BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft NORDSTM/TD Account XXXX : XXXX This is not mine. 

4. Identity Theft TARGET/TD Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

8. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

10. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

11. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

12.XXXX Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Merchants and Professional Bureau, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sent information to the MERCHANTS AND PROFESSIONAL | XXXX which includes an affidavit asking them to supply the information requested in an attempt to verify the debt I asked them to provide a wet signature prooving they had the authorioty to collect this debtwhi h they hadn't responede too They also sent me a letter stating that if I paid the full amount of {$740.00} that they had authorization from the original creditor to settle the debt in full they have been given authorization by the original creditor to remove the collections account from my credit report. I called the original creditor whi h is Balfor and they stated they gave no such autorization as the debt has been sold to the collector MERCHANTS AND PROFESSIONAL | XXXX. To my understanding it is not good practice for a collections agency to offer this in an effort to get me to pay a debt where the information on this account is not accurate. the inaccuracy is the amount being owed. My rights have been violated and I would like help getting this account remofved from my credit reports. Please find the attached letter where they stated they had authorization to pay for delete from the alleged original creditor which is a false statement to collect a debt XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Date : Thu, XX/XX/XXXX at XXXXXXXX XXXX Subject : Inoperative Alarm w/ over 20 messages from ( XXXX ) To : XXXX XXXX XXXX To whom it may concern : To Ms. XXXX XXXX, I'm exercising my right from the last paragraph from the back of the payment coupon statement : Your rights If You Are Dissatisfied With Your Credit Card Purchases ... by not to continue to make payments for the rendering services of XXXX XXXX/ ( XXXX XXXX ). For the inoperable security system that was placed in my home on XX/XX/XXXX. We have constantly requested for reinstall are security XXXX XXXX/ ( XXXX XXXX since XX/XX/XXXX ) from XX/XX/XXXX to present, and now are bedroom window and the back door since XX/XX/XXXX to Ms.  XXXX XXXX XXXX ( XXXX ). My wife had expounded why she had great concerning for the safety of her grandson in bedroom 2. On XX/XX/XXXX the front door had set off a Pending Alarm ... and there was not one call from either XXXX XXXX XXXX / the Sheriff Office investigating the Pending Alarm. Attaching documental supportive evidences

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 2020-10-12
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Equifax failed to properly investigate and fix an error on my credit report. I contacted the company on 3 separate occasions beginning on XX/XX/2020 providing verification of inaccurate information and each time they failed to investigate and fix the error within a timely manner. The confirmation numbers are as follows : XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hey! I was advised by an attorney that I can file a complaint about your negligence. Two months ago I sent you a letter regarding inaccurate things on my credit report but to this day over 60 days already, I still got no response. I was told that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX  data breach and may got into hands of the wrong person and its your obligation to fix all these errors.

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 2018-04-17
Company: Experian Information Solutions 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:
Experian credit reporting company has not removed a old account on my credit report after it has been disputed 3 times or more it is not a correct account the amount are not correct and all other credit reporting companies have removed the account. I did not get any warning that this was building debt up to collection.

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 2020-10-10
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PDM Debt Mediation {$110.00} creditor : XXXX XXXX XXXX This creditor incorrectly used my medical insurance instead of XXXX insurance which covered the refraction. When I went to his appointment, I provided my XXXX insurance because I knew about my XXXX conditions. Specifically, I told them that I want to do my glasses but I have the XXXX condition. They told me that they can do my glasses. XXXX insurance covered my glasses and the refraction. Due to my XXXX conditions, I am experiencing XXXX XXXX or a XXXX XXXX XXXX XXXX on the eye chart, a XXXX would be needed to see if this is due to a need for XXXX. A XXXX is also necessary to prove to insurance the need for XXXX XXXX. Because at that moment and time, I do not have the date for my XXXX, I went in there for first time in order that they prescribed me for glasses until I can do my XXXX which I need to postpone because I have a XXXX XXXX. They incorrectly used my medical insurance to diagnose me with cataracts conditions which I told them since the first date that I have it. They refused to use my XXXX insurance which completely covered the service. Since then they have been harassed me with this bill. XXXX XXXX XXXX never sent me any resolution. Instead they sent this to Debt Collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Experian Information Solutions Inc.
State: GA
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:
Bankruptcy listed on report is not correct and according to letter received from this company, showing who they used to verify, that company does not have bankruptcy listed, and according to courts, experian did not check with courts directly to verify, dates on reports are incorrect, filing dates, experian has false information on report and need to remove/delete,

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 2020-08-22
Company: DISCOVER BANK
State: NH
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08
Company: Diversified Consultants, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an account showing on my credit report for DIVERSIFIED CONSULTNTS XXXX XXXX XXXX XXXX XXXX, FL XXXX that was placed on my report and listed as opened XX/XX/18, this was actually a balance from 2 1/2 years ago that I knew nothing about and contacted the original creditor and they agreed to delete the item if I paid it. I paid in full the item was deleted. a month later the item re appeared, I disputed and contacted them and they sent me a verification letter that the item would be deleted. I sent this to each credit agency and 3 months later it is still on my report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17
Company: TRUIST FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Suntrust Froze my business checking account and this has caused catastrophic destruction within my business and my creditors. I have kept my nose clean and have done nothing wrong. I have been calling consistently to get a clear cut answer but I keep getting the run-around. 

