BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TD BANK USA/TARGETCRED {$1100.00} I had a person from the county of XXXX in Michigan come to my door and serve me with paper on a debt I found out that I did not owe. I ended up paying the amount. However, it is still on my credit report. This account is settled and needs to be removed now. 

I reported this debit as fraudulent and it is still on my credit because they are using the payoff as a form of validity. Which, I think is wrong and spiteful. This was also in the wake of my finding out I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act XXXX  Account # XXXX, Account name : DPT EDXXXX. Account # XXXX, also Account # XXXX Account Name : XXXX. Account # XXXX, Account XXXX : XXXX XXXX XXXX XXXX. Account # XXXX, Account Name : XXXX XXXX XXXX, XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX, T XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. 

15 U.S.C. 1681 Section 602 A states I have the rights to privacy.

15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish an account without my written instruction.

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 2023-03-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Fidelity National Information Services, Inc. (FNIS)
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:
inaccurate information being reported via chex systems, no knowledge of accounts XXXX XXXX XXXX XXXX provided chex systems PO REPORT and FTC report.

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 2023-09-27
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Other advances of future income
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021, Title Max deceived a client by calling an online loan a 'Personal Loan ', but in the loan documents, addressing it as a SECONDARY MOTOR VEHICLE FINANCE REGISTRATION LOAN CONTRACT. The online loan description does not align with what the contract itself states, as online it clearly says, " Get a Personal Loan Without Collateral '' yet in another section online it mentioned, " In AZ, a valid AZ vehicle registration in your name. '' The registration is weirdly called 'collateral ' in the loan documents, not making sense or adding up to what is stated on Title Max 's website. The overall wording is believed to be purposefully confusing to consumers. Not only did Title Max not be truthful regarding collateral or the type of loan it was giving out, the {$200.00} loan documents also have a section regarding repossession, page 5 of 11. Title Max states " Lender 's Rights '' in section 12 on page 5, but they are not legally allowed to repossess a vehicle that already has a lien on it and is currently being financed by another financial company. A Registration Loan is not a Title Loan, as they do not own or have the vehicle title whatsoever, just a verified vehicle registration. Title Max does not in fact, have that repossession right in this case. Again, Title Max being untruthful and deploying deceptive tactics to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
REPEAT VIOLATIONS AS PRIOR HISTORY OF DECEPTIVE ACTS AND PRACTICES IN VIOLATION OF THE CONSUMER FINANCIAL PROTECTION ACT ( CFPB ) 12 U.S.C. 5531, 5536. AND FDCPA 15 U.S.C. 1692e FALSE AND MISLEADING REPRESENTATION IN CONNECTION WITH THE COLLECTION A DEBT. 

FALSE AFFIDAVITS, UNTRUE CLAIMS THAT WERE SWORN TOO. 

I HAVE BEEN DAMAGED FROM FABRICATED EVIDENCE CREATED TO FOOL THE JUSTICE SYSTEM I HAVE ATTACHED A SAMPLE OF THE FABRICATED MONTHLY STATEMENTS USING XXXX CREDIT CARD TEMPLATES TO MAKE XXXX ACCOUNT, THERE ARE MORE OF THE STATEMENTS WITH MIXED SECTIONS OF ORDER. THE SECOND ACCOUNT IS NOT IDENTIFIED HAS MISSING XXXX  YEAR HISTORY SAME MIXED UP SECTIONS. CONTAINS FABRICATED CHECKS ( NEVER USED ) AND XXXX POSTAL CLERKS CONFIRMED THAT ADVERTISEMENT ENVELOPES ADDED IN INFLATED STATEMENTS WITH MY ADDRESS WERE NEVER MAILED. 
I HAVE NEVER RECEIVED THE MONTHLY STATEMENTS AND THEY WERE NEVER SENT/MAILED TO ME. THEY WERE CREATED AFTER LAWSUIT STARTED. 
IT SHOULD BE NOTED THAT ALL OF THE FABRICATED EVIDENCE AND FALSE AFFIDAVITS ARE CREATED IN BANK OF AMERICA DEPARTMENT CALLED THE RESEARCH AND ADJUSTMENT ( COLLECTION DEPARTMENT ) THE EMPLOYEES ARE HIRED AS RESEARCH AND ADJUSTMENT REPRESENTATIVES, I HAVE ATTACHED THEIR JOB DESCRIPTIONS LEVELS XXXX  & XXXX, THE TITLE OF " OFFICER '' DOES NOT APPEAR IN JOB DESCRIPTION AS IS USED ON AFFIDAVITS, THEY DO THE SWEARING AND NOTARIZATION IN THAT DEPARTMENT MOST TAKE TURNS SIGNING AND NOTARIZING AS MOST I INQUIRED ABOUT EACH HAD NOTARY LICENSE. THEY MUST WORK DIRECTLY WITH ATTORNEYS TO GET THE EVIDENCE NEEDED IN COURTS. IT IS IN JOB DESCRIPTIONS.

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 2020-06-11
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 downloaded XXXX XXXX yesterday for the first time and I noticed I had several accounts that didn't belong to me. So I decided to pull my report and noticed several accounts that are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I REACHED OUT TO THE COMPANY AND THEY ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THE BALANCES DO MNOT MATCH THE DATES DO NOT MATCH THE AMOUNT DUE IS INCORRECT AND THIS IS HARMING MY CREDIT SCORE TREMNDOUSLY I HAVE BEEN GOING BACK AND FORTH WITH THE COMPANY AND NO RESPONSE FOR OVER 7 MONTHS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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 2020-06-11
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am unemployed due to Covid-19. I contacted my Vanderbuilt mortgage and notified them that I would need a 6 month extension as specified in the CARES act. I was informed that that Vanderbuilt mortgage and finance will decide what options are available and that they are only giving a 2 month extension on mortgage loans. 1 month later I received a phone call stating that I could apply over the phone for the loan mod. I never received any papers in the mail and I never signed any loan mod agreement but I did receive a bill that was XXXX more than my actual mortgage payment for the month of XXXX. How can a finance company violate the federal act that was recently passed by Congress? Please advise.

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 2023-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
First, I need this to reflect on record that Bank of America does not do thorough research on dispute 's when it comes to customers that has multiple prior claims. Bank of America, Instead denies the claim. 

Regarding XXXX XXXX warranty with XXXX XXXX lists the policy that states that devices have no physical damage, no water damage and is within one year of purchase that they replace the device if its defective I called XXXX, they informed me that I need to call XXXX. 

I had the Total protection coverage, there was no defectives and devices was new screen protector that was purchased a u-break and applied by them was not done properly, so removing the bubbled screen protector applied by ubreak which is affiliated with XXXX was not applied correctly. When i took off, the top left was not flush. that's all. But, XXXX said that I wont be charged for that but they suggested that I don't take a chance and have XXXX handled it.. So, So rather taking a chance with XXXX I would take the risk of having to pay {$29.00}. 

If XXXX claims that any damage appears on the device, than I would like to provide the video that has been taken from the moment I did the hard reset to the sealing of the box. The XXXX  includes the XXXX  as week. 


XXXX. A transaction for XXXX XXXX on a XXXX  was made,. 
XXXX. Bank of America did not deduct the credit that has been applied until a few days later. 
XXXX. This is where the bank failed, I am the customer who filed the XXXX XX/XX/XXXX or XXXX a purchase was made at XXXX XXXX On XX/XX/XXXX Bank of Americas deducted the funds and made the history to appear that we made the purchase with XXXX XXXX after. 

Bank of America violated ( per 1681m ( a ) ( 3 ) ( B ) L Bank of America did not provide a statement of decision Failed to provide a rejection notice Failed to provide the agency details ITS IMPORTANT THAT i MAKE THIS A PUBLIC COMPLAINT ALLOWING OTHERS TO SEE THE TRUTH. 
. 

When a dispute is filed, I print out the daily transactions so that if you deduct the credit than I have proof that it was not done from the perception you causel

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 2022-05-16
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for credit 2 times one which was XX/XX/XXXX and XX/XX/XXXX and was denied credit on both applications which is very fraudulent and aggravated identity theft. I didnt fill out a loan application according to 12USC 1431 banks do not lend money. I am a natural person the creditor and the applicant I went to this corporation to get access of my trust account and XXXX was suppose to act like the trustee instead they just stole my money denying me for my own credit when the inquiry shows that the consumer credit transaction was finalized! I didnt receive any benefit from any of the two transactions when I am the beneficiary! I provided my credit card my trust account to get access funds through this third party and was robbed off of my own credit. Not only was I robbed of my own credit but this company decided to report information ( the inquiry ) to credit reporting agencies without my written consent! Also gave me an adverse letter stating reasons for my denial when I can not be denied my own credit! And also the reasons showed me that they researched my credit ( social ) to obtain information out about me without my written consent! This is aggravated identity and very fraudulent! I emailed the corporation stating what happened and they have the nerve to tell me that non funds were disturbed nor an account was debited which is a major lie! To just tell me the beneficiary that I am denied access to my own credit after I gave my credit information which then the corporation withdrew money from is FRAUDULENT.

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 2022-05-16
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont know where this account is from, I have never used XXXX XXXX XXXX  before and your trying to collect money from the wrong person. This is not my account and this is not my debt. Tried to talk to to company that is trying to collect this and they would not speak with me about this debt.

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 2023-09-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft. On XX/XX/XXXX, the suspect opened credit card account XXXX with XXXXFORTIVA and accrued {$3500.00} in charges. I believe the suspect stole my mail, specifically a W2 tax form sent from my previous employer, from a mailbox located at address XXXX XXXX XXXX, XXXX, NY where I lived from XX/XX/XXXX through XX/XX/XXXX. I discovered this fraudulent account on XX/XX/XXXX as I was looking at my credit report and noticed this unfamiliar bank and delinquent account. As soon as I discovered the account, I called Fortiva to report the fraudulent account. I spoke with a representative in the Fortiva Fraud Department, XXXX, who advised that the account was opened using the XXXXXXXX XXXX XXXX XXXXXXXX address. I had not been living at this address for 2 years when this account was applied for and opened on XX/XX/XXXX. 

On XX/XX/XXXX, I reported this theft to the XXXX XXXX XXXX Precinct, XXXX XXXX, who advised that I needed a written statement from the bank with details and information used to open the account before he could file a police report. On XX/XX/XXXX, I sent Fortiva a letter of request for business records related to this fraudulent account, along with the FTC Identity Theft Report, my government issued proof of identity, the Fair Credit Reporting Act Section 609 ( e ), and a link to ftc.gov resource titled Businesses Must Provide Victims and Law Enforcement with Transaction Records Related to Identity Theft. 

It has been 30 days since I sent Fortiva the letter of request for business records related to this fraudulent account and the only correspondence I have received is an Affidavit of Fraud form to fill out and send back to them in order for them to investigate. My consumer rights have been violated and I demand resolution to have this fraudulent account removed from my credit files. I have taken steps to dispute this fraudulent account by reporting the fraudulent account to Fortiva, disputing the account with all three credit bureaus - XXXX, XXXX, and XXXX - filing a complaint with the XXXX, as well as the XXXX  Police Department. Additionally, I have placed a freeze on my credit, set up fraud alerts, and added consumer statements with all three credit bureaus. 

This credit card account was opened fraudulently using my personal information without my consent or permission. I did not open or authorize this account. My credit report is showing incorrect information by claiming this credit card account under my identity. I demand that Fortiva, XXXX, XXXX, and XXXX absolve me of all charges on the fraudulent account and all activities associated with it, and that all appropriate steps are taken to remove information about this account from my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I wired {$30000.00} to Coinbase on XX/XX/XXXX. The funds didn't show up on my account. Since then, the customer service looked at the cases a couple of times to collect more information which I provided in time. But somehow, they closed my case on XX/XX/XXXX without any real resolution ( I haven't got my funds back anywhere ). I have reopened my case but after four business days no one has followed up my case. 
My support case ID is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In disdain of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: STERLING JEWELERS, INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The original creditor was notified of my activation under military order and exercising of protections under the SCRA. Immediately following the creditor charged of the account and sent it to this collection company. I notified the company that I was protected from such adverse actions under the SCRA and they said they would call my commander and make and garnish my military pay. Every action taken by the original creditor and this company is a violation of my protected rights under the SCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: U.S. BANCORP
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
U S BANK {$1200.00} I have reported this company stating this debt is not mine. They keep verifying it with already-known information. However, I have an FTC, CFPB, and a police report stating I am an identity theft victim. It even shows on my credit reporting accounts. 

This said account is nothing more than another theft account that was opened fraudulently without my permission and knowledge.

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 2016-08-17
Company: Valentine and Kebartas, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a call from the Valentine and Kerbatas Collection company. The representative explained to me that she had me on a recorded line, however failed to name the company on the recorded line. She then proceeded to ask me to verify my SS # and DOB. I stopped her and asked her to provide me the name of the company again before I would validate or verify anything ... the lady got very upset with me and kept saying I was on a recorded line. I told her I did n't care and wanted more info about the company BEFORE giving any of my info. She then hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation