BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I settled a debt reported on Credit report with Nordstroms through their third party collector. I am in the process of a mortgage. I am know being denied a mortgage because Nordstroms and the credit agencies refuse to update the information. I have contracted Nordstroms, the credit agencies and opened disputes all have been closed. The charge off appears on my credit report lowering my score showing unpaid. The creditors refuse to update the file with correct information and are violating the FCRA and resulting in me and my children possibly not having a home to live in as our lease is set to expire. Your help is greatly appreciated. 

Payment cleared my financial institute on XX/XX/2020. XXXX  and XXXX  have both denied my disputes and refused to update my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
credit company ( Equifax ) will not remove this and the opening date is incorrect name : XXXX XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX balance amount : XXXX status : closed Credit company ( XXXX ) will not remove this old account, this account is closed but they have it listed as opened. 
name : XXXX date opened : XX/XX/XXXX balance date : XX/XX/XXXX pass due amount : XXXX balance amaount : XXXX 1.Credit company ( XXXX ) will not remove this old account delinquencies name : XXXX XXXX date opened:XX/XX/XXXX balance date:XXXX account status : as agreed 2.Credit company ( XX/XX/XXXX ) will not remove this old account delinquencies name XXXX XXXX XXXX  date opened : XX/XX/XXXX balance date:XX/XX/XXXX account status : as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified by mail multiple times by Portfolio Recovery Associates, LLC of an alleged debt. To which I found multiple violations pursuant to 15 USC 1692 ( Fair Debt Collection Practices Act ). I then mailed them an Affidavit, Bill of Particulars ( Invoice ), and Cease and Desist notices on XX/XX/XXXX which they received on XX/XX/XXXX and had 10 business day to respond to. They then proceeded to respond by sending me a statement in the mail which I received on XX/XX/XXXX but dated XX/XX/XXXX after failing to respond to my affidavit defaulting and disregarding my Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a checking account with Chase Bank on on or before XX/XX/XXXX where I transacted a couple of times. I received a letter dated XX/XX/XXXX stating that my account could no the opened due to my credit score. I question the motive behind the closure of my account since I had already received in the mail a welcome letter which included my debit card. I'm in the XXXX XXXX for 28 years and do believe that banking institutions have regulations you are here to uphold as e do in the XXXX XXXX XXXX. Why would they open my account which I asume all relevant due diligence was conducted during my application process, a credit report take s 2-5 minutes to run by man hands, in the event they uses and automated process takes seconds. I question the moraine when Chase bank sends me a letter dates XX/XX/XXXX in response to my complaint call on the XX/XX/XXXX same month. The letter states " The agreement between us either you or us may close the account for no reason. later in the letter they state we are not required to give you a reason for the decision to close your account. when you state originally that the reason for the closure of my account was my fico score which you could have known or did know at the point of my application, why then wait till I used the account, close dry XXXX XXXX XXXX account to leave me with our my money or account. I believe this requires further investigation in your part. I will respect your funding positive or negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
International Wire Transfer Request Date : XX/XX/XXXX Amount  sent:XXXX dollars The TD Bank representative assured me that money will be available within 2 days. TD Bank promised to make it available for use of recipient : XX/XX/XXXX The money is still not available to the recipient till date -- XX/XX/XXXX. I have been continuously following up with TD Bank since past two months on it, I made more than 20 phone calls but nothing worked out. throughout this process they have been providing me misleading information about the status of wire. Initially, I realized that they did not have enough knowledge/experience for working with international wires which is causing the delay. There is a lot to tell but to be precise they told me that on XX/XX/XXXX they have sent the money to the recipient bank and TD has put a confirmation tracer on it no sooner it get credit to the recipient account TD bank will get informed and they will let me know. But even after the lapse of 2 weeks the funds were not credited to the recipient bank. First the branch representative told me same story that they have sent the money to the recipients bank. I asked him to provide me some reference number or document as the recipient 's bank told me that they did n't received anything from you.Upon this the TD bank 's representative told me that they even did n't sent the money to them yet. The wire is still with some sort of intermediary bank called XXXX XXXX. It make me to think that it is a fraud/scam which they are committing with partnership of intermediary bank XXXX XXXX. TD bank stressed me out over the past two months.Several time they lied with me that the money is with the recipient bank. accordingly we checked with the recipient bank upon their denial I contacted back with TD and each time and they told me a different story. Now TD bank 's team have started to almost harass me.Therefore, it looks like that they are deliberately want to just steal my money with partnership of XXXX XXXX. Nothing can be worse that TD bank when it comes to money transfers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-15
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX debt collecting company wrongfully filed a debt from XXXX XXXX XXXX purported to have happened in XX/XX/XXXX ( 15 years ago ) on XX/XX/XXXX. I did not have any XXXX XXXX service but recall complaining about it to XXXX XXXX over 01 year ago. 

On XX/XX/XXXX, I called and spoke with XXXX XXXX agent. I ask the agent to remove the credit reported on XXXX for nothing I owe which was purported to have happened 15 years ago. After waiting for about an hour on the phone with the agent, the phone was hang up. 

Thank you for your help on this abusive and illegal credit reporting by XXXX   XXXX. The company 's address and contact is : XXXX XXXX XXXX XXXX XXXX, WA 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 2020-05-21
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I settled a debt reported on Credit report with XXXX  through their third party collector. I am in the process of a mortgage. I am know being denied a mortgage because XXXX  and the credit agencies refuse to update the information. I have contracted XXXX, the credit agencies and opened disputes all have been closed. The charge off appears on my credit report lowering my score showing unpaid. The creditors refuse to update the file with correct information and are violating the FCRA and resulting in me and my children possibly not having a home to live in as our lease is set to expire. Your help is greatly appreciated. 

Payment cleared my financial institute on XX/XX/2020. Experian and XXXX  have both denied my disputes and refused to update my information.

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 2017-08-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$12000.00} DPT ED XXXX XXXX {$4000.00} DPEDXXXX XXXX {$4000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$3500.00} XXXX XXXX {$400.00} DPT ED XXXX XXXX DPEDXXXX XXXX {$2200.00} DPT ED XXXX XXXX {$4100.00} XXXX XXXX {$0.00} XXXX  XXXX {$1300.00} DPT ED XXXX XXXX CHAPTER XXXX BANRUPTCY FILED

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 2019-03-14
Company: CITIBANK, N.A.
State: CA
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:
I have a XXXX XXXX XXXX XXXX credit card that I manage via XXXX XXXX website : XXXX. Approximately two years ago I updated my contact info ( Home address and E-mail address ). Apparently this info was only updated for my XXXX XXXX store account, and not my credit card account. This was not made clear to me, nothing in XXXX XXXX website suggests that contact info is to be updated via a separate website. In this case, Macy 's credit card website. A site that I never dealt with. All my transactions and payments are made via XXXX XXXX " XXXX '' website. 

On XX/XX/XXXX I made a XXXX gift purchase of {$54.00}. A purchase that I forgot about. Past due and fee collection attempt notices were never sent to my current home address and/or e-mail address. Instead, only e-mail notifications were sent to an e-mail address I no longer use. 
I ended up accruing late fees without my knowledge. Late fees that were more than twice the sum of my initial balance. A total balance of {$120.00} which I paid ( on XX/XX/XXXX ) once I learned of the past due balance. I learned of the balance when the past due notices showed up on my credit report. 

I contacted XXXX XXXX and spoke to at least two escalation managers from their credit division explaining my situation. I explained that in it's currant format, their XXXX website can lead to communication issues such as mine. The managers refused to reimburse the late fees, much less remove the past due notices sent to the three major credit bureaus. 
I feel victimized. I believe this is borderline credit fraud. 
I was lead to believe that my contact information was updated, with both XXXX XXXX online store and their credit card division. 
I have included screenshots of my XXXX profile, which shows credit card management accessibility. Also is a screenshot of the XX/XX/XXXX order that shows my current home address and e-mail address, indicating that XXXX XXXX had my latest contact info at the time. 
I have also included bank statements to prove that I had ample money to pay the balance of the XXXX XXXX XXXX XXXX account. 

Side note, I checked my XXXX XXXX XXXX XXXX account via the direct website and found that Macy 's was still using my old home address and e-mail address. 
I checked this when Macy 's explained their case. However within a few days of reaching out to them, they went ahead and updated my contact info without having asked me. In my mind, they did this in an attempt to cover their tracks. 

Thank you for your time, and I apologize for the length of my 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 monetary relief
Consumer complaint received 2017-08-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX XXXX {$11000.00} XXXX  XXXX  XXXX {$12000.00} DPT ED XXXX XXXX {$4000.00} DPEDXXXX XXXX {$4000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$3500.00} XXXX XXXX {$400.00} DPT ED XXXX XXXX DPEDXXXX XXXX {$2200.00} DPT ED XXXX XXXX {$4100.00} XXXX XXXX {$0.00} XXXX  XXXX {$1300.00} DPT ED XXXX XXXX CHAPTER XXXX BANRUPTCY FILED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRUIST FINANCIAL CORPORATION
State: TX
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:
I need the account number changed.

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 2020-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently discovered on my credit report accounts that I did not recognize, so I contacted XXXX XXXX XXXX and requested evidence that the debt was mine. I requested this information so that I could be sure of what debt came from where before I started paying off anything. I then contacted XXXX and TransUnion to let them know that I have asked XXXX XXXX XXXX to validate the debt as mine. XXXX XXXX XXXX received my validation request on XX/XX/2020, and TransUnion and XXXX received my notice that a request to XXXX XXXX XXXX was sent on XX/XX/XXXX. I see that both my XXXX and TransUnion reports were updated and now show that the accounts are in dispute ; I requested to XXXX XXXX that they temporarily cease the reporting of these accounts during my investigation, and I requested that XXXX and TransUnion enforce the FCRA and stopped any reporting of invalidated debts if XXXX XXXX XXXX failed to do so. None of the 3 parties involved have temporarily removed the accounts and are currently violating my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Southwest Credit Systems, L.P.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX wrongfully placed me into collections. They claim I have an outstanding bill of over {$600.00}, yet they have failed to supply me with proof of the debt via mail. I have not lived at that address since XXXX of XXXX and they are claiming I had service in XXXX of XXXX. At that time I had a tenant living in that house. This is regards to XXXX XXXX XXXX XXXX XXXX. I moved to XXXX  in XXXX and we do not have XXXX XXXX out hear.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: Experian Information Solutions Inc.
State: OH
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:
I sent in paperwork to remove these negative items from my credit report on XX/XX/17 and still several months later haven't received any response about these fraudulent items being removed from 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 2019-08-21
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been paying a debt over the phone. They told me multiple times after one of the balances was paid I would be able to pay online. Now they are saying that is incorrect. I have Never received anything with account balances, original debtors, or dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: WELLS FARGO & COMPANY
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: Their investigation did not fix an error on your report

Complaint:
Ive put I. Multiple disputes with XXXX regarding Wells Fargo personal loan reporting 60 days past due XXXX - XX/XX/XXXX. I submitted documentation provided loan details never late. However its was removed from the XXXX  profile so how it reporting again as 60 days past due which its hurting my credit score. This negative information is impacting my credit worthiness. I spoke to a supervisor on XX/XX/XXXX her name is XXXX reference # XXXX. She open another dispute with Wells Fargo. This the 6th dispute within a year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed whatever I can proved that I am not in the state while they open my card through capital one, but their decision still remain unchanged. What is the reason for that? Look through all the transaction that they have made. Its all in the state. As I mention previously. I am not in the state during that time. How am I suppose to used all that? And did you guys not check the date on all the transaction? And the time that I left the state. Please check it carefully. I also filed a claim through FBI website, for internet crime. ( I have attach it below ). Am I not clear enough with what happened? I do not get the point that the decision remains the same. Give me a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: MS SERVICES LLC
State: NC
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:
My bank, XXXX XXXX XXXX XXXX, allegedly submitted a collection to MS Services in the amount of {$150.00}, but I do not owe the bank any money. The bank denies submitting the claim to the collection 's agency and my final statement clearly shows a zero balance and that I do not owe anything. Especially given the times, I am unable to open a bank account or get a credit card and need this matter fixed immediately. I sent the collections agency a letter, as they were extremely rude and would not work out the oversight over the phone on XX/XX/2020 and I would really appreciate some assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation