BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 I received a telephone call ( on my home phone ) from XXXX, indicating that a fraudulent purchase was made on my XXXX account for an XXXX. I indicated that I did not make any purchase. The person indicated that in order to refund my " purchase '' I would need to give him some information to be sent to the Billing Dept. While on the phone, I looked at my account through my mobile app ( cell phone ) to see if any charges were made. I did not see any and as I was closing my account he started to tell me what to do in my account. He proceeded to say that my account was frozen and he needed me to transfer money in order to get my money back. I immediately closed my account app and told him the information was incorrect. I hung up the phone. 

I called TD bank to ask about any charges and if my account was frozen. I spoke to XXXX who told me my account was fine. I explained to her of some seemingly fraudulent activity and asked if she can put a hold on my account for a charge as explained to me for an XXXX. I asked if a note could be made to link to my account. Worried, I even called back to TD Bank and spoke to XXXX explaining this activity and to note it on the account. Unfortunately, I did not get last names but spoke to 2 representatives about this concern, This man called me back and asked me again to provide him with information and I did not take his call. 
A charge was made to a XXXX account XXXX XXXX, XXXX, for {$500.00}. I did not authorize this charge and my bank has denied my claim. 
I do not use XXXX nor do I have any friends that use it. I do not know a XXXX XXXX. 
The next day XXXX XX/XX/2020 ) I looked in my account app and a charge of {$500.00} was paid to this person in AZ. 
Although I asked for my account to reflect this fraudulent activity my bank did not make any effort to stop this payment. 
On XX/XX/2020 I received a letter from TD Bank denying my claim of fraudulent activity. 
They advised me to file a police report. 
I am reaching out to you because I do not feel protected by my bank as it seems that this incident should raise a red flag because I have never used XXXX and my bank should know this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Upon reviewing my credit report I found that there are numerous transactions from Credit Agencies loan companies and utility companies that are not mine

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 2015-04-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I defaulted on XXXX creditors. I hired XXXX Debt relief XXXX to settle. They provided documents that state my settlements. Experian did not properly record those changes. XXXX bank still lists me as a charge off of {$5200.00} when {$5100.00} was paid. I have court documents that state their representing attorney XXXX XXXX XXXX, XXXX. dropped their XXXX on XXXX XXXX. XXXX, XXXX XXXX bank was paid {$1700.00} XXXX. I owed {$4300.00} not {$8600.00}? Lastly, I received a XXXX from XXXX in the amount of {$16.00}, but my most recent report dated XXXX XXXX states {$19000.00}? Why did n't Experian do a thorough job? I gave them documents. I contacted XXXX and they said they would furnish cashed checks for additional proof if needed. 
I would like an explanation as to the discrepancies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: SECURITY FINANCE CORP
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Company keeps putting hard inquiries on my report every month. I have fell under hardship due to pandemic. My last payment was XXXX XXXX. I do owe XXXX out of XXXX loan. I think the constant hard inquiries are uncalled for and illegal. They are purposely ruining peoples credit

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 2020-08-17
Company: ACS Education Services
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 status incorrect

Complaint:
I was on forberance dor several years following the information that was given to me by acs and the years in a row i have in total i have 11 late payment when my loan was suppose to be on some sort of forberance. Its has a great impact on my credit report and i cant seem to get it currected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This company XXXX contacted me on the phone. Ask had I applied for a loan? I said yes I had. They told me they could help and put me in contact with XXXX XXXX, the senior finance mgr., who then ask how much loan I need and what for. I told him to repair my car and pay some bills. I ask for {$1500.00} and he said no problem. Just go to my nearest Walmart. I went there thinking he would transfer money into my account after he took my banking information and personal things of my work and so forth. After getting to Walmart, he informed me that I had to pay the insurance amount of {$190.00} before getting the money in my account. I figured if I had to pay insurance to guarantee he get his money back, I may as well get {$3000.00}. He told me that would be {$290.00}. He ask me to stay on the phone while we made the transaction to Money Gram. After this was done he said he would call me back in 20 min., which he did to tell me XXXX would be giving me the loan. A person from XXXX called and asked me to verify my information. Then tells me that this is a loan company I 'm borrowing from and there will be a {$480.00} fee to pay before I can get this money transferred to my account. I refused and called back to XXXX XXXX XXXX for a refund because that is not what I was told from the beginning. XXXX XXXX continues to tell me if I pay this {$480.00} they will deposit money in to my account. This is the information given me. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Fla. XXXX, loan confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX of XXXX a collection account through XXXX XXXX XXXX  in the amount of XXXX was placed back on my credit report. This collection account with XXXX XXXX as the original creditor was removed in XXXX. I was not notified by XXXX, XXXX, or Transunion that this collection would be placed back on my credit file.

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 2020-08-17
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$160.00} XXXX XXXXXXXX {$3400.00} DEPTEDXXXX XXXX {$2300.00} XXXX XXXX XXXX  XXXX {$2300.00} DEPTEDXXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$4200.00} DEPTEDXXXX   XXXX {$1200.00} DEPTEDXXXX XXXX {$1000.00} XXXX XXXX   XXXX {$480.00} DEPTEDXXXX  XXXX {$4500.00} XXXX XXXX   XXXX {$480.00} DEPTEDXXXX  XXXX {$5600.00} DEPTEDXXXX   XXXX {$4400.00} XXXX XXXX {$2600.00} DEPTEDXXXX   XXXX {$4600.00}

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 2016-07-06
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, XXXX I received a call form a lady pretending to be with the office of pretrial of investigation. The lady said her name was XXXX XXXX, she received case from attorney XXXX XXXX, who was attempting to collect a debt for a loan from XXXX XXXX. XXXX XXXX said, they had me on surveillance camera, they were coming to arrest me, she used the words felony, fraud, promissory, it would cost my family more to bail me out of jail. She then told me the best way to send the money was thru money gram. I went on the morning of XXXX XXXX, XXXX to the Walmart on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ; wired {$1000.00} to XXXX XXXX, to some XXXX XXXX, whom assumed to be some attorney working on behalf of some loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Contacted Ideal Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to settle a debt. Company withheld offering a settlement to the original creditor ( i.e., did not even present the offer ). Even once I/consumer disclosed that the original creditor would accept a settlement of at least XXXX if presented ( per their agreement they should at the very least present an offer ) XXXX XXXX and another female debt collector of the company said they would not uphold their agreement with the account holder because I should have paid the bill, and not wait until the bill was stopping me from getting something. Filing this complaint due to harassment and request that my debt is settled with another collection agency or the original creditor or they uphold the agreement made between the original creditor and debt collection agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I received my credit file months ago and I found that there is a judgment in Public Records that has been reporting for many years in my Experian file I have no knowledge why or who is reporting against me. I have contacted each or the XXXX Credit Bureau and disputed it and requested that it be investigated on ( XXXX XXXX separate occasions but I have not been able to get a response. I am now in the process of purchasing my home and require that it is removed from my credit history. I I know nothing of this account and require verification including all information used by this party to determine that it belongs to me.

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 2020-08-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I began an application for a mortgage refinance with XXXX XXXX of PHH Mortgage Co. In order to commit to the application I was required to pay {$750.00} up  front for a home appraisal, which I did. By XX/XX/XXXX, the loan was conditionally approved and a loan processor was assigned, XXXX XXXX. The loan had a rate-lock good until XX/XX/2020. All documents that were requested by the loan processor were supplied in a timely manner. After XXXX months, and the expiration of the rate-lock, I received notification from PHH that the loan was being declined. No reason was given other than " unacceptable property ''. I have made numerous requests by email and phone calls to XXXX XXXX requesting a refund of the appraisal fee, since we had complied with every request to close the loan on time. So far the only reply has been to make an untrue statement about a subordinated lien on the property, which had been cleared by the title company weeks earlier. I feel that my expense for the appraisal should be refunded since the loan was declined through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX is not correctly reporting that I am paying them in XXXX or XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
All XXXX credit reporting companies simply used the bogus information sent from the reporting companies as verification despite different social security numbers, addresses, and date of births. The " investigation '' process requires little to almost no proof that the actual person affected is the actual owner of the items in question. Simply providing the credit reporting agency a name and maybe an application should not be enough to continue reporting the information. Additionally, once police reports and affidavits are submitted to refute those claims, the credit reporting agencies still refuses to remove items that are not yours. Example : I am a teacher who makes {$38000.00} per year. Yet there are XXXX vehicles that were financed under my name within a 3 month period in the year 2014. XXXX were brand new cars and XXXX used. That should have thrown up red flags. Also there were over XXXX addresses and XXXX variations of my social security number used. The credit reporting agencies seem clueless as to the identity theft crimes that are sweeping this country.

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 2017-01-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
The following incorrect names and addresses are on my credit report. 

Misspelled/Incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misspelled/Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( not my address ) XXXX XXXX XXXX XXXX AL XXXX ( not my address ) XXXX XXXX XXXX XXXX AL XXXX ( missing apartment number )

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 2015-10-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This is on all XXXX credit bureaus. On XXXX XXXX I traded in a XXXX for a XXXX. Some reports have that I have XXXX car loans, I have XXXX. Under each of the reports inquires they have listed XXXX XXXX XX/XX/XXXX14- XXXX XXXX XXXX XX/XX/XXXX/14- XXXX XX/XX/XXXX/14-XXXX XX/XX/XXXX/14-all XXXX XX/XX/XXXX/14XXXX XXXX XXXX/XXXX/14 Where I purchased the car XXXX XXXX/XXXX/14 Which is my loan company XXXX XXXX/XXXX/14 It is my understanding that there should only be XXXX loan inquiry for this purchase. This greatly effects my credit and my score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
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: Their investigation did not fix an error on your report

Complaint:
I have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and notarized to Experian, XXXX  and XXXX. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to Experian and XXXX  and 30 days Non Response to XXXX. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to XXXX  and XXXX. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to XXXX, XXXX  and Experian. The three credit bureau continued to report this Unverified Account. 

At the same time I sent several dispute letters to XXXX XXXX XXXX. XXXX XXXX XXXX responded to each of my letters with a letter of their own. Their letter states We have Received and processed your dispute. After reviewing the information you provided, our account notes, and information provided by the previous creditor we have found that our information is correct. They failed to validate the account and provide me with any contract or agreement that I signed.All they have and continue to send is letters saying they validate the debt and a billing statement. 
XXXX XXXX XXXX continued to report this Unverified Account. 



XXXX XXXX XXXX, XXXX, XXXX and Experian needs to be held accountable for their misleading, false reporting and lack of a investigation. 


Experian, XXXX  and XXXX  has NOT provided me with who verified these accounts? 
a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be verified. 


Experian, XXXX and XXXX has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws.

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 2020-08-17
Company: TRIAD FINANCIAL SERVICES, INC.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
While trying to obtain a loan for a new mobile home park model I was pushed by the manufacture to do business with Triad Financial Services. I used the apply on line feature on the Triad website and had a Credit Approval-with pending conditions. The list of pending documents needed to complete the process was listed on the Credit Approval. I made copies of the requested documents and sent via email to the underwriter, XXXX XXXX. The email was sent on XX/XX/2020 @ XXXX. I tried to follow up with XXXX, however the direct line to XXXX went to another employee 's voicemail box and no other option was offered. XXXX XXXX was the customer rep and the only person I had contact with at Triad, two short phone calls. I tried to contact XXXX to make sure the documents arrived and were acceptable but I could only get her voicemail. I had one email response by XXXX telling me I would know something in 24-48hrs. During the same time I sent emails to ask questions about the loan and what Triad procedures are for items like escrow accounts and taxes. I never received a response. After consideration of Triad 's behavior and the Manufacture 's behavior I decided it was in my best interest to cancel the build and loan. I sent an official cancellation notice letter to all parties involved. This letter was emailed XX/XX/2020 @ XXXX. I was sent a denial of credit via the manufacture XXXX. The key factors for denial were listed as : Proportion of loan balances to load amounts is to high, Amount owed on revolving accounts is to high, unable to verify income.

I checked my credit scores before starting this application and the three credit agencies showed that I had NO balance on revolving credit, my credit score was XXXX and the only loan with a balance is a XXXX monthly payment. I have never had a forclosure, late payment or default of any kind. I am a XXXX XXXX XXXX XXXX  with my own company. I sent the requested 1099 and tax returns which prove my more than needed income for a loan of XXXX per month. 

It is my opinion that the very unfavorable denial of my loan was a retaliation done after I had canceled the loan and build, the cancellation letter I sent to Triad and XXXX XXXX XXXX XXXX  giving reason for cancellation as Triad 's failure to respond in a timely manner and XXXX XXXX XXXX   XXXX  using this to push back build and delivery dates. I have the email records shoeing the time lines. As the consumer I felt it was in my best interest to stop the transaction before I could end up in a contract with an aggressive predatory lender that has a long history at the XXXX  for bad customer service. 

I am more than willing to discuss this with anyone involved or government agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX/comenity bank reported that my account was delinquent 30 days or more. This is false. I made arrangement with XXXX due to COVID 19. When I called, they realized their mistake ... admitted that they were wrong, removed the late fees and the interest that was charged & said they would fix it. 
However, they still reported it late

Company response to consumer: Closed with explanation