BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-18
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
I ordered windows and installation for my house with XXXX company on XX/XX/2018. The window is a special order. ( measured of my windows ). I was told the windows would be delivered on XX/XX/2018. However, I was notified that the windows would be delayed till XX/XX/2018 and installation is no time to be scheduled. I contacted XXXX XXXX on XX/XX/2018 and was advised that I had a choice to pay windows ( material ) at the signing contract, and then pay the installation fee when the windows are being installed. I told XXXX that I was not advised nor offered such option. Since, my windows ' delivery date is not certain and I wanted to have the installation refunded. 

XXXX XXXX XXXX XXXX executive office told me initially that I could get refunded of installation fee on XX/XX/2018. On XX/XX/2018, she told me that I couldn't get refund. 

I contacted TD Bank which issued my credit card to dispute {$3000.00} of the supposed installation fee which have never been provided. A representative of TD Bank told me that it would take 90 days to investigate the dispute while I have to pay the money for the service which I did not receive. 

I am forced to pay TD bank for the charges of service I did not receive. 

TD Bank is supposed to protect consumers ' rights. It has failed me in that it did not take my dispute seriously nor offer conditional credit for the amount of money I disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
Company: ERC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This had been on my credit report forever the XXXX  account was opened in XX/XX/XXXX and as you can see no matter how much i paid the higher the bill went. And i was only suppose to pay XXXX per month for the 3 lines i had. When i asked for it to be removed from my credit report or fix the right amount i owed which is the early termination charge which was XXXX per line. Which i ended in XX/XX/XXXX.Which makes me owing XXXX only. Funny how they gave it over to enhanced who keeps it open. saying new account it is not.it 's a 7 yr old account and should have been removed a long time ago. I've called them and explained to them tried reasoning and nothing works. And when my credit is run it comes up as a utility bill causing me to have to pay large deposits for utilities when i try to tell them it's a phone bill from XXXX they say they have to go by what is says on my report a utility bill.so please explain to me how that works and how is it's fair to me. And the sad thing is my bill was always paid in full early every month.yet there was always a higher charge every month that is why i discontinued there service.as they charge whatever they want. As you can see once disputed it several times they just keep making it a new account as open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: Franklin Collection Service, Inc.
State: LA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : FRANKLIN COLLECTION SV Account Number : XXXX Date : XX/XX/2018 Amount : {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: Experian Information Solutions 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:
I did not often request my credit reports last month i decides to do so. and i was surprised to see that XXXX XXXX XXXX XXXX in Utah place an item on my credit file. I send them a letter on XX/XX/2018 to get it removed from my credit file .On XX/XX/XXXX one member send me a letter with one piece of paper with signature that is not mine saying that they sold the account to a collector company so i have to contact the collector. I send him another letter and tell him that the account is fraud the signature appear not mine. At the same time i request them to send the the dealer address, phone number and name for me to be able to contact them. Instead of sending the information they call experian and Experian send me letter saying that they place a freeze on my credit file. On XX/XX/2018 another member send me a letter reporting that he is going to call the tree bureaus for repossession of the account. Before all that the account was showing on the comment that it's charge off. with all those discrepancies it still on my credit file.

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 2018-09-12
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:
This account was billed to a former roommate with my last name provided XXXX with copy of billing that does not include my name, they still left on my report. All 3 of my XXXX balance accounts were closed.

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 2020-11-13
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
I have 2 collections accounts on my credit report that are still showing through experian. XXXX  and XXXX have both removed these accounts. They are both from XXXX, XXXX, and XXXX. One is for XXXX and the other is for XXXX. When I called Experian on XX/XX/XXXX the lady I spoke with couldnt give me an explanation as to why this would be. And could only file a dispute on my behalf. I'm not denying that the accounts were mine. I would like to know why 2 other agency 's have removed these from my report and 1 still shows 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 2016-06-18
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had signed up for citi gold checking account promotion in XX/XX/XXXX and fulfilled all the promotion terms to qualify for XXXX american airlines points to be awarded within 90 days of fulfilling those terms. The last transaction to fulfill those terms was completed XX/XX/XXXX and had been informed thus the points should be awarded into my XXXX XXXX AAdvantage account by XX/XX/XXXX. That did not happen and I have ever since opened numerous investigations and escalations with the Citi customer service and requested it be reviewed by the executive response team to no avail. There are numerous reports of other customers having the same problem as I have which indicates this is malicious intent to bait and switch the consumer. I 'd like a resolution this immediately by Citi fulfilling their end of the terms and deposit the XXXX american airlines points to my account immediately.

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 2018-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 used XXXX XXXX to check my credit report and I have several " hard inquiries '' that I don't recognize. How do I remove these from my report? 

- XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XXXX XXXX XXXX - XXXX on XX/XX/XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been trying to have XXXX XXXX provide a correct calculation of my eligible payments towards the Student Loan Repayment Program for the XX/XX/XXXX-XX/XX/XXXX period for about a year. They have incorrectly recalculated my eligible payments three times to date, to my knowledge. In the beginning of the year, after various incorrect recalculations, I requested a detailed statement showing which payments are qualifying payments and why. On XX/XX/XXXX I received a voicemail apologizing for the time it has already taken to process the request and to verify it is being processed. I called shortly after to confirm the request is still being process. I was told I would receive the document in my inbox within 30 days. It is now 4 months since that call and I have still not received the requested information. I have called numerous times and have been told they are still working on the request over at least 7 months from the initial submission and over a year and a half from submitting my initial verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
To Whom It May Concern, On XX/XX/XXXX around noon, my wife and I called Transunion. When we tried signing me up for credit monitoring there was a problem verifying my identity. The representative informed us of a website we can visit so we can get my credit report and we can go from there verifying my identity. We waited until XXXX to do so and forgot that website. 
My wife called Transunion to obtain that website on Thursday, XX/XX/XXXX at XXXX XXXX  CT. She explained the situation above to the representative she spoke to, her name was XXXX , she did not seem to understand what my wife was talking about. So, the representative proceeded to tell my wife that I can sign up for a transcription online. She explained the situation to her again and told her that all she wanted is that website address. The representative then proceeded to ask my wife for my social security, which my wife did not provide and asked her why she wanted that. The representative wanted to check if I have an account with them. My wife said that I didnt have one. My wife provided my name to the representative who proceeded to look me up in the system and obviously coming out empty handed. I DID NOT authorize them to give out my information to anyone and the representative was willing to give out information about me. 
My wife called back immediately at XXXX XXXX CT to talk to a supervisor and spoke with XXXX XXXX Consumer Relation Department. She asked for his employee ID, he told her that was confidential. She explained her concern for the release of confidential information based on the conversation with the representative and told him if it was that easy to get the representative to provide information about me she is worried anyone can just call and obtain information about anyone. He did not ask my wife who she spoke to and proceeded to defend the employee and claim she did not do anything wrong. He then offered to give my wife the number to the online department so that we can get an online subscription. 
I am very concerned about the confidentiality of my information! 
I have provided dates and times because Transunion claims to record all calls.

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 2020-05-23
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my credit report today Caine and Webber posted a negative item they claim I owe. The name and social do not match. Further I settled with XXXX  in court over this issue before as well as XXXX  And both admitted this was not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions 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:
Currently there is a credit card showing on my report for XXXX XXXX XXXX. This bank has reported to my credit reports that I have a {$350.00} charge off as well as MULTIPLE late payments throughout XXXX and XXXX. This account is not mine. 

When trying to resolve, I am told by customer service that I can not speak to anyone and get details on the account because my information ( aside from social and birthdate ) does not match the information on the account. I can't verify this information because it is not my information. This information includes mother 's maiden name and my address. 

Because I am unable to verify any information, I am unable to establish where this account came from or get any relief. 

I have even attempted to possibly pay the account, just to assist in fixing the information on my credit report. I am told that I can't pay over the phone but must send a payment via mail. This payment will need to include an account number that I do not have because they will not give it to me. Once they are able to find the correct account number to apply the payment ( after weeks of processing between mail and them finding the correct account ), they will then hold the payment for 2 weeks to make sure it " goes through ''. I am not given any option that allows for a timely resolution to the issue. 

They have given me NO options for resolving the actual damage to my credit report. They have offered the mailing of a fraud affidavit, which will include the request of account information that I DON'T have. This affidavit cant be sent any way but mail, and can only be returned by mail. This process alone can take weeks. From there, they can take weeks to " investigate ''. 

This is not allowing me a timely resolution. This account is fraud and needs to be suppressed accordingly until properly investigated. This account can not report on my credit bureaus if I can't even obtain account information due to fraudulent information given to set it up.

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 2018-11-18
Company: Screening Reports 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: Investigation took more than 30 days

Complaint:
XXXX ONCE AGAIN IS BIAS AND SHOW FAVORITISM WITH INVALIDATED COLLECTION AGENCIES. DELETE THESE ITEMS OR BE SUED IN CLASS ACTION AGAINST XXXX, SCREENING REPORTS AND XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-18
Company: Rent Recover, LLC
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: Investigation took more than 30 days

Complaint:
XXXX ONCE AGAIN IS BIAS AND SHOW FAVORITISM WITH INVALIDATED COLLECTION AGENCIES. DELETE THESE ITEMS OR BE SUED IN CLASS ACTION AGAINST XXXX, XXXX XXXX   AND RENT RECOVER LLC.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
EQUIFAX ONCE AGAIN IS BIAS AND SHOW FAVORITISM WITH INVALIDATED COLLECTION AGENCIES. DELETE THESE ITEMS OR BE SUED IN CLASS ACTION AGAINST EQUIFAX, XXXX XXXX   AND XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
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: Information belongs to someone else

Complaint:
these accounts listed in this complaint do not belong to me someone use my information to open fraudulent accounts with out my consent or knowledge someone use my photo id and social security number I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-11-13
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:
experian reporting 30 day late payment on my XXXX account when i was never late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: FISERV INC.
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I RECEIVED THE EIP VISA DEBIT CARD FROM US GOVT. 
I FOLLOWED INSTRUCTIONS TO CALL XXXX. MULTIPLE CALLS RESULTED IN SAME INSTRUCTION TO ENTER A PIN ON AUTOMATIC MENU, NO AGENT SERVICE. ACCORDING TO INSTRUCTIONS ( on line and written info ), THE AUTOMATIC MENU IS SUPPOSE TO ASK ME FOR LAST OF SS #. 
I NEVER HAD THAT OPTION. 
I TRIED UNSUCCESSFULLY TO REGISTER ON LINE BUT WAS UNABLE TO ESTABLISH A PIN. I WENT SO FAR IN THIS FUTILE PROCESS THAT I REGISTERED WITH THE BANK, MONEY NETWORK, IN THE HOPES TO BE ALLOWED TO ENTER A PIN FOR THE DEBIT CARD. I HAVE TRIED CALLING THE MONEY NETWORK BANK BUT CONTINUOS BUSY SIGNAL. I DO NOT WANT TOBE PART OF THIS BANK 'S SYSTEM. VERY POOR CUSTOMER SERVICE. 
I WOULD GREATLY APPRECIATE HELP IN GETTING A PIN IN ORDER TO USE THE EIP  CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
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:
Pursuant to FCRA The unverifiable items listed report still remain in violation of federal law. They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) and sections 611 ( a ) ( 1 ) ( A ) .. ( consumer contract with any signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA- you are required to ... properly delete all information which can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: NAVY FEDERAL CREDIT UNION
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 have called and sent a police report into the creditors and I am still being accused of these accounts. I have no idea of knowledge of these accounts. This is really hindering me of applying for credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
Someone keeps trying to apply for credit cards in my name. XXXX card was applied for again yesterday while I was at work! This has happened several times and Ive already reported it but Im not sure if the other inquiries got taken off either. I have been building my credit score back up and this keeps pulling it down. I have not applied for a credit card 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 2018-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 would like TransUnion to have a copy of my identity theft report along with my ID and Social Security number and I would also like an extended fraud alert place on my credit file for the next seven years. I would like TransUnion to remove a collection account ( XXXX XXXX XXXX ) that I have included in my identity theft report that is fraud. 

Thank you for Transunion time out to look into my credit file.

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