BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was XXXX  in the XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. My information was used to establish these accounts by way of FRAUD! I have filed disputes with all 3 Credit Bureaus and contacted the creditors listed below. 1 ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$27000.00} 2 ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$2100.00} 3 ) XXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX With a balance of {$1600.00} 4 ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$2500.00} 5 ) XXXX XXXX XXXX  : Account # XXXX Opened on XX/XX/XXXX With a past due balance of {$820.00} 6 ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$18000.00} 7 ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$37.00} and a past due balance of {$32.00} 8 ) XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$280.00} 9 ) XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Opened on XX/XX/XXXX With a balance of {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Aspen Yo LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I lost my house to a fire on XX/XX/XXXX. Gregory funding mortgage company has had the insurance check for 5 weeks now and am still waiting for them to credit my account. I need them to do this so that I may sell property as is and find a new home. I had lived there for 24 years and I lost everything. I am retired XXXX XXXX XXXX XXXX, served XXXX. They need to finalize this for me. I would appreciate any help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: World Acceptance Corporation
State: TN
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, has violated my rights. 

1

5 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt IQ Data international is not mine it was a result of identity theft and was resolved and taken off my credit report 4 years ago. I need this off my credit report because it will cause me financial distress

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I made a payment to XXXX XXXX credit card on XX/XX/2022 from my Wells Fargo checking account. A few minutes later I called them back to cancel the payment, but the customer service told me that it was not possible and that I had to place a stop payment to the payment through my Wells Fargo checking account. On XX/XX/2022 my Wells Fargo account was overdrawn by {$4900.00} in the mean time I did not have any type of overdraft protection option to on my account to cover it.. Since I did not want the payment to go through I did not deposit the money needed to cover the payment. I waited for XXXX XXXX  of the morning of XX/XX/2022 and called Wells Fargo to put a stop payment to the payment of {$19000.00}. Wells Fargo customer service informed me that a stop payment is not effective when the payment is still pending, but since the payment had already dropped out of my account and the balance restored to positive, the agent was able to place the stop payment for future re-attempts. Since I had other payments and expenses the days following the charge I deposited money on XX/XX/2022 XXXX : XXXX XXXX  when my account was not overdrawn and that transaction was not in my account.. The same day in the evening I logged into my account and saw that they had paid the {$19000.00} for the charge that was presented a day before. I called Wells Fargo and told them that they had made a mistake by having paid a charge that was presented a day before. They apologized and assured me that it was mistake and that they needed to file a claim right away. A few days later I called to find out the status of the claim and they told me that the charge was authorized and they could not do anything even though I never disputed the charge as unauthorized but as a mistake of the bank, I even refused to agree to the disclosure they had read to as it did not apply to me as unauthorized charge dispute. On top of all that I was charged a {$35.00} fee for overdraft transaction fee which my account doesnt qualify for as it doesn't have overdraft protection option.

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 2023-06-23
Company: CORELOGIC INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested security freeze to be placed under my information and demanded that my personal consumer information not be shared with anyone, any person, and/or any company but it appears it is still being shared without my permission.

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 2022-06-01
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:
On XXXX I mailed off letters disputing negative information found on my credit reports. It's been more than 30 days and I still haven't received any information in regard to the the account 's disputed. I am aware that credit reporting agencies have 30 days to respond to disputes but Equifax has not followed up with me in a timely manner. Therefore I'm submitting this complaint in hopes to having my issue be addressed and corrected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am having a problem and issue getting my free annual credit report from XXXX XXXX, XXXX and Experian, I am entitled to under the Fair Credit Reporting Act ( FCRA ).

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 2023-06-23
Company: JPMORGAN CHASE & CO.
State: CA
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:
I was expecting a refund from a retailer to my newly open, but closed checking account. The bank forced me to close the account, but never said why. After weeks of not receiving the refund, I went the branch I opened my newest checking account. The banker filed a claim through the bank, and I was instructed that a credit would be issued for the entire amount of the refund. Instead, the bank used a portion of the claim/refund to pay off another unrelated chargedoff account. But I disputed the charges because I was in prison and did not make the charges. The bank never responded to my written dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was XXXX  in the XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. My information was used to establish these accounts by way of FRAUD! I have filed disputes with all 3 Credit Bureaus and contacted the creditors listed below. 1 ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$27000.00} 2 ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$2100.00} 3 ) XXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX With a balance of {$1600.00} 4 ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$2500.00} 5 ) XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a past due balance of {$820.00} 6 ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$18000.00} 7 ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$37.00} and a past due balance of {$32.00} 8 ) XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$280.00} 9 ) XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Opened on XX/XX/XXXX With a balance of {$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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-06-23
Company: CITIBANK, N.A.
State: VA
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:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

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 2023-12-16
Company: Experian Information Solutions 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:
Someone stole my ID and social security number and used it without my consent and knowledge. The person also received an XXXX XXXXXXXX XXXX  credit card in my name. I am writing to request and initiate a formal complaint against XXXX, XXXX, and Experian CRA & XXXX XXXX XXXX XXXX XXXX XXXX I mailed XXXX, XXXX, and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-03-17
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had this account since XX/XX/XXXX. The only time I have ever asked them for anything was when we were in a disaster zone due to hurricanes. Even then I took the bare minimum so I could get back to paying on my accounts as soon as possible. On XX/XX/XXXX my husband was having severe XXXX  pains. I took him to XXXX XXXX who refused to see him & referred him to the XXXX. I took him to XXXX XXXX XXXX XXXX. They did a XXXX XXXX  & determined he must be transferred for XXXX XXXX. He was transferred to XXXX XXXX XXXX where he remained. The surgeon is still trying to avoid the XXXX since its dangerous therefore he must have a XXXX XXXX  every few days & XXXX XXXX. I contacted Hyundai motors & asked to defer my payment. They said I could not because I already deferred a payment for the hurricanes. I did not even sign that form! It was an automatic deferral due to a federal disaster area or so they promised at the time. Now they claim that was my deferral & they cant help me. The only time I have ever missed a payment is due to the hurricanes. I have zero late or missed payments on any of my accounts therefore them refusing to work with me in a XXXX XXXX XXXX XXXX  is uncalled for. My account was perfect until this. All I asked for is to be able to defer the payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & get back to work. I asked for a supervisor who was also zero help. I can also mention theyve charged me for repairs due to their failures as well theres a recall on brakes yet they charged me hundreds to fix them I didnt file a complaint then although I should have.

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 2022-11-30
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: Investigation took more than 30 days

Complaint:
It has been Well over XXXX  Days since I asked for reinvestigation, I have not received a reply from you or any acknowledgment that an investigation has begun. 

I have yet to recive a copy of my signature to verify the accounts listed belong to me. 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX XXXX ( C.D. XXXX XXXX XXXX, 1995 ), you will be liable for your willful non-Compliance.

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 2023-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX, Bank Of America, XXXX XXXX have all closed/or denied me of opening accounts because of suspicious activity I have nothing to do with. Id like to open a bank account all banks are saying the same thing.

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 2023-01-05
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I have three accounts with TD Bank. In XXXX of 2022 I tried to cash a check from the XXXX  XXXX XXXX. TD explained they had to keep international checks for an amount of time. 

Three months later they called to say they had a policy of not cashing checks from any XXXX XXXX. The check now may be useless since it was held by them over ninety days. I have more than enough money in my three accounts to cover any problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-11
Company: EQUIFAX, INC.
State: NY
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 AM BEGGING TO REMOVE AND BLOCK THIS AS I HAVE CONSTANTLY REQUESTED THIS FOR SEVERAL MONTHS AND ASKING FOR IT TO BE UPDATED. IT'S REALLY FRUSTRATING NOTHING 'S HAPPENING FROM WHAT I DISPUTED SINCE THEN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: GLOBAL PAYMENTS DIRECT INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX someone fraudulently started online gambling accounts at XXXX XXXX and made 2 withdrawals for a total of XXXX from my bank account. I immediately noticed it and contacted the casino and my bank. I also filled a complaint with the Pennsylvania XXXX XXXX XXXX  who has reached out to the casino who verified the account was fraud and I am not liable for the debit anymore. I was told by the PA XXXX XXXX XXXX to contact the debt collection company and they will verify with the casino I am not liable for the debit and it will be removed. A police report was also filed on XX/XX/XXXX with the XXXX XXXX Police department for Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
I HAVE ASKED ALL THREE CREDIT BUREAUS FOR A THOROUGH INVESTIGATION OF MY CREDIT REPORTS AND THEY ARE STILL REPORTINTG INACCURACIES. 

I HAVE RIGHTS UNDERTHE ROSENTHAL ACT. IN ACCORDANCE WITH THE FAIR CREDIT REPORTINTG ACT, XXXX ( XXXX ) ( ACCT # XXXX, XXXX XXXX XXXX, {$12000.00} ), ( ACCT # XXXX, XXXX, $ XXXX A SCAM AND HAS BEEN ADDING INTEREST DAILY ; REPORTED TO FTC ) XXXX ( ACCT # XXXX, XXXX XXXX, {$5500.00} ), ( ACCT # XXXX, XXXX XXXX XXXX {$4800.00} ) AND AN UNKNOWN ( ACCT # XXXX, ORIGINAL CREDITOR, {$230.00} ) HAVE VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

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

I HAVE SUBMITTED A COPY OF MY FTC IDENTITY THEFT REPORT AND NOTORIZED POLICE REPORT TO EACH BUREAU IN 2019 TO NO AVAIL.

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