BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRUIST FINANCIAL CORPORATION
State: IL
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:
BB & T Mortgage company reported I failed to pay my mortgage on time in XXXX and XX/XX/2020. I respond my mail as as soon as I was aware of it in XXXX stating I paid the mortgage on time both months with mortgage payments evidence from the bank. The issue wasnt mortgage it was taxes. I am exempt and there was an issue with exemption status which was rectified once it was brought to my attention because I purchase my home mid year. Mortgage was never late or missed. Taxes were in question and when they were checked and verified they were paid immediately after document investigation and explanation. BB & T reported mortgage was late after they reviewed mortgage payment proof via 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 2023-09-24
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Per their website, I called TD Auto finance to get a lien release letter or some sort of documentation that I paid off my loan. Im trying the get a title since i never received the original title in the mail. 

Each time I call, Im told that they can send me the form by mail ( within 5-7 days ) or fax ( within an hour ). I chose mail the first 3 times, waited over a week but never received the document. I have also asked to have it faxed and never received the fax. Ive had to tell them my new address on at least 2 occasions which means it wasnt changed in the system as I had been lead to believe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
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:
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 XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 Balance : {$360.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00}

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 2021-02-18
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have called, mail and honestly cry alot dealing with this company called Santander. I have been trying to get this charged off removed from my account. I was told today XX/XX/XXXX that Santander sold my debt to XXXX XXXX XXXX, XXXX. I have attached a letter from XXXX XXXX stating " We have closed this account and placed it in a status that will prevent it from being sold or reassigned. '' on XX/XX/XXXX by XXXX XXXX from XXXX XXXX XXXX, XXXX. Yet it's still on my credit report. 

I was told by NJ AG that this account would be removed from my credit report due to the Santander Multi State settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
on XX/XX/XXXX we closed and sold a home on XXXX XXXX XXXX, of which we had a mortgage with NEW REZ LLC a shellpoint servicing company. after close on XX/XX/XXXX i was sent a notice from XXXX ( my homeowners insurance company on that property ) that they were issuing a refund in the amount of XXXX to refund the unused pprtion of the homeonwers insurance. the letter from XXXX stated that " refunds are issued to your mortgage company, for questions please contact your mortgage company NewRez LLC XXXX XXXX XXXX XXXX MI XXXX ''. I contacted New Rez by phone roughly 3 times a week starting XX/XX/XXXX, and was continually told they didn't know anything about it and to just wait. on XX/XX/XXXX, and XX/XX/XXXX i again called New RXXXX and got the same answer that they dont know anything about it. on XX/XX/XXXX i contacted XXXX, who informed me that the check they sent to New Rez was cashed and deposited by New Rez on XX/XX/XXXX, meaning New Rez now had those funds. I spent 4 hours speaking to New Rez on the afternoon of the XX/XX/XXXX and was still told they did not have any information, and would look into it. on XX/XX/XXXX i was emailed by new rez saying that they still had no idea and that they needed proof of payment ( on the XX/XX/XXXX i gave them the check number and the letter i had gotten from XXXX that XXXX had sent ). i am now being told they need more " proof of payment '' which is absurd since someone at New Rez has successfully cashed that check from XXXX, which in turn is money owed to me. it is unbelievable that a company with around 3000 employees seem to have cashed a check of money belonging to me and now no one can find it or even admit they have those funds in their account, much less when those funds will be sent to me. at the end of the day this institution owes me money and is being completely uncooperative in trying to even assist me in figuring out where those funds are, much less getting them to me. had i owed this bank money, my phone would be called 5 times a day threatening me with fees and credit dings.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX The company is not claiming to receive my payments on XX/XX/XXXX amount {$410.00} XX/XX/XXXX amount : {$410.00} XXXX XXXX ( don't remember exactly what date XXXX Since they kept saying that they hadn't received any payments since XXXX, I pad through their web site.They have also dinged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
after recently seeing interest I paid on 2 credit cards which is not the original rate [ Capital one there in my wallet ], I paid them off. after paying off total balance I was billed another payment and was restricted from any charges for use on both cards after being told that I had to do a verification and could not be accepted on 3 attempts. I am under the impression just the way they handle me as a customer that they dont want my business since there is no option for verification in person I froze the account online. They also told me that since it is now restricted that my choice to freeze cards can not be done since restricted. What they have told me is definitely scripted and seems to be an attempt to close my account. They also wiped out the XXXX XXXX  XXXX rewards I collected. My efforts to straighten up this mess has resulted in high then normal XXXX XXXX and the embarrassment of the cards not working after they told me it was working again. cards ending in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: NC
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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:
XX/XX/XXXX - SENT LETTERS TO ALL 3 BUREAUS DISPUTING ACCOUNT INFORMATION AND REQUESTED A FULL INVESTIGATION TO VERIFY POTENTIALLY ERROUNOUS INFORMATION AND DETERMINE IF THE ACCOUNT NEEDED TO BE REMOVED. I ALSO ASKED FOR AN UPDATED CREDIT REPORT AND IF ANYTHING IS VERIFIED I REQUESTED A COPY OF ANY PAPERWORK USED TO MAKE THIS DETERMINATION RESULTS : NO RESPONSE XX/XX/XXXX - SENT A REQUEST FOR A RE INVESTIGATION. STATED THST THE INFORMATION COULDNT POSSIBLY BE VERIFIED BECAUSE THE INFORMATION WAS STILL INACCURATE AND DIFFERENT ACCROSS ALL 3 BUREAUS. 
RESULTS : NO RESPONSE XX/XX/XXXX ASKED FOR A FULL INVESTIGATIION AND DISPUTED ACCOUNT AGAIN. THIS TIME ASKING FOR FULL DETAILS ON INVESTIGATION RESULTS : SENT A BILL PRINTED FROM PORTOFOLIO WITH ACCOUNT BALANCE STATING THIS PRINTED DOCUMENT IS CONSIDERED VERIFICATION XX/XX/XXXX : REQUESTED AN INVESTIGTION AND DISPUTED INFORMATION ON ALL 3 CREDIT REPORTS RESULTS : SENT COPY OF SAME BILL SENT IN THE PREVIOUS DISPUTE STATING DOCUMENT WAS CONSIDERED VERIFICATION XX/XX/XXXX : DISPUTED ACCOUNT INFORMATION. REQUESTED PROOF OF PREVIOUS REQUESTED INVESTIGATION FINDINGS. I ALSO REQUESTED ANY INFORMATION AND/OR DOCUMENTATION TO PROVE VERIFICATION. 

HOW IS THIS INFORMATION VERIFIED AND CREDIT REPORTS SHOW DIFFERENT " DATE LAST ACTIVE '' DATES? 

PLEASE REFER TO ATTACHED DOCUMENTS FOR CLARITY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : 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 2022-10-24
Company: Experian Information Solutions Inc.
State: TX
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 disputed with all 3 bureaus since XX/XX/XXXX on accounts that should not be reporting late payments! After the 1st round of disputes didn't result in any responses from the bureaus, I submitted a 2nd round on XX/XX/XXXX and again today, XX/XX/XXXX. After 4 months of disputing, the bureaus should've at least sent me an acknowledgment of my disputes, they never even did that!

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 2023-04-26
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against MIDLAND CREDIT MANAGEMENT MCM # XXXX. I reject MIDLAND CREDIT MANAGEMENTS offer to contract I did not consent to any nonaffiliated third party MIDLAND CREDIT MANAGEMENT MCMC # XXXX to be in possession of my Nonpublic Personal Information. I never gave permission to MIDLAND CREDIT MANAGEMENT use or to be in possesion of any of my identifying information. This is a Violation of THE GRAMM- LEECH- BLILEY ACT . They are harrasing me thru email, phone calls, and mail. I HAVE NO CONTRACT WITH MIDLAND CREDIT MANAGEMENT AND I HAVE NO LEGAL OBLIGATION TO PAY MIDLAND CREDIT MANAGEMENT. This is there notice to cease and desist all illegal activity and communications .I am not requesting validation of any alleged debt as I KNOW NOW that by MIDLAND CREDIT MANAGEMENT obtaining my Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. FDCPA STATES THAT MIDLAND CREDIT MANAGEMENT DOES NOT HAVE THE RIGHT TO CONTACT ME WITHOUT MY CONSENT PRIOR WHICH THEY DO NOT HAVE. XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO this debt collection company ''. Based on that I now have reason to believe that THEY ALL are conspiring against me trying to collect on a EXTENSION OF CREDIT through UNLAWFUL extortionate means. There is no TRILATERAL CONTRACT BETWEEN US MIDLAND CREDIT MANAGEMENT THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY MIDLAND CREDIT MANAGEMENT. THE FAIR DEBT COLLECTION PRATICES ACT ( FDCPA ) AND THE FEDERAL TRADE COMMISION ( FTC ) AND CFPB WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM THESE ILLEGAL PRATICES. I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED, AND ENFORCED AND IM CALLING ON THE CFPB TO ENFORCE AND POLICE MY CONSUMER FEDERAL RIGHTS. The collection of an extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. AGAIN WE HAVE NO CONTRACT MIDLAND CREDIT MANAGEMENT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH MIDLAND CREDIT MANAGEMENT NOR DESIRE TO. Section 807 ( 15 USC 1692e ) states that no deceptive or misleading practices nothing unfair from a debt collector is to be done. MIDLAND CREDIT MANAGEMENT SENDING LETTERS AND EMAILS IN BIG RED LETTERING HEAD STATING " PRE-LEGAL NOTIFICATION '' IS ILLEGAL AND THREATS TO SEND TO A LAWYER IS VIOLATION OF THE FDCPA .NOW I DEMAND THAT UNDER 15 USC 1692K CIVIL LIABILITY IM NOW TO BE AWAREDED {$1000.00} PER VIOLATION AND MIDLAND CREDIT MANAGEMENT YOU HAVE VIOLATED ME THREE TIMES IN THE LATEST LETTER I RECIEVED ON XX/XX/23. I DEMAND NOW UNDER THE FDCPA YOU SEND ME A CHECK FOR VIOLATIONS FOUND TOTALING {$3000.00} AND CEASE AND DESIST ALL THREATING COMMUNICATIONS WITH ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: EQUIFAX, 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:
XXXX XXXX ACCOUNT NUMBER XXXX I was hospitalized due to XXXX on XXXX XXXX. 
on XX/XX/2021 i called XXXX XXXX to notify them of my hospitalization and ask for an extension or forbearance for the upcoming XXXX payment which was due between XX/XX/XXXX and XXXX XXXX i was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. on XX/XX/XXXX following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my credit score. 
I would like the 3- day late deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
USAA XXXX XXXX credit card had set up on automatic payments then all of a sudden Im late get a phone call stating that my account is past due. Then my limit was dropped below and now they raised interest rates up And I will never get it paid at this rate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX XXXX  placed a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. 

I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency, XXXX XXXX XXXX, bought it from another. 

Today XX/XX/XXXX, I receive an email from XXXX that there was a change in my credit score. XXXX dropped my credit score 63! points for an account that has been proven to be fraud, more than ten years old and has been repeatedly removed from my credit reports because it is fraud and more than 10 years old. And now today the same fraudulent account is on my XXXX credit report twice!! It was first placed on my credit report on XX/XX/XXXX and again by the same company on XX/XX/XXXX So one day after I disputed the account as fraud and over 10 years old and before any investigation was even begun XXXX penalized me with a 63 point credit score decrease and allowed them to place the same identical fraudulent account on my credit report that I had just disputed two days earlier These repeated errors by XXXX, Equifax and XXXX  are cause for investigation into the companies themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
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:
XXXX XXXX ACCOUNT NUMBER XXXX I was hospitalized due to XXXX on XXXX XXXX. 
on XX/XX/2021 i called XXXX XXXX to notify them of my hospitalization and ask for an extension or forbearance for the upcoming XXXX payment which was due between XX/XX/XXXX and XXXX XXXX i was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. on XX/XX/XXXX following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my credit score. 
I would like the 3- day late deleted from my credit report

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