BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have asked TD Bank to remove mortgage information that has been settled in short sale, but they continue to report negative information. The properties were sold in XXXX, yet the accounts remain active on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible

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 2016-12-14
Company: Collection Bureau of America Ltd.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX, 2015 : I placed a call to XXXX and advised the customer service agent to cancel my account and arranged for the local delivery driver to retrieve all used 5-gallon water jugs from my residence the following Tuesday. Driver never came Tuesday. Driver came Wednesday and delivered MORE WATER jugs. Placed another call to XXXX advising them to come pick up the water jugs and stop delivering them and advised I would not be paying for the jugs they delivered without authorization. Once again, I was told the local delivery driver would come the following Tuesday and retrieve. Once again, I left the unused bottles and used bottles and storage mechanism out for XXXX to retrieve and once again, they never came. In XXXX 2015, the local Manager called me to advise he would send someone out to retrieve the jugs and storage mechanism. No one ever came and, as I had advised I was going to, I moved from that residence. I removed my debit card from my online account so XXXX XXXX XXXX could not continue to charge me a monthly fee ( this was a month-to-month agreement - no contracts involved ). I discovered today, after checking up on my credit report, that I have a collection against me from CBA Collection Bureau and the source of the debt is listed as XXXX. I do not owe XXXX ANY money, first. Second, XXXX NEVER attempted to contact me via phone, email, or written correspondence to disclose to me that they were attempted to collect this invalid debt. This collection needs to be removed from my credit report and this company should be fined heavily for their negligent practices.

Company response to consumer: Closed
Consumer complaint received 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft for about 5 years now, my information was leaked during the XXXX breach. I have disputed the items that are fraudulent on my credit report 3 times with all 3 bureaus and they all do the same thing. They open a dispute and close it within a DAY! Sometimes its closed within the hour! They DO NOT INVESTIGATE! Investigations take time and require a human being look over the evidence, which has never happened in my case. I have sent in the identity theft reports, police reports, and recently their were 2 individuals arrested with my stolen information and items. I sent them this evidence as well and it has gone unrecognized. Its beyond frustrating! The items that need deleted from my report that have DESTROYED MY GOOD CREDIT, are XXXX, XXXX XXXX XXXX and XXXX. I will upload all the evidence on this complaint.

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 2017-10-12
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX ( perhaps coincident to the early spring XXXX hack ) my credit card activity had six or seven incidents of unauthorized use. I filed a report with the FTC and with my local police department. 

I decided it was best to freeze my accounts at the three credit bureaus. I confirmed that for the state of Oregon and because I was the victim of identity fraud, that I could freeze my accounts for free. 

XXXX was an easy freeze. 

I went on the Experian site and asked for a credit freeze. I could only get one if I paid {$10.00}. There was no option to select for those who were identity fraud victims and were entitled by Oregon State Law to a free credit freeze. Experian had a link which provided all the state laws regarding the charges for credit freeze. Virtually all were represented. Except one. As luck would have it, Oregon was missing. 

I called Experian and selected " add or remove credit freeze. '' That selection put me in a loop which did n't allow me to pursue a credit freeze. After a few minutes, it dumped me out. 

I had a similar experience with XXXX. I attempted to freeze my credit on line. I was given no option for a free freeze because of the ID theft. I called XXXX, and also got looped through to a number of recordings and false choices which eventually dumped me out. 

This has been a challenging experience, having one 's personal information and ID stolen. It is made all the more onerous because the credit agencies make requisite remedies difficult, and communications to resolve the issue close to impossible. It 's unjust.

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 2017-02-09
Company: First Data Corporation
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
First Data company in cooperation with XXXX XXXX XXXX Merchant service scam my medical practice to lease a credit card reader for 4-5 year lease that can not be cancelled. The credit card reader worth XXXX-XXXX $ but it eventually costed me XXXX-XXXX $ to pay the lease. 

At the end of 4 years lease they did not inform me the lease has ended and they keep charging my bank account for outrageous amounts and when I finally found out and wanted to cancel it they created lots of hassles, 5-6 telephone calls, each time holding me for 30-45 minutes to pay off that junk machine after 4-5 years to get out of the lease. 

If you search on Internet there are lots of people like me that were scammed by this company and it must be stopped. 


XXXX XXXX XXXX XXXX, Connecticut

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
Don't have any credit cards never got a student loan nor do I have a account have been a victim of identity theft and fraud

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 2015-08-01
Company: First Credit Services Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
I am a minor. Years ago, I signed up for a gym membership, without knowing all my options. The Gym is called XXXX XXXX. I quickly realized that I did not need a full year contract. After using the gym for no more than XXXX months, I proceeded to cancel it. Being given different information by different reps over at XXXX XXXX, they prolonged the process, telling e to wait months. And each month came and they would give me another excuse. They asked for proof of me being a minor and then told me that it was n't enough. After months of a wild goose chase, I called my parent 's credit card company. They told me to not worry about it. I told them about the whole situation and how saw that others on the internet have also complained. They stop the charges and filed a complaint with the XXXX. We never heard about my membership since. All the online reviews seem to point toward exploitation of minors. 
Now, within the last few days, First Credit Service have been nonstop calling my parents about this. Due to my parent 's XXXX, the rep asked for " authorization '' to speak to me, the minor. I called them and asked about it. The numbers do n't add up to my original plan. They stated that it was for XXXX months. This added up to XXXX dollars. I told them information about which they seem to have no idea about the situation. They say that I need to file a dispute about a balance that I thought stopped. They asked me questions about my family. It seemed like they were just trying to collect information. They seem to exploit fears I told them about thing becoming litigious. Also, a bad credit score. I 'm turning XXXX. And they told me that they were on my side. " call me a friend, '' they said. That 's when I realize how similar it was to a cliche scene of good cop, bad cop. It was a very manipulative conversation. Although they said stuff, a lot of stuff sounded open ended. They also told me that my dispute will take months and that it was not likely to go through. I asked about how it was going to be investigated. They told me that they will decide and I was baffled. It 's like saying that the procedure is for me to say what happened, then they say what happened, and then they decide who is right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Upgrade, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I had an agreement with upgrade loans for {$5500.00}. On XX/XX/23 {$2500.00} was paid to my account as direct deposit, {$520.00} paid to my credit card company on my behalf and {$2200.00} was supposed to be paid as a check to XXXX XXXX XXXX on my behalf. payments to my bank account and credit was all received but no check of {$2200.00} was sent on my behalf to XXXX XXXX XXXX. I called upgrade customer service for weeks after weeks and they keep saying check will be cancelled and funds issued directly to me but nothing has happened. I already started making the agreed monthly payments to upgrade and this situation really put me in a difficult situation financially .its been 3 months now and counting!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF ED I XXXX  XXXX has violated my rights. 
15U.S. C 1681 section 602 A. States have the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2021-12-31
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:
During the Covid Pandemic, XX/XX/XXXX, I put my home mortgage account in forbearance. I didn't pay 2 months, XX/XX/XXXX and XX/XX/XXXX but resumed making payments in XX/XX/XXXX. During this time, I was instructed by the company that missed payments would not be reported to the credit bureaus. In XX/XX/XXXX, I get an alert that my mortgage account has been reported 60 days past due to all the credit reporting bureaus, although my XX/XX/XXXX mortgage statement indicated that my account was still in Covid forbearance status. When I called the mortgage company on XX/XX/XXXX that's when I was informed that my forbearance ended XX/XX/XXXX and that I should not have gone by what my actual mortgage statement was reporting, which was that my account was still in forbearance at that time. On XX/XX/XXXX I paid all past due amounts, which was also reported incorrectly on all 3 bureaus, bringing account current. Each bureau is reporting something different, so there are so many inaccuracies throughout the report. I filed disputes with all 3 bureaus and the resolve was the information was verified and reported accurately. I pulled my credit report XX/XX/XXXX, again to see that there is yet still another 60-day reporting for XX/XX/XXXX. I've written " Goodwill Letters '', spoken with several representatives and no one was willing to help me. I informed the company that a 60 day was now showing up for XX/XX/XXXX and was informed that they did not report it that I had to take it up with the reporting bureaus, which I did, and the information came back that my mortgage verified the information as accurate. I've been a customer since XX/XX/XXXX and before the pandemic I've NEVER once been late. I protect my credit like I protect my peace and there's no way I would have allowed a 60 day to hit my report, causing me XXXX points. These inaccuracies across the 3 bureaus have caused me physical, emotional and financial damages

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 2016-10-31
Company: Collection Bureau of America Ltd.
State: CA
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:
I have sent several letters to the City of XXXX and Collection Bureau of America on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as of today they have not responded. After looking at the debit it was reported XXXX/XXXX/XXXX the statue of limitations has lapse. Please contact all credit bureaus to have removed from all reports.

