BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused my a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-05-30
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I made a report with the police I made a report on identity theft. Gov I reached out to the email that was giving by mr.XXXX & still no response its almost been a month mr XXXX was very rude when I asked for info tried to tell me he spoke to me about living in a unit after I told him I did not it was fraud he kept going instead of getting me a manager he says youll be contacted I sent the e-mail to the manager on XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Synovus Bank
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have previously stated that to the company that I am and have been a victim of identity theft, I included several documents proving that the debt they stated I owed did not belong to me ( My FTC Identity Theft Report, My Proof of factual identity and my Notice to Furnishers and included documents stating that my phone number has been listed on the do not call registry so calling me is therefore harassment and illegal by federal law I HAVE BEEN CALLED EVERY DAY 3 TIMES A DAY OVER A DEBT I DO NOT OWE, I also sent 3 cease and desist letters to the proper address listed above. I also sent information on the Federal Fair Debt Collection Practices Act ( 15 USC 1692 ( a-k ) and specially Section 807 ( 8 ) ( 15 USC 1692e ) and information from the Fair Credit Reporting Act specially section 623 ( a ) ( 3 ) ( 15 USC 1681s-2 ) ( A ) ( 3 ). I have complied with federal law and my rights as a consumer and I believed in good faith that this company would handle this matter in compliance to my legal rights, but in fact this company has not ... in fact in response to my cease and desist letters I received a email back stating that I needed to provide my debit card information to verify my identity and remove the charges off of my account which I have record of now as well and records of other fraudulent activities that a debt collector should not do. 



I provided my debit card information and instead of having the debt removed from my credit report I was charged XXX $ for a new account I did not authorize in the first place, and XXX $ for an additional account I also did not authorize. I also received several harassing letters stating that my credit score would drop 100 points lower if I did not pay the debt and I have record of each letter which I will forward to the Attorney General and my credit score did in fact drop ( so these are valid and factual ). By federal law this is illegal and is 2 counts of fraud which I have all my records of and I can prove in a federal court based on the facts that I have .... 
the company even issued me photos stating that my refund for my accounts would now be processing but I never received anything and I am still being pressured into paying for something that isn't mines, I waited 6 long weeks and nothing ever changed and when I called the company they denied that I even had a account with them in the first place. this is not ok. They denied that I was issued a refund and they have been lying this whole time and now my personal life is suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
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: Account status incorrect

Complaint:
This account is involved in litigation : XXXX  XXXX. Please delete from my credit report.

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 2020-05-20
Company: Experian Information Solutions 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$5500.00} XXXX  XXXX XXXX {$2700.00} XXXX  XXXX XXXX {$640.00} XXXX XXXX XXXX {$2200.00}

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 2017-08-10
Company: CIT BANK, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open an online saving account in XXXX XXXX 2017 and XXXX XXXX 2017 with CIT bank ( online ), but they rejected my application without a legit reason. I feel really offended and discriminated during the process. First time ever to have the issue with opening a saving account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$5500.00} XXXX  XXXX XXXX {$2700.00} XXXX  XXXX XXXX {$640.00} XXXX XXXX XXXX {$2200.00}

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 2020-05-20
Company: EQUIFAX, 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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$5500.00} XXXX  XXXX XXXX {$2700.00} XXXX  XXXX XXXX {$640.00} XXXX XXXX XXXX {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Tower Loan constantly calls in an attempt to collect an alleged debt. Tower Loan has be asked to cease communication and provide documentary evidence of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX is falsely reporting our previous mortgage with them as having been " discharged in a chapter XXXX bankruptcy ''. Our mortgage was not discharged. In fact, we modified our mortgage through XXXX XXXX XXXX ( which we lodged a previous complaint XXXX ) wherein XXXX  XXXX XXXX constantly played games of sending out paperwork late and stated it did not receive them. 

In any event, our mortgage with XXXX  XXXX XXXX was NEVER discharged in a bankruptcy. It was modified and paid on time. Thereafter, it was sold by XXXX XXXX XXXX to XXXX XXXX now known as XXXX XXXX. 

I have called XXXX XXXX XXXX customer service department and loss mitigation department regarding the reporting and yet it still is being inaccurately being reported as being discharged. 

I have attached proof of the transfer of the account from XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-03-03
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mercantile Adjustment Bureau has placed a collection on all of my credit reports in the amount of {$370.00}. I have never received any information from this company regarding the debt. I have requested information on several occasions. I believe this account to be fraudulent or otherwise made up. Please remove this item from all my reports immediately or provide a signed contract or agreement as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. US DEPT ED XXXX {$2200.00} XXXX  XXXX {$2200.00} XXXX XXXX  XXXX {$8200.00}

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 2020-12-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a federal XXXX student loan go into default as I missed seven payments, when I was away for a XXXX XXXX that I thought I had organized all of my payments before I left in XXXX. The late payments are reported on the balance history as is the status of it going to collections. When talking to the lender ; even though it did go into default, it never went to collections. The collections coordinator ( XXXX XXXX ) of the university ( XXXX University ) had explained that even though it was reported as an accelerated account to her by the student billing service ( XXXX  XXXX  ), she did not place it into collections as she explained to me in an email that, " I do not immediately place accelerated accounts in collections ; I hold off for approximately 30 days in hopes that we can still settle the account. As was the case in your situation. '' It was reported under collections in XX/XX/XXXXXXXX and back in XXXX/XXXX of XXXX as well. When it was reported under collections this past late summer, that is when my credit score took a hit. After making disputes against this with Experian and the loan billing servicer, the collection reporting under the balance history was only pushed right to XXXX/XXXX XXXX, still being reported in XX/XX/XXXX as well. It now shows " No-data '' from XX/XX/XXXX to XX/XX/XXXX. When I immediately found out about this loan, I had paid it all off in XX/XX/XXXX. I have paperwork from the university and billing service company that states I am good status and was paid off in XX/XX/XXXX. I disputed multiple times with Experian both online and over the phone while also supplying the correct paperwork these past two months, and it shows it being " updated '' but no information has been changed in terms of the removing of it being reported as " collection ''. If there is more information that is needed or supporting documents, I would be more than happy to supply them, but I just do not understand why Experian can not change the incorrect information that I explained to them with proof.

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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. US DEPT ED XXXX {$2200.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX {$8200.00}

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 2018-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have called, mail both with tracking and regular mail to all 3 credit buries to remove inaccurate personal information from my credit report.

Here is the USPS tracking XXXX, XXXX XXXX, XXXX, XXXX They have being unresponsive and I can't deal with them anymore and need your help to resolve this.

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 2020-12-12
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX, I paid TD AutoFinance {$7500.00} to pay off my auto loan. On XX/XX/XXXX I made an errant {$5000.00} payment on the same loan. XXXX XXXX XXXX stepped in to recover the {$5000.00} and were successful in doing so. TD AutoFinance sent me the title and a refund check of {$4.00} because I overpaid. Since that time they properly reversed the {$5000.00} payment on my account but also errantly reversed the {$7500.00} payment and only applied {$2500.00}. I have been on the phone with them a dozen times and have received multiple phone calls and lately have received letters stating they will report me to credit bureaus and have the right to repossess my vehicle. I have also sent 2 letters to their complaints department with no response. They refuse to get on the phone with XXXX XXXX XXXX to resolve this issue. They will not send me record of the all of the phone calls I've made or the phone calls they've made to me. This loan was paid off in full yet they will not clear the account. My most recent attempts once again to address this issue began again on XX/XX/XXXX with a supervisor XXXX XXXX who said the issue was obvious and it would be resolved. It was not. I then spoke again on XXXX requesting supervisor call back with no response. I called on XXXX requesting a supervisor call back with no response. On XX/XX/XXXX I spoke to rep XXXX who said the cashiering department would call me back with no response. I called on XX/XX/XXXX and spoke to a rep and then tried to conference XXXX XXXX XXXX and she hung up. I called back and spoke to a new rep who said a supervisor XXXX XXXX would call be back within 24-48 hours. This has gone on long enough with countless hours of wasted time. I paid off this loan and at this point I consider TD AutoFinance behavior to be harassment. I am providing my bank statements and my TD AutoFinance running balance which shows how they errantly misapplied my payment. It shows the {$5000.00} being returned on the errant {$5000.00} payment and also shows the {$750000.00} not being fully applied. XXXX XXXX XXXX is more than happy to assist through their claims department ( XXXX ) as they can show my funds were sent and no longer in my account. Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-12
Company: Lenderfi, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage with lenderfi. I have paid a few extra payments over the past few months. The companys ledger is very complicated and I could not reconcile their balance with mine although we all agreed on the payments I sent. The difference is roughly a few thousands. I asked for a transaction by transaction ledger which they failed to provide over the last two months.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
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: Information belongs to someone else

Complaint:
On XX/XX/18 an item showed up on my credit report that had previously been removed under a different collection agency based on a burden of proof that the debt even existed which it did not. It would appear that this debt was then sold to XXXX XXXX XXXX. These practices are highly illegal. I demand that this be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: MONEY SOURCE, INC., THE
State: WV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
TMS purchased our mortgage from XXXX XXXX around XX/XX/2021. They said we were {$4000.00} behind on our mortgage. So we tried to contact XXXX, they could no longer send us any information for it was no longer their account. It took almost 6 months for TMS to send over a complete payment history/ spreadsheet. They sent a spreadsheet and the numbers and the items listed do not make any sense to us. I am attaching the spreadsheet to this complaint because we need clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: T.S. Holdings
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is listed on a apartment lease that has been sent to IQ Data. I requested proof of of debt XXXX & XX/XX/2020 and I haven't received anything showing this is my debt. I never signed the lease or anything else. They are calling me every day being very mean they even called XXXX XXXX and told my employee the answered the phone why they are calling and that I owed a debt for XXXX XXXX  with the amount. It has been over 90days since my first request for proof of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09
Company: BBVA FINANCIAL CORPORATION
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:
Compass bank continues to lie and slander my name and not focus on the events that lead to this complaint. In XX/XX/XXXX, I spoke to Compass Credit Card Department to indicated that I never received the card. I was then told the account was closed because the could n't properly ID me. Per the manger in the credit card department if I can go to a local branch and they can ID me and call in to verify me that they will reopen the account which took place. The XXXX CA Branch can verify that this took place. My focus is on the account # XXXX on XX/XX/XXXX reporting to XXXX XXXX that I attempted an unauthorized transaction. First I want to point out that compass just confirmed in there response that my account was opened which contradicts them saying the transaction was unauthorized. The transaction actually took place on XX/XX/XXXX and I took a convince check from my XXXX XXXX XXXX XXXX into a local branch in XXXX CA. I asked the branch what is the best possible way to handle a balance transfer. The branch told me to write out the check to myself and deposited into my checking account. Being that the check is a credit card product before it could be deposited the branch would need to call over to the credit and authorizations department before it could be deposited because the system is flagging it for approval. After waiting about 5 minutes the teller was on the phone with the department and came back with an approval and said the funds where available in my account for immediate use. With all that said compass is reporting for misuse on this account with XXXX XXXX but they already confirmed the account was opened and the transaction in question was approved in branch via credit and authorizations department. Compass keeps focusing on transactions that has nothing to do with the XX/XX/XXXX reporting. When the transaction was made on XX/XX/XXXX my credit card and checking account was opened. Compass then closed the accounts after the transactions were made which would make it an legitimate transaction not what they are reporting. Please investigate the XX/XX/XXXX transaction and correct my XXXX XXXX reporting.

Company response to consumer: Closed with explanation