BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-30
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I placed a complaint to the CFPB regarding Experian and XXXX XXXX on XX/XX/XXXX ( report # XXXX ) and still to date, the complaint is opened because Experian did not do a proper investigation and has allowed the creditor XXXX XXXX to stay on my credit report after they failed to reply to the dispute/complaint within 30 days. It has been well over 30 days since I placed the complaint and since Experian responded on XX/XX/XXXX that they are still waiting on information from the creditor named XXXX XXXX. XXXX XXXX has not responded to Experian regarding my complaint of my account having fraudulent charges, due to identity theft and about the charges still not being settled and regarding my balances on both credit card accounts ending in XXXX and XXXX being incorrect. The balances are incorrect and I am asking that Experian remove the XXXX XXXX balances from my credit report. XXXX XXXX was given plenty of time to respond to Experian and the CFPB and they have not. It's been over 40 days since my complaint and dispute. This is a serious dispute because my identity was stolen and fraudulent charges were made on my XXXX XXXX account and still to date, after 40 days, Experian has allowed it to stay on my report, even without the creditor XXXX XXXX not responding after 30 days.

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 2022-02-07
Company: EQUIFAX, 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 status incorrect

Complaint:
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX ***** Opened XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX ***** Opened XX/XX/2012 Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
TD Bank USA, who used XXXX XXXX, and then is using Law Offices XXXX, XXXX, XXXX XXXX XXXX - who continue collection actions after a debt has been discharged by the XXXX Bankruptcy Court of XXXX ( XXXX, XXXX # XXXX ). My husband received a community discharge from the court in XXXX 2017 -- - As you may know, XXXX is where my husband lives and works and XXXX where I reside they are both community property states. In these states, property, and debt acquired during the marriage is considered the joint property of both spouses. As a result, in community property states, we each are entitled to a one half-share of all marital property and equally responsible for all community debts, also known as marital debts. When the Federal Judge closed my husbands bankruptcy case, and since we both reside in XXXX and XXXX, we are automatically protected by what is known as a community discharge. Which means that if we received a community discharge, even if my husband filed alone. The debt that was acquired during our marriage either in our names or my name or his name that discharge extends to me as well. Creditors such as TD Bank are prohibited from attempting to collect the debt from me since I share XXXX of the marital property, both presently and acquired in the future. Even after TD Bank has received many notices, and a notice from CPBD and the FDIC - they continued to send me invoices during the bankruptcy automatic stay. This community discharge only lasts for the life of the marriage. Please see section 524 of the Bankruptcy Code.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a Line of Credit with Navy Federal Credit Union. Recently Navy Federal turned my account over to a Law Firm/ collection agency for none payment. I have several receipts showing consistently on Time payments. I contacted Navy Federal several times and they stated my account are still with them. I 'm receiving mail and phone calls from a law firm trying to collect money on the behalf of Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Other problem

Complaint:
Capital One Credit card moved the payment date on my card, which also moved the close date for new purchases so those purchases in the extended window will be due on the new date. This effectively moved a 30 day charge cycle to a 45 day cycle. My usual charge pattern is roughly 4K per month, which I pay in full. This will cause me to owe XXXX on the next payment cycle instead of the usual XXXX, and since many of the charges are automatic, preventing them from being charged to the account in the next 15 days is impossible. 

I would have expected the credit card company has notice periods and opt out to changes in billing cycle, this seems like a trap to distort the monthly expected amount to be paid to some higher amount so the credit card firm can collect interest on an account that it usually does not. Also, had I been given adequate advance notice ( 90 days ), I could have moved charges to manage the impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
When we log into the site it says contact them if our income has dropped due to covid. We let them know. They had us finally upload some documents after months of saying they are still reviewing. This is a blatant lie. What would possibly take so long Just sitting waiting since XXXX Now they are charging is {$15.00} a month for a property inspection fee because they say our account is past due. This company is trash.

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 2019-10-01
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 incorrectly that I am ( 30 ) days late on the XXXX XXXX/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$4500.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Repeatedly, TD Bank has frozen my card for suspicious activity overseas. I dont have a big issue with this. 

The issue I have is that they routinely will refuse to lift the block after I go through all identifying information they request, to include voiceprint analysis because I dont have a US number registered to me. 

As a traveler, I use XXXX ( as does TD ) and other such services. 

Currently, once again, I am blocked from funds in my account and they refuse to budge because I dont have a US phone number. Which of course is impossible to do with no funds. 

There standards and enforcement are sporadic and with all the other information verification, to include a voiceprint, this matter of a US number is beyond ridiculous. 

BUT, the fact they know its me and refuse to release the block, fully knowing that I am trapped in a foreign country with no money, little food etc., is utterly reprehensible and goes unpuniished. 

Please note that TD has had to make several settlements for fraud. One of which was with CFPB and have constently been caught rigging penny arcades, structuring transactions, etc. 

Why are these people allowed to operate in the US?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX did a soft inquire on my Equifax credit report. They did not provide " reason codes '' according to Equifax. Equifax says without these " reason codes '' they can not properly categorize the inquires. XXXX has been notified and still has not provided a " reason code '', so the inquires are showing as " hard '' when in fact they were soft. Equifax and XXXX XXXX won't pick up the phone and talk to each other and keep hanging up on me like little children. Equifax said that XXXX knows they are required to provide a " reason code '' yet they continue not to do so. Equifax says that if XXXX would " call them '' they could resolve this in minutes not the " weeks '' that they have taken. Also both Equifax and XXXX ignore their responsibilities during the dispute as neither side was able to communicate this " error '' and resolve it instead they " pretended to investigate '' and did nothing, it took me hours and hours to get this simple solution!!! XXXX under federal law and the rules of Equifax need to " provide a reason code '' yet still have not done so!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
on XXXX XXXX XXXX I refinanced my home equity line with XXXX XXXX, They sent out a check and on XXXX XXXX Huntington deposited it. I had an account at Huntington that I had money saved and did n't touch so I was unaware that monthly Huntington was now taking a minimum monthly payment from that account, I went into the local branch to closet that account to find it was drained and found out why. The local branch was no help and the XXXX was no help. They essentially deposited that check and stole that money, they said since there was not an account number on the check they would not have known what to do with the check. XXXX XXXX sent a payoff letter with the check that had the account number and all my information that Huntington conveniently misplaced. I need this taken care ASAP because I 'm refinance my home with XXXX XXXX and that line is still showing open so I now technically have XXXX liens on my home and Huntington 's should have been closed & released over 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB or SSN in order to appear in your credit file. The credit bureau has not updated this information and per the new law the debts listed do not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX- {$630.00} XXXX- {$340.00} BOTH of these are old debts that are trying to be pulled as new debts, that have been resolved. Plus I do n't even know how you would EVER EVEN get a cell phone bill as high as {$630.00}, that is what I can not also understand. 
Thank you for your time and consideration.

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 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Transunion continues to report inaccurate data on my account. They keep saying it was verified but that is not true. I contacted the source they said they verified it from and they said it was never reported to them as they do not subscribe to their agency. Due to that it needs to be REMOVED! It was not validated on verified by the ORIGINAL source. My right to privacy has also been violated according to FCRA 15 USC 1681 ( a ) ( 4 ). They don't have permissible purpose to furnish INACCURATE INFORMATION on my consumer report according to 15 USC 1681i.

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 2018-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have three credit card with Bank of America..I lost my job in XXXX 2016 and I had a XXXX XXXX XXXX XXXX which I stop working on. I work in a XXXX is not a steady pay. I called the bank several time to see if they can Work with me and they said that I do n't make enough to even cover their minimum payment. The interest is to high for me to catch up with the payments as of right now. I 'm so up set because of this situation is killing my credit score.

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 2019-07-31
Company: Uber Technologies Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I am a rideshare driver for UBER Technologies, INC. I opted in to get the XXXX debit card to use the money I earned while driving and also earn gas benefits. When I got my card, I tried to activate it. The automated system said I had to upload a picture of my ID to activate the card. Later on today I called again to try to activate the card or find out the status and the system simply said that my account has been closed. I have never been a XXXX XXXX customer and I haven't used this card once.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-31
Company: WELLS FARGO & COMPANY
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Ordered some speakers through XXXX and when they arrived, it was not what was ordered so I informed XXXX, to which they approved a refund upon their return. 

When the items were returned, rather than receiving a full refund, ONLY a XXXX XXXX refund was issued Long and short, I did not receive what I ordered and paid for, XXXX states a refund is approved but has never been issued, therefore I would like to place the following items in dispute and request you refund my money. 

The charges in question is : XX/XX/XXXX XXXX {$610.00} XX/XX/XXXX XXXX {$140.00} -- -- -- -- -- -- -- {$760.00} Sent disputes to Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no resolution, which is why I am filing a complaint with 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 explanation
Consumer complaint received 2017-07-26
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The Company claimed they needed more documentation that it was my information such as a ssn.

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 2018-01-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, 2018, I checked my credit score and found that XXXX had lowered my score by 26 points due to an unknown inquiry and/or known inquiries on my account. I called XXXX to complain and received no satisfactory resolution to my complaint. I am a veteran XXXX XXXX XXXX and occasionally receive calls from lenders wanting to extend credit to my company. Since I am the owner, they generally want to check my personal credit history. This should not be a reason to lower my credit score. I employ approximately 50 people, many XXXX veterans, like myself. I feel that I am being unfairly treated and hindered in my ability to conduct business in the ordinary course as a result of this lowering of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: First Credit Services Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
First Credit Svcs has reported a {$200.00} collection account on my credit report. Prior to seeing this account appear, I received no notification from this collection agency at all. This is a violation of my rights under the Fair Debt Collection Practices Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXXXXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXXXXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX N/A XXXX N/A XXXX XXXX   XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b )XXXX 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair  Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/ ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY 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 2019-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have just received a response from Capital One regarding an alleged account ending in XXXX ( CFPB Complaint Number XXXX ), wherein Capital One has claimed I still owe a balance and has ignored my demands to see the contract I signed to open such account. 

I will be clear in stating I have never opened an account with Capital One, any account, as I never sign contracts of a financial nature, and of the nature Capital One alleges I have done. 

I did receive Capital One 's " Fraud Affidavits ''. And as I have told the Capital One representative when I called in to speak about this alleged account regarding this, I am not the party needing to provide proof here. I do not contract online, so I am demanding proof and to be able to view the contract, with my signature thereon, agreeing to this contract Capital One alleges I have opened. 

I will not fill out paperwork giving up my personal, sensitive information and identification. Capital One is in no place to make demands from a contract that is void ab initio.

Show me said proof of this debt, or there is no such debt.

Company response to consumer: Closed with non-monetary relief