Additionally Suntrust sold my saving account information to a company called XXXX XXXX who took money out of that account unauthorized. During the investigation, XXXX XXXX admitted they are affiliated with SunTrust.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-17
Company: EQUIFAX, INC.
State: MI
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 found out from the Equifax premier Equifax told me to sign up for XXXX XXXX. So I tried to sign up it tells me there's an account already exists it what is my Social Security number please I'm asking please my identity was stolen I never apply for any credit cards I don't have any credit cards. 


If someone can call me I would really appreciate XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have owned my own home since XXXX. I have perfect credit ( XXXX ) and I have been declined a refi for my mortgage to obtain a lower interest rate now that rates have dropped due to the fact that my " monthly income '' from my XXXX XXXX is not enough. I have however been able to not only pay the mortgage for 22 years successfully but I also pay an additional {$190.00} per month towards principal since my last refi in XXXX of XXXX. Currently I have a 5.375 % interest rate on a 30 year conventional mortgage. I am a XXXX XXXX  mom. I own 85 % of the home and could pay this mortgage off in 10 years with a 2.5 % refi, right around the time when XXXX, my XXXX year old would enter college and I could use the additional cash flow. I have NEVER missed a mortgage payment or been late and there is NO reason why I should not qualify for a refi except that the banks claim that my low income prevents me, and of course they want to continue to rake me over the coals. If I can afford a HIGHER mortgage premium, why wouldn't I be able to make lower monthly payments? Is there anything you can do? I personally ( and my neighbors and friends ) bailed out the banks in the late XXXX 's to the tune of XXXX XXXX, they owe me. To make matters worse, their marketing department sends out " you are prequalified for a refi '' collateral, and when you respond, the representative states, " oh, that, the marketing department just sends those out, we have no control over those. '' WHAT?! Thanks so much! 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 2022-07-05
Company: Experian Information Solutions Inc.
State: OK
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 XXXX XXXX XXXX XXXX XXXX Acct # 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citibank closed 3 of my credit cards on XX/XX/XXXX, I did not request the closing of any of these cards. 

XXXX XXXX XXXX, Best Buy, and Citi DoubleCash. 

This Complaint is regarding my XXXX I never been late on payments for any of these cards and I always paid them in full, except for Best Buy card that I had purchased products with free interested finance. 

My XXXX XXXX XXXX had about U {$170.00} dollars in cash rewards and they say I won't get it since my account was closed. 


They sent me a letter saying if I want a explanation I should call a number and ask or send a letter. I called the specific number put people cant tell me the reason why my cards got canceled, customer service keeps saying I need to send a letter requesting information. Why does it mention to call the number on the letter if I need to find out the reason why my account was closed? 

I really don't care about the cards cancelation since I have others. What is unfair is that they kept and won't pay for my rewards / cash back. Thats robbery, scam like. 

I cant access my information regarding my rewards online since they don't make it available anymore due the closing. Luckily I requested my last statements where I can see rewards amount. 

I just want what is mine since I earned it using my credit cards.

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 2018-06-08
Company: BB&T CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It seem like BB & T use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 
15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. In order for a claim to be valid there must be a contract in place to show there was an offer made, mutual acceptance, terms and conditions, consideration and 2 wet ink signatures signed by both parties. If there was proof of any debt, according to the rules and regulations of the state, there should be a public record on file with the secretary of state. They send me a copy contract. I want to see original copy of contract. 
It feel like BB & T being discriminate against me because I am 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 2021-08-17
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX via XXXX Mon, XX/XX/XXXX, XXXX XXXX ( 21 hours ago ) to me Hello XXXX XXXX XXXX, Your transfer of XX/XX/2021 in the sum of {$240000.00} to XXXX XXXX XXXX has been held for clearance by US Federal Reserve. Your funds of {$250000.00} requires clearance from US Feds, otherwise we may continue to experience one problem or the other with outgoing transfers out of your Citibank XXXX private online account. 

This US Fed transfer clearance will cost you {$7200.00} and it is imperative that the clearance certificate is urgently obtained in your name which will clear and release the pending transfer of {$240000.00} from your Citibank XXXX private online account to your destination bank account and also enable faster completion of your future transfers to destination bank accounts within and outside XXXX and XXXX XXXX. 

Yours Sincerely, XXXX XXXX XXXX Private Banking Unit, Citibank, NA EMAIL : XXXX at first they told me no more fees to pay {$850.00} that i will recieve the XXXX now they telling me to i have to clearance

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 2018-04-17
Company: Clarity Services
State: OH
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:
NOTE : This is a CHALLENGE as I am NOT DISPUTING.

I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance.

The items attached are non-compliant as per the FCRA and CROA requirements!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: Atlanticus Services Corporation
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:
Have a XXXX XXXX XXXX credit card.They tell me I missed two payments and they are wrong .I paid off the balance. They closed my account it is showing up as a negative.I tried to talk to them and I got satisfaction.

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