BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-02
Company: FAIR COLLECTIONS & OUTSOURCING, 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:
I've sent letters to the companies to who tries to collect a debt that's not mines. I asked for the original creditor and gave them 30days to verify the debt. No one did so they keep reporting the debt and lying to the credit bureaus Bout the debt being mines. I asked for proof, also 2 different companies has contacted me about the same debt. They change the date, payments and close and open it for how many times they want. They are hurting my credit score and I'm in need of help and also a victim of identity theft.

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 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Please Help!!!!! I have accounts report on my credit file that are not mine. I don't know how many ways I can tell you that the following accounts are not mine. I never open any such accounts. 

1. XXXX XXXX XXXX- it looks like a loan that was allegedly opened XX/XX/XXXX ; bal : {$74000.00} on my XXXX report. 

2. XXXX/XXXX - this account was allegedly opened in XX/XX/XXXX ; bal : {$7200.00} on my XXXX report 3. XXXX XXXX - XXXX - this account was allegedly opened in XX/XX/XXXX ; bal {$1700.00} The following address information is reporting inaccurately on my credit file : Transunion - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX - XXXX XXXX XXXX and XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: Granite Edvance Corporation
State: TN
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:
According to the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. So there should have no late payments in my credit report so there should have no late payments in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear CFPB, I contacted TD Bank XXXX XXXX XX/XX/XXXX asking for the copy of a XXXX lien in the husband 's name only and its termination which was disclosed in XXXX by XXXX XXXX  XXXX lien search for the bank and said to have needed to be satisfied in advance of closing my mortgage in XXXX. There is no UCC3 for this lien in XXXX.Mr XXXX sent some documents but he did not send any pertaining to the lien. 
TD Bank holds my mortgage taken out in XXXX. I have a terminating alimony and will need to sell my apartment within two years. If I do not have documentation that the lien is terminated, I will not be able to sell my apartment but I will also not be able to afford to continue to pay the mortgage to TD Bank, making my situation untenable. It is essential that the bank provide all documents to me concerning this lien in the husband 's name only. I have requested them several times and the bank has failed to send them. I am divorced, XXXX years old and the bank is putting me in an economically vulnerable situation by withholding my documents. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Despite sending FTC reports, police reports, notarized documents and filing disputes, and then hiring a credit repair company, all three credit bureaus and several creditors are still reporting fraudulent information and have not removed the items. Please see attached supporting documents that explain the situation, and the accounts in dispute. Complaints are being filed against both the bureaus and the creditors. This has been going on for years and it is extremely damaging to my credit and is costing me money to fight it. I want the items removed immediately. FTC and police reports attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX-Balance {$1100.00} XXXXXXXX-XXXX-Balance {$630.00} XXXX XXXX-XXXX-Balance {$10000.00} XXXX XXXX-Balance {$1200.00} XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) -XXXX-Balance {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My current balance is currently : {$540.00} The account is showing that my balance is currently : {$1400.00}, which is highly incorrect. I am requesting this account be investigated or the account be validated | verified.

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 2022-05-12
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I did not open this account ; someone using my information opened the account. I tried to contact XXXX XXXX, but they don't list their contact information. I have disputed this with Experian, and they tried to tell Experian they confirmed it was me. I know for a fact they never reached out to me personally.

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 2022-05-12
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In accordance with the fair credit Reporting Act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2016-03-18
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I keep getting calls from the collector of my student loan, Weltman Weinber & Associates, at very inconvenient times, before XXXX on weekdays. I have filed a complaint with them before through the Ohio XXXX and they had agreed to stop the calls. However ; their calls continue to be placed very early in the morning. I want this level of harassment to stop and to communicate with them only through mail at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NM
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had obtained an installment loan with One Main Financial ( formerly known as XXXX ) approximately in XX/XX/2016. Upon default due to hardship, One Main had continuously and repeatedly contacted myself on numerous occasions after reporting my financial status to them. Fortunately, after speaking to a supervisor ( XXXX XXXX ) and informing her my status we were able to come to terms of making an reasonable solution : pay a portion of the balance. While speaking to XXXX XXXX I was able to provide all necessary banking information such as banking account number and routing number, and informing her the timeline of when the money can be debted from my checking account so that the account status can be satisfied. However, on today 's date, I had received once again an unexpected call from a representative from One Main requesting for myself to make a payment over the phone. I had even at XXXX point requested from One Main to cease and assist with phone calls due to stress and aggravation that representatives were afflicting upon me. 
Again, I plan to pay the amount owed on the given day the money becomes available, however, I am asking for assistance from the Federal Trade Commission to stop with unwanted calls as I am construing this as a form of harassment now. 

Thank you for your time into resolving this matter on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Equifax Both agencies are reporting a medical debt for {$900.00} by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This bill was paid by XXXXXXXX XXXX  and XXXX XXXX tried to balance bill the contracted portion she is supposed to write off as a XXXX. I contacted the XXXX XXXX office and they corrected the billing mistake. They correctly adjusted the bill and removed the {$900.00} charge. I submitted the attached email I received from the XXXX  office and I requested XXXX and Equifax remove the false information being reported by XXXX XXXX XXXX. They did not remove the collection account and did not post the updated information I provided from the original creditor showing the bill was adjusted and the {$900.00} charge was removed. Both XXXX and Equifax keep reporting this false information and I have disputed this twice and called several times. This collection agency reporting needs to be completely deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX Last reported XX/XX/2021 {$480.00} Open balance XXXX Original creditor Is not my account. I have no knowledge of this account please remove.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: EQUIFAX, INC.
State: MS
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXXBalance {$3300.00} XXXX XXXX XXXXXXXX*-Balance {$280.00} DPT ED/XXXXBalance {$3100.00} DPT EDXXXXBalance {$1400.00} XXXXBalance {$530.00} XXXX  XXXX**XXXX*-Balance {$15.00} XXXX XXXXXXXX****-Balance {$22.00} XXXX XXXXXXXX****-Balance {$68.00XXXX XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX****-Balance {$230.00} ( Original Creditor : XXXX XXXX ) -XXXX***-Balance {$83.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent XXXX XXXX a letter on XX/XX/2020 requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 30 days and I have not received no response back. 

I sent a letter to Santander on XX/XX/2020 requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 30 days and I have not received no response back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26
Company: Harley Davidson Financial Services Inc
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I got a loan for a harley davidson bike, i fell on hard times and could not make the monthly payments. To my knowledge i think the bike was repoed after i was contacted by a repossession agent regarding the bike. The bike is now on my credit report stating i owe almost XXXX damaging my credit really bad

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
US Bank Home Mortgage is the company handling my mortgage. Our agreement is that they are to pay our homeowner 's insurance from my monthly mortgage payments. Over the past 2 years handling our mortgage, we have received several cancellation notices from my homeowner 's insurance companies due to non-payment of the premium that was supposed to be paid by US Bank Home Mortgage. Because of this, we have had our homeowner 's insurance cancelled multiple times and had to switch insurance carriers on account of this issue. At one point, I was told I had 2 insurance companies at the same time and was paying both of them. 
Now I am paying {$350.00} MORE than my regular mortgage payment PER MONTH. When I called the US Bank Home Mortgage to ask why, they told me it was because of all the insurance cancellations. They said there was a shortage of over {$4000.00} that needed to be paid off by me through my mortgage payments. I have never missed a payment nor have I ever not paid the amount in full. I paid Us Bank Home Mortgage what I owed " including the insurance money '' and because they did not pay the insurance company, I have this predicament. 

I do not feel that I should be held responsible for the mistakes of Us Bank Home Mortgage. I feel that per our agreement with them, they should be making regular payments to the insurance companies from my monthly payments so my insurance is not cancelled all the time. 
I live on a XXXX basis and I can not afford this. My mortgage was for {$140000.00} with est {$1100.00} a month mortgage payments. I now have to pay {$1500.00} a month for the next 12 months to pay off their mistake.

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 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion has hung up on me twice in regards to my previous to dispute that I called about. One representative claims that they never opened the letter, and another rep claims they completed a dispute letter on the same day and closed the dispute. However, they neglected to provide any dispute status to make me aware and I could not verify this information on their website. This violates the FCRA. In addition to this, TransUnion will not provide any information on how my disputed accounts were validated.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been attempting to close on a mortgage from HSBC for over 90 days. The bank keeps delaying the closing and charging me fees, for which full disclosures were not made, in an apparent attempt to improve the profitability of the mortgage due to HSBC delays. The loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY 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 2018-07-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a complaint already XXXX. I have been trying to get my cosignor released. First they told me I didn't make 36 consecutive payments and sent me a denial. Then after I contacted them they realized they were wrong and had to resubmit the form again stating that us citizenship was not checked off. I then was told they could take it verbally and the a letter stating it had to be resubmitted again. 
I then receive a letter dated XXXX stating I meet the eligibility of cosignor release. Then on XX/XX/12 I receive another denial letter. This has been going back and forth with stating it will be then it won't be. I hope the cfpb will look at this and agree that citizens stated the cosignor should be released and process this with out any more issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Issue: APR or interest rate

Complaint:
barclays credit card interest charge fees added to my account todays statement most recent balance was {$1800.00} charges of {$37.00} added to my account now my balance is now {$1800.00}. i need help statement from post date of XXXX XXXX. i lost about {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX ACCOUNT # 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 2 : 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 2016-11-30
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Hi I need to lodge a complaint against Barclays credit card. I paid my deferred remaining balance of {$75.00} on XXXX XXXX but on the XXXX XXXX statement, they charged me for deferred interest charges in the amount of {$220.00}. They said they reserve the right how to apply payments. I paid {$100.00} that covered the deferred remaining balance of {$75.00} on XXXX XXXX which was the due date. I can not afford to incur additional interest of {$220.00} as I paid everything related to that balance by the promotional time period. I think it is just unfair on my part that the bank is taking advantage of it and asking me to pay additional {$220.00} and that is why I am reaching out to you. The minimum payment due was {$39.00}. Thank you.

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