BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To date I have made {$5100.00} of payments on this account. Each time I pay the money is held unless funds and payments have been verified. 

XXXX a {$200.00} charge was kicked back. I was traveling and had a medical emergency multiple XXXX XXXX in XXXX, TX and in XXXX  With all of the medical copay costs adding up it created my first overdraft in years in in XXXX XXXX  account, thus a charge back. 

I am XXXX in XXXX and believe that Capital One Bank has profiled me or hot carded me. I have multiple accounts with this banks and only have problems with my XXXX XXXX. On my XXXX account my payments clear in seconds. As a sick person during the holiday season, my payments clearing and posting is vital to my heath and for providing a XXXX XXXX to my family and friends. Thanks for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, This loan was taken out as a 0 % interested for a XXXX XXXX XXXXl. We met the requirements, paying off the loan in time. The firm in question will not close the account. Calls to customer service get placed on hold, transferred to inept people who hang up. Or just disconnect. Their misleading website provides no means to close the account. Emails to their customer support results in a reference number sent back but no follow up actions. This account remains as open and active on my credit although we've not used it and have had a XXXX balance since 2019! 

I believe this firm acts in bad faith, avoid responding to customer inquiries and requests, and would submit that they should be banned from doing business. 

This is marketed as TD Retail / XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions 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 already sent few rounds of dispute about them. I believe that someone have my personal information. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private 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 non-monetary relief
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-12-08
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Amount {$1100.00} Date Unknown Hi, I have tried countless times to dispute the issue with LVNV and XXXX every time I call and provide my information they tell me that they can't help me because the social security number they have does not match my account however they continue to report this account on my credit report. They even told me that the social security does not match it has my name and therefore I am responsible for the account LVNV Funding LLC RE : Validation Requested RE : Account # XXXX To whom it may Concern, I dispute your claim and I am requesting validation from you under the fair Debt Collection practice ACT 15 USC 1692g SEC 809 ( 8 ) FDCPA. Provide a breakdown of fees including how you calculated what you claim I owe. Please provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect a debt in my State. Please send this information to my address and accept this letter as my formal debt validation request which I am allowed under the FDCPA. I will await your reply with the above requested proof Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Formerly, I made an investigation of some accounts with inaccurate information and after checking your response I recognized that some accounts are still incorrect, with a confirmed status. Please correct the following accounts : 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 I need you to remove the negative statements from my Credit File in order to report accurate information on my Credit File. If you can not prove that what you are reporting is accurate, I need you to immediately remove the disputed accounts off my credit File.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Mr. Cooper Group 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: Investigation took more than 30 days

Complaint:
I was recently trying to refinance my mortgage and the lender notified me that I had two instances of 30+ day late payments from Mr. Cooper XXXX I called Mr. Cooper, submitted details to their escalation team and have still not heard back from them. I believe that these late payment ( s ) should be removed due to several reasons : * I was unaware of my Servicing being transferred to Mr. Cooper ( from XXXX ) in XX/XX/2021. 

* I was set up with auto pay with XXXX and this was not transferred. No one at Mr. Cooper attempted to reach out to me to let me know that payment was due. 

* I only became aware of the servicing transfer from my lawyer who tried to get a pay off quote from the previous servicer ( and was notified that it had been transferred ). 

* I called in to Mr. Cooper on XX/XX/2021 to request the payoff quote amount and the customer service rep did not inform me that the XXXX payment would need to be provided that day to avoid reporting late to the credit agencies. She provided a payoff quote reflective of the amount due if paid off in full the next week ( XX/XX/2021 ). She said any payment would impact this payoff # that I needed to give to the lawyer that day in order to close on the sale. 

* I paid the loan off in full on XX/XX/2021. Yes, my servicing was transferred unknowing to me while I was in the process of selling the property and moving to a new property. 

This has negatively impacted by credit and caused me to be declined for a refinance transaction which would have saved me thousands of dollars over the life of the loan. This was driven by operational issues related to the servicing transfer and miss-communication from the Mr. Cooper representative XXXX not a true credit/delinquency event.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX  : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX | XX/XX/2022 : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX | XX/XX/2022 : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/2022 : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX  XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX  XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.

