BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on CAPITAL ONE BANK USA NA XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-14
Company: TD BANK US HOLDING COMPANY
State: NY
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:
I called TDBank credit card services on XX/XX/18 around XXXX to inquire about lowering my interest rate on my card Ive had for XXXX XXXX years. The first representative that answered my call stated that currently TDBANK does not offer any reduction in interest rates. After I explained Ive been a customer for 6 1/2 years and Ive made consistent payments the representative went on to say that TDBANK only lowers the interest after looking into the account and history and credit score. I explained that Ive never received an offer of any kind or message that they have looked into my account. She went on to say that they would offer me a lower credit if I had an increase in my credit score which I went on to tell her that I actually had a recent increase of 14pts and definitely have had an increase over the past 6 years. After going back and forth, I asked to speak to a supervisor. The supervisor came on and stated that TDBANK is currently offering no decreases any customers interest rates. I asked why then did the previous representative tell me that they look into the accounts and that i would get one if my credit score increased? She said that that was untrue and that the person must have been new. Its hard to tell whats true and whats not with all the misinformation. TDBank Was not only uneilking to work with me as a customer but worse was unable to give me accurate information regarding their policies around lowering interest rates. Ive called in the past as well and they told me to look out for promotions in the mail regarding lowering my interest. I have yet to receive anything in the mail for 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the 9th Complaint against Select Portfolio Servicing ( SPS ) and its Principals via CFPB and Comptroller of Currency ( COC ). SPS refused ( a ) to respond to all elements in my First Qualified Written Request ( QWR ) under RESPA and ( b ) refused to mail Monthly Mortgage Statement - engaging in fraudulent misplacement of my mortgage payments, since XX/XX/2020. Now, at the end, it requies a Federal Lawsuit. 

There are over 10,000 internet complaints against SPS and its principals and I request that CFPB investigate and sues SPS-RICO organization for its massive criminal acts and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I open an account on Sunday in Bank of America, after approved, I added my direct deposit, they closed the account without saying or sending me an email, calling me, nothing. My direct deposit went through and they refuse to give it back until 10 business days.

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 2018-02-09
Company: Ability Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account showed up on my credit report. Was not notified via mail or phone about the debt, amount owed or the original creditor. Thus, not given the chance to request validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it my concern, I have several inaccurate names on my credit file the do not belong to me and need to be corrected. My name is XXXX XXXX XXXX please delete remove any and ALL variations abbreviations or likeness to my name. 
I need the following fraudulent address removed from my credit report. they are not accurate. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX- XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX  XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Prosper Marketplace, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XXXX I entered a consumer credit transaction ( pursuant to 15 usc 1602 ( i ) ) with Prosper in which a finance charge was involved ( pursuant to 15 usc 1605 ) with is the sum of ALL charges. I would like to state that am a federally protected consumer/ Natural person under the 15 usc 1602 ( truth in lending ) 15 usc 1692 ( fair debt collection practicing act ) and 15 usc 1681 ( fair credit reporting act ) ive found that my rights as a consumer have been violation under theses acts attached to this complaint is my notarized affidavit of truth in which i state all facts and violations done within the consumer credit transaction and Exhibits I've also attached the cease in desist letter ( pursuant to 15 usc 1692c ( c ) ) that I've sent to Prosper via certified mail. Stating I will no longer continue to pay on this alleged debt and invoking my specified remedy pursuant to 15 usc 1692c ( c ) ( 2 ) ( 3 ). it is clear that prosper is not only criminally liable pursuant to 15 usc 1611 but civil liable pursuant to 15 usc 1692k

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 2021-03-26
Company: EQUIFAX, INC.
State: PA
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:
Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contact this company and told them that the debt that they are reporting on my credit report is fraud activity I also told this company to stop contacting me and they did not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: UMB FINANCIAL CORPORATION
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My YSA Flexible Spending card was stolen on XX/XX/XXXX. I didn't realize it was stolen until about a week later. I called and requested a new card, and the agent did not go over the transactions pending on the account, so I had no idea there was an unauthorized charge. The charge was done on XX/XX/XXXX for {$8.00} at XXXX XXXX XXXX , XXXX, FL. ( Yes, the charge is at a key-making kiosk ... pretty sure their MCC code has nothing to do with medical services or products, so it should have never been approved in the first place. ) On XX/XX/XXXX, I noticed I'd received a notice to provide documentation for a pending claim from YSA. On that day, I provided the first notice ( attached as Flex Card Stolen.pdf ) that the card in question was unauthorized. Per Regulation E, YSA had 10 business days from that date to provide provisional credit and begin their investigation. I then received another notice on XX/XX/XXXX that the information provided was insufficient and I needed to provide receipts and documentation to prove the eligibility of the charge. At that time I contacted the company via phone and made another claim of fraud. They claimed I needed to fill out a form ; however, on the form they said I needed to fill it, it clearly states that instead of the form, I can provide them with a written explanation of the nature of my dispute. As such, I again provided a more detailed notice on that date ( XX/XX/XXXX ) detailing the unauthorized nature of the transaction. I have again received the same vague notice on XX/XX/XXXX that more information is required. As such, I have filled out their form and uploaded it to the site. Since the transaction is unauthorized, there is no other information I can provide. I find this process to be unnecessarily burdensome ( quite frankly ridiculous, just like every interaction with Your Spending Account ) and in violation of my rights under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In 2018 I entered into an agreement to attend classes at a professional development school. After attending a couple classes I was not satisfied with the school and withdrew from attendance. The course was valued at approx. {$10000.00}. I agreed to an ACH withdrawal for the monthly payments of the costs of the classes. 
After withdrawing from the courses, the school continued to attempt the ACH debits which were disputed with the bank and refunded. 
More than a year passed with no contact from the school until I received an alert that a negative account had been reported on all 3 of the national credit reporting agencies. The school reported that my account was over 120 days past due. 
I disputed the negative item with all three agencies. The school responded to the disputes stating the debt was valid. The disputes were closed and the negative item remains. 
The reporting agencies advised that the only other recourse was to contact the creditor for resolution. When I contacted them I was told that they were not interested in discussing the matter further ; that the only resolution was to make payments and bring the account current. I advised that no further payments would ever be made, that I would no longer be attending classes there was no reason to pay. 
The next week I received another negative item alert from all three agencies that the account from the school was listed as charged off. Taking yet another major hit to my FICO score. 
None of the agencies or the school has offered any path to resolving this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
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: Public record information inaccurate

Complaint:
There is a Bankruptcy showing on my report from 2015. Account number XXXX. This is not my account. 

I've been subjected to a breach and there are several inquires on my credit report that are not mines. See FTC report attached.

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 2021-01-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a hard inquiry that is listed on my report. I have called Equifax to have it removed because I do not have an open account with the company. They stated that I needed a FTC report. I do not have an account with the creditor, I have not initiated, authorized, or gave permission on any transaction with listed consumers. 

I have requested that the inquiry be removed. When I spoke to Equifax they told me the do not abide by the the laws but go by their policy to have a report. I told them that I could not file a police report, as there is not active account open, I have not lost any money or no accounts have been obtained. 



I advised they are in violation of Fair Credit Reporting Act 15 U.S.C. 1681b. A person should not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized. 



It requires that consumer reporting agencies adopt and implement reasonable procedures for ensuring that credit information about a consumer was collected, maintained, and dispensed in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. 



Equifax told me they did not care about the law and to file a complaint with FTC. I told them that I was aware In XX/XX/XXXX, Equifax settled a lawsuit stemming from its XXXX data breach, which exposed the personal information of 147 million people. Under the settlement with the FTC, CFPB and state attorneys general, Equifax has agreed to spend up to {$420.00} XXXX to help people affected by the data breach. 



If my information has been breached by their company they should abide by my rights as a consumer to remove the incorrect information. 

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.15 U.S. Code 1681 I can seek damages from a business that violates my rights under the FCRA XXXX They told me they did not care and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies these accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. USDOEXXXX XXXX {$48000.00} US DEP ED XXXX {$23000.00} US DEP ED XXXX {$2900.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$3800.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, 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:
I pulled my credit and noticed several inquries that are wrong and many I never did or recognize MOST ARE AUTO Companies i never applied for XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX : Auto Finance Companies XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-03-30
Company: GOLD KEY CREDIT, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Golden Key Credit Inc. has placed illegal derogatory information on my credit report. I have contacted them by mail about this matter on several occasions, but they have ignored my request to validate the said debt or contract that I owe to them. I have absolutely no knowledge of this debt. According to my rights under HIPPA they are in serious violation of the law. There has never been any type of relationship between this business and me. This very lewd act is punishable by law. Date XX/XX/17, amount {$870.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09
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: Personal information incorrect

Complaint:
To Whom It May Concern TransUnion XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Third party not involved, XXXX-present TransUnion have violated my rights by using my information and reporting my information without my written consent. This is a violation Pursuant to 15 U.S. Code 1681

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 2020-09-05
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: Account information incorrect

Complaint:
Account was paid ( settled ) in full on XX/XX/26! Company is showing reduced balance but not that the account has been paid and settled

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