BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-03
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: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

Credit collection acc # XXXX I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2017-08-04
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent multiple letters to the creditor and CBs about the unknown and unauthorized inquiries on all three of my CB reports! I have called the CBs multiple times and spent several hours on the phone disputing information that was n't mine : multiple addresses ( unknown ), multiple names, multiple social security numbers, as well as phones number 90 % of all my personal information is incorrect! I 've asked for letters of validation from creditors and CBs ; with zero response from the creditors and the CB always saying it 's verified- but never shown proof! When I asked about removing all the incorrect personal information they said I had to reach out to the creditors to clear that up ... and inquiries that I do n't have any idea of they said inquiries are fact, regardless if do it or not, and I needed to contact the creditors -- - THIS HAS BEEN GOING ON FOR 2 years and I do n't know what else to do! Please help! I 've sent all kind of letters and called and sent letters and called -- -- NOTHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA,XXXX reported XX/XX/2018 THIS IS NOT MY ACCOUNT AND I HAVE NO CONTRACT WITH THIS COMPANY. XXXX and XXXX   have removed this account. I have called Equifax and they keep taking the dispute by phone then when i call give them the confirmation number they say it does not exist but give me another one with same number as previous one. I have put it in writing no response it is impossible to use the Equifax online portal they have so many flaws and they are not handling my report responsibly i would like for the item mentioned above removed thank you hope you can help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On Monday XX/XX/XXXX, I called Capital One regarding my credit cards. The two credit cards that I have with Capital One had the same due date. I asked what happened and why were the due dates now the same. The first credit card ending in XXXX has a due date every month on the XXXX. The second credit card ending in XXXX had a due date of the XXXX of every month. In XXXX I had two credit card payments that were due at the same time. I called the customer service phone number to ask why was this happening. The customer service representative stated that the due dates were changed. I asked to speak to a manager who was very rude and told me that Capital One sent a letter out last year. 

I did not receive any letter stating that my credit cards would have the same due date. The manager then changed one of the dates from the XXXX of the month to the XXXX which still doesn't give me time to pay on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reached out to Equifax in reference to the reporting of an account listed on my credit report. I disputed the account and asked for the account to be verified with proof of if the account was valid or not. These inaccurate accounts were disputed XX/XX/2020. Today is now XX/XX/2020 and still I have no received any update or results from my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: FORD MOTOR CREDIT CO.
State: IL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, FORD MOTOR CREDIT ( I add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have a personal loan with TD bank. I paid it online through my XXXX checking account. TD Bank ( as many other vendors ) can't get an electronic transfers from XXXX directly, so XXXX issues paper checks and sends them through a regular mail. I took this loan in the spring of XX/XX/XXXX and up until XX/XX/XXXX there were no problems - I made payment online, XXXX cuts and sends the check, TD deposits the check. Starting on XX/XX/XXXX of this year all my payments started  returning to back me. Every time I called, I got the different answer : it's XXXX 's fault, we didn't get anything, we don't know, the company that XXXX uses is at fault, maybe an account number is incorrect and I have to add XXXX XXXX before the account number ( didn't work ), the mailing address is incorrect ( I copied it from TD web site ). TD 's system is being updated, etc. TD bank also switched me on " no paper '' billing, even though I didn't ask for it and, even though, many times I asked to get back to paper bills, there are still no bills at all, not over the mail, nor by email. I get call, from tine to time though, when unidentified person asks me to confirm my address and DOB. when I ask why, I am told that they couldn't tell me unless they have a confirmation first. My explanation about potential identity theft falls into a deaf ears. Meanwhile, every once in a while TD bank fines me for not paying in time, which obviously could reflect negatively on my credit history. Once I was advised to pay through they web interface, which I tried. Twice I managed to do it, but every time it took two weeks of attempts to get through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I was interested in a refinance so I contacted my mortgage company, Mr cooper formerlyn Nationstar. I spoke with XXXX XXXX, she asked for my information and checked my credit agave me a quote. I asked if she thought the rates would go lower and she said probably not. After a few week I emailed her and said we were ready. This is where the issue started. She stated in two different emails she would call me. I waited several days and and left her a voice mail and still no reply or answer. I then emailed her manager XXXX XXXX. He said he would have some XXXX call me. Someone called and basically told me it would cost {$5000.00} to refinance and said I should just pay more per month on my current mortgage. I I asked for a follow up email with what we discussed and and my options. She never emailed, so I asked XXXX in an email to have her email me. He said she will call. The level of professionalism is the worst. 
Mr. Cooper XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Consumer Adjustment Company Incorporated
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:
On XX/XX/2020, Consumer Adjustment Company added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Consumer Adjustment Company did not verify this collection. Also, there is NO written form of communication, contact, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA, Consumer Adjustment Company has violated my rights as a consumer. Therefore, I'm requesting legal action to remove the account effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Radius Global Solutions contacted via letter regarding a debt to XXXX XXXX. I responded with a letter asking that they validate that debt is mine and that they had the legal right to collect on that debt. The amount of the debt was {$790.00}. I received a health insurance claim form from them on XX/XX/2020. The form does not indicate the debt is mine nor that they have the legal right to collect on that debt. However without giving me time to respond that item as well as another amount of {$500.00} that undisclosed to me was placed on my credit on XX/XX/2020. So that was 2 collections ( {$790.00} & {$500.00} ) placed on my account by the same company less than a week. Ive tried calling them so that I can quickly resolve this and I have yet to talk to someone. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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: Account information incorrect

