BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
I contacted TD Auto Finance to setup autopay on my account and due to a glitch in their system, the account was never placed on autopay. I never received any phone calls from TD Auto Finance letting me know that the account was past due and that the autopay was not in place when it was supposed to be, resulting in my account being notated as delinquent 30 days for XX/XX/2021. I made attempts to contacted TD Auto Finance to delete this negative information off of my credit report, due to their representatives error in not properly placing my account on autopay. I did not receive a response from TD Auto Finance and then proceeded to send them a letter with another request to have the negative information deleted off of my credit report. They did not respond to my letter either.I am demanding that the XX/XX/2021 late payment reporting on my credit be removed, as it is tarnishing my perfect credit history and causing me unwarranted financial hardship, which TD Auto Finance is responsible for. 

Please send me confirmation that this is being removed immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I disputed a collection on my Transunion credit report over 60 days ago, and for Transunion to provide a Reasonable Investigation and Account-Level Documentation for debt collector XXXX XXXX XXXX XXXX XXXX allege debt of {$300.00}. In addition to my dispute I requested Transunion to provide original purchase contract and verify the following on the original purchase contract : Name, Address, Phone Number, Date of Birth, and Signature. Transunion did not provide original purchase contract or Validation of Debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA that Im legally obligated to pay this allege debt. Transunion failed to uphold 15 U.S. Code 1681s-2 and fraudulently stated this debt meets FCRA requirements. Transunion willfully and knowingly executed non-compliance as per FDCPA 807. False or misleading representations 15 USC 1962e.

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 2020-07-07
Company: DISCOVER BANK
State: AZ
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:
In early XXXX, my daughter called me and told me that my ex-husband had left and was not picking up his phone. I went and picked her up and we tried to find him. At that point, we received a 'XXXX  ' note from him. In the note, he claimed that he had taken a loan out in my son 's name. We immediately filed both a missing person 's report with XXXX XXXX PD and a police report for identity theft against my ex-husband with XXXX XXXX, AZ PD. My son and I promptly checked our credit reports. My son found a loan for XXXX dollars from XXXX XXXX, and I found several credit cards under my name that were maxed out that I never knew about, and he neglected to mention when we divorced. I cancelled as many of the cards as I could ( because I was only an Authorized User ), but two of the companies ( Discover and XXXX XXXX ) have  refused to even contact the police officer assigned to the case. XXXX XXXX, on the other hand, has cleared the loan from my son 's name, and they stayed in communication with the officer on the case. Discover was communicative with us up until recently. Last month, they asked us to mail and fax them a copy of the police report from the police station we filed it at. We mailed AND faxed them a copy. We called a few days later to confirm, but nobody could tell us anything. We checked in again, and now they are telling us that they never received it and they require us to go to the police, have the officer call them, and submit the report even though just a month ago they said otherwise. Moreover, Discover refuses to give us a copy of the transaction history. I have no way to access the transaction history of the card because I don't know any of the login information. I can not dispute the payments made on the card because they won't give me a copy. Discover has led us back and forth on this fraud claim even when we have tried to be diligent in our response. The court wants Discover to contact them but Discover has not done anything on the case. 

Please note that the account name XXXX be under a different name. My name before my marriage was XXXX XXXX. 

I am resubmitting this complaint because XXXX has not contacted me after I have attempted to call them on multiple

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Lendmark Financial Services
State: CO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had a loan which interest rate is outrageous and can not afford to pay due to unemployed. 
They call me uncountable times a day, every day for months, and they also called my landlord and my previous workplaces. 
It's a harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Flagstar Bank, N.A.
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: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Flagstar Bank and XXXX XXXX. The Account Opened is Flagstar Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580000.00}. The Account Opened is Flagstar Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2020-10-18
Company: Bread Financial Holdings, Inc.
State: AZ
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: Card was charged for something you did not purchase with the card

Complaint:
A purchase was made on my Comenity card that was not made by me from a. company namesecuretest. Was told that I could not make a dispute until it posted ... what the heck. Locked both cards. Called today because another purchase was made by the same company and today ... their computers are down.

I also had a fraudulent purchase made on the XXXX XXXX scan & go app that was not made by me buy on my account.I called to report and they did nothing ... I stood my ground and did all the work MYSELF ... to get the charges reversed. This company does nothing to help the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries below are a result of Id theft and I notified transunion and requested they block it under section 605b and they denied that and gave me a response that inquries are a factual record! There response is in violation of 605b.

1. XXXX  2. XXXX  XXXX  3. XXXX  4. XXXX XXXX XXXX 5. XXXX/XXXX  6. XXXX/XXXX  7. 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 2021-02-05
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been a customer on Coinbase for years. I tried to log on XX/XX/XXXX. My portfolio, linked bank account, tax information. Everything has disappeared. I have called 3 times. Emailed and opened 3 cases over the last 2 months. Have posted on XXXX. All with no response. I am missing in total over an excess of {$20000.00}. I have all the emails of my purchases in the past with reference numbers for the purchases and I have my bank account statements with the withdrawal statements on them. No access to my money and no customer service to talk to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft. There are fraudulent accounts on my profile that need to be removed I have sent police reports to all 3 credit bureaus.

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 2017-08-11
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Diversified Consultants apparently placed a bad debt in the amount of {$660.00} on my account for a XXXX XXXX balance. The initial report ( on my XXXX report ) shows XX/XX/XXXX, and they have reported the debt again as a negative item this month, XX/XX/XXXX. I have n't had a XXXX XXXX account since XX/XX/XXXX. I have had no recent account with them. The balance that was owed from XX/XX/XXXX was included in my Ch. XXXX bankruptcy filed in XX/XX/XXXX. I suspect that what Diversified Consultants and XXXX XXXX XXXX ( the original holder of the debt ) is attempting to do is illegal, and I 'm tempted to contact an attorney regarding the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: Experian Information Solutions Inc.
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:
XXXX has incorrectly reported three ( 3 ) 90-day late payments on my credit report during a federally mandated suspension of all student loan repayments. When I contacted them to correct this error in their reporting, they refused to correct it. 

According to Section 3513 ( d ) of the CARES Act ( Public Law 116-136 ), federal student loan repayment suspensions were supposed to be reported to consumer reporting agencies positively ( i.e., as if the borrower has been making regular payments. In relevant part subsection ( d ) reads : During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. 

CARES Act suspension of federal student loan repayment was extended until XX/XX/2021. 

XXXX has completely disregarded federal law and has ruined my credit. Given that they have made this fatal error in their reporting, I am respectfully requesting that this error be corrected and XXXX reflect the appropriate positive payment history.

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 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Transunion any written consent to report anything on my credit report. No consent is IDENTITY THEFT.

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 2021-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2018 a credit card was opened without my authorization or permission for anyone to open a credit card with my information. Upon reviewing my credit report I found this information. The account is a result of identity theft and this account does not belong to me.

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 2021-02-23
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have exceptional payment history with Citibank I opened up a secured credit card and was told if I kept my balance is low and paid on time I could upgrade after 12 to 18 months. I always pay my balance off every month never missed a payment when it came time to give me my deposit back and upgraded me to an unsecured card I was told that they would not be graduating me but never given a reason why I did everything perfect with this card like they told me to do in order to graduate to another card I feel like they missed lead me. Also my last payment of {$190.00} my bank released and city is saying they did not receive it but it showing posted on citi Account. I paid my balance in full and they are not giving me any credit its staying XXXX. Please help me.

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 2021-02-23
Company: VW Credit
State: UT
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:
VW Credit is reporting an erroneous late on my credit file. This late is for XX/XX/21. I had been in constant contact with them because i was going through a hardship and thought i was going to have to give vehicle back because i could not afford to pay them at that moment in time. Once we were nearing the last of my options they decided to work with me and set up a payment arrangement to help get back on my feet. Now i am in a much better position and am able to make all my payments on time. I truly did not intended to be delinquent, my wife was the only one working and we really could not make ends meet. Now that i am in a better position i would really like to move forward in life and buy a home but unfortunately this late notation is really holding me back. I have had this account open for a very long time and hated that i even had to jeopardize my account standing due to this hardship but there was really nothing else i can do. I am asking, pleading, that you remove this late from my credit file. It will help tremendously and i will be able to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2020-10-18
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to log into online banking this afternoon and received a pop up that my account had been locked because of suspicious activity and I'd have to call them to unlock the account. I was never notified that my account had been locked, and was very inconvenient because I was logging in to check a transaction. I called them and waited on hold for over an hour before finally received an automated message saying they were unable to take my call at this time and to call again later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
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:
Experian is reporting erroneous accounts on my Experian report. For some reason they are reporting these accounts even though I had asked them to remove it before but they are refusing.

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 2021-02-05
Company: Experian Information Solutions Inc.
State: FL
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:
Perform an investigation about my case and provide me with evidence, if you cant prove anything delete the negative account listed on my credit report. Delete the inquiries please.

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 2021-05-19
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: Their investigation did not fix an error on your report

Complaint:
Credit Bureau is reporting inaccurate information after i have requested them to validate these alleged accounts that I did nonauthorized nor does these accounts belong to me

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 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have sent letters to XXXX Transunion, and XXXX  asking them to remove my incorrect, names, address and phone numbers. They never responded. Please remove this outdated information.

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 2021-02-05
Company: Sequium Asset Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I had a XXXX XXXX account for over 25 years and the final bill contained late fees that were charged erroneously. I received a collection notice which is attached to this complaint from Sequium Asset Solutions. The notice provided 30 days from receipt of the notice to dispute the item contained in the notice. 

I was not given the benefit of the full 30 days of the notice to dispute this debt, and Sequium reported the debt to XXXX  and likely other bureaus, on XX/XX/2021, just 20 days inside of the 30 allowed by law. This debt was already paid in full via electronic check and still remains on my credit file with XXXX. 

Due to the fact that I was not given the proper 30 days from receipt of the notice dated XX/XX/2021 to dispute the debt which was already paid, I was treated unfairly for not allowing me the proper time to dispute the debt, a full 30 days, which Sequium reported prematurely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation