BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 Write up n accordance with the Fair Credit Reporting act XXXX  Account # 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 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 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 XXXX XXXX XXXX XXXX XXXX Civil Court matter 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16
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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX   # XXXX** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I never received my " Mini-Miranda '' five days prior to placing this derogatory items on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX** is held liable as well, for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where any of these companies are in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. None of these companies has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

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 2022-10-09
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I initiated an ACH transfer of {$2500.00} from my TD Bank checking account to my XXXXXXXX XXXX checking account on or about XXXX XX/XX/2022. I got a " Transaction Complete '' message right away. However, I found out on or about the XXXX of XXXX that my online account was locked when I tried logging in. I contacted TD customer care on the XXXX, and a customer care representative told me that the transfer was marked suspicious and had led to my account being locked. 

After verifying my personal details as well as transfer related details, I was told that the account would be unlocked the next business day. 
I waited until XXXX XX/XX/2022, and my account was still locked. I contacted customer service again and after verifying my identity once more, I was told that the account would be unlocked the next business day and the transfer would go through. 

I waited until XXXX XXXX and still, nothing happened. I called customer service once more and expressed my frustration. After verifying my identity and other details one more time, I was told that the freeze on online banking would be lifted in a matter of 30 minutes and the transfer would be received on the other side in 2-3 business days. 

After waiting for ~7 hours, I called again and this time, I was told that I would have to walk into a TD branch to verify my identity for them to unlock online account. The representative told me that the nearest one was in XXXX XXXX, MD. This was physically impossible as I reside in XXXX, MN. The representative advised me to contact the branch directly to see if they could make an exception. 

I called the branch on XXXX XX/XX/2022 and the branch " supervisor '' was just as condescending. He told me that the only way to get the account unlocked was to walk into a branch. I was willing to send them copies of my documents in the mail and even provide additional verification over phone and email, but he did not accept any of it. 

It is a shame that TD continues to have such needless verification requirements of having to come into a branch when they don't have any branches in over half the country. My funds ( ~ {$5000.00} ) is stuck with TD and this is causing me great amounts of XXXX and XXXX 

I would like to request the CFPB to do whatever is necessary to help resolve this issue at the earliest and take action against TD Bank for causing great inconvenience to its customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: NJ
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:
I notified XXXX that under 15 U.S. Code 1681b - Permissable Purpose of consumer reports ( A ) In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other ( B ) in accordance with the written instructions of the consumer to whom it relates That I XXXX XXXX never have XXXX  or Equifax any written consent to report anything on my consumer report, no consent is identity theft. 

Concerning the accounts listed below as a consumer I am demanding a deletion of these accounts US DEP ED account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX  removed US DEP ED account XXXX XXXX but is still reporting XXXX XXXX account # XXXX XXXX XXXX account # XXXX And Equifax has yet to remove either all accounts listed in this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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: Didn't receive services that were advertised

Complaint:
I have audio recording from managers stating my information is not in their system. ( Their is no reinstallment contract ) They have no original signatures of mine. 

I have recently sent an affidavit to XXXX XXXX XXXX on XX/XX/2023, but despite waiting for 30 days, I have not received any response from them. I made attempts to contact them earlier to confirm if they had received my mail, but I was informed that I could not speak with them without legal representation. As per my understanding, an unrebutted affidavit stands as truth, and now that it has been 31 days with no communication from the company, the matter is still unresolved. 


I am determined to pursue the claims mentioned in my affidavit, and I am looking for guidance on how to take legal action against the company if they continue to avoid resolving the matter. It is imperative for me to seek a resolution to this issue promptly, and I am willing to take all necessary steps to achieve that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : 1. XXXX XXXX account ending in XXXX, which was charged off. 

2. XXXX XXXX account ending in XXXX, which was also charged off. 

3. XXXX account from XXXX XXXX XXXX ending in XXXX. 

4. Collection account from XXXX XXXX XXXX XXXX XXXX XXXX  ending in XXXX. 

5. XXXX account from XXXX XXXX  ending in XXXX. 

6. Charge off account from XXXX XXXX XXXX XXXX. 

7. Charge off account from XXXX ending in XXXX. 

8. Inquiries from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I believe these items are inaccurate and not reported in compliance with the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit reporting agencies are required to report accurate information and conduct reasonable investigations into any disputed items. 



I am disputing the accuracy of the aforementioned accounts as I have reason to believe that the accounts were not reported accurately. I have never held accounts with XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank, XXXX XXXX XXXX. Furthermore, I did not authorize XXXX XXXX to conduct an inquiry into my credit report on the dates mentioned. 



I request that you conduct a thorough investigation of these accounts and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a free copy of my credit report once the investigation is complete. 



Thank you for your attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions 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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : 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 2022-09-15
Company: RIA FINANCIAL
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Organisation name Ria money transfer XX/XX/2022 started a transaction foreign country waited for transaction to take place for four days there were no transaction made therefore ask for refund according to the website it could take 2 to 10 days the promise of two days its fraudulent in almost always take up to 11 days one mistake attempted to correct with the customer service they were polite but not helpful customer service refused to escalate the situation to upper management on two occasions transfer is for medical expenses creating a hardship for both recipient and the sender there were no ways of resolution of a simple mistake through this service. further customer would not know what transaction this service will keep holding to release five days. some transactions the service will release within hours, others they will choose to hold for longer periods not having a system that is informing a customer which one they choose to hold is a problematic on customer end that is what happened with me I was used to the releasing within hours of transfer and this time they refuse to do so this create major problems for consumers and win this occur they are not working with the consumer to help many customer service calls repeated same information refuse to escalate to get help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions 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:
In accordance to the Fair Credit Reporting Act : XXXX funding acct XXXX XXXX XXXX manage acct number : XXXX Both have violated my rights. 
15 us code 1681 section 602 A. States I have a right to privacy. 
15 us code 1681 section 604 A section 2 z. Says that a consumer reporting agency can not furnish any account information with out my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a car loan with Bank of America in XX/XX/XXXX and fell behind payments for several months due to illness. I called Bank of America in XX/XX/XXXX to requested car loan extension but got declined. They repo the car in XX/XX/XXXX. After that I never heard anything from them. The loan account info is no longer available on my online app ( that where I get the info from ). I never received any letter or phone called about the car loan debt and what they did with the car. Because I was home less and no job due to health issues. I made some money from XXXX XXXX XXXX on XX/XX/XXXX. Money deposited into my account on the XX/XX/XXXX and then Bank of America illegally took {$10000.00} from my account on XX/XX/XXXX without my consent. Because I never received any explaining letter, email, phone calls about the debt collection after they repo the car. The debt information is never available on online app for me to see. I talked to them on the morning of XX/XX/XXXX and asked them to return my money but they declined. Its illegal to take my money without my knowledge about the debt. I dont know how much they sold the car and how much I still owe them because I never received letter, email, phone calls or online app. I dont have a home that is why I cant receive the letter, I changed my phone number but I was updated on online app. They should send me an emails or provide the info on online app so I can see them and make an arrangement to repay. Its illegal to take money from me without my knowledge or consent. Please return my money and info me how much I owed and I can make arrangements to repay. Thank you 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 monetary relief
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I have a right to privacy and I never gave any one written permission to report these accounts on my credit profile XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-04-05
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/XXXX Purchased vehicle for XXXX, at interest rate of 19.35 % with sub-prime lender XXXX XXXX, located in XXXX Texas, Promised by finance officer that we would be able tor refinance, however actual value of vehicle was never the amount that was listed, and due to several mechanical issues, and failure with engine, it made it impossible to refinance this vehicle. 

Requested assistance XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and no options made available by XXXX and was told I would have to complete 72 payments on original contract and there is no reprieve that can be provided, even based on the current value of vehicle. 

Current vehicle is worth less than the settlement offer, they have received total payments in the amount of XXXX well exceeding the amount of the loan originally financed, and am hoping they will take the little amount I have and settle on this debt so i can move on with my life. 

This is a predatory loan, with no exit. Refinance, is impossible as it would require the difference of what is owed on this underwater XXXX. I have done my best to comply with the awful interest on this loan, despite now being qualified for better financing, and a better rate on a brand new vehicle, however the purchase of this vehicle and terrible interest haunt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete of the accounts listed IMMEDIATELY!

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: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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:
Im very troubled by my recent experience with Equifax about accounts appearing on my credit report. I have a mother who has XXXX and a child with XXXX.so Im a very busy man. I recently had some down time and sent my identity theft affidavit to equifax. However, when I refreshed my score this more I saw the accounts were still showing. As a matter of fact XXXX acct # XXXX is reporting twice Im requesting a removal of the accounts immediately Ive also attached a copy of my affidavit as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Hello this account was either drop from my credit report or discharge in bankruptcy I have not had a light bill in my name in ages this is fraud. 


XXXX XXXX XXXX Original creditor : COMMONWEALTH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
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 found accounts in my credit profile that are not mine. Also I found unknown inquires. I am very sad due to this fraud. They are fake accounts and do not belong to me. What to do? I can not move on at all now, could you please investigate and after you finish delete them and report Identity theft?

Company response to consumer: Closed with explanation