BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-22
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
When I recently applied for a new mortgage it was discovered that my identity had been stolen and someone had opened a Nordstrom store card under my information and then purchased items, charged-off, and was sold to collections. I notified the 3 Credit Reporting Agencies and Nordstrom 's fraud department. The fraud department had me send a photocopy of my ID in along with a statement that the purchases were not mine and that I had not opened a card with them. I have tried to follow up several times with the Fraud department and each time they repeat that they have been sending physical mail which I am not receiving. They have also claimed I will need to work with the collections company separately. The issue is Nordstrom is the party responsible for not performing due diligence and issuing fraudulent credit and then selling that fraudulent credit to a 3rd party.  Nordstrom should be responsible AND helpful in the process. My credit report shows all paid as agreed ( never a single delinquency ) prior to this fraud. I would also expect them to be able to pull the location the card was opened such as physical store or IP address to show it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XX/XX/2019 I received an letter from the XXXX XXXX XXXX of XXXX stating the XXXX XXXX XXXX remove the accounts that's showing up on my credit report. I then sent a copy of the letter to Equafax Credit Bureau XX/XX/2019 along with a copy of my I'd and ss #. They removed the account and they know have put the account back onto my Equafax report. I wish for them to remove this account again and permanently keep it off my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FED LOAN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been fighting with EQUIFAX for quite sometime in regaurds to several fraud accounts that were once removed but have since been re-reported. I have sent in police reports aswell as valid notarized ID THEFT AFFDIVT AND FTC complaints and SUPPORTTING DOCUMENTS proving my ID THEFT and fraud. Equifax will not remove and are block anything even though they did in the past. updated documents have been sent in!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
XXXX XXXX insurance company requested a report from XXXX on XX/XX/2022. I have received a negative action letter. 

XXXX XXXX stated that a report from XXXX was used on their decision. 

Requested report and found a substantial amount of incorrect information ranging from different individuals who just shared my same name, wrong addresses, 20-30 year old addresses, real time driving information derived from the car telematics. 

Unable to initiate a dispute resolution due to incomplete information in website Customer service extremely difficult to navigate and drops calls continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a credit card with American Express account ending in XXXX and they sent me a letter around XX/XX/2021 and it was a letter about pay over time option but gave me the option to opt out. I called and opted out first thing and they assured me I would never be charged interest. 

Unfortunately, they did start charging me interest and for the most part they reimbursed most of it. But there were four charges of interest that they never reimbursed me for. I should have never been charged interest and they should have made the adjustments all of them but they have refused repeatedly. I even have printed out a chat that they blatantly say that because I was late on my last bill they will not adjust the account. I explained that the late fee of {$170.00} was to cover it being late and has nothing to do with the interest charges since I opted out that should be considered fraudulent charges in my opinion. 

The dates and amounts of charges are as follows : XX/XX/2021 XXXX, XX/XX/2021 XXXX, XX/XX/2021 XXXX and XX/XX/2021 for XXXX this totals {$280.00}. 

