BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: OH
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 went to my bank to get a loan to help my grandma and they did not approve me. I looked at my credit and I see some things on there that is not mine XXXX  XXXX XXXX, XXXX XXXX. Please help me with getting these items removed. I have contacted the FTC and local police.

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 2023-12-07
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I made a transaction to transfer money using Wise payments Ltd on XXXX of XXXX for XXXX USD ( converted into XXXX XXXX  ). Wise promised to transfer this money on XXXX XXXX but since today even after tens of emails and phone calls they have not made this transfer. Their customer support keeps on lying and delaying this transfer and are not providing any real proof from their partner bank that the money is sent to my account. They are keeping these funds to themselves since 22 days now and on complain they just tell its going through regular checks with our partner bank. They havent given any timeline on when the issue will be resolved. This is a big amount of money and livelihood matters on this as this money was going to be used to pay rentals and pay for monthly living expenses and make business payments. Wise works with complete impunity and keeps their customers funds to themselves and only send money when Business wise it makes sense to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, Toyota Financial Services ( TFS ) made an offer ( on a recorded line ) to give my family two months credit ( {$660.00} ) due to the Federal Government " Shutdown '' of XX/XX/XXXX and XX/XX/XXXX. To wit, my family and I accepted and have awaited the credit ever since. Today, at XXXX PST, Mr. XXXX ( I.D. # XXXX ) of TFS exclaimed that they will not honor this credit as they did not receive a signed note ( which my family and I did not receive in the mail no were we aware that we were to recieve, sign, and return such a Note ) to honor this agreement. Also, I, XXXX XXXX, have been taken off the account as an Authorized Agent on the account, leaving my wife, who speaks English as a second language to somehow negotiate with TFS in these matters. As a XXXX XXXX ( XXXX XXXX  ; CA # XXXX ), I consider this a " Switch-and-Bait '' tactic by TFS in order to lure my family into a false sense of economic security and not honor the " Government Shutdown '' credit arrangement which they recorded themselves to, '' honor. '' NOTE : TFS probably solicited several consumers with this offer and then withdrew it once their ( TFS 's ) internal quota had been reached. Again, this is likely a, '' Switch-and-Bait '' on a grand, corporate scale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am submitting this CFPB Complaint to demand your immediate attention to the erroneous information on my credit file, which is causing significant damage to my creditworthiness. It is unacceptable that despite my previous attempts to rectify the matter with both the credit bureaus and the creditors, the inaccurate information continues to be reported on my credit file. I have identified the specific accounts that require correction, and I demand that you conduct a thorough investigation and take all necessary actions to correct these accounts as soon as possible. It is your responsibility as a credit reporting agency to ensure that accurate and up-to-date information is reported on my credit file, and I will not tolerate any further delays or negligence on your part. I am reffering to the following accounts that have been reporting erroneoud information on my Credit File : XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$8300.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : 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 2022-03-20
Company: EQUIFAX, 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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Balance : {$620.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$620.00} ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} ; 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 2020-03-11
Company: Security Credit Services, LLC
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:
On XX/XX/XXXX I sent an email to Security Credit Services , LLC trying to settle a debt that I saw on my credit report for {$660.00}. On XX/XX/XXXX, I got a response from them saying that the debt was sold to another company. I then asked if the debt was sold, why it is still being reported to my credit. She then said that she requested that it be removed back in XX/XX/XXXX, and she will send another one and to give it 30 days for it to be removed from my credit. As of today, XX/XX/XXXX. It is being reported to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a corporate Amex card through my last company, when I left the company in XXXX XXXX I paid the balance and the card was confirmed closed by XXXX XXXX. Since then I continue to receive phone calls ( that start at XXXX, including on weekends, and continue throughout the day to XXXX any day of the week ) and now I'm getting emails about collecting on a past due amount for that card. I answer every call to explain the situation, every time the customer service person confirms the account was paid in full and closed, they assure me I will no longer get calls, calls haven't stopped nor have the emails. I report the emails to my email provider and try to block the senders to no avail. Recently, they have stopped responding when I answer a call, I'm sure my number is robo dialed then the rep sees a some kind of " DO NOT CALL '' message on my account and they hang up before speaking to me, but its just as harassing as them answering. How do I get this harassment to stop? I'm happy to sue if needed to get this to cease, I'm at my wits end. I have spoken to any department that will listen, usually they just dump me through a few departments and then I get hung up on, shocker, with no actual resolution. I also wrote to their " compliant '' department but haven't gotten a response. Help, I'm being harassed by AMEX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was unable to pay bills, do XXXX XXXX, do shopping, it caused me a lot of distress, I was unable to do grocery shopping, I was unable to buy food for other people that I had promised, since I wasnt able to buy groceries, this defended my character, it made me look like a person that has no money or brakes promises! I was laid on a few bills I was laid on my rent, I just left a lot of people, including myself very unhappy and very stressed out, I asked them what was going on was why wasnt I able to use my card and they gave me a lot of back-and-forth, at the end of the day I am only a consumer I dont have time for all of this and figuring out what U.S. Bank is doing, all I know is I deposit money in my bank and I want to use it they told me I had limits on my account Which they never told me that in the beginning of the process, they just flat out lied to me one minute they said that I had a limit on my account and I couldnt raise it until 12 months the next minute the representative told me that thats not true, but I still had limits on my card, it made me default on some payments. It made me go negative on some payments, and I owe because of that. They stopped my card too and made me go to the bank to get another card..I went and the tellers didnt understand why I needed a new one and there was nothing wrong with it! No one knows anything there! My cat XXXX could do a better job! This isnt right! People starved and looked at me like I was a no good liar..I couldnt cook XXXX they stopped my XXXX orders in mid route too smh

