BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: Lendmark Financial Services
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
the company Lendmark financial services made an arbitrary change of location of the store without my consent also their application stopped working and they gave me a phone number so I could look for the solution in which they do not have staff to help in XXXX and when I call them They only behave rudely and put me on hold on the phone and they don't want to expose me to the store manager, they claim that the location to which they sent me is better for me without consulting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am formally submitting this CFPB complaint just to notify you about the late open account upon checking it in in my credit file. I found out that the charge off and late/closed accounts still on my credit file which are appeared as late, the fact is, I've been paid it already. I dont even know why there's a charge off account in my credit file. I have carefully reviewed my credit report from your agency and have identified errors that I believe require immediate removal. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have carefully made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. With your assistance, these charge off and late/closed accounts should be removed in my credit file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XXXX mortgage was assumed by Shellpoint mortgage company effective date XX/XX/2019. We were sent a letter stating our XX/XX/2019 payment would be made to XXXX and we would submit XX/XX/2019 payment to Shellpoint. Shellpoint is stating that I did not pay my XX/XX/2019 payment. I have provided them proof of payment from my bank. In the letter Shellpoint states XXXX payment was made but returned which is not correct- documentation of XXXX statement showing payments correct, bank withdrawl and letter..I have provided documentation showing payment came out of my bank and no return and a letter from bank stating payment was made. I requested payment history that shows all payments made. They have reported this to credit report and I now have a substantially lower credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX Balance : {$700.00}

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-04-11
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They claim I owe {$290.00} and I have received text correspondence on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year. No verification of identity was given. I believe this is a scam. They claim to be the law office of MBA with the contact information XXXX and the website https : XXXX for a form of payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I don't owe anything to WAKEFIELD & ASSOCIATES with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXX XXXX XXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account XXXX : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 29 It also states a consumer reporting agency can not furnish a 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 2023-08-30
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is regarding a closed issue # XXXX in which I am disputing the late fees and finance charges on a closed account with TD Bank XXXX I PAID WHAT I OWED ON THIS ACCOUNT AND WILL NOT PAY ANY LATE FEES AND FINANCE CHARGES. This is outrageous - I paid what I owed on this account period. I advised TD Bank that all my accounts were to be closed in XXXX, XXXX I was never made aware that this one account was still active. I would like to know as stated by TD Bank when, in fact, I received two waivers in the last 12 months which is what they are stating in their response. Their billing system is quite confusing and I did request a waiver at one point in the last year and this would only be the second, and it should go back to when the original charge was made. I have accounts with numerous banks and TD Bank I closed because of the confusing way they credit and debit charges. All I am asking for is for them to waive the finance and late fees on a closed account. I have not used any of TD accounts or charges other than the two charges of {$4.00} which I paid immediately when I became aware that AOL charged this account. Please reconsider and advise me accordingly or what other options I have to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please delete these unnecessary items : XXXX, XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$540.00}

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 2023-11-09
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: Account information incorrect

Complaint:
XXXX XXXX let me have a {$200.00} secured credit card. This means its my money that is being used for the collateral. XXXX  XXXX isnt losing anything out of this arrangement. I lost my job and couldnt get through to make arrangements when I lost my job. That part is on me. When I received the total they charged me for late fees that exceeded {$150.00}. So they charged me for using my own money as credit. I can accept that. I wont accept paying that balance plus my deposit being taken and they still think I owe them late fees. I disputed it with the credit bureaus and showed proof of my payment. The final balance was {$350.00}. My original {$200.00} plus I paid another {$150.00}. That payed it in full. They are still reporting a late fee on a closed account. They closed the account. I wont pay the {$49.00} they claim I owe them.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-01-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX CREDIT CARD FRAUD CLAIM XX/XX/XXXX UNAUTHORIZED CHARGES OCCURRED XXXX XXXX   ISSUED Reps claim credits given on XX/XX/XXXX Statement which says TOTAL PAYMENTS AND CREDITS for this period {$400.00}. XX/XX/XXXX Adjustment Purchases CREDIT {$190.00} lists on front page with my payment of {$200.00} and XXXX XXXX THIS TOTALS {$400.00} AND ** IS ALL CREDITS and payments for this period The XXXX Adjustment Purchases {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEVER APPLIED Where are the permanet USAA credits of {$470.00} this letter says were issued BUT NEVER APPLIED? 
Why the New Purchase Adjustment Purchases XX/XX/XXXX {$190.00} and why?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting 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:
Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them 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
Consumer complaint received 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
XXXX XXXX XXXX made two hard pulls in 9 days for same product. one of these hard inquiries needs to be 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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX, XXXX, TRANSUNION AND XXXX IARE CURRENTLY SHOWING ON MY CREDIT REPORT AS A COLLECTION THAT IS NOT MINE..

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 2023-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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
Consumer complaint received 2023-08-03
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
In XXXX of 2021, us auto sales disabled my car even though I was not in default. I had to call out of work for a few days and I called them. They told me that something was wrong with the pastime device and I had to take to an auto shop to get fixed. I took to everything automotive on XXXX and they had to wait for part to be shipped so repair did not happen until XX/XX/2021, car was off on my birthday XX/XX/2021. I had to miss work and earned occurrences since was not planned PTO! Also, they transferred my car to another servicer and its been complaints of people vehicles being repoed even though not default. I am scared of losing vehicle that I need to get to work and to take care of my disabled son and mom. It is now with Westlake portfolio management. Also, us auto was making me get high insurance for years and I paid so much money and they were still charging me for collateral insurance with them. I called about it and they told me I had to get a deductible that was high and was adding a balance to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I was scammed by my friends phone account whose account was scammed. I had made a payment using my Capital One account checking via XXXX and had send {$700.00} dollars. I had no clue that the money I was sending was going to the imposter who had hacked my friends phone. When I found out I called the bank to request a dispute. The bank then had denied it and gave me misleading information in regards to XXXX. I also experience some rude costumer service in the fraud department and was denied for my claim even though i provided all the proof of messages from the scammer. I am not sure what else to do I feel very bad since this is the first time this happens and the support of Capital One had not been at all pleasing. I hope this complain about the scammer and Capital one helps.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I recently sold my home on XX/XX/XXXX, I was issued my equity balance at the time of closing minus the escrow amount balance of my account which I was assured it would be refunded to me within 30 days. I have not to date received my check. The mortgage company was called 5 times prior to closing to notify them of the sale and a new address was supplied to them. However, despite the multiple attempts to notify them of the new address they supposedly sent my check to the address of the house I sold on XX/XX/XXXX ... I did file a forwarding notice with the post office but did not receive any of my mail after it was filed I have since called multiple times requesting that it be deposited directly to my checking account only to be told that was not possible, so I requested that they send it directly to a different address and they supposedly did, never received it there ... all I get when I call are promises of reissues and overnight checks with tracking but the bank has failed to keep its word on doing anything it has said it would ... almost three months later, I still dont have my Escrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have called them trying to resolved my issue but they gave me little to no help. These missed payments from both accounts I have with capitol one is stopping me from securing a home for me and my children. The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 
Capitol One XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX 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