Please help me get the adjustments made to my account so they can send me a check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-24
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a mortgage payment in the amount of {$1500.00} to XXXX on XX/XX/XXXX, via ACH payment. At this time, my loan was being transferred to Specialized Loan Servicing. Realizing I should have waited to pay directly to SLS, I contacted XXXX about the payment. They assured me they would forward the payment to Specialized Loan Servicing. I contacted SLS regarding the matter. I was advised by SLS not to make an additional XXXX payment, as it would be applied when transferred to them. After waiting for an extended period of time, I contacted Specialized Loan Servicing to see why the payment hadn't been applied yet. SLS claimed they never received the payment. XXXX provided me with a copy of bulk check number XXXX with FedEx tracking XXXX, and claimed that my {$1500.00} payment for XX/XX/XXXX was included in that check to SLS. I contacted SLS  again and gave them the information. They insisted they had not received it but would open up a dispute with the information I had provided. After several failed attempts to resolve the issue with customer service directly, I wrote a formal notice of error to Specialized Loan Servicing. I provided them the information given to me by XXXX that showed the payment had been received and deposited. After conducting their research, they provided an official statement claiming that they did not receive any payment, and that there was no error on their part. I then submitted a formal notice of error to XXXX advising that Specialized Loan Servicing conducted research, and concluded no error on their part. XXXX responded again stating that the payment had been forwarded to Specialized Loan Servicing, and this time provided me with a redacted copy of the itemized account list contained in the bulk payment. 
I have evidence that the check with my specific payment was received, signed for, and deposited by Specialized Loan Servicing, yet they refuse to apply it to my account or refund it to me as requested in my formal letter to them. 
While my payment was being disputed with SLS, I continued to make on time payments for XXXX, XXXX, and so on. I was told I did not have to repay the XXXX payment while it was under dispute. Nobody contacted me to advise the dispute was over. This labeled my XXXX payment as late. My XXXX payment was instead applied to XXXX, and my XXXX payment was applied to XXXX. I contacted their customer service multiple times trying to resolve the missing payment with no resolution. Once I discovered the dispute was closed, I made an additional payment to cover XXXX and avoid penalty. It wasnt until I requested my mortgage insurance be removed after the new year of XXXX that I discovered they had labeled XXXX, XXXX, and XX/XX/XXXX payments as late. Because of these late payments, SLS has refused to remove mortgage insurance.

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 2022-01-26
Company: Incomm Holdings Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given a {$20.00} prepaid XXXX gift card for my daughter as a gift from her aunt. The company that sold the card was Vanilla Gift. The company claimed that the gift card was never activated and that they couldn't activate the card without a receipt, which of course I don't have because I didn't buy the card. When I asked if there was another way to activate the card, they said that they could maybe look into it if I provided extensive personal information, including a copy of the my driver 's license front and back and Social Security Number. For a {$20.00} gift card and a possible resolution, they wanted me to provide enough info to steal my identity. 

Vanilla Gift just took my sister 's money and made the gift card they sold extremely hard to use. They then wanted me to divulge extensive personal information that would allow someone to steal my identity to even look into the issue, with no promise of a resolution if I even moved forward with that path. I did not want to put my identity at risk for {$20.00}, which I suspect would be the case with many consumers. 

The process of making these gift cards so difficult to use is a predatory practice that should be investigated and remedied by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
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:
I am a consumer, beneficiary and trustee ; no third party or agency is writing for me or has influenced me. I XXXX XXXX XXXX am a natural person. Please see attached documents and ID as it contains my full complaint and request.

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 2017-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have dealt with a few of the credit card companies, including XXXX XXXX who had been uncooperative at times with a negative item which had been on my report for 7 years. This occurred in XX/XX/XXXX, during which at this time I have established new credit. The negative item was on or around XX/XX/XXXX-XX/XX/XXXX. I called all three credit bureaus trying to get negative inquiries removed, and all three were uncooperative, so I called XXXX XXXX an agency that helps remove negative items. I do not work full time I am on XXXX, I also had been receiving loan applications from the credit bureaus tempting me to apply, and I did for a few because of my credit card debt, I wanted to get a loan to pay them down and make one payment, they never told me that it would be a hard pull and it ruined my credit score. All of my accounts are paid on time. I also tried to opt out and they continued sending loan applications. I also have a complaint about the companies, XXXX and XXXX XXXX XXXX who I have been a long time consumer. XXXX offered me a credit limit of {$6000.00} dollars and I have tried to get a loan through them and they turn me down because of my income which is from XXXX. Even though I have struggled I am a responsible person and pay them every month. I had called XXXX XXXX XXXX late at night and got a man on the phone who was more than rude, yelling at me saying that I did n't provide any information and that was a lie, I told him my name, and everything he asked I answered it, he continued to yell at me until I asked for a Supervisor. He apologized for the person 's behavior. Whenever I apply for credit, these are a part of the reasons, Proportion of revolving balances to revolving credit is too high. Lack of recent information on installment accounts. ( I do n't even have a current loan ) I had one in the past with XXXX XXXX XXXX and they never reported the loan as payed off. Another was, too many inquiries in the last 12 months. ( I explained that to a customer service person at one of the credit bureaus, I believe it was XXXX that I have an XXXX and am getting help in XXXX Not sure if they believed that but it is the truth. I mentioned earlier that I wanted to opt out because I did n't want to be tempted to apply for any new credit and that was the reason why. I have been treated unfairly with no resolution.

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 2020-06-21
Company: Square Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Its cash app they locked my account the first time because I put request a refund but it was an accident then the second time I put request a refund because I gave money to this girl that was supposed to bring me something but instead as soon as I sent the money she blocked me on that account and turn her phone off so I request for a refund and they denied the request and they locked my account and I need to make a transfer and then close the account to get my money off of there I have messaged the support people about 40 times

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
3.Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2022-06-13
Company: Experian Information Solutions 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:
To whom it may concern, I have reached out to Experian and I have mentioned that there are inaccuracies listed on my consumer report with 3 accounts. The accounts are XXXX XXXX and an XXXX XXXX collection account. This account along isn't reporting on any other credit agencies and only on Experian. I also noticed inaccuracies on the dates of open, dates closed, due date, address, and many more inaccuracies were found on my consumer report. The accounts were removed and placed back on to my consumer report without my knowledge. I've contacted the legal department at Experian and explained the inaccuracies on my consumer report. I also ask in the investigation of receiving results of verified, I want to know what method of verification was used, who did, when, where, and how? Which method was determined the factor of verification, share that with me, give me a name, person, what method was used?. By consumer law I have the right to ask and know what was the method of verification and be given an answer. I am looking for the inaccurate accounts be removed immediately and permanently. Along the line there are several inaccuracies, violations of my rights and more. Defamation of character, distress has caused mental issues upon myself and if this continues to become a problem, I won't hesitate to pursue legal matters in the near future.

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 2020-01-07
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:
It's not my accounts, They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! ). I don't know where you got the following accounts. These oversights on your part are causing me a lot of trouble financially.

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 2020-01-07
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX the original debt on XX/XX/19 about Diversified collection being on my credit report about getting this removed. I have a copy of the conversation and XXXX agreed on XX/XX/19 to have this removed and said they will notify Diversified Consultant and the credit bureau to have this completely removed from my credit report in 15 days. I looked today and this is still showing on my report. I have called Diversified and told them the agreement that XXXX agreed to and Diversified told me I need to get with XXXX since they sent the debt back to Diversified since the account was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Experian Information Solutions 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 have disputed credit reporting agencies about unknown address of XXXX XXXX XXXX, XXXX, XXXX Plus also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my address. Also I retired on XXXX XXXX XXXX on XXXX XXXX2014 from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, California.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 2017-07-23
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: Old information reappears or never goes away

Complaint:
I had a My rtgage with XXXX XXXX that foreclosed in 2009, it was supposed to be removed from my cr fit reports last year, but regardless of opening complaints with all three credit bureaus it 's still showing

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 2022-01-27
Company: Thaxton Investment Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I've been harassed about an account that isn't mine. My father, who I'm not in contact with, listed my phone number with a personal finance company loan of some kind. I have told said company to stop calling me and to put me on their do not contact list. On XX/XX/XXXX they called me to ask about my father. I told them then to stop calling me. On XX/XX/XXXX they called me again. I told them to stop calling me. I received yet another call today from them asking about my father XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
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:
It's not my accounts, They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! ). I don't know where you got the following accounts. These oversights on your part are causing me a lot of trouble financially.

Company response to consumer: Closed with explanation