BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I went to use my checking account and noticed the funds were not available in either account ; XXXX & XXXX I called the main office of TD Bank and was on hold for 45 minutes so I got in the car and drove to the branch. I spoke to the branch manager in XXXX, Massachusetts and she did not know why my funds were frozen but she would email the proper dept. and get back to me on Monday. On XX/XX/2020. I received a call from XXXX ( no last name given ) on Monday and returned her call the following day. She said my account was frozen but could give me a reason. I asked her for a letter or some notice so I could investigate the situation and she could not provide me with one and left it at that. This was a Department of United States Treasury  Check and according to 15 USC 1 Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. American Citizens have rights according to 26 USC 6332 if there was a problem with my check I would have been given Civilian Due Process and 90 Days to correct any mistakes but because this was straight out theft of my funds I was denied any civilian due process. Also According to 15 USC 2 Every person who shall monopolize, or attempt to monopolize, or combine or conspire with any other person or persons, to monopolize any part of the trade or commerce among the several States, or with foreign nations, shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court. This was Theft, Unauthorized Transaction, Consumer Fraud, Restraint of Trade, The bank also used my exemption and according to the FDCPA all of the above is UNLAWFUL. Also in the event that a 3rd party debt collector has requested the funds out of the account I am prepared to file a suit against the bank under these United States Codes that are here to protect Americans. I request that my funds be put back or released into my account immediately TD Bank has a fiduciary duty to all citizens to follow the law as stated by Attorney General XXXX XXXX notice to all last week! I expect the funds to be returned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: EQUIFAX, INC.
State: PA
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:
My personal information was compromised by in XXXX, it appears someone attempted to open several loans/credit cards in my name but were unsuccessful. However, there are multiple credit inquiries that I did not initiate on my credit file as a result of this. When I realized this is XX/XX/XXXX, I contacted each company ( XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX ) and was told repeatedly I would need to contact the credit bureaus to dispute. So I sent several letters to all three credit bureaus on XX/XX/XXXX to have these removed, via USPS ( XXXX   XXXX, XXXX  XXXX, Equifax XXXX ). I never received a response from any of the credit bureaus. 
I sent additional letters after this citing FCRA section 604 requesting documentation showing I initiated these credit inquiries giving these companies permissable purpose, again no response. I'm filing a complaint to have all of these credit inquiries removed unless they can provide proof that I requested to open credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Santander Consumer USA Holdings Inc.
State: TX
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 XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX have have sent them all letters letting them know I didnt authorize these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions 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. Please delete or remove this item on my behalf. This item is 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 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 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Recently, I've grown an interest in monitoring my credit. I am ready to purchase my own home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. Please remove these negative items from my report, they are indeed fraudulent and do 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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted consumer adjustment company involving a debt that they claim I owe that was taken In my name without my approval authorization and or knowledge I have sent over the required documents requested to dispute this item as fraud. The company removed the items from my XXXX  and XXXX and however has failed to remove the item from my Transunion 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 2018-04-02
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank auto charged XXXX dollars from my debit card to my credit card even without sufficient funds causing an overdraft fee. I didnt notice this till about a month or two later causing XXXX  balance of XXXX dollars

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 2018-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/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 2018-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
HI, I RECENTLY REVIEWED MY REPORT AND FOUND LATE PAYMENT ON THE DATES BELOW : CREDITOR : XXXX XXXX ACCT # XXXX I WAS NEVER 30 DAYS LATE IN THE MONTH OF XXXX XXXX, 2017. I AM NOT SURE WHAT HAPPENED.MAYBE THERE WAS SOME SORT OF BILLING ERROR BECAUSE I HAVE ALWAYS MADE MY PAYMENTS ON TIME.

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 2019-01-30
Company: CITIBANK, N.A.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently was sued by a debt collection agency called XXXX XXXX about a debt they claimed I originally owed to XXXX, XXXX. This notice was served XX/XX/XXXX. I was never properly notified via mail by this agency prior to this about any attempt by them to either collect a debt or given the opportunity to dispute the validity of the debt. After receiving the court summons, I have tried numerous times to contact this company by phone in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Since I never received a debt collection letter from this agency, I was unable to send a dispute letter to them to dispute the validity of this debt.

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 2018-02-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
In XX/XX/XXXX and again in XX/XX/XXXX Portfolio Recovery called me at XXXX XXXX, call my work after I told them no, and said I would get sue for fraud if I didn't pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Navient Solutions, LLC.
State: IA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX, I called Navient Solutions and spoke with XXXX ( Service ID XXXX ). In the phone conversation, I requested information about my loans Navient Solutions holds. Specifically, I requested the Group number, Loan ID number, and balance. XXXX then tried to convince me that the Loan ID and Group numbers were the same. Anyone with a first grade level of education can tell you that this is not true. Comparing the data on my XX/XX/XXXX, statement, Loans 1-06 and 1-07 are in Group 5. As a first grader can tell you, the number 5 is not the same as the numbers 1-06 and 1-07. However, I thought there was 3 loans that Navient had under their control. So the question still remains. What is the group number, loan ID number and balance? 
I attempted to retrieve this information by writing Navient a letter on XX/XX/XXXX. Navient responded on XX/XX/XXXX, refusing to answer the question by mail. 
With no credible way to obtain information about my loans by working with Navient directly, Im left with no other option but to seek assistance from the CFPB. Per a letter to the Honorable Senator XXXX XXXX and I, to make a payment to a specific loan, you must concatenate the Account number, Group Number, and Loan ID. Please send this information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery from phone number XXXX continue to call my personal cell and my work phone. They are trying to collect a debt that was paid SEVENTEEN YEARS AGO. I ask them to stop calling and they become belligerent, hostile and tell me that they will not stop calling until I request they stop in writing. I have not given them my personal cell or work number and have no idea what illegal methods they used to obtain my numbers. They can not collect a paid debt from 17 years ago. They continue to call me a liar and claim I owe the debt and attempt to brow beat me into paying a debt I do not owe. XXXX from Portfolio Recovery just called my work phone at XXXX XXXX on XXXX/XXXX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-30
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 have been the victim of identity theft and someone my information has been used to try and open accounts. The inquiries are not mine or initiated by me : XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018

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 2021-08-21
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional XXXX They dont respond to my disputes and keep verifying this fraud to the credit bureaus. They are also reporting the same fraudulent account with two different collection agency for the same fraudulent account the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not authorize this {$3100.00} debt with this institution. I have filed and submitted documentation to the company at least 20 times, I knew nothing of the debt until it was charged off and I began to receive collection calls from the company. I notified each and every agent that called, that this account is not mine. 

I have been a victim of Identity theft for almost 10 years. Over the past 10 years people have gone as far as getting cars, apartments, credit cards, bank accounts and utility services in my name. I have filed many police reports and done FTC Affidavits, many of the reports were filed with the city and county in which the fraudulent accounts were opened. 

I have fulfilled all of the requirements under FCRA 605B to have this  information removed and blocked, and NFCU is in violation by not removing this debt. 

The company is also in violation of Section 392.101 of the Texas Finance Code prohibits a third-party debt collector from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. I have found no surety bond in the state of texas bearing the name of this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Security Credit Services, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX | DOB : XX/XX/XXXX RE : CFPB Complaint # XXXX Experian Report # : XXXX Acct : XXXX XXXX XXXX Dear Experian, In response to a CFPB complaint, I filed XX/XX/XXXX. XXXX Lets being by stating first that as a CRA it is your duty to report accurate and verifiable information. Experian has failed to do so, on more than 5 occasions on this account alone. Its beginning to look very obvious that you either incapable or unwilling to do just that. 

Per FCRA information that can not be verified must be deleted this is the 5th time you have verified this account as accurate and updated and it still is not. If this account gets updated and verified as accurate ( 1 ) more time I will be seeking litigation for FCRA violations. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Furthermore, this reinvestigation has still failed to : - Yield me any verifiable proof of you procedures or how you verified this account. 
- You have even failed to give me a name, number, time and date of person who has verified this account. 
- XXXX XXXX is not a verifiable person nor should it be used for these situations per FCRA. 
- You even report late payments on this account without giving me proof of how you verified these late payments - Once again, for the 5th time you verified and updated information, which is wrong and can be proven to be wrong instead of just removing this unverifiable account like requested 2 months ago. 
If you can follow along with the simple instructions, I am giving to you. Please look at page 2

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 2018-06-06
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I was contacted at my placed of employment by Bull City Financial. I believe that I owe {$220.00}, which is an estimate. I have spoken to them before to try and resolved the debt but advised at the time that I had to call back to make sure I had the funds in place. This was during the week of XX/XX/XXXX, and I can not remember the exact date that week. My father recently passed and reviewing old debt was the last on my list. When I spoke with a representative on or about the end of XX/XX/XXXX, my contact information was verified with them. Today XX/XX/XXXX a  representative called me on my work phone without authorization. They were not advised that this was a viable number to call and it is disruptive to my work. I would like them to be sited for their debt collection practices and this cause undue stress and reprimand from upper management.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: EQUIFAX, INC.
State: HI
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:
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX , XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation