BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-09
Company: TD BANK US HOLDING COMPANY
State: PR
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:
In XX/XX/XXXX, I asked for a credit report and I realized that I had an account that did not belong to me in the credit report. This account is from Nordstrom for the amount of {$730.00} dollars that someone fraudulently used and stole my identity, according to the credit report it was opened in XX/XX/XXXX. From that moment I tried several times to make a dispute through all the companies of I have credit to have my accounts deleted and the companies XXXX  and XXXX  solved my problem and deleted them. I tried three times by XXXX  making disputes through their website and they denied it. I made a certified written letter on XX/XX/XXXX, asking them to solve the problem and today, XX/XX/XXXX, they told me that the company said that it was not going to delete my account and that they could not do anything. Make a complaint on the website www.ftc.com and send the complaint for identity theft and fraud to the XXXX  website to have the problem resolved. I have been trying since XX/XX/XXXX to have that account deleted that someone used and stole my identity to open it and use the card in my name to make purchases and left a balance of {$730.00} dollars that I never used. I have tried a XXXX ways to solve the problem and both Nordstrom and XXXX, which is the only one that has refused to delete this account, since the other two companies XXXX  and XXXX  deleted it and XXXX  doesn't helped me and I asked that they provide information and evidence that account was mine and they just said they weren't going to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Pacific Credit Exchange Corporation
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:
I have filed a complaint with the three credit bureau 's and the investigation took well over 30 days.

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 2020-12-07
Company: EQUIFAX, INC.
State: LA
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 I sent documentation regarding unknown and inaccurate accounts I found on my credit report. It's over 30 days now but I haven't received any response. I was a victim of an Equifax Data Breach. I demand to Deleted those accounts or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off the mortgage with Nationstar Mortgage LLC in XX/XX/2019, however it is still showing as open and with a balance of just over {$210000.00}. I submitted a dispute with the credit reporting company of XXXX in XX/XX/2019 and XX/XX/2019 I was informed that this information on my credit report is correct. I uploaded a satisfaction of mortgage also, however Nationstar Mortgage LLC still states the balance is correct and the account is still open. I called Nationwide Mortgage LLC and they said that I need to pull my credit report and send it to them so that they can research it. I stated I would send them the Satisfaction of Mortgage but they still insisted that I send them my credit report in order for them to review. I refused to send them this as they do not need this info since they can pull it up in their system and see that it has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 credit score dropped 61 points with Transunion only because my credit card balance increased by {$79.00} and my Dad credit score dropped only 20 points and his credit card balance increased by {$130.00} with Transunion. When I called Transunion and asked a Transunion representative on the phone about my account, he said that nothing had changed, but when I paid Transunion to see what my credit score was, it showed that I had lost 61 points the same as what XXXX XXXX was showing me.

How can I lose 61 points for a {$79.00} increase on my credit card and someone else only lose 20 points for a higher increase on there credit card? I looked at my credit report and nothing else had changed to cause my score to drop that much. I have attached two documents showing proof of what I'm saying.

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 2018-04-05
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX SSN : XXXX XXXX XXXX XXXX XX/XX/1983 Experian XXXX. XXXX XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification Creditor 1 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Creditor 2 ( XXXX ) XXXX Creditor 3 Creditor 4 Creditor 5 Creditor 6 Creditor 7 Creditor 8 Creditor 9 Creditor 10 * Please remove all non-account holding inquiries over 30 days old. 

Thank You, 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 explanation
Consumer complaint received 2020-12-07
Company: ERC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, XX/XX/XXXX ENHANCED RECOVERY COMPAN add a derogatory mark on my credit report per XX/XX/XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPAN has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Three transactions where charged to my Paypal account by XXXX. I contacted XXXX initially and they responded that I need to contact PayPal. I contacted PayPal and disputed these three transactions explaining that I did not have a XXXX account at the time of the transactions and please honor your protection guarantee. PayPal resolved my dispute without throughly researching my case. Had PayPal throughly researched my case they would realized that I had no XXXX ad or promotion. Which would not be possible because I did not have a active XXXX  account at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Army and Air Force Exchange Service
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was already paid in full. I have a {$0.00} balance with this company. I was informed that if i paid it off in full that the account will no longer reflect on my credit report and it still reflects. This is hindering me from obtaining future credit. Im extremely upset that this has not been resolved as this is my 2nd complaint with the company and CFPB. I have proof showing that my account reflects a {$0.00} balance.

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 2020-12-07
Company: BMW Financial Services NA, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have leased a XXXX vehicle XXXX XXXX vehicle from XXXX  of XXXX, XX/XX/XXXX. Every month the bank deducts the payment directly from my account. My family and I was XXXX with XXXX on XX/XX/XXXX and I was in most serious condition. My father also passed during these trying and extremely hard times. As a result, one of the payments on XXXX XXXX was returned from my bank for insufficient funds. However our lives were in disarray as all for of us were XX/XX/XXXX and were in XXXX during the entire period. XXXX  in the mean while had gotten payments from my bank until now on TIME and to this date. 
After seven months I received a call from BMW finances saying that I was in collections and I owe {$920.00}. I didn't have work for 8 months but I kept up my payments. I explained to them that it was because of my sickness I was unable to attend to the matter, but they have no mercy. They reported me to the credit reporting agency for seven consecutive months and demanded payments, they have do not want to help their customers during this HARDSHIP. They even today threatened to report my wife to the credit bureau. I have asked them numerous times and spoke to higher up to adjust the late fees and but they keep threatening and destroying our credits. I have spoken to the manger of finances of XXXX  of XXXX and they say they can't help either. All other major car companies are helping their customer but BMW. We need the people of America beware of this situation. They will not HELP YOU during this PANDEMIC and tough economic downturn. I even offered them my XXXX test results but it went through deaf ears.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: SUNTRUST BANKS, INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A check issued by me in XXXX was withdrawn twice - one in XX/XX/XXXX and another in XXXX XX/XX/XXXX. First of all, the bank did nothing to stop verify the validity of the check. How can they withdraw money from a check that is 2+years old? Second, I called them multiple times to resolve the issue but they showed no genuine interest in doing so. They helped someone steal my hard earned money and did nothing to stop me or help remedy the situation.

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 2017-12-20
Company: Experian Information Solutions Inc.
State: OR
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 opened an auto loan with XXXX XXXX in XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I paid every month and was not late once, EVER. As of this year I filed bankruptcy on XX/XX/XXXX Due to the issues I continually had with the car, my lawyer and myself thought it would be best if I included the car in my bankruptcy. I still continued to pay my car payment monthly up until the company came to pick it up from my home. My monthly payment was due on the XX/XX/XXXX of each month. I did not pay my payment XX/XX/XXXX because at this time I had already told them They could pick-up the car and that It would be included in my bankruptcy. My due date for XX/XX/XXXX would have been XX/XX/XXXX, they picked the car up XX/XX/XXXX. On XX/XX/XXXX they reported to the credit bureau as a charge off! 1. This should re reported as " included in bankruptcy '' OR " dismissed ''. This is not a charge off at all. I have told them about this and it still has not been fixed, I have also disputed this with Experian who is reporting this, and the dispute came back as " valid '' They said the company who reported the charge off ( XXXX ) certifies that the reporting is correct. How can that be? How can they report me as a charge off, when it should re reported as " included in bankruptcy. '' Also it is my understanding that a charge off has to be 120 days or five missed payments, in order to be defined as an actual charge off. When they reported this as a charge off, I was not even 30 days past due, I was only 2 weeks past due technically. Please look into and have this fixed.

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 2017-12-20
Company: Kehoe Financial Group, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have talked to kehoe financial group regarding a debt that i owed through XXXX loan. I told them not to call me at work but they called my work, and even called my spouse and left a message that i have a pending legal case against them. They kept on calling me even if i was tryig to negotiate with them. The person 's name is XXXX XXXX and his phone number is XXXX ext XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: TRUIST FINANCIAL CORPORATION
State: MS
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:
Since XX/XX/2020, I have been back and forth with XXXX  about unauthorized inquires being reported on my XXXX  credit report. I have written them 4 different letters requesting that they be removed to no avail. Since XX/XX/2020, I only recall authorizing 1 inquiry into my credit and that was from XXXX XXXX Visa in XX/XX/XXXX. The following inquires have been disputed as unauthorized several times and remain on my Transunion credit report : Suntrust DBA LightStream  XX/XX/20 XXXX  XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX   XX/XX/20 I do not recognize these inquires, the company associated with them, any firm offer of credit with them, or any account that I hold being associated with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Direct Recovery Services , LLC continuously seeks to collect on a debt that was involved in ID Theft for their client XXXX. They are harassing me, using foul language and using discriminatory statements in an attempt to collect a debt. This debt was deemed as Identity Theft by XXXX. Please see letter attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Nelnet, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
These deptednelnet accounts are reporting with similar inaccuracies. The late 90 days remarks are coming right off a good payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: VANDERBILT MORTGAGE & FINANCE, 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: Old information reappears or never goes away

Complaint:
On more than one occasion the credit furnisher has re-aged the date of first delequincy so that the file continues to remain on my credit history as a negative account. 
Date of first delequincy. Is XXXX of XXXX The furnisher has moved it forward to XX/XX/XXXX and recently moved it forward to XXXX of 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 2020-05-31
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX  accounting and my PNC account were working perfectly together. Somehow the link got broken, and I can not get my account reconnected to the accounting software. I have reached out to PNC, and they say there is nothing on their end causing the problem, the accounting software providers say they have issues with PNC. My wife banks with PNC, and her connection with her bank account is still working with no issues. I just want to get automatic downloads of transactions working again, so they don't have to be manually added.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX my Comcast phone stopped working. On XX/XX/XXXX I found out my phone number was stolen ( ported to different carrier ) and my Capital One MasterCard was stolen. Someone had managed to call them ( using stolen phone number ) and get them to send a new card to their address. This is a card that I have not used in over a year and sits in a locked box in my house ( it is still there ).

Capital One called me about attempted fraud, but will not fix the issue until I prove my idenity. The only acceptible way for them is for me to send them scanned copies of my drivers license. While I understand their need to verify my identity, I am not comfortable sending them copies of my document, since they already have a data breach by sending my card to someone other than me and I therefore do not trust their security. I attempted with many phone calls to negotiate any other way to prove my identity ( go to a physical Capital one branch and show my ID, go to the sherriff, federal agency or similar and do the same thing ) and they refuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-10
Company: SYNCHRONY FINANCIAL
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX XXXX XXXX has called me multiple times about a debt that is not mine. The XXXX has also called my place of employment and harassed my employees about verifying if I work here.

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 2020-05-31
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: Information belongs to someone else

Complaint:
I am looking at my XXXX  XXXX  on XX/XX/XXXX. I noticed 2 inaccurate things one from the other day which is how I noticed it and another thing. This was 100 % not authorized by me. the first thing was a inquiry or something with XXXX  XXXX XX/XX/XXXX which i never applied anything for and another one on XX/XX/XXXX which i never applied for and is also never authorized by me. I have reached out to both companies and told them this is fraud and they said they will look into it. This is all unauthorized by me and i feel this should be off my credit profile as soon as possible under the fair credit act.

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 2019-02-22
Company: First Federal Credit Control, 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: Account status incorrect

Complaint:
account paid off on XX/XX/2019. After reaching out to First Federal Credit Control, they assured that they took necessary steps to remove the account and suggested I dispute it with the bureau. After disputing the collection with the credit bureau, the results stated that the information was confirmed by the creditor to be accurately reporting. I reached out again to the creditor who advised it may take up to six months for the reported information to change, which I know to be inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation