX of XXXX this debt was sold to Hunter Warfield. In XX/XX/XXXX we received our first collection attempt from Hunter Warfield and requested that they verify that we were responsible for this debt, as we knew they could not given that the apartment complex had broken their agreement, and that per North Carolina regulation we were not responsible for replacing a carpet that exceeded normal wear and tear. 
They did not verify the debt and in XX/XX/XXXX reported it to XXXX. At that time, we reported this violation and XXXX  removed the collection account from our credit reports. In XXXX, Hunter Warfield sent incomplete verification information. We contacted them again through our attorney to let them know that this did not verify the debt and they should cease all collection activities until first verifying the debt. 
We did not hear anything past that point in time until XX/XX/XXXX when they reported the debt to a different credit agency, XXXX  this time. We have initiated the dispute and contacted them to let them know they would once again be violating FDCPA if they did not withdraw the account. They sent back the same incomplete verification information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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 2023-05-16
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: Information belongs to someone else

Complaint:
Accounts listed on my credit report that i never applied for are stopping me from buying a home for my family.

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 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.	

AS STATED IN THE FCRA, YOU ARE REQUIRED TO RESPOND TO MY DISPUTE WITHIN 30 DAYS. IF YOU FAIL TO OFFER A RESPONSE, ALL DISPUTED INFORMATION MUST BE DELETED. ALL RELEVANT DOCUMENTATION IS ATTACHED FOR REVIEW. I THANK YOU IN ADVANCE FOR YOUR PROMPT RESPONSE AND RESOLUTION OF THIS ISSUE.

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 2021-07-07
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I received a letter dated XX/XX/ application number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that they are unable open an account in my name dated XX/XX/2021 and they needed further information I did not attempt to open an account didn't apply online or any other manner to open an account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief