BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-02-24
Company: Exeter Finance Corp.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( EXETER FIN ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion had multiple errors where all my credit inquiries were removed and they reappeared. I stated to them i was a victim of inquiries and they should be removed. They keep responding that after the dispute that it stands which is incorrect. Not once they did this to my credit report but twice. And they dont have an explanation for that reason

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Receivede-mailthatcreditcardhadbeenclosedaweekearlier.Nowarningwasgiven.WhencallingCapitalone,agent(XXXX)statedIshouldhaveexpecteditfromtermsofserviceIreceivedayearago.Agenttriedtostatethatallbankswillcloseforinactivity,butCapitalonewillgivenowarningaheadoftimeasapolicyandwillonlytellyouafterthefact.Atacertainpoint,agent'stonemadeitapparenttheywantedmetohangupbutIstatedIwouldliketocontinueallwhileItrytofindothercasesofthisoccurringandhowtheywerehandled.Agentbegantoclaimtheycouldnothearmeanddisconnectedcall.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: TD BANK US HOLDING COMPANY
State: AA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: BB&T CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Multiple accounts were opened with BB & T Bank on or around XX/XX/XXXX. When I checked my credit score at some point in XXXX I disputed the accounts, among multiple other accounts with different banks, as they were a result of identity theft. I contacted all three credit reporting agencies. I am currently unaware of my credit reports other than with XXXX, but I intend to get the other reports soon to make sure they are accurate. 

I contacted the banks involved to notify them of the fraudulent accounts. XXXX has since removed all fraudulent accounts from my past open and closed accounts on my credit report. BB & T is still reporting derogatory remarks and will not accept my dispute for one of the accounts (  {$4400.00} ) .The other account ( {$500.00} as of XX/XX/XXXX ) has been recognized as identity theft, as it is not on my XXXX credit report anymore. They have denied my identity theft claim for the existing account at least 3 times. 

I submitted an identity theft affidavit to BB & T on XX/XX/XXXX. The first time they denied my claim, they requested proof of residency from XXXX on XX/XX/XXXX. I provided that on XX/XX/XXXX via email. After waiting for a response and checking to see if it was removed from my credit report, I called and they told me that they had never received it, I sent it again on XX/XX/XXXX. Once I sent it again and waited for a response, they told me that the identification card that I sent them needed to reflect my current address. I sent them an updated copy of my ID within a few days of going to the BMV to get a new one on XX/XX/XXXX. I called on XX/XX/XXXX to see what the status of my case was and they informed me over the phone that the signature they had on their documents matches the one they can see on my ID I'm assuming. 

I feel as if they find a new reason to deny my claim every time and they are illegitimate, as I have provided everything they have asked for. I also submitted a complaint to the company on XX/XX/XXXX for the terrible time I have had dealing with them and their staff. The person working on my case was out on medical leave for months and my information sat on her desk, while I received derogatory credit reporting. I was informed that I would receive a response for my complaint in 15 business days. I have never heard anything back. 

I also received a debt collection notice ( XXXX XXXX XXXX ) on XX/XX/XXXX with regard to an account with BB & T for XXXX. I believe the identity theft could be a result of a data breach with a local government on XX/XX/XXXX. I have also had a tax return filed in my name ( eventually received my return ) and had a phone bill opened up in my name that went to collections ( since resolved with XXXX ). I have filed two police reports on this matter.

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 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 had sent in a complaint concerning my account. This account is closed but XXXX is still showing late payments.

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 2020-11-28
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I have had multiple accounts with Netspend for many years, and my most recent account for almost two years. I filed a dispute with Netspend over a {$36.00} charge through XXXX on XX/XX/2020 for a charge paid out for no delivery. The dispute was investigated and closed without Netspend contacting me. I called and emailed Netspend on XX/XX/2020 to re-open the dispute because no one contacted me regarding the response, or to provide me with the follow-up documents from XXXX for me to respond to. I requested a manager call-back to speak with someone about the dispute, and was told the request would be escalated and someone would call me within 24-48 hours. I never received a call back. On XX/XX/2020, I received a text message that I needed to contact Customer Service about an issue with my account. When I called them a few moments later, I was told that Netspend had closed my account without contacting me, with over {$3000.00} of my money tied up in my account without a way to access my funds. I have made multiple calls, was told multiple times that someone would send a follow-up and escalate, and each time told it would take 24-48 hours for a call back. I was also told that someone tried to call me and that they had left messages, but my call records show that no call was made to contact me and no voice messages were received. The company is refusing to open my account for me to withdraw my money, or to contact me back. Since this account is my primary account and all of my funds are tied to this account, I have had no access to my money, and the company is refusing to allow me to withdraw, access, or transfer my money to a different account which is now causing financial hardship by the inability to pay bills, rent, or purchase fuel for my vehicle to even get to work. When I try to call them, I get hung up on, transferred back to a queue, or refused any action to resolve the issues. I am at risk of losing my job for not being able to get to work, and of being evicted for not being able to pay my rent. I want resolution, and I want my money.

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 2023-05-25
Company: Experian Information Solutions 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:
to whom may concern, i am unaware of any awares of these so called charges.i am just becoming aware of this charges to my credit account. i dont know who placed it on my account but, i will like it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: U.S. BANCORP
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I opened an account with US Bank on XX/XX/XXXX. 
I received a separate series of emails today with a different application number and account. 

We received your application on XX/XX/2022. Your application ID is XXXX. 
Email received Tue, XX/XX/XXXX, XXXX PM ( 7 days ago ) Your U.S. Bank Easy Checking application was approved. 

