BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-27
Company: TD BANK US HOLDING COMPANY
State: MA
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 ( hard inquiry ) on my XXXX  report from TD Bank reported on XX/XX/XXXX. I called XXXX, they said, I needed to call TD Bank so the can re-report the mistake or else it is going to remain on my report for 2 years. I called TD Bank, then TD Bank says, they have no record and no information and I should call back XXXX to dispute and delete it. They both blame each other and telling me the other party should and is able to initiate the deletion. 
I do NOT have a TD Bank Credit Card account, never applied for any kind of Credit, never applied for any sort of loan or any third party that is affiliated with TD Bank. My final hope is to contact you ( CFPB ) to see if you can investigate and somehow ask XXXX to remove this hard inquiry from my report because it is affecting my score for another year or so. Thank you! 

Copy of XXXX report : TD BANK Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2021-12-24
Company: Arena Investors, LP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from North Shore Agency about a debt that is not mine. It says I owe money to XXXX XXXX for {$19.00}, but I have never heard of this company and have never done business with them. 

The letter states I can dispute the charge electronically at XXXX. However, this is not a valid website and I can not exercises my FDCPA dispute rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, 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:
There are 4 accounts on my credit report that are not mine they do not belong to me I have not opened or know what these are on my credit report I need these off ASAP!!! XXXX XXXX XXXX  - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$9500.00} Opened XX/XX/XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$3800.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX - Acct # XXXX Amt {$9500.00} Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account is not mine. In 2014 XXXX XXXX stole my identity. I dont know how many times I have let all 3 credit report bureaus know this information. They still let creditors put the identity theft on my credit report. They dont check nothing before putting it on my reports. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX credit card. XXXX needs to take off XXXX XXXX XXXX, TransUnion has taken off the the bad. But still no Good standing on my report. XXXX still has all the identity theft on my report. Name wrong and still dose not have any of my good standing. XXXX  bank, XXXX, XXXX, XXXX XXXX, these accounts need to added to XXXX, trans union, XXXX. Please add the good standing on my reports if not already done so.

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 2018-08-27
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Someone stole my card and the XXXX card was in my purse which got stolen too with driver license social security cards and XXXX will not refund my money they think it was me I did a police report and found out who did it 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 2023-01-09
Company: MRS BPO, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I NOTICED A ACCOUNT THAT I WAS UNAWARE OF I DISPUTED IT WITH THEM I WAS A PART OF XXXX XXXX XXXX I HAVE PROOF OF THAT IN MY IDENTITY WAS MIS USED I JUST WANTED THE ACCOUNT REMOVED SO I CAN MOVE FOWARD BUT IF I HAVE TO TAKE LEGAL ACTION I WILL THE AMOUNT WAS {$1800.00} THE DATE OPENED WAS XX/XX/2022 15 usc 1692 G B. THIS ACCOUNT IS NOT MINE CAN YOU PLEASE REMOVE THIS HARMFUL INFORMATION IF YOU CAN NOT VALIDATE DEBT. ( XXXX XXXX ) ( FDCPA ) ANY REPORTING OF THIS DEBT TO THE CREDIT BUREAUS PRIOR TO ALLOWING ME TO VALIDATE IT MAY BA A VIOLATION OF FCRA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19
Company: Experian Information Solutions Inc.
State: MD
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:
All the three credit reporting agencies , XXXX, Experian and XXXX  XXXX  have wrong info on my files. I was a victim of identity theft and all the negative reports on my credit are all not mine. I reported being a victim of identity theft { someone used my name address and even my picture to obtain these accounts which are listed on the files.

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 2018-02-28
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: Account status incorrect

Complaint:
I am submitting additional evidence for a current complaint that is under investigation. XXXX. As stated before on XX/XX/XXXX my Equifax svore dropped XXXX  points. As a result of them removing my XXXX XXXX XXXX account from my credit report. This was done without my request or authorization. Since then I've been checking my credit more often. And to my dismay, Equifax has continued to re submit the same false statement on my report. They've adjusted the dates. I checked my XXXX  report. For reference as to what my actual report should look like. And their information is correct. Equifax has blamed XXXX XXXX for the false statements on my report. The fact that, i can check my transunion on XXXX XXXX and their information is accurate. Shows that the fault is clearly with equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: Flagstar Bank, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I recently had at least two account sold by XXXX XXXX to Flagstar Bank, which caused me to be unable to access server all XXXX dollars I desperately needed. I now live >100 miles from the nearest branch, so all of my XXXX XXXX banking was done online. I became aware that XXXX XXXX was planning to sell my savings account. First, I spoke to a XXXX XXXX representative about my wish to have my account remain with XXXX XXXX, but I was told there was nothing I could do. 

I told the representative my plan to drain the savings account, and at no point did the XXXX XXXX rep mention my checking account was moving to Flagstar too. 

On XX/XX/XXXX my checking and savings were moved to Flagstar.

I made 3 calls total to try to get access to my money between XX/XX/XXXX-XX/XX/XXXX. Flagstar is online banking was completely in accessible during this time. I never wanted to be a Flagstar bank customer, and now they have multiple accounts opened in my name. What concerns me even more, is that they refuse to close the accounts without several pieces of highly sensitive personal information being mailed or faxed to their corporate office. It seems crazy to me that a bank would be allowed to open accounts in my name without my consent. I would really rather not create a paper trail of my personal information for clock Flagstar to use to advertise to me. Furthermore I learned they are using my Social Security number as a login for the online banking portal which leads me to believe their security practices are subpar to say the least.

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 2023-04-26
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This issue is regarding an auto loan I had dating back to XXXX, with Credit Acceptance Corp. It was a used XXXX  and the transmission went out on the vehicle, I called and had them pickup the vehicle. I only had the vehicle for 24 months and the transmission went out. Credit Acceptance is reporting the vehicle on my consumer file as a repossession, the vehicle was not a repossession, it was an involuntary repossession because the vehicle was sent back because it had a faulty transmission. In addition, Credit Acceptance Corp is claiming I owe a balance of {$4100.00} dollars for a lemon they sold me. This account should not appear on my consumer file, Credit Acceptance Corp is reporting inaccurate information on my consumer file and this account should not appear on my credit file. This account should be removed from 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 2022-05-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Good Afternoon, Today I noticed that chase Bank pulled my credit without my approval. I didn't give any authorization for chase to pull my credit and I have no chase products. XX/XX/2022 is the day my credit was pulled. Please investigate, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I reserved XXXX XXXX for one night on XXXX on XX/XX/XXXX. There should be no charges since I only used my chance debit card to hold the one night stay. But the hotel charged me one night fee on the XXXX. Then I went to this hotel on XXXX and checked in using another international credit card to pay for the fee, not the chase debit card. By the time, I didnt realized that I was charged on the XXXX. I only book one night stay, but I was charged twice. After I checked out from the hotel, theres another XXXX dollars transaction on my chase debit card. Then I called the hotel asking about it, there was no damage to the room so I shouldnt be paying about XXXX dollar more. Then I contact the back about this unrecognized transaction, they first give a temporary credit to me, but on XX/XX/XXXX, chase bank reversed my transaction, the bank again charged my XXXX dollars which I should not be charging. I did use my debit card at XXXX XXXX and use it to reserve the room, but the hotel charge me a lot more than that. And chase also refused my fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are 4 accounts on my credit report that are not mine they do not belong to me I have not opened or know what these are on my credit report I need these off ASAP!!! 

XXXX XXXX XXXX - Acct # XXXX Amt {$5100.00} Opened XX/XX/XXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$9500.00} Opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - Acct # XXXX Amt {$3800.00} Opened XX/XX/XXXX XXXX XXXX XXXX  - Acct # XXXX Amt {$9500.00} Opened 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 2019-08-19
Company: EQUIFAX, INC.
State: MD
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:
All the three credit reporting agencies , Equifax, XXXX  and XXXX XXXX  have wrong info on my files. I was a victim of identity theft and all the negative reports on my credit are all not mine. I reported being a victim of identity theft { someone used my name address and even my picture to obtain these accounts which are listed on the files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/XXXX, my daughter asked me to co-sign for a {$7500.00} student loan for a XXXX XXXX school. My daughter passed away on XX/XX/XXXX with an outstanding balance ( due to a bankruptcy in which Navient wasn't included, supposedly due to being a Federal loan ) of {$7800.00}. I notified Navient of her passing and was told to fax her Death Certificate and loan would be discharged. I continue to monitor my credit scores and this Navient claim continues, so I continue to call. Over my calling Navient, I get Customer Service individuals pressuring me for payment as was a co-signer. I have contacted other Navient phone numbers and was asked to resubmit her Death Certificate, which I did and as recently as yesterday was told that the loan would be discharged soon. I have never received any mail, or phone calls from Navient, only my persistence in trying to get this cleared from my credit, I'm almost XXXX years old, on Social Security, and still upset on the death of my daughter, to get put through a company that gives incomplete and different answers. Most of those demanding that I must pay are impolite and curt. With all of the indecision as to the loan discharged, or not is upsetting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20
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:
There are several accounts on my credit file that I did not open. I'm not sure how these companies allowed someone to open accounts without my consent. I would like for the several companies to please provide CFPB and myself the applications used to obtain credit and along with a copy of the identification that was used. Equifax, XXXX  and XXXX has reported this information to my credit file in error. The account are as follows:  XXXX/XXXX/XXXX XXXX/XXXX/XXXX , XXXX XXXX, XXXX XXXX(2 accounts), XXXX XXXX XXXX and XXXX XXXX XXXX. Also there are many inquiries on my credit report as well please remove them as well from XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX is reporting a new collection on my credit report that I did not get any notice or warning of. I never received a 30 day right to dispute letter and I never received any notice that this was a collection until I saw it on my report. This is in violation and I would like it to be 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 2021-05-06
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX ( Original Creditor : 11 XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2021-05-21
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
United wholesale mortgage XXXX Loan # XXXX Property # XXXX XXXX XXXX  XXXX XXXX XXXX ca XXXX Just refind XXXX XXXX ever since then we have had problems with this company. 
I have called many times always getting a new person, and upon completion of our conversation all issues are resolved, then I get letter stating I'm a payment behind, after sending canceled checks that have cleared my account, so I started paying over the phone, last payment I made paid XX/XX/2021 and received a letter from them stated I was late on my payment, my bank statement shows it paid on the XX/XX/2021. 
Please I need assistance from you. 
XXXX XXXX XXXX XXXX cell

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX XXXX company no longer has a vested interest in this account as it has been charged off and sold to a collection agency. Im respectfully asking them to remove this closed account from the three credit reporting agencies.

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 2022-11-13
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:
Investigation was done more than XXXX days and yet not has changed, my credit report still has incorrect, misleading, inaccurate information that violates my rights...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TRUSTMARK CORPORATION
State: TN
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:
I submitted a complaint on XX/XX/XXXX about my XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Trustmark National Bank or XXXX  is reporting the " Date Maj. Del 1st Rptd '' as XX/XX/XXXX and the " Date Closed '' field is not reported which is not correct.

On page 2 of the TRUSTEE DEED, on XXXX XXXX TrustMark National Bank bidded {$85000.00}. The TRUSTEE XXXX XXXX XXXX, signed the trustee deed. Page 2 of the Trustee Deed says in quote " The property was struck off to TRUSTMARK NATIONAL BANK for said amount, and said bidder was declared the owner thereof. '' TRUSTMARK NATIONAL BANK XXXX XXXX  need to correct the " Date Maj Del 1st Rptd '' field to XXXX of XXXX and correct the " Date Closed '' field. 

I've have attached Page 2 of the TRUSTEE DEED. Also is attached is the " Dispute Results '' from the XX/XX/XXXX dispute. See page 4 of the Dispute Results which shows the " Date Closed '' field is blank and the " Date Maj Del 1st Rptd '' field is XX/XX/XXXX. 

The " Date of 1st Delinquency '' is XX/XX/XXXX, The " Date of Last Payment '' field is XX/XX/XXXX which are correct. The " Date Opened '' is XX/XX/XXXX which is correct. 

On my most recent dispute, Trustmark updated the following sections on my XXXX credit report : ADDITIONAL INFORMATION, BALANCE, PAST DUE, HIGH CREDIT, SCHEDULED PAYMENT and ADDITIONAL INFORMATION : The ADDITIONAL INFORMATION SECTIONS has 180 days or more past due. I can not be 180 days or more past due if TRUSTMARK purchased the foreclosed property on XX/XX/XXXX. 

Foreclosure Real Estate Mortgage 180 Days or More Past Due

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