BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-14
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section.
2. Failed to provide copy of the original contact bearing my signature.
This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item.
Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have submitted several remit coupons to Target and they have either denied or mail returned my accounting 's. I have resent several times certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, as well as inquiries not belonging to me. However the credit reporting agencies are refusing to remove the information stating that items come back validated even though the information is incorrect. 

ENCLOSED IS A COPY OF MY IDENTITY THEFT REPORT SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTIONS 605B 615 ( F ) AND 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE IDENTITY THEFT REPORT I AM PROVIDING

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 2016-12-29
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a judgment against me on a {$5000.00} balance from an old XXXX credit card from my early XXXX and I 've been paying on it for almost 7 years now, around XXXX every year has been taken from my check and I have more than paid this debt back and I feel I 'm getting taken advantage of by their debt collection service, Kohn Law Firm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: 21ST MORTGAGE CORP.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I called my mortage lender to ask for assistance. The first time I called and asked could i have the payment changed to the end of the month i was told 'No '' and the lady began to tell me the reason they choose the XXXX of every month to the point she was talking to me like a child. I have lost some income and reached out to XXXX which advised me to call them and ask if they have any assistance options for me. I called and spoke to XXXX which handles my account when i asked for the retention department. XXXX went off and said they gave me assistance when they gave me the {$74000.00} loan and I had one late payment in XX/XX/XXXX. he then said you have lost of income, i said Yes SSI, he then said you did n't know it was going to end. I said it was income when I applied, so are you telling me you ca n't help me? he then transferred me to his manager XXXX he was then rude and went down the line saying when I made payments and XXXX told him why I was calling and I got my answer. My point is I love my home and all I asked was that they move the payments to the end of the month and was very disrespected and talked to like a DOG. I then hung up on XXXX. I will never in my LIfe do business with 21st Mortaga that will not allow individuals assistance when they are reaching out for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have been the victim of ID theft and have had numerus fraud accounts opened in my name over the years. It has been a nightmare trying to resolve all of this!! The most recent fraud account was opened with XXXX XXXX XXXX XXXX XXXX  XXXX it was opened on XX/XX/2021 and closed on XX/XX/2021. I was recently made aware of this account and have reached out to both creditor and Transunion about this account. I filed all the required and necessary paperwork. The other credit bearus have removed this account and deemed it to be fraud! TRANSUNION for whatever reason will not remove nor block this account! I've disputed it several times and nothing ever happens. i don't even get anything in the mail regarding the dispute. They honestly don't seem to be doing anything!! Per the FCRA they are required to block and or remove this account if the correct documents are submitted with this dispute, which they have been on more then on instance. Also transunion has my SSN incorrect and i can not get them to correct it for some reason. Ive attached a copy of my SSN card showing my correct SSN i ask that it be fixed ASAP. My contact info is as follows XXXX XXXX XXXX LA XXXX XXXX XXXX LA XXXX SSN # XXXX PHONE 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 2022-07-16
Company: Experian Information Solutions 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2022-03-22
Company: EQUIFAX, INC.
State: PA
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 fraudulent accounts on my credit file and would like them removed. Providing you with identity theft report. I have already provided a police report. XXXX XXXX XXXX is still on my credit report after I have contacted them and you numerous times. XXXX has verified inaccuracies and removed. Why won't you Equifax?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: CT
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 5th 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 XXXXXXXX XXXX XXXX XXXXXXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) 0000000003378****Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$58.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We have been attempting to qualify for a loan modification for over three years. We have submitted countless packages and documents to the lender/servicer XXXX XXXX. To this date we have not received an actual response either granting or denying a loan modification. Instead every time we contact the lender they advise us that our documents are under review and we are instructed to submit more documents each time. To make matters worse, our mortgage/servicer just changed on XXXX XXXX, XXXX. The new servicer BSI, states that the last set of documents the previous servicer XXXX XXXX provided them are from XXXX. This is completely erroneous as we had provided XXXX XXXX with documents countless times since then, most recently on XXXX XXXX, XXXX and XXXX XXXX, XXXX. Even after XXXX took over our mortgage on XXXX XXXX, XXXX, it took them over a month for our file to appear in their system. I continued to call them for weeks to no avail as our file had not been uploaded. This was time that was wasted by the servicer as during this period my loan modification could have been worked on. After finally speaking to a representative from XXXX who stated they had no financial records from me since XXXX, he advised me that I probably do not qualify for a loan modification because my actual loan is too delinquent. This statement was made without any knowledge of my current financial situation or the fact that I have submitted a substantial amount of financial documents to the previous servicer, XXXX XXXX. The way this has been handled by the banks/servicer is completely unacceptable. I currently have the funds and salary to qualify for a loan modification and save my home. This is my homestead and where I have raised my children. Given the chance of being provided a loan modification, I will be able to pay the monthly payments and save my home. I now have a sale date of XXXX XXXX, XXXX and am I still attempting to save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have asked for a monthly statement over the year only to be told many different reasons why I ca n't have one! I believe any would want to know where their money goes it seems it should be my right? they used to send them what happen? another thing that raises my eyebrow is this tax year I repeatedly asked for a XXXX only to be told I did not pay interest and that they would not provide one ... one last thing I have registered to log into my account but there is no information no payment history no balance nothing ... .another interesting thing is last year I applied for a car loan and told the officer that I have a home for the last 15 years he said it was no where yo be found in my credit history ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: The Bureaus, Inc.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concern : I have been a victim of Identify theft with a creditor name XXXX. In XXXX of XXXX I was informed by my mortgage company there was a file listed in the XXXX XXXX XXXX XXXX  for a Judgement against me for {$5400.00}. I was not aware of the Judgement against me was never inform as not even a letter sent to me. I was informed to contact The Bureau Investment Group to find out there was a credit card in my name for {$3000.00} dollars first of all I do not use my maiden name the credit card account supposed to have been open back in XX/XX/XXXX according to The Bureau Investment group I had no idea of a credit card in my name for {$3000.00}. I never had a credit card for that much in my name ever I don't go around opening up credit cards. On XX/XX/XXXX I talked to a XXXX XXXX from The Bureau Investment Group I asked did he have any information far as a copy of the credit card application showing my signature he responded no I explained to him that I been a victim of identify theft he told me he will send me an form affidavit of forgery along with a copy of the court Judgement. I have received the affidavit form and I returned it back to The Bureau of Investment for Investigation. In XX/XX/XXXX I had contacted the Bureau Investment to see if they had received my Affidavit forgery form back and I spoke to a XXXX XXXX she said they had received it along with a police report notarized and all. I asked XXXX XXXX do they have any application showing my signature to this credit card fraudulent application she reply no also XXXX XXXX told me to call back because The Bureau Investment will disclose the account because it has been to long over 20 years. I called back in XX/XX/XXXX to get some information on the investigation due to the pandemic no one in the office. I called again back in XX/XX/XXXX spoke to a XXXX XXXX he started to disrespect me on the phone and accuse me of the credit card account that I have been a victim of identify theft he never mention to me about the investigation that The Bureau of Investment was supposed to do on the account. The Bureau Investment Group was giving me a bunch of run around no investigation done on the account. I will not be responsible for a Identify theft that happen to me and I showed all my credentials to this company XXXX prove to them that I have been a victim they are trying to get me to pay back money to a company I have no knowledge of. I'm starting to believe this company is a fraud The Bureau of Investment I haven't heard anything from them. Please help I would like to have this case close with the XXXX XXXX XXXX XXXX to close out this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I request reconsideration for request reference number is : XXXX this bank keeps denying me based off someone else using my report in the past. I was unaware of this bank and now that Im trying to build a positive relationship they are penalizing me for something not my fault.

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 2021-10-03
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: Account information incorrect

Complaint:
Experian has violated my consumer rights. They will not remove or fix a XXXX XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.

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 2022-03-22
Company: JPMORGAN CHASE & CO.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail on XX/XX/2022 from a company, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX, regarding a debt in the amount of {$2800.00} from Providian Bank CD/Card. It was sent to me in my maiden which I haven't had in15 years. 

In the letter it says it is trying to settle a debt for Providian Bank CD/Card and that this payment is due in their office no later than XX/XX/2022. Failure to do so may result in your account being sent to a 3rd party to continue collection efforts. 

I called the XXXX  in New York and talked to a man and explained to him the situation and he said not to get in touch with the company, to call my Attorney General and report, file a complaint with the XXXX in New York, and to report to the FTC.gov ( Federal Trade Commission ). I am following the XXXX  's advice. 

The situation is I have NEVER done business with Providian Bank CD/Card. I have NEVER been contacted or informed by anyone or business about this NEVER. There is lots of frauds going on, that is why I called the XXXX  to find out how to handle the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: AFNI 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 the company Afni , Inc Account # XXXX, has violated my rights under the following codes 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Credit Protection Association, L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX/XXXX/15 I walked into XXXX and asked to be disconnected at the same time I paid XXXX ( {$70.00} ) the bill I owed and asked to be billed the balance. Until today, XXXX/XXXX/15 I have not had XXXX attempt to contact me from the XXXX. Today I received a COLLECTION NOTICE asking for payment on behalf of XXXX. I called XXXX to verify that they had all my personal information correct and still active, which they did. They could have emailed me, send me a bill by post, call me on the telephone or even text me on the phone! The " supervisor '' that I spoke with had no reasonable explanation for this outrageous conduct and ( I believe ) attempt to purposefully affect my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief