BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-22
Company: Experian Information Solutions Inc.
State: NC
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:
MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I DID NOT OPEN THESE ACCOUNTS THEY DO NOT BELONG TO ME IT IS NOT MY DEBT I am writing to request and initiate a formal complaint against XXXX, XXXX   and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate 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 Service 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 2019-03-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I discovered this new account on my collections report and this information is incorrect! This college continues to sell this negative account to different debt collectors giving my PII to random companies and I do not owe this debt! this is my second time disputing this same information and I will be seeking legal action for fraudulent charges. I do not owe this college any money I withdrew the correct way I returned all materials and I have never stepped foot into any of their classrooms this is a fraudulent charge and I refuse to pay or have this negative information reported on my credit report. I demand a written contract with information that states I attended and owe this college AND this collection money with verifiable proof ie, dates and contract with my signed signature this is a violation of the FCRA and I demand to have this negative information removed my report. Dated XX/XX/2019

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 2018-07-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a civil complaint on XX/XX/XXXX stating I was being sued for a debt that was bought from a credit card I was told I previously owed on. This was this first and only communication I received from this company stating I owed this debt. They show in court documents a statement stating this account I previously had has a new home. I never received this information. The court documents say this prior account was purchased on XX/XX/XXXX. The amount they claim I owe is {$2100.00}. I have never received any mail, phone call, or documentation stating I owed this company money prior to the lawsuit. In the three years they have had this account no documentation was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I received a promotional mailer for TD Bank at our house address. It required a minimal amount of money direct deposited to a new TD checking account in order to receive {$300.00}. My wife and I went into the TD Bank XXXX, SC location on XXXX XXXX. and met with the ( branch manager? ) XXXX. We brought the promotional flyer in and setup our Checking and Savings accounts accordingly. We exceeded the minimum monthly direct deposit for many months. Around XX/XX/XXXX I stopped in the bank ( XXXX location ) and spoke with XXXX - who confirmed that we had met all the eligibility requirements, but were now just waiting for the credit - and that it could take some time. I accepted that as an answer and moved on. On XX/XX/2018 I called the XXXX branch and requested information about where the credit is - since enough time has passed for TD Bank to honor their end of the deal. I was told I would receive a call back - which never happened. I called today ( XX/XX/XXXX ) and spoke with XXXX XXXX - who could not provide any information about where my credit was or what was going on. I insisted that I speak with someone else and got a different number which led me to XXXX ( XXXX, SC office ). She informed me that she had looked into this matter and had attempted to call me at the end of XX/XX/XXXX. She told me she left a message, but I have not received any proactive communication from TD Bank regarding this situation. The bank has my email address on file, but I never received an email. They also have my correct physical address on file, but I never received a letter. XXXX also informed me that " the customer did not receive a mailer '' was the response she received from TD Bank research department. This SHOULD have been something caught when we opened the account in-branch ( with the flyer in hand ) for this specific reason. I requested to escalate this higher and XXXX gave me the number to XXXX XXXX. I called him and he is not available. I have several other local bank accounts and this bank is the worst. They are slow, have terrible customer service, don't call you back - and nobody seems to know what is going on. My wife and I signed up as NEW TD BANK CUSTOMERS just because of this bait and switch offer that they are not wanting to honor. On XX/XX/XXXX I read this complaint to XXXX in order to verify that all of this information provided in this complaint is as accurate as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
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 already reached out to the credit bureaus and to TOYOTA MOTOR CREDIT and notify them of their error posting of information on my report. I never missed any payment on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Paypal Holdings, Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I was given a debit card I never asked for by Paypal. I think someone might have opened an account in my name. Paypal said they couldn't do anything without the debit card number. I shredded the card already though. 

I already had to close a credit account someone opened in my name with Paypal in the past. Even after Paypal closed the fraudulent account and knew the account wasn't mine they sent a collection agency after me and I had to tell the collection agency I never opened the account. 

Very frustrating that after I have already had one fraudulent account opened in my name Paypal is doing nothing to prevent it from happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This issue has been happening during last two months for at least 11 times. My credit card is the Chase Sapphire Reserve, whose annual fee is {$390.00}. The first time when I used it is in the XXXX Airport in the XXXX XXXX Koisk, I was trying to pay the luggage fee, I tried at least 10 times and even the XXXX XXXX service representative also helped me to go through, but still have problem to pay. It took me 20 minutes and I have to use another card and it works. Since the Reserve have 3 % cash back for traveling, but it doesnt work in Ariport, very weird and I feel Chase is pretended for me to not use in the 3 % category transaction. This issue also happened when I was trying to use in my local ice cream shop and even buying a French Fries, all happen in the 3 % category transaction. Since I can still use it for the other places and doesnt have this issue. Sometimes it shows a processing error and when I used another card, there is absolutely no issue at all. I feel so disappointed and frustrated since I paid {$390.00} per year but I even couldnt successfully buy an ice cream or fries in local stores. This card is always my top credit card in my wallet and sometimes I only carried this card in my wallet. Since this card cant go through, I even have no way to buy food! The {$390.00} annual fee doesnt worth its value. I think Chase is cheated on me even for its very basic value/function. I questioned that if I paid {$390.00} per year but cant even use my card successfully, this doesnt make any sense. Another thing is : the Chases customer service is soo poor, I wait for 12 minutes to connect with a representive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Northstar Location Services, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Continuation of complaint XXXX CFPB did not take appropriate action for XXXX to cease attempting to collect a fraudulent and invalid debt. XXXX was sent billings for 2 years regarding the time spent of many phone calls and letters. 
The right of offset was exercised and XXXX was notified many times of those terms. The amount has been paid in full. The continued fraudulent activity has resulted in additional fees. XXXX fraudulently turning the amount not owed to a collection agency without providing the detailed correspondence for two years has resulted in additional fraud fees. 
The CFPB must take action to prevent further fraud by XXXX. You are not a pass through organization. Your responsibility is to take action against these banks in conjunction with other Federal Agencies. I expect the CFPB to do so immediately. 
XXXX has continued perpetrated the frauds over many years. Someone must be charged, convicted and put in prison! We are a nation of laws. Without them marxism and lawlessness prevails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I didnt want the dispute for {$500.00} to be opened up with Citibank in the first place and I was giving a temporary credit of {$500.00} and I dont have the money or used due to multiple fraudulent charges on my Citibank account ending XXXX and I called in the middle of XXXX not XX/XX/XXXX to close the dispute out and I was told by the supervisor of Citibank it will go back to the merchant which is XXXX XXXX XXXX ... this dispute was open in a error on Citibank end and I never wanted this dispute to begin in the first place and Citibank rebilled me for this charge in the amount of {$500.00} on to my checking account ending in XXXX and holding me liable for it But didnt return the money back to the merchant since they have try to challenge the dispute and I didnt open this dispute with XXXX XXXX XXXX at all

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 2019-03-24
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I graduated from XXXX XXXX in XX/XX/2003 with approximately {$92000.00} in Federal Loans with a combination of unsubsidized and subsidized loans. I consolidated them into one loan with a very low interest rate ( approximately 3.00 % ). XXXX was my servicer, but then Navient appeared on my documents. Prior to that it was the XXXX XXXX XXXX XXXX ( XXXX ) I believe. During that time, I had a medical issue and was unable to work and was receiving XXXX from a XXXX insurance policy that I bought previously ( which only lasted 2 years ). To avoid default or late payments, I filed forbearances, deferrals, and the hardship exception ( once after calling them back and telling them that I qualified for it because I did not realize I did and went on forbearance ). Over the course of those years, I was never offered the Income Driven Repayment Plan for a possible $ XXXX  monthly payment ( I had no income and needed the XXXX money to pay for medical insurance and living expenses ). Over the course of approximately 7 years, {$50000.00} in interest was added to my school loans. I now owe {$140000.00} even though I graduated with {$92000.00} in loans. It seems crazy to be charged half of what I owed in interest for 7 years at a 3 % rate while trying to recover medically and returning to the work force. I am currently with XXXX XXXX, have consolidated Direct Loans, and I am working toward the Public Service Loan Forgiveness ( PSLF ) Exception to try to have some of this interest forgiven. However, I have 7 years to go before forgiveness is an option. I am a XXXX XXXX XXXX  working in a low income school district which qualifies for PSLF. My payments just went from $ XXXX/mo to $ XXXXmo because of my salary. I don't believe that I owe an additional {$50000.00} in interest. I need someone to review these accounts to see if there were any deceptive practices or other causes of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: EQUIFAX, INC.
State: MA
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2019-03-24
Company: EQUIFAX, INC.
State: NM
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: Other problem getting your report or credit score

Complaint:
My information was stolen when the data breach occurred and I had my credit report Frozen as per the identity theft.gov website. 

I have been trying to get my Equifax credit freeze lifted and can not successfully interact with a company. 
After I answer the challenge questions and identify what the issue is their computer system forwards me to a customer service representative at a toll free number ... the customer service representative ask me the same challenge questions that computer did however they go on and ask additional questions that I can not answer.. The attached letter that was subsequently notarized and sent to Equifax via certified mail explains this. 

I need to have this credit freeze permanently lifted so I can continue on with my life

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently looked at my credit report and discovered a collection account that started with a company called Speedy Cash. I contacted them and the information I provided, validated that this debt was not mine. I then got this message from the Speedy Cash people : Speedy Cash is in receipt of the complaint filed with the Bureau of Consumer Financial Protection Bureau ( BCFP ) by Mr. XXXX XXXX. Speedy Cash understands that Mr. XXXX BCFP complaint relates to debt collection practices. Speedy Cash was unable to locate a customer loan account matching the personal information provided by Mr. XXXX in his complaint. Without obtaining further identifying information, it is impossible for Speedy Cash to investigate Mr. XXXX complaint. We urge Mr. XXXX to call Speedy Cash directly at XXXX to provide additional information so that we can identify a loan account, if any. 

First, the phone number provided does not work! Second the person opened this account and has made payments at location in XXXX, Texas. They even tagged me with a XXXX, Texas address. THIS IS NOT MY ACCOUNT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: ALLY FINANCIAL INC.
State: PA
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 recognized a few hard inquiries on my credit report I have no idea on how they got on there. I did not give permission to search my credit report because I have a vehicle I am already financing and I did not need any other banks looking at my account. The hard inquiries are messing up my credit score and I am trying to buy a house for my family. So if you can find it in your hearts to remove the inquiries that would really be helpful Thank You!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

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