BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
As an XXXX, I had provided services to XXXX & XXXX XXXX at XXXX XXXX XXXX in XXXX, NJ XXXX under a contract we'd signed in XX/XX/2022. 
While they paid the first two payments, they changed their mind and their project required additional work. As my agreement with them allowed me a range between $ XXXX in cost, I had therefore charged them additional funds ( total of {$11000.00} ). 
While this is irrelevant to you as a consumer financial protection bureau, the next part is. 
On XX/XX/XXXX, XXXX XXXX signed a TD personal check to me for the final amount of {$5500.00}. I deposited it in my XXXX XXXX  on XX/XX/XXXX and it was returned by my bank on XX/XX/XXXX with a strange comment : " warranty Breach ''. I went to TD Bank and they could not explain or help. I went to XXXX and they tried to recover more info. I emailed the chairman of TD Bank, who said it's a legal act : In response to your below e-mail, we have confirmed that Customers do have the ability to place stop payments on any check written from their account, provided the check has not already been cashed. The transaction can be stopped up to and including the posting date. 
At this time, your only recourse would be to pursue legal action against the maker of the check, who placed the stop payment. 
Thank you for allowing us the opportunity to review this matter. 
Regards, Chairman 's Service Center Office of the President and CEO TD Bank, America 's Most Convenient Bank I spoke to several legal professionals in the banking compliance field and they agreed that it's not legal to stop a legal tender signed not under duress, fraud or loss of check. 

If the payer had misgivings about their payment or agreement, they should have addressed it with the service provider ( Me ) rather than stop payment on a legal tender. 

Our economy is based on receiving payment for goods and services, if anybody could stop payment on their legal payment, forcing the receiver to spend time and money on collection of the checks they received in good faith, it'd crate havoc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: IL
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 have contacted Equifax special handling department and explained that I had received notification that someone had applied for some accounts in my name. I had called the companies and explained the situation and they noted the incident. I spoke with someone but they didn't seem to understand what I was telling them. I keep checking my credit report and these inquires are still listed. Please delete this FRAUD information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XX/XX/XXXXXX/XX/XXXX : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : # XXXX, XXXXXX/XX/XXXX ( Original Creditor : XXXX XX/XX/XXXX : # XXXXXX/XX/XXXXXXXX : # XXXX XXXX XXXX : # XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company is reporting account as open on monthly basis with a balance. Has yet to send a sign contract or a payment slip as requested and identifications. I need a sign lease with name and signature sent to me in XXXX days if creditors can not supply information deleted reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2022 I submitted my annual verification form for the PSLF program and received a letter from MOHELA dated XX/XX/2022 stating my paperwork would be processed within 10 business days. It is now XX/XX/2022 and the paperwork is still pending. I have tried to contact MOHELA multiple times - once using the " contact us '' messaging system available on their website and 4 times by phone. I have not received a response as of today from their " contact us '' form. Phone calls are met with extended hold times of multiple hours. These phone calls will disconnect automatically prior to the end of the estimated wait which then requires one to redial. I have as of yet been able to speak to a phone representative due to this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2022-10-28
Company: EQUIFAX, INC.
State: NV
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Genesis FS Card Services, Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Multiple charges were made with this card in XXXX when my wallet was stolen I have contacted the company several times to inform them that the charges were fraudulent the only thing they would tell me if ok we will look into it I have been getting the run around since XXXX this is affecting my credit score I have gotten absolutely no help with this at all my account is in the negative {$640.00} and they are telling me thats late fees which is a lie I have been getting lied to since XXXX I even tried to close the account I dont believe the closed it right away because charges were still being made on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX Repeatedly call me when I told him not to. Called on XXXX XXXX 2017 at XXXX XXXX and left voicemail at XXXX XXXX. On the call at XXXX I Told him the I had no information and person they were looking for was not at my number. Told him not to call my number any more. Threaten legal issues with my daughter even though I didnt give information. Said she owed money and he was a process server in XXXX XXXX county with warrant. On second call at XXXX I repeated not to call my number and hung up again. Left voicemail on call at XXXX with threat of going to my daughters work. Told me my daughter had an outstanding debt. Even called company with number left on voicemail XXXX to complain to no avail. Talked to XXXX XXXX then on XXXX XXXX 2017 at XXXX received another call from XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This debt has surpassed the statute of limitations. The date of last of activity was XX/XX/XXXX, the SOL is 3 years in maryland, yet it still appears on my credit report despite me contacting the company several times. This company is inaccurately reporting on my credit report a payment made in XXXX however, no activity has been made on this account since 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 2022-10-06
Company: Experian Information Solutions Inc.
State: IN
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 did not consent to, or authorize nor benefit from any of the following inquiries and information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experien is reporting a false debt and will not verify that the debt is obviously false. 

