BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-31
Company: Pendleton Capital Management
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:
I settled my credit account through a third party company Pendleton Capital Management and the main creditor XXXX XXXX XXXX. I filed a dispute with XXXX and the results was that my account will still remain as charged off when I have proof stating that my account would be reported to the credit bureau as settled and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated XXXX  XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXXXXXX per the XXXX opinion.

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 2022-11-13
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX the XXXX XXXX XXXX XXXXXXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. 
I do not owe any debt or any alleged debt. 
I also refuse to be an implied surety/debtor. 
These are few of many violations done on my good name ; which breaks the law. 
NOTICE TO CEASE AND DESIST stop all COMMUNICATION any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report ( bearing Information regarding the alleged debt ) See 15 USC 1692c ( c ) See attachment with cease and desist request : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Nothing, I was a victim of identity theft and someone has stolen my identity And us it for fraudulent charges without my knowledge and I did not receive any money or no compensation for my identity that was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have a HELOC with TD Bank that I'm looking to have paid off and closed. 

I requested information from the bank for how to get a Verification of Mortgage from TD. 

I received a response bank from their digital team with instructions. 

I followed the instructions provided and the loan processor sent in the verification request. 

The f

irst 3 requests did not get a response. The 4 request I was told, could not
be processed due to not having a specific verification form filled out. Even though the instructions provide to me by TD Bank originally stated I just needed to send them a letter. I spoke to a representative who repeatedly told me that a letter is not acceptable and that I need to have the specific form signed and resend it in to her attention and she would call if there were any problems. 

I called 2 days later after not receiving a call from the representative asking for the status of the document and was told that since my signature on the request does not match the original document from 2018 they can not process my request. 

I explained that my signature has changed since then and what can I do to get this corrected, they stated that without a signature match there was nothing I can do. 

I understand that my signature is not the same as 2018, but I still need my verification of mortgage request completed somehow. TD Bank as a company is unable to tell me what I can do to get this requested resolved. They are giving me no other option to get me verified so that this VOM can be sent. 

I have been verified by TD over the phone, through their VoicePrint service and the secure text codes, so they are able to verify who I am. 

After speaking with numerous representatives it appears that no one is able to assist. I have been told we can " try this or try that '' but no one can tell me what needs to be done to get this processed. I've received different answers from most of the representatives I spoke to. 

The bank is causing me financial strain as I am trying to make these payments each month and the payments have increased significantly due to interest rates. 

I feel as if TD is intentionally delaying the payoff and closing of my loan so they can continue to collect the high interest payments from me and keep this loan on the books. 

As a top US Bank TD should have clear and simple instructions to provide to a customer when handling their requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: Conduent Incorporated
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Ive contacted Way2Go on several occasions and they stated there records do not show any mismanagement of funds on my account nor have I been overcharged by several companies. This is completely false and clearly shows that certain companies have credited back their Processing hold on my account. Theres over {$600.00} now being held under processing in which Way2Go, Conduent, refuses to release the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: LA
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 recently wrote to XXXXXXXX XXXX XXXX, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXXXXXX XXXX continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX XXXX, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate and inconsistent. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXXXXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that XXXX XXXXXXXX XXXX violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether the account is verified or not ; it has become a compliance issue ; which XXXX XXXXXXXX XXXX is seemingly willfully noncomplying. Furthermore, XXXX XXXXXXXX XXXX continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXXXXXX XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, XXXX XXXXXXXX XXXX continues to falsely verify as accurate. This has to stop at once!

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 2022-02-09
Company: Atlanticus Services Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Around XXXX of XXXX, i contacted the company to ask for Covid Relief programs they may have as I had lost my employment and didn't know when I would return to work. I was informed they would see what programs I qualify for and that they would contact me with further information. 

In XXXX of XXXX, I realized I was still being charged over limit and past due fees. I called again and was assured that my account had been closed in good standing. I reiterated what I had been told, that my account had been closed in good standing and that there is no balance. I was assured that that was the case. I destroyed my card and was thankful, thinking that that was the end of it. 

On XX/XX/XXXX of XXXX, I called again as i was still being assessed late charges and over limit fees. Again i was assured the account was closed and would no longer be charged fees. 

I called again in XX/XX/XXXX, as my account was still being charged and now had a balance of {$540.00}. {$140.00} ove rlimit fee and an interest fee of {$14.00}. I was assured that the card is closed and that all fees would be credited back. Please understand that the last time I used this card was XX/XX/XXXX. 

I called again today, XX/XX/XXXX. My balance now {$420.00} with a late fee of {$20.00}. I was charged a late fee in XXXX XXXX of {$10.00}. a late fee in XXXX of {$20.00}. After XXXX, the agent hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-22
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
this is now the third complaint because they keep stating different things in the initial complaint XXXX they stated that my XXXX account ending in XXXX could stay open because it was opened after the original filling and the conversion to a chapter XXXX bankruptcy. then I filed another complaint stating that my XXXX , XXXX XXXX, XXXX account would follow the same as the XXXX 'XXXX account opened after the initial filing and the conversion of the Chapter XXXX bankruptcy. complaint # XXXX however you are now stating that is not since the account were open prior to the Bankruptcy yes they all were opened around the same time. XXXX was opened XXXX, XXXX XXXX XXXX XXXX, XXXX 'XXXX XX/XX/XXXXand XXXX XXXX XX/XX/XXXXso you can see all account were opened after the initial filing of the chapter XXXX bankruptcy. They are stating than they account ca n't be re-opened because they were opened after initial filing and then a conversion took place they need to be closed. However please note that you have conflicting information from one letter to the next. Being that the XXXX account was opened after initial filing and conversion. All accounts were closed/suspended at one time and then in XXXX I was informed to fax over discharge to show no accounts included and all accounts were re-opened after conversion so I am beyond confused as to why you are now telling they need to be closed. There were even credit line increase given after the accounts were opened in XX/XX/XXXX. If you feel that all accounts need to be closed because of the conversion please quit sending statements as I will than consider all accounts included in bankruptcy and stop making the payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: IL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and repair these right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/2020 After recieveing another ATTEMPT TO COLLECT A DEBT LETTER dated XX/XX/2020 I called USAA Asking If the USAA Temporary Credits list as Adjustment Purchases What do Permanet Credits list as on my Statements? How will I recognize the {$4000.00} plus Temporary Credits Listed as Adjustment Purchases BE MADE PERMANET FOR THE IDENINITY THEFT ON MY ACCOUNT XXXX puts me on hold immeadetely after I waited 45 mins call is then dropped. I call back XXXX answers He is very annoyed with me calling I explain IF I WAS PROVIDED ACCESS ON LINE I would not need to call I ask WITH ADJUSTMENT PURCHASES BEING TEMPORARY USAA CREDITS What will the PERMANET USAA CREDITS list as SO I CAN FIND THEM ON MY STATEMENT XXXX answers he dies not know. I ask him to please find out He responds why You do not have an account with us. I ask Why are you harrassing me with attempts to collect? XXXX answers, I'm not trying to collect from you. XXXX 'S LAST RESPONCE YOU BETTER GET AN ATTORNEY. USAA has been sent the Ideninity Theft Report THEY ARE AWARE BUT IGNORE. USAA NEVER ANSWERS WITH ANY PROOF TEMPORARY CREDITS WERE EVER MADE PERMANET Showing on my statements as PERMANET CREDITS. USAA ALSO HAS COPY OF CRIMINAL INVESTIGATION MAIL FRAUD NO DELIVERIES MADE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX I have lived at this address for over 2 Years, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease XXXX Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX

Company response to consumer: Closed with explanation