BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I applied for credit with XXXX and was told my identity could not be verified. I have contacted Experian several times to ensure there is no security freeze on my report. I logged into their website and verified there is no security freeze on my credit profile ; however, creditors are still unable to verify my identity.

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 2019-11-13
Company: Comerica
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Received SSI deposit on XX/XX/2019. All of the funds were taken from my account without my consent on XX/XX/2019. I contacted the bank on several attempts to dispute but was on hold over an hour with no one to come to the line. I monitored my account for days and observed deposits placed and removed. One deposit for {$15.00} then XXXX balance. Another day a deposit of {$60.00} then immediately after less than {$1.00} balance. The card has not been used by myself and is in and always has been in my possession. I have yet to be able to speak with anyone from US DIRECT EXPRESS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP A MOBILE PHONE ACCOUNT, A PERSONAL LOAN, AND INSURANCE IN MY NAME WITHOUT MY KNOWLEDGE. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST XXXX, TRANSUNION, AND XXXX CRA # XXXX '. ON XX/XX/2020, I MAILED XXXX, TRANSUNION, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE A FORMAL INVESTIGATION INTO POSSIBLE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND POSTAL INSPECTION SERVICES FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.

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 2018-07-10
Company: Experian Information Solutions Inc.
State: FL
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:
I Received an alert that someone tried to use my identity to apply for a XXXXXXXX XXXX card. I contacted XXXXXXXX XXXX immediately after and disputed the inquiry. I spoke with XXXXXXXX XXXX  SEVERAL times and was promised by THREE DIFFERENT PEOPLE that this inquiry would be removed back in XX/XX/XXXX. As of today, XX/XX/XXXX, the inquiry still has NOT been removed from my credit report. I have attached the letter from XXXX stating it would take only 8-10 weeks to remove the inquiry but its been over six months. 

Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry removal : XX/XX/XXXX Category : Bank Credit Cards Address : XXXX XXXX XXXX XXXX, DE 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 non-monetary relief
Consumer complaint received 2018-07-10
Company: EQUIFAX, INC.
State: FL
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:
I Received an alert that someone tried to use my identity to apply for a XXXXXXXX XXXX card. I contacted XXXXXXXX XXXX immediately after and disputed the inquiry. I spoke with XXXXXXXX XXXX SEVERAL times and was promised by THREE DIFFERENT PEOPLE that this inquiry would be removed back in XX/XX/XXXX. As of today, XX/XX/XXXX, the inquiry still has NOT been removed from my credit report. I have attached the letter from XXXX stating it would take only 8-10 weeks to remove the inquiry but its been over six months. 

Creditor : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry removal : XX/XX/XXXX Category : Bank Credit Cards Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a letter from the debt collector, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. The letter stated that they were attempting to collect a debt for TD Bank in the amount of {$4300.00}. To dispute this false charge and account, I filed a police report, listing TD Bank and the amount owed. I was contacted by XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX by a representative urging me that I needed to pay the amount owed. After speaking with my credit monitoring service, I then requested an identity theft packet from XXXX. XXXX, & XXXX in regards to the falsely opened TD Bank account. On XX/XX/XXXX, I spoke to another representative from XXXX, XXXX, & XXXX and inquired about the identity theft packet because it had not yet been received. On XX/XX/XXXX, I received the identity theft packet with the following instructions : to include a police report and file an Affidavit of Fraud under the Federal Trade Commission. I mailed the identity theft packet with the appropriate documents to the address listed by XXXX, XXXX, & XXXX. On XX/XX/XXXX, I received a letter from XXXX, XXXX XXXX XXXX XXXX saying my claim has been deemed invalid. I then called XXXX, XXXX XXXX XXXX XXXX and questioned why it was deemed invalid, to which they refused to give any information. I then contacted TD Bank to find out information about the claim that had been deemed invalid, to which I have been given zero information and placed on long holds and transferred from department to department. I did not create the account for TD Bank and my goal is to get this fraudulent activity removed from my credit reports and get this fraudulent account fully closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX ( not XXXX XXXX ) has been reporting a charged off account on my credit reports. Only part of the account number appears on my credit report. I have not had an account for wired service with them for many years, certainly not with an open balance. 

When contacting them, the show no record of any XXXX accounts in my name and are unable to give a account number the reports refers to. But they still are reporting to the credit bureaus.

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 2019-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I disputed an account reported by XXXX XXXX. I was informed on XX/XX/XXXX that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report around XX/XX/XXXX or XX/XX/XXXX 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), Experian is required to notify me of the reinsertion in writing within 5 business days. 
" ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. '' I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

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 2019-08-09
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In or about XX/XX/XXXX I got a home equity line of credit for {$120000.00} Account number ending in XXXX. 

The account was an open line of credit and transitioned into a term loan ending in account # XXXX In XXXX filed for Bankruptcy. 

Included in the Bankruptcy from XXXX was CitiBank account ending in XXXX XXXX XXXX XXXX & CitiBank has made several attempts after bankruptcy to collect via phone calls, voicemails, recorded phone calls, and via USPS mail in XXXX and XXXX. A lien is also on the title of my home and is in and of itself pressure and an attempt to collect on this discharged debt. This is harassment. do not call me as I am represented.

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 2019-11-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used the bank for a long time, they let me open a personal checking account that I hardly use. During that time, I did not receive any statements, nor could I read it from online banking since it's not linked for some reason and I could not access onlinebanking properly. 

