BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Company: WELLS FARGO & COMPANY
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:
My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 non-monetary relief
Consumer complaint received 2020-06-23
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Our car was purchased XX/XX/XXXX. Our monthly payment was approximately {$990.00} per month. The car was in an accident and totaled on XX/XX/XXXX. 

We continued to make payments in XXXX and XXXX. In XX/XX/XXXX, XXXX XXXX XXXX made a payout of approximately {$40000.00} to TD Auto Financing. 

I called TD Auto Financing on XX/XX/XXXX, I spoke to XXXX with TD Auto Finance to make a payment. She told me they had just recieved the payment of approximately 40K and would be calling us to set up a payment plan for the truck after XX/XX/XXXX, XXXX. 

We also recieved a letter saying if we can not pay after XXXX XXXX to contact to set up a payment plan. I contacted TD Auto Finance three times since since XX/XX/XXXX. The first one was on XXXX, XXXX. The second one was XX/XX/XXXX and the third one was on XX/XX/XXXX. 

I found out on XX/XX/XXXX TD Auto Finance had a charge off debt sent to our credit report erroniously due to them saying they had not received a payment in 30 days, even though they had recieved the insurance check on XX/XX/XXXX. 

On XX/XX/XXXX, I spoke to XXXX with TD Auto to set up a new payment plan and the amount we owed remaining was {$11000.00}. 

Per my credit report, TD Auto Finance sent my account to collections on XX/XX/XXXX. At no time from the end of XXXX to XX/XX/XXXX did anyone contact me or tell me about being sent to collections. This has made my credit plummet and effected me buying a house due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
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: Account information incorrect

Complaint:
EXPERIAN reporting inaccurate credit information on my credit report. On XX/XX/XXXX I asked EXPERIAN ( via certified mail ) for verification to show me any valid documentation with my SIGNATURE that I give permission to these companies to run my credit report. EXPERIAN FAILED to provide me with any valid proof and continue to report inaccurate information on my credit report. EXPERIAN failed to do a proper investigation. Because of this inaccurate INQUIRES reported on my credit report. I was denied for apartment rental, denied for a car loan, I could not apply for anything. The most painful time of my life, especially now in COVID-19. PLEASE HELP. ( please see attached ). EXPERIAN violated the federal law and FCRA law. 

They fail to provide me any evidence, they refuse to delete the inaccurate information from the credit report. And they said the item was verified as accurate without any clear evidence. They completely ignored my mail and communication. 

The following HARD inquiries were without authorization, and for no legitimate business purposes. I HAVE NOT AUTHORIZED. As such, it is a very serious error in reporting. 

MUST BE DELETED IMMEDIATELY : : XXXX XXXX XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX EXPERIAN XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  / Inquiry date : XX/XX/XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX EXPERIAN XXXXXXXX XXXX / Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX / Inquiry date : XX/XX/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 2020-06-23
Company: DISCOVER BANK
State: AL
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:
Opened a secured credit card with discover card, over a month ago, was approved and received my card, was not able to login to activate, called and activated card, was not able to use card as needed because they put a security hold to verify info, asked me to sign a government form do they could get 2 years of tax returns, told them I was working out of the country since 2005, they said go ahead sign form and send it in which I did, I called them a week later and they told me to send 3 months of bank statements which I did, then I get a email and was able to login,4 days later they blocked my account, I called them and resent bank statement s, now weeks later account STILL won't work

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: GA
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:
The following items are reporting either inaccurately or as a result of identity theft : Incorrect Personal Information Name : XXXX   XXXX  ( XXXX  & XXXX  ) Name : XXXX XXXX ( XXXX  ) Address : XXXX XXXX  ( XXXX  ) Address : XXXX XXXX XXXX  ( XXXX  ) Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( XXXX  ) The following accounts are reporting inaccurate credit status : XXXX XXXX - Open Date : XX/XX/XXXX ( XXXX  ) and  XX/XX/XXXX ( XXXX and Experian ) Bal : {$9800.00}. I was never late.XXXXXXXX XXXX  - Open Date : XX/XX/XXXX ( XXXX  ) and XX/XX/XXXX ( XXXX  and Experian ) ; Bal : {$23000.00} ; I was never late. 

XXXX - Open Date : XX/XX/XXXX ( XXXX  ) ; Bal : XXXX ; I was never late. 
XXXX/XXXX : Open Date : XX/XX/XXXX ; Bal : {$0.00} ; I was never late. 

The following accounts are a result of identity theft/fraud : XXXX   XXXX  - Date Open - XX/XX/XXXX Bal : {$450.00} ( XXXX, XXXX, Experian ) XXXX - Date Open - XX/XX/XXXX Bal : {$0.00} ( Experian and XXXX  ) XXXX  ( XXXX ) - XX/XX/XXXX Bal : {$7700.00} ( XXXX ) XXXX  - Date Open - XX/XX/XXXX Bal : XXXX ( XXXX  ) XXXX XXXX XXXX - Date Open - XX/XX/XXXX Bal : XXXX ( Experian ) XXXX XXXX - Date Open - XX/XX/XXXX Bal : XXXX ( Experian & XXXX  ) UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  ( 2 TIMES ) XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX  XXXX XXXX XXXX XXXX  THE FOLLOWING PUBLIC RECORDS IS NOT MINE : Bankruptcy Chapter XXXX - Dismissed XX/XX/XXXX - ( XXXX, XXXX, Experian ) Bankruptcy Chapter XXXX - Dismissed XX/XX/XXXX - ( XXXX, XXXX, Experian ) Bankruptcy Chapter XXXX - Discharged XX/XX/XXXX - ( XXXX, Experian, 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 2018-11-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2018, I opened an HSBC Advance checking account to take advantage of the attached {$350.00} Welcome Deposit bonus offer. I deposited {$10000.00} into the account, maintained the balance for 90 days and waited the additional 8 weeks for the bonus to credit. After the 8 weeks expired, I contacted HSBC several times through their live online chat, their 1-800 phone number and their website 's secure mail. I was promised that they would open a case, contact the promotional team and get back to me. I never received a follow up and it's been 2 months since I should have received the bonus at the latest and since I first was promised they would get back to me. I continue to maintain the {$10000.00} balance in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I currently have XXXX XXXX XXXX XXXX account ( XXXX ) with Navy Federal with a limit of {$1000.00} I requested a credit limit increase and was denied. Stating Youve reached Navy Federals Maximum unsecured credit limit.

What is the definition of unsecured credit limit?

Federal Law does not define unsecured credit limit.

When I entered into this consumer credit transaction I extended credit to Navy Federal. When Navy federal pulled my consumer report that inquiry was a receipt showing that the consumer credit transaction in fact took place however I did not benefit from it.

With Navy Federal denying my credit limit increase this is a direct violation of 15 U.S. Code 1691 ( a ) ( 3 ) as It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised ANY right under this chapter. 

I have in good faith extended credit by a consumer credit transaction using my social security number which is by law under 15 U.S. Code 1602 ( I ) is a credit card to Navy Federal who has denied me access to my open end consumer credit plan.

Pursuant to 15 U.S. Code 1635 ( a ) Navy Federal also failed to clearly and conspicuously disclose my right of recession. NAVY FEDERAL failed to provide the appropriate forms to exercise my right to rescind this consumer credit transaction.

NAVY FEDERAL is BOTH civilly liable and Criminally liable. Pursuant to 15 U.S. Code 1611 ( 1 ) Navy Federal failed to provide my right to rescind this transaction which is required shall be both fined {$5000.00} and imprisoned not more than one year.

Since Navy Federal is in direct violation of the Truth In Lending Act and the Equal Credit Opportunity Act they are civilly liable pursuant to 15 U.S. Code 1691e ( a ) for actual damages and pursuant to 15 U.S. Code 1691e ( b ) any creditor who fails to comply with any requirement imposed under the Equal Credit Opportunity Act shall be liable to the aggrieved applicant for punitive damages in an amount of {$10000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The following items are reporting either inaccurately or as a result of identity theft : Incorrect Personal Information Name : XXXX XXXX ( TU & XXXX ) Name : XXXX XXXX ( XXXX  ) Address : XXXX XXXX ( TU ) Address : XXXX XXXX XXXX ( TU ) Address : XXXX  XXXX XXXX ( XXXX  ) Address : XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( XXXX  ) The following accounts are reporting inaccurate credit status : XXXX XXXX - Open Date : XX/XX/XXXX ( TU  ) and XX/XX/XXXX ( XXXX   and XXXX ) Bal : {$9800.00}. I was never late. 

XXXX XXXX  - Open Date : XX/XX/XXXX ( TU ) and XX/XX/XXXX ( XXXX   and XXXX ) ; Bal : {$23000.00} ; I was never late. 

XXXX - Open Date : XX/XX/XXXX ( TU ) ; Bal : XXXX ; I was never late. 
XXXX/XXXX  : XXXX XXXX : XX/XX/XXXX ; Bal : {$0.00} ; I was never late. 

The following accounts are a result of identity theft/fraud : XXXX XXXX  - Date Open - XX/XX/XXXX Bal : {$450.00} ( XXXX, TU, XXXX  ) XXXX - Date Open - XX/XX/XXXX Bal : {$0.00} ( XXXX and XXXX  ) XXXX ( XXXX ) - XX/XX/XXXX Bal : {$7700.00} ( TU ) XXXX  - Date Open - XX/XX/XXXX Bal : XXXX ( TU ) XXXX   XXXX XXXX - Date Open - XX/XX/XXXX Bal : XXXX ( XXXX ) XXXX XXXX - Date Open - XX/XX/XXXX Bal : XXXX ( XXXX & XXXX ) UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX  XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX XXXXL XXXX XXXX XXXX TRANSUNION THE FOLLOWING PUBLIC RECORDS IS NOT MINE : Bankruptcy Chapter XXXX - Dismissed XX/XX/XXXX - ( XXXX, TU, XXXX  ) Bankruptcy Chapter  XXXX - Dismissed XX/XX/XXXX - ( XXXX, TU, XXXX ) Bankruptcy Chapter XXXX - Discharged XX/XX/XXXX - ( XXXX, XXXX, TU )

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 2021-10-14
Company: EQUIFAX, INC.
State: PR
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 disputed this account because of the lates that are reporting with the credit bureaus and the bureaus did not add a dispute remark to the account within 30 days. 
The initial dispute was sent XX/XX/XXXX and still, to this day there are no dispute remarks.

Please see : Francisco v. Midland Funding, No. 17 C 6872, 2019 U.S. Dist. LEXIS 20601, at *2 ( N.D. Ill. Feb. 8, 2019 ) 15 U.S.C. 1692e ( 8 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: I.C. System, Inc.
State: PA
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 am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. 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 2018-11-04
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a copy of a letter from Wells Fargo dated XX/XX/XXXX sent to my attorney and the CFPB. In their response, they included exhibit documents A, and B for the CEMA. CONVENIENTLY, they choose not to include the attached Exhibit D in their 71 page response. This document shows a notary stamp and the notary 's signature of the document. This document, Exhibit " D '', was never signed by myself or my wife.This proves that the notary was not present at the closing, and notarized all the document afterwards.This brings into question any of the other signatures on other forms, and that other documents were falsified after the " closing ''.

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 2021-10-14
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid, Closed. 
XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance- StatusPaid in settlement. {$1600.00} written off. 
XXXX XXXX  XXXX Potentially negative Date openedXX/XX/XXXX Balance {$870.00} StatusAccount charged off. {$1000.00} written off. {$870.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date openedXX/XX/XXXX Balance {$12000.00} StatusAccount charged off. {$11000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this debt with the credit bureaus as well as the creditor. The collection company responded by saying they were unable to locate my account or any valid documents proving I owe the debt. 

If option is available I can send copies of my letters as well as the creditor 's letter. 

Would like this removed from my report immediately as it is damaging, against the law, and ruining my chances of getting approved for more credit. 

Thank you for your help in this matter, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On my credit report from all three credit companies they are still showing accounts that are open when they should be closed and they are all have XXXX balance remaining to be paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: TD BANK US HOLDING COMPANY
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:
TD bank/Target is reporting account as unpaid and charge off when in reality the account has been paid since XX/XX/XXXX. The law firm of XXXX XXXX XXXX has notified TD of the payment both electronically and verbally via a conference call that took place on XX/XX/XXXX between the clien, Target/TD and the law firm. TD need to update the account as settled

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14
Company: Allied International Credit Corp., (US)
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About 1 year ago I started to get calls about a payday loan which I never took out. I have never taken a payday loan. Over the past year, Ive received no less than a dozen calls to which I responded this debt is not mine. About 1 month ago I got a call threatening legal action and offering quick settlement before having to go to court. I explained the debt did not belong to me and that Id see them in court. My wife received a call on XX/XX/XXXX and again on XX/XX/XXXX. attempting to locate me. My sister in law received a call XX/XX/XXXX attempting to locate me. I received a call XX/XX/XXXX. I did not take out this loan and want the calls to me and my family to stop. There is no identifying company calling and when I call back the voice mail is only a series of numbers. Online search of the phone number returns XXXX XXXX XXXX

Company response to consumer: Closed with explanation