BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-01
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
TD bank- XXXX XXXX credit card has called my personal phone to harass and annoy me into paying my monthly payment. Answered their call on XX/XX/2022. The call lasted 10 minutes and 35 seconds. I explained my situation to the agent and requested some assistance since I had been out sick for 8 months and my work XXXX benefit had not been sent my pay in a timely manner plus my expenses increased due to illness. I was provided options which I informed the agent I would consider and contact TD Bank as soon as I had the amount owed or the amount to settle. 

Here is a list of all the times I have recevied a call from TD Bank : XXXX - I was recuperating from Covid, XXXX XXXX, XXXX XXXX and pnemonia. 
XX/XX/XXXX Incoming XXXX 2 sec Incoming XXXX 15 sec Incoming XXXX 5 minutes 30 sec XXXX I returned to work XXXX XX/XX/XXXX after 8 months ill. 
XX/XX/XXXX Incoming XXXX did not answer Incoming XXXX 10 min 35 sec XX/XX/XXXX Incoming XXXX did not answer Incoming XXXX Did not answer XX/XX/XXXX Incoming XXXX did not answer Incoming XXXX missed Incoming XXXX did not answer XX/XX/XXXX Outgoing XXXX AM- 1 second ( hung up on me ) Incoming XXXX missed Incoming XXXX did not answer Incoming XXXX 6 seconds ( no one answered and hung up on me ) XX/XX/XXXX Incoming XXXX 4 seconds ( no one answered and hung up on me ) Incoming XXXX 2 seconds ( no one answered and hung up on me ) Incoming XXXX 2 seconds ( no one answered and hung up on me ) XX/XX/XXXX Incoming XXXX did not answer I blocked the number after XX/XX/XXXX and the following calls have been blocked but my phone still shows me that TD bank has called. 


XX/XX/XXXX Incoming XXXX XX/XX/XXXX Incoming XXXX Incoming XXXX XX/XX/XXXX Incoming XXXX Incoming XXXX The calls from the month of XXXX have mainly been received during my work hours I work from XXXX to XXXX Monday-Friday. 

I am overwhelmed by the amount of calls received in one day, and more so by the 20 calls received in the month of XXXX. 

Clause violated 22 times ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX  oclock antemeridian and before XXXX  oclock postmeridian, local time at the consumers location ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XX/XX/XXXX, re : Transunion unverifiable Bankruptcy reported on my credit report. Bankruptcy XXXX - case No. : XXXX. First of all, there is no company I am referring to the U.S. Bankruptcy Court, XXXX XXXXXXXX XXXX Florida, XXXX XXXX, XXXX, Florida XXXX. On XX/XX/XXXX, I sent a letter to TransUnion Credit Bureau, XXXX XXXX XXXX, XXXX, PA. XXXX. In the above referenced bankruptcy. As of today XX/XX/XXXX, no one has responded to me yet. TransUnion never remove the bankruptcy. It shows zero public records it is still listed on my credit report and my score was never updated. This is supposed to be removed completely nothing showing in the public records section of my credit report. According to my research my score increase should be 100-150 points. I have attached a copy of the page from Transunion credit report showing that the report shows zero public record but all the information about the bankruptcy is still on my report and my score has not changed. TransUnion has no intention of removing the bankruptcy from my credit report. Even though it has been over 30 days, and it has not been verified because only the bankruptcy court can do that, and they don't verify bankruptcy cases ( see attached letter ). The FCRA mandates that TransUnion correct errors within 30 days of notification ; or the error must be removed immediately it has been 77 days. I am attaching a copy of the letter that I sent to TransUnion on XX/XX/XXXX, XXXX there has been no response at all, and it is not off my credit report yet. This letter was sent certified mail returned receipt requested. XXXX XXXX XXXX XXXX XXXX. Received by TransUnion LLC on XX/XX/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 non-monetary relief
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$27000.00} DEPT OF ED/XXXX XXXXXXXX Balance : -

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 2022-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX : Charged {$2500.00} to XXXX  XX/XX/XXXX : XXXX canceled trip due to Covid-19 XXXX : We live in XXXX, NY Our original trip used XXXX XXXX out of XXXX. We could not get into XXXX for over a year, therefore could not book a trip out of XXXX. XXXX  was very difficult to work with. We contacted Capital One to request a refund for services not rendered. 

XX/XX/XXXX : Capital One rejects request XXXX : XXXX border opens up. We attempt to rebook with XXXX. No vacations are available. 

XX/XX/XXXX : XXXX agent, XXXX XXXX, puts in writing that we must book by XX/XX/XXXX, however, the vacation dates can be past XX/XX/XXXX. 

XXXX : We attempt to rebook with XXXX  We finally got XXXX to change our flights from bulk flights to published flights making it easier to book a trip. XXXX XXXX of XXXX we are told that we must travel before XX/XX/XXXX. In other words we had to plan a family vacation in two weeks when we have in writing that we only needed to book a trip by XX/XX/XXXX. 

XX/XX/XXXX : We, for the 2nd time, contacted Capital One to request a refund for services not rendered. 

XX/XX/XXXX : Capital One rejects request

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: FL
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:
A fraudulent credit card was opened in my name in XXXX of XXXX with XXXX XXXX  account number : XXXX. I had no choice than to settle this account with XXXX XXXX  XXXX XXXX XXXX XXXX in XX/XX/XXXX because I was applying for a mortgage and this fraudulent account was affecting me from getting a mortgage. I never opened any account nor received any service from XXXX XXXX. My identity was stolen to open this account. I filed a police report along with an identity theft report. Submitted both reports to the credit reporting agencies and they failed to remove this fraudulent charge-off account from my credit report. I also sent a certified letter to XXXX XXXX  requesting a debt validation and still havent received a response. Attached is proof that Ive made several attempts to get this fraudulent charge-off account removed from my credit report. I never authorized this account, please remove from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: JPMORGAN CHASE & CO.
State: NY
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:
This is for Chase Auto Loans First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer with exceptional payment history, paying on time and accepting all your company conditions. Unfortunately, I went through a financially tragic moment where I lost my job due to XXXX, was XXXX  and as a result, I missed one payment. 

According to the law I have my right to dispute what I consider unfair, and I consider it unfair that I tried to communicate with your banking institution representatives on several occasions during XXXX however there were 7-9 hours wait on the phone which would end up by call dropped or disconnected. and recently I contacted them again and their answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: VA
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid for postal services at the XXXX XXXX, FL post office on XX/XX/2023 at a cost of {$63.00} with a Citibank Mastercard charge card XXXX XXXX XXXX XXXX XXXX  XXXX. When I received my bill, there was a duplicate charge for another {$63.00}, which I did not authorize or receive any services for. The transaction number for this duplicate and incorrect charge is XXXX XXXX, showing that it was entered immediately after the original legitimate charge as it bears the number XXXX single digit higher than that of the original legitimate charge as you will note. 
I sent a complaint to Citicards Customer Service on XX/XX/2023. I received a reply dated XX/XX/2023 from Citicards verifying the {$63.00} charge with a USPS receipt stating that there was only XXXX transaction and they were closing the investigation. The charge that was verified was the original charge ( # XXXX ). My credit card invoice, which I had submitted to them clearly shows XXXX transactions for the same amount, XXXX after the other as noted above. Citicards ignored this point. I have sent XXXX more letters dated XX/XX/2023, XX/XX/2023, XX/XX/2023 and most recently XXXX pointing out Citicards ' error. Each time, they have responded that the investigation is closed, and they can not ask the merchant for verification! However, their focus continues to be on the original charge only and not the subject of my complaint, which is the duplicate charge with the different transaction number! This is completely unacceptable as I'm sure you will agree.

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 2023-08-17
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: IL
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:
Disputed and added remarks to three negative accounts with Experian and XXXX after providing documentation to have the accounts updated and or deleted. Thus far XXXX is the only credit bureau who removed the accounts and personally reached out to me to go over the accounts in question.

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 2022-06-29
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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Experian was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$450.00} XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$360.00}

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 non-monetary relief
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$56.00}

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 non-monetary relief
Consumer complaint received 2022-08-22
Company: APEX Asset Management, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Apex XXXX out of XXXX Pa continues too send me the same debt collection bill with the same amount every time. Ive already paid this and not knowing Ive paid it more than once already. As soon as I got on the phone with someone and explained the situation I was hung up on. Attempted to call back 8 more times and they would pick up and hang up. After all of this happened I XXXX Apex XXXX and the reviews Ive read were exactly what I am dealing with! They are a fraud and I need to get to the bottom of this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 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 a account without my written instructions

Company response to consumer: Closed with explanation