BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-07
Company: TD BANK US HOLDING COMPANY
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX XXXX, and XXXX  ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX reports as well so in order to correct the inconsistencies between the XXXX XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX XXXX XXXX credit reports. 

The information for this account listed on my credit report is : CREDITOR : TD BANK USA/TARGETCRED, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: NJ
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 have attached a copy of my report and the last letter i wrote to the 3 bureaus for these 2 student loans from XXXX to show that XXXX, XXXX, and Equifax did not conduct a full and proper investigation. They are inaccurately reporting late payments and I have requested that they investigate these issues and update them to never late. These falsely reported late payments are killing my credit score and are a violation. How can they have conducted a full and fair investigation if there are multiple violations in the reporting? They are paper whipping and just sending back a letter saying that its verified as accurate ... .It is our right as consumers to contact the cfpb when these CRO 's are  violating our rights ... .this is the account # that they are reporting on both accounts XXXX this is a metro 2 violation as they are reporting a letter in the account #. All 3 bureaus are reporting different dates of last activity, All 3 bureaus are reporting different dates of last payment, Look at the payment history they are reporting Differently on the 30,60,90 days late ... .I was never late on these accounts ... ..How are the credit bureaus claiming that they actually investigated these accounts and that they are verified and reporting 100 % accurately and reporting all of these violations? they did not conduct a full and proper investigation is the answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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:
Inaccurate information on my credit reports the charge off dates and last activity dates are different with all 3 reports did not do an investigation to verify TransUnion last activity XXXX XXXX XXXX. Last activity XX/XX/2017 Equifax. Last activity XX/XX/2017 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX sister and legal guardian/Power of Attorney for XXXX XXXX XXXX- the account holder at Bank of America in XXXX XXXX TX. XXXX went into the VA hospital- XXXX XXXX XXXX XXXX XXXX XXXX TX in XX/XX/XXXX. He had XXXX XXXX XXXX  in which he became XXXX. He was transferred to XXXX, WI XX/XX/XXXX. XXXX is still XXXX which necessitated the State of WI appointing me his legal guardian. 
I tried to open a bank account as directed by the Social Security Administration and the Veterans Administration to transact his financial business and take care of his responsibilities. I was told by my financial institution that Bank of America National issued to outstanding reports of {$230.00} and XXXX on XX/XX/XXXX. I contacted Bank of America which is located in another state. I was told I had to come into their branch office with the documentation. I requested their fax process as I am not able to travel to  another state. I was denied. I have been getting the run around from their customer service to their fraud division. I have not been able to get this issue resolved. Bank of America does not have an adequate way of resolving issues for XXXX customers. I have tried to notify them of the fraud on XXXX 's account if the fees resulted after XX/XX/XXXX. I am trying to close the accounts and resolve the issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: EQUIFAX, INC.
State: MA
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 am writing to dispute XXXX XXXX   XXXX XXXX. The highest balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: JPMORGAN CHASE & CO.
State: MN
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:
On or about XX/XX/2018 I disputed a charge of {$16000.00}. 

Chase responded on XX/XX/18 that they would work of resolve the dispute and I was not required to pay the disputed amount. 

On XX/XX/18 Chase notified me that my credit limit was reduced {$16000.00} On XX/XX/18 Chase notified me that my dispute was resolved and my account was credited the {$16000.00} Pursuant to review of CFPB rules my credit limit should not have been reduced and resulting negative impact to my credit rating would not have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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: Information belongs to someone else

Complaint:
Problem with credit reporting

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 2018-05-16
Company: McCarthy, Burgess & Wolff, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX my XXXXXXXX XXXX XXXX were not working do to repair work XXXX had to complete and they informed me it would be completed until sometime towards the middle of XX/XX/XXXX. I asked for credit as I had no service and they informed me credit would be applied once repair was completed so they would know total credit. Since I could not wait a month for service I switched to XXXX XXXX. In XX/XX/XXXX I received a bill from XXXX and I called them and they said there was nothing do credit was applied to my account. I have not received anything from them until this month when I received a collection notice from XXXX, XXXX XXXX XXXX for XXXX. They basically told me it was my word against XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: ENCORE CAPITAL GROUP INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland credit Management is claiming I have a {$3100.00} credit card debt from XXXX/XXXX. I contacted XXXX on XX/XX/20, they stated I did not have a debt and had no account delinquencies. 

Per the directions on the Midland collection letter, on XX/XX/20, I mailed a request for complete transactional history for the account. 

XXXX XXXX  responded in writing, XX/XX/20 that they sold the account to Midland, no transaction information was included. 

On XX/XX/20 I received a pre-legal notification from Midland. 

I can not get XXXX, XXXX bank or Midland credit management to provide any transaction details to this account. 

I do not believe it is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2020, my name was legally changed from " XXXX XXXX XXXX '' to " XXXX XXXX XXXX ''. The Social Security Administration was notified the following day and promptly updated their records. 

Throughout the month of XXXX I notified all of my creditors and financial institutions of the name change. That process was complete by mid-XX/XX/XXXX, and in XX/XX/2020 I began receiving statements from my creditors with my correct legal name. 

Since then, the credit bureaus should have been notified of the change via my creditors and financial institutions. However, I can not access my credit report. I am a user of the third-party credit checking service XXXX, which is how I first discovered that my credit history had disappeared. 

At the urging of XXXX 's support staff, I attempted to retrieve my credit reports directly from the bureaus via XXXX XXXX XXXX. I tried requesting my report using my correct legal name ( XXXX XXXX XXXX ) and all three bureaus notified me that my credit could not be pulled. I also tried using my former name ( XXXX XXXX XXXX ), with the same results. 

As my information has been corrected with my creditors, financial institutions, and the SSA, there is no legitimate reason for my credit report to be inaccessible. My address, SSN, employer, etc. did not change, so there are no complicating factors. This was a simple name change. 

This puts me in an impossible position as I can not access my credit report to file a complaint or even determine what the problem is. Without access to my credit report I am unable to diligently and responsibly manage my finances. This is a clear violation of my rights under the FCRA. 

Furthermore, the bureaus ' inability to process a legitimate first name change disproportionately affects members of the XXXX   community, and is likely discrimination under state and federal laws. I am prepared to escalate this issue if it remains unresolved.

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 2018-12-14
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I became aware of this debt in XXXX, XXXX and I disputed it. I also filed complaints with the FTC and XXXX. I believe this account may be the result of identity theft. I have taken proper precautions to protect my identity. In my research I also found that the collection agency, Ad Astra Recovery Services, is in violation of the Texas Debt Collection Act by trying to collect and reporting this debt to the credit bureaus since they claim this debt was incurred in XXXX. This is yet another reason I am requesting this be removed immediately from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$8700.00} into my Ally Bank account last Thursday. I still havent received my funds and my online access has been locked. I need the money and they are not answering the phone nor are they returning my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-14
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/18 my BBVA Compass Checking account number XXXX was robbed in a identity theft embezzlement. The suspects that robbed my account have robbed me over 200 times. Before I opened a account with BBVA Compass I presented them with documentation to prevent this type of bank robbery from happening, they reassured me that my account would be monitored and this could never happen. 

On XX/XX/18 is was robbed in the amount of {$6600.00}. I need my hard earned money back, they failed to protect my account, they failed to protect me as a consumer, they failed to protect me as a customer of their bank. 

Please get my money back from these criminals sending phony levies, and garnishment suspects in my identity theft case that are XXXX XXXX District Attorny Deputies that are on the wrong side of the law. Stealing money from consumer in a official manner bulling banks and employers to steal money from consumers. This ring of local government criminals are well connected with the DMV employees that assist with personal information. 

Attached you will find my Federal Trade Commissioner Identity Theft Report they asked these criminals to remove this from their records more than once and made the XXXX XXXX District Attorey a suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I lost my money in my bank account when they tried to change from XXXX XXXX to XXXX. When I called them they put me on around and sometimes put me on hold without coming back. 
FYI, I lost on my investment account with capital one investing for about usd 400. And I lost around usd 500 in my checking account with Capital one bank. 
I am registered in the institution as XXXX XXXX XXXX. 
Kindly investigate. My suspicion is they make a big mistakes on changing from regular systems to XXXX systems. 
Thanks very much for your attention Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Equifax because my character has been defamed. I demand that this inquiry below be removed immediately.

1. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: NC
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/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
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: Information belongs to someone else

Complaint:
transunion, XXXX and XXXX showing inaccurate information

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 2018-05-16
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On 2018, this debt for {$140.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-24
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Kimball, Tirey , St John are collection agents for a home rental debt that became a default judgment in  XX/XX/2013, the claimed BY CREDITOR date of D.O.F.D.The account no.is XXXX .I have challenged the debt as re-aged, that is, the date of first delinquency was many months prior to the date Kimball ... continuously verifies with XXXX  and XXXX  as a collection account with those  bureaus.XXXX and XXXX  have been provided sufficient information to easily see that the debt is re-aged.The date of 1st delinquency is XX/XX/2013, the date the unpaid rent was due.Since the bureaus do not look into or understand the proof given, they continuously go to the lying collector for verification.This has occurred more than 20 times between XXXX  AND XXXX.I do not doubt that Kimball Tirey as attorneys understand the FCRA violation, they just don't care about the law and lie to the bureaus.XXXX  acted unilaterally and removed the account upon proof of re-aging.I have attached the court docket to prove that Kimball Tirey 's collection efforts on this debt were ongoing in  XX/XX/2013.

Company response to consumer: Closed with explanation