BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-26
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains late payments reported on account. 

I want you to know that I understand my financial obligations, and if it werent for hardships, Id have an excellent repayment record. I made a mistake in falling behind, but since then, circumstances have changed, Ive had a spotless record of on-time payments. 

I applied for a home for my family, and its come to my attention that the missed payment on my record hurt my ability to qualify due to the low score. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove all the late payments. 

Thank you for your consideration, and I hope youll approve my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: BlueChip Financial
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a {$400.00} loan on XX/XX/2019. I started paying them back in XXXX, and have been paying XXXX bi weekly since. I have paid this company almost {$700.00} and they are claiming tribal immunity, also saying my balance is still XXXX. How is that even possible. I have also added my name to a class action investigation where the company is being investigated for fraudulent use of claiming to be a tribal owned company. I have lodged a complaint with the XXXX as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: SUNTRUST BANKS, INC.
State: TX
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:
This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and 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 2020-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.

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 2019-09-26
Company: The Outsource Group, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Do not understand how you can be charged something and you never receive the service

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 2019-11-07
Company: REGIONS FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I moved at the beginning of XX/XX/2019. I changed my address and my cards all worked fine -- even my new zipcode worked at the gas pump. My address was correct on the account displayed on the website and I changed everything properly and timely. 

I was married on XX/XX/2019. On my way to my honeymoon, I stopped to get gas and my card doesn't work. My audible subscription trial doesn't work for the roadtrip. I spent 2 HOURS on the phone on my HONEYMOON to rectify the problem ( I had booked all the events on my Regions Credit Card ). I spent more hours fixing reservations until the card was cleared. 

Why was it locked? Because REGIONS put my street address down INCORRECTLY and the statement returned to the billing center. This apparently is policy. No TEXT, EMAIL, ONLINE WARNING, PHONE CALL was made to let me know that my card was locked. 

I incurred late fees on utilities and a myriad of other complications ON MY HONEYMOON. 

Region 's solution : " Well, I do apologize for that. If you have any fees that were incurred on your card, we can reimburse you. '' However, my fees were through the utility company and I switched payment methods. 

Thus, I canceled my credit card and soon plan to cancel my checking account with Regions ( 20 years loyal ). 

I was offered NO REAL RECOURSE. NO REAL RECOMPENSE. NOTHING. 

THIS PRACTICE IS NOT STATED EXPLICITLY ANYWHERE IN THE BILLING STATEMENT. " IF MAIL IS RETURNED, CARD WILL NOT WORK. '' OR " IF OUR BUSINESS MESSES UP YOUR ADDRESS, YOU HAVE TO BEAR THE FINANCIAL AND TIME BURDEN TO REMEDY OUR MISTAKE. ''

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 2019-11-07
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, XXXX XXXX I have contacted both companies and told them these are not my accounts I never opened them, never received goods for the collections they are reporting, I have asked for proof numerous times. I have disputed this for a few Years. Someone opened these accounts and received goods and Im being penalized for it. XXXX says I opened the account in XX/XX/2017 it shows an address of a P.O. Box in XXXX Louisiana, I was living in XXXX XXXX la with my ex husband bc he worked for XXXX in XXXX XXXX. XXXX XXXX I have no Idea where that came from bc I never opened it I have disputed this through XXXX XXXX, XXXX, and XXXX  and nothing. I can print copies of all disputes. The amounts change with every dispute so it says XXXX XXXX , XXXX , now today XXXX . XXXX XXXX says XXXX $ past due XXXX $ credit limit both companies say account confirmed and bump the dates of opening the accounts up and then the dates to fall off are now increased by 2 more years. I dont know what else to do they wont send proof I opened nor who opened it. They keep transferring companies and just keep reporting bad marks on my credit report. Its not fair bc it isnt mine. I work so hard trying to build my credit and this is tearing it down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
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: Account information incorrect

Complaint:
I am not aware of this debt. I have no knowledg of this debt. I called and I was told that the date listed is incorrect. The original account is dated XX/XX/XXXX. That is the correct date and that means this debt should not be on my credit report as of the end of this month ( XX/XX/XXXX ) Not only is the debt false but the Date is incorrect.

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 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, and I am a victim of identity theft. I tried to contact the bureaus, but nothing is getting done. I would like them to have some urgency and remove these accounts immediately. They are in direct violation of the the FRCA laws. I am suffereing, and my family is suffering.

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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent a transaction for XXXX by mistake from my Bank of America account through XXXX XXXX to the wrong person through XXXX with phone number XXXX who appears with the name XXXX XXXX, I tried to communicate with the person and I did not receive a response, therefore, I contacted the bank mentioned above and they informed me that I had to wait three days for the transaction to be completed, after three days I contacted the bank again, and they informed me that they would initiate a investigation and today XX/XX/2023 they sent me a rather unfavorable response via email informing me that they would not refund my money immediately. I contacted the bank and he suggested that I had to inform the police, which It seems absurd to me that a financial institution makes me this type of suggestion when they are clearly noticing the error of the transfer and the only thing they do is suggest to the person to whom the money does not belong and was sent by mistake to return the money and it is rejecting the bank 's request and keeping the money, thus making the bank complicit with a thief since it is receiving and not returning money that does not belong to it and allowing the vulnerability of clients since this type of situation can happen to anyone and in much larger amounts of money.