Company response to consumer: Closed
Consumer complaint received 2022-05-15
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: Their investigation did not fix an error on your report

Complaint:
I disputed a few items that I had in my collections and I saw several inaccuracies. So I sent the credit bureaus letters for them to delete the incorrect information from my credit report. They opened an investigation and determined that everything is accurate and they changed the last date of activity to a further date which extends the statute of limitation time clock. So now I'm even worse off than before and I've been attempting to dispute for this same reason, but they open the investigation and continue to do the same thing. To the point that I literally had nowhere to turn.

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 2017-07-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
i owe 6 months due to sickness and ask them to lower my monthly mortgage so my wife who is the only one working can be able to pay, she has 3 months right now to pay and the company is refusing to take the payments

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: Servis One, Inc., Titusville, PA Branch
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BSI servicing company keeps harrassing me with threats to report my account to credit bureaus and tacking on late fees for a payment they have already received by failed to apply. Please see all attached evidence, statements, and copies of checks cashed. i have emailed and called them several times to remedy this, however their customer service representatives simply have no answers and offer no solutions. My grace period is the XXXX of the each month, my payment is {$110.00} and I always round up to {$110.00}, and I have never had a late payment in my LIFE! I am sick of being harrassed by phone calls from BSI EVERY day ( 3-5 times per day ), EVERY MONTH from the XXXX to the XXXX of the month when I have never paid late! 



BSI acct #

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: EQUIFAX, 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:
During the Covid Pandemic, XX/XX/XXXX, I put my home mortgage account in forbearance. I didn't pay 2 months, XX/XX/XXXX and XX/XX/XXXX but resumed making payments in XX/XX/XXXX. During this time, I was instructed by the company that missed payments would not be reported to the credit bureaus. In XX/XX/XXXX, I get an alert that my mortgage account has been reported 60 days past due to all the credit reporting bureaus, although my XX/XX/XXXX mortgage statement indicated that my account was still in Covid forbearance status. When I called the mortgage company on XX/XX/XXXX that's when I was informed that my forbearance ended XX/XX/XXXX and that I should not have gone by what my actual mortgage statement was reporting, which was that my account was still in forbearance at that time. On XX/XX/XXXX I paid all past due amounts, which was also reported incorrectly on all 3 bureaus, bringing account current. Each bureau is reporting something different, so there are so many inaccuracies throughout the report. I filed disputes with all 3 bureaus and the resolve was the information was verified and reported accurately. I pulled my credit report XX/XX/XXXX, again to see that there is yet still another 60-day reporting for XX/XX/XXXX. I've written " Goodwill Letters '', spoken with several representatives and no one was willing to help me. I informed the company that a 60 day was now showing up for XX/XX/XXXX and was informed that they did not report it that I had to take it up with the reporting bureaus, which I did, and the information came back that my mortgage verified the information as accurate. I've been a customer since XX/XX/XXXX and before the pandemic I've NEVER once been late. I protect my credit like I protect my peace and there's no way I would have allowed a 60 day to hit my report, causing me XXXX points. These inaccuracies across the 3 bureaus have caused me physical, emotional and financial damages

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: SYNCHRONY FINANCIAL
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 has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 166B A creditor can not treat a payment under aN open end consumer Credit plan as late For any purpose

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 2022-05-15
Company: EQUIFAX, INC.
State: MS
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:
After reinvestigation, the information on my credit report is still inaccurate. 
( Date of Last Activity is inaccurate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 Section ( 5 ) ( A ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Carecredit.com opened a credit card account in my name without my consent or my application for such an account. I received a credit card in the mail and I promptly called the customer service number and closed the account. I was told they would send a letter confirming the closure.

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 2015-08-30
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am writing t inform you that Barclays is not my account. I believe thatit is fraud. I want it removed from my record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation