BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2021, and prior, I checked several websites for XXXX XXXX puppies as my family and I were searching for a puppy to have for the holidays. Finally, I inquired about a XXXX XXXX puppy from a web site XXXX. After providing my contact information, answering questions about my family, neighborhood, and interest in the puppy a XXXX XXXX phone # XXXX from XXXX XXXX Texas emailed me back and provided details about the puppy along with pictures of the puppy and the puppies parents. 

I let XXXX know I would like to proceed with purchasing the puppy. XXXX then requested I send XXXX dollars via XXXX to a XXXX XXXX at XXXX. The puppy was promised to arrive the following day XX/XX/2021. 

The following morning ( XX/XX/2021 ) XXXX XXXX reached via email and let me know he was going to arrange shipment of the puppy and I would receive the dog at my home around 6 PM. 

Later on this morning, I received an email from the supposed shipment company XXXX stating that the puppy required a crate for heat and safety if I wanted it shipped. The shipment company gave me a tracking number, three options of different crates, with different prices to rent 1,2, or 3 with a promise of refunding most of the money once the delivery and crate was returned. I picked the least expensive crate of a total of XXXX. A man named XXXX XXXX from XXXX XXXX requested I send the crate payment via XXXX to XXXX. 

Soon after, I was emailed that the crate 3 was not available and if I wanted the puppy shipped, I would have to pay an additional XXXX for the higher priced crate rental. 

At this point I realized I was being scammed. On this date XX/XX/2021, I called TD bank 3 times requesting and begging that they stop both payments to XXXX XXXX for XXXX and XXXX for XXXX. XX/XX/2021, was a Sunday and my online account showed both payments were pending. I requested TD not allow both payments to process. Each time I called, every customer service person I spoke with over the phone at TD bank said the same thing that once a payment is sent through XXXX, there is no way they can stop the payment. I was devastated. I went into a TD bank branch a few days later to speak with a bank teller and they advised me to dispute the transaction and file a police report. 
I waited until I received a letter from TD bank stating that my dispute for the amount of XXXX was denied due to an error not occurring. I then filed a police report on XX/XX/2021 at the XXXX Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: AZ
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:
The reporting company has continuously misreported and harassed me since the loans inception. The original balance was $ XXXX, my monthly payments which were made for 17 months straight came out to {$440.00} because I paid extra {$36.00} to make it even and also bring balance down faster. That comes to a total of {$6100.00} paid to XXXX XXXX XXXX. I was struck by a driver in XXXX of 2022 and had been awaiting the other parties insurance to take care of the situation and even contacted the lender to make them aware. They repossessed the vehicle and sold it for $ XXXX, yet the loan balance is showing on my credit report as $ XXXX. And recently went as far as to add an additional {$300.00} out of nowhere when the loan is already closed. The amounts paid were never accurately reflected on my credit report and even the balance after the vehicle was sold at auction has not been reflected correctly. This is an egregious violation of consumer rights which falls in line with every complaint Ive filed against them since the loan was opened. The actions being taken against my credit report seems to me like retaliation for the constant reports of them violating my consumer rights. They are blatantly misreporting the information on 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 explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My XXXX XXXX closed credit account shows incorrect information listed. This ACCOUNT has FRAUDULANT charges on the account. I already spoke with CUSTOMER SERVICE and filed a DISPUTE regarding this matter. please can you help me REMOVE this account from my CREDIT REPORTS Thanks, XXXX XXXX | Credit Card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have filed a FTC report last year for fraud Because there was a fraudulent card opened in my name with DISCOVER With a credit limit of {$9000.00}. The card was removed off of my consumer reports however I received a few letters from an attorney from DISCOVER. This account is not mine. I am attaching a new FTC REPORT in hopes to get this account resolved. Please remove my information from your company as I do not have any cards with you DISCOVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Netspend Corporation
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX Netspend allowed a fraudulent charge of {$650.00} to clear my account. I tried to be proactive and stop the charge while it was still In PENDING status but they told me I had to wait for the charge to hit my account ( this was all of my bill money ). I did as instructed and called them back to file a dispute to have the funds put back on my account. They then informed me that they have to do an investigation and my funds could potentially be put back in XX/XX/XXXX ( 3 weeks wait ) depending on their investigation. I submitted a claim to XXXX and they lied and told them they reached out to me twice XX/XX/XXXX & XX/XX/XXXX but I have no missed calls or voicemails from them and the agent XXXX who is handling my claim responded today XX/XX/XXXX to the XXXX but his voicemail says he is out of office until XX/XX/XXXX? My car payment is now 9 days past due and my car insurance is in jeopardy of lapse. I need the money back on my card NOW.

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 2018-05-03
Company: EQUIFAX, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2018, I sent a dispute letter to Equifax disputing the following accounts ( XXXX, XXXX, XXXX XXXX, and XXXX/XXXX. In my dispute letter, I asked for these accounts to be validated and Equifax is continuing to report unverified information on my credit file. As of this date, the following accounts have not been validated. Equifax had ( 30 ) days to validate this information, and they have failed to do that. Also, during the dispute phase, Equifax failed to put that these accounts were being disputed. They attached a statement for the XXXX & XXXX ( 30 ) days later. The XXXX XXXX account was never listed as being disputed. 

I also went as far providing proof, and I sent documents to Equifax in my dispute that I am a victim of Identity Theft, and Equifax failed to take my claim seriously. 

The unverified items listed above remain on my credit report is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After asking for proof of these accounts, I have not been provided 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, 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 for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumerand I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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: Problem with personal statement of dispute

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # 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 fumish a account without my written instructions 15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

XXXX XXXX Account open for more than 6 years, I contacted the creditor requesting a copy of my contract and payment history, they have no clipping of my name or the account I have requested an investigation by the agency for more than XXXX opportunities EXPERIA credit, which has not solved the problem of the elimination of the late payment or the elimination of the account completely. 

XXXX XXXX This creditor submitted late payments in the pandemic period of XXXX and XX/XX/2020, I contacted the creditor and they informed me that they would not make any report, I have litigated this late payment for more than 1 years with the Experian agency and without elimination results of late payment since it includes the federal mandate that no vehicle agency could report late late in the pandemic period. 

Also none of these accounts are reported in the other credit bureaus, only EXPERIAN failing to comply with a truthful and correct investigation keeps them in my records, for more disputes and tests that I have submitted.

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 2023-06-30
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
THIS HAS TO BE ILLEGAL GIVE ME MY MONEY I get endless and endless of emails asking for ID, Statements, And debit cards number ending in XXXX or deleted cards and deposit verification and second form of ID a utility bill I send them extreme documents over and over every day XXXX times a month for nearly a month I ever sent them the email confirmation of any deposit I ever made and they sent the same automatic message below, How in the heck can you refuse to refund someones money? After I have clear verification that the account is mines, Are you kidding me? I cant send any thing else thats all I have, I dont have XXXX bank statement yet because we are still in the month of XXXX but the email verifications and bank statements of owner ship is sufficient enough Message I send them asking to verify documents I sent in Requested information to reopen account XXXX XXXX XXXX  Bank statements For card number ending XXXX Please review documents for reopening of account This is what they send me after send XXXX documents Hi XXXX XXXX Thanks for reaching out. I'm sorry for the inconvenience of this situation. 

After a recent review of your account, weve found that it does not comply with the terms of the Deposit Account Agreement. Your account has been closed by Chime and is not eligible for a refund. For more information, please review the Amendment and Cancellation section of the Chime Deposit Account Agreement.

We regret any inconvenience this may have caused. Please let us know if we can assist you further or give us a call at XXXX Thank you, XXXX | XXXX XXXX XXXX This is a complete disaster

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: EQUIFAX, 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:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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 an account without my written instructions. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear TransUnion, I am writing to bring to your attention a matter of great concern after reviewing my recent credit report obtained on XX/XX/2023 through the authorized channel, XXXX. Upon examination, I have identified inquiries that appear to lack permissible purpose under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically governed by 15 USC 1681b.

As the credit report was obtained through the federally authorized XXXX, I believe that these inquiries may be in violation of the FCRA due to their apparent lack of permissible 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 2023-10-26
Company: Experian Information Solutions 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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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

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 2023-01-26
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:
As of XX/XX/2022, before and after I have submitted numerous request to verify and update data as stated on current credit reports. Despite this the complained of agencies continues to update and verify false and incorrect data as you will see on my most recent disputes / complaint ( attached is a copy ) of the hard copy sent to XXXX, Experian, XXXX and to guys concerning my 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 2018-10-24
Company: EQUIFAX, INC.
State: NJ
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:
EQUIFAX Placed an Unauthorized Hard Inquiry on my credit report without my consent from " Factual Data Inquiry from XX/XX/2018 ''. 
I personally called the Equifax consumer support to remove this Hard inquiry as i personally have not authorized anyone to pull the hard inquiry. 
They irresponsibly reply that they can pull hard inquiry when ever they want and that the consumer can not do anything about it. I did specify that what they did is not authorized per the financial laws, and the customer support representing equifax did not see to care and I did ask them where do i file complaint against EQuifax and they casually replied do a XXXX search. They did not give me this website ( XXXX ) information. 

Please help to work with Equifax to remove the hard inquiry on my report as Equifax doesnt seem to care and playing hard to work with consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 is one of my numerous attempts to alert credit bureaus to the fact that I have been the victim of identity theft and that I wish to inquire about specific data in my files that were obtained as a result of the crime. The paperwork I'm looking at has nothing to do with any purchases of goods, services, or cash that I've made or given the go-ahead for. Remove any information from my credit report that was allegedly obtained by fraud or extortion, assuming no one is looking. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, 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 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 2019-10-16
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:
I disputed 5 items that were not removed per 15USAC1681i6Biii they did not validate so they failed to comply with provision 15 USC section1681i ( a ) and have them removed from my credit report here are the 6 items 1.Account Name  XXXX XXXX Account XXXX XXXX {$10000.00} listed as charge off 2.Account Name XXXX XXXX Account # XXXX {$3100.00} listed as charge off 3.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} listed as collection 4.Account Name XXXX XXXX Account # XXXX {$9900.00} showing as balance 5.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} 6.Account Name XXXX XXXX  XXXX Account XXXX XXXX NEVER WAS LATE EXNOROUS ILEGALY CHARGES AND AMOUNT OF {$5700.00} SHOULD BE XXXX I MADE ALL 60 PAYMENTS ACCORDING TO CONTRACT SEE PAYMENT HISTORY

Company response to consumer: Closed with non-monetary relief