BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: Capio Partners, LLC
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:
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I opened a card at Target and was approved for a {$300.00} credit line from the Target credit card. When I received my card when I went to acitivate my card the number for activation took me to a recorded message that sold XXXX products. I immediately though that I must have dialed the wrong number. I dialed it again and only to get the same results. It had no other options for getting to a customer service provider or to activate my card. I decided to activate my card at the Target store where I was shopping.I was informed that I would need to activate my card online. When that was done. It worked and it said that my card was activated. When I went to use my credit the teller informed me that I needed to reapply. I believe that she switched my card without my knowledge to a debit based target card which I was unaware of. As I made my payments on- time and correctly according to the terms of agreements. The target customer service members would constantly tell me I owed more money and that my payments were behind. I reached out several times to Target customer service people, managers. Somehow I was informed that XXXX XXXX   was involved in my credit payment history and managing my account. They began to be managing two additional credit cards that I obtained during similar times. I was sure that the information in the brochure when I got my card said another company was the financial underwriter. XXXX XXXX began taking the payments that I would send for payment and still telling me that I was behind in the payments even though on some occasions I paid multiple times. Who is XXXX XXXX and how were they capable of intercepting my accounts so easily. The payments that were made to pay off my small balance were taken and used for large fees that they began telling me that I owed. Please inform whomever is necessary of this scam. I have paid my account in a timely manner and it was intercepted through the customer services representatives and the telephone customer service representatives that your Target stores employ. How else can I keep a good account if your customer service workers, cashiers and telephone customer services employees are unscrupulous!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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:
My capital one account is showing 30 days past due on my account which is incorrect. My most recent payment was on XX/XX/XXXX for the amount of {$65.00}. And the payment isn't due again until XX/XX/XXXX. I have never made a single late payment on this account, and it is showing as closed, past due and decreased my credit score by 113 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I would like to dispute the following collection company " XXXX XXXX '' which I just learned is a scam company. While in the process of working on my credit I was contacted by " XXXX '' regarding the debt bill. Desperate to get this off my credit I was under the impression that I owed them but after further investigation, I learned that I wasn't supposed to pay " XXXX '' anything and never should have paid " XXXX '' anything because they were never a creditor of mine nor had I ever signed anything stating otherwise. 
. 
I'm requesting that all further actions from " XXXX XXXX '' be stopped, they can NO longer contact me, remove their name from my credit report and refund the payments that have been paid to " XXXX XXXX '' Thank you for your assistance with this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
A merchant tried to debit my account of {$500.00} ( not the exact amount but around that amount ), but my account did not have sufficient funds to cover the transaction. BBVA, my bank, blocked the transaction and still charged a fee. I do not think that's consumer friendly, and is a practice that they allow to profit from. Had the transaction went through, I would completely understand the fee, that's practical. However, the transaction did not go through. So, BBVA think it's ok to charge me a fee because of the attempt. That does not make sense at all, it is not consumer friendly. That's like me attempting to buy something  from XXXX, and my card gets declined. But since my card got declined, XXXX decides to charge me a {$38.00} fee. Not good practice at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
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: Their investigation did not fix an error on your report

Complaint:
I am requesting a re-investigation and a provide method of verification of the bankruptcy listed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: American First Finance, 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:
Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my XXXX XXXX by reporting fraudulent accounts, this constitutes the crime of defamation. I sent XXXX XXXX XXXX a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: KEYCORP
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I am a clerk for USPS and I have been off work all year due to Covid 19. I was due to receive unemployment benefits for the entire year. Key Bank was to mail out the card by XXXX XXXX,2021. The card hadn't arrived and when I called to inquire about it, they told me that XXXX was spent from the card. I put in a dispute on XX/XX/2021. Yesterday, they sent me correspondence saying thee investigation was closed and i am responsible. I never received dispute papers and when I try to call I am on hold for two hours only to be hung up on when someone gets on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, TX. The cash price of the car was {$17000.00}. I put {$200.00} down. The dealer convinced me I needed debt cancellation for an additional {$790.00}. I was also sold a preferred protection plan for 72mos or 70k miles for an additional {$2800.00}. Total financed at 12.54 % interest was {$21000.00}. my monthy payment is {$420.00}.
1 ) Dealer overcharged on price of car and products.
2 ) Single divorced parent of XXXX children with no knowledge of auto sales, taken advantage of by dealer and lender.
3 ) Ally Financial paperwork requesting extension and deferral of two payments to make loan current was approved on XX/XX/XXXX. Approval and proof of transmission of paperwork in hand.
4 ) Ally Financial in process of repossessing vehicle.

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 2019-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On ThursdayXX/XX/2019. I noticed that my personal checking account and the joint account I shared with my wife were both in the negative by approx. {$1800.00}. I called my wife and asked her to check her account and it too was in the negative by the same amount. I deduced that this was the Ma. DOR debiting what I owe from my account. Fair enough. On Friday XX/XX/2019 my paycheck for {$1000.00} ( Approx ) was deducted from the negative balance in my account leaving me with a negative {$770.00} balance. I figured they would deduct the remaining balance from my wife 's account and that would be that. Checking my wife 's account we discovered that they had taken the entire {$1800.00} from my wife 's bi-weekly paycheck leaving us with {$200.00} to our names. I assumed they would refund my check back into my account since they now had over {$1000.00} more than the DOR had ordered them to hold. As would be the case many times over the next few days I assumed they were an honest company, this is far from the truth. I went to the DOR  and spoke to the tax examiner assigned to my case who told me that if the amount I owed had been deducted from my account that the lien could be released and my funds returned to me. Bank of America has refused to return my funds. It has now been a week and I've had to jump through hoops to avoid anything from being deposited into my account for fear that they will simply steal it as they previously have. I am at a loss as to what to do, but their action is criminal in my book and should not go unpunished. If I ever get my funds back I will close any account I have with them and urge anyone I know not to use this criminal organization.

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 2021-05-21
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
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: Investigation took more than 30 days

Complaint:
On Friday, XXXX, I received a call from my mortgage officer ( my wife and I are purchasing a home in XXXX ) informing me of a raised flag when pulling my credit score. Two of the three credit reporting agencies were within the range he and I projected I would be ( XXXX : XXXX ; XXXX : XXXX XXXX, but the third, XXXX  was significantly lower ( XXXX ) due to a private student loan account reporting 90+ days past due. Immediately upon learning this, I ask that he provide any information he had regarding as I was completely oblivious and unaware. After receiving the information, I contacted the Texas Higher Education Coordinating Board to inquire further why I was not made aware of the past due balance and pay the entire balance in full. The Texas Higher Education Coordinating Board informed me that though they did have my current address on file, all correspondence previously mailed to my address was returned to them from the post office ( it is important to note, I receive mail every day to this address without issue ). 

Additionally, they confirmed they did not attempt to notify me beyond the mailers, which were ultimately returned to them. Knowing this, I agreed to pay the balance in full and submitted the payment the same day ( XXXX - the same day my mortgage officer first made me aware ). I also requested the Texas Higher Education Coordinating Board remove all 'Past Due ' reports submitted to XXXX as their records reflected and confirmed I was not ever adequately notified. The Texas Higher Education Coordinating Board denied my request and refused to provide any justification or supporting evidence for their denial. 

Before ending the call, I voiced my concern about the unfair treatment I felt I received and that I would be forced to exercise my rights as a consumer submitting a claim to the Consumer Financial Protection Bureau ( CFPB ) ; their response : " go ahead. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am working with the XXXX XXXX XXXX XXXX  to refinance my mortgage. They have reached out to me for a loan closing statement and amount which Specialized Loan Servicing holds. Neither XXXX   nor I can reach anyone in SLS or their parent XXXX XXXX. I am trying to close by end of XX/XX/2020 and need this payoff amount or I will be in financial harms way without SLS responding to my and XXXX needs. There are numerous online complaints and federal filings regarding this fraudulent company. How do I get resolution and QUICKLY!

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 2020-01-26
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:
On XX/XX/2020 I submitted a notice Of inaccuracies on my credit report via certified mail. 
Certified Receipt : XXXX Certified Receipt : XXXX Certified Receipt : XXXX Pursuant to title 15 1692 ( f ) define payment : commercial development of oil, natural gas, or minerals includes exploration, extraction, processing, export, and other significant actions relating to oil, natural gas, or minerals, or the acquisition of a license for any such activity, as determined by the Commission ; The debt has been paid Pursuant to 15 U.S. Code 1692e. False or misleading representations You are in violation Please show original contract ( wet ink seal ) Show me the contract where you have permission to use my name?

In order for any contract to be legal, lawful, and valid, it must con tain all 4 of the following requirements. If any 1 is missing, incorrect, or otherwise invalid, the entire contract is considered breached and unen forceable. A contract must : # 1 Provide full disclosure of all the terms of the contract.

# 2 Provide equal consideration from both parties to the contract.

# 3 Provide for and evidence lawful terms and conditions. AND ...

# 4 Contain signatures of both parties to the contract, signifying a meeting of the minds.

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 2018-04-06
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Submitted a XXXX payment to my XXXX XXXX from Ally Bank but I have never received it. Contacted Ally and XXXX XXXX but they keep on saying that it's not their fault. Submitted supporting documents to Ally that I have not received it but they are unwilling to resolve 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 non-monetary relief
Consumer complaint received 2019-11-14
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I was going over my credit files with my attorney and we noticed a lot of unknown addresses and a few errors in the information on my credit report. My name is XXXX XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX my DOB XXXX. Please delete any and all information other than the above spelling of my name. 
The following accounts need to be deleted : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting inaccurate information on my credit file. They are reporting a very old debt from XXXX that is over 7 years old and past the statute of limitations. This debt was charged off by XXXX on XX/XX/2010 and has been reported as bad debt on my credit report for over seven years, exceeding the statue of limitations.

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 2016-11-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
someone used my name for 10 inquiries with out my permission at Equifax credit burea sent Equifax a letter with picture ID disputing it. All auto dealers think it was a relative because they knew my ss number.Equifaxdid not investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, 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:
I sent in dispute letters certified for transunion, experian, equifax and have not received result status nor any response. The date for my dispute letters to all company 's is XX/XX/2021 it has been more than 30 days at this point and I have talked with them to dispute everything because FCA 30 days non response. Every letter has date and information in yellow which I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Re : XXXX XXXX XXXX Account # XXXX, " XXXX '' Account : XXXX. Since 2017 XXXX XXXX XXXX has been trying to fraudulently shake me down for a {$150.00} fee that they said they had waived. I complained to FTC previously about this and XXXX XXXX XXXX sent me a letter saying that that this fee had been waived but they sent me over to collections anyway and my XXXX XXXX XXXX Account says I still owe them {$150.00}. My credit rating is fraudulently lowered to XXXX because of this. I have three separate collection agencies in 3 different states billing me for 3 different amounts of money now : XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, fl XXXX : {$150.00}, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. Creditor Acct. # XXXX : {$89.00}. XXXX XXXX XXXX  ( XXXX XXXX ), Account # XXXX, XXXX, OR Telephone XXXX : {$89.00}. I would like these adverse credit data removed from my XXXX XXXX XXXX account & all three ( XXXX XXXX  & TransUnion ) credit reports forthwith. I believe this form of Consumer Fraud is endemic in our nation and adversely affects millions of citizens. This shows that the Credit Reporting industry is inherently corrupt, contrived & engineered to intentionally defraud consumers through denial of credit & higher credit rates via this form of unconstitutional legal procedural chicanery.

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