BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
TD Bank, Target Credit Card refuses to report correct balance to Credit Reporting Agencies. I have warned Target Customer Service that they are ruining my credit score because they refuse to report the correct balance on time each month. Currently the entire balance has been paid off as of XX/XX/2023, and I filed a dispute twice with XXXX, and Target responded lying and stating that I owed them {$130.00}. I can prove with my bank statement that I paid the account off. It is very important that credit card companies submit the correct information each month to the credit reporting agencies. 
My credit score is low and I should have excellent credit with a much higher score over XXXX. I am now canceling the Target account after XXXX years of trying to improve my credit score and they continue to lie to the credit agencies. My next step is to file a lawsuit against Target for violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: AZ
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-08-22
Company: FirstPoint Collection Resources
State: NC
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:
Firstpoint collections resolution open XX/XX/XXXX On my XXXX an this shouldnt be not on my XXXX aslo there another XXXX firstpoint collection open XX/XX/XXXX that was open for collection for XXXX have no knowledge of these item I lost my wallet maybe someone used it I dont know but these are wrong on my XXXX report none of this is on my XXXX Im asking to please remove these items please I dispute the items nothing so may time frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amt : {$25000.00}, XXXXXXXX XXXX XXXX XXXX XXXX : # XXXX Amt : {$18000.00}, XXXX XXXX XXXX XXXX  : # XXXX XXXX : {$2500.00}, XXXX XXXX : # XXXX XXXX : {$200.00}, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: MA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 168192 ( A ) ( l ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 
And They also didn't even record the current status of the disputed information which is another violation. 
And They also didn't even record the current status of the disputed information which is another violation.

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 2023-09-29
Company: TFS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
My closing was scheduled for today. I was informed yesterday that the loan company failed to send over the documents needed and they completely quit communicating with me. I've frozen my credit file, but I'm legitimately scared I'm about to have my identity stolen or something, because to completely go no contact after the loan was approved and about to be signed and notarized, this is just so weird and scary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not informed about the debt collection from XXXX XXXX, as they sent the notice to an incorrect address instead of my current one. As soon as I became aware of the collection on my account, I settled it in full, and it now reflects a balance of {$0.00}, indicating it's fully paid. Given that I was not notified at the right address about the debt, I request that this be completely removed from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: DISCOVER BANK
State: MO
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:
This is in regards to a Late Payment Dispute for DISCOVER BANK XXXX Credit Card. My credit report shows a 30 day past due payment on XX/XX/XXXX for this account. Per my Statement attachment, this is incorrect. A payment was due on XX/XX/XXXX and made on XX/XX/XXXX. There was an interruption in the auto-pay which is why there was a few day delay in payment ( not 30 days ) and why the late charge was refunded. 

I also called Discover customer service on the week of XX/XX/XXXX and confirmed this with a customer service representative as well as an escalations manager. There is no 30 day late payment in their system, all payments are shown as on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company started calling me in XXXX immediately after my husband died. They stated that I have XXXX in collections on a capital one account. Not ever having a capital one account I dismissed this and hung up. However they continued to call constantly. After ignoring for all these months they called Thursday stating that it was now with a law firm, XXXX XXXX XXXX  XXXX, which I looked up and initially appeared to be legit. They threatened if I did not pay they would go after my business and my credit would be impacted. After XXXX hrs of argument they had convinced me and had me in total fear. My business is my only income to support my XXXX children as a newly widowed and single mom. After hrs of negotiation and scare tactics, they stated if I agreed to pay {$5700.00} they would settle. I continued to plead and explained I did not have the money. They then said if I paid {$2800.00} at that moment she would likely be able to get rid of the remaining balance. I agreed to pay this via my XXXX and they sent a docusign credit card authorization form from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX'. Immediately after making the payment and getting off the phone I called Capital One who confirm that I did in fact never have any type of account with them ever. Following that confirmation I called XXXX XXXX in attempt to stop the payment, which I could not do. I have submitted a dispute but I assume they use that docusign for that exact reason. In further investigation I see that they have done this to a number of other people. They are extremely convincing. They had my SS # and many legit accounts and addresses that I have had over the years of my life. They used my husbands death and my financial insecurities and my children to manipulate me into giving them all of this money. These people need to be stopped. I have an XXXX XXXX XXXX. I run a good honest business. I am doing my best to navigate in my still somewhat new role as a single windowed mother at XXXX XXXX XXXX. These people are heartless theives and belong behind bars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
Applied for construction loan in XX/XX/2023. Submitted required paperwork. Was accepted. Now they will not close loan. Ive submitted XXXX XXXX documents, proof of retirement accounts ; 35 year work history ; and pay stubs ; only to be delayed for six months. To this present time. Close dates have been promised and cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: IN
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  account # XXXX, XXXX, XXXX, XXXX has violated my rights.

15 USC 1681 Section 602 Section I have the right to privacy.

15 USC 1681 Section 604 A : Section 2 : It also states a consumer reporting agency furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2023-08-23
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I am a federal government employee with the XXXX XXXX  XXXX XXXX in XXXX Texas they advise us to bank with XXXX XXXX  or Penfed I have also filed with the state attorney general office below on this same matter. I am a victim of identity theft I am having the same problem with Penfed Bank I had provided them with the same documents as well I uploaded them onto their website they notified me that they clear that fraudulent account which the balance was XXXX at first they told me they would open me another account which they did but they place it on hold until the balance of XXXX was a clear up I told them I would not pay for something I did not do they informed me they received my documents but do not want to do business with me and I thought that if a person is a victim of identity theft they are not held accountable and which these two banks are holding me accountable for my identity being stolen. peddled received my documents on XXXX I resent them the documents again on XX/XX/XXXX and XXXX ofXX/XX/XXXX the same thing happened with XXXX XXXX and XXXX XXXX they are including as well

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-23
Company: AMERICAN EXPRESS COMPANY
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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentialitv under 15 USC 1681. 
Reached out to XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : American Express. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctlv 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 writen astrucions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agenc if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also tried getting in contact numerous times, they aren't even in compliance with XXXX XXXX credit reporting either. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: The CMI Group, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt was put on my report before by XXXX XXXX and XXXX XXXX  then removed and sod then placed back as a collection with no notice still and no verification from any one. As well as they do not have a phone number or contact information listed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: CO
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 sent a letter on XX/XX/2022 to removeXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: CITIBANK, N.A.
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:
According to law 15 usc 1692j section 807. I'm requesting you to validate debt. With my signature, contract date and my social security on file. If, not please delete from my credit report.

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 2020-09-08
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:
Hello, I have written and submitted 4 rounds of certified mail letters to the credit bureaus to provide me with original contracts with my signatures on the disputed items and they said verified but have asked for proof and they can not provide me with proof. Below is the last written certified letter that we n't to the said credit bureaus.

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the  FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide XXXX XXXX XXXX   XXXX XXXX XXXX Unverified Account Chase Card XXXX Unverified Account XXXX XXXX   XXXX Unverified Account

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 2022-12-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Account # XXXX Auto Loan taken ut by XXXX XXXX XXXX Not XXXX XXXX, Should not show on my personal Account, Its paid by XXXX XXXX XXXX and not XXXX XXXX and the information is not correct and adversly affecting 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 explanation