BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-07-25
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2022, XXXX XXXX furnished on my credit reports with Equifax, XXXX, and XXXX that my account with the number XXXX XXXXXXXX was charged off. According to the IRS, when a debt or an account is charged off the account needs to be reported as income by the lender and borrower. If this account is supposed to be recorded as income for tax purposes then by default it is inaccurate to be furnished on my credit reports as these reports do not furnish income. I sent letters to the credit reporting agencies Equifax, XXXX, and XXXX to have these inaccuracies corrected but have not gotten this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31
Company: T.S. Holdings
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX, I called the collection agency ( IQ Data International Inc. ) about an undated amount for my debt. I had went back and forth with the original creditor to get an updated amount because of previous negotiations. They collection agency gave me the updated about and continued to negotiate a pay-to-delete for XXXX. They stated that if I wasnt able to pay the balance by XX/XX/XXXX to call them and let them know. I agreed. I called back not 10 minutes later and told them that this agreement wasnt going to work. And they countinued to pressure me to ask family members and collect it somehow by the XXXX. I agreed and was told that if I can not make the payment by the XXXX, to call them and they would cancel the pay-to-delete and we would go to a payment plan. I agreed. On XX/XX/XXXX, I paid on the account {$1000.00} leaving a remaining balance of {$2300.00}. From that time till now, I have tried to come up with the money but things happened in our personal life and we werent able to pay the balance, even taking out a loan. In this amount of time I called the collection agency twice and the line went dead. I dont know if it was my phone or theres. Then on XX/XX/XXXX, I am called by the agency and from the start they attacked me for not paying. I tried to explain my situation and tried to get on a payment plan but they continued to ask where my money is going and being very unprofessional. She continued to say things like my amount could go up and that this would put some type of hurt on my credit. I asked for a manager and the manager was even worst with being unprofessional and yelling at me. I felt attacked from the moment I answered the phone so I reacted how they reacted and nothing really got resolved. I just found it really disturbing that at XXXX, I am being called and yelled at and questioned left and right. And from my phone records, this has been the first time they even tried to call me. That is harassment. They have recorded lines, so you should be able to here my frustration. This has effected me and my fianc emotionally, and it is a debt on both our accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TD BANK US HOLDING COMPANY
State: CA
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: Problem with personal statement of dispute

Complaint:
I was not able to pay on time due to my husband being XXXX XXXXXXXX after a work accident. Then Covid happened and I was still not able to pay the balance due to my hardships. Then I finally saved enough to pay the balance and Target told me if I paid they would delete it off my records. After paying they are not agreeing to what they had said that if paid in full they would delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Delta Outsource Group, Inc.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Delta outsource group contacted me on Friday XX/XX/XXXX in reference to a debt that was sent to them to collect on. I attempted to inform the representative that I had no knowledge of debt and that I would like more information mailed to me. The representative said she wouldnt send any information unless I provided her my information that she would need in order to try and use it to claim I owed this debt I knew nothing about. 

I notified the company in writing of my requests that they provide documentation of this debt. I have received more phone calls every day since XXXX XXXX and nothing in writing. The agent today XX/XX/XXXX called and I explained u have not been provided any documents that suggest I owe a loan and she acknowledged that my request for these documents was received. The agent then started to get angry and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 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 : # has violated my rights ( 15 ) U.S.C 1681 SECTIOM 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 WRRITTEN INSTRUCTIONS.

( 15 ) U.S.C 1681 C. ( 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 than seven years.

15 U.S.C 1681 s-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 2020-12-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account in late XX/XX/XXXX with two promotions attached to my account. " Receive direct deposits of {$2500.00} or more within 60 days of opening your [ checking ] account to earn a {$300.00} bonus. '' and " Deposit {$20000.00} or more in new money [ in your savings account ] within 20 days and maintain that balance for 90 days. '' Both terms of the account bonus were met. I received the savings bonus in XX/XX/XXXX. However TD Bank is refusing to honor the checking bonus because I had a checking account that was closed in XXXX. More specifically, a customer service representative said that TD Bank looks back 7 years for accounts. The terms and conditions of the bonus address this, however TD Bank is refusing to honor their own terms. 

" Checking offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria '' The exact wording and full terms can be found in the attachment. 

Similar language can be found on their current promotions page, which I assume they are also not honoring for other customers : https : XXXX I did not have a prior personal checking account at TD Bank within the preceding 12 months, so I should be eligible for this bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: National Credit Systems,Inc.
State: AR
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX, a federally protected consumer, and I am making this complaint against ( National Credit System ) for committing identity theft. I have never given ( National Credit System ), any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with ( National Credit System ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving ( National Credit System ) any right to collect on this alleged debt. I have never received any documentation requesting validation from ( National Credit System ), before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( National Credit System ), can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( National Credit System ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( National Credit System ), continues its collection efforts, I will file for litigation for actual damages caused and, ( National Credit System ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Mohela keeps placing my loan in forebearance although I specifically contacted them and told them not to. They are not applying interest hoping to capitalize my interest. They are also posting payments late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: SLM CORPORATION
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2020, I called Sallie Mae as they had charged the wrong account on file for my loan payments. ( 5th time this has happened ) Following this on the same date I called and requested a refund in the amount of XXXX $ as my bank had hit me with huge overdraft fees as this account is rarely used. The agent I spoke with did not collect the necessary information and did not follow up with me nor did the company as a whole so when I called again on the XXXX, after being told I would here back within 3-5 business days, it was very frustrating to find out the agent did not at all take the necessary information to process the refund. I then sat and waited on the phone for 1 hour 37 minutes talking to a women who then went through the refund with me step by step. After this I called once more on todays date XXXX, and received news that the process still hasnt been approved. I then sat on the phone with a member of their escalations team and she claims that the amount I am owed has somehow been cut in half? This has been a routine with them, taking more money then they should month after month. And when they mess up they take weeks to make it right. This company is ruining lives and needs to be held accountable.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
We called Bank of America on XX/XX/2023 after receiving a letter about unauthorized escrow payments to insurance company ( s ) that we did not authorize. 
We cancelled a policy with XXXX XXXX on or between XX/XX/2023 and XX/XX/2023 ( My husband has the email ). verbally and via email.. 
I we also informed XXXX XXXX that we cancelled and secured other home and auto insurance. 

We spoke with Bank of America, which is our mortgage payment servicer, today XX/XX/2023 We did not authorize XXXX XXXX to renew our policy as BoA ( Bank of America ) informed me that this change of insurance, from XXXX of XXXX, which we changed on XX/XX/2023 for our home and auto policy, was placed in effect on XX/XX/2023 and was also made retroactive back until XX/XX/2023 after XXXX XXXX contacted Bank of America to make these changes. 

Bank of America also stated that this policy was activated XX/XX/2023 and they sent a payout to your offices on XX/XX/2023. 
We did NOT authorize Bank of America nor XXXX XXXX to make these changes nor did we renew our insurance policy with XXXX XXXX. 
Our policy with XXXX of XXXX  has been in force for our home and auto insurance since XX/XX/2023. 

Upon speaking with the Bank of America Representative, XXXX, she did acknowledge that the XXXX policy was in effect on XX/XX/2023. 
She said Bank of America made the change and removed our XXXX XXXX on XX/XX/2023 and they placed XXXX on the home insurance policy on that same day without our authorization. 
The Bank of America representative ( XXXX XXXX also said that our mortgage payment would be increased to cover the policy that XXXX had placed in force, without our consent or authorization. 

XXXX also said the call that we/my husband had with her today was recorded and the recording item number is XXXX. 

She also stated that their was no information that she or Bank of America could send to me or my husband the the recording number is all I could get. 

She admitted the changes to the policy were made and that she could find no authorization from me or my husband XXXX that we authorized these changes. 

The remedy for this is that XXXX XXXX and Bank of America need to reimburse me and my wife XXXX for this fraudulent transaction, breech of contract and credit and insurance fraud that occurred without our express verbal or written authorization to continue this policy which should have been cancelled XX/XX/2023 - XX/XX/2023, as we did not pay XXXX XXXX for coverage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: IL
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The items are listed below : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  Balance : {$0.00}XXXX XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXX Balance : {$25000.00}, XXXX XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$840.00}, 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 2023-10-19
Company: EQUIFAX, INC.
State: IL
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 have disputed this negative account on my credit reports due to identity theft multiple times. The company is stating that this account belongs to me and verifying that its mine from a checking account payment that does not belong to me as well. My personal information was used by someone other than me for financial gain in any and every way possible. I have been working to repair the extreme damage they have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I purchased items from XXXX using Afterpay as my payment method. I returned the merchandise over a month ago and Afterpay is still holding on to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
The online website keeps saying my account is suspend and Ive called and was sent to tech support and was told they would email me to reset and I havent heard anything!

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 2020-12-22
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw an account from Southwest Credit Systems for XXXX in the amount of {$640.00}. I lost my job and became homeless. I have saved money since working part time. Im able to offer {$300.00} for to settle for a deletion.

Company response to consumer: Closed with explanation