BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-18
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
INFORMATION ON MY CREDIT REPORT THATS NOT MINE.

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 2020-09-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2016-09-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
TD bank branch representatives incorrectly characterized my IRA accounts as being funded with " rollovers '' instead of " direct rollover/direct transfer ''. In effect a XXXX was sent as a distribution and I suffered adverse tax consequences. In addition, XXXX XXXX (? ) the representative in the XXXX XXXX branch of XXXX, NJ did my paperwork incorrectly. I observed that she wrote my social security number on paperwork and left it in an unlocked desk drawer. XXXX XXXX took XXXX-120 minutes to complete the deposits, which she then called hours later to indicate were incomplete. Her message states that she needed additional signatures from me. I was not given a receipt, and she did not assist in correcting the character of the IRA funding source. My funding checks were left at the branch and I have no receipts or funds deposited although there is a 60 day limit to complete these transactions. When I called the branch this morning in response to her message requesting signatures, I spoke w/ her colleague XXXX who said she would look into the matter and return my call. Over two hours later, XXXX called me back and was verbally aggressive right off the bat demanding I come in to sign forms. She said she could not securely email forms to me, then she got angry when I asked to speak w/ the manager. She lied and said there was no manager on duty. When I asked for his name she told me XXXX XXXX then she was belligerent and asked me, " Yo, what 's your problem? '' I was astonished at this reaction, since I had not raised my voice or spoken tersely with XXXX. I asked her to put a manager on the phone and she hung up on me. XXXX failed to correctly explain the differences in rollover types, I believe she completed my applications incorrectly. In addition, my personal information was unsecure and I believe mishandled as she had various printouts and multiple branch employees assist with retrieving them from the printer. Finally, I was mishandled from a customer service aspect and I do n't want to do business with TD bank in effect. I am extremely concerned about the damages I suffered from my accounts being misapplied and am considering seeking recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
TDBank was involve in a lawsuit due to fraud overdrawn charges to a massive of clients in their bank accounts. If I am not mistaken this lawsuit took place between the years XX/XX/XXXX-XX/XX/XXXX. My account was part of this lawsuit. Due to a loss TD Bank sent refund checks to their clients. Unfortunately, I misplaced my check and found it a week after deadline to cash it. After this issue I find out this amount was in a consumer report collection and I was unable to open an account at a Federal Credit Union. I disputed this situation with TD bank, main office, and with XXXX XXXX, XXXX XXXX , XXXX. I presented copy of the check and other documents I was able to find along with my statement but it was failure. I was unable to clear this collection. 

After 2 or 3 years I received in XXXX 2015 a settlement letter from XXXX XXXX , XXXX. I feel exhausted disputing for this amount, TDbank have a horrible customer service when it comes to dispute these type of situations or they can not accept the truth. 

My huge interest is to clear all my collection accounts, which for different reasons whether was a default of my end or inevitable situation to handle. I am in a status to work my credit to a great credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-28
Company: Alorica Inc.
State: VA
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 took out a loan with XXXX XXXX XXXX. The company closed and I was informed that SST ( System Services Technologies , Inc ) would be taking over the account. I have this account set up on auto  draft that XXXX said to keep in place and that all things would be transferred and set up. I kept all things as agreed by XXXX. In XX/XX/2019 SST continuously tried to take money out of my personal checking without my authorization. Tried calling to get a answer and they did not know but said they did receive my allotment. They then started charging my account XXXX late fee which I never signed for a loan with them and in my old contract there is not a late fee of XXXX. This fee then made my account looking like it was pass due and they are reporting me and being 30 days late. I have made extra payments and my allotment is set up for XXXX which my payment by contract with XXXX is XXXX. I have called this company every month requesting a statement of the applied payments and that to remove late fees since its not in my contract. They tell me to look online and I have told them I want a physical statement sent my house. Last time I spoke on XX/XX/XXXX they were sending one out and I have yet to receive it like every month they tell me they are sending. This company is breaking many lending laws and practice is very shady. I want this removed of my report and my account to be corrected of late fees and a statement sent to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Latest update on XXXX XXXX. Filed for judgment and won. I do not owe XXXX any money and in fact they owe me money. They owe me {$460.00} as per case no. XXXX. attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I spoke with a supervisor/manager in charge by the name of XXXX at TD Bank today, XX/XX/XXXX, in regard to a debit card dispute previously filed in the amount of XXXX from XXXX of XXXX. I was told the dispute was closed out, TD Bank required additional information such as storage contract and receipt showing amount paid. This dispute is over fees charged for storage of my vehicle at dealership.. As I explained to XXXX, there is no storage contact as one was never signed or provided and I was not given a copy of receipt despite requests via email for one. I further explained that receipt, if one is provided, will show XXXX as paid and charged to my card. The reason for dispute is the fee ( s ) charged are questionable because they charged me XXXX per day for 45 days for storage of vehicle when I did not agree to the term or amount per day. Also, an item was also stolen out of my vehicle while in their storage, which I was not reimbursed for. I do not believe I should pay full amount, XXXX, when I did not sign any contract and had an item stolen from my car while it was in their possession. The item, a USB phone charger, was left in car until I could pick it up..It was not in car when I took delivery.. It has not been found, deemed stolen. I had to repurchase it, costing me XXXX I had to pay this amount,XXXX, in order to pick up vehicle from their lot, they were going to charge additional fees if not picked up. They were holding my vehicle pending registration, it could not be registered due to past due property taxes which had to be paid, this prevented registration. The Connecticut DMV, Attorney General 's Office, BBB ( Better Business Bureau ) are looking into this charge as complaints have been filed with them against merchant. I have not heard back from any of the agencies named as of yet. XXXX agreed to refile dispute with information provided, he was informed there is no storage contract and no receipt was provided. Please advise TD Bank this is all the information I have pertaining to this dispute, please try to recover funds from merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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: Account status incorrect

