BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have asked him numerous times to close my account I do not want to do business with them because of their attitude theyre directing me in misdirection multiple times not giving me straight answers when I came to my account felt as if I was given the runaround completely when I ask what was going on they would not answer me I do not want to bank with them at all I am completely disgusted with the service I do not want to have any affiliation with TD Bank XXXX XXXX New York

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, 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 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 non-monetary relief
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: FL
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 sent over documents to Experian to remove inaccurate information and well as inquiries on my report and they have not removed them even with all documents sent such as social security card and drivers license 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 2021-03-29
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against NATIONAL CREDIT ADJUST. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX 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 by the FTC 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.

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 2023-06-01
Company: Cedars Business Services, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Cedar Business is attempting to collect a debt that they've been made aware of with multiple pieces of information from the ORIGINAL creditor. I do not owe this debt, and they are aware. XXXX has given me 2 documents showing a XXXX debt, and they are also in possession of a call recording in which I was informed there was NO DEBT owed by me. This is a violation of my rights! This aught be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX a dispute was delivered to Transunion to investigate a fraudulent late payment reporting to my account. They responded by claiming that it was verified. 

I requested a method of verification and submitted a FTC Identity Theft report to have this unauthorized item removed from my credit reports, but they never responded to my next dispute. Those items were delivered to them on XX/XX/XXXX and I have the tracking numbers here to prove it. 

XXXX XXXX XXXX I ask that you assist me in making Transunion follow the law because if I have to take them to small claims court, I will since they are blatantly ignoring me and my rights.

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 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, 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 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 2020-06-10
Company: Possible Financial Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was trying to accept a {$50.00} loan but Im getting a error message from the company and I emailed possible Loan and later on today they replied back to me and said my bank account ending XXXX was blocked by third payment party and I never did business with that company and I believe someone hacked into my bank account and I fixed it with XXXX and I need a loan so I can fix my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
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:
I applied for a XXXX  credit card a few weeks ago and I was not approved instantly and today XX/XX/20 I got a letter stating that the reason I was not approved was because there were too many accounts in negative or derogatory standing on my credit report. I had no idea what accounts they were referring to because none of my accounts are in negative standing. I checked my credit report just to make sure it wasn't a mistake and I found about 8 accounts on my report that are not mine. I had no idea these accounts were even on my credit history and I don't know who they belong to. I did not allow anyone to open those accounts in my name nor did I benefit anything from them such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I do not have any relationship or affiliation to any of the companies I listed in this report and I have already filed a police report regarding these suspicious 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 explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: AZ
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:
This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was a victim of identity theft and my personal information and banking information was stolen by scammers. I noticed several suspicious accounts on my credit report and I am sure someone is using my information to open accounts and take actions on my existing 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 2023-05-04
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chime closed my account for no reason at all! Ive never done fraudulent activity or anything other than use it to pay bills & save my money! My account was closed XX/XX/XXXX XXXX & im yet to receive a tracking number for my funds. I was supposed to receive a check for XXXX $ & another for XXXX $ & I still havent gotten an update on my money or whats going on. I always get the run around. Its XX/XX/2023 how do I not have my money & it was supposed to be here in XXXX like they told me on the phone. Ive literally called everyday since my account was closed. This is not fair to me at all & I have not been able to pay bills for 2 months now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have notified Flagstar Bank that I would like to pay my own property taxes and isurance, i do not have PMI, and filled out all their paperwork to get this removed, yet they are still making me pay into escrow regardless that they will not pay my property taxes. 

At first i was refunded almost $ XXXX the amount in my escrow account, but the last payment they made for my home owners insurance put me in the red, by about {$300.00} for my escrow account. I am not sure why they refunded me that amount and did not keep enough to cover this final payment to my home insurance company. So i made the complete payment, paying off the negative amount and putting me over by about {$700.00} in my escrow account. They have notified me that i am responsible for my property taxes and insurance. which is fine, but when i go to pay my mortgage for XXXX, it still shows that i am still paying into my escrow account. I am unable to get anywhere with their customer sercvice and pay the amount shown as i do not want to pay any late fees or get a bad mark on my credit. Can you help me? basically they are holding on to my money for free... I have really good credit and don't want to take a chance but can't understand why they won't reduce my payment to reflect that i am responsible for paying property taxes and home insurance. thanks.

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 2020-06-10
Company: LEXISNEXIS
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Consumer Report Ref # XXXX XX/XX/2020 My insurance company XXXX XXXX sent me a letter that said my license had been suspended or revoked in the past 36 months due to your companies report. My license has not been revoked or suspended in the past 36 months. 
I need this to be looked into on your side and a reinstatement letter of the inaccurate evaluation sent as soon as possible. 
XXXX XXXX Louisiana Drivers License # XXXX They have my last name as XXXX but that is not the name on my license, I told them I have not changed my last name but how YOU pulled up a suspended or revoked in the past 36 months under the name XXXX XXXX is very unusual because that is not the name on my license. Please be advised that this has caused me to have to go to another underwriter for auto insurance that has raised my premium around {$200.00} a month. I will be patiently waiting for the response on this matter. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, at approximately XXXXXXXX XXXX, I received a call from XXXX XXXX, NV Highway Patrol, stating that I was being investigated for fraud & money laundering, in Colorado. She then connected me to, XXXX XXXX, XXXX # XXXX, phone # XXXX, who identified himself as a representative of the above name entity and FTC. He gave me the names of XXXX XXXX XXXX XXXX XXXX. Both of whom I know. I later found out that XXXX XXXX was arrested for Fraud & Money Laundering. XXXX XXXX stated that in order for me to be protected, I had to send money from my Wells Fargo account to another Wells Fargo account, located at XXXX XXXX XXXX, XXXX, CA XXXX. Routing # XXXX, account # XXXX XXXX XXXX XXXX XXXX. Unfortunately, he sounded very convincing & I did it, in two increments. One for {$6500.00} & another for {$1200.00}. I realized, a little late, that I was being scammed. On XX/XX/2023, I went to my Wells Fargo to report it. A gentleman, by the name of XXXX, helped me & called the Wells Fargo in California. They started the investigation & said it would take 12-15 days. The {$1200.00}, was returned to my account. However, the {$6500.00}, never was. I received a letter from Wells Fargo that they were unable to reimburse me & that the inquiry is closed. Claim # 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 2019-08-06
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX is an elderly women living in her home. She desperately wanted to keep the home, reinstated her loan, and then received a Notice of Default posted on her door weeks later. She took it off the door so her kids and the neighbors didn't see it. This stressed her out and she called me. Then after her conversations with Ditech, they said " it was a mistake. '' I called them, and the representative didn't apologize and they said " it was sent out before she reinstated the loan '' ( which wasn't correct ). 

XXXX reinstated on XX/XX/2019 and they posted this Notice of Default to her door on XX/XX/XXXX. The NOD is signed/ dated XX/XX/2019 by XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: MI
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax XXXX XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance {$680.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Galaxy Capital Acquisitions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this action constitutes a direct violation of the FDCPA and FCRA. I urgently demand that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. I expect immediate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear CFPB, This message is in regards to complaint CFPB XXXX, which was wrongfully closed without the opportunity for me to respond. 

I request Goldman immediately revoke their false credit reporting and to refund me the outstanding funds. Goldmans response shows definitively that they willfully and knowingly violated the FCBA ( Fair Credit Billing Act ).

First, Goldmans response here to the CFPB, and ONLY here in their response to the CFPB, includes a reason for they used to close the dispute as well as evidence they contacted the merchant. An examination of XXXX claims XXXX, XXXX, and XXXX, and all chats, phone calls, emails, and letters received by me from Goldman shows clearly no mention of this reason not evidence. In fact, XXXX  claims XXXX, XXXX, and XXXX specifically request such evidence and reason. Goldman has therefore knowingly violated the FCBAs requirement of timely delivery of a reason and evidence for charge disputes. 

Second, by Goldmans own admission in their CFPB response as well as in my communications with them on XX/XX/XXXX, I am not a debtor to Goldman. In fact, my account has never since XX/XX/XXXX been in debt and actually carried a net credit in my favor. Moreover, I have made several notifications to Goldman that the check they sent was never received, and Goldman was aware of the status of the check at the time they reported the account to credit bureaus. Therefore, Goldman has knowingly made a false claim under the FCBA of an overdue account.

Thirdly, I have previously made a report of Title VII discrimination to Goldman for their continuous stonewalling and harassing behavior towards me during my attempts to resolve this issue. Since Goldman has engaged, wrongfully, in debt collection activities when they knowingly had the funds in an uncashed check available to them, I am hereby making a new Title VII claim of discrimination : Goldman knowingly chose to engage in acts to harm my credit ( the wrongful report of debt ) when they actually had the contested funds and did so because of my last name and ethnicity.

Goldman must cure their violations of the FCBA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XXXX, I discovered an error on my Equifax credit report that was being reported by XXXX XXXX XXXX Bank for a credit card I used to have with them ending in XXXX. The account was charged off as of XX/XX/XXXX and I later settled the account. I missed payments beginning in XX/XX/XXXX until the account became charged off in XX/XX/XXXX. The error I found on my XXXX report involves the payment history, which I have already disputed several times with Equifax directly. My report shows the account was 120 days late in XX/XX/XXXX, then no data is reported for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After that, Equifax shows I was 30 days late in XX/XX/XXXX then the account became charged off in XXXX of XXXX, which is 4 months after it ACTUALLY became charged off. Because Equifax was of no help, I wrote to XXXX directly on XX/XX/XXXX. XXXX responded back on XX/XX/XXXX saying that they would remove the erroneous payment history from all credit reporting agencies. I have attached my original dispute letter and XXXX 's response. As of today, XXXX has not corrected my credit report and they have continued to verify inaccurate information to Equifax, as I have continued to dispute the account with the credit bureau in the meantime. All in all, XXXX originally reported this inaccurate information, said they would correct it, and have not corrected it. XXXX also has verified inaccurate information to Equifax on multiple occasions regarding the payment history for my account. As a results of XXXX actions, my credit file looks like I became delinquent 4 months further into the future than I actually was, which is damaging my credit rating and financial livelihood. In addition, XXXX reporting of this information does not comply with XXXX XXXX reporting standards for accurate credit reporting. XXXX has violated my legal rights and continues to damage my credit by not taking action.

Company response to consumer: Closed with explanation