BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00} Equifax : XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance XXXX {$170.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$640.00} XXXX  XXXX Balance : {$0.00} XXXX : XXXX XXXX Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$270.00} XXXX XXXX XXXX Balance : {$170.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$640.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TD BANK US HOLDING COMPANY
State: AL
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:
Had made multiple purchases through XXXX XXXX from XXXX I had always paid on time and paid more than required and always paid off many months in advance. On XX/XX/XXXX I thought the account was paid in full. On XX/XX/XXXX, there was a balance of {$1.00} that I was unaware of. I was never notified of this till XXXX XXXX  XXXX I started getting calls three times a day from a TD Bank and they were robot calls. I did not have an account with TD Bank, so I kept trying to call back to see what this was all about and kept being hung up on. I paid the dollar and was never given credit for it. It wasn't till XXXX XXXX  XXXX that I was able to speak with someone and they said it was about my XXXX account being past due. When they told me that I owed XXXX and now it had late fees and interest now totaling over XXXX  XXXX dollars, I said I need to speak with a supervisor. Was placed on hold and told I had to pay or else. Then they hung up on me. I tried calling back with constant hang ups. The account finally was reported as a write off at XXXX. Since then, I have been deigned loan of XXXX and my credit cards interest has increased because of this. If you look at my payment history, you will see that my payment history was rates as exceptional. My score was over XXXX. At one time during this my score dropped to low XXXXXXXX XXXX. I always paid my bills and this is so unfair. I tried disputing through XXXX  and TD Bank said no. 
The documents that I scan is after I found out it was XXXX and signed into account to see the discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent a letter by certified mail to Experian to dispute an address on my credit report that isnt mine. Ive never lived at this address at all. They responded in writing on XX/XX/XXXX and did not remove the address stating that they got it from another creditor. How? If Ive never lived there, so Ive never used it on a credit application of any kind. They are the only credit bureau that Ive had issues with disputing this address situation.

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: EQUIFAX, INC.
State: MI
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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-10-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted Chase Bank about fraudulent charges made to my account. 

The charges made were : XX/XX/XXXX to XXXX XXXX XXXX for {$71.00} Then on XX/XX/XXXX to XXXX XXXX XXXX XXXX for {$71.00} Then on XX/XX/XXXX to XXXX XXXX XXXX for {$60.00} I have evidence of where I was on those days and that I never made any transactions involving XXXX management in three different cities. I don't know who or what XXXX XXXX is. 

I contacted Chase about the issue an was initially refunded the money before having the money taken back out of my account after the investigation was conducted. 

They investigation didn't include who the company was receiving the money and only commented on my card having a chip as if thieves aren't perfecting their mentors daily. I need my money and will cease to do business with Chase after this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
I asked for the removal of false information that another credit reporting organization had discovered and erased. 3 Credit Bureaus have disregarded FCRA rules and my request for verification because of your silence or a response that I consider frivolous. I need to amend my records and fix mistakes that 3 credit bureaus made. The objects are listed below : 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

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 2022-03-08
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I submitted a fraud claim at the end of XXXX I believe XX/XX/XXXX XXXX} was stolen from my account due to fraud I immediately called SunTrust when I found money was missing and open the claim they said that they would investigate the claim and provide me with a decision about two weeks later they concluded that they found no error. After calling and speaking to multiple representatives one explained that I needed to file a rebuttal form and provide proof which I did last week they finally refunded me my XXXX in the meantime due to not having my {$XXXX} in my account in XXXX through XX/XX/XXXX I incurred XXXX insufficient fun fees charged at the amount of {$XXXX} per fee some of these fees are duplicates from the same merchant multiple times and none of these fees wouldve occurred if Fraud was not allowed on my account or if a temporary credit would have been granted while they did their investigation or if they did their investigation correctly the first time. With all the fees Ive paid the money I had going in and if I had my {$XXXX} I never would have been in a negative state I have reached out to SunTrust now truest multiple times for an hour to two hours at a time each time they keep pointing the finger at a different department and nobody is providing me assistance.

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 2022-08-12
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

15 U.S.C 1681 Section 602 A states the right to privacy.

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 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 2023-09-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Credit reporting 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:
On or around XX/XX/XXXX my wife and I applied for credit at Toyota of XXXX ( Texas ) with salesman named XXXX who we specifically told we only wanted our credit ran once. Instead XXXX ran both of our reports a total of fifteen times with fourteen different banks. All of these hard inquiries resulted in both of our credit scores plummeting and not being able to qualify for a vehicle loan anywhere for years. 

On XX/XX/XXXX I decided to try once more with the same company because I really wanted a Toyota and unfortunately was given XXXX yet again as a salesman. I expressly told him very emphatically I only wanted my credit ran ONCE, but instead he ran it five times against my will further ruining my credit where I can no longer get a vehicle loan anywhere on favorable terms. I asked him and his general manager, XXXX XXXX to fix the problem but they refuse, even lying to me by saying all of the hard inquiries during a given period only count once, which I proved wrong by emailing them screenshots of my credit report clearly showing all twenty hard inquiries that were individually made by each bank they illegally submitted me to since XX/XX/XXXX. I have received no response from either of them. My credit is ruined because of their illegal and unauthorized actions which violate the Fair Credit Reporting Act. I would like justice to be served upon Toyota of XXXX, XXXX XXXX ( General Manager ) and XXXX ( salesman ) and all of the unauthorized illegal hard inquiries to be removed except for the ones that were legitimately allowed, which are two.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
On XX/XX/XXXX, I attempted to return a phone to XXXX for a refund. I received an e-mail from XXXX that the refund was denied because the box was empty ( which they had a picture of ). I called XXXX customer care and the agent reviewed the video and the shipping details and assured me that a refund would be provided because the shipping weight of the package showed that the phone was stolen in transit. On XX/XX/XXXX, I received an e-mail from XXXX saying they would not refund due to it being an empty box. I mentioned to them the shipping weight conversation, but they declined to refund and told me to file a claim with XXXX. When I contacted XXXX, they told me the payor of the shipping label had to file the claim. When I responded to XXXX with this information, they no longer responded. 

I filed a dispute with American Express with documentation that included evidence of the shipping weights. Despite this, American Express ' response was that I was responsible due to the empty box, and that if I had any proof I had shipped the phone, I should provide it. 

I reopened the dispute with American Express and once again provided documentation of the shipping weights. This time, American Express response was that I was responsible because the shipping weight was heavier than XXXX expected. This is in direct contradiction to the first response that it was an empty box! 

I reopened the dispute once again pointing out that these XXXX responses were in direct contradiction. American Express responded that I was responsible unless I had proof that XXXX had promised a refund ( alluding to the initial call I had with XXXX ). 

American Express did not investigate my dispute in good faith, and keeps changing what proof I need to provide, and has put the onus on me as a single customer to prove that I had returned the phone despite XXXX being a XXXX XXXXXXXX company that has the ability to file a claim with XXXX, and also the ability to track/brick stolen phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023, a travel provider charged my Chase Visa card XXXX XXXX  for a trip my wife and I are taking to XXXX for our 25th wedding anniversary. The dollar to XXXX  exchange rate on XX/XX/2023 was $ XXXX XXXX. At that rate, my credit card should have been charged {$8300.00}, but Chase Visa charged my card {$8700.00}. That is a difference of {$350.00}. I can understand Chase Visa charging me anywhere between $ XXXX {$100.00}, but {$350.00} for a no foreign transaction fee credit card? 

I have called Chase visa twice. The first representative told me there is nothing he could do about it and I needed to call the " Disputes '' department. I spoke with someone in the " Disputes '' department who said that he could dispute the charge with the merchant. I DO NOT have an issue with what the merchant charged. The merchant charged me exactly what they told me they would charge me. My dispute is with Chase Visa, which tacked on {$350.00} to a legitimate charge. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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 my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3500.00}

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 explanation
Consumer complaint received 2018-06-14
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert that this company has reported a collection account on my credit. 
I have not received a dunning letter or any type of communication regarding this debt. This company needs to follow the proper debt collection protocol prior to adding an account to my credit without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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 my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3500.00}

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 2023-07-07
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper aka Nationstar Mortgage sold my loan to XXXX but never forwarded my last payment to XXXX causing a default in my mortgage and false negative payment history on my credit report

Company response to consumer: Closed with explanation