BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, XXXX, I contacted TD Bank requesting an extension for an forbearance for three more months. The company noted that I requested a forbearance. 

On XX/XX/XXXX, I received an alert from XXXX XXXX that my credit score declined by 60 points. The report indicated that my XXXX payment was 30+ days late and it was reported to the credit bureau. I called TD Bank on XX/XX/XXXX XXXX XXXX XXXX XXXX & they noted that it was a mistake on their end and that they were supposed to extend my forbearance. I called back on the next business day XXXX XX/XX/XXXX XXXX and TD Bank informed me that they will begin the process to remove the late payment. They said this would be repaired in 30 days. 

On XX/XX/XXXX, after seeing my credit score continue to decline, i called TD bank back and requested an update. TD Bank informed me that they finalized everything on their end and I have to wait for the credit bureau to make the necessary updates.

After a few weeks, I decided to dispute my late payment reporting through transunion.com. The results came back that my report was correct- I was, in fact, late in my payment and the late payment reporting remained. TD Bank never submitted the necessary information to repair my credit report to tell credit bureau. 

In XXXX, XXXX, I called TD Bank ASAP and demanded an update. They indicated that they had not submitted anything to the credit report to repair the late payment reporting. After further discussions and a call back an hour later, TD Bank said that they revised my forbearance starting XX/XX/XXXX and TD bank would report the correction to the credit bureau when scheduled. 

It has been 30 days and the late payment remains on my credit report. 

Im requesting that this repair is made ASAP. Its been 6 months and this error has prevented me from obtaining loans & additional living arrangements, etc. In addition, Im also requesting for my forbearance to be extended an additional three months as I paid off the first three months when I made the initial request in XX/XX/XXXX. At that time, TD bank stated that I had 90 days to make 3 months of mortgage payments all at once. So I borrowed the money to make the payment. I didnt want to miss a mortgage payment and cause my credit score to decline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I took advantage of a promo offer from Shop Your Way Citi Credit Card that was between XX/XX/19 XXXX for 10 % off Online purchases. I made 4 purchases on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. They have gave me credit for 3 of the purchases and the one in question that I have not received credit for is the one on XX/XX/XXXX for {$380.00} for XXXX, which I made online. Citi is claiming that it was a phone order but I have the receipt where I ordered it online. Citi said since XXXX reported it as a phone order that they refuse to give me credit for this purchase. I had made a call on XX/XX/XXXX and talked to a manager and they said they would issue me credit for this purchase on XX/XX/XXXX. I called today and now they are saying its XXXX 's problem. I think I did want the promotion offer specified and are due {$38.00} for the XXXX purchase online. I have no control how they report the charge to Citi, either online or phone order. But it was purchased online. Any help you could give me in this matter would be appreciated. I have enclosed a copy of the order that clearly shows it was from 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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing this letter to address the delinquent accounts listed on my credit report. 

For TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX For XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX For 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 2022-10-31
Company: Experian Information Solutions 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:
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 XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX Reference XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # 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 explanation
Consumer complaint received 2023-03-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX issued a check to XXXX and XXXX XXXX XXXX XXXX from the escrow funds. 

On XX/XX/22 XXXX deposit a check in her personal account in Chase under XXXX XXXX XXXX XXXX account # XXXX. 

Few days later : Check was on hold because it needed more verification. 

On XX/XX/22, XXXX received a letter that her personal Chase account was going to be closed because the check was not verified and sent to the Lost and Protection Department. 

XXXX called Chase asking why the account was being closed and Chase said that XXXX needed to come in person to one of Chase branches to verify his identity. 

After my husband and I visited the branch several times, providing Chase with all the information they were requesting. 
Chase said that they needed a copy of the check cleared from XXXX. 

When we called XXXX from the Chase branch with their representative, XXXX said that they were no longer responsible since the check was clear and paid on their end. 

Chase wanted me to contact XXXX and speak to the person that endorsed the check. 
XXXX said they dont have a department or who to transfer us with that question. 

Six months have pass and we are still trying to get our money released from chase and Chase still doesnt have an answer for us or resolution. and Chase has not released my funds. 

I need someone to help me since my mortgage has gone up due to the escrow shortage and Chase has not come up with a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: MD
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 have requested a certified copy that ensures that the contract and all information sent is accurate and has been done through the presence of a certified notary company who authenticates and is duly operating under the laws that swears the copy made is in fact a copy of the original paper contract with the company in question. 
I have also requested the following below : XXXX. Provide a Certified copy of authorization signed by me, naming your company as having my consent to report to my credit file. 
XXXX. Provide a certified copy of all information related to the Original Creditor and 3rd party creditors who were given permissions to report on my credit report. 
XXXX. Provide all accounting information, from the date the account was opened, all payment history, amount and details, source of payments as well as dates, every charge, every purchase, every refund, every negative credit, all amount associated with this account, I am requesting this matter be resolved by deletion of account immediately for which this is the XXXX attempt for your company to provide all requested information. This company has yet to provide any validating information that was requested. This account needs to be Deleted and removed from my credit report. 

According to the law : 15 U.S.C Section 1681i ( a ), if you can not provide the requested proof, this account must be deleted and removed from all sources that holds this information immediately. I am also asking that all results along with validated information be notarized and sent by mail with an updated copy of my report and all changes including deletion or updates. In accordance with the following, I am exercising my rights ( Fair Credit Reporting Act ) ( 15 U.S.C 1681 Section 602A ) ( 15 U.S.C 1681 Section 604 Section 2 ) as well as others. In result of deletion, please assure it is deleted from all XXXX agencies this account has been reported which are as follow : Equifax, XXXX, XXXX. All XXXX must show accuracy from verified and validated the reported update accounts or deletion of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : 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 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

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 2023-04-06
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV funding LLC is continuing tho report false and misleading information on my consumer credit report in direct violation to federal codes. This allegedly creditor does not have a lawful contract with me is continuing to contact me with a cease and desist in place and continues to give my private sources data to a third party that I never authorized to have my private information or has never did any business with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX  XXXX Bankruptcy 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 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 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 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 2022-10-31
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX XXXX XXXX I have contacted the credit bureau 's to do an investigation on my findings and they do nothing i have sent letters to verify my information i am asking they haven't done nothing i have been waiting on a response. I need for this department to do a investigation into this matter enclosed i have attached two letters showing my proof that i need this information corrected on my credit report. Under

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 2022-11-03
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This is regarding Cash App. I was to send a {$30.00} payment to someone who actually has a cash tag that a scammer has copied with only a slight difference, in order to fool people into sending the money to them. I immediately noticed the error and reached out to Cash App as well as sending a refund request to the individual whom was accidentally selected. Cash App denied me any assistance in correcting the error and the individual denied my refund request. This has happened before and see Cash App isn't doing anything to place safeguards in place so that it isn't so easy to make this type of error. I simply want my {$30.00} back for which I know Cash App could XXXX intervened as I contacted them with minutes of the error however ; they choose the side scammer which in my view as well as others I'm sure makes them complacent on the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$740.00}

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 2018-08-14
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Sometime in the Month of XXXX we called Citi Card to see how many Thank You points we had. At that time we were thinking of taking our kids to XXXX XXXX for a night. When we called we were told we had no points available. We requested to be transferred to the correct department for explanation. We were told that due to our delinquency we could not use our points. We informed them that we had not received a bill and that is why no payment had been made. After being transferred 5 or more time we finale were told that we did not receive a mail statement because the account was changed to email statement. 
At NO time did we ever requested our statements to be switched since my husband does not pay the bills ( I pay all of bills via paper ). After hours on the phone they were unable to tell us WHEN or HOW this happened. We requested that the error be corrected before it was to be sent to the credit bureau and to switch us back to mailed statements. After that call we we took all our money off of Citi Card and transferred it to XXXX. It was the most horrible experience. At this time we had sold our home and were living an apartment and we knew we could not have anything on our credit report due to our upcoming house settlement. We were notified on XXXX by our mortgage company that our credit score had dropped over 100 points due to Citi Card reporting one missed payment. Since then we have called and spoken to  several employees who have lied and not documented the conversations. We were told that a letter was being mailed of to us and it never was. The letter was to state that they will be contacting the credit beauru and making the correction to our credit. We called back two days later to see if it was mailed and we were told nothing had been done or documented regarding this request. All our mortgage company needs it this letter so we can settle on our home on XX/XX/24. Due to their error, lies and incorrect and NOT documenting our calls we may lose our home!!!!

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