Email received XXXX PM ( XXXX hours ago ) Thank you for applying for a U.S. Bank Easy Checking Account. 
We received your application on XX/XX/2022. Your application ID is. 

Were in the process of reviewing your application and will notify you as soon as its complete. If you didnt authorize this request, please call us right away Seperate email XXXX PM ( XXXX hours ago ) Application ID : 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 2019-01-17
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: Public record information inaccurate

Complaint:
I asked XXXX, XXXX, equifax to validate and delete this inaccurate information and the information was never sent to me and this negative inaccurate information is impacting my credit scores i asked for this XX/XX/2018 for the public record bankruptcy and a closed credit card account and inquiries to be deleted. Because of inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
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: Information belongs to someone else

Complaint:
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # 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 2019-03-08
Company: EQUIFAX, INC.
State: NV
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:
Equifax Company fails on many levels. The reasons are stated below : Supervisor of Equifax XXXX XXXX states " Equifax often misrepesents information ''. XX/XX/XXXX Supervisor XXXX XXXX VERBALLY confirmed the dispute I filed has been resolved and cleared. 

Extremely poor customer service at many levels by several agents prior to finally speaking with Mr. XXXX who failed as well. 

Refusal by Equifax to send written confirmation of a confirmed dispute clearance by XXXX XXXX on XX/XX/XXXX. An email confirmation had been sent by Equifax with a confirmation number which confirmed I could verify my results. In fact this was false which led me to contact a customer service agent in the first place. 

Refusal of Equifax to send requested credit report by email or mail XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: LTD Financial Services, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XX/XX/XXXX - I terminated my lease with XXXX XXXX XXXX XXXX for their property on XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) at XXXX XXXX XXXX XXXX, XXXX CO XXXX XXXX 

On the same day I was sent an invoice for lease breakage via mail which I paid via a cashiers cheque. I have email of the invoice, payment receipt as well as the scanned copy of the paper receipt. 

XX/XX/XXXX - The company 's leasing agents started calling me demanding extra money without providing me with an invoice or any explanation of why the additional money was requested - I sent them details of payment made and requested for a refund of my security deposit - no response from them. 

XX/XX/XXXX - XXXX again call me without providing either any amount or any invoice or any basis of charging me XX/XX/XXXX - I send a notice via registered post as well as email - demanding either a refund of my security deposit or a statement of my accounts due to me as per Colorado statutes from XXXX ( Post sent to their authorized representative Mr. XXXX XXXX at their registered address in XXXX ). XXXX still did not provide me a statement of my accounts to me as requested or a refund of my security deposit XX/XX/XXXX - I notice a significant decline in my credit score and upon checking the report find that a debt collection agency named LTD Financial ( XXXX XXXX XXXX  ) have placed a negative account charge on my credit report - without contacting me, either via phone, or post or mail or providing me with any proof of debt as per fair debt collection practices act XX/XX/XXXX - I raise an investigation with XXXX  on the negative charge and send email notice to LTD financial at the registered mail address on their website ( XXXX ) Thus XXXX   demanded payments without providing an invoice, without providing any evidence of debt owed, shared my personal information with debt collection agencies without my consent. LTD Financial placed a negative account charge on my credit report, damaging my credit score without making any attempts to contact me or provide me any evidence/information of debt owed  as is required by Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A few months ago I noticed a collections account from XX/XX/XXXX. I investigated the account and it was from an emergency visit that was sent over to my insurance and they even paid it. To my knowledge the balance was taken care of and it even reflects in the paperwork they sent me. I requested validation for the debt and I was sent information showing where my insurance had paid and they somehow ended up on my credit file. I have always had the best XX/XX/XXXX from my job and have never had to pay for emergency service out of pocket. I was never sent any paperwork or information for this account EVER, THEY JUST PUT ME IN DEFAULT, the address isn't even correct on their records. On top of that, this company has violated my HIPAA Rights by sending me my own medical services rendered and Dr. information WITHOUT SIGNED HIPAA RELEASE FORM. I have ran a complaint with the CFPB with no avail, please supervise the deletion of this inaccurate, invalidated, attack on my character, and ability to borrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capstone Credit and Collections settled a debt for {$1000.00}. Along with other debt collection payments done the same week the result was the removal of the collection from XXXX ; however Capstone Credit and Collection out of XXXX Florida and has not removed their name from my credit report after the debt was paid in full. They also refused to email a receipt of payment. They were called to dispute the matter of the removing the collection, and Capstone said if an addition {$1400.00} is paid to them they will removed it from the credit report. XXXX has put in a dispute for a fully paid account and further believes this is an unfair business practice. According to XXXX they have to keep reporting the collection as long as Capstone sends in an update ; however they see no reason why Capstone would charge an additional fee to remove it from the credit report. 
Capstone Credit and Collection agents both man and woman were very rude, aggressive, threatening, and demeaning ; even going as far as to yell and hang the phone up before the conversation was finished. The XXXX XXXX XXXX had said Capstone Credit out of XXXX Florida has over 38 complaints filed and has not responded to any.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Bread Financial Holdings, Inc.
State: VA
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:
Someone stole my credit card then used it fraudulently. I contacted the card user about the fraud. I sent the card issuer an identity theft affidavit & a police report. Cemenity Bank, the card issuer, is refusing to remove the negative information from my credit report thereby violating the fair credit reporting act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: NC
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 complaint is against XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation