BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In connection to complaint # XXXX, on XXXX I XXXX XXXX XXXX the natural person and consumer rebutted TARGET CARD SERVICES attempt to validate an alleged debt via certified mail. Im giving TARGET CARD SERVICES another chance to lawfully allow me to validate the alleged debt by giving them 7 days upon receipt to respond with specific requested information pursuant to 15 USC 1692g ( see attachment ). TARGET CARD SERVICES received my rebuttal on XXXX. Ive been trying to receive proper debt validation from TARGET CARD SERVICES since XXXX when my initial correspondence was received via certified mail. Its now XXXX ( XXXX days later ) With not 1 piece of evidence of validation being conveyed to me. TARGET CARD SERVICES is currently using stalling tactics by not sending required debt validation information pursuant to 15 USC 1692g ( a ). TARGET CARD SERVICES responded to my initial debt validation request with 1 meaningless billing statement from XXXX showing a charged off account ( see attachment ). That doesnt validate a debt pursuant to 15 USC 1692g. As stated in my feedback response in complaint # XXXX, TARGET CARD SERVICES is in violation of 15 USC 1692 ( a ) for failing to send a debt notice to determine the initial communication in relations to the alleged debt. TARGET CARD SERVICES is in violation of 15 USC 1692g ( a ) ( 3 ) for failing to disclose my right to dispute the alleged debt. TARGET CARD SERVICES is in violation of 15 USC 1692g ( a ) ( 4 ), and 15 USC 1692g ( a ) ( 5 ) for failing to disclose the necessary statements in relations to the alleged debt being disputed. Pursuant to 15 USC 1692g ( c ) my failure to dispute the alleged debt should not stand for an admission of liability. Only I the consumer can validate a debt. With TARGET CARD SERVICES failing to give me the opportunity to dispute & validate the alleged debt, Its unlawful to be reporting information to third parties that isnt validated nor with consent of the consumer. Theyre knowingly furnishing fictitious information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: GOLDMAN SACHS BANK USA
State: TX
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 have called APPLE CARD XXXX GS BANK USA credit card a couple times asking them to check on a credit card that was opened fraudulently. I gave them my personal information and they told me my info doesn't match with what they have. It proved that my identity was stolen and use to open this credit. I also called XXXX XXXX  and told them my situation. I have filed 2 complaints with XXXX and both times I was told this credit card was mine. XXXX told me they have sent my info over to Apple Card -GS bank and that it matches my personal information, but when I called Apple GS they tell me a different story. I want to clear this because I know I did not open this Apple Card and it has really impacted my credit score. I also took extra steps by freezing my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: BANK OF THE WEST
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:
XXXX XXXX XXXX IN XXXX CA XXXX DID THEFT ON MY BANK OF THE WEST IN XXXX CA XXXX IN XX/XX/XXXX AND RUINED MY ACCOUNT BY DOING IDENTITY THEFT, DOUBLE CHARGING ME AND POSTING MY PAYMENTS 30 DAYS PAST DUE. XXXX CALIFORNIA IS GANG INFESTED AND I AM A GANG SUPPRESSION PERSON. THE GANGS THAT WORK IN THE BANK AND XXXX XXXX XXXX TRIED TO RUIN ME. THEY REPORTED LATE PAYMENTS AND CHARGED OFF MY XXXX XXXX XXXX XXXX. THEY PLACED A {$3200.00} LOAN AS A CHARGE OFF ON MY XXXX REPORT IN XXXX AND NOW IT SHOWS A XXXX BALANCE AND SENT ME TO A COLLECTION AGENCY. THEY ADDED A BANK OF THE WEST LATE CHARGE AFTER THEY THEY HAD REMOVED IT .THEY MANIPULATE MY CREDIT REPORTS AT WILL. THE GANGS HERE WORK IN THE BUREAUS AND GIVE THEIR MEMBERS GOOD CREIDIT AT WILL .I HAVE BEEN FIGHTING IDENTIYT THEFT USING A TASK FORCE.

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 2017-08-10
Company: Experian Information Solutions Inc.
State: OH
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:
this issue concerns all three reporting credit bureaus I firm believer that the credit bureaus share information not only about your credit history and behavior but also about your race. beginning back in XX/XX/XXXX I began to rebuild and repair my credit I have worked very hard at this and I have been able to break XXXX on my credit score. as soon as I get as high as XXXX or XXXX one of the three credit bureaus will place something on my credit report that drives my score back to the XXXX to XXXX range and 9 times out of 10 it is in accurate or being reported incorrectly example one of the three will take inserts from my bankruptcy filed in XX/XX/XXXX put on credit report Experian just happen put XXXX XXXX on as charge off late 90 days + they did correct it after I contacted them. but this hurt my score but this the type of issues that I have to keep dealing with. I feel that this is very unfair treatment and design to keep your credit score from breaking that XXXX score as a small XXXX XXXX this practice greatly inhibits my ability to grow I can not obtain line of credit that I need to move forward. and I have lost out on opportunity 's that come my way I pray to god that can be fixed and this behavior by three reporting agency addressed and fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Transaction using XXXX through my Bank of America online banking center. A XXXX transaction was initiated to purchase something from me. Moments after I received an email from XXXX saying the funds were transferred to me, then another email saying the buyer erroneously sent the money twice and I needed to refund the buyer. The email appear legitmate from XXXX and also from XXXX XXXX for which the buyer said the money would be coming from, I refunded the money, out my money went, but no money ever came in. I filed a claim with Bank of America ( which i used XXXX through ) and it was denied, i reopened the claim to try again. I filed a police report. I attempted to contact the buyer, but all communication was discontinued. I have filed all of the emails from XXXX XXXX ( scam ) and XXXX ( scam ) for reference. The total was {$1800.00}.

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 2020-01-03
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE INQUIRIES AND I ALSO HAVE NO IDEA HOW THEY GOT ON MY CREDIT. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 applied for a credit card and got denied. I was not told the reasn why i got denied, I went home and decided to get a copy of my credit report in XXXX XXXX and I saw various items that had been open. these items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report.

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 2017-03-29
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loan was originally a Federal Student Loan, has been consolidated under Navient. I have asked Navient that, if I pay extra that what is due, can it be applied directly to principle. The response I have been given is no. If I pay extra, they will recalculate my payment and it will become the new amount due. I do not want this to happen, because, while I can pay extra now, if I needed to take a month off from that and just pay the original amount, I would be penalized. I again asked if I could send in an extra payment during the month with the instruction for it to be applied directly to principle, and Navient responded that this is not possible, and they would pay interest ( aka themselves ) first, therefore reducing the amount of principle that is reduced. I did some research and it appears that I should be able to make this request to Navient, as other loan companies will accept this type of direction from the borrower. Navient refuses to consider this without changing my payment amount permanently. Unfortunately I am stuck with Navient and have had multiple complaints about their service and the way they process payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have asked XXXX XXXXXXXX XXXX to send me proof that these credit cards was opened by me because it is fraud and they have yet to do so. It has been 1 year of disputing them and they refuse to send me any verification documents, file or procedures used to verify account. This is a violation of my consumer rights and I demand that they delete these accounts today! 

These accounts are causing me to lose out on employment and extension of other credit opportunities. I never gave them permission to use my personal information, they are violating my privacy by sharing inaccurate information with other parties which is identity theft and they refuse to rectify the situation. 

Delete these accounts now : XXXX. XXXX XXXX. XXXX I have included my id so please do not use stall tactics and say that you can not verify me.

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 2020-08-05
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Carter Young is fraudulently verifying account XXXX on my XXXX   report. 

Carter Young Inc is still attempting to collect on a debt that was already PAID to the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I paid the original creditor on XX/XX/2020, however Carter Young is still Fraudulently verifying this debt on my XXXX credit report.

This is fraudulent reporting because Public Law 104-191 ( " HIPAA '' )  since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. 

I demand XXXX and Carter Young DELETE ALL. references to this account IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Experian Information Solutions 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THESE INQUIRIES AND I ALSO HAVE NO IDEA HOW THEY GOT ON MY CREDIT. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2017-09-09
Company: EQUIFAX, INC.
State: OR
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:
Equifax data breach Alerted on XXXX.XXXX.17 Confirmed my details were leaked by checking the Equifax Security 2017 website ( website said " Based on the information provided, we believe the your personal information may have been impacted '' )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: Midwest Recovery Systems
State: TX
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:
On  XXXX / XXXX / XXXX  Midwest Recovery Systems recorded a collection with all   XXXX   CRA 's related to what looks to be a payday loan in  XXXX . I contacted the agency and requested proof of the debt and was informed that they did not have any proof. I requested that it be removed and disputed with CRA 's for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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:
I have asked XXXX XXXXXXXX XXXX to send me proof that these credit cards was opened by me because it is fraud and they have yet to do so. It has been 1 year of disputing them and they refuse to send me any verification documents, file or procedures used to verify account. This is a violation of my consumer rights and I demand that they delete these accounts today! 

These accounts are causing me to lose out on employment and extension of other credit opportunities. I never gave them permission to use my personal information, they are violating my privacy by sharing inaccurate information with other parties which is identity theft and they refuse to rectify the situation. 

Delete these accounts now : XXXX. XXXX XXXX. XXXX I have included my id so please do not use stall tactics and say that you can not verify me.

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 2022-08-17
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:
I have asked XXXX XXXX XXXX to send me proof that these credit cards was opened by me because it is fraud and they have yet to do so. It has been 1 year of disputing them and they refuse to send me any verification documents, file or procedures used to verify account. This is a violation of my consumer rights and I demand that they delete these accounts today! 

These accounts are causing me to lose out on employment and extension of other credit opportunities. I never gave them permission to use my personal information, they are violating my privacy by sharing inaccurate information with other parties which is identity theft and they refuse to rectify the situation. 

Delete these accounts now : XXXX. XXXX XXXX. XXXX I have included my id so please do not use stall tactics and say that you can not verify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: EQUIFAX, 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:
I am a victim of identity theft. I received a phone call from a bank about a loan that I had not applied for. That prompted me to pull my credit report to check for possible identity theft. I noticed that someone had been, and is still currently using my personal information to apply for credit cards and to open checking accounts. I CAN'T BELIEVE THIS!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: GA
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:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX. 
Company Inquiries 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 2020-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was charged twice on my credit card as well as my mother for a rental car. My payment with my card was denied which position my mother to complete payment with her card. Later I receive a notice on my credit card for the same price my mother card was charged. Which implicated the payment was processed twice. For years Ive been trying to get issue resolved no one has been a help. Im not able to apply for student loans or personal loans which Im in need due to covid 19

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: UNITED BANKSHARES, INC.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Per our conversation, I am filing a formal complaint, regarding my wire that was not sent out. 

I went into the XXXX XXXX, XXXX, VA branch on XX/XX/XXXX. I signed a form for a wire transfer to go out in the amount of {$6200.00} from United Bank XXXX XXXXXXXX XXXX. I was informed by XXXX XXXX, branch manager, that it would go out that day. The transfer was to an estate account to pay Federal and State taxes. 

On XX/XX/XXXX, I was balancing my account, when I noticed the wire was never deducted from my account. I checked the other account and the wire was never received and the two government payments I sent were returned. 

I called XXXX and she said she would check on it. She called back and stated it was her fault, her system froze while processing and she put it in her pending and never went back to send it. I told her I wanted my return check fees paid as well as any penalties due to the checks being returned and not paid. 

She stated she would have to get permission from her Regional Manager and would get back to me and in the meantime, do I want her to sent the wire out. I said yes. 

The following morning, she called me again to ask me if I wanted the wire to go out. I stated I told her yesterday that I did. She said yes she knows but the wire was to old to sent out. At that point, I again stated to send the wire out and that I want her Regional Manager to call me directly.

The Regional Manager, XXXX XXXX, called me at XXXX pm. I missed the call, returned it at XXXX pm and left a message. I called back at XXXX pm. She returned my call at XXXX pm. 

XXXX XXXX, first question was, I understand there was a problem with your wire? I asked her if she had spoken with XXXX XXXX yet? 
She stated she had, but to provide her with the details. So I told her all of the above. She asked me if I had received the penalties as of yet. 
I stated not yet, but they are taxes for government agencies, so they are coming. I asked for a letter from the bank, stating they were the ones that did not send the wire and that is reason there were no funds in my account. She said when I receive notices from the agencies to let her know and she will send it to legal to see if I can obtain a letter. She did refund the overdraft fees from the other bank. 

I want the penalties reimbursed when I receive the amounts. I also want a letter from the Bank, stating : 1. I submitted the correct form for a wire on XX/XX/XXXX in the amount of {$6200.00} 2. The Wire was never sent out due to bank error, not due to any error by me I understand waiting for the penalty amounts to come in to be reimbursed, which I should be. However, I should not have to wait for a letter from the bank stating their error.

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