BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-23
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I think this bank kept stealing from me. I got a California relief grant that just disappeared.

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 2023-02-02
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is solely aimed at the unprofessional, disgusting practices of TD Bank. They once again erroneously froze my joint account and took mine and my wife 's funds out, all of her funds due to some alleged garnishment in Virginia. 

Even if the garnishment was legal, in Florida, the most theyre allowed to take is up to 25 percent of the salary, but the truth is, she is also the sole provider for the child so they cant take anything!

What gives them the right to take all my wifes money and my money out of our joint account????? Theyre not allowed to take more than 25 percent, and since she's the sole provider for the child they aren't allowed to take ANYTHING under the Florida law.

The same thing happened last year and TD Bank apologized and released the funds. Apparently theyre doing the same exact thing again this year because they failed to train their employees on this issue! They froze my wife 's funds, took her checks. My wife 's accounts were suddenly put into XXXX, including my joint account that I have with her and its frozen because a collection attorney claimed that my wife owed around {$5000.00}. They created a garnishment summons out of thin air!! What is this based on? And what gives them the right to freeze our joint accoint and hit us with {$150.00} in fees? And what makes this even worse is that my tax return, in my name, is set to go into our joint account and they refuse to release any of it. Its my money! 

I don't know or understand why TD Bank is doing this when they even admitted that the attorneys behind this shady garnishment submitted the wrong paperwork the last time this happened, and that they also can not find the judgment. TD Bank once again refuses to put any of this in writing, they dont know what theyre doing and cant answer simple questions, which makes it even more shady. I respectfully request CFPB gets involved in this incredibly unprofessional business practice at once. The XXXX department needs to be trained better and TD Bank knows better.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12
Company: EQUIFAX, 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:
I am frustrated by the Credit Bureaus actions or rather not taking actions in order to correct my Credit Report. The Credit Reporting Agencies haven't done anything despite the multiple written letters and complaints submitted to them. I had high hopes that the Credit Bureaus would be generous enough to give a portion of their time to investigate and verify whether the information being reported on my Credit are accurate. The last letter I sent to the Credit Bureaus was last XX/XX/XXXX containing the same appeal to remove the items which I believe were the results of the Theft of my Identity. In my Letters, I informed the Credit Bureaus regarding the theft of Identity and that the items I am disputing were the results of such crime. I have also emphasized the Fair Credit Reporting Act section 605b ( 15 U.S.C. 1681c-2 ) whereas the Credit Bureaus are required to remove any items not later than 4 business days after the receipt of the previous letter dated XX/XX/XXXX. I was expecting that the Credit Bureaus would inform me regarding my disputes by responding to my Letters but I received nothing. More than a month had passed and I am still waiting for their response but it seems that the Credit Bureaus are the best in stalling the removal of my disputed items by not responding to my letters. I am utterly disappointed that the Credit Bureaus are not taking this matter as serious as I am. By submitting this complaint through the CFPB, I am reminding the Credit Bureaus of their responsibility to comply with the FCRA XXXX XXXX and remove the following items completely from my Credit File XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CO XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance Owed : {$51.00} XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: National Auto Lenders, Inc.
State: GA
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:
XXXX XXXX XXXX {$880.00} My social security number has been compromised and used as collateral BY XXXX XXXX XXXX and XXXX XXXX Please help me by deleting any negative items off my credit In accordance with the FCRA 15 U.S.C 1681 Section 602 A states I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$3100.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 XXXXXXXX, have 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 XXXX 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 2021-10-04
Company: CITIZENS FINANCIAL GROUP, 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: Account status incorrect

Complaint:
I. The month of XXXX I reached out to citizens bank to let them know I would be trading in my vehicle for a new one sometime during the middle of the month. On XX/XX/XXXX I actually traded in the vehicle and called them for the pay off and the pro rate amount. I also told the gentleman on the phone that I was trading in the XXXX XXXX 2017 he told me congratulations. About a week later I started receiving phone calls that I had late payments from citizens bank and I called their phone number spoke to a manager and they noted the account. Today I woke of to my credit score dropping 100 points I was so upset because I was transparent about the whole issue. I called XXXX XXXX and they told me the pay off was good till the XXXX of XXXX and didn't know why they did that and they actually tracked the check that was sent out on XX/XX/XXXX and told me it was arriving today. This is not how a company should handle things when myself and XXXX XXXX XXXX have told them this information. When I spoke to them they said they would back date and remove the charges and take care of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 commonwealth finance put XXXX dollars in collection for medical dept that IS NOT OWED the number associated is XXXX AND I HAD AND HAVE XXXX AND XXXX FOR THE LAST 5 YEARS SO NOTHING AT ALL IS OWED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I see this account has charge-off status and yet there is a past-due balance on your report. This account also is being reported with different payment history days between XXXX, XXXX and TransUnion.

Company response to consumer: In progress
Consumer complaint received 2023-08-18
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland credit management has a collection on my account in the amount of {$890.00} last reported XXXX XXXX and another collection in the amount of {$760.00} last reported XXXX XXXX. That account was sold by XXXX XXXX XXXX and they harass me daily and nightly from different numbers even after my number has been changed. I am not responsible for the accounts and I wish they would stop harassing me and sending letters. They refuse to remove it even after selling my information. I am not responsible for these debts and I have disputed them with no resolution. These companies continue to harass me and I dont know what else to do they are ruining my credit report and stopping me from moving forward with my life due to messing up my credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a dispute in on XX/XX/XXXX. I received a response denying my dispute a week later. I then mailed in a method of verification request for this dispute. The letter was mailed certified and was signed for on XX/XX/XXXX. I had not received a response within the 15 days required by law. Therefore, on XX/XX/XXXX ( over 30 days after the letter had been signed for ) I mailed in a letter demanding this item be removed since the FRCA had been violated. This letter was signed for on XX/XX/XXXX. They still have not removed this item or given me a response. The person on the phone told me they did not have to do this investigation. Completely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: CA
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 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

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 2022-07-27
Company: Penn Credit Corporation
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a debt collections notification XXXX from Penn Credit Corp. for an electrical service charge dated XXXX for a total of {$430.00} from XXXX XXXX in XXXX Texas. Billing Invoice # XXXX was made to XXXX XXXX giving an acct. number of XXXX XXXX ( Residential ). Address noted is XXXX XXXX XXXX XXXX # XXXX XXXX, Texas. First of all my name is mispelled. Correct spelling of first name is XXXX. Secondly, I have never lived or resided in Texas, nor any family member. I have never had any business association with XXXX XXXX, past or present. 

It was recommended by a XXXX Representative by the name of " XXXX '' that I file an identity theft report with our local police and also with you. 

I filed the police report with the XXXX XXXX XXXX XXXX XXXX XXXX yesterday, XXXX XXXX. Complaint # XXXX with XXXX XXXX XXXX # XXXX. I will not be able to obtain a written report of the claim until XXXX XXXX. They have copies of the original documents. 

The officer recommended that I obtain a credit report and review for any other potential fraudulent charges made in my name. I am in the process of following his instructions. 

I will have to go outside my residence in order to have documents scanned in order to attach to this complaint, if necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Myself and my family members have received harassing calls from this debt collector giving ominous messages about complaints filed in court and legal action to be taken. 

They refer to a debt that, as to my recollection, is from XXXX. I believe the " debt '' has been sold to several collection agencies throughout the years. However, I disputed this debt back in XXXX. It was a credit card opened by my significant other at the time who added me as an additional card holder. The debt had been removed from my credit report since then. 

Most recently they claim the debt is from XXXX and when I ask for proof they refuse to provide it and claim it has already been mailed to me. I inform them that I dispute it and even still, the statute of limitations has passed. They responded by telling me they will sue me in civil court for defrauding a financial institution.

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 2022-07-27
Company: Experian Information Solutions 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 

1.XXXX XXXXXXXX Account XXXX XXXX 2.XXXX XXXX  Account # XXXX 3.XXXX  Account # XXXX 4.XXXX 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 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2021-09-07
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:
Put in a Dispute for a fraud account with Experian. The customer service representatives, after calling twice ( XXXX & XXXX ) would not help and take care of this fraud account on my credit report. I have purchased fraud protection and other fraud products from this company to prevent this from happening as I have been a victim of identity theft.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : 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 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 2022-07-27
Company: Turning Point Solutions LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Im receive multiple emails and calls from advance capital solutions. The debt was included in a bankruptcy and my attorney has reached out the them to stop calling and emailing me. That message was sent on XX/XX/XXXX and then another request on XX/XX/XXXX. Today XX/XX/XXXX I got another call and email.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with Wells Fargo in XXXX and when my direct deposits came in they stated it was fraudulent and they closed the account and never returned my money. They I was told to bring in proof of employment from the company which I did and still nothing

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 2022-11-19
Company: EQUIFAX, INC.
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. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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. PLEASE REMOVE ALL ACCOUNTS LISTED BELOW IMMEDIATELY, THEY DO NOT BELONG TO ME. 

UNAUTHORIZED INQUIRIES FROM ALL CREDIT BUREAUS : 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  -- -- -UNAUTHORIZED ACCOUNTS NEED TO BE DELETED FROM MY CREDIT REPORTXXXX XXXX-ACCOUNT XXXX XXXX, XXXX XXXXACCOUNT # XXXX, XXXX-ACCOUNT # XXXX, XXXX XXXX-ACCOUNT # XXXX, XXXX-ACCOUNT # XXXX, XXXX XXXXACCOUNT # XXXX, XXXX-ACCOUNT # XXXX, XXXX # XXXX, XXXX XXXX-ACCOUNT # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXACCOUNT # XXXX, XXXX/XXXX-ACCOUNT # XXXX

Company response to consumer: Closed with explanation