BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-29
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card
Issue: Privacy

Complaint:
On XXXX/XXXX/2016 at XXXX XXXX at the XXXX, VA XXXX target store located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX one of the cashiers on duty that night completed a target red card in my name and signed that application without my permission while I was paying for the items in the checkout line at the register. As well as she misrepresented the application and, at first, said it was for a target discount coupon card, then after there was a line of people waiting for she came around to the credit card swiper and signed my name without my permission. After I got the target card in the mail at my home address I then told target credit card fraud department about the issue but they did n't resolve the issue at all, do n't return my phone calls and sent me a bill for the credit card I never asked for as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello my name is XXXX XXXX and I have been reaching out to all XXXX credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX XXXX to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of XXXX XXXX XXXX XXXX ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2019-12-20
Company: NPAS, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I received two letters from NPAS , Inc., claiming the existence of medical debt totaling {$35.00}. As the letter indicated that the debt had been purchased from a local primary care network, I contacted their office and was informed that they had never referred my account to a debt collector. 

I therefore sent a letter to NPAS via USPS Certified Mail ( tracking number XXXX ) requesting verification of the debt. Tracking information confirms the letter was delivered on XX/XX/2019. 

I did not receive any further communications from NPAS until XX/XX/2019, when they sent another letter claiming that I still owed the same debt that I had previously requested verification of, this time in the amount of {$17.00}. 

At no point have I been given any reason to believe, or any evidence supporting, NPAS ' claims about the debt 's validity or existence.

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 2021-12-09
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Freedom Mortgage company has engaged in fraudulent activity in relation to my existing home mortgage, sent documents that could not be completed for a mortgage refinance and repeatedly did not respond to my inquiries. I am a XXXX and XXXX of a XXXX XXXX XXXX, have a 750+ credit score and have never missed a mortgage payment before the cancelled an autopay I had on file without notice and sent notice to an address not on file. I believe that they are discriminating against me on the basis of my gender, martial status, and ethnicity. Can share timeline and share emails to corroborate their systematic harassment, errors, unresponsiveness, and discriminatory practices.

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 2016-09-06
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Both XXXX and Equifax report my name as XXXX XXXX XXXX. 
I was born XXXX XXXX. I have NEVER had a middle initial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I filled a dispute charge on my debit card about auto repair with chase bank XX/XX/2019. 
Chase gave me provisional credit. 

After 90 days chase deducted {$200.00} out of my account and said that I owe chase bank. 

The mechanic replaced my breaks but in turn messed up my rack and pinion. 

I will not pay chase bank of this unlawful {$200.00} charge. 

Chase bank needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: BB&T CORPORATION
State: AL
Product: Credit card
Issue: Rewards

Complaint:
My credit card account was closed due to inactivity. I was not notified this would be happening. I have/had {$610.00} in rewards associated with the account and now they are saying since the account was closed they are forfeited. I feel this is an unfair business practice since I had been a good customer and earned rewards for my purchases. They should have notified me that my account would be closed for inactivity. Had I known, I would have claimed my rewards and possibly used the account to keep it open. At this point, I would like to claim the rewards that I had earned which was {$610.00}.

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 2015-11-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
They have still made it impossible to process paperwork and get new buyers into my property. I want to file a suit with the company and go to court over the finding and I have realtors and title company that will testify and verify what has happened here. I have numbers us recorded phone calls and emails and letters all which have led the buyers to walk because they had to wait so long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
We got a call from the Revenue Group, XXXX, about a debt that is almost paid off and that we have been making regular payments on all along. The amount they stated that was still owed is not the right amount still due and owing. Then they asked why the last amount paid was only {$25.00}. ( It was all we could afford at that time ) We never received a notice of right to dispute this amount and debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
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:
I got my credit ran at the XXXX dealership today XX/XX/20 because I'm trying to buy a car and my credit report came back with two accounts in negative standing ; I had no idea these accounts were on my credit report because I did not open either of them nor do I have any written/verbal contract with those companies. The companies in which these accounts were opened are called XXXX XXXX & XXXX XXXX. I am not affiliated to these companies in any way and I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I have filed a police report regarding these unauthorized accounts.

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 2020-01-05
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NCB is the company. 
This was discharged in Bankruptcy as listed on my credit reports of XXXX and XXXX. 

