BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I made a purchase through what I believed was XXXX on XX/XX/XXXX for XXXX XXXX Galaxy XXXX XXXX XXXX phones. It turned out the company I made the purchase through was under the name " XXXX XXXX XXXX ''. Zero payment information was sent to me and when I noticed my credit score took a hit I was able to find the payment information through XXXX XXXX. It turns out the payments were to be made through TD Bank. I can live with that hit to my credit report being I was partially responsible. What followed was an all out assault to my credit score. Auto payments were set up and I assumed I was good to go. XXXX comes along and I see another hit from TD Bank on my report. I call once again asking why and am told the automated payment didn't go through. The account had much much more then sufficient funds to pay. Then in XXXX and XXXX of XXXX the same thing happens and I am fed up with the company. I call to completely close the account and pay in full the remaining balance. When doing so I am given an incorrect amount to payoff. The company agreed to remove the following hits to my credit report. My credit report is hit yet again and yet again I call asking why I am still getting hits on my credit report after paying in full the complete balance. I was told " There's still a remaining balance of $ XXXX ''. I ask the representative why on earth would I would pay $ XXXX and leave such a low balance? No answer was given. I again paid off what I believed was the remaining balance. Nope, they again hit my credit report. I call again absolutely furious at this point and request the full payoff amount and am again told it is " $ XXXX '' I ask to speak with a manager and she gives me a different answer to the payoff amount. Finally got the correct payoff information and the account was paid in full. It still states I made payments till XX/XX/XXXX yet I have had the account closed since XX/XX/XXXX. The fact these are the only missed payments on my credit report speaks volumes about the company. I have tried to resolve this through disputes but have come up empty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have some information reporting to my credit report that is invalid! Some doesn't belong by to be and the other is not reporting correct! 
I have listed all details below XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Highest balance {$19000.00} Balance {$12000.00} During XXXX, and the pandemic I had some lates on my car payment, I called them and made arrangements to have them work with me and they advised they would and did and that to us wouldn't effect my credit negatively. Well below are all the dates I was reporting late and since they told me it wouldn't be reporting I feel like it shouldn't XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 30 days late reporting XX/XX/XXXX 30 days late reporting This account below is an account I paid off, it has derogatory payment history and I paid this account on time and paid it off! 
XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$0.00} These accounts below do not belong by to me XXXX ) XXXX XXXX # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX ) XXXX XXXX XXXX  # XXXX Opened date XX/XX/XXXX Amount {$170.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX ) XXXX  Account # XXXX Opened date XX/XX/XXXX Balance {$850.00} XXXX ) XXXX XXXX XXXX  Account # XXXX Opened date XX/XX/XXXX Balance {$1900.00}

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 non-monetary relief
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
NOTICE OF OPT-OUT I have reached out to both transunion, XXXX AND XXXX in XXXX to these XXXX accounts. These reporting agencies kept both XXXX XXXX XXXX and XXXX XXXX XXXX AND XXXX XXXX is now considered income as I have the B copies for both companies. On XXXX website they state they do not report income. So what is the B copy of the XXXX considered? The IRS say that this is income so we these XXXX companies believe they are above the IRS Publication? 

Transunion, XXXX XXXX are third party data XXXX and instead of asking XXXX the XXXX XXXX they go to verify information from third party debt XXXX. MY Rights are being interfered with and limited my abilities to obtain credit for my personal and household needs. I am injured and Damaged due to the negligence of these XXXX companies. I have applied for housing, credit and a vehicle however due to these companies interference i am being denied. 

I AM THE ORIGINAL CREDITOR THE ISSUER AND YOU ARE VIOLATING THE XXXX XXXX XXXX POLICIES AS THIS IS THIER SOCIAL SECURITY NUMBER AND I WILL GET THEM INVOLVED. 
THIS IS IDENTIY THEIF I GAVE YOU NO CONSENT TO POST THESE THINGS AND I OPT-OUT OF THE REPORTING OF THESE LISTED COMPANIES ON MY CONSUMER REPORT. 
CFPB please review.

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 2023-10-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
On XXXX XXXX I visited a night club in XXXX XXXX. I was unaware it was a scamming business. I purchased only a XXXX XXXX which costed around XXXX USD. I was tricked into thinking that I was only being charged for this XXXX but once I handed my credit card over to the merchant at the restaurant he charged me over XXXX dollars. I didnt realize until I got home and I submitted a claim through Wells Fargo and they were unable to resolve it so it went to arbitration through visa. Visa sided with merchant and now Im stuck with this charge when I was completely scammed. I informed my bank that if you go on the XXXX reviews for the night club all of the reviews are calling them scammers and saying that they have done this with multiple people. I believe visa did not properly investigate this claim because this business is a complete scam.

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 2023-10-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This company has reported me to credit report agencies without the written and/or verbal consent of myself. This is a violation of : 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C They have sent me written letter which is also a violation of my rights. Resolution is for Portfolio Recovery Associates , LLC to remove any reporting to all 3 credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-04-30
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This was removed previously but was applied back on to credit. The agency has failed to provide documents I sent certified letters in request multiple time and have also failed to answer the lawsuit within do time.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance Owed : {$0.00} ; TXXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2019-10-02
Company: Experian Information Solutions 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:
XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-10-04
Company: Resurgent Capital Services L.P.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Company is still reporting inaccurate information on my credit report. Company is lawfully the DEBTOR by LAW Below are definitions and proof Im not the debtor. Lawful vs Legal Lawful means- Im accordance with the law Legal means- Permissible by law Lawful applies to laws of the land that GOD granted the LIVING, not the DEAD! A CORPORATION CANT GRANT ANYTHING BECAUSE ITS A DEAD ENTITY SO ITS IMPOSSIBLE FOR COMPANY TO BE THE CREDITOR! XXXX XXXX  XXXX  CREDIT definition- " CREDIT '' means the right GRANTED by a CREDITOR to a debtor to defer payment of debt or to incur debt, and defer its payment. debtor to defer payment of debt or to incur debt and defer its debt. DEBTOR- The term " debtor '' means person or municipality concerning which a case under this title has been commenced. CONSUMER DEFINITION- The term consumer means an individual or an agent, trustee, or representative acting on behalf of an individual. INDIVIDUAL, AGENT, TRUSTEE, or REPRESENTATIVE acting on behalf of an INDIVIDUAL. DEFINITION OF INDIVIDUAL-In determining the meaning of any Act of Congress, or of any ruling, regulation, or interpretation of the various administrative bureaus and agencies of the United States , the words " person '', " human being '', " child '', and " individual '' shall include every infant member of the species homo sapiens who is born alive at any stage of development. DEBTORS are FICTITIOUS entities. NOTHING DEFINED IN DEBTOR DEFINITIONS DOES IT INCLUDE NATURAL LIVING HUMAN BEING Im by LAW a NATURAL PERSON which is a LIVING HUMAN BEING. A ENTITY, PERSON, CONSUMER, HUMAN BEINGS, and INDIVIDUALS are in FACT NOT LIVING! Who could object??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: OH
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:
The first 4 accounts do not belong to me, I have tried reaching out to credit reporting agencies to get this accounts off my credit report and nothing has happened, also XXXX was for my XXXX  and I had perfect paymnt history and I traded it in for what I have now, I was never late on my XXXX  and that reflects late on my credit report. I also seen many credit inquires an which I did not apply for credit with these companies. 

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 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 2020-03-05
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The company i would like to file a complaint on is LoanDepot, they currently service or own my current loan and i started receiving phone from them on XXXX XXXX and i finally decided to call them back on XX/XX/XXXX to talk about a refinancing opportunity i had due to been with the company for two years ... we discussed several options and i decided to go forward with a 15 years refinancing conventional, paid my appraisal fee, give them all info needed ... i was told the process took 30-45 days since i was an inhouse refinancing ... on XXXX they discovered my credit report changed so a 15 year was no longer available so i received another offer for a 30 year conventional loan, which i accepted, even knowing i am their current customer they continued requesting documentation over and over for about month and a half.. and now as XX/XX/20 they have requested a new appraisal since they discovered there 1st appraisal was requested as a condo but the property is a townhouse.. this of course to my expense .... my estimated closing cost went from XX/XX/XXXX {$2900.00} to {$4400.00} on XX/XX/XXXX ... I would really like to someone competent to look into all this situation, i had a very long work history, perfect credit, verifiable income and i think this company have serviced me on a very unprofessional way, all this last minute expenses makes no sense i really hope they are not taking advantage of other people on real need to lower their payment and charging them whatever they feel like.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX I began XXXX treatment. A few years later I became aware that my identity was stolen. Throughout my treatment Ive relapsed several instances yet attempted to dispute several fictitious accounts. Experian has made this especially difficult for me. They continue to deliberately update inaccurate information although Ive provided several Police Reports, billing statements and documents. For instance Recently in XX/XX/XXXX, my car lender XXXX inaccurately reported my payment 30 days past due. I provided copies of my account information and payment history along with the letter from my lender which granted a 30 day extension. Experian refuses to update the account history properly. Experian is also the only credit bureau of the 3 refusing to remove inaccurate public records. Experian, XXXX and XXXXXXXX all verify public records via XXXX XXXX and ironically XXXX and XXXX removed the false information while Experian is refusing.There is another account XXXX, they refuse removing which Ive also supplied proper documentation for. They removed the historical account information prior to XXXX which proves the first date of delinquency for the stolen vehicle was in XXXX. Following my little brother XXXX XXXX my brother, XXXX was admitted to a XXXX XXXX and The vehicle I co-signed for him was stolen. At the time we were not properly notified because someone changed my brothers address to an unknown place In Arkansas which is where the lender XXXX sent the mail. My mother later contacted XXXX and they emailed her a copy of the final letter after the vehicle was located. I was at this time seeking treatment in XXXX. I have communicated this to Experian, XXXX and XXXX and it seems that Experian wants to ensure the negative history damages my score and trustworthiness. Im convinced this company is discriminating against me.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 XXXXXXXX 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

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