BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromising of my social security number, and identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 To whom it may concern : I am writing in regard to my dispute of scam/fraud with TD Bank. On XX/XX/2021, my Personal checking account was hacked with several withdrawals being taken totaling in the amounts of {$2500.00}. I received a telephone call from a TD Bank representative and was told that my ATM ( Debit card ) was being used in a different state with suspicious charges and if this was me as the charges were in a different state. I told them that I was not making transitions. The TD bank person ( scammer ) then texted my phone and stated the amounts would go back into my account, however the name would be TD Bank Refund which would need my approval and I would have to state yes in which I did. During this time I was able to log into my TD bank account and realized the scammer created a XXXX account called XXXX and was withdrawing money from my personal checking account. I never approved withdrawals and realized this was a scam and immediately contacted TD Bank on XX/XX/2021 to report the fraud and scam. I was transferred to a TD Bank represented ( Fraud Department-XXXX  ). She in return requested that I close my PERSONAL checking and BUSINESS accounts as this was definitely fraud and a scam as there was no such account as XXXX XXXX XXXX. She provided me with a Claim number # XXXX and advise me to contact TD bank within 3-5 business days for the investigation results. I contact TD Bank on XX/XX/2021 for the status of the claim and was told that the claim was denied as I had approved the transition. I stated this was untrue, as I did not create a XXXX XXXX account and requested my money to be returned. I then asked the case to be reopened. TD bank Fraud representative then advised me to contact my local police department and file an incident report and to fax a copy of the police report to TD Bank with my new claim number Claim # XXXX. On XX/XX/2021, I filed a police ( Please see attached ) and faxed to TD Bank confirming the scam incident. The bank representative advise me to contact them within 3-5 days. However, on XX/XX/2021 TD Bank again denied my Fraud claim and will not refund my funds of XXXX. 

Please note, I have called the TD Fraud department, my local branch and was told my monies will not be refunded. I have exhausted all means to retrieving my money back into my account. I have banked with TD bank for over 15 years and have established a great rapport with excellent credit rating. Please assist me in this matter as the loss of XXXX has caused undue financial hardship, emotional stress on myself and family members in which I am the sole provider. 

I can be reached at XXXX  XXXX-XXXX  or by email XXXX. Thank you in advance. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: NRA Group, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please see attached documents and ID as it contains my full complaint and request.

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 2018-03-01
Company: Action Collection Agencies, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection agency, for an amount I have no knowledge of and never had knowledge of, fraudulently inserted a derogatory notation in an attempt to extort money. I called the underlying entity the collection agency claimed the debt to be from and they have no knowledge of debt in my name. At any rate, I was never notified of a debt nor was I ever given a chance to review it - which is a requirement of law. The actions by the collection agency are extremely illegal. 

The collection agency must remove any derogatory information from my file, otherwise I will sue them in federal court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: V and H Portfolio
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:
This collection agency vance and huffman says that I have a collection of XXXX dollars from some company name smart pay. They also say that the account was opened in XX/XX/2019 which is Incorrect I never opened no account for the company they are referring to on that year or any year. I called smart pay and they can not find no information pertaining to any account under my name. This is not the first time that I complain or fight back against a collection agency for this particular account. More then 6 years ago I was contacted by a collection agency about this account and I disputed with the credit bureau and the collection was removed. Now they are hunting me down with the same account, different collection agency and saying that I opened this account on XX/XX/2019 which is false. I disputed this account with my credit bureaus but they don't want to remove this same account again because this company keeps lieing saying as if I open this account recently and now it's in collection. I want this collection removed because I do not recognize this collection as mine and the originator smart pay can not even locate any account under my information which makes me think that this is fraud and it's affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-28
Company: Security Credit Services, LLC
State: OK
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 filed an credit verification request pursuant to 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ) regarding an debt that is claimed to be mine. The company responded with information that belonged to a XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX for XXXX XXXX, XXXX. It also included their banking information. The verification also included an explanation of Calculation of Surplus or Deficiency for an XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The company didn't comply with the law and my request but instead sent other people documents which is an big problem due recent identity thefts etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX my checking account was debited for {$260.00}, I contacted TDBANK the same day and advised this transaction was already debited and not authorized by XXXX since they received payment on XX/XX/XXXX. I requested a temporary credit because I knew I had scheduled payments that would be causing my account to overdraft further. Between XX/XX/XXXX and XX/XX/XXXX I received over {$490.00} worth of overdraft fees from the bank. 
I called and tried to explain the issue to the customer service manager XXXX on XX/XX/XXXX but was given the most unneccesary feedback. Instead of obliging to their policy of putting the customers first and going above and beyond she went on to criticize the transactions that were passing through. 
I am a mother of XXXX who has struggled to make ends meet during this pandemic, every dollar that passes through my account is accounted for and budgeted. I would've hoped when an unauthorized transaction passed through the account my bank would have my back to ensure I get back on track. Instead I am robbed with fees and chasitzed for trying to stay afloat during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: DC
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 REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION AND THIS IS NOT THE SAME ISSUES RAISED IN PREVIOUS COMPLAINT. 1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections. 2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and US DEPT OF EDU Account # XXXX. XXXX ) I as a consumer have the RIGHT TO PRIVACY pursuant to Title 15 USC 1681 ( a ) ( 4 ) - ACCURACY AND FAIRNESS OF CREDIT REPORTING, and the US DEPT OF EDU Account # XXXX, XXXX, EQUIFAX and XXXX VIOLATED MY PRIVACY. ALSO, US DEPT OF EDU Account # XXXX, VIOLATED 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to US DEPT OF EDU Account # XXXX ( BOTH ACCOUNTS ) TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY OF THESE FRAUDULENT ACCOUNTS ( XXXX - XXXX ) TO MY CONSUMER REPORT. I'm enforcing my rights and demanding US DEPT OF EDUCATION ACCOUNT # XXXX CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ). I demand BOTH accounts XXXX be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Enhanced Recovery Company is currently reporting a collection to XXXX  and XXXX  regarding a XXXX debt. I have never had an account with XXXX and this is a result of identity theft. I have tried to resolve this issue 3 times with the credit bureaus directly, in addition to submitted a copy of an FTC police report to Enhanced Recovery Company demonstrating that this does not belong to me, yet they continue to report this false debt which is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report was showing a few late payments in  XXXX  and  XXXX . I filed a dispute because the account was in deferment/forbearance for the dates during which the alleged late payments occurred. I got a report from  XXXX  this morning stating that the dispute was closed and the late payments were still showing on my account. I contacted  Fedloan and received no answers on why they did n't respond to the dispute. If Fedloan re sponded to the dispute request why were n't the late payments corrected? Also, I requested a copy of the letter that shows the account was in deferment in  XXXX  but have not received it yet. It has been ov er 4 week s since the original request. I called customer service and was told the initial request was entered in error b y Fedloan. Then, t he request was modified on  XXXX / XXXX / XXXX . I still do n't have the letter..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hi today ( XX/XX/XXXX ) I called TD bank because I had an overdraft Balance of {$680.00} out of which 82 % was overdraft fees ( {$560.00} ) when I called to try to get some of the overdraft fees removed, they declined it. I asked to speak to a manager and she also declined my request. 

When I asked why I was charged my first overdraft fee of {$70.00}, I figured I was victim of balance misrepresentation. 

On XX/XX/XXXX I was charged a overdraft fee of {$70.00} for over-drafting my account to - {$6.00}. However, my balance was showing {$240.00} positive and it didnt show un posted transaction which still totaled up under {$240.00} because some of them were charged after XX/XX/XXXX when the first overdraft has already occurred. XXXX the manager had told me it was due to pending transactions not shown on my account which led me to believe I had a positive balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed the following accounts by mail and online with each of the bureaus. Still, none of these bureaus are reporting the disputed accounts accurately. Furthermore, addresses that do no belong to me are reflected on my reports and must be removed. 

XXXX XXXX XXXX XXXX This account was paid in full, yet XXXX is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau Transunion says XX/XX/XXXX, XXXX says XX/XX/XXXX XXXX  says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX XXXX XXXX This account was paid in full, yet XXXX  is reporting this aspect clearly. The account was never a charge off/collection. The date of last activity is reported inconsistently across each bureau Transunion says XX/XX/XXXX, XXXX says XX/XX/XXXX and XXXX says XX/XX/XXXX. Payment status is also inaccurate and mischaracterized when it should read, PAID. So, how can they each respond the account is reporting accurately, yet be reporting all kinds of inconsistent info? 

XXXX XXXX monthly payment amount, term, payment status and date last active are contradictory and inaccurate. How can each bureau be reporting completely variable information if they claim the information was verified? 

XXXX XXXX account status, monthly payment, terms, payment status, comments and date last active are completely different from each other, again, inaccurate and misleading. 

According to Fair credit reporting act, the reports should be 100 % accurate and if not, the inaccurate information must be removed. I have attempted to resolve these issues with each bureau who FAILED to comply with the law.

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 2020-04-20
Company: ULRS, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received numerous phone calls from XXXX XXXX, United Legal Group, XXXX / XXXX ext XXXX regarding his attempt to collect a debt from someone not at this number. I have instructed him both on the phone while speaking to him and by voice mail to cease and desist calling me about this matter. This is clearly regarding an alleged debt by someone who does not reside at this residence. 

So far this month alone : XXXX XX/XX/2020 - Received phone call from XXXX XXXX and told him to stop calling. 
XXXX XX/XX/2020 - Received phone call from XXXX XXXX on my answering machine. 
XXXX XX/XX/2020 - Spoke with XXXX XXXX and specifically told him to stop calling. 
XXXX XX/XX/2020 - In response to yet another in a series of recorded phone calls, I left a voice mail at the provided number and told him to stop calling. 
XXXX XX/XX/2020 - Received phone call from XXXX XXXX on my answering machine. 

I have recordings of his phone calls as well as pictures of the caller id showing dates and times of his phone calls after being told to cease and desist calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Pursuant to 15 U.S. Code 1666b - Timing of payments XXXX XXXX you are in violation! It is evident you have violated this entire section.

You have failed to comply with this section 15 U.S. Code 1666b and I am demanding you to correct all your errors, you have broke the law!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
After spending hours on the phone with Transunion, I am still currently unable to access my credit report online either through the Transunion main site, the XXXX XXXX Credit Monitoring Site, or through XXXX XXXX XXXX XXXX. As an XXXX XXXX XXXX XXXX, I created an account with the XXXX XXXX credit monitoring site of Transunion, but this page has not worked for the past week and I called to report that it wasn't working. While reporting this, I also reported that I was not able to request my credit reports with Transunion through any of their sites. After numerous calls and several transfers to different departments, I was instructed to pay for Transunion 's credit monitoring service. I informed the representative that as an XXXX XXXX XXXX XXXX XXXX XXXX, it is a federal law that I receive free credit monitoring service. Despite informing the representative of this, she continued to insist that I pay or completely delete my online account and create a new one. None of these solutions made any sense and did not seem an adequate solution to solve the problem, so I asked to speak to a supervisor. Once I was placed on hold with the supervisor, he said he was going to check my " file '' and speak to me in a moment. After being on hold for about 10 minutes, he disconnected the line. When I called back another representative ran me through a couple of steps as we tried to fix the issue, but nothing worked. He placed me on hold again to talk to a supervisor and they once again hung up on me. I was told that there was nothing wrong with my credit file minus a recent address update, so there was no reason why I am not being granted access to my file. Each representative seemed baffled by the issue and unable to assist in any way. After hours of back and forth, I was hung up on yet again with no solution. As an XXXX XXXX XXXX XXXX and a recent victim of identity theft, I would like to have access to view my credit report to monitor for identity related issues.

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 2020-03-06
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Preparing my taxes I discovered a XX/XX/XXXX payment of {$390.00} from my Escrow account for " Windstorm Ins Paid. '' Further investigation I found a XX/XX/XXXX payment for {$580.00} scheduled to pay for " Wind coverage. '' I don't live in a Wind Zone that requires Wind Insurance. Fay Servicing twice opened up insurance investigations and twice came back with, " Case closed, we just paid what XXXX XXXX billed us. '' But XXXX XXXX insists that they have not billed for, nor collected, any premiums to cover me for Wind Insurance. I have requested copies of these bills and Fay has not produced them. 
Supposedly there is a 3rd investigation open and the {$390.00} check has been requested from some 3rd party that does their checks. 
I keep getting told to " Call back in a few days '', or " Call back next week. '' I've made 15 phone calls over 5 weeks.

Company response to consumer: Closed with explanation