BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
Capital One Bank has shared my information with XXXX XXXX XXXX without my permission. 

I never gave XXXX XXXX XXXX permission to share my information with any banks but my bank which is capital one. According to an email and text message my information has been shared with other banks. 

XXXX XXXX XXXX has been sending me email and text share with me that they banks need more information from me to process a loan with other banks beside captail one. 

XXXX XXXX XXXX has been making false statement regarding banks and my information. 

Are only going through the motions as stated in the email to share my information with various employee and banks without my permission due to my XXXX. 

They haven't reach out to capital one bank which reference me to them regarding my car loan with capital one bank. 

Employee are saving my information for there on benefit and personal used. As stated in the email to go through the motions. 

No one from XXXX XXXX XXXX reach out to capital one bank but has shared my information with everyone and with other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank 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 2019-05-12
Company: Colony Brands, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the company said I ordered clothes from them, I am XXXX years old and these clothes are women 's clothes, I did not order anything from these people. I do not ware woman 's clothes. I have contacted them many times, but they say I owe them {$230.00} on one account that is country door from XX/XX/2015. and another account called XXXX for {$250.00} from XX/XX/2015 .I asked them to prove I signed anything or signed anything .they cant or do not send me anything. both of these company 's share the same address of XXXX XXXX. XXXX XXXX, WI, XXXX thank you in advance for helping me. I have never received any thing from these company 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had recently sent a letter to cfpb showing that XXXX who took over my account from XXXX XXXX has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time navient reported to the credit bureaus that my account was delinquent. I also sent a statement to both XXXX, the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for XXXX dollars with XXXX XXXX and have been making payments over the years ( sometimes more than the minimum ) and currently owe 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 2021-10-15
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had a forbearance on my home mortgage since the beginning of COVID. I have also been unemployed since the beginning of COVID. I was told on XX/XX/2021 by a bank employee that if I made 4 payments and got my missed payments down to 12 that I would be eligible for an unemployment forbearance. I was also told to call after the Federal holiday in XXXX and arrange the 4 payments and then I would not have a payment due until XXXX. I called today, XX/XX/XXXX, and talked to 5 different bank employees. The first 4 denied that there was any unemployment forbearance available and that all payments were due in full immediately. I was told that I would NOT qualify for anything else because I was still unemployed and already have a second lien by HUD on my mortgage. The 5th person I talked to said there is an unemployment forbearance available separate from COVID that exists for customers. I said that is what I need. I was told that I would not qualify and it wouldn't help me. He said that at the end of the month demand letters would be going out to all people who are 4 months behind in their mortgages. He said " If you want us to put handcuffs on you, we will. '' This is an outrage. I am able to make 4 or 5 or even 6 payments today. He told me that those payments would not help me and I would just lose the money. This is predatory lending. This is a problem. I hope the United States Dept of Treasury hurries up and puts in place some protections for people like me.

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 2022-03-04
Company: Experian Information Solutions 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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank 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 2022-03-04
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:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank 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 2017-07-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had recently sent a letter to cfpb showing that navient who took over my account from   XXXX   XXXX   has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time navient reported to the credit bureaus that my account was delinquent. I also sent a statement to  both  XXXX ,  the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for  XXXX  dollars with s  XXXX   XXXX   and have been making payments over the years ( sometimes more than the minimum ) and currently owe   XXXX  dollars.

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 2017-11-09
Company: Capio Partners, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been charged and had two prior collections account for the same medical bill and the same amount {$330.00}. Finally I got those two collections deleted from my credit and now I have one more collection for the same medical bill and same amount reported on XXXX. I never received a phone call/mail/email notifying anything. They just added a 3rd account for the same charge without any notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09
Company: Midwest Recovery Systems
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:
I had a debt with XXXX credit card. It went delinquent in XXXX and was charged off in XXXX. A new collection agency just put this back on my credit last month and is reporting the account going delinquent and charging off in XXXX so they they attempt to collect a debt that is no longer collectable. The debt had already been off my credit for years. I contacted them and they said they did not care and were going to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent back all equipment and the account was settled at XXXX  in 2017. I did not amd do not owe any money or early closing costs.This debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify :

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 2019-06-21
Company: EQUIFAX, 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:
Equifax ; XXXX  and XXXX  are reporting 90 plus days late on the XXXX  account number XXXX. ( Please see page 3 of the attached credit report. ) The date of last activity was in XX/XX/2012. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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:
My USAA # is XXXX. USAA wrongfully closed 3 of my credit cards. Two of which where part of a cash rewards program. One of the two USAA decided after a year in violation of regulation Z 's billing dispute timeline of 90 days to charge back fraudulent charges which they finalized in my favor previously. Granted the original billing dispute resolution still took a little more than the 90 days provided by law. <P/>Despite the failure to recognize and follow billing dispute timelines set forth by consumer protection laws, I was charged anyway. These charges should have earned the respective 1.5 % cash back on regular purchases and 2.5 % on gash and groceries. Which charge back fit under which category I am unable to correctly determine as USAA has refused to provide the requested documentation or identify the charge backs in any way. <P/>In addition there was a cash back balance due to my on both my XXXX and XXXX cards as part of the cash rewards program. The previous cash back balance as well as the cash back rewards which should have been earned on the charges returned to my card are unaccounted for. The last document I received from USAA stated a {$0.00} cash rewards balance. Yet I have not received the funds, nor any notice of where they are.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-04
Company: MoneyLion Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I requested a {$100.00} one-time XXXX payment from MoneyLion. I have used this service a few times in the past and have never had issues. On XX/XX/2022 when I attempted to utilize this service for {$100.00}, it showed that the money had been deposited into my account with them. However, it never became available for me to withdraw. You can not reach these people via phone and attempting to message them is XXXX on earth. After messaging them on XXXX for days, they still said I had to pay them back even though I never received my {$100.00} from them - so they technically are stealing my money for this transaction. I asked for this XXXX request to be cancelled but they only said they could extend the payback date by 14 days instead of on XX/XX/2022. I do not have any issues paying it back, I just dont want them stealing my money and I want nothing to do with this scam of a company after this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-21
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/19, the balance of my primary checking account at TD Bank was displaying incorrectly - it omitted electronic deposits from " third party '' vendors including XXXX XXXX ( wallet to bank transfer ) and XXXX ( a payday advance company ). These deposits not being credited meant I didn't have access to all of my funds. 

I called customer service 2 times and before even speaking to an customer service agent, was met with a recorded message about " technical issues '' with accounts - that accounts weren't displaying updated information and that TD bank customers and employees wouldn't be able to access updated account information via mobile, online or in-person banking methods. 

On the same day, at approximately XXXX XXXX, after checking the bank 's social media and website multiple times for an update or statement that would include information especially about when the issue was expected to be resolved, I then called customer service again and this time stayed on the line through the recorded message and spoke to someone. This is when I was told the issue was with multiple third party vendors including : XXXX XXXX, XXXX, and XXXX - to name a few. After asking a few more questions, the agent was able to tell me that they expected the issue to be resolved by XXXX - which I confirmed meant XXXX XXXX. 

The lack of communication and true transparency is troubling. There was no email sent to customers, no statements posted to the bank 's website, social media or other communication channels. Additionally, the agents seemed to be in almost the exact same boat as us customers - mostly without information. Unacceptable and irresponsible. We trust TD Bank to house our financial resources and provide services and this trust was breached today. I am still not sure which is causing the technical issue - was my privacy or security breached? Is my info vulnerable??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
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: Account information incorrect

Complaint:
Hello, My name is XXXX and I am a XXXX XXXX XXXX. Over the years I have had a hard time keeping my personal credit score stable. ( XXXX ) I pay most of my personal and XXXX bills on time and in most cases early, which I have proof of. My problem with TransUnion and the other credit reporting companies and credit card companies is that they DO NOT separate small business credit/history with the business owner 's personal credit. For example : I have XXXX XXXX  credit cards and those XXXX use those cards on a daily basis. As the company issued credit line begins to be used this begins to heavily impact my credit score thus causing it to fluctuate literally weekly. I would understand if this was a new account but we have been with the credit card company for years. Here is the problem. If the credit card company solicited my XXXX  and issued the XXXX  multiple credit cards but reports the credit usage to my personal credit report then why doesn't TransUnion and the others have a business credit report section/division? I am willing to bet this is not an isolated thing and that many of us XXXX XXXX owner 's are having the same problem. Because of this ongoing issue, I have had a hard time getting loans to buy a house and automobiles. I understand the " personal guarantor '' purpose the business owner must sign to have ultimate responsibility for the credit card usage but that does not absolve the company from being responsible as well and only reiterates the aforementioned. Separation of XXXX and Personal I feel this is something that has class action written all over it and am ready to retain an attorney to start the process. By the way, when I used and occasionally still do, my XXXX  XXXX XXXX card for over XXXX XXXX dollars annually my credit problems did not exist. Now that vendors do not want to take XXXX I have been forced to switch to others. Another issue I have found is that it seems reporting to the credit bureaus by the credit card companies is optional and at their discretion. Or in other words : " pay on time and we could care less, pay late and we will report you ''. The only reason I would think they would do that is to warn others ( credit card companies ) not to issue credit to or " black list '' you. I would expect it is the CFPB 's job to ensure the credit playing field is played equally and fairly by both the consumer 's side and the credit card/credit bureaus side . 

Please let me know if you can help before this gets really expensive for me. Thanks again for your time.

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 2019-06-21
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for a partial lien release to include 1 acre to adjoining property I am attempting to sell. The overnight package containing application and processing fee was signed for by a representative on XX/XX/19. I complied with all requests for further information. After weeks of being told application was being processed, I was informed on XX/XX/19 application and processing fee was never recieved which was untrue - the check cleared my bank on XX/XX/19. I provided 2nd app. and a copy of the transacted check on XX/XX/19. I was assured my application would be expedited, but as of today XX/XX/19 I was informed it is still being processed. Ditech has had all necessary information since XX/XX/XXXXand has yet to complete the process that I was told should take no longer than 30 days. I am nearing inability to pay for the house I am selling because of negligence on the part of Ditech and no one will return my phone calls regarding this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: SYNCHRONY FINANCIAL
State: CA
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: Problem with personal statement of dispute

Complaint:
To whom it may concern all seven of my Sychrony Bank account was closed stating my accounts was high risk stating that the accounts will not be paid in a timely manner. But all of my accounts were paid never been late I tried talking to all the creditors and even XXXX  and was told there is nothing that can be done but this action that was taken was not right and it was not fair I worked hard to get my credit scores in the high 700s and now my credit scores are going to be lowered by this false statement made by the creditors and XXXX  these closed account will definitely destroy my credit scores that I worked hard for. The managers and even the workers at XXXX  are rude and they dont care about the customer. They just blame each other and provide not solution to problem.

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