BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
My home was in foreclosure. I applied for XXXX funds and got the loan reinstated through those funds in the amount of {$39000.00} in XXXX of XXXX. This involved a large amount of work on my part and the part of my attorney to get TD Bank to provide an accurate reinstatement figure to XXXX. We had to file a CFPB complaint just to get that done ( CFPB Complaint # XXXX ). Ultimately, TD Bank did provide a reinstatement figure to XXXX  on XX/XX/XXXX in the amount of {$39000.00}. TD Bank stated in a letter dated XX/XX/XXXX in response to my last CFPB Complaint that this amount brought the loan current. See attached letter dated XX/XX/XXXX. 

Then, immediately afterwards, I started receiving statements telling me that I still owed over {$12000.00}. On XX/XX/XXXX, I called TD Bank after receiving one of those statements, spoke with a representative named XXXX XXXX and she told me that that amount reflected legal fees, appraisal fees, and other fees. I was then transferred to a representative named XXXX who told me that it was unusual to be charged those amounts following a HAF award -- -that the HAF award should have put my account at a XXXX balance. I then asked for a paper statement to reflect a XXXX balance and the current mortgage payment that would become due. I never received that statement and instead received a statement on XX/XX/XXXX, again telling me I owed {$13000.00}. 

I next sent a request for information and notice of error to TD Bank on or by XX/XX/XXXX. I have not yet received a response to that letter, but I would appreciate TD Bank setting my account to current status and removing the {$13000.00} charge, so that I may finally resume making monthly payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-03-15
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A collection notice sent to my home address on XX/XX/XXXX to the amount of {$610.00} i contacted the company named Midland Credit Management ( MCM ) they informed me that a credit card was taken out in my name in XXXX. I then went on to explain to them i have no idea about to card nor have I ever used a card from XXXX XXXX XXXX the teller then asked me about the card including my address where the card was previously residing I told him that i was renting a room and who i was sharing it with. He then informed me that in order to get it removed from my account I would have to file a police report and send it to their address. I preceded to contact the police precinct in my district which the told me that they don't handle identity theft I have to contact the IRS there they told me that i have to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have an checking account with U.S. Bank Account Number XXXX. 
Branch Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX emal XXXX I was informed on XX/XX/2018 that my account XXXX XXXX XXXX XXXX is in an over draft state negative {$570.00} and that On XX/XX/2018 my account will be charged off and closed if it is not brought current. I was informed by XXXX via telephone on XX/XX/2018. 
I had spoken to XXXX XXXX, the U.S. Bank Branch manager of the XXXX U.S. Bank before XXXX and informed her that my bank account had an entity make an unauthorized withdrawal of over {$200.00} un beknowst to me in XXXX. That all of the charges against my account have been made by U.S. Bank as a result of the unauthorized overdraft, through no fault of my own. 
Prior to XXXX  Ms. XXXX promised that she would have my account credited for all of the over draft charges which would bring my account current. Thus far Ms. XXXX has failed to take the necessary remedial action to have all of the U.S. Bank over draft charges removed from my account. 

I am XXXX, a senior citizen, a XXXX person, a protected person as defined by the Americans for Disability Act and need and value my U.S. Bank Checking account which I have had now for several years. 
XXXX, I am requesting that the CFPB contact U.S. Ban k Ms. XXXX XXXX license to work in the Banking industry for her failure to remove all of the U.S. Bank Over drafts from my account as she said she would do.

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 2021-01-28
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: Old information reappears or never goes away

Complaint:
I am filing this complaint to request the removal of a negative account that XXXX XXXX is reporting on my XXXX, Equifax, and XXXX credit report. The account number reported on my credit report is XXXX. I called XXXX XXXX on XX/XX/XXXX, to discuss this account. I was told by the customer service representative that I could settle the account for {$200.00}. I asked him if the account would then be reflected as paid, and all negative entries would be removed from my credit report. He said not unless I paid the balance in full. I told him it was critically important that all negative information be removed from my credit report, and I agreed to pay the full balance of {$400.00}. I have attached a copy of the receipt from my bank to this letter. It has now been over one year since my payment, and XXXX XXXX is still reporting negative information on my credit report. This account was first reported to the credit bureau on XX/XX/XXXX. I have sent letters to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and received no response or resolution. I am requesting that XXXX XXXX delete this account from my XXXX, Equifax, and XXXX credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted XXXX 27 times since 2015 and they are refusing to correct my name. I have provided a clear copy of my driver 's license, passport, mail, and birth certificate and they are refusing to correct my name. They are also reporting an incorrect address. I have already provided them proof of my current address and they are reporting my current address as a Virginia address and I live in North nCarolina.

