BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-17
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 is missing that should be on the report

Complaint:
Dear to whom might be concern, My name is " XXXX XXXX ". I have been trying to report inaccurate items on my credit report over past year but it never worked. I notice that there are several addresses and employment information on my credit report that not belong to me or any my business. So i demand to get these addresses and employment information remove as i list them below : **Address** XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXEmployment information** _XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, NJ XXXX I didn't intend to put any of these addresses in my credit report. They are all incorrect and someone might intensionally settle inaccurate items to intervene me obtain my credit. As you may also aware of VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) " There are several items on my report that are not legally allowed on my report '' **Hard Inquiries** XXXX XXXX Inquiry : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION & As you may ware of Metro 2 Compliance Violation ( Not Including Creditor Contact Information ). This account is currently in dispute but the data furnisher has not updated the remarks on the account which is a violation of the F.C.R.A _XXXX XXXX Inquiry : XXXX XXXX, XXXX unauthorized inquiry and date furnisher has violated Metro2 reporting compliance by not reporting their contact information. Delete immediately!! 
XXXX XXXX Inquiry : XXXXXXXX XXXX, XXXX This account is not mine, delete it immediately or provide me full documentation as i never receipt any writing mail disclosure or warning. Section FCRA [ 15 U.S.C. 1681d ] ( a ) " Disclosure of investigative consumer reports '' I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. Provide me proof that the credit bureaus has followed these FCRA laws. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not belong to me. Delete it!!!

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 2022-10-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Please help me! Paypal is robbing me for {$2800.00}!!! 
I have created a paypal fundraiser to receive donations in order to finance my studies! 
at first I could withdraw small amounts and then all the sudden Paypal froze my account for 180 days! this period has passed and still I can not access my funds! 
Please help me I need my funds urgently!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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:
My information was used by someone who stole my identity to get credit accounts on my name, and not pay and they debts ended up in my account in collection unpaid and I'm left on the hook. my name ruined i can barely qualify for credit or better interest rate. 
this report is me trying to fix all the harm done to me my my life my good name.

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 2019-12-23
Company: EQUIFAX, INC.
State: NJ
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:
Despite two written requests and a fraud alert placed on my reports with Equifax and XXXX, fraudulent unverified items still remain on my credit report in violation of Federal Law. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they have verified that these items are being reported correctly. I've contacted the creditor and the 2 credit bureaus with no success with getting. XXXX, XXXX and XXXX XXXX are still being reported but have yet to provide me with PROPER documents validating my ownership of these account.They have NOT provided me a copy of any original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Iam just receiving validation of an existing debt. It does not prove ownership! These account are not mine but continue to be reported on my credit reports. I was told by a fraud rep at Equifax that she could not provide me with any information received by the creditor used to validate or verify this account. It is hurting my credit and a consumer i know my rights and i feel they are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Other problem getting your report or credit score

Complaint:
I am a victim of Identity Theft from XXXX documented from IRS, police reports etc. At the time when the ID theft occurred I had my XXXX account taken over which resulted in the subsequent unauthorized access to my bank accounts and other accounts. In XXXX I was paying TransUnion for there premium subscription to monitor my credit which also included Identity Theft Insurance. As I lost access to my XXXX and still have not been able to access again ( 3 years later ) I was not able to access my TransUnion account or receive any assistance from TransUnion. Essentially my subscription was for nothing. Moving forward I ended up with fraud in several existing accounts and fraudulent accounts being opened with my information. I reported the incidents to police, FTC, etc. I have contacted all the credit bureaus and have been working on restoring my credit which has been an uphill battle. TransUnion now refuses to give me online access to my credit for the REST OF MY LIFE. They refuse to give me anything stating the reasoning for this. I explained this is not helpful, this is hurtful and I need online access to my consumer credit account so I can monitor and continue to clean up the Identity Theft remnants. I placed a fraud alert originally with them XX/XX/2019 File number XXXX. The document I have from them after I filed this initial report states I should sign up for True Identity for XXXX XXXX XXXX yet they are denying me access to the free product. I have no issues with the other credit bureaus and have online access and XXXX XXXX across the board. Today I spoke with XXXX a supervisor at TransUnion Online Services who gave me the REFERENCE # XXXX and told me I have no ability to view or monitor my credit online at all. This is unjust and the opposite of what is stated in the Fair Credit Reporting Act rights of Identity Theft Victims Summary of Rights- that was mailed to me directly from TransUnion and I am writing this because I need access to my credit report online to monitor and have the ability to freeze/unfreeze my credit.

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 2021-04-21
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$950.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full and should be reporting a {$0.00} balance. This account needs to be updated to report accurate information. This false reporting of a collection is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

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 2015-07-20
Company: Trident Asset Management, L.L.C.
State: DE
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:
In XXXX of 2012 I contacted XXXX to purchase internet service for my apartment. Since I was never able to actually connect the services, I contacted XXXX and cancelled my service. The account representative informed me that there would be no balance due. To date, I have received numerous collection notices for this XXXX account. I have disputed the validity of the debt with each collection agency and have never gotten a response from any. I still continue to receive negative marks on my credit as a result of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Opening an account with XXXX XXXX XXXX. Trying to link that new account with my PNC Checking Account and the program says that PNC has made a change and I am having difficulty linking the two accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Albert Corporation
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I had {$120.00} taken from my account. On XX/XX/XXXX {$20.00} was taken at a XXXX XXXX XXXX {$100.00} at XXXX XXXX XXXX On XX/XX/XXXX XXXX {$50.00} transactions at XXXX XXXX XXXX and XXXX {$71.00} at XXXX XXXX. I did not authorize any of these payments and as far as I can tell they all occurred in New Mexico or Texas. I have never been to either state and was working or in the process of moving during the times in question. I reported the fraud, froze my card, and reached out to the bank that was responsible for the security of my funds to see about next steps. On XX/XX/XXXX, another {$100.00} was attempted at XXXX XXXX XXXX but because my card was frozen it was unsuccessful. The bank ruled that none of these transactions were fraud. They stated there were no declined transactions on the card after it was deactivated, which is inconsistent with a fraud pattern. This was the day after the {$100.00} transaction was declined. I filed for a review and the decided once again that it wasnt fraud. I sent multiple texts and emails asking to speak to someone in the fraud department or a manager and was ignored. I did not spend this money. As I stated i live in XXXX and have never even been to the states where the transactions occurred. Ive had {$390.00} stolen from me and did not get the assistance I needed from the bank. If you are able to offer any help Id appreciate it. Thank you for your time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card
Issue: Late fee

Complaint:
to rooms to go credit card i will like to inform you that I do not agree with all the fees your company is charging me. All started when I got my furniture from rooms to go the agent who help me get these stuff gave me a paperwork where i have to make my payment on the paperwork it was clear my payment must be made through SYN-CHRONIC BANK. Imade few payment through them until my bank notified me they are reseeding all my payment I made ( please see attached ). Since that day it is been a nightmare to make a payment on XX/XX/2016 I called on XX/XX/XXXX to make a payment through the electronic system. Guess what i could not make a payment because someone type my zip code wrong XXXX instead of XXXX that was my nightmare until XX/XX/2016 where i keep calling to make a change on my address so i can make my payment Like they told me my payment is XXXX I will keep making this payment until the furniture is paid off i m not going to pay the late fees you guys are charging me for your own fault

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17
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: Account status incorrect

Complaint:
For more than two years, I have submitted documentation several times to XXXX with information that substantially proves XXXX XXXX XXXXXXXX, in fact, did not close my loan, it was not included in my chapter XXXX and that I am still paying on this loan that began in XXXX of 2016. 

I was involved in Chapter XXXX, I am not a lawyer, my lawyer advised me that a reaffirmation was not needed, even though she used one for my home water softener and filtration system. ( see enclosed ) Since Chapter XXXX, XXXX  XXXX XXXX stop reporting my payments and I am not getting the benefit of ownership. My credit score is really bad considering I have not failed to pay monthly.

The credit reports reflect that the loan is closed and was part of Chapter XXXX. I find this erroneous because the account number is the same since payment one, the same on the credit report, the same on monthly payments, escrow, Tax, and Interest statements, all communication sent by XXXX XXXX XXXX. 

I am not a lawyer, she did not file one, however, this loan is not closed, every month payment is made. How does this company get to take my money, not report and I get no credit for owning a home, and my credit does not improve? 

