BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-05
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2021 I filed a fraud claim with TD Bank. 
I had a very horrible experience with a scammer. 
They texted me a text with TD Bank Insignia telling me fraud may have occurred on my account to answer yes or no whether three recent charges ti my account were mine. 
I answered No and a man called me telling me he was from TD Bank and that money had been stolen from my account. 
The man immediately called me back. 
He told me it was urgent we act quickly to stop the fraud and needed my username to verify my account. 
He told me as we were speaking that the scammers were stealing my money. 
He told me he would send me a a text with a code and I should give him the code to verify my account. 
I did and he told me that he was going to reimburse my money immediately. 
He stated that the only way he could reimburse me was to refund the money in the same manner it was stolen in {$200.00} amounts. 
He sent me one code at a time and said {$2400.00} had been stolen and he would need to make 12 transactions. 
I gave him the codes as requested when texted to me. 
I became suspicious after 4 transactions and asked for his name and that I would call him back. 
I tried signing into my account to contact TD Bank and was locked out. 
I called Td Bank fraud and they said said it was definitely fraud and locked my account they stated they transferred money from my business account to my checking account and set up XXXX stealing my money. 
I went to my local branch in 15 minutes and set up new accounts. 
XXXX the branch manager and I filed the claim. 
It was denied stating I provided my code, which is unfair, I was tricked and pressured and deceived into giving the codes. 
I appealed and was told to file a police report which I did losing 2 hours of work. 
Then today I called and was told my claim was denied again due to my giving the code to the scammer. 
This is outrageous I am a small business owner. I was scammed and tricked into giving the codes believing I was talking to TD Bank. 
I am now losing {$2400.00} given TD Banks refusal to reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-09-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
XX/XX/XXXXXXXX  Property address XXXX XXXX XXXX, XXXX, NY XXXX Account # XXXX To whom it may concern, I need answers to my questions, if you can not provide answers, please find someone that can so we can save some time here. 

Summary : I have requested a DIL back in XX/XX/XXXX, my request was not acted upon until XX/XX/XXXXXXXX  and then I find out the deed on the house was not considered valid. It then took months for TD to correct the deed. Then I am being told that the DIL can not go forward since there are taxes to be paid. At that point apparently I owed about {$45000.00} to XXXX XXXX. If the deed would have been corrected immediately, the bank would have owned the house and there would not be an issue. 

I have paid taxes for an entire year when I requested a DIL. There was plenty of time for TD to correct the deed ( which I did not know at the time was incorrect ). 
I need TD to correct my credit, my credit is now ruined because of this situation. 
Does anyone feel responsible for anything in my situation, and if you do what will be done about it? 
I need to know WHEN this ordeal will end and HOW it will end, what is left in the process, what are we waiting for etc. 
To top it all, I got a letter from TD bank that I can still live in my house until a judgment is rendered. This is 6 years later, after they have locked the house and charged me with inspection after inspection. 

To the judge : I would appreciate it if the judge would read this and attempt to correct this situation. Here is what I want : Take ownership of the house and correct my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: MI
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 XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX/XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, 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

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 2023-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
When I signed up for this card to get agreed upon ( Bank of America ) I agree for paperless billing and auto When I didnt get a bill I thought I was on autopay turns out the autopay was not set up and a late payment got posted to my credit report Could you please help me get that removed? 

Sincerely 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 2023-03-14
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:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

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 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I asked the company to provide the copy of the promissory note with my signature. 
Stating to agreement to make payments to their servicer. 

Also I want to know what bank is in charge of my loan so I can communicate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: JPMORGAN CHASE & CO.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The credit card was open XX/XX/2021 I activated my card and lost it and someone used my card and maxed it out to {$5300.00} I didnt receive no security alerts no fraud alerts telling me someone using my card. I received a statement saying my credit card was maxed out for XXXX immediately called chafe fraud department to dispute those transactions they never responded to my complaint closed my account and put it in the collection I told them to investigate the transactions it was unauthorized transactions but instead they closed my credit card and say I had to pay the unauthorized transactions that I disputed and closed the account with no explanations and now put a XXXX debt on my credit that I didnt do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21
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: Investigation took more than 30 days

Complaint:
amount was paid immanently after contacted. Prior to being contacted i was under the impression my dead line was at a further date.

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 2022-01-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am, XXXX XXXX, submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, a natural living person and original creditor was sent a letter from XXXX XXXX XXXX XXXX, to pay a alleged debt of {$110.00} ( Exhibit A ) which according to the FAIR DEBT COLLECTION PRACTICES ( FDCP ) is a violation of 15 usc 1692XXXX ( I ) & XXXX XXXX XXXX ( XXXX ) ( i ). XXXX XXXX XXXX XXXX is now civilly liable to pay for damages.

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 2020-01-07
Company: U.S. BANCORP
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
TO ALL CREDIT FURNISHERS, ALL ACCOUNTS THAT SHOULD BE REPORTING ON XXXX, TO WHOM HAS VIOLATED F.C.R.A. 15 U.S.C. Section 1681g since XX/XX/XXXX must effective today re-insert the account back into transunion suppressed credit reports.or face class action litigation in 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 2023-09-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Credit reporting 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 report the companies that I didnt apply or doing business with are showing. 
These are 4 reports on my account and Ive never applied their services or doing business with them. Please remove these from my report. 

XXXX XXXX XXXX BMO bank NA 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 2023-09-05
Company: I.C. System, Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 U.S.C 1681 section 602A.States I have 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

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 2020-01-07
Company: Chicago Car Center, Inc.
State: IL
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:
Lender is stating that Ive made no payments in XXXX and is threatening repo. I have proof that I have been making payments and communicated with via text message about discrepancies. On XX/XX/2019 i was told i owe {$360.00}. Ive made {$200.00} payment on the XXXX. Leaving me a balance of {$160.00}. Lender is saying because its late it doesnt count and I dont understand the policy. Of which policy Ive been asking for for over 6 months and never received.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Mar Joe Enterprises
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Today XX/XX/26. A debt collector named XXXX called me at XXXX XXXX local time from the Credit Collections bureau. She called from XXXX. This is illegal to call before XXXX XXXX  under FDCPA. I want them to cease and desist and only contact me in writing from now on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm writing to convey how deeply annoyed and dissatisfied I am with the bogus accounts on my credit report that have not yet been rectified. It has come to my attention that your agency has not taken the essential steps to swiftly resolve this issue despite numerous attempts to address it. 
First and foremost, I appreciate the removal of the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX XXXX must comprehend the seriousness of this matter and the serious implications it has for my security, reputation, and financial situation. I've given you thorough information and proof that these accounts are bogus, and I've told you that I'm a victim of identity theft. You are required by law to carry out a complete investigation and guarantee the accuracy of the data reported on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). 
In order to defend my rights and make sure justice is done, I want to make it clear that I take this situation seriously and am prepared to pursue legal action if required. Any further delay is intolerable, so I believe your agency will move quickly and firmly to fix this 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 2022-01-28
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The RADIUS GLOBAL SOLUTION XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


RADIUS GLOBAL SOLUTION 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 2018-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Someone has applied for " XXXX '' using my information and I did not allow this to happen. When i saw this unauthorized inquiry on my credit report, I contacted the credit bureau TRANSUNION to dispute and remove the inquiry. I was told my a representative that the inquiry has been placed under dispute. I have been waiting months and I have not received any news on the inquiry. 


The inquiry was made on XXXX XXXX,2017 from 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 2023-06-25
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I got locked out of my account for XXXX twice in a row for a total of XXXX days, when my payment was due, and got XXXX calls from Comenity Capital Bank in that time, XXXX of which were from an Unknown Number and XXXX from a XXXX number. Got back in my this am and made a payment ( sun XX/XX/23 ) and have still received XXXX calls from them - XXXX, XXXX, XXXX. This is harassing behavior and I would like them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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