BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-13
Company: TD BANK US HOLDING COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
1- On XX/XX/XXXX transaction amount of {$330.00} at XXXX XXXX 2- On XX/XX/XXXX transaction amount {$140.00} at XXXX XXXX # XXXX 3- On XX/XX/XXXX transaction amount {$14.00} at XXXX XXXX # 12 On XX/XX/XXXX I noticed these fraudulent transactions and reported these fraudulent transactions to TD Bank Ph. # XXXX, got my card blocked .I was told the complaint would be investigated On XXXX I received a letter dated XXXX, showing my complaint as case # XXXX from Dispute Resolution Department of TDBank stating that chip was used for these transactions and since the card was with me all the time, they could do nothing about it and that I was responsible for payment of these transactions. 
I called TD Bank # XXXX on XXXX and contested the decision.I assured the Bank time and again that the card was with me all the time and I had never made the three transactions. I was told that they would open this matter again for investigation which would take 60 days. 
On on XXXX, I noticed a late fee levied for these transactions.I called Dispute Resolution Department on XXXX again and reported the matter.I was told that my complaint on XXXX was not showing on their system and no action had been taken.My call was transferred to customer service, from customer service I was transferred to Credit card services and then back to Dispute resolution department where I was again told that chip had been used and since I had stated card was with me all the time I was responsible for these transactions. 
On XXXX I sent emails to XXXX and XXXX about this matter and that I was being held responsible for these fraudulent transactions and forced to pay.This email was forwarded to Chairmans Service center for TDBank.I received a call from this office from # XXXX on XXXX and was informed that they will look into the matter. 
On XXXX I received a call from Chairman Service center, ph # XXXX Informing me again that since chip has been used I am responsible for these transactions In spite of my repeated statements that I had never made these transactions nor anybody else did it on my behalf and the card was all the time with me, the bank refused to accept my statement and I was repeatedly told since I was in possession of the card I was responsible for these fraudulent transactions.I told them that my Bank profile information/ID could have been compromised in the bank, card made and used to make fraudulent transactions in my account.I explained to them that I have been using this card since XX/XX/XXXX and have been paying for transactions on time and without incurring any late fee or fines. 
I had no other options left other than approaching CFPB to get this matter solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I waited over 1 year to request a line increase on my Apple Credit Card, last requested increase was XX/XX/XXXX. Payment was made on XX/XX/XXXXXXXX  to Apple Credit Card. Payment applied on XX/XX/XXXXXXXX  and funds left checking account on XX/XX/XXXX. Credit Card was paid off in its entirety. Credit Line increase was requested on XX/XX/XXXXXXXX  to help raise credit score and credit line. Line increase was declined due to previous payment not being a " significant portion '' of loan balance per Goldman Sachs. Card was paid to {$0.00}. Supervisor named XXXX advised myself that the payment was delayed on Goldman 's side. Payment was then applied on XX/XX/XXXXXXXX  on Goldman 's end, manually by XXXX. XXXX advised decision is final and can not be updated, I need to wait an additional 180 days for another credit line increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: AL
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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-04-27
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Old information reappears or never goes away

Complaint:
TOYOTA MOTOR LEASING-I call them to pay or make settlement on balance due and they said account was sold to collections agency but have no info on who it was sold to. No one will contact me to resolve. Balance on credit report shows i have an active balance but it was sold to collections agency shouldnt have a current balance. Requesting to be deleted or updated and i wish to make payment to close it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX XXXX posted to my checking account a withdrawal from PAYPAL in the amount of {$31.00} to *rgergree XXXX. 
On XX/XX/XXXX XXXX posted to my checking account a withdrawal from PAYPAL in the amount of {$46.00} to *rgergree XXXX. 
I called PAYPAL ON XX/XX/XXXX. I was told someone named XXXX XXXX used my account to pay funds to himself using my account. I told them I do not know XXXX XXXX and did not authorize any payment. PAYPAL also disclosed that another email was set up that was not my email. My email is XXXX, the email used was XXXX. 
I received an email from PAYPAL dated Sat. XXXX XXXX with CASE ID XXXX. 
The email stated the transactions were denied. 
The transaction ID # XXXX and transaction ID XXXX. 
I called PAYPAL to find out when I would receive the refund since the email stated the Transactions were denied. PAYPAL stated that meant the refund was denied. PAYPAL stated that they had contacted my bank and that my bank authorized these transactions. I requested proof, PAYPAL could not provide proof, I requested PAYPAL stay on the line to speak with my bank on a XXXX way call, I got my bank on the phone, PAYPAL hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: ERC
State: PA
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 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 states a consumer reporting agency can not furnish a account without my written instructions. I filed a dispute with experian the amount is {$380.00} and was reported on 4/27/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
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:
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 XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A copy of this same complaint was sent to Sunrise Collection and now to your agency, XXXX and the Consumer Financial Protection Bureau. Sunrise Collection insists on an XXXX XXXX XXXX XXXX account in my name with a XXXX, Indiana address although I have absolutely no knowledge of any such account as I have never been to Indiana much less lived there. Despite repeated efforts to explain this to Sunrise Collection they insist this account was opened XX/XX/XXXX reaching collections on XX/XX/XXXX. If fraud, they can not re-open the account and urged me to contact the three credit agencies to achieve a correction and then they hang up on me. Only XXXX has declined to clear my record and restore my credit rating as you wrongly refer back to Sunrise which provides the same false information. Beyond repeating I have never had an Indiana account or lived in that state I have no understanding of what other proof you seek. Clearly, Sunrise, as a collection agency, seeks only collect money irrespective of the truth.

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 2021-06-20
Company: EQUIFAX, INC.
State: AL
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:
Yes my name is XXXX XXXX I submitted an FTC report to Equifax about the fraudulent accounts name XXXX XXXX. They investigated the accounts and it was removed XX/XX/2021 and name the account reappear back on my credit report XX/XX/2021 I am a victim of identity theft and I want to report Equifax for allowing this account to reappear after I provided them proof with a FTC report that the account Security finance is not mines and that its fraudulent something need to be done or I am gone get me a lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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: Their investigation did not fix an error on your report

Complaint:
Experian Dispute of Bankruptcy Ref # Ref # XXXX XXXX ) 1st dispute ( Verified ) XX/XX/2022 XXXX ) Request of verification XX/XX/2022 - Response by Experian Verified via XXXX Request for investigation with XXXX resulted in Deletion from report as Unverified XX/XX/2022 XXXX ) Re-dispute with Experian ( Verified XX/XX/2022 )

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial XXXX when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-10-31
Company: EQUIFAX, INC.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX. XXXX, XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX. XXXX, XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on  XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : 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 alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physicalVerification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the bureaus but they did not remove them, not prove validation. 
XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : 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 2023-02-02
Company: Affirm Holdings, Inc
State: NJ
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:
I see a lot of account and inquiries on my XXXX credit report I got off a call with XXXX  fraud department and they recommended to file this complaint here

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I would like you guys to remove these inquiries that was placed fraudulently on my credit report because it is hurting my credit score. 

Acc name : XXXX XXXX inquiry date : XX/XX/XXXX Acc name : XXXX XXXX XXXX  XXXX XXXX inquiry date : XX/XX/XXXX Acc name : XXXX XXXX XXXX XXXX inquiry date : XX/XX/XXXX Thanks in advance

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 2023-09-06
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an letter from the resurgent capital services company that was supposed to verify debt but the letters do not include An end date for a 30-day period when you can dispute the debt it also doesnt mention That you can dispute the debt and that if you dont dispute the debt within 30 days the debt collector will assume the debt is valid they also dont have the full account number only the last four digits

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XX/XX/2021, I switched my cellular XXXX to XXXX. At that time, they created duplicate accounts due to their own system errors. I was unaware of this duplicate account until later. Several attempts to correct it were unsuccessful over many months and XXXX reported the account to the credit agencies. XXXX has since admitted their mistake and pledged ( via written letter to me ) on XX/XX/2021 that the account would be completely deleted from all credit agencies. In addition, I have submitted multiple disputes with the credit agencies. Those disputes were closed with the result saying that the account was verified to be accurate. As of today ( XX/XX/2021 ), Transunion and XXXX both still show the mistaken account 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 2022-06-04
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed the debt with ERC and yet they are still claiming they are trying to collect on behalf of a creditor to whom I allegedly owe more than {$400.00}. This information is false. They have reported this to the credit bureaus.

Company response to consumer: Closed with explanation