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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I filed a complaint against all 3 of the reporting agencies last month XXXX XXXX  in reference to improper credit reporting and unlawful reporting as well as multiple violations committed by sub reporting agency XXXX XXXX. 
My information was disputed and confirmed inaccurate by XXXX, however, the other major agencies, ( XXXX, XXXX XXXX transunion ) have reported information on me without pemissible purpose 15 USC 1681 B ( a ) ( 2 ) and Right to privacy 15 USC 1681 ( a ) ( 4 ), and finally 15 USC ( a ) ( d ) ( 2 ), Exclusions pertaining to consumer report law, in reference to reporting late payments within transactions. 
These agencies have violated my rights and violated the law! 
As the overseer of these reporting agencies, I am requesting that these violations be removed from my bureaus effective immediately, and my scores returned to their proper levels, ALL OVER 800+ Thank You XXXX XXXX XXXX XXXX.

Company response to consumer: In progress
Consumer complaint received 2018-09-14
Company: AMERICAN EXPRESS COMPANY
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 rewards from credit card

Complaint:
XX/XX/XXXX. Had XXXX points in my Amex account. I called to see if the miles were there to reserve 2 air tix to XXXX ( bid class ). They told me yes go ahead and reserve. I did. Transferred XXXX to my wifes XXXX acctbthen when I went to transfer mine, it was denied and said it was being reviewed. Now mybreservation will be cancelled and my wifes points are not able to be returned. I have XXXX miles in the account but they have frozen those

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: FL
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
calls received and unknown or unrelated to the person they intend on reaching, I calmly asked to not call and remove me from calling list and call persist. 
very rude and nasty even when told not to contact my wife again that they had the wrong person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: TD BANK US HOLDING COMPANY
State: NV
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:
My credit card was stolen on or about XX/XX/XXXX ; upon learning of this situation I immediately contacted TD Card Services and reported my XXXX XXXX Client Rewards Visa credit card stolen on the same day of XX/XX/XXXX. TD Bank Services assigned this as case # XXXX. TD Card Services closed my account immediately to prevent further unauthorized charges and mailed me a new card ending in XXXX. TD Card Services said I would not be liable for any unauthorized charges which is pursuant to their terms and agreement. During the call, TD Card Services identified two unauthorized transactions of {$230.00} and {$230.00} made on XX/XX/XXXX, the same day my wallet was reported stolen to them. These two transactions were the only two identified as unauthorized and the bank assured me this is protected by their zero fraud liability protection since I had reported my wallet stolen promptly. 

I received a letter dated, XX/XX/XXXX stating that no billing error occurred and that I was responsible for the charges. I did not receive any type of proof documentation by TD Card Services supporting the reason for their decision. I immediately called TD Card Services ( XXXX ) and was told that " since no more attempt to charge the card was made after XX/XX/XXXX ; they therefore assume the charges as valid '', this is the most absurd reason I have ever heard. The reason TD Card Services has given me to support their validity of the charges does not make sense and lacks any type of credibility and logic. I know for a fact that the bank is in violation of its terms and agreements and also in violation of federal law for re-posting these charges which are clearly fraudulent as a result of my wallet being stolen. The bank has not presented any paperwork evidence to support their position which is unacceptable on all levels.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive contacted Transunion, XXXX, and XXXX about inaccurate balance for XXXXXXXX XXXX XXXX The balance is showing up {$360.00} and {$360.00}.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: IN
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: Problem with personal statement of dispute

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 2023-12-08
Company: Maximus Education, LLC dba Aidvantage
State: PR
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:
I paid my student loan through AidVantage on time on XX/XX/XXXX  and it reported a late payment on XX/XX/XXXX  affecting my credit score. It's extremely difficult getting ahold of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called the credit reporting agencies letting them know the inquiries and accounts are unauthorized/ not supposed to be visible on my consumer report. Never gave them permission or consent to report these unauthorized accounts. This is Aggravated Identity Theft 18 U.S. Code 1028A

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 2019-09-13
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE. THIS ACCOUNT IS A CLOSED ACCOUNT THAT IS REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I asked XXXX  and Equifax to provide me the Date of First Delinquency with the original creditor because it was not provided and for XXXX  and Equifax to please provide this requested information and In the event that they can not verify the details and/ or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this date as well as the manner in which it was provided in order that I may pursue additional remedies. XXXX  and Equifax just updated or modified the information and did not provide me with the requested information. XXXX  and Equifax are in violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) and for knowing violations of the Act.

Experian and Equifax failed to provide me the requested documents and in violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) and for knowing violations of the Act.

Company response to consumer: Closed with explanation