BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: TD BANK US HOLDING COMPANY
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: Information belongs to someone else

Complaint:
I want the following accounts to be removed from my credit report asap. See the list here : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

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

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

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

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

7. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a XXXX  vet that relies on my VA XXXX money for food and gas and paying Bill 's. I have made an error in transferring and scheduling that caused me to overdraft but quickly transferred funds to cover the mistake and now USAA bank is holding my funds even though the savings reflects positive balance. I have no food and gas and I said I am service connected vet that relies on my va diaqbilitity that they are currently holding and wont release to me. Today is Friday and they said my funds wont be released to me until Tuesday and what am I supposed to do for food and gas till Tuesday. The resolution rep XXXX from USAA Bank is not willing to release my funds because she said my account was just opened. 
Even though it is clearly shows that the funds are cleared by my other bank 3 business days ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: PLAZA HOME MORTGAGE, INC.
State: AK
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage payments were not applied even though confirmed and therefore mortgage company ruined my excellent credit rating. XXXX XXXX. Plaza Home Mortgage # XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : 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 2021-09-15
Company: EMCC Holdings, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
EQUIANT FINANCIAL SVCS XXXX - This account is not authorized and is therefore fraudulent. I only agreed to in-house financing and not third party loans. My information was provided to this company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft. I have requested verification of this account. This has not only caused us much financial hardships, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. This inaccurate account is being reported in my credit records and is hurting my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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 had called the CapitalOne customer service department multiple time ( s ) during XX/XX/2017 where I had made payment arrangements to include an agreed upon payment so that no adverse mark would have been reported. More specifically, I had inquired multiple times that this agreement would not have the consequence to impact my credit score poorly. I was assured that this agreement would not adversely impact me with all respective credit reporting. However, I continue to receive these dates reflect 30 days late for XXXX and XX/XX/2017. 

I tried writing letters, calling them, and disputing through the credit bureaus without resolve. 

Please help as I have attached my letter that I have sent them!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: STERLING JEWELERS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
Hello, In XX/XX/2017, I have a missed payment with Jared Jewelry store card on my credit report, which is inaccurate. The account was closed on their behalf as I did not use it for a long time. Jared switched bank providers in which, I did not know how to pay for my balance in full. No one called me and Jared didn't know if my account was held with the old bank or new bank. After I straightened the entire ordeal, the account was paid in full. I feel like Jared should be held responsible for this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I entered into Payment Cure Plan with XXXX   XXXX card online. The payments were set for automatic draft for XXXX, XXXX and XX/XX/XXXX. After the 3 payments were made, the account was was to be brought current. After the final payment was made, the account was not brought current. I attempted via online messaging to get the account corrected on XX/XX/XXXX. I was directed to call in. I have called on XX/XX/XXXX, and XXXX. I called again on XX/XX/XXXX. Each time I have been told different reasons my account was not reaged, and that it would be fix within a week. It is still not corrected. My account has now been sent to collections, when it should not even be considered late based on the payment agreement. During my most recent call, I was told that the agreement was made incorrectly and my account was not eligible to be reaged. I made my 3 payments as agreed and not red card is not keeping their end of the agreement and have since sent the account to collections. Even if the account was not eligible to be reaged, I was never informed of this and was going off the accepted agreement I have from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019, I was approved for a {$380000.00} 15 year fixed rate home loan by Bank of America. The next day I was denied and instructed to call the XXXX XXXX XXXX XXXX at phone number XXXX.XXXX.XXXX.XXXX. The only reason that I was provided for the denial was that it was a " business decision '' to not do business with me.

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 2019-05-03
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
A while back in XX/XX/2017, I purchased an auto lease turn in of a 3 year old XXXX XXXX XXXX XXXX The car had XXXX miles on it and valued at approximatel {$13.00}. I put a down payment of approx {$2600.00} on the car ... ... .I agreed to monthly payments but I didn't agree to make illegal State of California interest payments over the statutory rate of 12 percent or whatever the legal amount is. 
As far as I am concerned I am paying illegal interest payments of almost 30 percent. This is usury. When the car is paid off in 7 entire years I will have paid them double the money for that car approximately {$26.00} This is illegal. The State allows them to do legal business and charge interest of 12 percent. Why am I being charged double when I did not agree to be involved in no illegal rang-lings..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
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:
The reason for my writing this letter is to inform you that this bureau is being unreasonable. I am a victim of identity theft, my information was compromised and fraudulent inquiries were included in my report without my consent or authorization. 
As a result, I contacted this company with a detail explanation that I am a victim of identity theft on XX/XX/XXXX. I pointed out in detail to them, of all the inquiries that I did not authorize and were fraudulent. BUT to my surprise this company still keeps on reporting these fraudulent inquiries and inaccurate information : 1. XXXX XXXX Never been my employer 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX 5.  XXXX XXXX  6. XXXX XXXX  7.  XXXX Inquiry Date XX/XX/XXXX 8. XXXX Inquiry Date XX/XX/XXXX 9. XXXX Inquiry Date XX/XX/XXXX 10. XXXX XXXX Inquiry Date XX/XX/XXXX I also attached with it the following documents as proof of my claim : 1. Identity Theft Report 2.  Proof of identity 3. Section 605B of the Fair Credit Reporting Act This may also serve as a written notice of my intent to sue this company if they continue to insist on reporting this inaccurate information on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: Diversified Consultants, Inc.
State: GA
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:
I'm a current XXXX customer. I was living in XXXX and using their service. I then moved to XXXX  and remained a XXXX   customer. However, in the process I was told I would have to open a new account but my login information would be exactly the same as it was before, it would just be a new account number. I continued to pay my bills on time on the new account with no issue. Apparently there was an amount due on the old account but I had no knowledge or communication from XXXX  that there was money owed on the old account ( because I could not log into that account anymore since my login directed me to the new one ). I was never told there was an issue with my account ( no written letter, phone calls, emails etc. ) until it went to collection. I paid the collection but now I have a derogatory mark on my credit report that is affecting my ability to receive credit. I have told XXXX this issue and they do not want to help me. The collection agency was Diversified Consultants Inc. who have a relationship with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately.

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 2017-11-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received 5 phone calls from 5 different numbers within the past week, each one identified as " PORTFOLIO RECOVERY. '' I finally answered a call from XXXX, and the caller identified herself by name only. She asked to speak to " XXXX XXXX '' ( assumed spelling ). I replied by asking her who she represents and what was the nature of her call. She simply repeated her demand to speak to " XXXX XXXX, '' so I demanded that she remove this number from her call list and hung up. 

" XXXX XXXX '' has never been associated with my phone number, which I 've had for well over 10 years. 

The callers refusal to properly identify the business that she represents and the nature of her call is a violation of fair debt collection practices. Had the caller provided this information, I would have been forthcoming in my response, telling her that she must have the wrong number and asking her to remove my number from her business 's call list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Hello, I checked my credit score and received inquires on my account that I did not receive any credit card or morgagte or anything from these places I checked and seen all inquires have been on my account which is hurting my score and I have not received the product and did not hand sign a application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: BARCLAYS BANK DELAWARE
State: CA
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:
On XX/XX/2019 I have booked a flight on line from XXXX. The confirmed reservation states that if I cancel within 24h I get full refund. I have verified this information with the company prior to booking. However, XXXX changed my flight reservation within minutes after the confirmation, without my authorization. I called them back within 15 min after receiving the amended reservation ( different flights and dates ) and they told me the flight I have booked on line was no longer available. However, the airline sent me the confirmation. Given the uncertainty, I have asked if there are any charges if I cancel the flight and I was told there is no charge if the cancellation is done within 24h. I went ahead and cancelled the flight within one hour from the changed reservation. However, XXXX went ahead and charged me {$150.00} for the cancellation and another {$33.00} for seat assignment they never assigned with my reservation. 

I have called XXXX multiple times, unsuccessfully. However, the company seem to have scammed many customers the same way they did to me. There are many complaints with FTC and XXXX about this company. XXXX XXXX XXXX On another hand, I can't dispute these charges with Barclays mastercard . Since XX/XX/XXXX I have been calling them on daily basis and I can't get through their Dispute Center. Each time I have waited between 35 to 45 minutes and have been placed on hold. I have asked the Customer Service to open the dispute for me and the answer is they can't do it. I have asked for escalation and Customer Service is telling me no managers are available at this time. I have made 11 calls to Barclays mastercard since XX/XX/XXXX and still I can't open the dispute. I was also told the only option I will have to send the evidence in, is by mail to a PO BOX . The company doesn't offer any on-line uploads and I have seen there are many complaints regarding this, the company stating they don't receive the evidence in order to force customers to accept fraudulent charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report a few months ago, and seen an inaccurate account on my report. I contacted XXXX XXXX by letter, and asked them to verify the information. They DID NOT verify it, and i need it removed.The complete removal and deletion of the account from the credit bureaus and deletion of the incorrect, inaccurate unverified information needs to happen as soon as possible, as this unverified account is preventing me from receiving credit. Ifs it not removed ASAP, i may have to file a lawsuit in small claims court against there company.

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 2019-05-03
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The XXXX XXXX Firm sued me in which they told the judge that I was served. I never received the court papers I have no idea who they gave the papers to. I missed the court date.They won by default judgement. The complaint was supposed to have been mailed to me also, but who reads mail in which they have no knowledge of. My accounts was frozen, my only means of support for my son and myself. I was not on the look out for this company or the lawyers representing them because the debt was not my own. I myself and my son went without food and basic needs because of the frozen account. I had to file a response to have my accounts unfrozen. I explained my situation to the courts, because this debt had been so long ago I wasn't sure if it was mine. The debt was from 2001, so I filed an exemption but after careful research I found no record of myself applying for a Citi Platnum Select credit card. I filed a motion to set aside due to fraud, the law firm denied my claims. I then was told by the lawyer to file a identity theft claim. I did this and they denied my claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wrote w check to myself from my XXXX XXXX XXXX 
XX/XX/XXXX i deposit a check they told me to re deposit. It cleared at my bank XXXX XXXX. They told me it didnt cash. My XXXX XXXX saying it did. I have proof. I faxed it to them They still wont credit my account. They are lying saying they cant locate my account. My XXXX account is connected to wellsfargo. XXXX XXXX said thet cashed my check.

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