BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 e reached out several times advising this bank that I did not open an account and Id like to see a signed document as to who authorized an account to be opentin my name. The will never send anything and this is hurry to my credit .this company wants me to pay for their actions by opening an account with no identification and if so a they have yet to send me documents to assure that they did not allow anyone to steal my identity the bank is XXXX XXXX  XXXX XXXX XXXX XXXX Florida

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 2023-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX  XXXX XXXX XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
TD Auto finance employee XXXX # XXXX, during a monitored call with me exhibited extremely rude and reprehensible, unprofessional conduct. She also violated company policy by refusing me the right to speak with her superior, after I asked for a supervisor several times. Instead she opted to argue with a customer/myself! XXXX XXXX held a lengthy conversation with me regarding my account, once I expressed my desire to speak with a supervisor she then opted to inform me that per td auto finance policy she was not allowed to speak with me regarding my account and Id need to contact the third party thats representing TD Auto, to settle my account. Interestingly, XXXX violated company policy long before attempting to use policy as a means of retaliation for me requesting a supervisor. It was fine for her to discuss my account initially but when I want satisfied with the information she had given me and requested a supervisor, then suddenly she couldnt discuss my account. Also, she placed me on hold to contact a supervisor only to return and tell me that her mysterious supervisor said it was against policy to speak to me. I asked for that supervisor name etc. only for XXXX to tell me that she was not allowed to share that information. Which again was a blatant lie. Nevertheless, by her own admission she violated company policy which warrants disciplinary actions aside from her poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The purchase of a new vehicle.. they were supposed to be soft inquiries to lenders and they came in as hard inquiries...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit 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 non-monetary relief
Consumer complaint received 2021-05-05
Company: Novad Management Consulting LLC
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My escrow company has been trying to get a payoff from Novad since XX/XX/XXXX. When they called to get an update, they said 5 business days. They called on that day, and said to call back the next day, as they could escalate it. They called on day 6, and had it escalated. When they called back on the XX/XX/XXXX, they stated that they now needed another signed form to get the payoff. That was immediately sent in. They've now had to request this payoff 6 times and still, no payoff. No one responds and every person we've talked to is extremely rude. I just want to pay off this mortgage and sell my home, but Novad is preventing me from doing this, but not providing the payoff they've been asked for 6 times now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Phoenix Financial Services LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
First of all a female from this collection agency called my working pretending to be a friend. When I was at this place of employment we are not allowed personal phone calls. The operator sent the call through. At that time the female stated the name of the collection agency and stated I owed money from an ambulance bill in XXXX She then hung up. I recall being unemployed and did not have health insurance I was on Government Assistance in XXXX. I dont remember using an ambulance service in XXXX How does someone find a medical debt from XXXX? I am devastated by this. My credit report is very important to me. This collection agency has now lowered my credit report. This collection agency came out of nowhere and is trying to obtain over {$2000.00} from me! My credit report shows my XXXX score decreased XXXXXXXX XXXX due to this collection agency report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, INC.
State: LA
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 have attempted to handle this with Equifax on numerous occasions. Please be advised that this is causing financial damages. Failure to provide an appropriate legal and lawful response will result in further action. Failure to provide such response within 7 calendar days will be constituted as your acceptance that this debt is not valid.

Please verify, validate and document that I am LEGALLY obligated to pay this alleged debt. 
A simple answer of " been verified '' does not constitute an appropriate legal nor lawful response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I had so far XXXX total applications for credit cards that someone tried to get without my knowledge. XXXX out of those XXXX were granted back in XX/XX/2023 chase was opened without my knowledge. I only noticed because of a letter i got in the mail, then i saw it on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE A XXXX ACCOUNT APPEARING ON MY CREDIT REPORT THAT I THINK IS LINKED TO MY IDENTITY THEFT CASE FILED BACK IN 2019

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 2023-04-01
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are approximitely 8 collection accounts with Bull City Financial that are the responsibilty of the North Carolina Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXX  when these providers were used. The North Carolina Department XXXX XXXX is responsible for these invoices. Please contact XXXX XXXX, Acting Controller for XXXX. Her number is ( XXXX ) XXXX, Fax ( XXXX ) XXXX. The collection agency refuses to put in a dispute or take these off my credit report, which is in violation of state statute, as well as U.S. Const. amend. VIII and N.C. Const., art.I section 27.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have paid off my car loan with XXXX XXXX XXXX and they are still reporting a balance to Transunion, XXXX and XXXX. I need this loan to report XXXX on my credit report 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 2023-10-04
Company: EQUIFAX, INC.
State: CA
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:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00} XXXX  XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: CITIBANK, N.A.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : CITICARDS CBNA XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2023-06-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: SLM CORPORATION
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Loan opened without my consent or knowledge

Complaint:
In XXXX of 2022 i started receiving phone calls and voicemails regarding a loan past due. I called the company with no knowledge of this loan and expressed that to their representative. They told me it was mt ex husband who took the loan out and I had been put under the laon as well. Since then he has not been paying this loan and it has hit my credit. they told me over the phone i could not be taken off the loan unless I report it as fraud as i am doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to schedule XXXX XXXX with this company and wanted to pay cash. This company requires you to go online and get a voucher instead of paying cash. I had the XXXX done and presented my voucher. I then received a bill for {$410.00} from XXXX XXXX. I called them beginning XXXX to talk to them about the invoice because the voucher specifically states it covers XXXX XXXX AND XXXX fees. The first two people I talked to had no idea what the voucher was. I talked with XXXX on XX/XX/14 and see said they received the copy of the voucher I sent and it was on hold waiting to be adjusted. Then I receive a call today from the creditor and something in the mail. This is not a bill that I owe and the fact that I have not heard anything from the servicer after repeated attempts, I would think this would have been taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: LJ Ross Associates
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm a victim of identity theft and fraud against me.I have already made proper reports with appropriate agencies and am still going through it and it's exhausting and relentless especially with companies who don't do their due diligence and ask for proper ID or background checks, if they did these examples would be less of a headache I'm already going through.So I was pulling my credit report and found this, no phone call, no documentation, no validation so I could even dispute to remove.Was only made aware of this fraudulent activity against me by pulling my credit reports for another problem.I immediately called and was met with a rude hostile person whom I told who I was and this is a result of my identity being stolen and fraud against me in so many words, and they haven't even did the bare minimum of validation by FCRA standards i believe there supposed to at minimum, not even a phone call, and it's because it's not mine it's fraudulent against me and should immediately be removed, met with refusal of course.Did find out where my stolen identity was used this time was from XXXX XXXX somewhere in Texas where I never lived.I called XXXX XXXX and spoke to a XXXX  and told him this was not mine and a result of identity theft and fraud against me and they didn't even call much less provide validation ... because it isnt mine and don't exist, but I repeated he needs to send me validation so I can turn documents over to identity theft, he refused.This is false and fraudulent negligent credit slandering reporting and needs to be removed.This has gotten so twisted and theyve gotten away with this so long without accountability its very distressing and disturbing.Im not very good with putting thing into to words, but i think my point is made thus is wrong.I did however dispute and report this with a couple agencies so far afterwards and will vigorously stand angainst all wrongs against me and will continue to stand for whats honest and right even if i have to stand alone.Thank you and please remove all false and fraudulent credit slandering reports against me as we consider further proper options to deter these bad practices.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation