BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: First Advantage LNS 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:
I am a federally protected consumer, looking to resolve a matter in good faith. I am here with new evidence of this company not following regulatory obligations. As of XX/XX/2022 I am showing that National Credit Audit is still in violation of my rights by reporting derogatory, unfair, and inaccurate information. I am aware that National Credit Audit is a debt buyer, however, I have never gave them permission directly to furnish anything to my consumer report. I am also aware that history and transactions between a creditor and consumer are to be excluded from consumer reports and this company is furnishing transactional history between a creditor and I. This company is a XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
RE : Urgent Assistance Needed Regarding Capital One 360 Checking Account Hello, I trust this message finds you well. I am writing to seek urgent assistance regarding my Capital One 360 Checking account. 

In XX/XX/2023, I opened the account while I was not employed, and no funds were deposited during that month. However, I secured employment in XXXX, and on XX/XX/XXXX, my employer, XXXX XXXX XXXX XXXX XXXX, deposited {$3100.00} into my account. Additionally, on XX/XX/XXXX, I received XXXX smaller deposits of {$270.00} each. 

On XX/XX/XXXX and XXXX, I requested funds from my cousin for personal expenses, totaling {$2000.00} and {$1700.00} ( {$1000.00} + {$700.00} ), respectively. He transferred the money via XXXX, but my account was subsequently restricted from accessing these funds. Despite numerous attempts to reach out to customer care, I have not received any information about the account status, and my calls remain unanswered. 

The situation is particularly distressing as I have been waiting for these funds, and there is uncertainty regarding whether the bank will release them. I have informed my cousin, who confirmed that the funds originated from his payroll and provided proof in the form of pay slips. We are willing to provide any necessary documentation, but unfortunately, the bank has not responded to our calls or emails. 

I am reaching out for your assistance in resolving this matter promptly. Your help in facilitating communication with the bank or providing guidance on the necessary steps to recover my funds would be greatly appreciated. 

I am happy to provide any documentation needed to expedite this process and help me get my funds back. 


Thank you for your prompt attention to this issue. I look forward to your assistance in resolving this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have just recently looked over my credit report and I noticed some inaccurate accounts that are being reported on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how someone would have access to my credit report and because of this, I have no chance of gaining new credit. Please conduct a re-investigation into this issue and have those derogatory accounts removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: EQUIFAX, INC.
State: AZ
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 was notified of a credit inquiry in XX/XX/2018. I immediately attempted to dispute with the credit reporting agency. They determined this was a legitimate inquiry. I contacted XXXX XXXX to get this removed. I have been told multiple times by XXXX that the request has been submitted to the credit agency. The credit agency states they have not received anything and can not remove from my file. I have been fighting this since XX/XX/2018 and to date the inquiry still appears on my credit report. I have made several phone calls to both credit agency and creditor and I am not able to get this removed. I have filed a report with FTC and now I am here requesting assistance.This has affected my credit score and at no fault of my own. I will be purchasing a home in a few months so I need this removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: IL
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 and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Reported :XX/XX/2020 {$980.00} Needs Attention No contracts exist ... Account was settled with creditor ( no valid claims ) I want it removed. False information is being reported. 
I challenge the accuracy, compliance and reportability of these listings. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received written notice of debt collection by collections agency before they reported it to the credit bureaus. Now, it has damaged my credit

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 2021-08-13
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I have been receiving my direct deposit on my American Express serve card for three been my third pay period and I have had no issues at no point in time have been notified by American Express or serve that they were going to be rejecting my direct deposit going forward their claim was because of activity on the account the direct deposit came in I use the debit card and took the money out that was the thing I have done the entire time Ive had the account open they are now refusing to deposit theres one direct deposit which is my last direct deposit and I will happily close the accounts after this but theyre refusing to even give it back to me and I can not afford to be in that got my paycheck which is why I have it direct deposited in the first place when I spoke to Two people the first person told me that the reason this was happening was because my name was spelled wrong on my direct deposit which was not correct at all it was a lie then the second person told me that at all she could tell me was it wasnt gon na happen I wasnt getting my direct deposit yesterday Im a XXXX  they refused to transfer me told me they were as no one above them and there was no security department either that handled anything like this basically I was told that this decision comes out of thin air and it is what it is and I have to deal with it I will not receive my paycheck now for another week which means I will put my son I have a XXXX-year-old son that I put food on the table for I keep a roof over his head and I hate to break it to everybody but elections are now on the rise and thats what I will be facing because of this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CAPITAL ONE 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:
Capital one shared my information after I XXXX XXXX ask them not to pay XXXX XXXXXXXX XXXX XXXX.and I and raise my credit without my authorization also report me late to credit bureaus and I made every payment on time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am trying to add my TD bank account to my XXXX account so I can have a working bitcoin wallet. When I put my TD information in to add the account, a prompt came up telling me the TD bank is blocking access to enable my external applications. This is the only account I can open my bitcoin wallet with and I should be able to add that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: LA
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'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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX {$34.00}, {$460.00}, {$310.00}, {$30.00} & {$55.00} I challenge the accuracy, compliance and reportability of these listings. There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) insurance provider confirmed that accounts were paid in full ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint We applied for prequalification of a house mortgage loan in XX/XX/2021 with Fifth Third Bank and got an approval. We get services at the branch located at XXXX XXXX XXXX, XXXX, KY XXXX on XX/XX/2021, we submitted the application for the house mortgage loan ( loan app # ) and received denial based on a technical error on XXXX XXXX. We contacted the bank soon afterwards about the error and the bank acknowledged that this was a mistake that should be corrected, and we should be able to fulfill the criteria to receive a house mortgage loan before the closing which was scheduled on XX/XX/2021. 
The bank officials involved in the loan processing endlessly and needlessly prolonged the process despite prompt submission of documentation and evidence from third parties and us about the error beyond the scheduled date of closing. During this period spanning almost 2 months, the banks officials repeatedly gave us false reassurances that the application will be approved leaving us no time to apply to other lenders. Subsequently, we were informed on XX/XX/XXXX via phone text informally that the loan is approved which was after the scheduled closing date. This left the parties no time to complete the transaction and sellers and buyers had to terminate the purchasing contract as there was no time to get the loan application processed by another lender. 
We are concerned that this episode not only reflects incompetence and negligence on the part of the officials involved but at the same time may indicate a deeper problem of discrimination based on our XXXX and national origin despite fulfilling all the criteria to qualify for mortgage loan approval. This has created an emergency housing situation for our family. 
We have been a customer of 53 bank for more than 10 years and have large sums in our account, with high income to debt ratio and excellent credit scores but have been treated by your institution in the worst possible way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been having trouble with the 13 % high interest rate on this loan. I have paid mostly interest on this loan for more than a decade upwards of {$28000.00}. Its a {$20000.00} loan. I still owe {$12000.00} according to them. Earlier this year I had discovered that the new payment plan I had established with them earlier only put about 15 % of the payment toward the principal and the rest toward the interest. I felt that I was being cheated and called them up to negotiate another plan that will help me pay down the principal, with emphasis on lowering interest. The would only keep stating to me " the interest rate is set by the lender ''. I decided to not pay anymore at all. 
Yesterday, XX/XX/XXXX I received a letter in the mail stating that they were about to start reporting to the credit agencies about my delinquency. It read in the second paragraph " If you're having trouble making the Navient private student loan payment, you may be eligible for a repayment program, such as interest rate adjustments or loan modifications. '' Today, XX/XX/XXXX i called them and stated what the letter said and I was refused help. She said it was an automated letter and that I don't qualify for help. I was told I don't qualify for any programs to lower my payment or interest or apply more to my principal than to the interest payment. She even said there was a program where I could pay just an interest payment and buy myself another month to figure it out! Just interest! I stated that makes me believe that Navient is really into only making a profit. Do I really have to keep paying interest on this loan just to keep my credit score up? 
I think that this loan, originally processed through Sallie Mae, is predatory. I can't even work because of health problems and they say I make too much through my husband. My diploma isn't worth anything because of the school I graduated from. I can not get this loan refinanced because I don't make ENOUGH income. Am I really going to be help prisoner by the interest on this loan? Do I really have to keep throwing my husband 's hard earned money away to interest payments? I graduated in XXXX been paying since XXXX. Are there any programs I qualify for because I've been paying so long? Are they being ignored by Navient servicers?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This XXXX collection account was the subject of previous CFPB complaint # XXXX. The collection agency XXXX XXXX claimed they did not receive my dispute letter and that they had sent the account back to XXXX. 

XXXX subsequently placed the account with a new collection agency, Transworld Systems of XXXX XXXX, PA, which is the subject of this complaint. I sent a request by certified mail disputing the amount and requesting a detailed accounting of the amount XXXX claims I owe. Transworld Systems signed the certified mail request card ( a copy of which is attached ), indicating they received my dispute letter, but they have never responded to me. The XXXX account remains on my credit report. This is an infraction of the FCRA. 

I switched from XXXX to XXXX XXXX XXXX on XX/XX/2023, and XXXX acknowledged the transfer by text message on the same date ( copy attached ). I subsequently received notification from XXXX that they claimed to provide service through XX/XX/XXXX and were billing me an additional {$120.00}. I have had XXXX XXXX XXXX service since XX/XX/2023, which XXXX acknowledged. XXXX has never provided me with a copy of the final bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NJ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2023-04-25
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: Information belongs to someone else

Complaint:
I am interested in processing disputes to help remove all inaccurate information only credit report with experian. looking at the data submitted it is invalid an is hindering my file. please review all data an delete the required information. this has hindered my file an caused lot of errors. please help clean my credit report asap.

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