BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-25
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX SER XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: CORELOGIC 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:
XXXX XXXX XXXX XXXX XXXX XXXX  CT XXXX NJ XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX The following phone numbers do not belong to me please delete them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
From XX/XX/21 to XX/XX/21 My bank account got hacked into from a XXXX XXXX XXXX Deposited XXXX XXXX dollar checks and one XXXX check into my checking account. which they were mobile deposited- signature on the back of these checks don't even match up. I don't even deposit a XXXX dollar check into my account. I don't make XXXX. Then once they got into my account, then they withdrew these checks and sent them out to XXXX XXXX & XXXX. TD BANK allowed these checks to go into my bank account once they found out they were a scam ... fraudulent checks.. I had no access to my bank account. Second of all they forged my signature well tried too. I already processed 3 disputes with td bank all coming back denied due to them saying i authorized this.. Clearly i did not because someone changed my biometrix ( face Id ) on my iphone & all my passwords had to be changed. So clearly someone hacked into my phone and got ahold of my bank account information. I did not authorize no information through my phone i did not give my bank account information out.. I want this fixed now.. TD BANK IS THE WORST BANK & I AM NOT PAYING XXXX I DON'T EVEN MAKE XXXX ... so i hope someone can help me with this. TD BANK WONT HELP YOU!!! THIS IS HORRIBLE AND I AM EXTREMELY FRUSTRATED. XXXX XXXX, XXXX XXXX. & EVEN XXXX XXXX CLERK COUNTY

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I refinanced a first mortgage on my condominium, closing date XX/XX/XXXX. I paid off the prior mortgagee, NewRez LLC, on that date. However, XXXX has not recorded the discharge of the loan at the XXXX XXXX XXXX of XXXX. 

I called XXXX on XX/XX/XXXX. They promised to email me a satisfaction letter purporting to show that they had electronically recorded the discharge of the loan with the XXXX XXXX Registry of Deeds. I did not receive it. 

I called XXXX on XX/XX/XXXX and they made the same promise. This time I received the satisfaction letter via email, however the satisfaction letter they sent was for a different loan that was discharged in XXXX. 

I called XXXX on XX/XX/XXXX and determined that the mortgage I was trying to get discharged does show as fully paid in their systems, however, the satisfaction letter attached to the relevant account in their system is for the wrong loan. Customer Service told me to contact the loan servicing department by email at XXXX. I did so. I received an automated reply via email. 

On XX/XX/XXXX I received a paper letter from XXXX acknowledging that they received my inquiry and they were working on it. 

On XX/XX/XXXX I received a paper letter from XXXX saying that they " respectfully request additional time '' to resolve the issue. 

At this point I am opening an inquiry with CPFB because I do not consent to allowing more time to resolve this issue. They were responsible for correctly discharging the mortgage several months ago. As it stands now, according to the registry of deeds, my property is encumbered by a mortgage that I do not owe, and this has a serious material effect on my financial position and ability to manage my property. I would appreciate your assistance in escalating this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
XXXX Exquifax, and XXXX has fail to give me any information to my dispute in written of how the information they are reporting are being verified. 

When if comes the the bankruptcy, I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed you have not give me the information for verification on items listed in my letter. My attorney told me to ask you the following questions.

( 1 ). How did you verify these inaccurate accounts?

( 2 ). Did you talk to the court and if you did who did you talk with at the court?

( 3 ). Were you required to pay a fee to obtain the bankruptcy papers?

( 4 ). Can you provide me with the contact number and name of the person you talked to? 
My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: BARCLAYS BANK DELAWARE
State: CA
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:
On XXXX XXXX, 2020 I ordered merchandise online from XXXX XXXX {$71.00}, which Barclays charged to my Credit Card on XXXX XXXX, 2020. 

XXXX claimed that it was delivered to me twice ( I do not know why one order will be delivered two times ) : 1. XXXX XXXX, 2020 - at XXXX XXXX  - XXXX claimed also that I receipt of the order, which was IMPOSSIBLE because I was on training at the Census Bureau, which is more than 10 miles from my apartment. 

2. XXXX XXXX, 2020 - The Delivery Man of XXXX admitted that he was not able to access ( enter ) the apartment building. Which is true because all people without key to the building must dial the number of the Tenant and in return the Tenant must pressed a certain number to open the gate of the building. 

So the Delivery Man was not able to enter the building for the second time. 

THERE WAS NO DELIVERY OF THE ORDER, FIRST OR SECOND, JUST ATTEMPTS, STILL BARCLAYS BELIEVED THERE WAS AND DOES NOT WANT CREDIT MY ACCOUNT FOR {$71.00}.

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 2021-04-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon checking my credit on XX/XX/XXXX, I discovered new items on my credit report. All reported the same day on Equifax. I immediately let them know it was fraud. These caused severe damage immediately for my credit score. 

Collection Agency XXXX XXXX  Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$190.00} Amount {$190.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
( 6 ) Fraudulent charges ( totaling {$1500.00} ) were made to my Capital One, N.A checking account via Debit Card on XX/XX/XXXX. After seeing charges I immediately canceled my Debit Card and informed Capital One of the fraudulent charges. I disputed the charges once posted to my account and was issued a provisional credit pending determination of claim. On XX/XX/XXXX, I received a form letter from the Bank denying my claim and the money with be withdrawn from my account on XX/XX/XXXX. I have opened an appeal of the denial with Capital One Bank. No person had every contacted me to discuss my original claim to make a determination. Furthermore, I have never lost possession of my Debit Card, nor authorized any person to use it. Capital One had sent a new debit card ( that I had not authorized ) via USPS to me to replace my debit card that was set to expire on XX/XX/XXXX. This card was sent before these fraudulent charges occurred. I have never received this card. I believe this card was intercepted, fraudulently activated, and used to make fraudulent purchases. I have complained of the missing/ activated card several times to Capital One when I complained of the fraudulent charges and, up until my last call to dispute their denial of claim, it was never noted on my account. I have asked several times for a person making the determination of my claim to contact me and no person has. I am further making a complaint for malfeasance and gross business practices for sending a replacement card without my authorization, letting said card be activated for use for credit purchases without my authorization, and, when fraud was reported and claim for re-imbursement was made, not contacting me to discuss what my complaint before making a determination. I have appealed my denial with Capital One Bank and have a claim number. I have also made a complaint to my local Police Dept. and with the XXXX XXXX XXXX Division of Financial Services in regards to the fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
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:
TRANSUNION ARE REPORTING LATE PAYMENTS ON MY MORTGAGE THAT ARE NOT ACCURATE AND NEED TO BE CORRECTED. XXXX HAS CORRECTED THE ERRORS BUT TRANSUNION HAS NOT AND IT'S BEEN VERY HARD TO CONTACT SOMEONE TO FIX THE ISSUE.

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 2020-11-24
Company: Experian Information Solutions Inc.
State: UT
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: Was not notified of investigation status or results

Complaint:
I sent out disputes to the credit bureaus multiple times and have yet to receive any correspondence from them. Out of all 3 buraus NONE of them have yet to get back to me or provide any results. I know that with Covid there is a delay but they can not flat out ignore my disputes for the items on my credit I need removed! They still have to legally provide results and respond to me regardless of this pandemic! They are reporting serious errors on my credit file and they need to provide me results.

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 2017-09-15
Company: EQUIFAX, INC.
State: KY
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:
Equifax had a security breach in which 143 million people are at risk of having their credit compromised and worse yet there identity stolen. 

I am one of the one hundred and forty three million people that have been affected by this security breach. 

Equifax was made aware of this said breach on XXXX XXXX 2017 and did n't report this breach to the public until XXXX XXXX  2017. In the forty-four days they have known about this, I did n't receive not one notification that potentially my social security card, drivers license and other personal information was in the hands of thieves. I learned of the security breach through the media. 

This is a direct violation of section 501 ( b ) of the Gramm-Leach-Bliley Act and Ken. Rev. Stat. Chapter 365 The interpretive guidance states that a financial institution should provide a notice to its customers whenever it becomes aware of an incident of unauthorized access to customer information and, at the conclusion of a reasonable investigation, determines that misuse of the information has occurred or it is reasonably possible that misuse will occur. 

Customer Notice Customer notice should be given in a clear and conspicuous manner. The notice should include the following items : Description of the incident ; Type of information subject to unauthorized access ; Measures taken by the institution to protect customers from further unauthorized access ; Telephone number customers can call for information and assistance ; and Remind customers to remain vigilant over next twelve to twenty four months, and report suspected identity theft incidents to the institution. 

I now as a consumer whom never authorized this company to collect my information, am now subjected to having to endure financial burden of freezing my credit report, obtaining new credit cards/debit cards, and the anxiety of knowing that a copy of my social security card and drivers license is floating in an unknown person/people/group to use for their own purpose. 

Equifax has failed to protect me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I did set up my account on XX/XX/2020 as an automatics payment. They sent me a confirmation email. The reason why I didn't that is because I was traveling a lot for a camping site where I didn't have internet all the time. So in XXXX a got an email from XXXX saying that my credit decreased and that I had late payment. I got in chock. I have been control all my account for my passed 4 year because I'm looking to buy a house. And I haven't delay any payment. I do have money on my bank account so I didn't need to delay any payment. I tried to contact the XXXX XXXX and they told me that the account number I added to be the automatics payment were wrong. I asked them why they didn't call me, sent an email or mail telling me that the payment didn't went thru. They told wasn't they job to check on that. They stopped to sent email after the day I set up my account for XXXX. After all the conclusion that they couldn't help me I paid off my car and I don't want to have an account with them anymore in my life. But the 2 late payment in my credit report is blocking me to get a better mortgage. All my account are setting up automatic payment. The only one wasn't made my credit report bad.

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 2020-05-27
Company: EQUIFAX, INC.
State: TN
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:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30  ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CITIBANK, N.A.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DSNB MACYS is claiming an account on my credit that is not mine. The account number is XXXX, this account was opened on 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 2021-01-22
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am contacting you because I have found some information that is inaccurate on my credit report and I never had a XXXX account in the last six ( 6 ) years. This account does not belong to me. I request that you verify the information and remove any inaccurate information from my credit. 

Account owner : Individual Account Date reported : XX/XX/XXXX Account status : Unpaid Creditor Classification : Utilities Original Amount Owed : {$130.00} Original creditor : XXXX Date assigned : XX/XX/XXXX Agency : TRANSWORLD SYSTEMS INC Status date : XX/XX/XXXX Delinquency : Balance owed : {$130.00} Balance Date : XX/XX/XXXX Collection company that contacted about the debt : Agency contact information TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I got a loan with Santander in 2015. I have already started defaulting within the year. I had to have my mom borrow and myself be the co-signer because she didnt make enough money and my credit wasnt good enough. I have struggled for years to pay this car. They have only helped with deferrals when absolutely necessary, even during XXXX XXXX. Their representatives have lied to me, and after going through health issues, including XXXX, I asked them for a a deferral and they said they couldnt that they would try to modify my loan. They never got back with me on that and said they didnt know what I was talking about. They repossessed my car today and are trying to charge me XXXX dollars to get it out. This is the first time this has happened. No one is willing to help me. I am quite sure I am included in their class action lawsuit. I was 94 days past due, with 4 payments due and XXXX and some change in late fees. They towed my car over 3 hours away and I cant retrieve my personal belongings. This is absolutely absurd. I demand Santander give me back my car that Ive paid XXXX on already and still owe XXXX somehow and call it even. These people are crooks and thieves and prey on the poor. They have never helped me! I want my car back and I want the payments to disappear. I have paid enough!

Company response to consumer: Closed with explanation