At the EXPERIEN site they are busy trying to sell you service after service. I've successfully removed an XXXX Debt at three other agencies because 1 ) The debt doesn't exist 2 ) The company XXXXXXXX is collecting for doesn't APPEAR to exist- some sort of Dentist according to XXXX 3 ) I haven't lived in XXXX in 20 years -- and EXPERIEN is reporting the addresses I've lived at 4 ) XXXX has a reputation for collecting fake debts. They've put the amount just high enough it doesn't make sense to hire a professional company to combat them. And they placed the debt EXACTLY as my bankruptcy was removed -- the guy I called there laughed when I told them I knew what they are up to XXXX ) The statute of limitations on debt in California is 4 years and according to Experien the debt has been attempted to be collected for since 2016 ... but the debt wasn't on my report in 2016. 

EXPERIEN is part of this attempt to rip me off as far as I'm concerned. And EXPERIEN has done this before. They failed to follow through on a dispute and later the company refunded the money the collection agency forced me to pay -- in order to get a mortgage. THAT PAID COLLECTION ACCOUNT COST ME THOUSANDS of dollars in the form of a higher mortgage rate. 

And now Experien is doing it AGAIN The information Experien already had contradicts this debt. And their website says they don't have to let me contest the debt again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXX. I do not have a contract with SOUTHWEST CREDIT SYSTEM, LP, they did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Subject : Formal Complaint Against Goldman Sachs Bank USA for Unjust Credit Practices Dear Representatives of the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Goldman Sachs Bank USA ( hereinafter referred to as the Bank ) concerning several applications I submitted for the Apple Card and the subsequent, seemingly unjust, denials I have faced, which appear to be incongruent with the principles and guidelines established under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). 

The denial reasons asserted lack of substantial credit history and insufficient payment history, among others, despite my maintaining a credit account with XXXXXX/XX/XXXX since XX/XX/XXXX, with consistent and up-to-date reporting until at least XX/XX/XXXX. These denials, combined with the ambiguous and inconsistent criteria employed to assess credit applications, seem to infringe upon the mandates of the ECOA that restrict discriminatory practices in credit transactions. 

Furthermore, my interactions with the Bank and XXXX have revealed disparities and contradictions in the management and communication of my credit information, its disclosure to third parties, and its utilization in credit decisions, potentially breaching the FCRA which stipulates the necessity for the accurate and fair communication of credit information. 

The following actions detail the aforementioned disregard for regulatory compliance and have imposed significant, tangible harm : Inconsistency and Opacity : Observable discrepancies exist between the information provided by the Bank and XXXX, and the covert use of third-party information in decision-making processes without clear disclosure of these practices. 

Neglect of Robust Credit Information : Denials have been issued using arguments of " insufficient credit history '' and " insufficient payment history, '' despite a demonstrated history of reliable credit management. 

Baseless Credit Denial : Differing reasons for credit denial have been provided across various applications, pointing to a lack of clear and consistent criteria in the Banks credit decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: NV
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXXXXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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