BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-20
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX XXXX, I opened a fraudulent dispute with TD Bank for my XXXX XXXX Cashback Credit Card. I did not authorize the 4 charges of {$950.00} distributed across XXXX XXXX XXXX XXXX ( total unauthorized charges : {$3800.00} ) and the 6 charges of {$990.00} distributed across XXXX XXXX XXXX XXXX XXXX ( total unauthorized charges : {$5900.00} ) to online merchant XXXX. These were all charges made online without my consent or knowledge. After their " investigation, '' TD Bank resolved the fraud dispute in the merchant 's favor and purported that I made those charges. I tried to appeal their decision but they denied that also. I did not make those charges and was not aware of those charges. I was not even notified of these charges, which were in the thousands of dollars, until I looked at my credit card bill. Now they expect me to pay ~ {$7400.00} dollars for charges I did not make. This will devastate me financially. The TD Bank fraud investigator who first contacted me, XXXX XXXX XXXX, called me in late-XXXX XXXX. This was the first time we spoke over the phone, and she immediately accused me of lying and making those charges. I personally found it suspicious ( and rude ) that she would jump straight to accusations before the investigation was resolved. As a result I believed the investigation was already biased against me. I 've also called her 5 days a week every week at her phone number ( XXXX ) XXXX but my calls were ignored. I know they were ignored because her voicemail changed in the time between some of my calls, and she did not call me back, meaning that she heard the voicemails I left her, but she still did not call me back! I can only deduce that this fraud investigator is deliberately ignoring my phone calls. I do not know if she is simply ignoring all phone calls or just mines specifically. I have filed a police report with the XXXX Police Department on this matter ; my case number is XXXX. I believe my identity was stolen along with my credit card information ( I was hacked ), and because of that somebody else was able to make purchases with my card number online without my consent. My case number for TD Bank is XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: MONEY SOURCE, INC., THE
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was laid off by my employer and I was unemployed several months. I requested a mortgage modification they processed my request and they did and claims. I also requested a principal reduction of which they put the principal reduction on and repayment plan instead of giving me the principal reduction forgiveness. Please help!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX/XXXX XXXX XXXX recently approved a loan modification which I accepted. In a conversation with XXXX XXXX, the representative, regarding the modification I informed him that XXXX was not reporting my mortgage payments to the credit bureaus. In XX/XX/2017 XXXX reported to the credit bureaus that I was 3 months behind in payments. This was inaccurate, erroneous and an error on their part. Instead of correcting this error with the credit agencies, XXXX removed my credit history completely. I have discovered that there is no history of my owning property or payments I have made for the last 10 years to XXXX. The representative explained that it is because I was in Chapter XXXX and that if I want to include my mortgage payments in my credit history, I need to write and have them investigate my request. His explanation is an oversight, mismanagement of my account, and failure to provide due diligence. I informed him that XXXX XXXX/XXXX XXXX  WAS NEVER INCLUDED IN THE CHAPTER XXXX BANKRUPTCY. He said that XXXX did not have that information and proceeded to remove my information from the credit agencies based on the information they received from the BK Court. This is simply dishonesty. I have attached the Notice of Intent .... that clearly shows that XXXX XXXX XXXX ( the investor ) was served with the notice that reflects it never had a claim amount and was never paid. The main claimant was my XXXX XXXX XXXX XXXX, and IRS and credit cards. This notice was served to the investor by the BK court so how could XXXX not have knowledge that my mortgage was not a part of the Chapter XXXX??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: EQUIFAX, INC.
State: NC
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 tried to contact Equifax to get this account removed off my credit report ... this is a fraudulent account that my ex wife XXXX XXXX put in my name I will like for this account to be removed off my credit report.. this account was paid in full and need to be remove from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
Took what I thought was a private loan from XXXX XXXX out in 2006. The college recommended XXXX XXXX. My credit report now show XXXX as my servicer and XXXX XXXX as my lender. No original loan paperwork has been sent to me. My credit report has multiple loans showing. Same amount same loan number appears to be duplicate. 
Loan is now showing as a FFEL when it was private. Loan is over 10yrs old. I have disputed to no avail. Did not apply for a XXXX XXXX loan with XXXX XXXX or XXXX. My college recommended XXXX XXXX for a XXXX XXXX dollar personal loan. I have graduated and can not find a job, I would like to have this removed

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 2019-04-11
Company: CORELOGIC INC
State: IL
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 a inquiry From XXXX XXXX in XXXX on the date of XX/XX/XXXX. 
I have a inquiry from Credco in XXXX on the date of XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX In XXXX on the date of XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX in XXXX on the date of XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX XXXX In XXXX on the date of XX/XX/XXXX. 
I have a inquiry from XXXX  XXXX in XXXX on the date of XX/XX/XXXX. 
I have inquiries from XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX all on the date of XX/XX/XXXX. 
I have inquiries From XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX on the date of XX/XX/XXXX. 
I have a inquiry from XXXX XXXX in XXXX on the date of XX/XX/XXXX. 
I have inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX on the date of XX/XX/XXXX. In Which All Of The Inquires Showed Above I did not inquire about or give my information to for them to run my credit. I Called The XXXX XXXX XXXX number, in a The Customer service or Representatives Did Not Help me Out At All.

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 2019-04-11
Company: Rozlin Financial Group, Inc.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/19 the guy called stating I owe them {$6000.00} for a student loan. The loan was for my sister, whom since XXXX  from college about 20 years ago and continue to pay student loans to this day. However Im receiving this phone calls. I gave the guy her numbers and he stated he spoke with her, but continuously calls my phone for this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards the incorrect item on my credit report. It been well over 30 days and haven't receive any investigation results.

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 2019-04-11
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I monitor my credit closely using FICO, XXXX, XXXX, Credit Karma, and XXXX XXXX. I have 0 negative late payments, 5 hard inquiries, average 24 % debt ratio, average 3+ years credit history, 0 negative reports. 
Suddenly my XXXX score on Credit Karma dropped 59 points! I've researched and find nothing new. I called XXXX and they wanted to SELL me a credit report! Instead, I downloaded a free report of XXXX   from XXXX. 
Again, nothing new showing why they would drop my score 59 points. I'm close to applying for a mortgage and need this fixed. Is this a scam XXXX is doing to sell their products?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax violated my rights also compromised my personal identity that stim from Equifax data breach. I been fighting fraudulent charges and disputing fraudulent accounts that's on my report for over XXXX year now. Come to find out it's because of Equifax data breach. I reached out to equifax sent them supporting documents My police report and my ftc report about the fraudulent accounts on my report. Equifax did nothing. Below is couple of accounts. XXXX already agreed that I am not responsible for the account and so did XXXX XXXX admitted it not my account also. Equifax ignored they decision and now equifax has caused me to get denied for a equity loan threw my credit union ATTENTION : EQUIFAX FRAUD DEPARTMENT CONFIRMATION # XXXX XXXX # XXXX XXXX CREDIT CARD CONFIRMATION # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had a comprehensive insurance claim on my vehicle. The insurance company issued two checks. The first one check was already endorsed and released by the the lien holder First Bank. The 2nd check in the amount of {$1200.00} which is in the name of First Bank and myself is to pay the body work repair. The Body Work has been completed. The person who did the body work repair is still owed. I owe the lien holder the next due of XX/XX/XXXX. Due to COVID and the fact that I am a XXXX  employee, I have no work. First Bank refuses to endorse and release the check to pay the Body Shop. First Bank is demanding that I bring the account current or they will endorse/release the funds. First Bank is attempting to keep the portion of funds needed to bring the account current. 
The Vehicle is a XXXX XXXX XXXX with a payoff of about {$4000.00}. 
The Bank had originally refused to take the amount in full of the insurance to settle the debt owed on the car and for me to not fix it. Now comes First Bank to refuse to endorse the check. 
First Bank has also requested for the vehicle to be Repossed. I applied for the moratorium and First Bank has refused to work this out. 
First Bank is aware that the value of the vehicle exceeds the what is owed. First Bank is now adding additional costs, fees and legal fees. 
I demand to have First Bank be investigated for predator lending.

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 2019-09-19
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: Investigation took more than 30 days

Complaint:
On experian XXXX and XXXX XXXX XXXX is reporting late payments. I paid 2 months at once and requested to have it paid a month in advance. The employee did not do this correctly and put it to pdiceable causing months to be late with out me knowing. I have contacted them. Since the account is paid in full they said they will not change it.

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 2019-04-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received notification that 3 hard inquiries had been made on my Equifax credit report on XX/XX/2019 by XXXX, XXXX  XXXX, and XXXX XXXX XXXX, all in the Auto Finance category. After speaking with several people at these companies, I was told by XXXX XXXX XXXX ( XXXX ) that a XXXX XXXX in South Carolina had made an application for an auto loan over the phone using my social security number as her own. XXXX declined her application and submitted it to affilliates ( i.e., XXXX and XXXX XXXX ). XXXX opened a fraud investigation and concluded that this was in fact fraud. XXXX notified Equifax of their determination of fraud. 

I also filed a police report and made Equifax aware of this as well. 

Based on the information provided by me and XXXX, Equifax is on notice that XXXX agrees that their hard pull on my credit was unauthorized by me and was the result of fraud. Equifax is also on notice that, unaware of the fraud at the time, XXXX submitted the fraudulent request for credit to XXXX and XXXX XXXX, resulting in the 2 other hard pulls. 

Despite having the information above along with my offer to sign an affidavit confirming the same, Equifax has only removed the XXXX hard pull and not the other two. I also have reason to believe that this fraud resulted in grossly inaccurate employment information being listed on my Equifax credit file. Equifax has been extremely difficult to deal with and refuses to take this issue seriously. 

By continuing to knowingly include inaccurate information on my credit file, Equifax is unfairly lowering my credit score and harming my ability to conduct business with any company that uses Equifax 's services. As such Equifax is causing continuing and irreparable harm to me.

Congress should take action to regulate these types of harmful practices by credit agencies like Equifax, but in the meantime, assistance in causing Equifax to correct my personal credit file would be appreciative. It has been almost 3 months and countless hours spent trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: EQUIFAX, INC.
State: OK
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  XXXX. 0pened XXXX XXXX. This is not my debt. Someone else used my identity. XXXX XXXX XXXX   {$830.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX {$500.00}. XXXX XXXX XXXX. XX/XX/XXXX. XXXX medical bill. Va paid it. {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I got letter from this collection agency base out of Washington state and the letter date XX/XX/XXXX.I was check my credit report onXX/XX/XXXX I got alert on my email tell me new stuff be add on my credit report. This company list everything that was on this letter on my credit report before my 30 days I can valid information. I send the register letter from the postal office these item is not my and I need the debt valid. I feel the company violated my rights under the FDCPA. The company got the company that I filed with consumerfiance department and they said We received the complainants dispute notice on XX/XX/. Our records indicate that the previous address we had on file as an incorrect mailing address on XXXX XXXX in XXXX. We only recently obtained updated address information from his estranged spouse and mailed the validation letter to the updated address. Since it appears the complainant did not receive previous communication, we will provide a deletion of accounts recently reported for 30 days. I have not received any letter from this company explain or etc and I notice that place everything back on credit report this month without validation letter.I am going to report this action back to Attorney General today to see if his office give me better answer on this matter.

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 2019-04-11
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX services are paid in advance and would recur every XXXX of the month on my account. Termination was requested before the next billing period, XX/XX/XXXX because I was moving to another place where XXXX is not a provider. They charged my account in XX/XX/XXXX regardless XXXX {$140.00} XXXX, said it was for the outstanding balance and after much argument I payed for it. The following month they charged my credit card {$130.00} and then the following after that I was charged {$160.00}. Both of the last transactions were disputed and resolved with the credit card company 's help by XX/XX/XXXX. Months after the debt collectors started harassing me for a debt of {$190.00} as follows : XX/XX/XXXX : XXXX sent Debt collector XXXX collect ( XXXX ). Upon review of the information provided from my credit card dispute and account closing they found the debt was not valid. 

XX/XX/XXXX XXXX sent Debt collector XXXX XXXX XXXX XXXX. Upon review of the information provided from my credit card dispute and account closing they found the debt was not valid. 

XX/XX/XXXX XXXX sent Debt collector XXXX XXXX ( XXXX ). Upon review of the information provided from my credit card dispute and account closing they found the debt was not valid. 

XX/XX/XXXX XXXX is now sending a fourth debt collector, I.C. System XXXX XXXX XXXX, making a fourth attempt to collect a debt that is not valid. This time they are asking if I would be willing to pay 65 % of the debt. 

I feel harassed by XXXX. I've put up with this for almost ( XXXX ) year.

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 2019-04-11
Company: ERC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Enhanced Recovery number XXXX has been calling me non-stop and even called my job on Tuesday, XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
- On XX/XX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX on behalf of their client and my credit card issuer, XXXX XXXX ( see attached letter # 1 ) - On XX/XX/XXXX, I paid the settlement amount in full to XXXX and received notification that the XXXX XXXX account was settled in full ( see attached letter # 2 ) - On XX/XX/XXXX, the amount of the settlement was withdrawn from my bank account via XXXX for XXXX XXXX ( see attached bank statement ) - On XX/XX/XXXX, XXXX XXXX sent me a letter that the account was settled in full and no additional charges were due ( see attached letter ) - On XX/XX/XXXX, XXXX XXXX sent me a 1099 for the amount of debt discharged for the IRS ( see attached form ) - As of XX/XX/XXXX, XXXX XXXX was still reporting to all 3 credit bureaus that I was delinquent on my account and still owed the discharged amount. I then lodged a dispute with XXXX, but was denied ( see dispute attached ) - At this point in time, I have paid off XXXX XXXX, 9 months ago, yet they still report me as owing and being deliquent, thus affecting my credit.

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 2017-11-30
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I do not have the dates of my student loan. It was XX/XX/XXXX or XX/XX/XXXX. XXXX sold me " college '' debt and the education was n't worth transferring credits bit they helped me get my student loans and grants put thru. I have heard there was a lawsuit. I really need this resolved so I can go back to school. This time just for a certfication. XXXX is like half student loans. Can You Help?

Company response to consumer: Closed with explanation