BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for and was denied for a Target red card. The ONLY reason for denial was according to Target themselves " -Your application was declined because you have a number of accounts with recent delinquency. '' I have ONE very simple question, an answer every consumer who applied for credit has a right to know. What is considered " RECENT '' as in a RECENT DELINQUENCY '' is within 6 months considered RECENT? 
Is 6-12 Months Considered RECENT is 12-18 Months considered RECENT is 18-24 Months considered RECENT is 24-30 Months considered RECENT is it 30-36 Months considered RECENT Is 4 years old considered recent is 5 years old considered recent More specifically : what is the length of time that needs to past for Target to NOT consider a Delinquency RECENT? 

Target has failed to answer the most basic question previously, hopefully they will answer is this time around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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:
I have reported this unlawfully attained account XXXX to both the credit bureau and XXXX XXXX XXXX on numerous occasions. This account has been removed and supposedly blocked from my credit report twice the account resurfaced on my even after the bureau blocked it. My identification was stolen during a theft occurrence in 2016. I was unaware that someone had used my identification to attain an account with XXXX until years later up upon learning of this, Ive made every attempt to remove this account from my credit report to no avail. This is both illegal and irresponsible that this company and the credit bureaus have not removed this account from my report. This unlawfully illegally attained account is damaging my opportunities and affecting my finances. Both Bureau and XXXX have received my identity theft report but have not acted according to law in resolving the impact that this has inaccurate information has had on me.

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 2016-04-18
Company: PROVIDENT FUNDING ASSOCIATES
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work with my mortgage lender for two years. They put me in forbearance 2 years ago and never told me I had to pay it back well I have been trying to re-fi the loan for over a year now and month after month they ask for the same documents over and over. I have talked to counselors and they said they offer counseling for Harp XXXX loans but over and over they ask for the same thing. So I filed bankruptcy to save my house and they refuse the bankruptcy I want to keep my house and I have given them proof after proof and they do nothing but ask for the same documents over and over. Its frustrating and very unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 the account was purchased by Portfolio Recovery XX/XX/2021 the account was reported to credit bureaus FCRA Violations 1. PRA contacted my by phone from their VA office and is not licensed to collect a debt in VA or Illinois.

2. PRA reported the debt to my credit report 4 days after the purchase from XXXX  XXXX and did not send verification of the debt. 
3. I was not given the proper amount of time to dispute the debt and the debt was not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Diversified Consultants, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Diversified Consultants Inc., never reached out to me to notify me of any debts that I have with them or to notify me of credit reporting. I had no knowledge of their company until I recently checked my credit report, in which I immediately disputed. I asked for verification that they have the correct person, they could not provide me with documentation signed by me stating I owe, or would pay them any monies for the debt in which they are collecting on behalf of. They have n't sent me anything but a paper with an amount and my name and address. Upon receipt of that letter with my name, address, and amount, I sent the company a debt validation letter asking that they send me any and all proof that they used to verify the debt which would include contracts signed between their company and I, or any type of agreement signed by me from their company or that they remove the debt from my credit and stop incorrectly reporting any debts, they have done neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
HSBC Bank was a revolving credit account I opened in XX/XX/XXXX. I filed for XXXX XXXX Bankruptcy on : XX/XX/XXXX, and HSBC was included in the filing. I paid on this account for over two years after filing bankruptcy until HSBC Bank discovered I filed for bankruptcy two years previous, and my account was closed. The closing date that this account was reported to XXXX was XX/XX/XXXX, which should have been corrected as : XX/XX/XXXX. 

I sent previous letters to HSBC Bank with no response. My most recent letter was faxed to their correspondence department on : XX/XX/XXXX, and I have never received any response from HSBC or to XXXX. I requested that HSBC contact XXXX regarding the error to update, and correct the closing date so XXXX will delete the account with HSBC Bank from my XXXX file. 

XXXX has never had any contact by HSBC to remedy this correction. HSBC Bank has been the most difficult business as they will not respond to my letters, and after charging-off my account, they generated XXXX electronic checks, and withdrew funds from my personal checking account without my knowledge or authorization in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I checked my credit report and noticed an unauthorized account I dont recognize

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 2022-11-11
Company: Experian Information Solutions Inc.
State: NV
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 a letter to Experian, XXXX and XXXX on XX/XX/XXXX. It been well over XXXX XXXX, I still have not received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX and XXXX have XXXX XXXX to respond to my dispute. 

This is a violation of my rights I need all of the items I disputed removed from my credit report immediately. 

Items still on my report : XXXX XXXX XXXX Credit usage XXXX XXXX Balance {$5400.00} Balance Updated XX/XX/XXXX Credit limit {$5500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Line Of Credit XXXX XXXX usage XXXX XXXX  XXXX {$3400.00} Balance Updated XX/XX/XXXX Credit limit {$3600.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit Card XXXX XXXX  XXXX LATE XXXX XXXX XXXXXXXX XXXX XXXX Balance {$570.00} Balance Updated XX/XX/XXXX Credit limit {$16000.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type XXXX XXXX  XXXX  XXXX Balance details XXXX XXXX paid off Balance {$3000.00} Balance updated XX/XX/XXXX Original balance {$3100.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type XXXX XXXX XXXXXXXX Balance details XXXX XXXX  paid off Balance {$35000.00} Balance updated XX/XX/XXXX Original balance {$36000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXX, XXXX Account type XXXX XXXX XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/XXXX i added {$500.00} to my paypal account from my unemployment i paid my gma back XXXX and then paypal locked my card and said it was suspicious and they have had my remaining XXXX locked up ever since

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Ive reached out to companies and was told that once reported to the Credit Bureaus I have to take it up with them about the inaccuracies. So I contacted All 3 credit bureaus, wrote letters and never received a response. Then I sent a 30 day comply. Still no response after 30 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 2022-11-11
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:
This is my multiple endeavors 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. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, WA, XXXX ; XXXX XXXX XXXX  XXXX  XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 2022

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 2022-11-11
Company: Experian Information Solutions Inc.
State: SC
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 FURTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, SC XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/2022 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 non-monetary relief
Consumer complaint received 2021-06-21
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:
I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I am behind in making my monthly payment to Capitol One Credit Card. On 5 previous occasions, I have requested they not call me at work. It is against company policy to receive " personal '' calls at work. I have received XXXX written warning for receiving multiple calls from Capital One in a 2 week period. Calls at my place of employment were received from them on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. I verbally requested they stop calling me at work each time they called with the exception of XXXX/XXXX/16, on this date, I was chatting with them their web page and specifically asked them to stop calling me as I had been written up for personal calls. Again, today, XXXX/XXXX/16, I started receiving calls at work from them. I will AGAIN ask them not to call me at work but I would appreciate some guidance in getting this stopped. I would also like to mention, the on a daily basis, I receive 2 to 3 calls from them on my cell phone. I feel like I am being harassed by this company and desperately request your help in getting this stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
In the year 2008 I had checking with Wels Fargo Bank located in XXXX MD at the XXXX  XXXX XXXX  and XXXX XXXX, also I had XXXX Saving Plant with them. The bank informed me that due to the Financial problems in the homes Market the Shares markets in New York, this went down the prices and the XXXX Saving plan get down from {$35000.00} to about {$18000.00} showing the shares low prices for about ( XXXX ) .less. XXXX XXXX XXXX XXXX told me that was better cancel the XXXX Saving Plan to avoid more losses the money and get the money and canceled XXXX Saving Plan for about! XXXX in losses. Now this event the Credit Review Bureau not show that event.in my Credit Report. So, I need your investigation really what happened with my money. Because it worked for a long of my life..

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 2015-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
A Virginia based bank, Capital One 360 has run and continue to run a promotion offering a various bonuses for opening a Savings account. Today my husband and I called the bank to take advantage of its " CHALLANGE EVERYTHING YOU 'D EXPECT IN A SAVINGS ACCOUNT '' promotion. Imagine our astonishment and disappointment to find out that we do not qualify for the promotion because my husband and I had XXXX Savings accounts from a different financial institution some 14 years ago. The Capital One 360 phone representative seems to have an unfettered access to the financial data which we never consented to provide to the bank. From what I understood, financial information about consumers has been acquired through a chain of corporate merges, acquisitions or buyouts or other kind of commercial deals without consumers knowledge of consent. Our personal financial information and financial information of other consumers has been bought and sold on open market. I do n't believe it is acceptable in light of the latest security breaches in banking sector. There should be a consumer protection both on federal and state side, so banking public would know who has their information and how this information is shared or used as a commodity. We should not be detrimented because our personal information has been shared without our consent. When a consumer closes account with a financial institution and ceases relationship with that financial institution, that financial institution should be precluded from selling or otherwise trading for profit financial information about the customer with whom it has no longer has such financial relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was referred over to a debt collector through XXXX XXXX for {$980.00}. I was an Independant representative for XXXX XXXX on a XXXX basis and was only with the company briefly. I have not been licensed with the company since XXXX 2014 and they are trying to access me for Charges that are not valid. I had asked the office manager to look into the charges since I did not bring in any revenue as well as was only licensed with the company as an agent for 5 months without closing any sales and working as a XXXX employee. XXXX XXXX, account number XXXX, then turned me over to collections. This account is not valid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Midland Collections was trying to collect on an old XXXX card that has been over seven years and taken off my record. He called a cell phone and I told him that was inappropriate because I was in the middle of work and that was an automatic fine for not asking if I was able to talk. I told him it had been 7 years and the company should have given the IRS a forgiveness of debt so I could pay the taxes on it. He just kept on repeating that I was a deadbeat and why did n't I pay my credit card. I told him that an attorney will be following up with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
There was a judgment against me in XXXX. Some time since the account was purchased by LVNV FUNDING. 
They got a judgment for garnishment in XXXX, XXXX. For XXXX. 
This garnishment judgment was filed in a county I do not reside in any longer and at an address that i haven't lived at in over 10 years. I was never notified. I can't even tell if they tried to contact me. 
my employer never gave me the paperwork until well after the window for me to dispute the case or apply for either an exemption or better terms. I do not now know what the original amount was but I am positive it was never this much. This is devastating my family. My wife is XXXX and she stays home to care for our special needs daughter. I can't believe even the court never verified that I was not served.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX of 2020 XXXX XXXX  XXXX illegally ran my credit through four different credit bureaus in my attempt to purchase a vehicle I did not authorize by physical signature electronic signature verbal agreement or any other type way shape or form to allow them to do any other Financial inquiries into anybody but XXXX XXXX and there's even a duplicate of XXXX XXXX there was four different credit bureaus that they ran my credit through trying to obtain financing for my vehicle when I paid half the vehicles value down in cash they illegally violated the Fair credit reporting act and went against state and federal regulations that disallow them from creating environments that would damage my credit so badly that I've been affected monetarily in the long run without realizing that this had happened this seems to be reprimanded and fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Capital One Bank sent me XXXX credit cards under my account, XXXX for me and XXXX for my spouse. The card for my wife was never activated and never used. My wife has her own card with Capital One. Capital One creates a XXXX account for her and sends her a credit card directly without notice to me. Thus, she has XXXX credit cards from Capital One : XXXX of her own and XXXX to me. She incurs XXXX charges totaling {$400.00} on the XXXX card I know nothing about. XXXX, How can Capital One hold me responsible for her charges on a card I never authorized or had any knowledge of?

Company response to consumer: Closed with explanation