BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have tried to correct inaccurate information on my credit report. However, Transunion & XXXX XXXX doesn't allow me to dispute it on their website. There's always a technical error for the past 6 months.. This is what the apps says. 
Something went wrong. 

We encountered an error while trying to process your request and your dispute was not successfully submitted. We apologize for the inconvenience. 

You can go directly to TransUnion to file this dispute Return back to 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 2018-04-14
Company: Colony Brands, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted this company and told them this was not my debt but they will not look up any information all they keep saying is it that there nothing they can do this is an online company I have not received any product from them

Company response to consumer: Untimely response
Consumer complaint received 2020-09-16
Company: FIRST CITIZENS BANCSHARES, INC.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2020 I opened a checking/savings account with First Citizens Bank through an offer I received stating that I could earn a {$300.00} bonus within 120 days for completing the following requirements : - Establish a direct deposit of at least {$1000.00} per month or make 10 debit card transactions within 90 days of account opening. 
- Enroll in eStatements. 
- Open new Savings Account I completed all of these requirements and did not receive the additional {$300.00} after 120 days. I contacted First Citizens through their online messaging system to inquire about the bonus on XX/XX/2020 to which I received a reply stating they would look into the issue. As of XX/XX/2020 no response had been given. I again tried to contact them on XX/XX/2020 and as of today they have not replied. 

It is my belief that First Citizens Bank is withholding the bonus which I rightfully earned and is ignoring my requests.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-31
Company: Credit Control, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.

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 2021-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I have contacted the company several times and advised I have no knowledge of this account. I have asked for documentation or signature examination and no response but keeping reporting negatively on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: Commercial Acceptance Company
State: NY
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:
COMMERCIAL ACCEPTANCE COMPANY and Collection Agency XXXX XXXX XXXX are 2 companies that are reporting fraudulently on my credit. 
I didnt open nor utilize these accounts and I am requesting the removal of these accounts from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: OneMain Finance Corporation
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: Reporting company used your report improperly

Complaint:
I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)
THE FOLLOWING INFORMATION ATTACHED IS UNAUTHORIZED/FALSE AND MISLEADING/UNDERMINING/IMPAIRED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Bread Financial Holdings, Inc.
State: CT
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 balance transfer

Complaint:
I initiated a credit card balance transfer with XXXX XXXX to pay off a XXXX XXXX credit card and to take advantage of XXXX 's 0 % transfer offer. 

I completed the transfer request on XX/XX/2019 and the transfer amount of {$7400.00} was charged to my XXXX XXXX account on XX/XX/2019. 

As of today, XX/XX/2019, the transfer has not been received by XXXX XXXX. 

Repeated email and telephone requests for resolution to XXXX XXXX have been met with boilerplate emails and vague, scripted telephone responses. 

I am currently showing a {$7400.00} debit to my XXXX XXXX account and no offsetting credit to my XXXX XXXX account. XXXX XXXX is treating this issue as a " disputed transaction ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
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: Information is missing that should be on the report

Complaint:
My XXXX XXXX auto financing loan did dont appear in XXXX, Equifax , or XXXX credit report. XXXX XXXX states that they last reported the positive payment status of the account to the three major credit agencies in XXXX. I have 5 years worth of positive payment history that is not reflected in my credit report. Furthermore, although the XXXX XXXX finance loan initially appeared on my credit report, it disappeared about two years ago, even though I was continuing to make payments on the loan. I recently closed out the loan, but the positive payment history and the payoff are not on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information is missing that should be on the report

Complaint:
My XXXX XXXX auto financing loan did dont appear in XXXX, XXXX XXXX or Transunion credit report. XXXX XXXX states that they last reported the positive payment status of the account to the three major credit agencies in XXXX. I have 5 years worth of positive payment history that is not reflected in my credit report. Furthermore, although the XXXX XXXX finance loan initially appeared on my credit report, it disappeared about two years ago, even though I was continuing to make payments on the loan. I recently closed out the loan, but the positive payment history and the payoff are not on any of my credit reports.