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 2023-07-25
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have requested to verify through the physical verification of the original signed consumer contract. XXXX XXXX has not send me a copy of the original signed consumer contract nor have they deleted the accounts. I have provided a list of the accounts in question.

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 2020-11-30
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2020 I sent a dispute letter for those accounts that I found unknown and inaccurate on my credit report it was almost 30 Days today but I haven't received any response. I was a victim of XXXX  Data Breach. I demand to Remove ASAP those accounts or I will file a litigation.

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 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
After reviewing my credit report i am continuing to see incorrect information i have reached out to credit bureau with no results. The following information is incorrect bankruptcy courts, XXXX. The followiing inquires XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX  visa, 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 2023-05-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im attaching a ftc report to my complaint I made already some one been applying using my information I have numerous inquiries that I did not apply fraud XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Involved in my consumer report I notified the credit bureaus due to these inaccurate accounts on my consumer report to be removed, Due to these accounts I was not able to get a rental property because of that accounts on my consumer report that is not accurate, I request for those to be deleted I never received any information in the past due to their in reinvestigation they have not provided completed documentation information stated how did they validate accurate information and no one from any agency did not speak to me myself during the investigation as well. And also due to the data breach, my information has been stolen and sold to XXXX knows who I feel unsafe with these companies. Entrusted my information with I was not notified

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 2019-11-07
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom It May Concern. I am writing this as an effort to keep my home. On XX/XX/XXXX, my husband was involved in a serious accident on his job. As a result, of this accident he was required to have XXXX. After all was said and done, he was unable to return to work. He is now needing XXXX on both of his XXXX  and we can't even afford that. This really was a burden on us because now we went from a two income household to one income.I have tried to the best of my ability to continue to make the monthly payments since then. But being the sole provider for my family and trying to maintain all the financial woes, I have fallen behind.I was unaware of any assistance programs that may have been available to me until today. My mortgage company also has not presented anything to me or informed me of anything that would help avoid the situation I am currently facing. I paid them {$600.00} on XX/XX/XXXX and I am only two months behind now.They stated that they can not allow me time to bring the account current and if I couldn't make the payment of {$1600.00} by midnight tonight, the foreclosure process would go into effect.This to me is ridiculous. This has been a big burden on me. My family will be facing yet another dreadful situation if we can't come to some type of agreement. One that will cause us to be homeless. What else is there left for me to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: SYNCHRONY FINANCIAL
State: IL
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:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists, It is my understanding that you will investigate these items for me to ensure accuracy. 


SYNCB/MTRSFM XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX 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 2023-07-25
Company: EQUIFAX, INC.
State: VA
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 paid XXXX XXXX XXXX XXXX when they were under XXXX XXXX a settlement of {$10000.00} to stop harassment and calls to me and my co-signer XXXX XXXX. Basically XXXX XXXX ( XXXX ) was already close so my money went unknown, All XXXX credit agencies still report the amount that I owe student loan and it is from XXXX XXXX. XXXX XXXX then became XXXX who have a settlement of all debts to be cleared but this is still reflecting on all XXXX credit reports. I have also asked for the agencies to remove all address except XXXX. I was also in the class action for equifax and XXXX XXXX for my information/identity leak. I worked for XXXX and was an XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
" Midland Credit '' continues to harass me with at least one call every day, including weekends, evenings ( up to XXXX XXXX ) and early mornings ( before XXXX XXXX  ). Caller ID identifies the caller as " Midland Credit '' however a different number is used every time, making it impossible to block the calls. I have previously told them to stop calling me, however they continue to call. 

A few of the numbers that I received this call from are below. It is not exhaustive because they use a different number every single time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX If there is a debt owed, Midland Credit is not the original owner of the debt. I have contacted companies I have owed money to and made attempts to resolve through them. Midland Credit may have been sold a debt and will not stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 - my apartment was subleased out. 

XX/XX/2018 - the subleasee left one month early without paying the rent. 

No notice or anything from apartment complex. 

When I saw it on my credit, months later. The apartment complex said that the collection has been already sold, and there was nothing they could do to remove this anymore so I would have to dispute it. 

I have tried to dispute it three times, and Im not sure if Im technically legally responsible still or what the case is. I cant get an apartment until this is paid off. I called the collection company in hopes I can at least negotiate it or make payments. After two days of attempting to reach the representative that Im assigned to with no luck, I went online to make a {$50.00} payment - thinking I could at least do my own payment plan by myself. After no email or anything regarding my payment, I figured I would try calling one last time. I surprisingly got a hold of my representative. Weird, she couldnt return any of my voicemails but okay. I told her I didnt receive a copy of my receipt and she told me it isnt in their policy to do so. Im extremely uncomfortable paying {$1000.00} to company who doesnt even give proof of payment. Nor do I even know if Im even legally responsible.

Company response to consumer: Closed with explanation