BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-30
Company: Millco Management
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX {$1200.00} XX/XX/XXXX $ XXXX {$1200.00}, XX/XX/XXXX {$420.00}. These accounts as cause me financial ruin. I have no knowledge of these accounts. They are result of identity theft

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and 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 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2022-10-17
Company: EQUIFAX, INC.
State: NJ
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.

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 2023-09-13
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received a letter on XX/XX/XXXX, stating my nordstrom credit card is closed at the end of XXXX. The letter states this is due to a low XXXX  score. The score in the letter is not correct with XXXX. The Nordstrom credit card has been active since for XXXX yrs since XXXX in good standing and is not over the limit or behind on payments. The credit card company TD Bank issued a credit increase of {$2200.00} in XX/XX/XXXX without my request. I called the credit services phone number to ask why I wasnt notified of this information and to obtain information since I am also an employee of the company, Nordstrom, for which the card is for. I was told by at least 4 different individuals that the card was either closed or will be closed end of XX/XX/XXXX and they will not stop this process. They said I can reapply in a few months after Ive paid this card off, which is not behind on payments nor over the limit. No one at the company has heard of this tactic and this is not the credit terms adhered to or provided when I was issued the card. At no point in time did I receive a change in terms stating that my credit card which is in good standing could be closed without notice for any reason. The supervisor XXXX claims there is a XXXX threshold but states there is actually not a set number when I requested he provide this information to me as Ive been a cardholder for XXXX yrs and no such information has ever been disclosed in XXXX regarding this information. He claims they truly do not have set requirements to close the account and would not give me guidance on how to stop the closure of the card. They wanted me to just pay the card off. I have informed Nordstrom that I will no longer be working for them after they have closed my card which was under the limit and paid on time for XXXX yrs, which resulted in a {$2200.00} credit limit increase 9 months ago. This seems like a cash grab by my own employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 2022-05-18
Company: Bridgecrest Acceptance Corporation
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2022, I called Bridgecrest to let them know that I was going to trade in my vehicle and needed a XXXX payoff amount. ( The car note due date was on the XXXX ). 

On XX/XX/2022, while at the dealership, the salesman asked me to call Bridgecrest again to verify the payoff amount. 

On XX/XX/2022, I purchased a new vehicle and traded in the vehicle that was financed by Bridgecrest. 

On XX/XX/2022, Bridgecrest called me twice stating that they had not received payment on my car loan. I informed them that the car was traded in and that they should have received the payoff check from the car dealership. 

Bridgecrest continued to send me text messages and voice messages regarding a loan payment on the car it had financed. 

On XX/XX/2022, I contacted someone at the dealership to see if they had sent the payoff check to Bridgecrest. She told me that they had. She and I got on a three-way call with a XXXX at Bridgecrest. The rep at the dealership gave the rep at Bridgecrest the date that the check had been sent to the lockbox ( a day or two after purchase ) and she verified the lockbox address. No one had been there to receive the check. 

Bridgecrest reported a late payment to the credit bureaus. 

I contacted Bridgecrest to get the late payment removed, because it was not my fault that they did not receive payment on the vehicle, when it was clearly sent in due time. 

Bridgecrest refused to remove the late payment.

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 2019-06-19
Company: EQUIFAX, INC.
State: KY
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:
Mailed dispute letter to Equifax to have some errors on my credit report fixed and to have a promotional freeze placed on my credit file. I received two letters in the mail from them. One stating they could not locate my credit file and asked me to send more information to verify who I was, which i sent legible copies of my photo ID and social security cards. Another letter stating that the promotional freeze was placed on my credit file. How can they local my credit file for one but not the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX ) We purchased a sofa from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX ) Total bill amount was XXXX XXXXXXXX. We were offered interest free loan to finance this. So we took the interest free loan of {$3500.00} to finance this purchase at the store. This was explained to us by the XXXX XXXX XXXX XXXX ) We continued paying the monthly installments as per the bill. In XX/XX/XXXX bill we noticed there is a charge of XXXX XXXXXXXX. WE called the XXXX XXXX. We were told this is for mattress that we recently purchased and than returned at the store same day. They cancelled this purchased and have informed the lender ( TD Bank ) to refund this amount of {$810.00}. It will take XXXX payment cycles ( By XX/XX/XXXX ) to appear as credit in monthly bill XXXX ) In XXXX we noticed this amount has not been reversed. We called XXXX XXXX. They now asked to reach lender TD Bank ( Contact Number : XXXX ). TD Bank told us that XXXX XXXX interest was only for XXXX XXXX after that XXXX XXXX interest rate. This we were not informed when we took the financing for the furniture. Secondly {$810.00} is interest @ XXXX XXXX on principal loan amount as on XX/XX/XXXX. Basically what we were told that as we have not fully paid the loan in XXXXXXXX XXXX ( promotion year ), they are charging interest at XXXX XXXX on loan outstanding in the XXXX XXXX finally they will now continue charging XXXX XXXX interest rate per annum on outstanding loan XXXX ) TD Bank representative were very rude and did not listen that we were not told that interest free is only XXXX XXXX and if we don't pay off the loan fully in first year they will charge XXXX XXXX on loan outstanding in XXXX XXXX and there after. 
XXXX ) We made a purchase /finance of {$3500.00} and in last last XXXX XXXX ( XX/XX/XXXX to XX/XX/XXXX ) we paid interest of XXXX XXXXXXXX XXXX ) We humbly request for waiver of this interest amount of {$1200.00}. This financing / product was misrepresented by XXXX XXXXXXXX XXXX. They never disclose that XXXX XXXX interest is only XXXXXXXX XXXX  and after that it XXXX XXXX and you also pay XXXX XXXX on XXXXXXXX XXXX outstanding loan, if the loan amount is not fully paid in XXXX XXXX  Kindly help us. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
In XXXX of XXXX I was an XXXX of Wells Fargo but was let go, I was currently working with the XXXX modification program but since I was let go they denied that application. I tried to apply through the normal channels for a loan modification but with recently being unemployed I would not qualify. I went to another company called Keep your home California and was approved, they were going to pay my arrears and my loan payment for one year. There were documents that they needed from Wells Fargo and both myself and the company requested it several times. Had Wells Fargo handled the request in a timely manner that loan would have closed and I would still have my home today. Because of their procrastination Wells Fargo trustee sold my home in XX/XX/XXXX, they advised me to go to the court house to see if I could stop it, but ultimately I watched my house be auctioned off. Their lack of willingness to simply send over the documents that were required by the company that was going to help me caused my home to go into foreclosure.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: MD
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was at a event at the XXXX XXXX XXXX in XXXX XXXX on XX/XX/22 and I purchased drinks for {$16.00} once, the second time I tried to purchase drinks my card was declined. On reviewing my bank account I find a second charge that night for {$18.00} which I did not make. I notified the bank of this and they deny my claim because I did not have a paper reciept.

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 2023-12-12
Company: EQUIFAX, INC.
State: KY
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:
My credit file on Equifax has been mixed with someone else. I have submitted XXXX disputes and a CFPB complaint and the issue was not resolved. The rules say I can no list personal information, but my name is mixed with someone elses on Equifax. 

There is a name that keeps showing up on my Equifax report that is NOT mine & was NEVER a name used by me. 

You can review all XXXX of my active credit line accounts, my bank information, driver 's license ( which I submitted in multiple disputes ) to see that the listed name does not belong to me. 

This is not correct and I want this persons name removed from my report immediately. My legal first, middle & last name from my social security number, driver 's license, and all legal documents does not have a single name in common with this person. 

I have attached XXXX documents showing my identity. Remove the wrong name from all aspects and previous Equifax reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: DC
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 WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX WASHINGTON, DC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX  WASHINGTON, DC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2021-06-02
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Received Surplus amount of XXXX, XXXX on XX/XX/21. 
Called MT & T Bank after receiving the surplus check, would have been around mid XXXX. Questioned why I received such a large amount and wanted to make sure everything was paid. 
Was told during this conversation that everything was paid, account was good, and to enjoy the surplus. 
Received property tax delinquent notice on XX/XX/21. Called MT & T Bank again. On the phone 1hr 11 mins Confirmed they did not pay property taxes. MT & T Bank said it was because they looked online and our account is blocked so it was XXXX XXXX Was also told by MT & T bank that I was 100 % tax exempt. Obviously, this is not correct since I received deliquent property tax notice XXXX, Property Tax Supervisor, said I would not pay any late fees accrued and they would expedite this matter since XX/XX/XXXX there were more late fees. 
XXXX, Escrow Supervisor, said Escrow Analysis would be redone after taxes are paid. 
Called XXXX Asked to speak to supervisor because now I can not register my sons vehicle since we are delinquent on our property taxes. On phone 47 minutes Was told there was not a supervisor available and that they tried to call tax office but tax office would not give them information since the account is confidential. Told customer service this was not acceptable and that I wanted to speak to a supervisor. 
Transferred to XXXX, Property Tax Supervisor, she called Kaufman County Tax Office to get payment. XXXX at tax office provided amount for delinquent notice. 
XXXX said she would expedite payment to call back in 5 days for escrow analysis. 
Was told to either provide a bill from now on or unlock are tax account. 
Are account is locked due to husband being in law enforcement. 
XXXX also stated she could not guarantee I would not pay late fees. 
MT & T Bank has been dismissive of my concerns. Not helpful is resolving issues, blaming me and tax office for taxes not being paid. If not for me following up the taxes would still not be paid.. We have had this company for 5 years. Our account has been confidential since then and they have always paid our property taxes and property insurance. We have had this company for 5 years. Our account has been confidential since then and they have always paid our property taxes and property insurance.

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