BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-30
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have had {$100.00} in a TD Bank checking account for multiple years now. The bank will not allow me to close the account nor withdraw my money. I opened the account in XXXX, but currently reside in XXXX   state. The bank insists that I come into a branch personally to close my account, but there are not branches in XXXX state. 

Presently my account has been marked as " inactive '' due to inactivity, preventing me from accessing the funds via debit card or check. I have called both the branch I opened the account with and the national customer service line multiple times without resolution. 

I just want to close the account and have them send me a final check for the balance. 

Thanks for looking into the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-20
Company: EQUIFAX, 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:
I was incarcerated from XX/XX/XXXX to XX/XX/XXXX and during that time XXXX fraudulent loans were opened in my name from XXXX XXXX XXXX XXXX. XXXX account was a personal loan Acct # XXXX opened XX/XX/XXXX and the other is an auto loan acct # XXXX opened XX/XX/XXXX. I have contacted XXXX XXXX XXXX XXXX to dispute these fraudulent accounts. I have also disputed these fraudulent accounts with Equifax, XXXX and XXXX but have yet to receive a reason why they have not been removed from my credit file. I have also sent them a police report and identity theft affidavit. This has gone on far too long. Please help to remove these fraudulent accounts from Equifax, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: DE
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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-11-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received a credit alert that a hard inquiry was reported on XX/XX/ from JPMCB card. I have not applied for a new card and no one has my personal information to do so. This is a fraudulent inquiry/card if an account was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: FL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2016-02-16
Company: Solidus Group LLC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I was called on XX/XX/2016 by a gentleman who left a very aggressive voice mail threatening litigation if they could not reach me. They did not leave any company name or case number. On XX/XX/2016 the same company contacted my son XXXX XXXX, who lives out of state, looking for me and threatening court action. The name of the company is XXXX XXXX at XXXX. Since I do n't owe anyone any money, and all of my debt was discharged years ago, I googled the number. From the on-line comments this appears to be a very aggressive scam operation. They will not provide any information on debt owed or their company and instead demand personal information including SSN. I have blocked them but am afraid other people may unwittingly be scammed.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Starting in XX/XX/2022 I sent certified dispute letters to have a bankruptcy removed off my credit file reference # XXXX with XXXX and Experian that does not belong to me or have my last on it. XXXX and Experian are the two credit bureaus who are refusing to remove it XXXX has removed it. The excuse that XXXX and Experian are giving is that they validated it by the courts. I contacted the courts and gave them the letter from the courts stating they don't give public record to the credit bureau. They are violating and not complying with FCRA 611 ( U.S.C 1681.

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 2023-12-20
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX XXXX account 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 instruction. 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 explanation
Consumer complaint received 2023-11-01
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2023 the NJ court officer requested funds to be held on my personal checking account be held on a very old past debt. These funds are protected by law as they were my unemployment benefits which have since been depleted. I have attempted by phone, fax & mail to have these funds be released back to me and no one is assisting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. I am a victim of XXXX data breach 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above. 
2. Provide me with written confirmation of the results of your investigation. 
3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights. 
4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made. 
6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/23 I received an alert that an account was entered on my credit report by Southwest Credit Systems. I have never verbally spoken to this company or received any written documentation from them. I am aware that this is a violation of my rights. According to the FTC, a collector has to give you validation information about the debt, either during the collectors first phone call with you or in writing within five days after first contacting you. Therefore, i demand that this entry be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: MI
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-03-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In reference to student loan application id XXXX : On XX/XX/2023 I applied for a student loan on the Citizens Bank website. I was initially approved for {$76000.00}. After speaking with a representative at ( XXXX ) XXXX I was informed that the website was transitioning to an update and that I would need to re-apply. I expressed concerns that this was not advertised on the website and I already had my credit pulled and inquiries as a result. I was concerned that due to the inquiry, another inquiry might lower my creditworthiness or that I could potentially be denied for the loan all together if I had too many inquiries in a short time. I expressed this concern to XXXX XXXX at the Office of the Chairman and requested if either scenario happened if the bank would honor the previous approval due to the circumstances. The concerns and worst-case scenarios did not happen. I was approved, but now I am having difficulty finalizing, reviewing, and accepting the terms of the loan as the Citizens Bank website is not allowing me to access my loan documents. Citizens Bank has a regulatory and ethical obligation to provide loan documents upon approval. I have escalated this to XXXX  XXXX XXXX and she has escalated to the IT department for further review. At this time I still have no solution and am receiving an error due to the system being transitioned and or updated. I am a current student and need access to both my documents and funding soon as possible. This is a violation of the Dodd Frank Act. markets for consumer financial products and services operate transparently and efficiently to facilitate access and innovation. '' Due to the lack of accessibility and transparency I allege this offense to be valid and will continue to share my experience with other federal regulators. 

I also request the original inquiry on the first application be removed from my credit report as a result of the lack of transparency in the application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company reached out to me by mail informing me of a debt I have with them. Ive never done business with this company so Im not aware of what type of debit this is.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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: Information belongs to someone else

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 XXXX filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Refer to Case XXXX Pursuant to the Fair Credit Billing Act, ( 15 USC CHAPTER 41, SUBCHAPTER I, Part D ) I have not received the following : 1 ) The transaction number / Order number for the transaction 2 ) Itemization of the items being charged for 3 ) The amount of the items 4 ) Total amount of the order 5 ) Method of delivery, phone number ( s ) and email ( s ) of both transactions Documentation was previously received, however it was not legible. No notice was received by me requesting reply to company response.

Based on the above, I kindly request that the complaint be reopened until the above is received. 

Files were upload to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-11-06
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To whom it may concern my name is XXXX XXXX I received a notice from my bank XXXX XXXX years ago stating they were asked to take all the founds out of my acct ( XXXX XXXX ). When I asked my bank they informed me to contact the clerk of courts. upon contacting them I was shown how to complete paperwork to submit to the courts. Now this company named ( Midland Credit Management ) ( XXXX ) act # XXXX has contact my job to garnish my wages, I was told to go to the courts and submit the same paperwork again. A. court date was sent that no one informed me about, I need help I am being told a credit card open on XX/XX/XXXX with a charged off date XX/XX/XXXX with a current judgement principle XXXX, current interstate of XXXX with current cost of XXXX total of XXXX. This debt doesn't belong to me and this is all the information this company in sending me can you help me please XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: NAM National Arbitration and Mediation
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call from ADR Group located in California ( XXXX ) XXXX. One of the clerks on the phone did not identify themselves.The clerk verified me by a last name I had not used since XX/XX/XXXX and last XXXX of my social then told me I owed {$540.00} to XXXX from an account that was open from XX/XX/XXXX to XX/XX/XXXX. I have not had an account with XXXX. I told the clerk that and she said it did not matter because she had my information and the debt was mine. She said they are going to take me to court and I can try to fight it there. I told her I live in Texas and the statute of limitations to sue someone for a debt is 4 years under The Texas Debt Collection Act. She seemed a little confused, and I told her they should be familiar with the laws for the state in which they are trying to collect a debt, even a false XXXX. She said it did not matter and I would have my day in court. I have received nothing in writing from this business. I spoke to a gentleman at the Texas Office of Consumer Credit Commissioner and he informed me for this business to attempt to collect a debt in Texas, they have to follow Texas laws and register with the Secretary of State and pay a {$10000.00} surety bond. He stated he could not find ADR Group having registered. I feel like this business is trying to bully me into paying for something that is not mine by using illegal tactics and I feel they might be doing it to others as well. I tried to contact the company again and they put me on hold and would not speak to me.

Company response to consumer: Untimely response