On my XXXX XXXX, it does state Discharged in Bankruptcy which is correct. 
What is NOT correct is that this account is listed by XXXX XXXX under collections. My lawyer has advised that once an account is listed, it must have a XXXX balance, and closed along with no negative information other than the remarks of Discharged in  Bankruptcy. 

I have contacted XXXX XXXX and they advise me to contact XXXX, XXXX and NCB. 
I have contacted all three of them and they have confirmed that per their files, NCB, XXXX and a XXXX that this accounts is not listed as collections, but Discharged in Bankruptcy. 

The issue I have is that XXXX XXXX states the information is correct as listed. 

I dont understand why no one from XXXX XXXX can correct this. The 3 companies confirmed it was discharged and closed. 
XXXX XXXX will not remove this account from collections to closed. 
This is fraudulent information on my XXXX XXXX account from an agency that sends out my credit information and score. 

Please help me I have been going back and forth with them, no one will help me, they keep saying investigation confirm, this account is in Bankruptcy. 
Which I have advised for the past 8 months, that is true. 
I want them to move my file to closed. 
What can I do, this is nit right. Can you help me on this please and advise, what I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call today XX/XX/XXXX at XXXX AM MTN time from phone number XXXX and the representative identified himself as calling from Commonwealth Financial Systems. I monitor my credit via XXXX XXXX ever week and only have medical debt in collections with companies name that I know, from over 3 years ago and am never contacted by them. All the research I can find on the company are complaints and law suits and accusations of Commonwealth Financial Systems reopening already closed collection accounts to attempt to collect after the reporting period. I am working very hard to pay off my debts and correct my credit but I know I have nothing in their office for collections and I asked them not to contact me again and issued a verbal cease and desist on their " recorded '' line. They then called me again not more than XXXX minutes later after I advised them to never call my phone again and verbally expressed my cease and desist. I have had only XXXX accounts in collections [ ALL MEDICAL ] for the past 2 years and the complaints launched against them put credit scores back months. I am preemptively launching a formal complaint against this company for contacting me after I advised them of cease and desist and I know I have no debt in their office so anything they may try to tack on to my credit reports are false and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
On XXXX XXXX, 2016 at XXXX a.m. I contacted The XXXX XXXX XXXX XXXX that is listed on my credit report about a civil judgement and I spoke with XXXX in the records department and he informed me that XXXX XXXX XXXX XXXX does not report to the XXXX credit reporting agencies and there was no way that they could have verified anything with them. On XXXX XXXX, 2016 I sent Equifax a letter stating that this account is not reporting accurately and for them to delete this account. On XXXX XXXX, 2016 I was able to look up the results of my dispute online and find out that the Judgments have been verified by the XXXX XXXX XXXX XXXX and was provided with their contact information and to contact them for any questions. The results of their investigation is completely untrue and a lie due to me contacting XXXX XXXX XXXX center myself and was told that they do not verify nor report anything to the XXXX credit reporting agencies. I then contacted Equifax on XXXX XXXX, 2016 at XXXX XXXX at XXXX XXXX XXXX XXXX and spoke with XXXX and asked about the results of my dispute and how was these XXXX judgments were verified when this company does not report to you all, he said that the company did in fact verify this information. I then requested to speak with a Supervisor and her name was XXXX supervisor of XXXX XXXX and she came on the phone and said something different then what XXXX provided me. She said that they send someone out to the courthouses to verify public records. I then informed her that on my credit report I was not provided with that information. I then asked her to provide me with the name of the individual that went to the court house to verify these XXXX judgments and she was not able to provide me with the information. This company are reporting inaccurate information to my credit report and also reporting fraudulent information to me about how they verified the XXXX judgments. 
I have upload the results of the investigation and the information that they provided me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Auto Trakk, LLC
State: NC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I leased a vehicle from Autotrakk in 2013. It was to be a one year lease. I never received a copy of the lease. I was told by the auto dealer that Autotrakk would send it to me. The lease is up and I made arrangements with XXXX, XXXX, XXXX and others in collections to bring the car back to the dealer. However Autotrakk sent someone to repossess the vehicle. The repo company they sent left several threatening notes on my door and breached the peace by opening my door. I notified Autotrakk and they said they would call the company they use. I finally left the vehicle at the dealershi as agreed. Autotrakk sent me a letter saying they were going to auction the car on XXXX XXXX. The whole process with Autotrakk was mostly illegal. They installed a tracking g system without my knowledge and charged me for it. What I would like to see done is for Auttotrakk to not call this a repossession on my credit report because this is what the promised. The police was called because of them breaching the peace and they came to the house. I should be able to get the vehicle back because of this breach. There are to many people at Autotrakk passing the ball. I 'm not asking for the vehicle back I am just asking for them to honour their promise to accept the car back and not list it as a repossession. The agreement was for me to pay {$28000.00} and be settled with them.If the credit department can not do this the only other thing I can do is to sue for damages for the violations. Breaching the peace. Physical and emotional. I have the threatening letters and voicemails Autotrakk left. I did not receive any certified letter regarding how to get my belongings Although XXXX XXXX said she mailed it XXXX XXXX.the person they sent out to get the car name is XXXX. 
Resolution : Autotrakk needs to pay for the violations. They can do this by working with me so I can pay the XXXX and not have it reported as a repossession.because what they did was unlawful. That is what collections promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This complaint is regarding claim ( # XXXX ) I 'd like to dispute all inquiries made by XXXX of XXXX, TN. These inquiries were done without my authorization. It was only requested of me to apply for pre-approval with their, XXXX XXXX XXXX. I complied, was pre-approved for XXXX times the amount needed ( DocXXXX ), so there was no further need to continue inquiries. Plus, upon pre-approval, I was contacted by a salesperson from the dealership and provided with his contact info and in that email he said he 'd further discuss details of the loan. ( DocXXXX ) Since he did n't bother to contact me and display a lack of interest in selling me the vehicle, I sent him an email ( DocXXXX ) clearly stating I was withdrawing my interest.Though making clear in the email, that I should n't receive a denial letter from XXXX XXXX, since I was already pre-approved, though I did n't receive a denial letter from XXXX XXXX, I received a total of XXXX denial letters ( Docs XXXX ) from other lenders. Lenders, that I did n't authorize ( never filled out a credit app ) only a pre-approval to XXXX lender of which I was pre-approved.I purchased a vehicle on XXXX XXXX and was financed through XXXX ( DocXXXX ), yet I continued getting denial letters up until the XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, 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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS : XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX  OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS : XXXX OPENED : XX/XX/XXXX XXXX. 3500.00 XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/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 non-monetary relief
Consumer complaint received 2020-06-16
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On XXXX I called & applied to refinance my home. Simply wanted to get cash out from 60 % equity I had. 
Dealing with PNC has been a nightmare! 
Ended up with a Home Equity Installment Loan at 4.24 % interest. First letter states 4.04. Todays interest rates are around 3 % The mortgage I refinanced is in XXXX XXXX XXXX XXXX name at PNC. Both of us have excellent credit. 
Must have made 15-20 voicemails & phone calls to them & most of the time no response. 
I believe PNC does these home equity loans to make more money. 
Ive had 10-12 mortgage in my life. Five rentals non-owner occupied. Never misleading like PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently applied for credit and during a review of my credit report an entry for Alpine Credit was identified as active and unpaid. This is patently false and I have documentation to prove my claim in the form of the payment receipt and confirmation from Alpine that the debt was paid in full back in XXXX of 2012 along with a guarantee from XXXX XXXX XXXX XXXX that the debt would be removed from all of my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Experian Information Solutions Inc.
State: OH
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 filing a complaint due to some unknown account appearing on my credit report I sent out a FTC complaint and CFPB complaint as well .Be advised I am disputing validation and proof of claim of the disputed debt is requested in accordance with the FCRA & FDCPA 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC . 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX 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 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have been contacted first saying and paying for one year {$1.00} so my loan would n't go into default. I 've called them on several occasions explaining to them that I am a single mother of XXXX but XXXX live with me the other is serving in the XXXX they say they will send me papers to help me with my student loan yet I never received anything. I receive medical food stamps and am on section 8 I have explained to them I am in financial hardship yet still I have n't received any paperwork from them all they do is keep charging interest it 's ridiculous.

Company response to consumer: Closed with explanation