BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-04
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
I setup an automatic pay for my Target credit card starting in XXXX. I was not aware that the payment was not made until XXXX when I received an alert from XXXX XXXX that there was a change in my credit due to a derogatory remark. Target did not attempt to call me, send me an email about a past due amount or send me a letter of the delinquency. I am setup for email alerts and was not notified of any past due. I have never requested to not be contacted. I only received my regular electronic statement letter which did not indicate there was an issue in the subject, it looked like any other regular statement notification I received with Target. I would have not known that the payment was not coming out until I was notified by XXXX XXXX there was an issue with my credit report. As soon as I saw the XXXX XXXX report, I paid in full. I called target but they said they could not help with any credit reporting. My account reflected the derogatory remark for the month of XXXX and XXXX even though the account was paid in full in XXXX. I think it is unfair for a consumer to never be notified of a delinquent amount or have their credit reported if there was no actual attempt to collect a debt. And if they are allowed to report the credit without attempting to collect debt, why was my account negatively reflected for XXXX and not showing paid off? Target customer service could not help or answer these questions. They said I should reach out to a credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Dear Sir/Madam, Re : Complaint number XXXX & XXXX & XXXX A letter of complaint that had been forwarded to FTC, who had in turn, sent you for your action. I believed that FTC had forwarded the file, including the XXXX Exhibits. 
If you need more please let me know. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX XXXXTel : XXXXEmail : XXXXXXXXXXXX. 
Bureau of Consumer ProtectionFederal Trade CommissionXXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXDear Sir/Madam, Re : XXXX Case : Corporate Escalations XXXX XXXX Allegation of False Billings by XXXX, violation of FCC rules, Alleged violation by XXXX Equifax under FCRA & FTC rules, & Alleged violation of FDCP Act & FTC rules by collection agent, XXXX XXXX XXXX XXXX XXXX 

This is a complaint against XXXX, XXXX Equifax, and collection agentXXXX, XXXX XXXX XXXX XXXX, in connection of the above-captioned allegations. In which my rights may have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: First Data Corporation
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Almost {$600.00} of my financial aid was taken from someone in a foreign country and the bank keeps telling me they will send me a dispute form to fill out but I never received it. They then told me to fax them but claim that they never received it. It 's been over two weeks and I have n't gotten an update or anything.

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 2015-09-05
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX, 2015, I received a letter from American Medical Collection Agency ( " AMCA '' ) dated XXXX XXXX, 2015, regarding collection of a medical debt. The letter did not include the notice of right to dispute debt. Instead, the letter stated, " Dear XXXX, you may believe that XXXX will eventually forget about the XXXX you owe for XXXX. However, it is our responsibility to make sure that neither our client nor you forgets this debt. There is no longer any justification for not paying XXXX. Withholding payment is not acceptable. Your lack of response may place your credit record in jeopardy. You can resolve this problem easily before we are forced to take further collection steps. Send us your remittance for XXXX with the bottom portion of this letter, and we will promptly notify our client and remove your name from our delinquency files. Spare yourself further time on this matter. Pay this past-due bill today. '' On the back of the letter it stated, " this is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. '' However, the letter did not disclose my right to dispute per the FDCPA. The language contained in the letter implies " my lack of response '' will place my credit record in jeopardy. I consider this to be in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I wrote numerous letters to the debt collection agency and the provider, as well as numerous phone calls. The debt reported on my credit turned out to be inaccurate by the provider and I did not owe anything. I was assured the provider would have the debt collection agency remove the items from my credit report, but to-date the items still appear on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Linebarger Goggan Blair & Sampson LLP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
My company filed for chapter XXXX bankruptcy XXXX 2013 and listed the City XXXX as a debtor. A law firm contacted my in about XXXX of 2013 telling me that I owed a debt to the City XXXX for an unpaid business license for 2013 for a company that was closed at the time the payment was due. We had previously closed the company on the City 's business web site. 

At this time I told them in writing of the chapter XXXX filing and asked them to cease and desist all further attempts to collect the debt that was included in the bankruptcy. 

I never heard from them again until a few weeks ago when the same law firm sent me another demand letter for payment even though the debt was included in the bankruptcy filing and discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My detailed hardship letter does not fit here and is submitted with my other documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: AFNI INC.
State: AZ
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:
Company AFNI, I called them today to pay bill in full, I asked them to make sure it would be reported on my credit report and that I needed an email stating that they would do that and they refused to give me an email or anything in writing to prove that they would report it paid. They then stated they " don't do that according to company policy and said that is " the way it is '' and I would have to accept that. I again stated I wanted to pay it in full but would like an email stating what would be their part of the agreement, and then I would pay it immediately, they again refused. I believe that this is a very logical and fair request and they should have no problem doing that. what is the problem??? They shouldn't be able to keep it on my report if they are refusing to give me some proof of their actions that they should be responsible for. Companies like this are acting as bullies and should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: One Source Technology
State: AZ
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: Public record information inaccurate

Complaint:
XXXX ASURINT provided a background check for an employer. The employer contacted me and told me i was not honest about my background and im still on probation ( WHICH IM NOT ) so i was not able to be hired anymore. That news got back to my school that im currently enrolled in and now i am in danger of getting dropped from school because you need to have a pre hire to be in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: JPMORGAN CHASE & CO.
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Chase advertises Zero Fraud Protection, this issue is not identity theft, it was merchant fraud by a merchant we did business with by retaining card number and running charges for general references to products or services, but nothing specific. Merchant admitted charges were run fraudulently with no product or service provided. Chase continues to report this on my credit hurt me financially in order to collect the fraud loss from me rather than the merchant which went out of business. They make things up such as their " research '' or " investigation '' found that no fraud occurred, but they have failed to say what their research found was purchased in order to represent fraud did not occur. Chase can not do this because it is not true, only fraud is true. I have provided sworn statements and proof of jail for the crime. Crime has paid for Chase so far whom as made over {$15000.00} in interest over the few years this has been going on. They lie in letters sent out as well. The CFPB is the government oversight for credit card companies now. You guys do n't do anything!!! You send a pocket email response that says you wo n't do anything, or wo n't say the credit card company is breaking the law. So they XXXX people over. This is n't preschool and we do n't say anything is wrong, and just sit in time out. This is real stuff, real criminal actions, real jail time, and real fraud, but it is put on me the consumer. I am getting XXXX, my business is getting XXXX, and I 've placed several complaints, and receive no material response. Do n't let the banks screw people, because they will XXXX more people over with larger fraud amounts like mine, and turn it into a legal litigious item to XXXX the consumer. This fraud started at over $ XXXX. Chase raided the business account until it went negative. They only recovered around $ XXXX of it and kept it, but then said later that it was valid purchases .... How XXXX can you just go take money out of bank accounts for valid purchases?? You ca n't, Chase knew it was fraud!!! But when it came time to taking over a $ XXXX fraud loss, then went to being crooks. If anyone actually reads this, please email me at XXXXXXXXXXXX, or call me at XXXX XXXX XXXX. I think this is a complete waste of tax payer money cause you are not even looking nor acknowledging complaints!! If your policy says to ignore me, be a real human being and act like you would not want this XXXX to happen to you either. Be the Government Please, for the people, not for some people and not others ... ... .. Will you publish this for others to read?? Call me and let me know, anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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've asked for proof of the alleged debt, specifically the alleged original application bearing my signature : they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item XXXX not appear on my credit report if it can not be supported by evidence. 15 U.S.C 1681 have not supplied proof under the doctrine of estoppel by silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. You have XXXX business days to remove the said account XXXX XXXX XXXX XXXX Account 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 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reached out to the 3 credit bureaus regarding an account with portfolio recovery that I reached an a agreement on with the collection agency to settle an account it was paid in full and in the conditions of the agreement they reached to the 3 credit reporting agencies Transunion, XXXX, XXXX requesting that this account be removed. I disputed the account with credited bureaus asking them to properly investigate and remove this account since it is settled and the company agreed to remove it the credit bureaus did not conduct a proper investigation on the account. The credit bureaus continue to willing fully violate my consumer rights under the FCRA 611 ( a ) ( 5 ) ( i ).

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 2015-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian XXXX XXXX reported that my XX/XX/XXXX payment on my XXXX XXXX XXXX lease for a black XX/XX/XXXX Sorento was 30-60 days late. The attached shows that I do not have a payment due until XXXX XXXX and that I paid the payment due XXXX on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX and the payment due on XXXX was paid on XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
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:
Experian has repeatedly refused my request for an annual credit report through XXXX  and also the experian.com website directly, with me having gone as far as set ting up a direct account with them only to be denied access to the account as well. Have made several attempts to contact them via phone to five separate numbers to no avail, the repeated result of all of my calls has been to get disconnected or hung up on. No apparent method of contacting a person with my concerns is available. I've spent approximately six hours over three days attempting to rectify the situation without success.

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 2022-01-24
Company: Experian Information Solutions Inc.
State: PA
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 is incorrect

Complaint:
Experian is housing unverified information on my consumer report. Information from the Department of EducationXXXX XXXX 
They are violated several federal laws.

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 2020-01-02
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
the ftc violation of XXXX was filed XXXX XXXX XXXX XXXX 2 accounts were removed and put back on they are in violation of the law b/c they did not notify me that they were putting back on my credit please see FTC reports that by the law i satisfy my claim with police and affidavit

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 2020-08-04
Company: TD BANK US HOLDING COMPANY
State: MA
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:
On TARGET Website I purchased XXXX XXXX XXXX XXXX for 1 year. As soon as I had charged using Target RedCard # XXXX XXXX XXXX XXXX, I called and went on website to cancel. On or about one week later I received the same software that I had cancelled. I attempted to bring it back to the Target Store at XXXX XXXX, XXXX, Ma. The store stated that since it was purchased off of their website they could not take it back since it was from a seller. I then returned the unopened merchandise through XXXX on XX/XX/XXXX. Please see Return Shipping from XXXX dated XX/XX/XXXX. I then addressed a letter to their President/CEO at XXXX XXXX XXXX, XXXX, MN XXXX. On Monday, XX/XX/XXXX i received a notice from XXXX that my Fico Score had dropped for non-payment. This was followed up by dunning letters from Target. I attempted a resolution but was unsuccessful after spending three hours of phone time. Please see supporting documentation.. I was a Target fan, never will I step foot in this organization again. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-17
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have called and have done online dispute over 5 times with Equifax and each time they are not reviewing the information correctly. They are reporting false info on my credit reports. The account number does not match my account number. It is my only collection and is not mine. I have gotten a debt validation from the collection company and i have proved it does not match the account number i have. Equifax has not looked closely at this info and seems to be looked over by a computer. Account numbers do not match on debt of validation from XXXX. it is ruining my credit. i have also made a police report. This needs to come off of my report. Equifax takes a long time to review and when they do report, it is still false information. 
-XXXX XXXX has done their 60 day investigation and at least they see its false. 

Also, while i asked for debt of validation, Equifax let XXXX XXXX XXXX report again on my report as " open '' and " late '' and not as " being disputed ''. This is against the rules as well. 

This is against the Fair Credit Reporting Act ( FDRA ). i will submit to XXXX and contact my state 's attorney general if this does not get resolved. 

-Equifax reporting false info -Equifax not looking over account numbers -I have disputed 5 times and they are not looking at the info and it remains -i have attached my debt of validation from ONLINE COLLECTION SERVICES ( look at account number ) - i have attached my bill with account number from progress energy when i cut off my last bill ( look at account number ) -i have attached XXXX XXXX actually looking and correcting this issue like a credit reporting agency should. 


I expect this to be resolved very fast and not take weeks like when i dispute through Equifax dispute website. I have my information attached if you need to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My mom passed away XX/XX/2016. XXXX turned her over for collection. The first collection agency closed their file. She died with no funds. The second agency XXXX turned over the account to let a certified letter sit for XXXX week at the post office, therefore, allowing the XXXX day dispute time to elapse. I sent this company the death certificate in the letter. The day they finally claimed the letter, they sent another general collection notice out. The usps tracking number is XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation