BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-07
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I first discovered I was a Victim of Identity Theft on or about XX/XX/XXXX, I filed an Identity Theft Police Report, I contacted XXXX, XXXX, XXXX XXXX and the creditors and collection companies involved. I thought this serious problem was behind me until XX/XX/XXXX, I was awaken to multiple voicemail messages and emails. My bank accounts, credit card accounts and personal email accounts were compromised. I called my bank, all my credit card accounts and auto loan account. I discovered a person pretending to be me attempted to access all my accounts, they scheduled approximately {$250000.00} in payments from my checking account, they applied for multiple lines of credit and attempted to make additional purchases with my accounts. They changed my login and contact information for my accounts and my email.They created fake email accounts in my name. TD Bank/XXXX is one of these identity theft accounts, I've contacted the credit bureaus and TD Bank/Cartier multiple times with my Identity Theft Police Report and Affidavit of Fraud. XXXX and XXXX XXXX have deleted this account from my Credit Profile, however XXXX continues to report this fraudulent account and TD Bank/Cartier continues to harass me with ongoing collection calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-15
Company: Peoples Commerce Inc
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Pennsylvania Attorney General has investigated 130 complaints concerning XXXX  ( peoples commerce ) and XXXX and the president of the dealerships, XXXX XXXX. 

XXXX has a location in XXXX and XXXX has locations in XXXX and XXXX. 

The lawsuit alleges they sold and leased used cars at inflated prices, used deceptive business practices, and sold vehicles that were not roadworthy. 

" I went to turn the heat on and I smell burning and it was just a loud clunking, crashing noise, '' said XXXX. 

Back in XX/XX/2011, XXXX told reporters that she bought a XXXX XXXX XXXX from XXXX and that in 19 months, her vehicle needed about 10 repairs and they cost her {$500.00} out of pocket. 

That's on top of the {$500.00} she put down and the {$240.00} she was paying per month. 

A XXXX vehicle history report shows XXXX 's car was worth about {$2000.00}. 

However her lease with XXXX was going to cost her {$9600.00} and the car was hers only 3 years. 

They also said that they are helping customers with subprime credit who would not be able to purchase a car at other dealerships. 

The former attorney general believed there are other victims of these alleged scams who have not yet filed complaints. 

Well I AM NOW!!! This very same situation happened to me and I returned the car voluntarily to them, 72 % of the balance was already paid and I paid the remaining 18 upon returning the car. 

They have been reporting it as a repossession which is not true because they Have both the car and my money. I want this off of my record considering this organization has proven to be fraudulent In their business practices. 

If they refuse to comply then we will go to the Pennsylvania Attorney Generals office to initiate a new investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I have been writing to the second mortgage lien holder of the above referenced property since XXXX, XXXX, which is TD Bank. I have been requesting the accounting for the Home Equity Line of Credit since I last paid for it in XXXX. I went through a XXXX  XXXX bankruptcy and thought the Home Equity Line of Credit had been dismissed through the bankruptcy process and I received a loan modification. When I went to sell it earlier this year because I am having financial difficulties in paying this loan, TD Bank sent a payoff charging for interest since XXXX. I could not sell the property because I would have to bring money to the closing table. TD Bank has never attempted to collect this debt. I have been writing to TD Bank since XX/XX/XXXX and sent them three Qualified Written Requests. To date, they have refused to respond and provide an accounting of the home equity line of credit. I need to sell this property so that it does not damage my credit and need TD bank to cooperate with me in discounting what is owed. At this time, TD Bank has not received any payment and will not receive payment if the property is foreclosed. I am attaching copies of the three letters sent to TD Bank via certified mail along with the USPS confirmation that the letters were received. I need to sell this property to keep it from damaging my credit and would appreciate a response from TD Bank to see how we can move forward and resolve this issue. The first lender, XXXX, is already beginning foreclosure action against me. I have attached copies of my letters to TD Bank along with the US Postal Service confirmation that the letters were delivered to TD Bank. Any assistance in having TD Bank communicate with me regarding this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: MD
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:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly, I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-16
Company: Monarch Recovery Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have not received any documentation about this supposed debt that I owe to this debt collection company, but they just recently called my office and left a message with my boss. They have contacted me prior and threatened to sue me but refuse to tell me what debt this is for and how much I owe. They are breaking many, many laws with their scare tactics and they're trying to collect on a debt that is past the statute of limitations for the state of Illinois. There are several lawsuits out there against them currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: DRIVE NOW ACCEPTANCE LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The loan payment is due every other Friday. We make the payment at the time we're supposed to. The man on the loan is a truck driver so most of time he's out on the road. I accept responsibility for making on time payments. I also work and most of the time I take care of the payment in the afternoon on my lunch. Every single time on the day the payment is due we get phone calls and texts from the same bill collector regarding the payment due. I confronted him and asked why he does this when the payment is nit late. He responded with " because it's what I'm paid to do ''. I told him not to call me when the payment is not late. He responded with, " you don't pay me so I don't listen and do what you want me to do. '' I asked to speak with his boss and he said his boss wasn't there. I want something done as far as I believe this is harassment and bullying for a payment that isn't even late. When we would have been a day late at one point, he threatened us that before we got to the bank to send payment we wouldn't have a truck to pay on any longer. This needs to stop or we'll deal with this company a different way. Their practices are too overreaching, unfair, rude, non professional and nasty. They don't treat you as a human being. Then, you can't make your payment at the car lot even though they're all the same company either. You have to make it online and they charge another {$4.00} for the fee on top of your payment. It's not good business in any way.

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 2021-06-07
Company: EQUIFAX, INC.
State: GA
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 submitted serval complaints about my reports not reporting 100 percent accurate I errors which are FCRA violations. I would have to have to file and take this matter to the next level.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had 2 Private Student Loans with Navient and I was forced to get a co-signer, my step-son, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The loans originally were with Sallie Mae. They forced me into Forbearance and loans kept incrementing. XXXX XXXX XXXX XXXX XXXX In XXXX - XXXX I was diagnosed with a serious health condition and wages were reduced due to so many not covered surgeries. In XX/XX/XXXX I was forced into XXXX XXXX Year after year I would try to get the co-signer released prior to my surgeries. After XXXX XXXX I also tried to get my step son off of the loan because he was in the process of purchasing a home and the loans were preventing him from purchasing a home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had to file for divorce from my spouse of 20 years and had to refinance my home and add XXXX of the funds of the house to pay off the loans so that my step-sonXXXX  a XXXX, would be removed from the loan and the accounts would show he had XXXX on his credit reports a requirement to get 1approved for his XXXXXXXX XXXX Loan to purchase a property. I made numerous complaints to the XXXX Navient, the Atty General of my state and to CFPB. Nothing was done. I was duped by Navient. According to Navient they release the Co-Signer for on time payments of over 12  months & the following. 1 ) Proof of successful graduation, 2 ) Proof of Citizenship and 3 ) Proof of Income. Of course they refused time and time again to release my XXXX XXXX XXXX, from the loans negatively affecting his creditworthiness. Furthermore, they forced me to pay the PRIVATE LOANS which were listed in XXXX XXXX. Per your website, the Bankruptcy Code provides and that loan owners, lenders, servicers, and debt collectors honor that relief when a bankruptcy judge discharges a consumers debts. Navient did not honor the XXXX XXXX  and I did not want to negatively affect my Stepson 's credit and had to pay off the loans with monies I could have repaired my home after XXXX XXXX XXXX. This of course caused undue hardship since Navient 's action caused me undue hardship and increased my Mortgage by XXXX. Navient has had multiple lawsuits against them for their inaction. They did not send me any refund or anything after misleading me. They should not have forced me via duress to pay off the loans knowing they constantly misled me and failed to report payments to the bureau. Something stated in several class action lawsuits. I am attaching evidence of everything I am saying and my stepson ( cosigner ) evidence he is a XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Experian Information Solutions 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:
I have tried on numerous occasions with XXXX XXXX to get this fraudulent account that's reporting {$170.00} from 2014 on my credit, tarnishing my name and misrepresenting myself as a consumer in society. I've been told numerous times that the item should be removed within 30 days in the last 6 months and it still resides on my XXXX credit report. This account was never opened by me and does not belong to me. I am a XXXX XXXX veteran and can not live my life the best I can with this item hurting my credit.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$7900.00} ; XXXX XXXX  XXXX Balance : {$7700.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX  XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$3500.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 2023-01-17
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo took my home of years from me around 2017 and i was making my payments, they applied my money to another account number, please look into my problem because ii did everything i could to save my home and Wells Fargo gave me the run-a-round i ever have paperwork to prove it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ i XXXX in the same house but the address was changed and so was my account number, can you tell me what happened because as of today i am devastated they thru me out as well as my daughter, please help me make sense of this!! 

i can give accounts number when requested Thanks 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 2021-10-22
Company: ALLY FINANCIAL INC.
State: AL
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:
XX/XX/XXXX Inquired with XXXX at XXXX about selling my vehicle. He called Ally on speakerphone to obtain a 10 day payoff quote. They told him that they only do 7 day payoff quotes. They gave him a quote for XXXX and said they would release the title within 7-10 business of receipt of the full payoff amount. 

XX/XX/XXXX Came back to XXXX to make the final sale. They issued me a copy of the check for XXXX and XXXX ensured that the accounting department would send it to Ally within the 7 days. 

XX/XX/XXXX Payment posted to Ally account for {$42000.00}, account paid in full 100 %, balance XXXX. 

Approx. XX/XX/XXXX Payment still showing posted to Ally account for {$42000.00}, account paid in full 100 %, balance XXXX. Reached out to Ally and was instructed that my account was paid off and the issue was being sent to a care specialist to correct the issue and set my account at a XXXX balance. The rep told me that my title should be received in about 10 business days after he verified that all my information was correct. 

Approx. XX/XX/XXXX Reached out to Ally via their message board : Received a XXXX payoff quote on XX/XX/XXXX. Sent full amount via check on XX/XX/XXXX. Payment posted to account on XX/XX/XXXX. I have called your company numerous times and there has been no resolution. Why is there still a remaining balance of {$82.00} on my account? 

XX/XX/XXXX Ally now says I have a payoff for approx. {$920.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to submit disputes with Equifax via Phone, Fax, and postal mail for a XXXX  XXXX XXXX account which is being reported on my profile that is not mine. I called Equifax again on XX/XX/2023 at XXXX XXXX EST. I spoke with a representative named XXXX for XXXX mins on a recorded line to resolve the ongoing issue. XXXX assured me that the account would be deleted and suppressed ( Confirmation # XXXX ) as he went over the documentation I faxed over to verify the account did not belong to me. XXXX placed the call on hold for XXXX mins then returned stating he could no longer hear me. I was able to hear him and my connection was clear. When I called back to speak to another representative the Equifax automated system suddenly was no longer able to verify me with the same information which I used to speak to the previous representative. I am also now no longer able to file disputes online for any account as my access is blocked. The fraudulent accounts and inaccurate information on my Equifax report are due solely to being the victim of their XXXX data breach. Equifax has tried to send me a settlement of {$44.00}, I would prefer if Equifax would properly update my profile. Equifax 's reporting practices go against the FCRA guidelines as the other XXXX credit bureaus do not report any of these inaccuracies. I have provided Equifax with FTC reports, Police Reports, and valid documentation from creditors proving what they are reporting is incorrect, yet Equifax fails to update my profile. I would like all inaccurate information to be deleted and suppressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$810.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and XXXX XXXX, XXXX Account # XXXX have 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. XXXX has a totally different credit profile on annualcreditqreport.com. Also, I have provided proof of being a victim of identity theft. I have filed a complaint with XXXX  and my next actions will be to have an intent to file a lawsuit.

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