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 2017-11-20
Company: EQUIFAX, INC.
State: CT
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:
I disputed this information and it was removed.. However it has been placed back onto my credit report without proper notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: OneMain Finance Corporation
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
One Main Financial made hard inquiries on my consumer report with no specified reason on XXXX & XXXX. Did I give them permission? Absolutely, not! This is Aggravated Identity Theft pursuant to XXXX XXXX. One Main Financial transferred, possessed, or used, without lawful authority, a means of identification me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: DISCOVER BANK
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During the Covid19 pandemic, payments were suspended. I received no income during this time and notified my lenders, asking for a payment freeze. In spite of this, they still listed me late. I am appealing to have these taken off my account as they are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TSC Accounts Receivable Solutions
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We were notified on XX/XX/XXXX about a debt owed to XXXX XXXX XXXX XXXX XXXX for a service we received in XXXX XXXX Principal is {$500.00} and interest is {$130.00}. 

We would like to understand why we are being charged the interest if we just got notified, and why our insurance never told us they did not cover the service, so all this is new to us. Asked to the debt collector ( TSC Accounts Receivable Solutions ) but no answer has been provided yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Acct # XXXX XXXX XXXX Acct # 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 2018-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
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: Overcharged for something you did purchase with the card

Complaint:
XX/XX/2018 To Whom it Concerns, My Capital One credit card statement of XX/XX/2018 is incorrect by {$1600.00} plus interest! I contacted customer service in regards to this on XX/XX/2018. I did this when I made a {$500.00} payment on the account. The customer service representative XXXX ( XXXX ) said she would forward the information to the department that would correct the improper balance. She concured that the balance was improper. She could see that instead of a payment being reversed back to the account just one time it was incorrectly reversed two times back to the account. This was due to two different card numbers because I reported lost stolen and fraudulent payment made on my account. The same single account. I have never made a payment online!!!! I have only made all my payments from the same checking account. My phone was hacked!!! I reported right away and changed my password on my online account. I have had this credit card for several years now and I have always been responsible and obedient to terms and conditions. I also have no criminal record. I also have worked for a credit card company. I was told by the customer service representative that this statement would be corrected. She also did not inform me that I was supposed to write to capital one to report error in billing. Conversation was recorded and I spent 2 hours on the phone that day with the company. I was lied to by Capital Ones customer service representative and I was not informed proper on how to dispute the error in the billing. I want this corrected this is simple reading and math to correct this billing. I want all my interest for this mistake credited back for XXXX, XXXX, and XXXX statements. I have attached the statements of XXXX and XXXX. I also have enclosed a spreadsheet showing the improper calculation of statement. Please do the simple reading and simple math. I should not have to hire a professional accountant for a witness and an attorney to get this straightened out. This is horrible! 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, my former apartment complex ( XXXX XXXX XXXX ) placed me in collections stating that I owe them money. They sold the debt to a debt collector ( Ideal Collection ) and placed the negative account on my credit. 

I contacted both XXXX XXXX XXXX and Ideal Collection in XX/XX/2022. The manager at XXXX never responded to my email and Ideal Collection 'verified the debt '', without actually verifying it's accuracy. 

On XX/XX/2022 - I emailed the manager of the apartment complex again, outlining the errors in the final statement receipt that I had, showing that for 13 months, they collected my rent but left out the collection payment of {$75.00} a month for the water bill, every month they failed to document the water bill in their ledger. 

I believe that XXXX XXXX XXXX or the individual responsible for accounting, purposely left out the monthly {$75.00} in an attempt to steal it. In return, they claimed that I owed them the funds, but my rental payments on the ledger shows that they received my entire rent amount of {$2000.00} that included the {$75.00} for water. 

XXXX XXXX XXXX has now sold this debt to a Ideal collection and ILLEGALLY placed the debt on my consumer report, which has caused my credit score to drop significantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have wasted 3 hours today trying to cancel Experian Credit Report. 
The only option they give to cancel is via phone, and this is automated. 
I tried and tried and tried, and when I finally got through they said I didn't have an account with them. 
All I wanted to do was to cancel my monthly subscription of {$31.00} which is coming out of my XXXX card. 
So I called XXXX, and asked them to cancel it, on the grounds of not being able to cancel it is in fact fraudulent. So they then also tried and tried and tried to get through to XXXX on my behalf, but also couldn't get through. They as well became very frustrated. 
In my view, this is criminal, and should be illegal, to make it impossible to cancel a monthly service! 
I seek your help please. 
Thanks

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$27000.00}

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 2021-07-21
Company: Experian Information Solutions Inc.
State: IL
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 have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

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