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 2019-05-20
Company: Verisk Analytics 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:
XXXX XXXX XXXX gave totally wrong payment history, credit rate, etc. It's like they were reporting a totally different person using my name. 
I've never had late or missed payments on anything in my 74 years! 
My credit has been perfect. But to see what they reported to an auto insurance ( XXXX ) company was down right slanderous! I wasn't looking for an ins company but somehow my info, address, etc was given to them and they sent the ( rejection ) report to me and I just received it today to find out that my once excellent credit is in the dumpster because of the lies reported on me and my payment history - not one thing on it was true! 
It's like that fraudulent thing they have on the net about " type in a name and get info '' - you'd not believe how many people they have as me on there and not one even comes close to me except my location & age on two of them. Don't know where these people get this stuff from but they are ruining lives!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
American Education Services Management needs to make a concerted effort to improve the AES website for borrowers AND co-signers. I am a cosigner for my daughter and recently attempted to setup recurring payments to her loan account while she's in school. There appears to be one option to setup recurring payments, snail mail to XXXX, PA, then watch and wait to see when change is actually implemented ( no indication of whether payment amount can be changed at later date as loan amounts grow without submitting another snail mail form ). Before throwing in the towel and surrendering to the snail mail form ( s ), I'm going to get my daughters login information to see whether i can withdraw direct from my account from her account. This process is nothing like other online processes, as online banking/bill and loan payment, online investment houses, online shopping, etc. AES Has made an already frustrating process even more miserable. Someone who understands the process needs to redesign your website and simplify the online payment process for both the borrower AND the cosigner. I suggest using online banking with online bill and loan payment options as your guide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company has been unwilling to provide electronic and mailed statements since statement date XX/XX/20. We have asked for this information on 4 occasions : Once by email ( their online form ) - No response. Three times by phone. Our first phone attempt, the  representative said that " You know what to pay - You don't need a statement ''. They have admitted that the statements are not available for us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. First National Bank of Omaha ( FNBO ) violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8

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 2018-09-04
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I checked the status of my credit report and discovered a new derogotory remark on my record. It was a debt for XXXX cable home services from XXXX. Trident Asset Management is the collection service on behalf of XXXX XXXX XXXX. XXXX bought the debt from XXXX and is now trying to collect from me. I called XXXX 's in house recovery team to locate the original account ( despite knowing that I have never held a XXXX account ) and they verifed that they have never had an account number of XXXX held by XXXX XXXX ( or XXXX ). I contacted Trident Asset Management to dispute the debt, and they requested I provide proof of a different internet service provider. I am still awaiting documentation proving my subscription to XXXX internet services during that time. I have told Trident Asset Management over the phone and in writing that I never owned that debt and refuse to pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
LVNV FUNDING, LLC/RESUGENT states they found no records supporting your allegations, including, without limitation, that LVNV improperly used obscene and belligerent language. However, it is I, whom has been offended by the use of language in LVNV FUNDING, LLC/RESUGENT CAPITAL SERVICES notices and communications. LVNV FUNDING, LLC/RESUGENT CAPITAL SERVICES ) such as " debt collector '', " debt owed '', " collections '' all are words I find offensive. These notices have included several violations of 15 USC 1692 using such words in notices that have my personal information attached. Furthermore, all notices have been received during inconvenient times. Lastly, LVNV, has not validated any contract that I have consented or agreed to with their company.

LVNV has continued to damaged my credit and reputation. This is a violation harming my physical reputation and caused me to loose business opportunities that I am trying to secure.LVNV, FUNDING LLC unlawful attempt to prejudice my security interest  and liberties by an action against the XXXX XXXX Estate is injuring and damaging me and is an unlawful trespass and a violation of but not limited to ; Title 15 USC 1692e ( 4 ), Title 15 USC 1692 C ( c ) ( 1 ), Title 15 USC 1692k ( a ) ( 1 ) ( a ) Article 1 Sec. 10 to the Constitution for the United States of America 1791, Nunc Pro Tunc. 

I am demanding to remove ( DELETE ) the collections from all three credit bureaus and cease all communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have multiple fraudulent transactions on my account. Someone stole my phone and my wallet from my house. It had to be one of the babysitters because they knew my pin, which is my gate code. And the only people that know my gate code and are my relatives and the babysitters. 

- XXXX 's XXXX - {$1.00} - XXXX XXXX - {$5.00} - XXXX Withdraw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL - {$22.00} - XXXX Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX {$15.00} - XXXX Withraw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL - {$100.00} - XXXX Withraw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a loan through XXXX XXXX, my credit scores were all above XXXX. When I talk to the loan adjuster they advised I had to have ky credit score above the XXXX to qualify for loan. I pulled all.of my credit scores and they were all above XXXX. I advised the XXXX XXXX officer that my scores were above XXXX and I was ready to proceed. She ran my credit and lied about my all.of my credit scores being around XXXX. She discouraged me from trying to continue with the loan. I sent her a email asking her why she was maliciously advising against doing the loan when my credit scores were above the XXXX. I felt there was a XXXX under tone and demographic bias denial. I even asked for a copy of all my credit scores just to verify she wasn't making these things up, I did not receive anything. I did my research I could of qualified for a FHA loan with my score being at XXXX to XXXX but I took their advice getting my score above XXXX. We missed out on a house for XXXX due to her neglect and discouraging advice not to continue with loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX at XXXXXXXX XXXX during a US Bank Reliacard transaction at the XXXX, PA XXXX XXXX XXXX XXXX my Reliacard ( Pandemic Unemployment issued pre-paid card issued by US Bank ) was declined. At XXXX XXXX I called US Bank Reliacard Customer Service XXXX to report the issue. Customer Service Rep Mr. XXXX alleged that a XXXX XXXX transferred {$970.00} from my debit card online at www.usbankreliacard.com. I told the C.S. Rep that I never set up my online account. XXXX said he will put a " Soft Hold '' on my acct so money can be added, but no withdrawals until I call in to request a withdrawal. On XX/XX/XXXX I went to same Post Office, call US Bank to request a withdrawal. Bank Rep XXXX said same person transferred a new deposit load of {$490.00} from my account. I filed a Dispute Complaint by Fax to US Bank Customer Relations. XXXX cancelled my card and said a new card with new # will be mailed to me. I said I do not want a card, I prefer to receive a check by mail only.

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 2021-04-08
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My two student loans with AES are reporting late in XXXX of 2020 on my credit report. I pulled my payment history snd show a {$190.00} payment on XXXX 1,2020 and another {$200.00} payment XXXX XXXX,2020 and a {$270.00} payment on XXXX XXXX2020 which means there is no way I could be 60 days late on this as I made 2 double payments within those 60 days. I would like this removed from my credit report and updated to on time please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
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:
I received a deposit and Capital One is holding my funds until I provide business documents which I have. The business is a sole prop under myself. 
Not to mention I have had deposits come to this account before and there was no problem. I have had this account over 2-4 years. Why an issue now?? How can they hold money like that knowing people have businesses. I have even processed business transactions because its my business account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I disputed items oh my credit report all three credit. Collections and inquiries were removed from XXXX  and XXXX but not Equifax. How is that possible? I disputed via Equifax alone and still same results items will remain. I've uploaded screenshots of my report. There's a huge difference. I have 5 total with XXXX and same with XXXX. With Equifax that's maybe 10 or more and I've disputed but remain and removed from the other 2. Also 2 collections on both XXXX  and XXXX but many on Equifax. I advised Equifax There's no way I was looking for a mortgage after XX/XX/2019. I bought my home in XX/XX/2019 so why would I look for a mortgage in XXXX or whatever months. Also, they will not removed any of the loan inquiries that I didn't do. I applied for a Loan once XXXX XXXX which I was approved and currently paying. Anything other than that I didn't do.

Company response to consumer: Closed with explanation