Complaint:
I contacted XXXX XXXX XXXX  ( XXXX  ) via email with a Goodwill letter to see if they could adjust the late payments reporting on my student loan accounts with them. The alleged late payments came from periods that my forbearance supposedly covered. The rep said no because the information was accurate. XXXX is not complying with their policy that states any backdated, granted forbearance covers late payments if any shall be a result of it. They brought my account to current but failed to address and remove the late payments that occurred from XXXX XXXX XX/XX/ on the student loan accounts. XXXX is reporting inaccurate information ( late payments ) on my consumer reports with XXXX, Experian, and 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 2020-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Hello, I am sending this communication because my efforts to send this to you via US mail have not been successful. I have sent several letters since XX/XX/2020, hoping to see something returned. Can someone please contact me about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Summary : I purchased a patio set online for {$370.00} at Kohl 's on XX/XX/XXXX using Kohl 's credit card. The patio set was received damaged on XX/XX/XXXX, and returned to Kohls on XX/XX/XXXX. On XX/XX/XXXX, I received a credit on my Kohls card for {$300.00}. I called Kohls on XX/XX/XXXX to find out why I received an incomplete refund on the return. The representatives and finally XXXX, the manager, repeatedly stated that I would receive {$70.00} in Kohls XXXX instead on my full refund, since I already used the {$70.00} I received on the patio set purchase. But, I did not use the {$70.00} Kohls XXXX. Background details : Based on my XX/XX/XXXX purchase amount, I received {$70.00} in " Kohl 's XXXX '' that was valid XX/XX/XXXX - XX/XX/XXXX. I placed an order on XX/XX/XXXX using the {$70.00} Kohl 's XXXX ''. The next day the patio set was received damaged. When I spoke with Kohl 's on XX/XX/XXXX, to discuss the return of the damaged patio set, I also asked if they could cancel my XX/XX/XXXX order that I used the Kohl 's XXXX  on, since I knew Kohls policy would be to charge me {$70.00} cash ( because of the return ) if I didnt cancel the order. They said since the stores were closed, the only option is that the order would cancel automatically if I didn't pick-up the order curbside. I received notice on XX/XX/XXXX that Kohls cancelled this order which used the {$70.00} Kohls XXXX. Once this order was cancelled, the {$70.00} Kohls XXXX was in fact not used, and I did not in fact earn {$70.00} cash on the patio set after it was returned. I find it unethical, and may illegal, that Kohls is receiving my money and returning it as Kohls XXXX and will not provide me with a complete monetary refund on my returned purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX has fraudulently reported this debt back and fourth as closed and charged off account on my credit report each time I dispute for update with different credit bureau XXXX XXXX reports different information going from closed account to account charged off which had destroyed my credit on a debt that's been reported closed and charged XXXX  XXXX  didn't want to take responsibility for the damages that the vehicle had during a repo when. I picked up vehicle it was leaking gas and could not be driven off the lot vehicle was towed to XXXX XXXX XXXX  where XXXX  XXXX  spoke with 3rd party released my account information and have promise mechanic payment for damages XXXX  XXXX  was confirmed responsible for damages in transportation of vehicle when finally repaired no on one wanted me to have the vehicle for months I needed my vehicle to get back to work XXXX XXXX XXXX  kept vehicle almost one year only consultanting directly to XXXX  XXXX  where they released my account information with XXXX XXXX XXXX. XXXX XXXX made negotiation with XXXX XXXX XXXX  without me and retrieve vehicle from XXXX XXXX XXXX XXXX robbed me of my life my job the vehicle my credit when they made me pay for a vehicle undrivable from then I called corporate to investigate they close investigation without merit or concerns that vehicle wasn't drivable upon being redeemed although I was advised before arriving vehicle was drivable XXXX  XXXX  took my money for car and as a result I was never able to drive that vehicle credit was destroyed my credit job lost with no vehicle and my life set back by XXXX  XXXX  not honoring they're mission they also released my account information to XXXX XXXX XXXX and spoke to them and not me about holding on to the vehicle which prevented me from having any use of the vehicle after one year they made a deal with XXXX XXXX XXXX and did not honor the customer XXXX  XXXX  picked up vehicle from XXXX XXXX  XXXX  which has all this information has been monitored and recorded and the information pertaining to this account I want this account remove and updated properly my family and credit has suffered enough at this point this account has fraudulent activity all over it XXXX  XXXX  needs to take accountability and responsibilities for the damages of vehicle disclosure of my account information to 3rd party and still charging me as if this account isn't reported as charged off this entire account was fraud on XXXX  XXXX  behalf of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Synerprise Consulting Services, 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:
On XX/XX/2020, Synerprise Consulting XXXX  INC added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Synerprise Consulting did not verify this collection. Also, there is NO written form of communication, contact, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine.

According to the FCRA, Synerprise Consulting SBS INC has violated my rights as a consumer. Therefore, I'm requesting legal action to remove the account effective immediately. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving my permission to XXXX XXXX, for them to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me, but anything more is to only be revealed with patient 's authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My purse was stolen on XX/XX/2020 in XXXX, PA. I called TD Bank ( FDIC very number XXXX ) and alerted them to the theft and that my debit card and license were stolen. They Closed my debit card and instructed me to come into the branch to get a replacement. I went into the XXXX, PA branch the following day, XX/XX/XXXX, and again inform the teller that my bank card and my ID and my entire wallet have been stolen, that no checks were included in my purse, and I was looking to make sure that my account was safe. She processed a new debit card for me. On Tuesday, XX/XX/XXXX, I received a phone call from a TD Bank branch in XXXX Pennsylvania. They inquired as to whether or not I was in their drive-through, and when I answered that I was not, we determine the fraud was being perpetrated. Upon arriving at the branch they determined that it withdrawal slip had been forged and my drivers license, which had been stolen, was being used to attempt to withdraw {$4000.00}. Unfortunately, they also informed me that earlier that morning, in XXXX XXXX New Jersey, a withdrawal had already been made using the same drivers license and a forged withdrawal slip for {$4000.00}. Police reports have been filed both in XXXX Pennsylvania and in XXXX Pennsylvania. Im disappointed that despite the fact that TD XXXX was informed twice that my purse was stolen, that no holes were placed on my checking account or alerts placed on my checking account to ensure adequate protection. Ive subsequently, closed my checking account and placed additional protections in place. Unfortunately that does not get me back the {$4000.00}

Company response to consumer: Closed with monetary relief