BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed this report two times through XXXX. I called the Company 3 times. They won't change my 30 day and 60 day pass due months after loan was paid. They lost a check from my GAP insurance and got a new check sent and cashed. 3 times there people told me it would be taking care of, I heard other people with the same problem

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Marlette Funding, LLC
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX In reviewing my credit report I noticed that in the last 24 months this company has requested a soft check 17 times without my permission Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX When calling the number listed on the credit report I was not able to get a person to answer the phone. Currently on 30 minutes of a recorded commercial for their best egg loan service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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 2019-08-09
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently had a loan transfer from XXXX XXXX XXXX to Shellpoint Mortgage ( New Rez ) effective XX/XX/2019. I had automatic payments setup through XXXX and when the loan had transferred I followed the instructions given by Shellpoint and setup an online account with banking info to setup automatic payments. Unfortunately on XX/XX/2019 there was a withdraw for my mortgage of {$2900.00} taken from the account I setup for Shellpoint online and taken from the account that was previously setup for my XXXX by Shellpoint. In short I made a double payment and one of the payments I never authorized Shellpoint to withdraw from my XXXX checking account. Since the double payment was taken I've made at least a dozen phone calls to Shellpoint for a refund and in the beginning was told to email my info over for both accounts to verify there was a double payment and we will issue an immediate refund. I still haven't received a refund and last Thursday XXXX I was told it would take 2-3 weeks but a supervisor will call me back in 24-48 hrs. I missed a call today from a supervisor only to get there generic 1-800 call back number and when I call they have no answers and a supervisor will have to call you back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX, XXXX Transunion has all failed to remove inaccurate information from my credit file. I've reached out and tried to get this matter addressed. I'm a victim of ID Theft and have suffered as a result. I've reached out to the local police and credit bureaus. The following accounts are result of ID theft : 1. XXXX XXXX XXXX # XXXX   2. XXXX XXXX XXXX  # XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX  # XXXX XXXX XXXX 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
Company: Fairway Independent Mortgage Corporation
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 FAIRWAY INDEPENDENT MORTGAGE assigned my mortgage note to XXXX , XXXX without my consent to do so. Since XX/XX/2019, XXXX , XXXX has continued to ask for payment for an alleged debt. I am a veteran buying my first home and the mortgage company took advantage of the fact that I was unaware of their constructive fraud giving to me in a contract. That is a violation of the FDCPA [ 15 USC 1692 ( e ) ]. I have disputed this debt for by the rules of the FDCPA, TILA, UCC, and the company still chooses to provide negative statements to my credit report. Willingly and knowingly providing false and misleading information is direct violation of congress. I did not sign a contract with XXXX , XXXX. I made no agreement with XXXX , XXXX. My note was given to the company by way of Identity theft for the securitization on my note. This is an unauthorized use of my SSN and personal identity upon the company. I have been harrassed by XXXX , XXXX. They have left notes on my door, claiming that I am the borrower and I need to call them. The term borrower is not defined in the FDCPA, and that is because I am the creditor. I am the one who extended my credit through the note and these companies are playing with. At one point the company had an attorney contact me claiming that I owed an alleged debt to XXXX , XXXX. There are no attorneys. Then the communication stopped. The actions taken by this company has caused me a great deal of stress, financial burdens, and hardships. I have taken the action to bring XXXX , XXXX in suit for their direct violation of these laws of congress [ 15 USC 78ff ( a ) and 15 USC 1692 ( e ) ( 3 ) ].

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, 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 sent a request to XXXX  to investigate and remove these in accurate items from my credit report on XX/XX/2021 and have yet to get a response from the and none of the items on my report have been removed either and these items are impacting my report negatively and are keeping me from moving forward in life at this point so I need them removed since the FCRA clearly states if any items can not be verified within 30 days they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Square Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted a form on XX/XX/2020 outlining my attempts to obtain a {$280.00} for expired Payments to Cash App. I received a call from Cash App. The message said call us concerning your refund. The Cash App person that I spoke with has me input a series of numbers " for verification. '' I stupidly followed his guidance provided him all of my personal information and input a series of numbers. he instructed me to hit pay. I questioned this action and was told it was necessary for " the server '' and to " trust him, no payments '' would be processed and I would receive my refund within 45 min.WHEN ACTUALLY ANOTHER {$900.00}. was processed through mt bank via Cash App to various people that I had no intention or awareness of paying. HOW can they be allowed to lie, steal and cheat.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CAVALRY INVESTMENTS, LLC
State: GA
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:
On XXXX XXXX Cavalry Portfolio Services add a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and Im no longer responsible for the account Cavalry Portfolio Services did not verify this collection. Also there was no written form of communication, contact or signature for this accused debt at all. a bill without signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Cavalry Portfolio Services has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2018 I got hit with a hard inquiry from XXXX. I did not notice it until I saw my XXXX XXXX. I called up XXXX explained to them this wasn't me was an act of fraud because I never authorized it. The customer service rep had agreed to remove the hard inquiry from my file.

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 2021-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Other problem

Complaint:
I applied for a platinum Capital One credit card and was approved. I contacted them on several occasions asking if they report to the bureaus in which they answered yes. However, Capital one failed to uphold theyre policy to hep one build credit not harm it. The credit bureaus could not find anything or reporting from Capital One, so I requested to close the account and have my balance ( deposit ) returned. On the other han as a result of their horrible service I now have an inquiry on my report in which I would like removed in all fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Shellpoint Partners, LLC
State: AR
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:
XXXX FILED BK RECENTLY AND SETTLED WITH US FOR $ XXXX, they are tradelines associated with XXXX, XXXX & XXXX AND ALL TRADELINES, XXXX, XXXX, XXXX, AND SHELLPOINT SEE ( CASE NO.XXXX XXXX V. NEW PENN FINANCIAL ). WE WILL SUED YOU ALL CARBON CAPYING THIS CLASS ACTION LAWSUIT. ALL TRADELINES HAVE VIOLATED ALL STATE AND FEDERAL CONSUMER PROTECTIONS ACT ALONG WITH THE DODD-FRANK FRANK WALL STRRET REFORM AND CONSUMER PROTECTION ACT IN ADDIION TO FORCE XXXX  TO DELETE TRADELINES AND SEND WRITTEN PROOF FROM XXXX  DIRECTLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
The creditor XXXX is showing the same account 10 different times. Spoke with a customer service representative who was rude and unable to provide assistance. The information showing is inaccurate and misleading. This inaccurate and misleading information is causing me severe harm. 

I ask that XXXX  be removed from my credit report entirely. 

Below is details based off report : : : Creditor : XXXX  appears on my credit report 10 times. 

Date Last Active and Date Last Payment : showing different years and dates. 

Date Opened : showing incorrect opening dates Two Year Payment history : XXXX  is showing Ok status, XXXX is showing nothing, Experian is showing Charge-Off. Information is not showing accurately. 

Last Reported : Showing inaccurate date. Student loan account under different servicer during time period reported. During said time period account was in good standing.

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 2018-02-13
Company: TD BANK US HOLDING COMPANY
State: NC
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:
XXXX XXXX XXXX Fraud dispute information I noticed on my credit card online statement that a charge was put through that I did not put authorize. I called the bank immediately and told them that this was not my charge and this was a fraudulent charge. According to my direction the bank shut down that card and sent me a new one and informed me that they were filing a dispute and for me to look for documents in the mail from them in 7 to 10 days. When the documents never came in the mail I called them and was told that they didnt send out the dispute forms till the XX/XX/XXXX. This didnt sound right to me because I originally called them on the XX/XX/XXXX the same day the fraudulent charge appeared. I waited the 10 days and never received any documentation from them at this time. I was approximately 3 weeks out from the original call and still getting nowhere. I did have frequent conversations with the card company during this whole time. I called the direct line for the dispute department XX/XX/XXXX at that time and they told me there was no record of any dispute being filed. I was surprised to hear this because I had been on the phone many times with the credit card company over this and all the while they would assure me that they were taking care of this for me. No resolution so far and there is still a {$9200.00} charge on my credit card that I didnt put on the card. The lady from the dispute department that I called today XX/XX/XXXX assured me that she would file the dispute and that I should get a letter in 7-10 days. I have lost faith in this company because I have gotten the run around so many times. Here is a listing of the fraudulent charge and the dates and times spent on the phone with the credit card company ( enclosed document ). My credit rating was up around 800 before this happened and it took many years to get it to that level, now to be blown away by something I didnt do and a company that didnt seem to care about filing the paperwork or doing their job.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Capital One XXXX : This debt needs to be removed from my credit report as I no longer owe this debt. This has been paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
It appears bank is taking money out of my checking out. For the last 3 months, Suntrust bank has not sent the my mortgage payment amount to the address instructed on Bill Pay. We have managed to pay it eventually, but I have incurred {$500.00} in late charges. included is one time they did not even send a check, instead accused me of cancelling my own mortgage payment. For the month of XXXX, the funds have been withdrawn out of my account, but the Mortgage Company did not receive the check!! Trying to work with the local office, Suntrust At the XXXX, is impossible with various emails and phone conversations producing not results. All they do is refer to an 800 number which I have called before, and they assured me they would put their " best people '' on it, and take care of the issues. this has not happened, now money is missing out of my account. 
Bottom line is funds are gone from my account, and would like to report potential Fraud. Suntrust/Truist Bank service model is the worst you can imagine!

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 2020-08-29
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 had an account with the XXXX XXXX XXXX ( XXXX XXXX XXXX ) that was sold to a creditor XXXX XXXX XXXX for delinquency. On XX/XX/2020 I paid the debt in full to XXXX XXXX XXXX with the guarantee in writing from them that on XX/XX/2020 the account would be deleted from all three of my credit reports. This account has not been deleted and is still showing delinquent on my credit report. I filed a complaint with the XXXX XXXX XXXX in which XXXX XXXX   stated that they requested that this account be deleted from my credit report. This account has not been deleted and is damaging my credit. I submitted multiple disputed to all three bureaus and every time they reply back after an investigation saying that the debt/account will remain even after I provide then with the documents from the company stating that the debt is paid and it should be removed, along with the complaint letter from the XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
State: AZ
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 submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: SYNCHRONY FINANCIAL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

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