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 2022-12-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX account name : XXXX XXXX XXXX # XXXX Account name : SXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX  # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And i have filed police report This is not my accounts They are fraudulent I repeat they are fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: DISCOVER BANK
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Bessine Walterbach, LLP
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am filing this complaint against Bessine Walterbach , LLP, and it's Agents, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX for the following reasons : 1. I was first contacted by Bessine Walterbach , LLP on XX/XX/18 about alleged medical debt from University XXXX XXXX XXXX XXXX, in which Bessine Walterbach , LLP claims to represent themselves as an attorney for University XXXX XXXX XXXX XXXX. 
2. I've requested Proof of Claim on multiple occasions but this debt collector, claiming to be an attorney, has not responded to my requests. 3. Although they have not sent me proof of Claim, now this debt collector is attempting to take me to court and pretend to represent the hospital. 4. This debt collector has had me served at my place of employment, giving the summons to a co-worker of mine, instead of mailing the summons to my home. 5. On the day of court, the case was not on the courts docket. 
6. This debt collector has entered a " Motion to Squash Service '' of summons and asking the judge if they can proceed, due to me not being served after Summons was given to my co-worker.

7. This debt collector has doubled the amount of the alleged debt to more than half of the original balance from {$1900.00} to {$4100.00} plus 0.9906 interest per day.

8. This debt collector keeps mailing me what looks like court motions but has NOT been stamped by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: MD
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:
Account Name : XXXX XXXX XXXX XXXX OF XXXX XXXX Number : XXXX Youre reporting a later payment in XX/XX/2022 & XX/XX/2022 yet XXXX is reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid agreed due to my FCRA rights. In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681- section 602 states I have right to privacy, 15 USC 1681 section 604 a section 2 it also state 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 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 2022-09-10
Company: LEXISNEXIS
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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
My student loans use to be serviced by Great Lakes until they were transferred over to Nelnet. Since they were transferred over to Nelnet, either my monthly interest dollar amount has increased from about {$28.00} a month, to over {$130.00} a month, or my payment was not applied at all. I emailed Nelnet to ask them about the situation and to confirm the interest I am spending per month ( dollar amount ), and they refused to respond and directed me to their FAQ 's ( which do not answer my question ). I have screenshots available upon request to show my interest rate accrual under GreatLakes versus Nelnet. I also have screenshots upon request showing the interest accrual before the pandemic payment pause to show the interest rate so this has nothing to do with interest rates starting back up. The calculation is factoring in a {$100.00} payment I made last month. Despite making a {$100.00} payment, my overall loan amount still increased {$30.00}. It's almost as if the payment was not ever applied even though it's showing up on my account. 

I am hoping we can still reach a resolution and I will be refunded the difference I was over charged, or the payment being correctly applied to my account. I tried to work this out directly with Nelnet and they refused to respond. Due to the nature of the complaint with being over charged on interest and not receiving a response, I'm escalating this to a UDAAP complaint with the CFPB. Even with calculating the interest amount of my loans, the amount is around {$28.00}, so the amount interest I was charged doesn't match GreatLakes or the interest percent information provided on my account. This can also affect my credit score because the loan amount is increasing more than it should.

I am requesting Nelnet : 1. Explain why my balance increased {$30.00} over the past 30 days after making a {$100.00} payment on 9/22/23.

2. Explain what my total monthly ( 30 day period ) interest dollar amount is on my student loans ( not just the percents, the total dollar amount ) 3. If the interest dollar amount increased, explain why interest is substantially higher than before the pandemic 4. refund me the difference, or correctly apply my previous student loan payments. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I am filing this complaint to request the removal of a negative account that XXXX XXXX is reporting on my XXXX, XXXX, and TransUnion credit report. The account number reported on my credit report is XXXX. I called XXXX XXXX on XX/XX/XXXX, to discuss this account. I was told by the customer service representative that I could settle the account for {$200.00}. I asked him if the account would then be reflected as paid, and all negative entries would be removed from my credit report. He said not unless I paid the balance in full. I told him it was critically important that all negative information be removed from my credit report, and I agreed to pay the full balance of {$400.00}. I have attached a copy of the receipt from my bank to this letter. It has now been over one year since my payment, and XXXX XXXX is still reporting negative information on my credit report. This account was first reported to the credit bureau on XX/XX/XXXX. I have sent letters to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and received no response or resolution. I am requesting that XXXX XXXX delete this account from my XXXX, XXXX, and TransUnion credit reports immediately.

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 2021-07-14
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/21 I was at XXXX XXXX in NY. I tried to use my Netspend card at the ATM. It declined my card and would not dispense any money. On XX/XX/XXXX I called Netspend and they said that my account was frozen because there was suspected fraud activity. I told them that the company that directly deposited my money had called them to verify if the account was still active. I asked why hadn't they contacted me before the denied access. I was told it was their policy to freeze an account if they suspected fraud. So I told them to close the account and send the check to my address. To this day I haven't received my money and I keep getting the runaround about my check. They're saying they sent it to my old address. I have informed delivery so I know that the check was never sent. It's been months and now they're telling me I had to wait 48 hrs to see where the check is at. I called back on 2 days later and then was told I have to wait 10 days for them to do an investigation. This is ridiculous and I want my money back. This company has been nothing but a nightmare since I've had it.

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: 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: Information belongs to someone else

Complaint:
This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$7200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I received my credit report from Equifax and found that n my personal Information there is an inaccuracies with my last name and address. My last name was spelt wrongly as XXXX XXXX instead it should be XXXX XXXX is the correct spellings. it need to be updated or removed. And also I never had a post office box address so this XXXX XXXX XXXX, XXXX, GA XXXX should be removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief