BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-17
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On Saturday, XX/XX/XXXX at XXXXXXXX XXXX I received a citation from a gentlemen my children answered the door and my husband approached him stating that he had a package that required my signature only there was no packaged and provided me with a Justice Court Citation document with Docket Number XXXX issued by TD Bank USA, NA regarding a XXXX  Credit Card. Sending someone to my home was unacceptable and the delivery person said this was in reference to a Debt in front my my daughter and overheard by my brother in law which is a privacy issue. On Monday, XX/XX/XXXX I sent an email to the court advising them that I had received this document that I was being sued by TD Bank and asked them how do I respond as the document stated that I could have a Judgement placed for no response. The court advise the email I sent was valid to serve as my response. I then replied to the court on XX/XX/XXXX requesting information on a payment arrangement or information as to who is handling the account as I am unable to pay the full amount they requested. The advised that they were not allowed to give information and to contact the Attorney. I sent them an email that afternoon at XXXXXXXX XXXX to XXXX requesting the information and received no response. I am only dealing with them in writing and want information as to which debt agency is handling this account so that I can setup payment arrangement to avoid a Judgement as I feel that I have responded to them in a timely manner. In addition, they violated privacy rights by telling me in front of my home where other 3rd parties could hear that this is in reference to a Debt. This is threatening tactics and there are no signatures on this document this is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX XXXX ) XXXX XXXX CREDIT CARD # XXXX ( XXXX XXXX ) XXXX XXXX XXXX CARD # XXXX ( XXXX CARD ) XXXX XXXX CARD # XXXX ( XXXX XXXX ) XXXX CREDIT CARD # XXXX XXXX XXXX XXXX # XXXX XXXX   CREDIT CARD # XXXX ( XXXX CARD ) 2 THINGS THAT NEED ATTENTION ASAP. ( CORRECTION ) 1ST : DO NOT OWE NO $ TO NONE OF THE ACCTS ABOVE.

2ND : EACH ABOVE ACCTS NEED TO BE REPORT TO EACH CREDIT BUREAU.

( ALL 3 CREDIT BUREAU NEED TO MATCH CREDIT UTILIZATION )

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: LA
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, 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:
XX/XX/2023 {$8300.00} auto trakk is reporting late payments and false repossession status I didnt give them anything they came and got it from the repair shop there selves

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I previously file a complaint regarding Equifax. Equifax was not providing a status update regarding several disputes. Finally, Equifax responded outside of the 30 day ( XX/XX/2018 ) and the letter did not provide a status regarding the inquires. I attempted to call Equifax and file a complaint, but was told there was no estimated turn around. I want to inquires removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have submitted certification of my employment history to XXXX XXXX XXXX/Pennsylvania Higher Education Assistance Agency/PHEAA for the purpose of tracking payments to count for XXXX XXXX XXXX XXXX ( PSLF ). The updated certification that I was given was not an accurate count to my total service completed thus far ( count was too low compared the to qualifying payments that have been made ). Also, the count of the last three loans of the account was completely omitted ( not given credit for qualifying payments ). I have called several times and submitted emails requesting an explanation for these incorrect numbers. XXXX XXXX XXXX/PHEAA is unable to provide an explanation at how these numbers were created. They have also not fixed their mistake. 

Of note, this is the second time in 2018 I am experiencing this problem and need third party assistance for correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Kriya Capital, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence resource called me about a XXXX XXXX debt that i need to settle it and delete it off my credit report after payment.Debt has been paid off or settled but they will not take it off my record and still trying to call me to collect the debt that i have already settle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Our business has a credit card with US Bank. We 'd previously always paid the card directly through bank account we also had with US Bank. After closing the accounts, we paid with a check. The payment on our card was due on XX/XX/XXXX and our bank indicates the check was cashed on XX/XX/XXXX. However, US Bank has not credited the charge to our account and is charging us a {$39.00} late fee.

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 2018-09-13
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:
Experian declines to remove the unauthorized inquiries and opted instead to make false accusations and allegation in which I am quite displeased about ... 
However, I have read countless reviews about their erroneous reporting, and how they will claim you are using a repair company, because you know the law ... indeed a lot of complaints will sound the same when you ( Experian ) are causing the multitudes the same issues and grief ... litigation will follow if this is not cleared up, and the accusations don't cease, and it is at my discretion to use a company if I want, yet I opt not too, because I can take you to court myself ... and I know the law promptly delete- XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX In, 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-02-08
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Over the last XXXX  years, I have experienced an extremely large amount of funds being debited to my account as " over draft fees ''. When going over statements, it is clear that the overdraft fees were most often taken prior to the actual transaction was to post and clear. 
This activity has been going on for years. I have complained to the bank on numerous occasions with the results continuing even thru this last week where XXXX charges totaling {$170.00} were withdrawn from my account. 
It is my belief that US Bank uses this form of theft in their normal business practices and would like to see it stopped.

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 2023-07-11
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 applied for a capital one card. I was approved. The card caMe In the mail one week later and I tried to activate it but was given nothing but trouble. I was unable to update any of my account information once the card arrived. Both my email and phone number are different from when I had an account back in 2015. As a result, I could never activate or use the card. I never knew there was a balance on the card of {$39.00}. I just received mail from capital one and the due date was XX/XX/XXXX. I immediately made a payment as now it stated my account was past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Netspend Corporation
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Westen union NetSpend. I have account with them in XXXX of 2022 they took XXXX $ from my account they said to cover a delinquent balance on an old account with them. I explained to them I had the other card but never used it never accessed online nothing. They said that money was deposited to the card and withdrawn to a debit card ending in XXXX or something like that. I don't have a debit card ending in those numbers they stated XXXX told them it's obvious someone hacked the account and took that money. They should trace the name associated with that debit card they would see it's not me. I want my XXXX $ back. They should never have taken it without contacting me to see if it was me making that transaction.obvious it's not me. Acct # is 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 2018-09-12
Company: Moneytree Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am periodically receiving harassing telephone calls from MoneyTree. I do not believe that I owe them what they say I owe. According to the FCRA they must verify their information and they have not done so. I am in the process of disputing this information via XXXX, XXXX, and XXXX. I am not interested in discussing any information with them via the telephone. If they are interested in talking with me they must respond to me in writing ONLY!

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 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle for a XXXX, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MIXXXX-XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2019-01-08
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have called numerous times and waited on hold. Ive emailed, with a response that i need to call. My online account is locked out, they just keep me in forbearance SINCE I HAD THE LOAN. University of XXXX put me in the wrong class, i told them what they did and then they just reported me to academic something for ising an exclamation point in my sentence. Now i have XXXX $ in debt from a company that ripped me off and a lender who i can not contact!! This has been going on since the company was sallie mae. How can Navient force me into forbearance for the simple fact i can not reach them. I make XXXX $ an hour and would like to pay this off. Im XXXX years old. How many more years can this go on. University of XXXX was a scam, navient is a scam. Im just a XXXX consumer. 

The balance keeps going up and up and up and mothing i can do about it!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: ALLY FINANCIAL 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 status incorrect

Complaint:
Accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602, which states I have the right to privacy. 15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2020-09-19
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a federally protected consumer and Santander  has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
These are the two parties besides myself : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Evergreen professional recoveries XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX My wife and I are looking into refinancingourhome becauseof the low rates and I pulled ourcredit just to check on it before applying. I had a collection notice on my credit that I was not aware of. So I sent in a request to see what the collection was for ( Evergreen is the collection company ). I got back medical invoices with descriptions of medical work that had my name on it ( first time I had seen these invoices ). I never gave Evergreen permission to see let alone receive copies of medical invoices/records. If I knew it was medical I would have asked for XXXX to send theinvoices to me directly. I have the letter sent to me ( by Evergreen ) with the invoices that contain my medical info, let me know if you would like to see them. 
I had gone into XXXX in 2018 and it was an ongoing thing ( I was not getting better so I stopped going ), and as I was making the next appointment ( I remember 3 appointments ) I would ask about cost, the front deskpersonwould just say " if you owe anything it will be mailed to you ''. Well I never got a bill, either due to XXXX  or USPS. Never got a call, nothing untilit was on my credit.If I did I would have paid or at the very least set up a payment plan. 
I sent in a complainttoHealth and Human Services Office for Civil Rights Complaint, they said it was not a violation of HIPPA ( is that accurate? ). I also sent in complaints toJoint Commission ( have not heard back ) andWashington State Office of Insurance Commissioner. OIC are working on an audit to see if what XXXX/Evergreen say I owe is what I owe, they have not been helpful, I have had to ask them to reopen the case a few times. 
I don't want this on my credit report, it is the only knock on my credit and it is a big one. 
Thank you for your help and time, 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 2023-02-09
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XXXX I have submitted all required documents to Wells Fargo numerous times. The issue continues to be unresolved by you. Why? I am requesting my XXXX XXXX Wells Fargo XXXX. XXXX ( XXXX XXXX ) ORDERED Court settlement check. 
I have XXXX and your harassment is illegal towards me. 
Stop harassing me! Stop!!

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