BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
New XXXX XXXX financed with XXXX XXXX XXXX, a 84 month loan issued in XX/XX/XXXX. 
Made payments of $ XXXX for almost 60 months. 
Had XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX for 12 months, could not return to work, with SS and Pensions ( 2 ) income could still make payments. 
Due to medical bills, I missed 3 payments. 
TD Auto Finance issued Seizure order and took car on XX/XX/XXXX. 
Wanted to bring loan current by paying the 3 months due in full, would not accept that, instead wanted the full balance of loan ( thru 84 months ) {$11000.00} paid to be able to redeem vehicle. 
TD Auto Finance refused to negotiate any offers made by me to bring loan current. 
TD Auto Loan account # XXXX Last six VIN # XXXX Note : In XX/XX/XXXX filed a XXXX XXXX bankruptcy, however, did not include TD Auto Finance in that filing, wanted to continue making payments directly to TD Auto Fianance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: MD
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 3rd 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} 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 2022-10-11
Company: EQUIFAX, INC.
State: MT
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 working on my own behalf, a federally protected natural person XXXX XXXX who did not give permission to Equifax to report this alleged debt and fraudulent information with XXXX XXXX XXXX. My complaint with Equifax # XXXX is impacting my credit score and I am demanding that you remove it from my consumer report-you were suppose to do an investigative report-and I know you didn't speak to my neighbors or anyone I know personally. Send me a detailed audit trail of the investigative process or delete the alleged account from my consumer report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
The date of the credit opening is XXXX2020 in the amount of {$460.00}. I called Portfolio Recovery twice and disputed this 2 other times ( in total 4 times ) and they said that it's my debt. It definitely is not mine. I did not open this credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: MS
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 did a did a credit report with experian and noticed it said i had a balance of {$9200.00} I have never had a credit card so this is wrong. 
It says i am an authorized user of a XXXX creditcard that was opened in 2015. 
I was XXXX XXXX XXXX in 2015. 

I filed a dispute but they couldnt do anything apparently. 
I got a letter from XXXX saying i needed the creditcard owner to remove me. I dont know how thats possible considering i have no idea who that person is.

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 2022-03-09
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Yet ANOTHER account has been opened with MY email address. I believe this is related to several other accounts opened in my name over the last 4 months. I could not get through to the company to submit a formal complaint because I do not have the card issued by the company. 
Whoever this is, is determined to assume my identity through my email. 
So far I have had at least XXXX accounts opened with my email that I have had to go to extensive measures to have my email account removed. 
I would rather find out who this person is in order to put a stop to it because I believe it is a family member. 
This occurance happened on XX/XX/2022 They would have to research by referencing my email address which is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: SC
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 I contacted Equifax about the following negative accounts XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$350.00} ), XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$4800.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This has been an ongoing issue for years. Equifax refuses to release my information. They say that they can not verify my social security number. On XX/XX/XXXX I mailed a certified letter with XXXX that contained ; a cover letter stating what I needed done, a copy of my social security card, and a copy of my Florida Drivers License. They received the letter on XX/XX/XXXX. Certified mail tracking number XXXX. 

I called Equifax on XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX On calls XXXX and XXXX they informed me of the documents I needed. On calls XXXX I was told that it takes 5-10 business days for files to be processed. On calls XXXX, I was told to reach out to the lenders I have borrowed from and verify they report to Equifax. ( Below I have listed the XXXX lenders that I called to confirm if they report. ) On call XXXX I was told that they have not received anything from me. I gave them the certified mail number and asked them to explain why it hasn't been processed after a month, they would not answer. I was then told that because I'm not in their the system they can't do anything. When I asked how I create an account in their system, they said that it would be created as soon as lenders reported my information. I brought up that lenders have been reporting my credit since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX They confirmed that they report to all 3 credit bureaus with my Social Security number . 

XXXX XXXX XXXX - They confirmed that they report to all 3 credit bureaus with my Social Security number.

Discover Bank - They confirmed that they report to all 3 credit bureaus with my Social Security number. 


Equifax client I was working with gave me their id as XXXX, XXXX XXXX, I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: HI
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:
Inquiries due to identify theft/fraud. Equifax did not help or remove hard pull inquiries after sending letters and correspondences. 

DATE OF INQUIRY COMPANY ADDRESS XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: WA
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:
THE FOLLOWING ACCOUNTS LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. 

XXXX XXXX  XXXX The monthly payment on this account is inaccurate. Experian is reporting - as the monthly payment and XXXX is reporting {$330.00}. The last date of activity is also inaccurate. Experian is reporting XX/XX/XXXX as the last date of activity and XXXX is reporting XX/XX/XXXX. 
PLEASE DELETE AND REMOVE IT FROM MY 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 2022-02-28
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Jefferson Capital LLC. Contacted me months ago about a dept was from 14 years ago and they are with drawing it out of my checking account.. and they said it had to be paid.. I took care of this matter years years ago ... how can they do this... I had solved this problem ... my husband passed.. I now try to get back up... looking for houses and now. They messed it up... this was taking care of .... and also my credit score is down.. can even open my credit score cause.. to see what I have on it. That will mess my credit score up too.. I really need to look at my credit score to get a home... I had a credit check from a agent and it was NOT all that good... I don't even know what is listed on my score... how can I talk to a credit bureau to check it with out hurting it.. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My XXXX credit report is showing that I filed for bankruptcy, I contacted the bankruptcy court and their files doesn't show that I filed, this information should be deleted for violation of my FCRA rights 15 usc 1681c-2, I demand this information be deleted and blocked from my credit profile immediately. I also sent validating information to XXXX proving my case with documentation and they responded back saying it was verified. Also XXXX and other 3rd party credit agencies are not handling consumer credit reports and disputes according to the standard of the FCRA law.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: IL
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  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a 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 2022-02-28
Company: Experian Information Solutions Inc.
State: SC
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:
PURSUANT TO 15 USC 1681 ( a ) ( 1 ) CONGRESS MAKES IT CLEAR THAT THE BANKING SYSTEM IS DEPENDENT UPON MY CONSUMER REPORTS BEING FAIR AND ACCURATE TO ME. MY CONSUMER REPORTS ARE IN FACT NOT ACCURATE OR FAIR. XXXX, EXPERIAN AND XXXX HAS PRACTICED ILLEGAL AND UNFAIR REPORTING METHODS BY TAKING INFORMATION FROM ALLEGED CREDITORS AND DEBT COLLECTORS PROCEEDED TO REPORT THIS INACCURATE INFORMATION WITHOUT MY CONSENT OR CONSULTING WITH ME TO CONFIRM OR VARIFY IF THE INFORMATION WAS ACCURATE OR NOT. IF YOU DO NOT DELETE THESE NEGATIVE, UNAUTHORIZED, ILLEGAL TRADELINES FROM MY CREDIT REPORT IMMEDIATELY I WILL NO LONGER EXTEND MY CREDIT TO ANYONE OR DO ANY BUSINESS WITH YOUR COMPANY. I XXXX XXXX XXXX AM THE CONSUMER, CREDITOR AND NATURAL PERSON AND I EXERCISE MY RIGHTS GIVEN TO ME BY THE MOST HIGH XXXX  AT BIRTH.

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 2022-10-11
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is about my brother 's account. In XX/XX/XXXX, he was in the hospital with a XXXX for XXXX weeks when I discovered fraud on his account - someone had created fake checks & they were being paid by the bank. In XXXX, I went into the bank to report this & they finally agreed to freeze the account so no more checks would clear. Six checks had cleared totalling > {$6000.00}. A police report was filed. I provided them with a Durable Power of Attorney giving me authority on his behalf. After several trips to the bank finally in XX/XX/XXXX they took the information to submit to their main office. The fraudulent checks were numbered the same as valid checks that had cleared a couple of months before so the fraud was evident but the bank claimed that they didn't catch that because it was at the time of transition from BBVA to PNC. My brother passed away in XX/XX/XXXX, so today, XX/XX/XXXX, I went to the bank as executor of his estate to start the process of closing his account & to ask why the funds had not been redeposited to his account. Again another run around about why since the issue was filed XXXX days ago it had not been resolved. They want to start the process all over again. This is totally unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received email from TD Bank XX/XX/XXXX regarding a new opened Checking Account and a new Debit card being shipped, contacted TD Bank XX/XX/XXXX to report Fraud, TD Bank closed account and directed me to the Fraud Dept in which the opened account was closed as Debit card terminated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely 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 non-monetary relief
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: KY
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 account from XXXX XXXX was opened fraudulently on XXXX XXXX  2019 and is now a charge off showing on my credit reports. I did not open this account. I have sent police reports to the company and the credit bureaus to remove this fraudulent account but its still showing on my credit reports.

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 2022-03-01
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
On XX/XX/2021 I informed EXPERIAN I have become a victim of identity theft. EXPERIAN continues to report fraudulent accounts on my consumer report which has caused me stress, XXXX  and defamation of character.

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. The following accounts listed on my credit report are disputed : XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX A XXXX Collection Account XXXX. XXXX XXXX XXXX  XXXX XXXX A XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX  XXXX XXXX XXXX XXXX Account XXXX. NXXXX XXXX XXXX  XXXX Charge Off Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX  XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX payment Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXXXXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX  XXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX XXXX XXXX HXXXX XXXX  XXXX Collection Account I believe these accounts are inaccurate because [ provide a brief explanation of why you believe the account is inaccurate ]. I am requesting that these accounts be investigated and corrected or removed from my credit report. 

Under the Fair Credit Reporting Act, you are required to investigate and respond to my dispute within 30 days. If the information is found to be inaccurate or unverifiable, I request that it be removed from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief