BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$5600.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed ftc on all XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$13000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$13000.00} Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$18000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$18000.00} Date OpenedXXXX  Dispute Revolving Accountsshow tooltip button XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$850.00} Date OpenedXXXX

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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  and TransUnion have been reporting these fraudulent accounts under my name XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
State: NY
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 have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: TRANSWORLD SYSTEMS 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2013 a XXXX account was opened with XXXX XXXX. This account is a fraudulent account opened by my ex while I was XXXX for XXXX XXXX military service. I had no knowledge this account existed until my social security wages were garnished. Ive contacted the company and disputed this with 2 major credit reporting agencies. This account now reflects a XXXX balance and this is negatively effecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: EQUIFAX, 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 am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I wrote a check for {$140.00} to pay my XXXX XXXX acct. XXXX never receive the payment and later found out that the check ended up at XXXX Bank and had been cashed. I reported this to my bank TD Bank located on XXXX XXXX in XXXX, DE they give me the run around for months. I did all they requested of me. Lastly I filled out a document and was told an investigator would call me. He never called. I reopened the case again and give them the reference number given to me the first time I made the complaint. I was told they could n't find any record. I filled out the same document and was told again an investigator would call in about a week. No one called and two months had passed. I called them and was told by XXXX that there was nothing they could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12
Company: The Bureaus, Inc.
State: CT
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: Was not notified of investigation status or results

Complaint:
The Bureaus Inc. continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that The Bureaus Inc. reported this entry XX/XX/2017 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. 

The payment history reported on this account lacks veracity. They report no payment history on XXXX  and XXXX  ; however, they report payment history on XXXX. I never entered into an agreement with this company, yet they are reporting a negative payment each month? Additionally, this collection account reflects terms. There are no terms on collection accounts. This is a violation of consumer law. 

Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by The Bureaus Inc.

To that end, I sent a letter to The Bureaus Inc. ( See attached letter ). This letter has been sent to both addresses reflected on my multiple reports, including XXXX XXXX  XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. To date, this company has not provided any documentation bearing my signature or proving the of the validity of every entry they are continuing to report. This company has had months to respond to me with the anything that verifies this account indeed belongs to me ; yet they have not. 

Consumer law provides that the creditor/company is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that The Bureaus Inc. has no intent to honor nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation, with signatures, to substantiate the alleged debt, this entry must be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a few problems with my mortgage company, When I borrowed money on my house, I bought XXXX insurance with it. Unfortunately I became ill and had to use it, and when it ended, my husband became ill and it took about a year to get XXXX approved. We struggled for a whole year to make those payments. The insurance paid for that year and the mortgage company had us paid up for a long while. There came a couple of times that the mortgage company said that I needed to make payments on it. I protested, but I made them because I did not want to loose our insurance. Sadly the XXXX insurance ended, I have an illness that has no cure, and my husband is now on social security, so I cancelled the XXXX insurance, and I kept the life insurance. The mortgage company started calling me, asking me to start paying them again. They talked me into doing automatic withdrawal, they were to take out a set amount of money a month. On the first withdrawal, they took out more than XXXX more than they should have. I was promised my money back, but that was another lie, I did not get my money back. I got a letter around the first week of XXXX stating that I was over charged {$960.00} and that they would credit it back to my account. I got a call from XXXX of the workers inquiring about my account, and wanted to know if I needed to make arrangements. I asked for what? I told him about the letter, and asked what happened to the money? He said that it was applied to my account, but not in the way that I think ( whatever that means ). I told him that I wanted it applied to my payments. He said it could not be done that way. I told him that I would call the home office and get it straighten out. He said it wo n't do you any good. I asked are you telling me that I can not call the home office? He then got sarcastic with me, and said, you can call anyone you want, you can call the president if you want too. I am still trying to figure out why our President was brought into this conversation. I was told that the manager could override it and fix it for me ( from the call center ). She was not available, the assistant manager called me back, while she was actually in the office. When she finally got on the phone she told me that it could not be reversed, and she never mentioned her workers bad behavior, until I brought it up, and she did not seem concerned nor did she apologize for it. XXXX thing that I found out was that my loan does not have any life insurance on it. When asked, who cancelled it, I was told everyone 's was cancelled. I also found out that since a payment was due, they took the interest out of the money and stuck it in a place that 's unknown to me. I have no more insurance what gives them the right to pay what they want and not let my husband and myself have a say in it since we were the ones that were over charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
I had a XXXX  and XXXX credit card with the original company, they sold to synchrony bank. Since selling the company I am not getting my statements via mail or electronic delivery. They allow the time to lapse then send me a you forgot to pay your bill email. When I reached out to the company they wanted me to validate my email for the statements. I did that and it is ironic how I am not getting statements but getting the you forgot to pay your bill then they've added late fees etc. This account should have been pretty much paid down and I never see it going down because I never receive the statements only late notices. To me this is fraudulent and predatory lending.

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 monetary relief
Consumer complaint received 2020-01-09
Company: ONEMAIN FINANCE CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with Citi in XXXX 2015. The promotion was that after I spent {$1000.00} and did two bill pays within 60 days I would get XXXX XXXX XXXX miles from Citi. I did both quickly and Citi refused to award me my miles saying I did the wrong kind of bill pay. They granted me an extension to make additional bill pays which I met XX/XX/XXXX, they still refused to award me my miles. I opened a complaint with Citi which took approximately 7 phone calls to resolve because the department that files the complaint was n't working to resolve the issue. I just heard from Citi that they denied my complaint because I did n't spend the requisite amount of money on the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: TOLL BROTHERS INC
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I enter a building contract with XXXX XXXX, a Toll Brothers Company. I gave them the required {$2000.00} earnest money deposit and completed the VA Loan application that very day. I was approved for the loan within the hour. XXXX XXXX began construction on my home in XXXX, XXXX. However the Covid 19 Coronavirus struck in XXXX and basically shut XXXX XXXX   down. I have experience nearly a {$50000.00} lost in income and as of XXXX was disqualified by TBI Mortgage for their new home. TBI Mortgage is owned by Toll Brothers, who also owns XXXX XXXX. Under the VA Loan program and the Mortgage Contingency Clause, should I fail to qualify for the loan I am entitled to receive a refund of my earnest money of {$2000.00}. XXXX XXXX has threaten me with a lawsuit of not less than 5 % of the cost of the home, which was {$390000.00}. I was also threaten with arrest for trespassing if I was ever found to be on the construction lot without prior approval. Because I am a XXXX  XXXX   XXXX/XXXX/XXXX, I take the Building and Fire Codes rather seriously. That is not the case with XXXX XXXX or the City of XXXX Idaho who was responsible to conduct all Building Inspections. They both failed terribly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX/XXXX  Had posted a hard inquiry on my credit report and I have never applied for anything with this company its 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 2015-08-07
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
1. The credit card is misadvertised at the first beginning when I wassold to apply for this card. I was told it 's a 0 % interest card forthe first 12 months and then 28 % APR. The sales and the customerservices keep using the language the interest is " void '' to mislead itscustomers, and in certain way allure and motivate people to open thecredit card, even I had the full cash to pay for the goods at the timeof purchase. 
2. TD Retail Card Services did n't send me any notification about whenis the deadline of paying the balance in full. I understand yourmonthly statement says the promotion expiration date, which is XXXX, 2015. However, the statement of XXXX XXXX to XXXX XXXX did n't statethe interest deferred to be added on the current balance ; thestatement of XXXX XXXX to XXXX XXXX did n't state the interestdeferred to be added on the current balance either. These statementsdid n't demonstrate that the expiration date is the actual deadline ofpaying off the current balance in order not to incur any surchargeevent. 
3. I paid in full for my previous balance of {$6400.00} on XXXX XXXX, 2015. 
4. 28 % APR is way too high for any standard credit card. The APR isaveraged at 15 % in the United States. What kinda of business wouldoffer such a high APR and 0 % interest rate in the first year at thesame time? I am suspicious about the misconduction of credit businessand I would encourage for further investigation of their customerbase, since I believe I am definitely not the only one who wasmislead, confused by their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$340.00}, {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$150.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
XXXX XXXX I file disputes letters to the credit bureaus, I have yet to received anything from them. I understand that with covid and bein understaff things might be slow but taking over 45 days is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had wrote a check for XXXX for labor through my business account on XX/XX/2020. The check had been cleared on XX/XX/2020. The person to whom I had written the check originally, used the phone app to cash it then threw the check away. On XX/XX/2020 the same check had been cashed again with a forged signature in the endorsement box on back then in writing below signed over to another name with the last name scratched out and what appears to be a social security number beside it. I had filed a police report and signed all paperwork necessary for the chase bank in XXXX Ohio. Everyone agrees its definitely forgery. My problem is they are telling me to wait up to 60 days before I can see the monies returned. This is most certainly the banks problem for allowing a check to be cashed twice not to mention the endorsement was very sketchy and the check was 3 months old.

Company response to consumer: Closed with monetary relief