BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-03
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a checking account with TD Bank and a card that was used without my permission by unauthorized use. I reported this to TD Bank and told them that I wanted to close my account as well as taken care of the unauthorized use of my bank card that was attached to the checking account. 

I recently found out years later that TD Bank did not take care of the unauthorized use of my credit card and they ( TD Bank ) threatened to have me reported to the credit reporting agencies if I didn't pay them ( TD Bank ) not only money for the unauthorized use of my card or stealing done against me but they wanted me to pay hundreds in back interest at 18 %. I recently contacted TD Bank when I found out that XXXX XXXX reported me to XXXX XXXX. 

I would like to note that TD Bank is a very dishonest bank with their overdraft service. What they do is give customers false balances or balances that do not include anything pending or their ( TD Banks ) other fees. As a result TD Bank makes an effort to make customers go into massive overdraft fees. This is not just done with this misleading information and bad faith practices regarding balances and giving deceitful information. The additional practice done by TD Bank is as follows. TD Bank will allows charge the small transaction as an example below. If someone bought 10 small transactions such as coffees, gas and small purchases totaling say XXXX if there is a XXXX large pending transaction and a {$150.00} balance in the account the bank will not let the small transactions go through and bounce the {$150.00} transaction but rather the bank will make an effort to put the {$150.00} transaction through this in balance and then the ten transactions for {$30.00} will make for a {$330.00} fee for overdraft. TD Bank has the process mastered which starts with giving false balance information to customers via both call in and ATM balances. 

I want to be removed from XXXX XXXX and TD Bank to fix my negative account balance right away as my card was fraudulently used without my permission and TD Bank said that they would fix the problem years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted multiple validation letters since back in XXXX of this year 2018. Letters went to XXXX  XXXX XXXX XXXX requesting they validate the debt that they have listed on my credit report along with XXXX XXXX XXXX . XXXX XXXX XXXX   responded advising that debt was now XXXX XXXX XXXX yet neither of them could validate the debt in question. They both are showing on my credit report as a debt being owed in the amount of XXXX. It is impossible to owe two different companies for the same debt yet neither of them can bear signatures or original creditor documentation. I received a response from XXXX XXXX XXXX as well which did not show any info advising that the account is even my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: WELLS FARGO & COMPANY
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Discussed in XX/XX/XXXX : Earned income was not paid to me, with only receiving SSI, and I fell behind on truck payment. 
I tried to refinance or lower monthly payment, and lender refused.

After offering a voluntary repossession, Well Fargo Dealer Services agreed to let me try to sell vehicle in order to cover or reduce the total debt I would be left with. 

Discussed in XX/XX/XXXX : I had tried to sell truck with signs, car lots, friends and posting on XXXX. Any offers were lower than offered price, and I reduced listed price on XXXX to amount I could cover and still pay off at dealer. 
I called WFDS to come get the vehicle, as I could not sell it, and still was not able to pay for it. 
After still no contact for truck pick-up, I called in and was told again that they were coming to get it. 
My registration tags were due XX/XX/XXXX, and they were informed I was not driving and that the vehicle was still not picked up. 

Escalated communications and failed pick-ups to Office of the Presidents XX/XX/XXXX After several discussions, I learned that they charged off Full Debt against my credit file, with no credit for truck value since they continually failed to pick up my voluntary surrender. 
The " Office of the Presidents '' ( very unprofessional and clueless ) continued to delay and say they were researching, yet after further escalations to manager and senior managers they insisted I owed the full amount due even when I had received no paperwork confirming truck pick up, warning of total debt write off and credit reporting, final demand letter, and nothing else for almost six months. 

During the first week of XX/XX/XXXX, the team leader XXXX XXXX stated nothing further was being resolved, and that I would receive paperwork and the truck would be picked up. 
I still have received nothing in the mail, and no contact for voluntary pick-up. 

XX/XX/XXXX XXXX, Senior team leader to Office of the Presidents,  still never found my certified/signed receipt letter that shows received at her offices XX/XX/XXXX, which I e-mailed to her. 

They have been aware of my dire financial situation, and that the truck payment and insurance was almost half of my SSI. They also knew I was trying to get another vehicle, and wanted a smooth transition so my credit would not be impacted. 
They have deliberately delayed/ misled me, ruined my credit report until I will be XXXX years old, and removed my ability to find new employment which requires a truck. 

I am still paying insurance, and then find out I owe the whole cost, as if it were destroyed anyhow!!

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: 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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

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 2017-09-23
Company: BARCLAYS BANK DELAWARE
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:
I was anticipating my enrollment in a credit card program that would have closed my credit cards. I was told that it would be better for my credit reports if I closed them myself rather than having the credit card companies close it. I called and tried closing my credit cards on 3 separate occasions. One time on  XXXX XXXX and again on XXXX XXXX and finally on XXXX XXXX when it was finally closed by the credit card company. Whenever I tried closing the credit card, I would inform that to the customer service representative of my intentions and they would abruptly end my calls. Finally, on the day it had been closed by the credit card company, I was told that it had already been closed.

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 2023-06-09
Company: EQUIFAX, INC.
State: NV
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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX and XXXX XXXX XXXX XXXX have 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 explanation
Consumer complaint received 2017-09-23
Company: Southwest Credit Systems, L.P.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please take notice that SOUTHWEST CREDIT SYSTEMS, LP has failed to provide verification of the debt with regard to the above referenced account. Therefore, this debt must be deleted from my credit file within 30 days. 

You reported this account to the consumer reporting agencies on or about XXXX XXXX, XXXX, three days before you notified me of a debt, and you also notated that the debt was disputed with the consumer reporting agencies. You initially contacted me by letter on XXXX XXXX, XXXX notifying me of a XXXX XXXX account placed for collections. I responded to your notice requesting verification of such debt on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I requested you to close the account and cause such delinquent account to be removed from my credit file. I have received no verification of the alleged debt, and no response to my request to close the account. 

Pursuant to 15 U.S.C. Section 1692g ( b ), you are required to notify me of the name and address of the original creditor. You have failed to provide such information. In addition, you have failed to provide verification of the debt under 15 U.S.C. 1692g ( a ) ( 4 ). Because the entire debt was disputed, you have a duty under 15 U.S.C. Section 1681s-2 ( 8 ) ( E ) ( i ) to conduct an investigation with respect to the disputed information. You have failed to investigate this disputed information and provide verification thereof. Therefore, you are in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and all other applicable state law. A complaint may be filed with the Federal Trade Commission and the Washington State Attorney General, and may take legal action. 

This account must be deleted from my credit file, and this account must be closed by your office from further collection attempts within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: EQUIFAX, 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:
On XX/XX/2019 I sent a dispute to a creditor named XXXX about an incorrect, inaccurate reporting on my credit report. I submitted the complaint to the address reporting on my credit report this letter was sent certified return receipt requested so that i can keep a track of when the creditor received my dispute. I continuously monitored the tracking of this dispute, and as of the time of this dispute according to the United States Postal Service tracking service my dispute is still in transit. On XX/XX/2019 I received my dispute letter returned to me as " return to sender, no such number, unable to forward ''. I then sent a dispute letter to Equifax on XX/XX/2019 stating that since the creditor has provided false information to them about me and provided a false address i am requesting this item be removed immediately. I never received a response from the creditor about my dispute ; however I received a copy of my Equifax credit report with result comments of " the following fields have been modified '' still showing the incorrect address and incorrect, inaccurate reporting data. i am not sure how they were able to update my credit report given the creditor is reporting an inaccurate address and they also failed to mark my account as disputed within the given 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: GA
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 sent Experian a copy of a police report verifying that the account which is listed as XXXX XXXX Was open in my name. I have explained to them that I have no knowledge of this existing account. I have provided to them a copy of a police report via fax, and email, yet this credit agency refuses to delete this in accurate report off my credit.

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 2023-07-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the banks customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-12
Company: Experian Information Solutions Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX ONCE AGAIN KEEPS COLLECTING BACK TAXES FOR ILLINOIS THAT ARE OVER S.O.L. OF 3 YEARS, ALONG WITH DEBT DISCHARGED IN BK XXXX XX/XX/2018, SEE ATTACHED.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX account has violated my rights. 
15 U.S.C 1618 section 602 A. States I have the rights to privacy.

15 U.S.C 1618 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 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.

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 2018-11-29
Company: WELLS FARGO & COMPANY
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:
XXXX has been non-compliant with removing the unverified account WELLS FARGO CARD SER which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO CARD SER was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2023-06-13
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: Account information incorrect

Complaint:
There are currently two installments loans reporting on my credit report from XXXX XXXX. Both these loans are paid in full and showing a balance owed. 

Date : XX/XX/XXXX Lessor : XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Agreement Number : XXXX lease Was paid in full as of XX/XX/XXXX Date : XXXX  - Lease Agreement with an Option to Purchase XX/XX/XXXX Lessor : XXXX, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Agreement Number : XXXX lease Paid in full as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: REGIONS FINANCIAL CORPORATION
State: OK
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 opened a XXXX credit account with XXXX XXXX XXXX of XXXX. I was told for the first 90 days it was a trial run, there would be no late fees or credit reporting until the trail was finished of offer the best service by XXXX XXXX my personal AccXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX - XXXX XXXX XXXX : ( XXXX ) XXXX. After the first 15 days I received a late charge {$75.00} after paying my bill on the day it was due. I call my rep and he ensured me it would be credited. After one week it was not credited, so I called customer service and was told that I would need to pay my bills 2 days early for it not to be late, and i must pay the late fee or i will be charged another late fee. I was then told it would be credited to my account because it was done in error but the system will not zero the account until payment is made. First red flag. So i paid the incorrect charge in XXXX. In XXXX I received a bill for XXXX, even though I had not use the card for weeks. I refused to pay and was told I would be charged a late fee if payment was not made. I refused and contacted XXXX and a supervisor on three-way both of them insure me the error would be correct, because it was put on my account in error. In XXXX of XXXX and XXXX of XXXX, XXXX reported late payments and negative history to XXXX XXXX and XXXX XXXX XXXX XXXX, all while correcting these inaccurate statement. After talking to several supervisors and my account specialist I was told to dispute the inaccuracy and it would be noted for the credit dept. and corrected. After two disputes in XXXX and XXXX XXXX XXXX has not correct these inaccurate reports. I need the help of XXXX  get the XXXX XXXX XXXX XXXX to read the notes on my account and correct these inaccurate reports. It has already been documented by my account manager XXXX XXXX and a account supervisor that these reports were inaccurate. My account has since been assigned to 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 monetary relief
Consumer complaint received 2023-07-05
Company: SYNCHRONY FINANCIAL
State: FL
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:
XX/XX/XXXX XXXX paid XXXX XXXX paid off, XX/XX/XXXX, XXXX paid off, XX/XX/XXXX Closed paid off

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