BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: NY
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. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX  XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX  XXXX Balance : {$240.00} XXXX XXXX  XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX  XXXX Balance : {$700.00}

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 2023-01-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened up a checking account with TD Bank on XX/XX/2022. This Was in response to a mailer I received. the promotional code would award a {$400.00} bonus if specific criteria were met. I followed the instructions, opened the account through the correct website, entered the promotional code and completed the required activities. I have waited the required length of time to receive the promotion and my account is still open. 
TD Bank is saying that I was not eligible because I never received a promotional flyer. The representative I spoke to who was a supervisor said that they searched my name and social security number and address to see if a promotional flyer was ever sent and they could not find XXXX. I'm not sure how they think they could have had my social security number prior to me opening the account so that in and of itself is confusing. 
I had also inquired about the length of time it would take to receive the bonus previously and there was no mention that I was not eligible so I feel this is a deceptive act to trick people into opening up bank accounts and hold their funds while we wait to see if we get our bonus. 
Note that I deposited enough funds to meet an average daily balance to avoid the normal $ XXXX monthly fee they usually charge. The supervisor I spoke to you on XX/XX/XXXX agreed to reach out to their promotions team and ask them to search my last name which I sometimes hyphenate. I opened the account with just XXXX last name not XXXX. She told me to allow up to XXXX weeks for a response they told me usually there's a response after a week and a half. 
She also told me that I may need to supply them with a photo or walk into my local branch and provide the actual flyer that was received back in XXXX. That was over XXXX  months ago so of course I don't have that flyer. I did take a couple screenshots but sadly they don't show my name as the addressee. I also asked her if she could look to see if I entered the code that was provided on the mailer and she said her system does not show whether or not a code was entered. There seem to be a lot of holes and gaps since ( number XXXX ) she's saying they looked me up by my social security number to see if a flyer was ever sent and I never did business with TD Bank in the past so there's no way they would have had my social security number ; ( number XXXX ) how would anyone ever expect to receive their friends if they didn't retain the original mailer? That's why I think what they're doing is predatory and deceptive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX has not verified the debt they have falsely claimed I owe but Experian continues to report it is verified. Ive reported this several times since XXXX Ive been denied credit several times due to the false reporting. Ive added court documents and they still continue to report false information. I most recently asked them to verify this debt again as of XXXX XXXX and yet they still say its verified. This has hindered me too many times. My next step is to sue. 
This dispute came back verified XX/XX/2021, XX/XX/2021, XXXX but they have never sent verification. They have not come with any proof or documents to combat my court documents.

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 2023-03-06
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/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 2023-01-19
Company: Experian Information Solutions Inc.
State: AR
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:
Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. Below is the list of the fraudulent items I found on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$94.00} XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$9500.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$380.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law and please remove the disputed items as soon as possible.

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 2020-03-11
Company: AR Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I exceeded my insurance annual maximum out of pocket by XX/XX/XXXX. Once I met my max out of pocket, all healthcare costs are the responsibility of my insurance company, XXXX XXXX. 

I mailed XXXX XXXX, the XXXX XXXX company, and AR collection agency a certified letter with the chronological itemized accounting of the maximum out of pocket to show that I did not owe this debt. The certified mail number was XXXX XXXX XXXX XXXX XXXX. The letter was delivered on XX/XX/XXXX. I wrote to AR prior to this letter requesting proof that the debt was mine, within a week of receiving their collection notice. 

XXXX has refused to pay their debt. AR filed a collection notice in XX/XX/XXXX, despite definitive proof that I do NOT owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX  account XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXXXXXX XXXX XXXX account 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

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 2023-02-08
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:
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 XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance XXXX {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: NATIONSTAR MORTGAGE LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar was sending excessive amounts of marketing materials, sometimes 2 a day, to my home address. On XXXX/XXXX/2016 I called requesting to opt out of all marketing materials, but asked to still receive account servicing updates Agent XXXX assured me she updated my status. To my surprise, I received a letter dated XXXX/XXXX/2016 stating that my account had been put into a 'Cease & Desist ' status and I would no longer receive ANY updates regarding the status of my loan. On XXXX/XXXX/16 I called Nationstar to bring this error to their attention and requested the issue be corrected. Agent XXXX advised he was unable to update the status of my account and directed me to write a letter asking for the Cease & Desist to be lifted. I asked for the call to be escalated to a supervisor, which it was I advised of my intent to file a CFPB compliant on their practice and requested my account be corrected. Agent XXXX reassured me she would personally update the status of my account without the need for a letter, and would contact me within 24-48 hours to advise on the status of the account. The duration of this XXXX/XXXX/2016 phone call was 27min29sec.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: IN
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Selip & Stylianou, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Debt collectors Selip and Stylianou are inaccurately holding themselves out as being the lawyers for XXXX card, yet XXXX card has informed me that they do not have any association with the case anymore, and that Selip and Stylianou is simply a debt collector. Yet in the lawsuit, S & S has the plaintiff misleadingly listed as " XXXX. '' However, it is actually them who is the plaintiff. They are acting as if they are lawyers instead of debt collectors. They have violated 15 USC Section 1692 e sections 3, 10 and 14.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: TX
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
This complaint is specifically based on Capital One Auto Finance department 's incompetence and shear disregard for helping a mother of soon-to-be 3 obtain the vehicle 's paper title. My husband and I purchased a vehicle this past year in the state of XXXX We relocated to XXXX for work in order to be near family. We have XXXX XXXX children with our XXXX  child arriving this XXXX, XXXX willing. To register the vehicle in XXXX a paper title must be obtained. Capital One Auto was notified of this prior to this past XXXX ( XX/XX/2021 ), for which they then sent their formal request to the XXXX DMV a week later I'm told. We are still awaiting the paper title and thus have remained unable to drive the vehicle that remains being financed through Capital One and paying insurance on. There have been now over half of dozen phone calls into Capital One, sadly unable to reach a representative who provides help in any positive manner. These actions, rather lack thereof, are despicable. As we've researched and now have seen numerous other complaints from customers filed against Capital One for this exact reason, we are being forced to hire legal counsel for any hope of resolution sooner than later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credence resource management is attempting to collect a debt from XXXX. I have repeatedly asked for an itemized bill for this random XXXX $ to which i have not received. The only thing sent was for XX/XX/XXXX for internet for {$45.00} with a past due of {$1200.00} plus. My account with XXXX was cancelled in XX/XX/XXXX and paid in full. I had no service with this company nor do I have any equipment it was returned in XX/XX/XXXX. When i called to disconnect services with XXXX in XX/XX/XXXX they stated no balance was owed. Not once from that point forward did I receive any kind of monthly bill as I had no service with XXXX any longer. Now fast forward to XXXX i have XXXX calling me multiple times a day to collect a debt they have yet to provide itemized information of and I have never been contacted by XXXX. Please remove this from my credit report and stop these mutliple day calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: FL
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 am filing this complaint pursuant to the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION PRACTICES. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under the law. As pursuant to 15 U.S.C. 1681. 
/ :. XXXX ACCOUNT NO : XXXX / :. XXXX ACCOUNT NO : XXXX / :. XXXX XXXX ACCOUNT NO : XXXX In accordance to 15 U.S.C. 1681 SECTION 602 A. STATES I have the right to privacy. Also 1681 section 604 A section 2 : states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the report by more than seven years, agency can not furnish an account without my written instructions.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 cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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