BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Following complaint # XXXX with TD bank, the company has yet another tactic they've used in the past to silence underprivileged, XXXX, youth Americans by threatening an account closure and not necessarily saying the reason it's for. TD Bank claims they have the right to close my account at their own discretion. They never warned of any wrongdoing, other than too many transfers from my savings account to my checking in order to not overdraft. Being that I was recently a victim of a gas station skimmer attack on my personal debit card, TD Bank claims representative presumingly knew that was a likely event from the same {$100.00} charges from gas stations in other different areas in where the county I live in. This continuous behavior from a national bank on treating XXXX consumers with no protected rights has been a long issue within the financial industries in America. This is a discriminatory tactic TD Bank has used against me, and I am asking the CFPB to help fight back with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have unauthorized inquiries one late payment and one account that does not belong to me see enclosed letter

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 2019-07-09
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: Personal information incorrect

Complaint:
Multiple addresses that are incorrect are reporting on my credit report XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX   XXXX XXXX, FL 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 2020-06-02
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I am a retired XXXX professional living on Social Security with a budget that handles us from payday to payday. My issue is with the cancellation of PMI on my mortgage. The mortgage was with XXXX beginning in XX/XX/XXXX. In XX/XX/XXXX an auto accident led to my getting a couple of months in arrears on the mortgage to pay for the next auto acquisition and related fees. In XX/XX/XXXX XXXX notified me that my mortgage had reached a point that my PMI would cancel once my payments were current. In XX/XX/XXXX XXXX transferred the servicing of my mortgage to Bayview Loan Servicing and they began foreclosure on the property. I managed to acquire a loan that I used to get my mortgage caught up in XX/XX/XXXX. Since then I have been in contact with Bayview several times regarding this issue. Each time the response states that I do not have a twelve month history of on time payments. 
Attached are several supporting documents. Thanks for being there to help us folks out. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XX/XX/2020 I have several accounts that are unknown or Fraudulent activity on it! I have requested that all of them froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are following OHIO LAW. The following account are still unverified : XXXX Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. 
Please delete 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 OHIO DEPT OF HUMAN SERVICES, OHIO DEPT OF HUMAN SERVICES OTHER XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My employer is SELF EMPLOYED This is my only number XXXX All other telephone numbers are not accurate

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit score dropped over XXXX points for no reason as I have no late payments I have no derogatory remarks other than a disputed medical bill that is on there and I recently paid off my car which is still showing on their and they will not give me a reasonable explanation as to why or fix the 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
Consumer complaint received 2020-12-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been charged a late fee on this card the last two months in a row from my Macy 's store credit card. ( This is not the first time this has happened within the tenure of my account with Macy 's. ) They have a due date of the XXXX of the month and in XXXX the XXXX fell on a Saturday and, because of their method of posting their payments, it wasn't posted until the XXXX. Last month, they said I did not make my payment on time. In XXXX, I set up my payment ahead of time to be made on the XXXX and, lo and behold, no payment showed up. I received a email the makes me aware my payment was not received and was assessed a late fee of {$29.00}. Imagine that ... 

To their credit, they did wavie the my XXXX payment but this is a shell game no doubt.

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 2021-01-26
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/2020 I sent a letter that showed my response to their so called " investigation '' into disputed inaccurate items on my credit report. Today is XX/XX/XXXX, over 40 days later, and I have not received a response. Im not sure if my letters were thrown away, or if they simply ignored my disputes, but I have not received any reply to my challenge of their method of verification that clearly shows various inaccuracies on my report. According to the FCRA Section 611 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove these accounts from my credit report. It has been well over 30 days, so they should be deleted immediately. I need these accounts to be deleted promptly, or I will be seeking litigation due to the strain this has placed on my health due to the loss of jobs, housing, and funding opportunities. Im fearful that these creditors have been using illegal tactics, or that my information was compromised as a result of the Equifax data Breach or some type of Identity theft. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
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: Information belongs to someone else

Complaint:
This is on my credit reports, but is not my account : XXXX XXXX Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit.

Account Number Account Status PAYS_AS_AGREED Available Credit {$31000.00} Reported Balance {$30000.00} Debt-to-Credit Ratio 97 %

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: LEXISNEXIS
State: WA
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:
XXXX Previous complaint ID that got closed. 

Lexis Nexis assigned XXXX as the representative to handle this complaint. However, she never proactively reached out in dealing with the matters. 

Attaching in the complain is the series of inquiries of my report. All of the responses by LexisNexis ( or XXXX specifically ) were merely a reply to my proactive inquiries after silence and silence over the months. 

The last point of contact, XXXX asked for the last known US addresses on the file, which I replied within 5 hours. The same day XXXX wrote up a form stating no response was received on my end. She blantly lied to me, to the government and in written form of communication and paper traits, ( email ) she never did any investigation, or addressing any concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: NY
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 police report for identity theft on XX/XX/XXXX for a XXXX account. I have sent letters to TransUnion, XXXX & XXXX they have failed to remove this from my credit report. I filed a FTC report as well. I also had Inquiries I did not authorize on my credit report. I will list them : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/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 2020-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 reached out to Capital One several times to discuss an issue with the credit reporting and for a potential removal of negative activity that resulted from a situation beyond my control for the credit card that ends in XXXX. 
About XXXX years ago, my debt burden became difficult and I entered into a debt consolidation program with XXXX XXXX, a not for profit company that consolidates bills. XXXX was recommended to me by the credit card companies. I was promised by XXXX that by entering into a debt consolidation program and making monthly payments that I would not be reported late. I agreed to monthly payments of {$1300.00} and that money was allocated to my creditors. 
However the unthinkable has happened earlier this year and it has destroyed me financially where I have been unable to obtain credit or the credit has been offered at interest rates that are financially punitive to me and my family. When XXXX contacted Capital One, they believed that a payment of {$44.00} made in XX/XX/2020 to my Capital One # XXXX would have paid it in full. I have provided support from XXXX where it shows how I made my monthly payment each month by in XX/XX/2020 {$0.00} was allocated to Capital One as they believed the balance was {$0.00}. Unbeknownst to me and XXXX, there was actually a balance of approximately {$20.00} on my account. Since XXXX stopped paying, Capital One apparently began reporting me late. I didn't identify this error until I pulled my credit in XX/XX/2020. As soon as I saw there was a balance at Capital One on card ending in XXXX, I immediately made the payment. 
I have tried repeatedly to discuss this matter with Capital One but I continue to receive a standard response that there is nothing that can be done. I just dont understand. I signed up for a debt consolidation to get my finances in order. I made payments over a 5 year period and now because of a miscommunication between XXXX XXXX and Capital One, my family and I are paying a steep price. I also paid {$60.00} a month to XXXX to process these payments and they did not honor their commitment for this Capital One card to ensure it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Portfolio recovery associates harassing me ( XXXX XXXX on social security XXXX battling XXXX living alone ) for undisclosed debt that is time barred in tx ( very old ) banging on door late at night falsely claiming to be police suing me without notice and threatening to garnish tiny bank account causing me to XXXX of starvation. 
POLICE! U MUST open door! 
XXXX XXXX causes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. Its A XXXX XXXX, often. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I called Transunion and they was not able to help me and kept giving me the run around. All I wanted to do was take off all the hard inquiries that I saw on my credit report that I have no knowledge of due to identity theft which is hurting my score everyday

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 2019-02-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my account online with a promotion that stated that if i opened an account and deposited a minimum of {$50000.00} there would be a {$600.00} dollar promotional credit. 

I have contacted Citi multiple times and have not been given a clear answer as to when i should expect the {$600.00} dollars to be credited.

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 2018-10-29
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please delete XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: LEXISNEXIS
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:
Lexis Nexis resolved inaccurate information with Public Records section of my XX/XX/XXXX andXX/XX/XXXX These Two Entities Refuses to Acknowledge any Update information and by law refuses to delete unknown information. Their system E-Oscar, is verifying inaccurate information consistently and not verifying with the actual source Lexis Nexis. I need these two Entities to follow FDCPA and FCRA. They are breaking laws and violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: JPMORGAN CHASE & CO.
State: CO
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:
A credit card was opened in my name with Chase bank, who I did not have an account with prior. This card is being used to purchase items online, and Im receiving emails about overdraft accounts from chase. 

I called Chase bank once o found out about this, and was hung up on. I went into a Chase bank, but was just told to call the same number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: 21ST MORTGAGE CORP.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX a bona fide contract in the amount of {$500000.00}, HUD letter, buyers mortgage approval letter and the property inspection report was filed with XXXX XXXX XXXX the loan servicer The servicer failed to respond to repeated calls and emails for 10 days. On XX/XX/XXXX the servicer sent a letter denying the short sale. The current loan balance is {$490000.00} as of XX/XX/XXXX. The servicer forwarded an email to their legal counsel on XX/XX/XXXX instructing them not to adjourn the sheriff sale scheduled for XX/XX/XXXX. The sale closing is scheduled for XX/XX/XXXX. The servicer stated that the pending sale.is rejected as of XX/XX/XXXX. The reason for the rejection stated by the servicer was that the sale was required to be 37 days from the date of the sheriff sale. I contend that the servicer rejected the sale because they wished to inflate their fees and costs and legal fees. Further the price obtained at sheriff sale will no doubt be less than the private sale thus increasing the amount of the defiency and thereby increasing the potential for a greater deficiency judgement against the borrower. I have emailed the servicer and demanded a copy of all communications written or recorded to and from the borrower, proof of their authorization to act as agent, as well as copies of internal communications to legal counsel, the complete file, the basis in law that provides the 37 day period and a request for an adjourment of the sheriff sale as to facilitate the sale of the property. I am filing this complaint in good faith and as truthful testimony. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: AMERICAN EXPRESS COMPANY
State: MN
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:
See the attached complaint about American Express failing to pay XXXX  {$160000.00} in settlements on our merchant processing account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: DISCOVER BANK
State: MN
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:
Im a victim of identity theft and four of my major credit cards were used online transactions and other ways. I reached out all the credit companies however no action s taken so far and all those balances are added to my credit profile. This affects my credit score drastically and I couldnt able to get any credit services. Unfair credit reporting.

Company response to consumer: Closed with explanation