Complaint:
Hello, Please help me. After years of waiting on XXXX to remove an incorrect 30 day late I am growing frustrated and XXXX 'S lack of knowledge and care about correcting a wrong delinquent charge is stressing me out and it is their responsibility to adjust this and yet I have been waiting years with no results promised to me. 

Covid has hit and I have been unable to reach proper departments and I have sent letters and spoken to agents in the past who have assured me that an error on the part of the merchant would be corrected after I provided proof of that letter to XXXX. The 30-Day late REMAINS on my credit report, which also affects my nephew who is a JOINT holder on this account. 

XXXX is being extremely lazy and irresponsible, they are ignoring my multiple requests for correction and ruining 2 separate humans beings ' credit reports. I have perfect credit and always have, this is absolutely torturing me and no one at this company does what they say. 

I will sue very soon because they had 30 days to correct this, I was told by multiple agents the change would be done within the end of the month years ago and it is still there! 

Please, pull my phone calls, check the email communications between myself, my nephew and XXXX and retrieve the letter from XXXX XXXX XXXX which takes full responsibility for incorrectly charging another clients services on my credit card on file and my account because those clients had the same last name as me. I was not there, I was not aware and this is absolutely unfair on my credit report. I have spoken to multiple people and so has my nephew and nothing has changed! Because I never charged anything or authorized any charges this payment went unseen until my credit report tanked and so did my nephews, yet it was not our fault. 

FORCE XXXX TO DO THEIR JOB, PLEASE!

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 2020-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card with capital one. I was charged an annual fee for the card of {$39.00}. This card was enrolled in autopay. The charge for the annual fee was not automatically deducted. At no point was this card taken out of the autopay program by myself. As Ive not used this card in years, the charge wasnt noticed by me until XXXX on my credit report. It showed a delinquent payment. I tried contacting Capital one asking them to provide proof of my stop in autopay, as well as where I was informed and signed off on their annual fee. Ive been hung up on by live agents and signed off my account when I tried to use their online chat portal to address these issues. Im more than happy to pay but I want the delinquencies taken off of my credit report as I never consented to taking myself off autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent a dispute letter to the bureaus ( XXXX, XXXX, and Trans Union ) this past XXXX 2015 requesting that they remove a XXXX debt of {$4000.00} that does not belong to me. They never removed the debt, but stated that it would remain in my credit reports. I investigated this debt and Representative XXXX ID # : XXXX/Branch # : XXXX at XXXX confirmed on XXXX XXXX, 2015 that they have no record of this debt in their system with my name, social security, nor address. Please, investigate and find out why the bureaus are not investigating debts properly and doing the job that they are responsible for ; which is resolving disputes as accurately as they can. Your attention to this matter would be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Empowerment Ventures, LLC
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX, I have been using the XXXX XXXX Rush Card ( debt card ) for the last 18 months, I am XXXX of the XXXX that has not received my paycheck, I have had my bills cut off, and not they are talking about my car being late on payment with that, also my car insurance has lasped. I do n't know what else to do, my HR dept, ca n't give me my money because they ca n't get the money back into their account so they can send me a check back. I live from paycheck to paycheck, and there is no savings on my end, so what I get every two weeks, is all I have. Please help me, and the XXXX other people that are in the same predictament.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-28
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX BANK Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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, AC # XXXX, XXXX, Amount {$2900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.

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 2020-09-28
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 a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, XXXX U.S.C. 1681c-, And police report. 
after number of request by me. Experian, Equifax and Transunion that had not block or remove any account report been open by identity theft. and had not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair  Credit Reporting Act. The Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information maintained by credit bureaus

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 2022-08-29
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Please REMOVE these items as soon as possible. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-09-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/2016 a check was sent to Macy 's to payoff my account. The check was cashed XXXX/XXXX/2016 but never applied. XX/XX/XXXX I telephoned customer service and was instructed to send a copy of the front and back of the check, which was done. On XXXX/XXXX/2016 the money had still not been credited so I sent and email. I was informed the payment had been located and would reflect within 5 days. After 7 days the payment still had not reflected ( in the meantime, I have continued to make additional payments to avoid late charges. ) I was sent an email XXXX/XXXX/2016 that I would have to wait until the next billing cycle which is another month. I have continued to be charged interest and monthly payments throughout this process and am also due a balance since there is now an overpayment of about {$120.00} once they apply the payment.

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 monetary relief
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-02-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation