BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-28
Company: TD BANK US HOLDING COMPANY
State: CA
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:
I have obtained XXXX XXXX XXXX XXXX, offered by TD BANK, N.A approximately a month ago, for the purpose of making a  XXXX product purchase. Shortly thereafter, I've received from TD BANK, N.A the attached privacy notice, which in summary says they will share my personal information with 3rd parties for  marketing and other purposes, unless I instruct them NOT to do so, by calling the phone number, listed on the attached notice. Until this day, TD BANK, N.A had failed to pick up their phone - I have called for 3 weeks straight, every day, using the number provided and 2 more general TD BANK, N.A phone numbers for customer service and account management. I've waited HOURS on hold each time, with some calls lasting over 4 hours only to be disconnected by TD BANK, N.A at the end, without picking up. By failing to EVER pick up their phone TD BANK, N.A disallows me to-opt out from sharing of  my personal information by them, even though according to federal and California privacy laws I have a right to limit the sharing. This is violation of my privacy. 


Additionally, I attempted to register for XXXX XXXX online account, provided by TD BANK, N.A as instructed by email XXXX and TD BANK , N.A . The registration failed due to programmatic issues and site design oversight. As a result, I'm not able to access, view any of my personal or financial information, associated with my TD BANK, N.A account, and also unable to view or pay any bills. As stated above - I had been calling TD BANK, N.A 's customer service and other TD BANK, N.A numbers FOR WEEKS, every day, but TD BANK, N.A is failing to answer any of its  calls and remains completely inaccessible to me, its customer. 

I request CFPB 's help to STOP TD BANK, N.A from abusing my personal information and to penalize TD BANK, N.A for making itself completely unavailable to its customers to both, exercise privacy choices and handle issues, related to TD BANK, N.A account, including reviewing and paying bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: Flagstar Bank, N.A.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a new customer with Flagstar Bank, they are the servicing provider for my personal home mortgage. At the end of XXXX Flagstar completely mishandled my tax payment to my local municipality and has not refunded my escrow account. Per my closing arrangements as allowed by the state of Wisconsin, I am able to receive my tax obligation from escrow directly via a check, which is what I selected on my closing document. However, going into tax season I never received a check and was told multiple times this was not possible ( they're a servicer located in Texas that obviously did not know Wisconsin laws ). Through multiple exchanges with customer service, accounting, and the third party escrow company we finally were able to pay my XXXX taxes. 

During this process there were duplicate checks cut for the amount of {$1800.00} that were debited from my escrow account. I therefore had a negative balance going into XXXX as they refunded the remainder to me in a separate check. I notified Flagstar of this mistake and after 90 days this still has not been resolved.

I am extremely aggravated with tryin to resolve this with Flagstar because each time I have to talk to 3+ person 's in customer service and accounting to ultimately receive the same response : wait. I'm tired of waiting and ultimately do no trust Flagstar to maintain my mortgage account. I have only been a customer for 7 months and 5 of those months have been spent trying to resolve their mistakes.

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 2023-04-20
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 NUMEROUS 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2018-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Portfolio Recovery Associates is falsely reporting to the Credit Reporting Agencies as a Factoring Company, which is a violation to FCRA because they are actually debt collectors. A " factor '' is one who buys corporate receivables at a discount - not a debt buyer dealing in uncollected bad debt. 

In addition to PRA reporting to the Credit Reporting Agencies as a Factoring Company, PRA is also reporting other inaccurate information to the credit bureaus as described below. ( See attachments as proof ) I have filed disputes with all 3 credit reporting agencies, and I have attempted to contact PRA for removal to no avail. I have also filed a complaint with the XXXX XXXX XXXX without success. 

1. My XXXX  credit report is still listing Portfolio Recovery Associates as a  Factoring Data Account Type as of XX/XX/18. This is deception, as I never opened a data factoring account with PRA. Collection accounts are not data factoring accounts. 

2. Portfolio Recovery Associates is reporting as a One Month Term on my XXXX credit report from XX/XX/18. I never signed an agreement with PRA as to terms or as to when the debt collector purchased the debt.

3. The date opened is inaccurate and doesnt even match on the 3 credit reports. PRA is reporting inaccurate data on my credit reports as of XX/XX/18. 

4. The date of first delinquency with the original creditor is not reporting and according to the FCRA, Section 623, A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: NC
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 REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, 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 NUMEROUS 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 XXXX XXXX, CA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX/XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX   Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9.  Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Earlier this month I had applied for a XXXX college loan for my son, as I do each year, and was told by the college treasury office to contact Equifax due to a 'problem ' with my credit.

Upon calling Equifax numerous times I was told by the Equifax customer rep that my SSN, name, and address do not match any file in their system. I was told to submit official identification as proof of SSN, address, name and I did so.

I have followed up repeatedly for progress on correcting this issue and each time I am told that there has been no change and there is no additional information they can share with me.

Note : I have had credit established with each of the three credit reporting bureaus for +30 years and never had any issue with fraud or errors. I have no such problem with XXXX or XXXX so I don't understand why this is happening and have no response from Equifax as to whether this can be corrected.

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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:
Submitted typed statement detailing accounts resulting from identity theft, supporting documents submitted police report detailing accounts resulting from identity theft and identity theft affidavit detailing identity theft accounts

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 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX/XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX   Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9.  Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by 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 2020-02-03
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Waypoint Resource group has a collection on my credit report that does not belong to me. It says it's for {$220.00} from XXXX. Whats funny is I have XXXX  services at my home. Have had them for 3 years. I can't figure out how they think I owe them money when I pay my bill every month and I continue to have service with them. I sent a letter to Waypoint XX/XX/XXXX asking for " validation '' bearing my signature saying I owe the debt. Of course they never responded so after 30 days I sent them another letter XX/XX/XXXX asking for " validation '' with my signature. They finally responded with just a bill statement and of course no signature of mine. I've had enough of these people damaging my credit over {$220.00} so I'm filling with small claims against them. {$1000.00} for each violation of Defamation, neglect enablement of identity fraud, violation of the Fair Debt Collection Practices Act, and violation of the Fair Credit Reporting Act. Cant wait to count my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: GREAT LAKES
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: Account status incorrect

Complaint:
My account was reported as past due, however, I was approved for a forbearance after speaking with lender. The same is not shown on my credit report. I am requesting that this correction be made to my report as it is affecting my positive payment history and creditworthiness. 

Towards that end, I am also befuddled as to how this account is being managed. I have not received any correspondence from lender nor telephonic communication efforts. Had the same been given, I would have gone ahead and either made payment or requested a timely forbearance. It appears that lender is disinterested in collecting and more with affecting my creditworthiness. 

I would like to reach a resolution with lender as they said would mark my report as in a forbearance, however, they not reflected same in my credit report nor have they provided any documentation/ notice of the forbearance following my phone call with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This person never inquired if anything furnished on my report is accurate. They just took it upon their self to damage my reputation. 

As far as Im concerned all of the inquiries, hard & soft does not belong. 

They say that they reach out to the company to verify or validate but they never contact me to see if its the truth. 
Thats a violation under the FDCPA Everything furnished on my report as of XX/XX/ is inaccurate, false & miss leading ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got a copy of my credit reports all 3 bureaus and noticed inquires accounts on my file that are not mines not authorized not verified The accounts are listed below 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

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 2021-04-30
Company: Collection Bureau of America Ltd.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently reviewed my credit report using one of several free services. It was at this time that I observed that a collections account had been opened back on XX/XX/2020 on behalf of XXXX XXXX XXXX XXXX XXXX XXXX. 

I was puzzled by this. 

I am aware that prior to XX/XX/XXXX of 2020 that my XXXX XXXX XXXX  XXXX account had been in collections, and I was given two different options at that time. I could pay an extremely large amount of money which reflected all of the past due service charges, any late fees from those billing statements not paid, plus the entire cost of the rented dispensers on account, plus charging for every single bottle in my possession.

Suffice it to say that was an astronomical amount of money. I was also given an offer to pay a much smaller amount of money to resume services. I selected the option to resume service, I provided my payment information over the phone, I then asked how I would go about restoring service, because DS Waters when I previously called them stating that I just wanted to pay them to get the account back current said I could not deal with them once it went to collections ... 

I was advised that someone from either the collections company or XXXX  XXXX XXXX XXXX would contact me to resume service. 

It's possible that phone calls/voicemails were missed. Not likely because I was actively expecting those calls. I was never contacted in writing by either party to resume service. 

I was never contacted by either party to indicate that billing and service had automatically resumed under the previous service conditions. 

I was never contacted to in writing to communicate that I needed to call someone to restore service. 

I was never contacted in writing to communicate that this account was sent to collections. 

I fail to see how I can be sent to collections, for something that I was never even billed for. 

I performed my responsibility which was to pay the amount communicated by the previous collection attempt. When I asked that representative about next steps, she never indicated that it was my responsibility to contact anyone, for any reason ... 

When skimming through complaint information about this collections company on your website, I observed that at least one other person had issues with a water delivery company. I must wonder where the problem truly lies, on the end of the water company, or the end of the collections company. In this situation however, I feel that both companies have committed multiple errors along the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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