BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-23
Company: TD BANK US HOLDING COMPANY
State: LA
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 issued a credit card when I only had a store card with them. I did not give them permission to do so and they sent it to my old address that I no longer live at. I have been disputing this since XX/XX/XXXX. I call literally every two weeks and they give me the run around. I was informed by MULTIPLE people in the department that I was not responsible for payment until their was resolution in the investigation. They still have not resolved it and I was informed by my EMPLOYER when I went to get a mortgage that they reported me 90 day past due. I paid it off and I am still disputing it but I needed it to stop reporting to my credit. They refuse to remove the past due because they claim they have let me know the dispute was n't resolved due to lack of information received and they need a better police report. I can only provide what the XXXX XXXX police department will give me and that is all they have. I have called over 50 times and have asked countless people to please call me back and tell me exactly what I need and no one will reach out to me. I am told " it 's not their responsibility to call a client '' this is damaged my credit beyond belief. I went from a XXXX to a XXXX. I want this past due removed and I want their dispute practices investigated. You can see from my records all the times I call and BEG for someone to call me back and no one will. Every time I speak to someone in customer care they are appalled by their lack of professionalism and promise a manager will call me back and no one ever does. It is disgusting and they should not be allowed to to this to consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-21
Company: First Federal Credit Control, Inc.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX FIRST FEDERAL CREDIT C XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious FIRST FEDERAL CREDIT C XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: ALLY FINANCIAL INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I dont know anything about whats going on. Ive told Ally financial over & over and I need it fixed ASAP!!!

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 2022-10-03
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX and their collection company, Convergent Outsourcing continue to contact me regarding account XXXX with a balance of {$530.00}. This account does not belong to me ; it was opened as a result of identity theft. I have already contacted XXXX XXXX and Convergent Outsourcing, but this account still has not been removed from my credit report. 

I never opened this account. The bill was sent to an address that I have never been affiliated with nor have I lived at the address. I have sent multiple copies of my ID theft affadavit and they still continue to harrass me about the debt that I do not owe.

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 2020-04-22
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: Account information incorrect

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TOT INACCURATE INFOMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Requested my " Expunged '' State Tax Lien be removed from my Credit Report, started an investigation, Equifax completed the investigation yet this item still remains on my Equifax Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-26
Company: COMMERCE BANK
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
commerce sold the account to XXXX, THIS ACCOUNT WAS DISCHARGE IN XX/XX/2021. WE WILL RE-OPENING XXXX TO FILE ADVERSARY LAWSUITS AGAINST BOTH. SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Back onXX/XX/XXXX six transactions in the amounts of {$69.00}, XXXX, XXXX, XXXX, XXXX, and XXXX were supposed to be disputed from XXXX due to me not receiving the merchandise. As a result, the representative informed me after receiving the other dispute forms for the transactions XXXX, and XXXX that i have nothing to worry about the other 6 disputes was taken care of. as a result 5 months later after constantly calling XXXX XXXX and the merchant XXXX i never received my refund or my merchandise i spoke with someone on XX/XX/XXXX by the name of XXXX who was a supervisor who made the horrible comment of " it 's nothing we can do about these other disputes because it is out of the 60 day time frame ''! I stated to XXXX how dare you put the blame on the customer because of the employee mistake because i specifically told the representative about the other 6 disputes so clearly it is not my fault. let alone i included the other 6 disputes on the second dispute form that they 've received and still stated that they 've never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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: Investigation took more than 30 days

Complaint:
Hello, I noticed inaccurate accounts and information on my credit report and contacted the 3 credit bureaus about it ( XXXX, XXXX, and TransUnion ). I sent letters asking them to validate these accounts and never received anything in the mail or email from this. It has been well over 30 days and I never received any information and the accounts are still on the report. I also sent letters to these three companies to validate this debt or remove them and they still have not been removed. I know that according to the law they have 30 days to validate or delete it. I have not heard from any of the companies. I sent certified letters and copies of my Identification to show that this is me inquiring about my report but nothing. Can you please help with this issue?

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 2017-04-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I was able to get a copy of my credit report and saw that I had numerous inquiries were not authorized by me. I spoke with several reps from Equifax and which no one was able to assist in the matter. I disputed them online and asked them to send me an updated copy of my report with them removed. Their response was simply giving me the definition of an inquiry, in which I am aware of. The second time I contacted them in regards to the situation, the representative was extremely rude and continuously cut me off when I was trying to explain to her the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Square Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX I tried to send money via Cash App. I received a text that the money was going to be refunded for my protection. I tried sending {$200.00} twice for a total of {$400.00}. After 2 months, my digital wallet is still showing {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: EQUIFAX, INC.
State: NC
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:
In XX/XX/2020, I attempted to request my credit report from Equifax on XXXX and was advised by the system that it wasn't possible. I also attempted on this same day to get my credit scores from XXXX. 
I spent the next few days speaking to countless representatives that would transfer me and the line would disconnected. After several days, I finally reached a representative who took the time to look at my account and advised that there was an error in the system that was causing me to not have the option to obtain my credit report and credit score from XXXX. I was advised that it would take 48 hours to reflect. 
Fast forward to XX/XX/2020 and I decided to try to sign up for XXXX again and was faced with the same dilemma as before. I called XXXX to get more information and was advised that they couldn't assist me and that I'd have to contact Equifax to have them completely remove any blocks or freezes on my credit profile. 
Today, I decided to give Equifax a call and after countless misinformation and transfers I have not found any resolve. I requested to be transferred to a manager and was met with a disconnected line. 
Can you please assist me in ensuring Equifax corrects any errors, any blocks, any freezes on my credit profile that are causing me to not have the luxury of obtaining my credit report ( often times ) and credit score ( all the time )?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
On XX/XX/2021 I attempted to send {$51.00} via Western Union. When submitting, it added 2 zeros, equaling {$5100.00}. My bank account is overdrawn. 

I immediately contacted Western Union to stop the transfer, they assured me they did. I was told the money would be back in my account on Tuesday, XX/XX/2021 ( 7 business days ). However, the money is not in my account. Every time I call, I get a different response as to why it is not in my account, when it will be in my account, that it is being investigated, etc. 

I was told multiple times that I would receive an email confirmation that the refund was being processed. That was never received. 

I was finally given a number of the corporate office, however that is not a legitimate phone number for Western Union ( XXXX ). 

I simply need my money back in my account. I have bills I can not pay because my account is over drawn. 

I have attached a " chat '' transcript as proof of the ongoing non help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX Attention Consumer Financial Protection Bureau, My husband and I were looking into refinancing our home through XXXX XXXX  XXXX. On Tuesday, XX/XX/XXXX we found out that there was a lien put on our mortgage. We did not know about, nor were informed about this lien. The original mortgage was created in XXXX for {$250000.00} with XXXX XXXX  and was assigned to XXXX XXXX and that mortgage was discharged on XX/XX/XXXX. In XX/XX/XXXX we refinanced with XXXX XXXX. XXXX XXXX assigned our mortgage to Bank of America on XX/XX/XXXX. On XX/XX/XXXX Bank of America created an FHA Partial HUD lien on our home for {$53000.00}. They had only owned our mortgage for a month from XXXX XXXX. We did not borrow money in XXXX or XXXX against our home. We do not know why we would have a lien put on property after 30 days on an amount we already paid. 
The other concerns that we have are the signatures for the lien and modifications. All the signatures are from XX/XX/XXXX when we signed paperwork for XXXX XXXX  NOT for Bank of America. 
The second issue is with the two modifications dated XX/XX/XXXX and XX/XX/XXXX. The signatures are also from XX/XX/XXXX. Once again, these signatures were before Bank of America owned our mortgage. The other concern we have is after the signature pages are notaries from Colorado and Texas that we were not present nor met to acknowledge this modification. 
My husband and we were behind on our payments during the Summer of XXXX. However, Bank of America set up our payments to be added to the end of the mortgage was in the amount of {$9700.00}. Bank of America assigned our mortgage to XXXX XXXX on XX/XX/XXXX. The deferred balance shows on our monthly mortgage statement. This modification was the only part of the mortgage we agreed to. The mortgage assignment also shows XXXX XXXX XXXX XXXX Attorney did not do their job. Since there is a lien on the property and not noted. Please investigate the entire situation and look into questionable issues and actions regarding these individuals, notaries and institutions regarding these changes. Please keep us in your investigation loop. Thank you. We are appalled that our signatures were used in such a questionable way. We would also like to see a " wet copy '' of our mortgage. 
Sincerely, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA 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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

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 2017-08-23
Company: Receivables Performance Management, LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I paid my XXXX bill through XX/XX/XXXX and had my service disconnected. XXXX wanted {$200.00} more so they charged my credit card {$200.00} without my knowledge or consent. I have disputed the charge. XXXX XXXX returned the {$200.00} to me. I have attached a document to prove this. I believe this is a case of age discrimination. I am XXXX years old. 
They charged a card that I rarely use, which I think, was an attempt to hide the theft. Since my service was disconnected on XX/XX/XXXX, what is this bill for? I am sending proof that I have not missed any XXXX payments to XX/XX/XXXX. All XXXX bills are paid one month in advance.The last bill I paid was XX/XX/XXXX. This bill was for XXXX. I have proof the {$63.00} charge is for XX/XX/XXXX. I am also sending proof that a XXXX statement states I do n't owe the bill. They must have decided to charge me the {$63.00} after they failed to steal the {$200.00} dollars. On one statement it shows all equipment was returned yet XXXX still decided to charge me {$200.00} plus {$61.00} the total {$260.00}. The physical address on all XXXX statements is not XXXX XXXX XXXX XXXX, Arkansas XXXX. I have moved in the last month. XXXX has turned this over to Receivables Performance Management XXXX XXXX XXXX XXXX XXXX, WA XXXX for collection. The XXXX statements prove I do n't owe the bill. I will upload all statements. Both XXXX and Receivables Performance Management have harassed me constantly. Receivables Performance Management did so without checking to see if I owed the bill. 


XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas 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 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
I submitted a dispute with Transunion online regarding an inaccuracy on my credit report XX/XX/XXXX. I have not to date received any result or response regarding the status of this dispute. I contacted Transunion by phone XX/XX/XXXX regarding having this information removed as I verified online the dispute was not complete. I spoke with two representatives, the first which said she was not authorized to remove the information. I then requested to speak with someone who was better able to assist me. The second representative " XXXX XXXX '' stated the dispute was completed XX/XX/XXXX and was mailed. However, this information contradicts what the first representative stated saying she could not update the report due to the dispute not being completed in time. I then asked Ms . XXXX why the dispute status was not updated online and she could not say. I also requested she email me proof of the completed dispute dated XX/XX/XXXX in which she said she could not do either.

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 2022-01-21
Company: EQUIFAX, 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:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation