BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-17
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2015-07-31
Company: Renton Collections Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Renton Collections today to pay a debt in collections from an ambulance ride I was given after having a XXXX XXXX shortly after Hurricane XXXX forced me to relocate from XXXX XXXX to the XXXX area. 

My credit report showed the debt as {$1000.00}. But when I gave my credit card information to the woman ( XXXX XXXX ) assisting me over the phone, she charged me {$1600.00}. She explained that the nearly XXXX additional dollars were due to interest. I agreed to pay that amount in full, but requested an itemized breakdown of the accrued interest showing how we got to that number today. 

She refused, and instead emailed me a proof of payment showing the total amount charged, but without explaining how that amount was arrived at. She told me that information would be available if I made a request in writing. I asked to speak with someone else in the organization who may be able to help. XXXX first refused to transfer me, explaining that she was the manager, but eventually transferred me to XXXX XXXX. 

XXXX also refused to provide me with any sort of written breakdown of the figure I had just paid. At one point he suggested that I was a criminal for " not paying to good doctors who provided me with such good service ''. 

XXXX transfered me back to XXXX. XXXX continued to refuse to provide me with the information I was requesting, showing how the debt increased. Both XXXX and XXXX told me multiple times to go to " XXXX and use the calculator to figure out how interest works. '' When I reminded XXXX that she had earlier offered to send me this information if I made a formal request, she backtracked and said that Renton Collections would forward my request to their lawyers and then decide if they could share anything with me. 

XXXX told me at the end of my call that I was a special case and that they were wiping my collection notice off of my credit report because they had never called me to tell me about the debt. She said that records showed they had mailed me once at a XXXX address that I do not actually live at. 

XXXX also suggested that she could put the debt collection notice back onto my credit report " if I wanted her to ''. 

I have an email from XXXXXXXXXXXX showing I paid {$1600.00} today, but have been refused an itemized breakdown of the debt, or even proof that the debt was owned by Renton Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2015-04-04
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have had a bank account at TD Bank NA in XXXX, Pennsylvania. I opened the account almost three years ago only used the account twice to use the counting machine in the branch, and so maintained a low balance. I have not deposited, withdrawn, or had any transactions with my account, including coin counting for over two years now. My account was noted as " inactive '' on XXXX 's system, and as such I was not able to conduct transactions over the phone, which I found out today. 

Recently, TD Bank converted my account without my consent to an account with a minimum balance. As a result, they charged fees to my inactive account for not meeting the minimum balance. TD may have assessed overdraft fees because the fees they assessed for not meeting the minimum balance brought my balance below zero. All of this without my consent and on an account they knew and had listed as inactive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C. 1681 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 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 explanation
Consumer complaint received 2016-07-26
Company: TMX Finance LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
TitleMax of XXXX, California disclosed my personal information to former friend of mine regarding my debt. They got this info off my reference document provided. I no longer speak to this person, until they contacted me and told me they were being harassed by TitleMax. They informed my friend that she needed to speak to me, where she was from and what it was regarding. Prior to this, a tow truck driver showed up at her house looking for me and the vehicle. Speaking to my friends father and disclosing more information about my debt and why they were there. 

I have made REPEATED attempts for them to stop. I informed them to come collect the vehicle and they refuse to do so. It is my opinion that they refuse to collect the vehicle to they can continue to keep collecting interest at high rates in hopes of getting this money later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank allowed charges to go through on my account after I told them not to via secure message on the online banking site. 
They told me that the conversation I had with their employee only related to not allowing money from my savings account to be used towards the charges and not the main account. 
At no time when I signed up for the account and signed a form to allow charges to go through without sufficient funds or when I advised them to stop allowing any charges to go through was I told that this was a separate agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-01
Company: Sterling Infosystems Inc.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX ( parent company, Sterling XXXX Company ) is reporting information on you consumer file that is inaccurate and surpass its statue of limitations governed by the FCRA and the FTC. This company is reporting information about me with false information disclosing this falsified information to my employer. This company is indicating information from XXXX TWENTY SIX ( 26 ) years ago just because my name matches their database. Additionally, they are reporting information that is almost TEN years old on a name match in the State of New York, XXXX XXXX. I am requesting they cease their abuse and clear violations of the FRCA.

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 2016-06-26
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Someone stole my personal information and identity. I am a victim of identity theft. The following accounts are unauthorized and fraudulent : XXXX XXXX, XXXX XXXX XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XX/XX/XXXX, XXXX collections were put on my Equifax credit report. These accounts are not mine. XXXX XXXX XXXX bank Balance {$590.00} opened XX/XX/XXXX, XXXX XXXX XXXX balance {$1000.00} opened XX/XX/XXXX, XXXX balance {$600.00} opened XX/XX/XXXX, XXXX Balance {$310.00}, XXXX accounts for XXXX XXXX opened rhe same day seems highly irregular. Plese delete these from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This account below should be deleted from credit report. The first one is a public record that has been deleted by both XXXX and XXXX. The second account is not mines. 

1. 
Reference Number XXXX Court Date Status Amount {$1400.00} Classification Type legalitems 2. XXXX Other XX/XX/2011 Closed 1 Missed Payment {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: JH Portfolio Debt Equities, LLC
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
JH Portfolio Debt Equity is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several hundred e-mails and letters to the company including the company CEO explaining the debts are not owed. XXXX XXXX refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on. JH Portfolio has issued trades lines on my credit bureau listing.

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 2015-04-28
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX my XXXX XXXX partner received a phone call from a person saying he was a representative of XXXX and they had detected a problem with our computer. Coincidentally, I was out of town and we were having difficulty with the computer email system. So, he thought it was really a person from microsoft and gave his personal information as well as his Target credit card info. I returned home the next day and my partner told me of the incident. I called Target and asked to have a stop put on the charge. They said they could n't until it was posted. We called Target again on the following Monday, XXXX XXXX. The charge had been posted and we asked for a stop, explaining that we felt the charges were from a fraudulent co. called XXXX. Target told us that we needed to write a letter explaining what happened. We wrote the letter. target then sent us a form to fill out with a return addressed envelope. We filled that out and returned it. XXXX XXXX Target sent a letter saying they had not heard from us and sent a bill for {$390.00}. We called the number provided on the letter and got an answering machine from a guy named XXXX in Arizona. His message said he would contact us within XXXX days. We have yet to hear from XXXX and the bill will be due on XXXX XXXX. We fear that we will be forced to pay for services that will never be received and that Target supports thieves. What can we do? I went on line to search XXXX XXXX and there is a long list of blogs/complaints from people who have gone through very similar experiences. Most of them did not have XXXX and did n't give their credit card information. We will continue to pursue this violation. 

We are unable to attach documents because we do n't have email capabilities with this computer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-05
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited XXXX into my suntrust checking account on Thursday XXXX. I never received any communication on when the funds would be available. Moreover, SUNTRUST violated Reg CC policy where I should have received atleast {$200.00} next business day and upto {$5000.00} by 2nd business day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have applied for a HAMP loan modification that I clearly qualify for based on this criteria. 
1. Primary Residence, 2. I currently have an interest rate over 2 %, 3. DTI over % XXXX, 4. Underwater on Mortgage, 5. Hardship due to medical issues from an auto accident. 

Suntrust is dragging the process out by telling us we need something different every week or so and they are not returning messages even though they say they will within 24 hours. 

So now we are not paying our mortgage and they are forcing us into foreclosure which they will try to use against us later.

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 2016-08-26
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My organization was preliminarily approved as qualifying for the XXXX XXXX XXXX XXXX program. Later, FedLoan Servicing rescinded the prior approval, saying that my organization did not actually qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Long story short when I was in the military I took out a private student loan from XXXX XXXX XXXX. After I got out of the military in XXXX XXXX, I graduated college that XXXX XXXX. Some time between XXXX and XXXX my loan is being serviced by American Education Services. After I got out of the XXXX I got a job and was struggling to make my payment of {$320.00}. The intial loan amount was {$30000.00} with Interest I owe {$42000.00}. In the last 3 years I have paid over {$7000.00} in interest and only {$3500.00} in principle. The interest rate is at 5.83 %. So lets fast forward to XXXX XXXX, XXXX right now I am unemployed, I am 100 % XXXX with service connected through the VA. I am back in school doing XXXX credit hours using my post XXXX XXXX XXXX. I am married with XXXX kids XXXX of the children I pay {$1000.00} a month in child support. Also in the mean time my wife and I are trying to start a business so all her time is spent raising a XXXX year old and office management stuff to find customers for our XXXX business. Finally I have had enough and I called XXXX XXXX XXXX, I was told they no longer do student loans and they ca n't help me with my private loan in restructuring it. They said technically AES owns the loan and they can do it. I called AES and talked to a supervisor named XXXX she told me the same thing I have heard over the last 3 years XXXX XXXX XXXX only allows 2 month forbearance that is it. After threatening to call and write anyone and everyone that could help me handle the situation XXXX said that they would forbear it for 60 months while I am in school. She sent me the paper work and it only says forbearance for 2 months. I am at my wit end and do n't know what I can do to get help besides start writing and calling everyone to get help. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am addressing your agency because there is Public Record Information on my personal credit profile that I am challenging as inaccurate in its filing. The case was a voluntary dismissal. " Dismissed '' means that it is adjudicated by the law and therefore not recognized as a completed or satisfied filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization. By what right does the credit reporting agencies hold my identity and credit under " Consumer Lock '' for 10 years when it does n't exist? I approached the Bankruptcy Court and they confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
This debt has been on my credit profile for some time. I have filed bankruptcy and this was an added debt, but it has not been removed. I have contacted the company to let them know I did not visit the hospital or receive any type of XXXX XXXX for the dates stated. They have not removed this from my credit profile. It has been reported on both Equifax and XXXX reports. Equifax still has it listed, but XXXX does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed with all three credit rating agencies and XXXX XXXX, a charge-off/write-off posted by XXXX XXXX on my credit report. I provided proof of payment that brought my account current. I provide evidence of an agreement to pay and online payment receipts directly to XXXX. I also included direct withdrawal receipts from XXXX 's rep XXXX. I was told by XXXX 's agent that as long as I kept my account current and paid the amounts agreed upon, XXXX would not take any further action. It was understood that I was not to use my card until the bill was paid in full at which time I could use the card again. During this time I was able to make payments directly to XXXX Website as well as have automatic withdrawals. I have documentation on XXXX paper showing payment of the amount to bring my account current and invoices showing bills amount owed and amount paid to XXXX XXXX. My account should not be in charge-off or write-off status. My account is still accessible and being paid for on XXXX. In addition I am paying as posted on XXXX 's website. I Had been making the agreed upon payments for over 6 months when they declared the account a charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
IN RESPONSE TO EQUIFAX THEY STATED TO CONTACT THE ORIGINAL CREDITOR FOR THIS INFO THE LAW STATES THAT THE REPORTING AGENCY HAS TO HAVE THIS INFO ON FILE WHEN A CONSUMER ASKED FOR IT IN THIS CASE EQUIFAX IS IN VIOLATION OF THE FCRA. I HAVE ATTACHED A COPY OF THE FEDERAL LAW 609 ACT IN THIS DISPUTE FOR EQUIFAX TO PLEASE READ AND PROVIDE BY THE FEDERAL LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a bill on collections that was paid on time on my credit report saying un paid. Balance is XXXX for the XXXX. 
Talked to a guy their and he does not know why it is showing. 

Also did not give outlet rental car permission to obtain my credit

Company response to consumer: Closed with explanation