BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XX/XX/2023 - Per online auction I purchased 3 items ( {$1900.00} ) of music memorabilia purported to be 'autographed. ' One item was to be accompanied by letter establishing provenance which seller failed to provide. All 3 items came with " Certificate of Authenticity '' issued by seller. 

On/about XX/XX/2023 goods received. Seller recommended authentication 'expert ' which I researched and found had a questionable reputation. I researched and contacted reputable expert. 

XX/XX/2023 Items ' autographs verified by authentication experts to be forgeries. I contacted seller advising of failed authentication and requested to return goods. Seller refused. 

XXXX - I called Customer Service of TD Bank , issuer of XXXXXXXX XXXX XXXX XXXX ( with which payment was made ), to advise of fraud and dispute {$1900.00} charge. I offered to send report of authentication expert and correspondence with seller. Representative declined to receive same. 

XX/XX/2023 - I received two letters from TD Bank : 1 ) dated XX/XX/2023 stating, " additional information is needed relating to transaction ( s )... '' and, 2 ) dated XX/XX/2023 stating, " Our review determined an error did not occur '' and " Must be resolved with the merchant '' and " You have the right to request documentation used to make our determination. '' From this point forward I made all communications on TD Bank 's website so there would be a 'paper trail ' of correspondence. Attached are copies of all website 13 messages correspondence ending XX/XX/2023 including my repeated requests for above mentioned documentation. 

At all times TD Bank has both refused to comply and failed to reply. 

Upon research I discovered that the 'merchant ' is a know purveyor of forged signature memorability with a " D+ '' rating with XXXX.org. I also have entire file of 25 messages between myself and the merchant, including 6 requests for instructions for return of forged items, all of which were refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: EQUIFAX, INC.
State: CT
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:
One credit score is XXXX, the other XXXX. How could there be that wide a gap between same company?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: ORG GC GP Buyer, LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, I applied for XXXX XXXX College taking out 2 loans {$4000.00} each. Graduated in XXXX. 
Attended XXXX XXXX Colleges for several years, no loans. 
XXXX consolidated with XXXX XXXX. Unemployed for several years, {$0.00}. balance, loan forgiveness through XXXX XXXX. XXXX, my tax refund is taken by dept of education. I request proof of debt, only partial information recieved to me. Dispute. Doesn't matter. Request documents, only partial was sent to me. My new balance reporting as around {$60000.00}. and has wrecked my credit report. Agree to reestablishing loan so I can change some of this and set up auto pay. Successfully paying for several months now but they still report me as no payment every month. I can't even qualify for a studio apartment in a questionable area because my credit shows a {$60000.00}. loan debt with current no repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 check my credit twice a month. And I noticed my balance jumped from XXXX to XXXX dollars. And Ive been XXXX for over 9 years with no school activity or anything. How is it this debt has doubled all of a sudden. Which has made my credit score decrease. Please help. I made a report of identification theft with someone calling my phone and I gave up my social security number over the phone. So I hope this has nothing to do with it.

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 2021-11-28
Company: Experian Information Solutions Inc.
State: OH
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 am requesting a freeze be placed on my credit report due to a possible breach of my account and my identity being compromised. I am requesting a security PIN be sent to me from XXXX, Experian and 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 2020-06-15
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/28 Charles Schwab Bank allowed ( without my authorization ) a transfer from my checking account to a XXXX Checking account in the amount of {$1400.00}. On XX/XX/XXXX i found out this had happened i called them and told them i never requested this transfer and that i need my money put back into my account to pay bills. They denied my request and told me it would be sent to the fraud dept.

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 2019-09-27
Company: EQUIFAX, 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:
On last Thursday, I went to the car dealership to try and buy a new car. I was denied the loan because of bad things on my credit I went and got my credit report done and there were several things that were not mine. I need those things taken off quickly, they are affecting my credit. I have already called the police here and the FTC. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: EQUIFAX, INC.
State: NJ
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 pulled my Credit Bureau XX/XX/XXXX, the bureau had a previous address that I have never lived at. I initiated a dispute with Equifax who at the end of the dispute told me that the address was Fraud and would be removed.. On XX/XX/XXXX I pulled a new bureau from Equifax and found that the address that they told me was fraud and would be removed was  still showing on my credit file. Equifax required me to initiate a new dispute. The dispute was closed and once again Equifax told me that the address will be removed. I have another bureau pulled XX/XX/XXXX and the address still is showing on my bureau and I am being told I need to speak to the fraud group again to have my concern resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23
Company: Experian Information Solutions Inc.
State: MT
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 filed a claim to remove accts that i found on my report as i just recently started to check so that i can correct my credit and by land. I found several acct that are not mine that i have had no knowledge of. In searching i discovered that the accts were began while my mother and her boyfriend at the time lived with me. I believe that XXXX XXXX who is currently in XXXX XXXX XXXX for XXXX  and XXXX  opened these acct while he had access to my information like SS number and other personal information 's while they lived with me. I have attempted to contact and just get that " acct are valad '' but nothing stating how they were validated. Im looking for information as too how were validated. I mean that is my address that is my information but I did not open these accts to something called XXXX or a XXXX XXXX acct. they had access to but the right information i did not have knowledge of these accts even existed untill i started checking my credit. I never received and product or bills to these accts I supposedly opened. which makes sence since the people who had access to my information lived in my house and probably intercepted all of it. this is theft and I just want to know how these accts are getting validated and proved that they are my just cuz my name is attached to them. I just want answers and explained process of how they are validated. cuz truthfully i have all my ex husbands information and how would you know if it was him or me since we still live in the same house. You cant and it is not right to not listen to me and just expect that these are mine when they are not. It is not right to not take my information and stick me with a bill that is not mine just cuz someone had access to my information such as family or roommate. And the time frame of these bills were when they lived with me. No there was no charges because i recently just found out and he is already in XXXX. However i am NOT going to take the responsibility of the the XXXX XXXX or XXXX  acct even if i have to contact an attorney

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My husband and I applied for debt consolidation and we were turned down - the bank sent us a copy of the report re our credit rating- my report said in both XXXX  and transunion # 39 Serious Delinquency- yet I have always paid my bills on time there is absolutely no delinquency- When I tried to make them aware of this nothing happened- can you please check into this and please take off of my report Thank you 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 2018-07-23
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was sold effective XX/XX/2018 by XXXX XXXX XXXX, XXXX to Shellpoint mortgage servicing. I had made an agreement with XXXX to pay {$300.00} per month for 12 months ending XX/XX/2018. I made those payments on time and as agreed. Upon taking over my mortgage, Shellpoint began sending correspondences and calling me demanding higher amounts. Their representatives continually claimed I was in foreclosure and hadn't made a payment in 15 months. The payment amounts have varied radically from {$490.00} to {$510.00} to {$690.00}, {$710.00}, and {$810.00} in a statement dated XX/XX/2018. I have lived in my home for 20 years and these threats and correspondences have me in fear they will take my home. I am retired, or so I thought, on social security of {$1300.00} per month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I forgot to log out of my bank app. The XXXX XXXX, which is offered through my bank, opened while the phone was in my pocket. Unbeknown to me, {$400.00} of my money was transferred to an unknown person through the XXXX XXXX. I had previously used the app to transfer money so I had an active account. I did not authorized this transaction. When I found out what was happening, it was too late to cancel the transaction. I reached out to the person several times through the phone number on file but they did not answer, nor did they return my calls. I immediately file a claim with my bank as well.

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 2019-11-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
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:
on XX/XX/XXXX I obtained line of credit from XXXX  XXXX XXXX , XXXX, with amount of {$250000.00} with account number # XXXX on XXXX XXXX  XXXX XXXX breach its contract and at that time that I need it most caused me forclosure of my 3 properties in Virginia XXXX XXXX XXXX XXXX, XXXX close that account on XX/XX/XXXX. first third party debt collector SELECTIVE PORTFOLIO SERVICING INC. with same line of credit but with different account number # XXXX ( amount of {$160000.00} XXXX  XXXX XXXX, XXXX closed it on XX/XX/XXXX ) and their account number XXXX I never had any contract with them they never lend me any money and I received a letter dated XX/XX/XXXX threaten me will forclosure scheduled for XX/XX/XXXX. I need your help to prevent more damages to I, my family, and my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-23
Company: Experian Information Solutions Inc.
State: VA
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 or about XX/XX/2018, I discover throughout a credit report alert that my credit score went down from XXXX to XXXX, that also I was behind more than 60 days with my closed credit card business account with XXXX XXXX XXXX XXXX. 
I closed this above account on XX/XX/2018 with XXXX owned balance. 
I closed it because of multiple charges of XXXX XXXX insurance that I did not authorize. 
This account is a business credit card opened with a Tax ID number. 
On XX/XX/2018 my new payment due was zero and the account was closed.See exhibit 1, also the unauthorized two payment transaction to XXXX XXXX were refunded to me. 
On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX report for the first time to the three credit bureaus XXXX XXXX AND EXPERIAN a 120 days plus overdue account referred to collection with the amount of {$510.00} for a bogus payment to XXXX XXXX, plus fees, for a non existent payment that XXXX XXXX did not receive at all and was not authorized by me and it was already refund it back to the account in two previous occasions. 
On XX/XX/XXXX to avoid collection and further credit score damage, I paid the remaining bogus balance knowing that It was a fraudulent collection and late fees. 

I demand an investigation.

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 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXXXXXX XXXX  via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX 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 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 2019-09-03
Company: ACIMA CREDIT, LLC
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:
Acima credit has reported an account that I co-signed on 3 years ago and failed to notify me about the action. I have never heard of a company that reports to the credit bureau without notification. I feel this is an illegal billing practice and I should have been notified. I also filed bankruptcy in XX/XX/2018 which was discharged and could have included this account. However it was not on my credit report at the time. I am told by the company nothing can be done. This is very unethical and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I am seeing numerous credit inquiries on my credit report. Unauthorized by me due to the fact I have been hospitalized. I have illness that I am constantly in and out hospital At XXXX point I had my purse stolen from hospital It contained Drivers license social security card bank card and my check book. 
I am looking at my credit karma report and I see many credit request and I did not make them. I how ever was contacted by XXXX XXXX XXXX telling me I owed money but I did not I cleared that out with them they told me to check my credit report due to unexplained fraud activity I do not recognize inquiries below Dates XXXX/XXXX/XXXX. XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX / XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: Ability Recovery Services, LLC
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: Account status incorrect

Complaint:
I received notification Ability Recovery Services , LLC is fraudulently reporting an account that XXXX XXXX says I owe. I withdrew from XXXX XXXX within 6 days of enrolling! It is my understanding from XXXX XXXX that only physically proven current, true, correct, complete, timely and compliant information may be retained or reported so ANNUL BY DELETION any derogatory items deficient of this requisite physical certification of compliance to XXXX XXXX data formatted reporting regulations! At this time I am filing a complaint against Ability Recovery Services , LLC, XXXX XXXX and any credit reporting agency reporting this fraudulent information and seeking {$1000.00} per violation from each credit bureau, Ability Recovery Services , LLC and XXXX XXXX. I will be retaining legal council! Ability Recovery Services , LLC is also reporting an INACCURATE date! I withdrew in XX/XX/XXXX ( within the specified timeframe ) and the date they are reporting is XX/XX/XXXX which is UNTRUE! It is my understanding that NO entity has the right to retain, report, transfer, sell, utilize or else wise any outdated, untrue inaccurate, physically unverifiable, fraudulent, misreported and or non compliant allegations! This is CLEAR violation of the Fair Credit Reporting Act! EACH REPORT HAS INCORRECT 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