BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Requested several attempts to resolve late payment status on a secured credit card closed in XXXX. for the past 6 months thru XXXX XXXX Complaints Management Office.. 
Finally received notice and written communication XX/XX/XXXX via email. instead of phone messages. 
I had requested a secured card to be closed in XXXX of XXXX and to use the proceeds from the savings account to pay off the card. and send me any balance that I may be owed me, or if I owe them to send me a billing of what I owed them. as I was closing down a business due to financial demise in XXXX. Instead XXXX XXXX kept the account open and generated additional late fees and higher interest rates until it came to the point of having to charge it off, However they couldn't charge it off as there was a secured savings account covering the card, The account was paid in full by me in XXXX of XXXX and it is not the late charges or higher interest I am concerned about it is the reporting. They reported it as 30 day 60 day 90 day 60 day 90 day late. The payment from the secured account would have brought it current so having multiple 60 and 90 day late with this account at XXXX XXXX wasnt accurtate reporting. However they removed the initial 30 and 60 on Transunion  and XXXX  leaving XXXX late on transunion beginning XXXX XX/XX/XXXX and on XXXX  they changed it from XXXX to XXXX 120 day late both starting XX/XX/XXXX. When all 3 of these late payments should have been removed with the initial 2 late payments, as the seven year time frame has arrived for removal which XXXX has done properly and no longer reports any history of late pays.. and at the same time XXXX XXXX increased the XXXX  late payments from from 90 ,60.90 days instead now reporting them as 120.90.120 late days. 
XXXX XXXX need to eliminate the remaining late payments that were in succession with the original 30 and 60 day late payment that they removed as the time of 7 years for the initial late payment succession began and all reference and history of late payments should now be removed from my Transunion and XXXX  credit report. .Currently XXXX  is the only agency properly reporting no late payments and I would like XXXX XXXX to correct the issue with Transunion and Equifax 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 2017-02-05
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have XXXX companies, Credit Collections based out XXXX, MA and CCS Collections both attempting to collect the same amount of {$140.00} that I originally owed XXXX. Both reports are showing on my Credit Report, though it is only a single amount

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$450.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Again CapitalOne has failed in properly handling a dispute ( had issues with them in the past and they seem simply ill-equipped to deal with disputes ). We filed a dispute and then I provided all the information they asked, then we even attempted to contact them to ensure they received the information and no response. Then the other day got a notice that they never received the information so they closed the case ... Why do consumers have to be subjected to such incompetence when these companies make a fortune on the backs of consumers and businesses!?!?!?! 

I 'm attaching a copy of the information provided via a response to their email which I know they have received information at that address in the past and then also attaching our communication asking if they received the information and can see there was no response and their previous message was that at that one point they had all the information needed ... Note that on the email there are various attachments as i was very thorough in providing every bit of information that I have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card
Issue: Delinquent account

Complaint:
As of XXXX/XXXX/15, Capital One Bank issued a XXXX ( Cancellation of Debt ) to me for an old credit card account that they had charged off. I claimed this income on my 2015 XXXX and paid taxes on the amount. However, Capital One continues to report a balance owed on that account as well as actively reporting the account. I have requested of them to update this information and not only have they claimed the amount is correct, they have now entered a dispute status on my credit report for something that is THEIR error. I have attached a copy of my credit report showing the balance still reporting, my letter to Capital One asking them to update my account, a copy of the XXXX clearly showing the account number and a copy of the response letter that I received from Capital One. I am not disputing the validity of the account from the past but do not feel that they have the right to continue to punish me and destroy my credit for something that I have paid income taxes on and they have written off as bad debt. They are still attempting to collect on this debt which I am refusing to pay because I have already had to pay taxes on this amount for income, why would I pay them as well?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct these erroneous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XXXX XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX BANK xxxxxxxxxxxxxxxx XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Late Dates XX/XX/XXXX, XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX  SERVICES, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
It took three calls to get them to close my savings account. 
I'm now trying to close my checking account. I've made 2 calls and mailed one letter to ask for my account to be closed. They claim there's an error in the system and they can not complete my request.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX. I filed a dispute requesting validation of the debt and account, however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX Date opened XX/XX/2019 Balance : {$0.00}, XXXX XXXX Date opened XX/XX/2019 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I recently, just checked All my credit cards and checked all through them since XXXX, I had not been able to do so over the past couple years due to mental illness and being hospitalized several times, I had automatic payments set for the set amount to be taken from my account every month, I noticed the card from XXXX has net been used but once in XXXX for an XXXX care bear, and 4 times last year for XXXX cd,XXXX cartoon dvd 's and a doll, and thats it for 2 years, then I check back till XXXX, I see XXXX flat screen tv 's and cancelled by them and what I really noticed is the money owed on the card has been XXXX for 3 years? I make a call to XXXX XXXX at Walmart.com Customer service, he see 's the transaction and cancelled but the charges remained on my card and a doll set that shipped and was never delivered, and say, wow, this is a lot of money being charged and it clearly shows they were not cancelled, walmart never send me a statement with purchases nor returns, the card is cancelled and escalated to investigations, the weird thing is, early that same day, I recieved a New card, and that prompt my call as well, it has a new number, so I call walmart.com again, this time its XXXX id # XXXX she tells me there are no previous charges on my since as of XXXX XXXX had printed out the cancelled charges of the tv 's, and walmart has removed all information and closed the account I called about, sent me a new card with the charges on it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance : {$720.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: Experian Information Solutions Inc.
State: IL
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 noticed that Experian was showing I had a delinquency or serious derogatory remark affecting my credit score in early XXXX. I have never been late or delinquent on any account, this is also proven by my credit report. I called and opened up a case. The customer agent agreed there was nothing on my actual credit report and that it was a technical glitch. They submitted a ticket ( # XXXX ). Weeks went by and then the tech department emailed me saying it was not a tech issue and there is a mark on my credit and to call back to dispute. This is what originally I did. I called back again and that agent verified again that there is nothing in the detail of my credit report and this is an error. They then said they need to submit back to the same department. I am in the middle of applying for a mortgage and this is impacting that. They refused to have anyone contact me or provide a letter stating there is an error on my account. I keep getting bounced  around which no resolution. I am getting penalized in my credit for an error by Experian. I am not sure what else to do as this is their error.

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 2016-04-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We opened an account through GE Capitol i.e syncrony bank and turns out we 're paying way over after only missing XXXX payments. We have banking documents calculating the payments and they 're totally taking money from us.

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 2016-12-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had a credit card with Sychrony Bank. The card provided rebate rewards, payable onece per month. My card had a balance of over {$130.00} in rewards XX/XX/2014. The card was stolen, so I called the bank for a replacement card. I received the replacement card, but there was confusion on the phone call regarding a replacemnt card that the bank sent on another account ( I thought the card was for the account in question -- it was not ). 

At any rate, the bank cancelled my account, claiming that I had requested the account be closed, and refused to issue me the rewards balance. I complained about this treatment in four subsequent calls to the bank. They continue to claim I asked to close the account. I did not. The phone call was recorded, but the bank refuses to let me listen to the recording with them. I am 100 % sure that an honest review of the phone call will reveal that I never asked to close the account! I view their false claims and taking of my contractually promised {$130.00} as fraud and 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 non-monetary relief
Consumer complaint received 2020-08-28
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
When my wife and I refinanced our house, my name was added to the mortgage but the titling company did not file the documents to add my name to the deed. Also my wife 's maiden name was not updated to her married name on the deed. 

We signed a quitclaim deed and had it notarized in order to add me to the deed and update my wifes name on the date we executed all of the refinance documents, but the county claimed there was an issue with the document and rejected it. 

The refinance closed XX/XX/2020, Loan Depot was the lender and XXXX XXXX was the loan processor. The titling company is XXXX XXXX XXXX XXXX XXXX, and the manager in charge of my titling is XXXX XXXX. There emails are XXXX and XXXX respectively. 

I realized there had been a problem with the titling when my wife and I attempted to transfer title to our living trust and it was rejected because I was not on the deed. I emailed Loan Depot on XX/XX/2020 to let them know there was a problem, then I reached out to XXXX XXXX XXXX XXXX XXXX as well. I have numerous emails going back and forth but then weeks go by and I don't hear from them and as of XX/XX/2020 this is still unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 been a victim of Identity Theft as well as XXXX XXXX Data Breach.The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value and several negative items. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-10-02
Company: Atlanticus Services 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 status incorrect

Complaint:
In XXXX I lost my job due to covid, I worked at a hotel and applied for unemployment. I did not receive my first unemployment check until XXXX. I reached out to Fortiva when I got my first check and they asked for {$160.00} and I gave {$200.00} and was told that since I lost my job due to Covid 19 they won't charge me a late fee and it won't show up on my credit report. Also they put on my account that I was affected by a natural disaster. A month later in XXXX I see that they marked my credit as delinquency and called them right away. I spoke to the manager and they said it was a mistake on their end and will wave the late fee and will let all three credit agencies know that it was their fault and that I was not late. I also received a letter from the manger XXXX stating that they will inform all three major credit reporting on updating. I waited a month and still nothing was deleted. I have tried to depute it with the credit agencies for months now and nothing has changed. Fortiva told me that I was not going to be punished since I lost my job and since were are in a pandemic and recession. I keep calling Fortiva and they keep telling me that it will be deleted and still don't see it deleted on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: CT
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation