BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: TD BANK US HOLDING COMPANY
State: MA
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:
Hello, I have an account with XXXX XXXX aka Nordstrom Card Services. They recently reported my account as overdue past 30 days to my credit file and my XXXX score dropped XXXX points. Due to the Covid epidemic, I was visiting my elderly parents for the first time with my children in over 2 years. I have never had a late payment with Nordstrom and I pay my balance in full every month. I used their poorly designed app to make my payment but apparently it did not go through. I did not realize this, because they NEVER sent me an email regarding my statement or a missed payment. They sent me DOZENS of promotion emails encouraging me to spend more on my card, but no notification that anything was wrong with my card. I came home from visiting my parents and received a notice on my credit monitoring that my XXXX score had plummeted XXXX points. I have EXCELLENT credit- over 800+ and was shocked. I immediately investigated and called Nordstrom and they refused to be helpful, lied to me during the conversations about their responsibility and never escalated my situation to a higher level despite the fact that I am a 8 year cardholder with exceptional payment history. I am so incredibly frustrated I will no longer remain a customer. Please help me with this situation. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I used to have an account with XXXX for internet service ( discontinued service over a year ago ). When I disconnected the account, I paid the remaining balance and returned their satellite and router equipment in their own provided box with their provided prepaid shipping label. I mailed the equipment back well within the allotted timeframe from my local XXXX store and was not provided tracking information due to the label being prepaid. I never thought I'd need it anyway, since I've never had an issue sending any other package. 

XXXX made no attempt to contact me regarding the " missing '' equipment until I received a charge to my bank account in the amount of {$160.00} approximately XXXX months later. When I reached out to resolve the issue, no one could get answers as to where my equipment was. This was likely due to the fact that they waited approximately XXXX months to illegitimately charge my account. That also conveniently happens to be the time XXXX is no longer able to retrieve tracking information. I was told a claim was submitted to a supervisor and when I reached out to them again days later, I was told that they couldnt find my equipment and I was responsible for the fraudulent charge. At this point, I had to file a dispute with my bank, who reversed the charge upon completion of their investigation. 

XXXX made no attempt to contact me prior to initially charging my account, no attempt to contact me after the charge was dismissed from my account, and no attempt to contact me before they decided to send the fraudulent " debt '' to a collections agency ANOTHER XXXX months after my bank settled the dispute, so we're now over XXXX year since I discontinued service. 

I can not believe I am being held responsible for a companys poor tracking and receiving practices. Dealing with a collections agency and having to jump through hoops to prove I am not responsible for their failure to find a package is infuriating. I paid everything owed in full and their claim that I did not return their equipment is absolutely nothing short of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX - account # XXXX ), ( XXXX XXXX XXXX - account # XXXX ), ( 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. 1861 SECTION 604 A SECTION 2. It also sates a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
TRANSUNION AND XXXX HAS VIOLATED MY CONSUMER RIGHTS PURSUANT TO THE FAIR DEBT COLLECTION PRACTICE ACT. HIPAA AND THE PRIVACY ACT BY ALLOWING XXXX XXXX  TO BE PLACED ON MY CONSUMER REPORT WITHOUT INVESTIGATION. I XXXX XXXX HAS NEVER DID ANY BUSINESS WITH XXXX XXXX, NEVER SIGNED ANY AGREEMENTS OR CONTRACT. YET TRANSUNION AND XXXX PLACED A COLLECTION ON CONSUMER REPORT. I NEVER RECEIVED LETTERS OR PHONE CALLS STATING THAT I OWE A DEBT.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian & XXXX both failed to repspond to my dispute within 30 days and they continue to report false information about a debt in collections!

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 2023-06-17
Company: Synovus Bank
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:
Hello I have been dealing with this since my release from XXXX when I found out someone was applying for credit in my name. I been trying to resolve this matter I sent a police report but the company refuses to remove this erroneous fraudulent information from my credit report as well as violating my right under 15 usc 1681 a

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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: 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 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 2023-02-21
Company: EQUIFAX, INC.
State: AR
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:
I have a loan with XXXX XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below is the account with erroneous information. XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXXXXXX XXXX  Balance {$24000.00} I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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 did not give permission to anyone to run 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 explanation
Consumer complaint received 2023-01-02
Company: LEXISNEXIS
State: UT
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:
THE ACTION THAT I TOOK WAS TO REQUEST MY CONSUMER AND CREDIT REPORTS FROM THE FOLLOWING CREDIT AND CONSUMER REPORTING AGENCIES : LexisNexis RISK SOLUTION AND XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AND ITS DATA REPORT BROKERS. 
THE SAID ABOVE COMPANIES HAVE NOT SENT ME MY REPORTS AS REQUESTED AS OF YET! 
THEY HAVE NOT RESPONDED AT ALL. 
ACCORDING TO THE ( FCRA ), I HAVE THE RIGHT TO A FULL DISCLOSURE OF ANY AND ALL OF THE DATA IN MY RECORDS AS A CITIZEN OF THIS FINE COUNTRY, THE UNITED STATES OF AMERICA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: SANTANDER HOLDINGS USA, 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:
Dear Sir/Madam, I hope this letter finds you well. I am writing to demand the deletion SANTANDER - XXXX for {$8500.00} from my credit report in accordance with the applicable laws and regulations. The purpose of this demand is based on a recent class action lawsuit settlement and the violations of relevant consumer protection laws. 

As per the lawsuit ( United states v. Santander Consumer USA inc ), Santander Consumer USA was involved in a class action lawsuit due to alleged violations of the Telephone Consumer Protection Act ( TCPA ) and the Fair Debt Collection Practices Act ( FDCPA ). The lawsuit also accused Santander of breaching its own contracts by imposing improper fees. 

The allegations against Santander revolve around its use of " heavy-handed tactics '' in the automotive finance sector, aimed at coercing consumers into paying their loans. These tactics included incessant and harassing calls to the plaintiffs ' phones, which are explicitly prohibited by the TCPA and the FDCPA.

Moreover, Santander 's actions are reported to have violated Article 9 of the Uniform Commercial Code ( UCC ), further underscoring their wrongful conduct. These violations have had a detrimental impact on my credit report, hindering my financial standing and causing severe distress. 

I firmly believe that these violations and the subsequent lawsuit settlement warrant the immediate removal of SANTANDER - XXXX for {$8500.00} from my credit report. The negative impact of these entries on my credit history is unfair and unjust, given Santander 's proven wrongful actions. 

I hereby request that the Consumer Financial Protection Bureau promptly investigates my case and ensures the deletion of SANTANDER - XXXX for {$8500.00} from all major credit reporting agencies, including but not limited to XXXX , XXXX, and XXXX . I expect that this deletion will take place within the legally mandated timeframe to rectify the harm caused to my creditworthiness. 

Please provide me with written confirmation once my account has been removed from my credit report, along with any relevant documentation or proof of the deletion. 

Your attention to this matter is greatly appreciated. I trust that the Consumer Financial Protection Bureau will act diligently to protect consumers ' rights and ensure fair and accurate credit reporting practices. 

If you require any additional information or documents, please do not hesitate to contact me at XXXX XXXX or XXXX. I look forward to a swift resolution to this matter. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/1988 SS # : XXXX Dear Sir/Madam, I am writing to formally lodge a complaint against the following creditors for multiple violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Billing Act ( FCBA ). The attached documentation provides comprehensive evidence of the violations detailed below : FCRA Violations : Incorrect Date of Birth Incorrect Previous Addresses ( Multiple Instances ) FDCPA Violations : XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX FCBA Violations : XXXX. XXXX Account Number : XXXX The violations outlined above have caused significant distress and hardship in my life. These inaccuracies have not only marred my credit report but have also impacted my ability to secure reasonable credit terms, obtain housing, and achieve my financial goals. I am deeply troubled by the fact that the incorrect information has been used to assess my creditworthiness, ultimately affecting various aspects of my life, including my emotional well-being. 

Allow me to share a personal story that exemplifies the extent of the damage caused by these inaccuracies. As I was in the process of purchasing a home for my family, I encountered insurmountable hurdles due to these false accounts and improper reporting. The dream of providing stability and comfort for my loved ones was shattered, and the emotional toll of facing this ordeal has been overwhelming. The stress and XXXX caused by these inaccuracies have strained relationships and created a constant sense of uncertainty in my life. 

I implore the Consumer Financial Protection Bureau to intervene and enforce the legal protections put in place by the FCRA, FDCPA, and FCBA. I request that the relevant creditors promptly investigate and rectify the violations they have committed. Specifically, I urge them to remove the unverified accounts from my credit report, thereby ensuring an accurate representation of my credit history. 

I appreciate your attention to this matter and your commitment to safeguarding the rights and well-being of consumers. I trust that your intervention will bring resolution to this distressing situation and enable me to rebuild my financial stability. 

Thank you for your consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Hello, my name is XXXX XXXX and I am currently dealing with a tribal loan ( Big Picture Loans ) with illegal interest rates. I owe over XXXX dollars for a XXXX loan. If anyone can assist me, it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: DigniFi
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Dignifi has reported an account to my credit that was cancelled and it will show that in their system. 
The account balance is {$3000.00} opened on XX/XX/2022. I have contacted the credit bureaus and Dignifi regarding this matter and they all keep referring me back to each other. This can not stay on my credit. It is fraudulent and hurting my ability to receive credit financing when I need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I disputed an incorrect collection account on Equifax.com on XX/XX/2023 and the investigation was completed on XX/XX/2023. Equifax claims that it was reported correctly, but it was not and is still incorrect. The amount and date of first delinquency are both incorrect. This is also a medical debt that is under {$500.00} and I was under the impression that this type of debt would no longer be included on credit reports, according to the XXXX  website, " In the first half of XXXX, Equifax, XXXX and XXXX will also no longer include medical collection debt under at least {$500.00} on credit reports. '' and this debt was reported on XX/XX/2023 so I do not understand why it is being included.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was being scammed by someone saying that they were the XXXX XXXX. They were threatening me and instructing me to deposit money into an account at Chase bank. In the amounts of {$90000.00} XX/XX/2022, {$220000.00} XX/XX/2022 and {$350000.00} XX/XX/2022. When I found out that the company was a scam, I alerted Chase of the fraud to hold the money and not disperse it. I have found out that Chase let a fraudulent company open a checking account with them and has been allowing them to run fraud through their bank. We have been trying to get them to put a hold on the {$350000.00} with help from my bank XXXX  No one from Chase will give me any updates on the money. I feel that chase did not do their fiduciary responsibility to protect me by opening up fake accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were in forbearance during the XXXX pandemic from XX/XX/XXXX to XX/XX/XXXX for our primary home. We lost our jobs after XXXX of us became sick. Our rental property had to go into forbearance because the renters had the same problem. The renters left without notice and left us trying to pay the mortgage. We had to sell our property under value because that mortgage company was trying to foreclose on that house. We voluntarily stopped the forbearance and agreed to go on a modification plan to put the owed amount on the back of the loan and make regular payments. We paid the three months trial to show that we could make payments. From XX/XX/XXXX up to XX/XX/XXXX for our primary residence, but for our rental property they stopped accepting our payments and just told us they are just going to proceed and expedite with foreclosure even though we were making the payments. We have been making our payments on time waiting for the company to send the modification packages to establish a firm payment history. Instead, the mortgage company kept sending expired forms to fill out and notarize and several of their reps said not to fill them out because they were expired. The mortgage company then changed the verbally agreed modification that would not benefit us and was supposed to send corrected forms. Instead, they put it on our credit report that we were late on our payments and not making payments at all. when they said they would not, and now they are trying to foreclose on our home after they ruined our credit it is so low we can not do a refinance anywhere and missed the deadline for the government modification plans. Our score went from XXXX to XXXX because of their report to the credit bureaus. We believe that they put the payments that we are making to the forbearance owed money and that is why they keep saying we are late when we are not. We have sent a complaint to the credit bureaus and to the mortgage companies to fix their mistake. For the primary, we are in back pay for {$28000.00}, and for the rental XXXX. We are XXXX veterans and can not afford to pay these in full, that is why we wanted to do the modifications. We have sent documents to both companies for review and they still claim it is still under review but at the same time are trying to process foreclosure paperwork. To reiterate, we did not miss payments other than during the forbearance, otherwise, our payments have been on time.

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