I found out a froud transaction on the account later when I have to go to another branch and go over all my transactiuons. I filed a dispute in XXXX, never hear back. I called many times, each time they told okay, then closed it, then reopen it. I do not have poseesion of the debit card at the time when the transaction occured. Filed a police report for lost items including the debit card. 

I am super busy doing XXXX  during COVIND-19, traveled during XXXX of 2020. Most times use my XXXX XXXX. 

The bank is unreasonable since the merchant could not provoide any evidence, the last time I heard from a rude guy from research department soon after I spoke with a lady who said ok and reopened. He said their decision is based on opinion while I am suffering and desperite for such a long time. How could they ignore it with so much facts and not to block a card, how easy it is to send an email, letter or text to notify me until they are clear of the transaction for such a big bank? How could they allow someone who use my card to do such amount of transaction? 

It's a horrible bank practice who's abusive, irresposnbile to long time customers, and they are repeatdtly misuse the previldege for having the problem with the accounts in their control!

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 2021-10-07
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XX/XX/XXXX I checked my unemployment debit card with Bank of America and noticed that there was a fraudulent withdrawal on there. I called Bank of America they told me they would re-issue me a card. They said DETR would open a new one for me due to the fraud. I said great the next day I went into my account to transfer funds and it was closed. I couldnt even log on. Call Bank Of America and the rep told me to call DETR and speak to them. I asked then what happened and they said that the unemployment office closed my account and call DETR unemployment. I finally spoke to somebody from unemployment today and they told me that Bank of America close my account due to fraud and they had to verify who I am. I have money in that account and I cant even access my money because Bank of America close my account. This is ridiculous that the bank is holding my money!!!!

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 monetary relief
Consumer complaint received 2019-11-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDLAND FUNDING LLC is reporting a debt and trying to collect on a debt that is not mines Ive wrote the company on multiple occasions in XXXX and XXXX to validate the debt with NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, I was unable to attach the XXXX  feedback to the complaint : XXXX. I am starting a new CFPB complaint to attach the document

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 2023-04-13
Company: VW Credit
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I XXXX XXXXi bought XXXX XXXX XXXX ACCOUNT NUMBER XXXX I TOTAL LOST MY CAR IN XX/XX/XXXX MY INSURANCE COMPANY TRIED PAID PAY OFF {$13000.00} AND THEY SAID NO WE NEED MARKET VALUE FOR THE CAR WHICH IS {$19000.00} and this never been disclose to me i never recive my contract because the delver the car to in 10 times attempscalling vw creidt and they send me one part contract is one millimeter and you can not read and get bigger exposure by XXXX machine state attorney general designed to protect virginia consumer and not bow to scam artist airbag and diesel law suit please i need answer and i am going to send this to us attorney general i think you have close down vw creidt in state va thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Debt Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On my XXXX  report there's a questionable collection notice from XXXX for XXXX and I haven't had anything to do with them in over 10 years but on the collection notice it states that I opened an account XXXX of 2017 which is not true. I disputed it on XXXX  and immediately resolved. But XXXX  their system will not let me do the same because it's always down. 
So this is my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
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: Old information reappears or never goes away

Complaint:
Equifax violated my rights by reinserting recently deleted fraudulent account on my credit report without notifying me within five business days. 

1. XXXX XXXX Account # : XXXXXXXX Balance :  {$2400.00} Date Opened : XX/XX/2019 2. XXXX XXXX XXXX  Balance : {$5200.00} 3. XXXX XXXX XXXX  Balance : {$1.00} Fraudulent Inquiries : 1. XXXX/XXXX | Date of Inquiry : XX/XX/2019 2.  XXXX/XXXX  | Date of Inquiry : XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: EQUIFAX, INC.
State: IA
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:
There are several unauthorized inquiries reporting on my Equifax report. Ive contacted each company and Ive also contacted Equifax several times regarding the issue. And they have yet to resolve the issue. I would like all non account holding inquiries validated. If they can not be validated, I would like them deleted from reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2005 an account was fraudulently opened by a relative with XXXX XXXXXXXX XXXX and it was never paid back and charged off in the amount of {$9700.00}. I sent notice for removal to XXXX and Transunion. They wanted more documents so I sent my FTC report and a ID Theft Affidavit to show it was not opened by me. They said they still would not remove that the creditor removed the block. XXXX XXXX sent me the forms for the ID Theft Affidavit. I advent had any response back from XXXX XXXX. I sent the documents two times to XXXX and Transunion. And still no removal.

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 2021-01-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection agency Portfolio Recovery Associates constantly sends me notices for an account that Ive never opened due to identity theft that occurred over 8 years ago. Its for a XXXX XXXX credit card and the balance theyre trying to collect is {$840.00}. Ive repeatedly advised them that I never opened this account. Im a victim of identity theft. Ive sent faxes and letters which theyve received. Now as of 2 years ago that fraudulent account has dropped off my credit report because of Statue of Limitations per New York State law. Now theyre constantly sending me letters stating that theyre well of aware the statue of limitations and legally i no longer owe this balance. Theyre using sneaky scare tactics trying to get me to pay for something that Im not responsible for. I used to work for a collection agency and I know these tactics. I told them to cease and desist. They ignore my demands despite they cant legally pursue me any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to get a modification loan with Wells Fargo for my mortgage in XXXX was denied and my home was foreclosed

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 2020-11-05
Company: Bread Financial Holdings, Inc.
State: LA
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:
Comenity Bank/XXXX failed to give me proper validation of this debt. 

I mailed Comenity Bank/XXXX a debt validation request on DATE certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation