BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
To make this short and simple : TD Bank closed my account due to credits coming into the bank account with a different company name than the account holder. I was told by the bank i would receive a letter in the mail and a check for my $ XXXX and some change but that has not happened. It has been 2 months since the bank claimed to be investigating my account, and i still have not heard from them. 

I had my attorney get in contact with the legal department but the rep there does not reply and if she does its with vague information. 

All i want is my money in the account which is a little over {$25000.00} XXXX these funds are 100 % legit, and therefore should not be held XXXX Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX XXXX  XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Colony Brands, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe XXXX XXXX {$300.00} or any other. This account has been closed charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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: Information belongs to someone else

Complaint:
There has been a delinquent XXXX Account on my credit reports for many years. 

I am told that on XX/XX/2015 someone opened a XXXX account using my social security number and a variation on my name -- XXXX XXXX. 
When I dispute this item with the Credit Reporting Agencies their investigations come back with the same answer each time, that it is my debt. 

When I call the reporting agencies they say they can not discuss the debt with me because it is not in my name. I called XXXX XXXX XXXX  ( XXXX ) the agency currently listed as owning the debt and they referred me to another agency, XXXX  ( XXXX ). The representatives at XXXX repeatedly hung up on me saying they could not discuss the delinquent account because it is not in my name. 

This is adversely affecting my credit score and my ability to open new accounts without having to put down a hefty deposit. 

I have never used the name XXXX XXXX. No one in my family has a last name of XXXX and have never used XXXX has a cellular provider. What do I need to do to have this removed from my Credit Reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 a 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
we were suppose to get {$90.00} back on our sams club mastercard as cash back rewards for the year.. the customer service person and then the store manager in XXXX ga said we were not entitled to this amount because we did not renew our store membership in person by our annual date of XX/XX/20.. we have had this card forever and have never had a problem renewing. because of covid we were not going into any stores. we did finally go into the store on XX/XX/20 to renew in person at which time we were told that we would not get the cash back reward. 

Funny, our membership still shows our membership date of XXXX. the more i think about this the madder i have become and wonder if XXXX XXXX XXXX has treated everyone like this during the covid epidemic. That means they have pocketed a great deal of cash back, americans/customers we are entitled to receive and basically fraud.

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 2019-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 need your assistance in helping me to remove incorrect information from my credit file. Transunion, XXXX, and XXXX is inaccurately reporting that I was 30 days late in XX/XX/XXXX with XXXX ; XXXX is reporting that I was 30 days late in XX/XX/XXXX and XX/XX/XXXX for XXXX/XXXX  and XXXX and Transunion is reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX for XXXX/XXXX ; Transunion is reporting 30 days late in XX/XX/XXXX for XXXX XXXX. 

XXXX is reporting 2 fraud accounts on my credit file : XXXX and XXXX There are several unauthorized inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

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 2021-12-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my XXXX XXXX  and my ability to get approved.

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 2021-04-27
Company: EQUIFAX, 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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: IL
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:
Hello. I did not give consent to the credit bureaus ( Equifax, XXXX and XXXX ) to add my XXXX  to my credit report. The XXXX XXXX XXXX XXXX XXXX XXXX states that they do not report to the credit bureaus. Can you please verify how this information was added? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
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:
Reviewed my credit profile and saw an authorized account XXXX XXXX. I find that strange because I have never lived there. The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future.

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 2020-11-24
Company: ENCORE CAPITAL GROUP INC.
State: OH
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:
I received a registered letter from Midland Funding LLC on XX/XX/XXXX informing me that due to a court ruling against me in XXXX, my paycheck will be garnished to pay a debt. 
This was the first notification I had ever received. 
The person who was referenced on the court record was at a different address in a different city than mine. I have lived at my address for almost 30 years. 
I filed a fraud report with the XXXX County Sheriff 's Department in XXXX, Ohio on XX/XX/XXXX. The report number is XXXX, and it is attached to this form. 
Midland funding is requesting a signed, notarized affidavit from the FTC, but they are providing no information on how to get that affidavit. 
So I am filling out this form and attaching the report in hopes that I will receive the affidavit that they require. 
Also, upon looking at the history of this account on Midland Funding 's website, it appears that the person who owes this money has made 2 payments in XXXX. I have never made payments toward this account, since the first time I learned of it was on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-28
Company: JPMORGAN CHASE & CO.
State: NV
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 have a mortgage from JPMCB HL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB HL and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and JPMCB HL with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To Who it may concern, Ive been in bankruptcy since XXXX and my case was dismissed due to job loss. I filled out paper work with CitiMortgage in XX/XX/XXXX since I sent all my Doctuments since XX/XX/XXXX then they kept asking for other paper work and its an ongoing thang with CitiMortgage all I want is my loan modification if Ill be getting the help or not, my Point of contact has been telling me I qualify for the best loan mod but there is always an issue they never get my paper work or something is always missing. I have all the paper work I scanned and email or faxed I JUST CANT LOSE MY HOUSE

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 2020-01-28
Company: MIDFIRST BANK
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mid first is attempting to foreclose on my home with a fraudulent assignment. I have requested proof of claim but Mid First has failed to respond. The QWR I mailed has not been responded to either

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 2019-06-04
Company: JPMORGAN CHASE & CO.
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: Credit card company forcing arbitration

Complaint:
On XXXX XXXX XXXX, Chase sent me a emails stating a Change to my Account Terms for each of my credit cards. These terms changes stated that ( among other things ) I have to settle any disputes through arbitration, unless I mail them a written letter that I do not agree to arbitration. 

Why should they be able to send this notice via email, but to decline I have to mail a written letter for each of my accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$400.00}, {$1400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXXenclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.

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 2021-02-24
Company: Experian Information Solutions 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:
A balance is reporting on my XXXX XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. This account was paid off XX/XX/2019. I have tried to resolve this issue directly with XXXX XXXX and they have failed to correct 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 2020-01-28
Company: EQUIFAX, 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:
On my credit report my score was XXXX last month and this month it dropped 37 pts. I have paid all my revolving and loans on time and this is not correct nor accurate. I called on XX/XX/2020 to dispute this decrease as I have no past open collection accounts or over due accounts. 

My email is XXXX And number is XXXX XXXX XXXX XXXX That 4 digits of ss # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made my fourth of three monthly payments to the servicer in XXXX, which made me eligible for their Get Current Program, which meant that my past due payments would be brought current, and I would be enrolled into their direct debit program moving forward. On XX/XX/XXXX, I checked my bank account and realized the XXXX payment hadn't been withdrawn, so I made it over the phone. It was not debited from my account until XX/XX/XXXX. This also mea n't my payment was more than 60 days late and the company reported a late payment to the credit bureaus. 
On or about XX/XX/XXXX, I spoke to XXXX with Firstmark Services, and explained to him that I made my XXXX payment but that it was not debited and I had to make another payment as soon as I realized. He said if they researched the call and found out I made a payment, my payment that posted on XX/XX/XXXX could be retroactively applied to my account and I would be credited with a XXXX payment, and I would qualify for the Get Current Program. He needed me to find out the exact date and time of the XXXX call, which I did after spending an hour on the phone with XXXX XXXX XXXX. I called and gave him the information and to this day and 6 calls later, have not received a response. XXXX also said they could retract the late payment report to the credit bureaus. I made another payment in XXXX so as not to have another hit to my credit. Despite being provided with he information XXXX requested to resolve the issue, I have never received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: FinCo Services Inc DBA Current
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I had {$150.00} deposited into my current account. Approximately two hours later, {$120.00} was taken by a company which I had blocked weeks before at the advice of current when I told them that the company has a rputation for taking peoples money. That company I had ordered some wrinkle srum through and I recieved an email trying to say I owed them money which is not the agreement I made with them. I paid the shipping of {$9.00} each for two products, this was deal I was suppose to get for the first time trial of the product. Current allowed the company to take it anyway. Then they refuse to give my money back. I must contact the merchant they said. I did and they said they would refund my money back. The charg had cleared as it shows on my account and I will be sending you screenshots of this with this complaint. The refund is even showing as pending on my account. I spoke to someone last night and I have sent several emails to current over this. The person last night told me like three of four diffrent tales. I have the screenshots. They said I didn't recieve a refund, my money was never taken that the charg reversed, the refund was pending, and that I don't have a refund that's another charg. I have the screenshots to prove all of this. The person made XXXX with saying it outright to my family and everything because I told them they will be looking for a new job. I explained XXXX XXXX is against the law. They said that they can send my XXXX stateme t showing my balance is XXXX. I t et I'd to send them screenshots showing the refund and where my money was deposited and taken. Where is my money if it wasn't taken? The deposit was made it shows it all on my end on the app. I canr pull up statement for XXXX. I disappeared. It shows on XX/XX/XXXX that my deposited {$150.00}, but doesn't show the {$120.00} charg on the XXXX statement. It shoes it on my recent transactions though and I have photos of all of it. It shows pending refund as well but they won't put my money that should of never been taken back in my account. Thanks my name is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation