BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-08
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I entered an agreement with TD BANK USA/TARGETCRED on a credit card balance card of {$3600.00}. Prior to a dismissed Chapter XXXX bankruptcy, my account was in good standing. After the Chapter XXXX was dismissed, I tried to resume payments but was told the account had been charged-off. I agreed to a settlement of {$1800.00} making 6 payments of {$300.00} to satisfy the account. I was told I could call back and re-negotiate the agreement after a few successful payments. I called back on XX/XX/XXXX and ask to re-negotiate the agreement to {$900.00} due to financial issues which was a direct result of COVID-19. I earn income as a XXXX XXXX XXXX and a XXXX XXXX for XXXX ; as you are aware all institutions of education were impacted. My supplemental income from those employers went from $ XXXX to {$0.00}. I shared this information with the Target Rep. I paid the {$900.00} based on the re-negotiated request in XX/XX/XXXX. None of the payments made were reported to the Credit Bureaus. I spoke with the Target representative on XX/XX/XXXX regarding this account and I was told the XX/XX/XXXX agreement was no longer an option and the {$900.00} settlement agreement was denied and I would have to enter into a new agreement based on the current balance of {$2600.00}. I was told $ XXXX was required to satisfy the account. It is evident TD/Target Credit is trying to collect 2-3x more on the account as we all know the charge-off ( bad debt ) was transferred or sold to a collection agency for pennies on the dollar and then reinstated to collect from me again. Not to mention, TD/Target Credit One filed this charge-off as a loss on its balance ledger to the IRS. This is causing an adverse effect with my federal employer and my clearance which is a requirement for my continued employment and an extreme hardship to my credit report. I have since been extended new credit with TD/Target Credit and the account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: EQUIFAX, INC.
State: MO
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:
After a careful review of my credit report I discovered an unknown and unauthorized account inwhich I'm disputing and demanding be removed from my credit report. I would like to know when did this come about, who reported it and what physical contract does the creditor have that confirms my true identity to this account. Please remove/ block this disputed account, ( 1 ) XXXX  XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/XXXX, I submitted a CFPB complaint { Complaint # XXXX }, to Experian, about a FRAUDULENT Hard Inquiry on my Experian Credit Report. The FRAUDULENT Hard Inquiry is from XXXX XXXX XXXX, dated XX/XX/XXXX. It is FRAUDULENT because I never DIRECTLY gave XXXX XXXX  XXXX permission to access my Consumer Credit Report. Experian and XXXX XXXX XXXX both refuse to delete/remove this FRAUDULENT Hard Inquiry from my Experian Credit Report. So my only chose was to let time take care of this FRAUDULENT Hard Inquiry. Federal Law require Hard Inquiries to be deleted/removed from Consumer Credit Reports in 2 years ; As of today, XX/XX/XXXX, it is well past 2 years, and this FRAUDULENT Hard Inquiry is still on my Experian Credit Report { See attached Experian Hard Inquiry 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 2018-11-16
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was notified by the police that I am a victim of identity theft, so I requested a credit report. I see several items on my report that do not match my personal information. One of which is a card that was opened in XX/XX/2017, Nordstrom/XXXX XXXX XXXX. The Credit limit is {$300.00}. It has never been paid late or missed payment, but I do not have this card and never have. Address ID # XXXX There is no phone number available, so I am unable to contact Nordstrom.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021, at XXXX I checked my XXXX XXXX with Experian XXXX which was at a level of XXXX. The next morning at XXXX, I checked my credit score again to find it at a level of XXXX. My credit score had been decreased by 14 points in a matter of 7.5hrs. My credit score has been holding firm with XXXX then a ONE point increase for atleast 4 months. There have been no negative activities in connection with my credit what so ever. I have received a credit card increase twice within those 4 months previously mentioned. My bills as-well-as 3 credit cards have been paid in full for the last 12 months. Why and how is this possible? How do you increase ONE point for good work then turn around and decrease 14pts for no apparent reason? ( In a matter of 7 overnight hours )

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 2018-11-16
Company: Experian Information Solutions Inc.
State: AZ
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 notified by the police that I am a victim of identity theft. I requested a copy of my credit report. There are several addresses listed on there that I never used or lived at. One of which is XXXX XXXX XXXX, XXXX, AZ XXXX. Address ID 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 2018-11-16
Company: Experian Information Solutions Inc.
State: AZ
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 notified by police that I am a victim of identity theft, so I requested a credit report. Upon reviewing the report, I see addresses listed on there that I never used or lived at. One address is XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AZ XXXX. I believe this address belongs to XXXX XXXX. Address ID 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 2021-03-25
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
CREDIT ACCEPTANCE CORPOR has placed this on my credit and I have tried to dispute the amount with my loan officer ( XXXX XXXX ). After we sent a request to XXXX  the balance, they state I owe {$9200.00} when the high balance was {$5300.00}. Also, they sold the car in an auction thus collecting income and still saying I owe {$9200.00}. I feel they have improperly charged me, not reporting the accurate amount in hopes of me paying more than I owe which violates the Fair Credit Reporting Act, and possibly the Fair Debt Collection Practices Act.

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 2018-11-16
Company: Experian Information Solutions Inc.
State: AZ
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 received a call from the police notifying me that I am a victim of identity theft, so I requested a credit report. Upon viewing my report, I saw addresses listed there that I never used or lived at. One of which is XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. Address ID 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 2018-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After reviewing my credit report, there's 2 inquires that has been fraudulently or mistakenly put on my report. The inquires are XXXX XXXX  ( XX/XX/XXXX ), XXXX 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 non-monetary relief
Consumer complaint received 2018-11-16
Company: Franklin Credit Management Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I set up to have AUTO-PAY withdrawn from my bank account in XX/XX/2018. The amount would be XXXX monthly payment with an addition XXXX for principal ONLY as well. This payment is schedule to be withdrwan the XXXX of every month! 

I signed & submitted all necessary document to have this matter take place. I spoke with the personnel responsible to handle this ( XXXX XXXX ) and still my Account is not being honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: TekCollect Inc.
State: AZ
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 received a call from the police, notifying me that I am a victim of identity theft, so I requested a credit report. Upon viewing my report, I noticed a item reported that I know nothing about. The collection agency is Tek-Collect. Charge of XXXX reported to collections on XX/XX/2018, No Data on XX/XX/2018 and reported to collections on XX/XX/2018. No further reporting as of now. I tried calling Tek-Collect, but I can not get through to anyone. It just hangs up. The Original Creditor is XXXX XXXX XXXX. I have no idea what this could be for. I never received any correspondence from either 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 2019-01-08
Company: AG AH LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a newly constructed home in XX/XX/XXXX. My added assessment tax bill issued in XX/XX/XXXX was for 9 mo. My new lender raised my payment {$600.00} per month because they are basing my final XXXX tax bill on the 3rd QTR Added Assement bill. I have spoken to them 3 times. I have sent them the tax bills and assessment letter from XXXX XXXX showing my completed assessment but they will not fix the escrow analysis and correct my payment. I can not afford to pay {$600.00} extra a month because they are estimating my taxes {$3500.00} higher than they actually are. I dont know what to do. I shouldn't have to refinance a mortgage to fix an escrow problem. They will not let me speak to the tax company who prepares the analysis but no one at the mortgage servicing department seems to understand how taxes are billed in NJ. What can I do. this is a complete hardship

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: AXOS FINANCIAL, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I agreed to have my 2018 tax return sent to an Emerald Card XXXX XXXX XXXX XXXX. The bank that owns the Emerald card is Axos Bank. I was convinced by XXXX XXXX XXXX XXXX that this was the quickest best way for me the customer. However, none of the fees were explained to me so I was not happy with this arrangement in 2018. I took all of the money off the card and the account has been closed for over a year. When the IRS tried to send my stimulus check to that account the payment should have been rejected but Emerald Card did not reject the payment, they held my money. After a week of checking the IRS website waiting for it to be rejected back to the IRS, I called Emerald Bank. The customer service representative told me that her department didn't handle these rejections and when i asked to be transferred she told me that she didn't even know how to transfer me or reach that department. Once again they coerce me into taking another/new Emerald card stating that this solution would be faster than trying to reach whatever department would have rejected the payment since she didn't know how to even reach this department. The new card arrives and the automated system can't activate the card because the information doesn't match what's in the computer ( presumably the old account info that is closed ). At this point I've called Emerald Bank and XXXX XXXX XXXX XXXX   six times over the last two weeks and have spent no less than 8 hours on the phone, most of that time on hold, and many times nobody ever answered. I'm writing this complaint while currently on hold with them. I've been on the phone over 1 1/2 hours, first customer rep explained several times how the IRS works after I explained to him several times that we are a week past that problem. XXXX XXXX XXXX XXXXEmerald card already has my money from the IRS, I'm trying to get it from them. Their pamphlet ( in really fine print at the bottom ) says the only way I can get my money with no fees ( remember I did not ask nor did I want my stimulus check to go to them ) was a one-time ACH electronic transfer. There is NO button or link on their website for this option. Asked to speak to a supervisor, phone rang for 15 minutes and then it just stopped ringing and nobody ever picked. This company is either completely incompetent to handle peoples money or they are purposely being dishonest/disingenuous for their own gain. ( 1 hour 40 minutes, Emerald just hung up on me ) Either way, incompetent or dishonest, doesn't matter. this company should  never be allowed to touch anyone 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was notified by the police that I am a victim of identity theft, so I pulled my credit report. There is personal information on there that has not ever belonged to me : A wrong number and several incorrect names listed with name id numbers. The phone number XXXX is unknown to me and when I call it, it says " customer unavailable to take your call ''. My name is misrepresented 3 times.

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 2018-11-16
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ability Recovery Services is currently reporting a debt of {$130.00} from XXXX XXXX XXXX XXXX on my credit report. To date, I have never received the required validation notices for the account - actually I have never received any written notification regarding the account balance or any information validating the debt. Clear violation of FDCPA.

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 2018-09-13
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 is missing that should be on the report

Complaint:
Equifax refuses to add positive payment information regarding my account. They claim that XXXX XXXX   card asked them to delete this information. XXXX XXXX claims that Equifax blocks the positive information to report on my file. My credit score is suffering because my on time payment history is not reporting. I have sent numerous letters to Equifax and XXXX XXXX to have this resolved and both companies complain and state that it is the fault of the other company without resolution to the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Experian Information Solutions Inc.
State: NY
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:
there are unrecognized accounts on my credit 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 non-monetary relief
Consumer complaint received 2018-11-16
Company: NAVY FEDERAL CREDIT UNION
State: MD
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 tried numerous times to get this company to validate their claim that I owe. They are unable to produce any evidence that I owe them. I believe this account might be related to my ex-husband. I would like them to produce a signed contract or remove this entry from my credit report and cease all communication with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was just called by an automated system on XX/XX/XXXX at either XXXX at XXXXCST or  from XXXX at XXXXCST and stated a complaint had been filed against me, gave me the account # # XXXX and that I needed to call them. at XXXX. 

I called and a gentleman ( putting it kindly ) by the name of XXXX XXXX essentially said are you " my name '' and I said yes. He stated I owed {$440.00} to " Ace Cash Express '' and I said who is that. Then he basically berated me for about 45seconds without me saying anything then told me I'm suing you for over {$2000.00} in court or pay me the $ 400+ amount and hung up.I didnt even have a chance to say okay I'll pay. Even though I dont know who this gentleman is. 

I've called the Ace Cash people and they dont have any knowledge of it. I'm not sure what to do. I have a good job, make decent money and can afford to pay it if I owe it. However, I dont know what this if for. I've never received a bill or any documentation. If I owe a debt I have no problem paying for it. The only debt I currently have is my mortgage and student loans. My XXXX and XXXX are paid and I'd like some help figuring out what to do. I wont use the words he used but this really upsetting. XXXX XXXX number is XXXX I do remember getting a payday loan back in the early XXXX 's era but paid that. 

I would appreciate any assistance you guys can provide me. Many Thank, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: ZIONS BANCORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have lost my debit card on XX/XX/2020 and XXXX unauthorized transactions were made against me. This drained my account and left me with a {$22.00} balance. After speaking to Amegy bank, they denied my claim because they think I still have possession of my card even though the reason I called was to report my card stolen/lost.

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