The reaffirmation is an excuse not to report, in my loan modification I signed a promissory note to XXXX   XXXX XXXX to pay $ XXXX for the next thirty years and a second note for a balloon payment at the end of that for another XXXX and if all fails on my part they are guaranteed to get the house ; which is why I fail to see why it is necessary for this kind of retribution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I confronted TDbank in XXXX ma. I explained that our accountant XXXX XXXX was in our opinion had stolen the funds from our lottery ticket for XXXX dollars. XXXX XXXX XXXX XXXX XXXX XXXX ma, has been charged and convicted .we had our house broken into all files stolen.police report filed .i closed this account and I have never received any paperwork on this account as we closed it and now XXXX tells me I owe this bank XXXX I owe nothing and this is interfering with me obtaining a proper safe home for myself and my XXXX child this account reports closure status unknown and a report date of XXXX/XXXX/12 I am still at the same address as i was and no checks ever got ordered to this account .TD bank needs to fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX was buy by Banco Popular de PR, on my credit report appear the loan by reliable with a XXXX + debt which is not correct and XXXX no longer exist is merged into Popular auto also popular auto   account appear double with two loans that are really the me with balance of over {$10000.00} plus the XXXX of XXXX. The actual amount owed is {$9100.00}. The bank is requesting reports, letters, complain to fix their accountability incompetence.

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 2019-12-23
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2021-12-16
Company: Experian Information Solutions Inc.
State: MI
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-07-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/21 XXXX around XXXX my wife and I went to the ATM at Fifth Third Bank to deposit my bonus check from my employer. I signed the check and wrote " pay to the order of " Them my wife signed it. ( Which is how the bank has told us to do it the past. I am not on the account. The transaction was complete the check was deposited and we waited for it to be available. The next day at XXXX still not available. So wife calls the bank and was told bank rejected check. Asked why was told payee not on account. Okay can we have the check back was told no .. that a legal copy of the check would be mailed to us. NEED OUT MONEY ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX. 

THE ACCOUNT ON MY CREDIT IN QUESTION IS CALIBER HOME LOANS. 

MY ACCOUNT IS SHOWING ( 18 ) LATE PAYMENTS ( 120 DAYS ) WHILE I WENT THROUGH A FORBEARANCE PROGRAM THAT I WAS TOLD WOULD NOT AFFECT MY CREDIT AT ALL BUT IT DID. 

I HAVE TRIED TO FIX THIS PROBLEM BACK ON XX/XX/XXXX. NO RESPONSE AND MY CREDIT REPORT REMAINS THE SAME. 

ON XX/XX/XXXX, I CALLED AGAIN AND WAS TOLD THE FORBEARANCE PROGRAM WOULD NOT AFFECT MY CREDIT SCORE. THEY SAID IT SHOULD OF NOT BEEN REPORTED ( 120 DAYS LATE ). 
THIS HAPPENED IN XXXX AND XXXX. 

THEY ALSO CONFIRMED THEIR RECORDS SHOW ALL PAYMENTS MADE ON TIME. I HAVE ACCOUNT STATEMENT SHOWING EVERY PAYMENT WAS ON TIME. 

I WOULD APPRECIATE THIS TO BE TAKEN OFF MY CREDIT REPORT IMMEDIATELY. 
THIS HAS CAUSED ME FINANCIAL HARDSHIP FOR NO REASON.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2019 we were being 2 or 3 payments in our mortgage. With Mr. Cooper. I tried to make a payment. It was returned to me. I was notified. That I can no longer make payments to my mortgage account. So, I applied for a modification with them and sent everything. They just had it paused. Now in XX/XX/2019 I got a letter that they are starting the foreclosure process. And I have email after email and phone calls saved when Ive tried to contact them to try to make payment in these past few months. I get no responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I enquired at an ATM about my account balance, at TD Bank. I now see that I have been charged {$3.00} for the enquiry. There was no warning at the ATM machine that I would be charged. When I called TD Bank to complain the person who answered agreed that this is XXXX of their more obnoxious, non-transparent fees but he could not do anything about it. Can you look into this ludicrous fee and the lack of transparency. Thank you. The account is a TD Business Convenience Plus account, although I understand now from the bank that it applies to other banking products at TD Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-24
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: Personal information incorrect

Complaint:
I've been trying to remove the inaccurate addresses off my report that are not mine and are sibling addresses and the credit bureaus haven't removed instead they added my current address in the previous addresses which is incorrect they should have my address as my previous address. 

They need to my correct address to current and remove all the others that aren't mine. 

I called XXXX, XXXX and TransUnion and I sent out letter XX/XX/2022 and nothing still hasn't be corrected.

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