BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-08
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or company .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge on XXXX/XXXX/2015. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX keeps reporting late history payment. 

When I request proof, they sent a letter stating that they don't have any records, but they keep reporting negative information on 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 explanation
Consumer complaint received 2018-09-26
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I called in to make payment iao of XXXX the rep at the time didnt inform me that part of the payment would be applied towards fees and not the actual payment it caused me to get further behind every one there at first investors states there is nothing they can do and I believe that is a lie

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 monetary relief
Consumer complaint received 2018-04-05
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX To Whom It May Concern : On XX/XX/XXXX, we had a pipe in our master bathroom break. It flooded our master bath, our bedroom, the entry way, dining room and bar area. We called XXXX as our XXXX XXXX XXXX representative suggested. They came out and cleaned up the mess. They billed us for {$3200.00}. XXXX XXXX cut a check payable to XXXX and Selene Finance ( our mortgage company ). Since then, we have complied with all the requests of document ( which I will attach ) Selene Finance has asked for. They continually, lost, or misplaced docs and we had to resend them. XXXX also had to submit documents multiple times. After sending the docs they requested, they always then tell us that they need something else to release the funds to XXXX. Selene Finance refused the lien release that XXXX sent, and insisted on having their form instead. Each time we submitted additional documents, they had to go to a review panel, taking over a week to see if they would accept them. They even sent our an inspector to verify that all the mitigation work was complete. Finally, they admitted that they had everything they needed and we were to have XXXX send in the check. They did, but Selene Finance called me saying they were returning the check to me because it was not endorsed by XXXX. I told them that they should endorse the check and return it to XXXX since they are the ones that are owed the money. They refused saying it is not their policy to do that. After calling many times, they now say that they are rolling the mitigation into the repair and they will not release funds until 25 % of the work is complete. They state that mitigation is only % 15 of the work. We have not even started rebuilding. And we have a separate check for the rebuild. They are not reasonable. XXXX provided a service for us over 6 months ago. My insurance company paid for the services and our mortgage company is holding us hostage. They are not working in good faith. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Capital Accounts, LLC
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 status incorrect

Complaint:
Capital Accounts is reporting an erroneous debt on my credit file. This debt is not only past the statute of limitations and past the credit reporting limit but also PAID. I have included a screenshot of receive payment for the debt they are reporting. Even if this debt was not paid the receipt has the date for the last received payment, being that it is from 2010 this account should have never been reported to my credit file. I have perfect credit and this collection dropped my scores significantly. I need this debt removed from my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: WELLS FARGO & COMPANY
State: CA
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:
On XX/XX/2018 I went in to Wells Fargo Bank in XXXX XXXX, CA. I was wanting to close my checking account, and in an attempt to consolidate banks/accounts I asked if closing my secured card would affect my credit score or if it would not be worth it to close. The bank teller told me that due to it just being a secured card ( with small credit limit ) it won't damage my score, so I continued to close that as well. However, I was told several days later that it should not have been closed due to it being my oldest line of credit. I went back in to the same Wells Fargo branch and asked if they can reopen my account without another application or pulling my credit score- as I was told incorrect information. They said there was nothing they could do for me. They mailed a check for the collateral balance of {$300.00} which has not yet been cashed out due to me trying to fight this issue. Due to the misinformation I was given at the bank, my credit score is likely to take a significant hit since that was my oldest line of credit by far.

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 monetary relief
Consumer complaint received 2017-08-06
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The medical debt appeared on my credit. No wriiten notification- for {$100.00}. The debt has been PAID with the original credit XXXX XXXX -

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Experian Information Solutions Inc.
State: MA
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:
There is this account on my EXPERIAN credit report that I do not recognize, I dont know who the data furnisher is and the account is showing that it was discharged in bankruptcy but the problem is that I never had an account with this company called XXXX XXXX, there is no phone number being reported and it says that the account was opened in 2014. I have disputed this account with Experian and XXXX also and for some reason they told me that the account was verified as accurate. I know this cant be right because like I said I never had an account with this company. I asked EXPERIAN and XXXX for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes. This is affecting my credit worthiness really bad.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$2000.00}

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 2021-06-22
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries and addresses are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries and addresses from my credit file. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/2020

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 2021-08-09
Company: TD BANK US HOLDING COMPANY
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: TX
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED

MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 ST
ATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
I am writing to BANK OF AMERICA because I am having difficulties with buying a house and applying for new credit cards. I paid the charge off and do not owe anything, but the marks in XXXX, XXXX  and XXXX  reports prevents me from achieving the desired results. 
I am kindly requesting BANK OF AMERICA to remove this charge off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2021-04-28
Company: Bread Financial Holdings, Inc.
State: NJ
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:
Comenity Bank opened a XXXX XXXX XXXX in my name on XX/XX/2020. I did not open this credit card and never applied for credit from them. I never received a statement with an account number. I never received a credit card nor activated a card. 

XXXX is requiring an FTC complaint acknowledgment to report the card a fraudulent. When I tried to close the account with the Bank, they refused because I didn't have an account number for the account fraudulently opened in my name. I had to obtain the account number from the credit bureau to close the account with Comenity Bank. Most people wouldn't know enough to get the account number from the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-06
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This complaint is about XXXX credit card. I have been faithfully paying amounts exceeding the amounts due every month and was nearly complete in paying the credit card. This month I looked at the statement and 100 % plus some of the existing balance had been charged to the account. They are charging multiple fees for the same description within days of eachother. The fees are classified as adjustments and finance charges rolling from " promotional to rolling '' and were charged in XXXX 2017. I never receive communication regarding the assessment of these fees which would have enabled me to close the account sooner. This company is also routinely raising prices prior to sales and then presenting false hooks tag sale offers which exceed the prices prior to price hikes. I have notified the company that I would be reporting these issues to CFPB. I am seeking restitution for the {$330.00} in fees, but I strongly feel it is important to inform other consumers of their practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX. Account no.XXXX. Repossessed XXXX/XXXX/XXXX. Credit reports not posting XXXX XXXX payments, city of XXXX just mailed to taxes due from XXXX XXXX this XXXX XXXX first received XXXX. city of XXXX hired XXXX XXXX. I am XXXX since XXXX, on fixed income and not able to work. For a year now I had to get rides to medical appointments and missed some.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2020-09-01
Company: Strada Education Network, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received an email from Student Connections that once again has what I believe is false and misleading information on XX/XX/2020 despite previously asking them to correct this information and to be removed from their contact list in a prior CFPB complaint in relation to another email with the same incorrect information. My previous CFPB complaint, which remains unanswered by Student Connections is complaint number XXXX. The issue is that the correspondence address provided in both the new email as well as the older email referenced in complaint XXXX is for XXXX XXXX XXXX XXXX XXXX, instead of XXXX. As my actual loan servicer is XXXX XXXX, Student Connections should be providing contact information for either XXXX or XXXX XXXX and not XXXX XXXX XXXX XXXX XXXX. This incorrect information, if being provided to others, could jeopardize other Americans ' payment status to XXXX XXXX due to an inability for them to receive correspondence. Private companies like Student Connections should not be able to obtain my loan history and send me inaccurate information via email.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-27
Company: DISCOVER BANK
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  never lets me know the results of my dispute within 30 days. Have not explained why several accounts past 7 years still remain on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I am writing this due to non-compliance with the XXXX  Credit Reporting Agency, XXXX Credit Reporting Agency, and TransUnion Credit Reporting Agency. 

They have failed to remove information that was affiliated with personal details that was challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Good Afternoon, Today while checking my emails I received a notification from XXXX that my credit score had dropped due to XXXX hard inquiries from Capitol One. I find this frustrating as I did not apply for a credit card or approve a hard credit check. I would like to lodge a complaint and resolve the situation as soon as possible. 

The Inquiries took place on XX/XX/2023 and XX/XX/2023. 


Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief