BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-10
Company: U.S. BANCORP
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried on several Occasion in XX/XX/2019 and XX/XX/2019 to get my mortgage company to report to the three credit agencys. They said they cant and to would look into it. I filed for bankruptcy in spring 2019 but reaffirmed my mortgage and paid like I should have. The mortgage was not included into my bankruptcy. I cant get US bank to report my payments. Please help.

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 2022-04-27
Company: EQUIFAX, INC.
State: NY
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 Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Experian Information Solutions Inc.
State: NV
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:
on or  XXXX   XXXX   XXXX   XXXX ,   XXXX   and experian took information from a  XXXX   2016  court document and did not follow the judgment all the way through to the end. If they would have followed and looked at the actual judgement They would have seen that my name was removed. my credit has been drastically affected and I have been turned down for credit do to their miss information filing. The judgement is for {$5400.00}. It does not belong to me though it belongs to  XXXX   XXXX   XXXX . I have filed with all  XXXX  credit reporting agency to have it removed.     I am filing a complaint to hold these credit agency responsible for destroying peoples lives without having any responsibilities to their actions and how it affects those they misrepresent. I would ask that CFPB Fine these agencies to the tune of   XXXX   of dollars for every false filing they claim as true. They must be held responsible for what they do to people. I am looking to protect us from these agency. I hope you are as well.

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 2019-12-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Healthcare Revenue Recovery Group sent me a letter stating will obtain a copy of a judgement and mail you a copy if I dispute the validity of this debt or any portion thereof.

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 2020-03-02
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I paid {$560.00} to XXXX XXXX XXXX AZ for personal training sessions. I was supposed to have 9 sessions to use that never expire. Due to work and scheduling conflicts I was unable to use the training sessions in XXXX and in XXXX the trainer quit so there was no way for me to use these. In XX/XX/XXXX the gym closed down abruptly and I tried multiple times to get a refund for the unused sessions. The gym never contacted me back and so I reached out to my bank which is BBVA on XX/XX/XXXX to file a dispute to get the money back. XX/XX/XXXX I found out that my claim was not filed properly or for the proper amount despite me telling them how much I was disputing and why. I have now had to file another claim for this but my concern is their lack of care in trying to resolve this for me and get my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
on or  XXXX   XXXX   XXXX   XXXX , transunion and  XXXX  took information from a  XXXX   2016  court document and did not follow the judgment all the way through to the end. If they would have followed and looked at the actual judgement They would have seen that my name was removed. my credit has been drastically affected and I have been turned down for credit do to their miss information filing. The judgement is for {$5400.00}. It does not belong to me though it belongs to  XXXX   XXXX   XXXX . I have filed with all  XXXX  credit reporting agency to have it removed.     I am filing a complaint to hold these credit agency responsible for destroying peoples lives without having any responsibilities to their actions and how it affects those they misrepresent. I would ask that CFPB  Fine  these agencies to the tune of   XXXX   of dollars for every false filing they claim as true. They must be held responsible for what they do to people. I am looking to protect us from these agency. I hope you are as well.

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 2019-12-10
Company: Forster & Garbus LLP
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: Their investigation did not fix an error on your report

Complaint:
I'm not able to modify my previously complaint so In order to submit new documentation received in the mail, I had to resubmit a whole new complaint. I've been trying to get XXXX XXXX XXXX to remove their account off my credit report and have disputed with XXXX  several times since XXXX of this year ( 2019 ), but I may need to dispute with XXXX directly. XXXX sold my account to a collections agency ( Forster Garbus ) and the collections agency had taken me to court in  which I won the case. Since I won the case, this credit card/Collections agency should be removed off my account. It is still reporting as late payments which is having a tremendous effect on my score. Of course, Forster Garbus submitted the wrong index number on all their documents to mislead me, but upon filing my information with the court they were able to locate the case and I was mailed proof of dismissal of the case. I've sent this documentation to XXXX  weeks ago and it's still on my report. Forster and Garbus were kind enough to send me a letter of dismissal as well, but NO ONE wants to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Experian Information Solutions 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:
In  XXXX  I cosigned on a private student loan from  XXXX   XXXX  ( now  XXXX   XXXX  ) through  XXXX   XXXX   (  now  XXXX  ). It came to my attention when I pulled my credit report in  XXXX  that  2  additional student loans through  XXXX  were on my account for  XXXX   XXXX  that I had not cosgined for. I filled a claim with   XXXX   's fraud department around  XXXX , and also filed a police report with the  XXXX   XXXX  police department in Texas.  <P/> After a brief investigation,  XXXX  's fraud department let me know that they could not verify my claim as fraud, due to the fact that there had been an online acknowledgement through my email of one of the loans. However, I let the  XXXX  fraud department know that I lived with  XXXX   XXXX  during the time of the fraudulent activity, and she had access to using my computer and email.  XXXX  's fraud department did not take further action to try and resolve my fraud claim.  <P/>  XXXX  Account  XXXX  Loans  XXXX  and  XXXX  were not signed for by me. As a result of the fraud and the adverse impact on my credit report, I would like all cosigned student loans from  XXXX   XXXX  removed from my credit report and for me to be released as a cosigner for  XXXX   XXXX  for all Loans with  XXXX .  <P/> Please see attached documentation including Police Report and  XXXX  fraud claim submitted.

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 2021-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
In their effort to collect a credit card debt Capitol One has in my opinion made several violations of the FDCPA ( Fair Debt Collections Practices Act ) They, ( Capitol One ) has violated FDCPA, 15 UFC 1692 g & e specifically with regard to subsection ( 2 ) regarding communication about a debt. " communicating with a consumer generally subsection, '' without prior consent of the consumer given directly '' to the debt collector or express permission by the court of competent jurisdiction communication with a consumer in connection of ANY date unless the attorney consents to direct communication ( as Capitol One had previously done in a letter dated XX/XX/2021 is barred is barred pursuant to FDCPA. 

They have engaged in " The false representation and implication that '' ( I ) " a consumer committed a crime or other conduct in order to disgrace the consumer '' in that a summons previously received on or about XXXX.They subsequently had hand delivered delivered via Sheriff 's department on XX/XX/2021. Misrepresenting or falsely implying that a that a crime or other conduct had been committed.This vioklates FDCPA 15 USC 1692e Sec,807. 

Actual damages include humiliation and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/XXXX    I cosigned on a private student loan from  XXXX   XXXX   (  now  XXXX   XXXX   )  through   XXXX   XXXX   ( now   XXXX   ). It came to my attention when I pulled my credit report in  XXXX  that  XXXX  additional student loans through  XXXX  were on my account for  XXXX   XXXX  that I had not cosgined for. I filled a claim with  XXXX  's fraud department around XX/XX/XXXX , and also filed a police report with the  XX/XX/XXXX  police department in Texas.  <P/> After a brief investigation,  XXXX  's fraud department let me know that they could not verify my claim as fraud, due to the fact that there had been an online acknowledgement thr ough my email of one of the  loans. However, I let the  XXXX  fraud department know that I lived with  XXXX   XXXX  during the time of the fraudulent activity, and she had access to using my computer and email.  XXXX  's fraud department did not take further action to try and resolve my fraud claim.  <P/>  XXXX  Account  XXXX  Loans  XXXX  and  XXXX  were not signed for by me. As a result of the fraud and the adverse impact on my credit report, I would like all cosigned student loans from  XXXX   XXXX  removed from my credit report and for me to be released as a cosigner for  XXXX   XXXX  for all Loans with  XXXX .  <P/> Please see attached documentation including Police Report and  XXXX  fraud claim submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Incomm Holdings Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem adding money

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX  : reference number  XXXX  Dear Customer Care, My  XXXX  year  old son  XXXX   XXXX  purchased one of your reloadable prepaid cards from a   XXXX   gas station on  XXXX   XXXX ,  2017  around  XXXX . He spent {$110.00} cash. There was difficulty registering the card and  XXXX  subsequently emailed to  XXXX  XXXX  XXXX  a wide variety of personal identification and a copy of his registration attempt. Even after all of this effort he was unable to activate and use the account.  XXXX  was unable to provide a cash receipt for the purchase when we requested the receipt. We are feeling a little bit ripped off here and are contacting th e Consumer Finance Protection Bureau to try  to help get this card activated. Copies of the card ( front and back ) and registration are attached.   The card number is :  XXXX  Please contact me at  XXXX  to let me know how best to activate our card or refund the purchase price.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The three credit reporting agencies which are Transunion, XXXX, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, Transunion, & XXXX  ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.

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 2021-11-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made another attempt at paying my XXXX XXXX XXXX bill over the weekend bill last weekend, using 2 additional phone numbers ( my previous he land line no. ( XXXX ) and a new line from XXXX voice ( XXXX ). 
In addition to my current number of XXXX. 
TB Bank no. which was given to XXXX in their letter, does not RECOGNIZE any of these numbers. Once again, I was not able to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
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: Information belongs to someone else

Complaint:
In  XX/XX/XXXX I cosigned on a private student loan from  XXXX   XXXX   (  now  XXXX   XXXX  ) through  XXXX   XXXX   (  now  XXXX  ). It came to my attention when I pulled my credit report in  XX/XX/XXXX that 2 additional student loans through  XXXX  were on my account for  XXXX   XXXX  that I had not cosgined for. I filled a claim with   XXXX   's fraud department around  XXXX , and also filed a police report with the  XXXX   XXXX  police department in Texas.  <P/> After a brief investigation,  XXXX  's fraud department let me know that they could not verify my claim as fraud, due to the fact that there had been an online acknowledgement through my email of  one  of the loans. However, I let the  XXXX  fraud department know that I lived with  XXXX   XXXX  during the time of the fraudulent activity, and she had access to using my computer and email.  XXXX  's fraud department did not take further action to try and resolve my fraud claim.  <P/>  XXXX  Account  XXXX  Loans  XXXX  and  XXXX  were not signed for by me. As a result of the fraud and the adverse impact on my credit report, I would like all cosigned student loans from  XXXX   XXXX  removed from my credit report and for me to be released as a cosigner for  XXXX   XXXX  for all Loans with  XXXX .  <P/> Please see attached documentation including Police Report and  XXXX  fraud claim submitted.

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 2020-10-07
Company: Mr. Cooper Group Inc.
State: NJ
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:
After filing a CFPB complaint ( # XXXX ), which has since closed, the company I complained about, Seterus, put a retaliatory comment on my credit report which has ruined my chances of getting a mortgage.

There was never a foreclosure on the property I made the complaint about, but after the CFPB 's complaint was closed, Seterus entered the comment " Foreclosure Started '' which has ruined my chance at getting a mortgage. 

Since this property has been paid off and the account closed as of XX/XX/2015, and this statement is both untrue and appears on none of the reports I have seen in the past five years, this action by Seterus is a direct result of filing a complaint.

I am again requesting the entire Seterus entry be removed from my account as it is there to ruin my credit ( not to accurately report payment history ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: EQUIFAX, INC.
State: MO
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 currently a victim of identity theft, XXXX, Equifax, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX has been filed XX/XX/2019, they did not comply within 5-7 business days according to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The three credit reporting agencies which are XXXX, Experian, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three  credit bureaus ( Experian, XXXX, & XXXX  ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.

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 2017-06-05
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Did not receive any notification that  Student  Loans were given to  Navient  to be serviced. Did not receive any statements, bills or notices from  Navient  with loan numbers amounts or any information. Had no idea that  Navient  even had any loans until  credit score drop ped over  XXXX  points and we pulled a copy of our report to see why. Then we saw we had  5  loans reporting as past due. How can a company do that without ever sending a statement, bill or any type of notification or even try to contact you to collect a payment prior to reporting it to the credit bureau. With  a Private Student Loan and Parent Plus Lo ans it was easy to overlook this smaller loan amounts. All other loans were thru  XXXX   XXXX  which we 've had no issues with. I just do n't understand how a company can work like this and give no notices to consumers.

Company response to consumer: Closed with explanation