BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
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:
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 XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am writing in reference to the following three accounts that I had at the TD Bank branch in XXXX, New Jersey. The total value of all accounts exceed {$25000.00}. 
I. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Savings account number XXXX In XX/XX/2023, I called the XXXX office and spoke with XXXX. I told XXXX I would like to close the accounts. She suggested that I visit the branch. I told XXXX that I do not reside near any TD Bank branches. She then suggested that I sent a notarized letter requesting the accounts be closed. I prepared the letter and mailed it to the XXXX branch on Tuesday XX/XX/2023. On Friday XX/XX/2023, I received a call from XXXX indicating she received the letter and closed the accounts. She indicated she prepared a check and provided me with the following XXXX tracking number : XXXX. 

Unfortunately, the XXXX package did not arrive during the next several days. I input the tracking number into the XXXX Web site on the Internet and I received a response indicating the label was generated on XX/XX/XXXX but the package did not enter the mail stream. On Friday XX/XX/2023, I called XXXX and told her I did not receive the package. I also told her it was not placed in the mail stream. XXXX repeatedly said the package was mailed and told me to file a complaint with XXXX. Needless to say, I can not file a complaint if the package was never placed into the mail stream as indicated by the tracking information. 

Unfortunately, the package still has not arrived and my savings accounts with a total of over {$25000.00} is depleted. For you convenience, I have attached a screen shot of the XXXX tracking information. Your assistance in enabling me to promptly obtain the proceeds from my accounts is needed and will be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent in a copy of my driver 's license & social security card to verify my name and social security number, I asked them to update my profile to reflect my true full name suffix included because they have been mixing my files with other family members who share similar names with mine, I also asked them to remove addresses where I never resided. They updated my profile to show my true birth name as also known as.

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 2023-10-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 explanation
Consumer complaint received 2022-11-10
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Two days to closing and we still haven't received XXXX XXXX - Credit approval, nor had a Closer assigned. I don't know what they're waiting on/for. The appraisal came back on XX/XX/XXXX. Closing is on XX/XX/XXXX. Two months since the purchase contract was signed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: CITIBANK, N.A.
State: NY
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:
Macys account opened XX/XX/XXXX closed unpaid with balance of {$1300.00} and charged off as of XX/XX/XXXX. One Late payment submitted XX/XX/XXXX. And additional late payments being reported there after starting from XX/XX/XXXX to current date. 3 credit disputes through credit bureau 's and through Macy 's directly. Account over statute of limitations to make payments and I 'm pressured to make voluntary payments for account to be accurate. How am I late on an account that has been charged off? XXXX XXXX card had been paid with XXXX balance since XX/XX/XXXX and i am being reported late since XX/XX/XXXX how am I late on an account that is closed and paid?

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 2022-08-09
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-04-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The Department of Education still has incorrect information on my credit report. I have reached out to XXXX  and Experian about the incorrect information. All of my student loans have been consolidated. They are in forbearance. That is what my balance history should reflect also.

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 2021-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to XXXX  on XX/XX/2021 and Transunion on XX/XX/2021 letting these companies know that there are two accounts showing up on my credit profile that does not belong to me and requested that these two accounts be block and removed. I also contacted the creditors furnishing these account on XX/XX/2021 and requested proof of ownership and have yet to receive any documentation. Despite me providing appropriate proof of the identity, copy of an identity theft report, and a statement identifying the information, these companies still did not remove and block the WFC account # XXXX account and XXXX XXXX XXXX account # XXXX from my file as regulated by law. 

According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of 15 U.S.C. 1681c-2

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 2023-08-10
Company: EQUIFAX, INC.
State: NY
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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding multiple issues I've faced with Equifax, including repeated unsuccessful attempts to freeze my credit report and an unauthorized credit inquiry. 

My personal details for verification are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX I made multiple attempts to utilize Equifax 's app to both freeze and unfreeze my credit report. Regrettably, each attempt resulted in technological glitches and flaws that left me uncertain of my credit report 's status. The uncertainty is concerning, given the importance of safeguarding sensitive personal data. In addition, attempts to seek resolution through their phone support were equally unsatisfactory. 

Unauthorized Credit Inquiry : To further compound my concerns with Equifax, I discovered an unauthorized credit inquiry on my report referred to as the " XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). This inquiry was initiated without my consent or knowledge, which is a blatant violation of my rights as a consumer. I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At the start of XX/XX/2022, myself and my fiance disputed the illegal attempt at collecting a debt not valid under Nebraska Law by XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX XXXX XXXX is the proper name of our former residence, not XXXX XXXX. ) I disputed the results with both XXXX and Transunion, as it had not yet reported to my XXXX credit report. After initiating these disputes, XXXX XXXX XXXX XXXX retaliated by submitting the collection account for the illegal debt not valid under Nebraska law with XXXX. 

At this point, it has been removed by XXXX but not Transunion, as, according to Transunion, the debt is valid, yet several pieces of information on the account are incorrect. Firstly, the responsibility for this account is not an individual account, it is a joint account under both my name and my fianc 's, and the original creditor for this illegal debt was XXXX XXXX, not XXXX XXXX, and this debt doesn't have legal basis in the State in which it was claimed, so how could any of the collection have merit? Transunion failed to look at the provided documentation and did not remove this mark from our credit reports, despite XXXX doing so when presented with the same evidence.

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 2019-05-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
THEY HAVE CALLED ME REPEATEDLY AND THREATENED ME AND VERBALLY ATTACKED ME.THEY THREATEN NUMEROUS TIMES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian is violating my consumer rights according to U.S. Code 1666b and U.S. Code 1681a ( 2 ) ( a ) ( i ). I seek information regarding the verification process used by Experian to report late payments on the XXXX XXXX XXXX XXXX Account # : XXXX, in line with U.S. Code 1666b. XXXX XXXX XXXX XXXX NEVER mailed me periodic statements 21 days before the due dates, as required by U.S. Code 1666b, for specific dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I question the inclusion of these late payments in my credit report under U.S. Code 1681a ( 2 ) ( a ) ( i ).

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 2021-06-27
Company: EQUIFAX, INC.
State: SC
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, XXXX XXXX XXXX XXXX, the consumer, has found Equifax in violation of the FCRA for 15 USC 1681a ( 2 ) ( B ). Equifax is reporting on my consumer report information pertaining to consumer credit transactions. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction on my consumer report. The accounts highlighted in the CEASE AND DESIST EQUIFAX should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that Equifax remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. Equifax has violated my federally protected consumer rights and has ruined my reputation via my consumer report which has prohibited me from accessing credit necessary to carry out my personal use and care for my family. Equifax has put me in a very stressful situation by not immediately removing those accounts I have highlighted in the CEASE AND DESIST EQUIFAX document. 

Furthermore, Pursuant to 15 USC 1681b ( a ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' I have given Equifax written instructions to remove the highlighted accounts in EQUIFAX CEASE AND DESIST document that's attached and Equifax still have not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied and was approved for a Santander Ultimate credit card in XX/XX/XXXX. 

From the start there was a never ending series of problems, from issues with the mobile applications, the website, and access to certain information. All of these problems still exist. 

This complaint however pertains to my credit rating, which dropped by almost XXXX points because of the incompetence of XXXX. 

When I set up autopay, unbeknownst to me, there was an issue with the checking account number. There was no easy way for me to see my full account number, so I had no idea that the number was incorrect. It meant that payments weren't being processed by autopay, but even when I tried to pay by phone with Santander, they didn't go through. 

I spoke to XXXX XXXX XXXX in XX/XX/XXXX about the issue, who acknowledged that there was a problem with the account number. I repeatedly tried to contact him, but he never got back to me in order to fix it. 

I tried to resolve the problem with Santander with dozens of calls over the months with no success. They kept on insisting that it was my or my bank 's fault, even though I told them XXXX XXXX had confirmed that the problem was with Santander. 

Eventually, I was finally able to speak to someone who knew how to modify the account number and fix the problem. But it was too late and my credit score was affected. 

As a result, I was turned down for a credit card from another bank.

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 2023-03-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XX/XX/XXXX, XXXX of XXXX  began servicing my mortgage. In less than 2 years, They began trying to adjust a fixed rate mortgage payment by at least {$900.00} per month. They began by stating that the property tax increased, which was not true. Next, It was the hazard insurance and I sent certified letters requesting time to purchase my own. They've never responded to at least 4-5 certified letters I've sent to them. Finally, I was forced into a loan modification in XXXX of XXXX. In addition, all 3 credit bureaus show a 3 year history of late mortgage payments of 30,60, and 90 days. I've never missed a mortgage payment, nor been late. I've, previously, filed disputes with all 3 bureaus without the issue being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-02-11
Company: Tribal Lending Enterprise, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021, I received several emails from loan agencies saying loans in my name were funded. I ignored those messages because I didn't apply for any such payday loans, and I didn't want to be a victim of a phishing scam. 

Then, starting on XX/XX/2021, I started receiving messages from debt collection agency XXXX stating that I had an unpaid balance with XXXX XXXX I have never ever done business with XXXX XXXX  or XXXX for that matter. 

I have emailed XXXX, XXXX, XXXX, XXXX, and XXXX several times stating that I didn't apply for any loans, but they keep emailing me for debt collection.

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 2023-11-24
Company: Porsche Financial Services, Inc.
State: FL
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:
Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of XXXX XXXX after the consumer has notified the consumer reporting agency and provided the required information and documentation. Section 605C of the FCRA and section 1022.142 of Regulation V, specify the documentation and information required to support a request to remove information on the basis that it resulted from XXXX XXXX

Company response to consumer: Closed with explanation