BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$62.00} ; DEPT OF EDXXXX XXXX Balance : {$1100.00} ; DEPT OF EDXXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$1100.00}.

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 2022-05-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Td bank!!! 
I have been complaining twice about their last overdrafts fees and how I have been charged even I deposit a money via wire transfers and the said they I need to deposit cash or check instead of wire or Ach. 
The problem didnt get fixed so I opt out for overdraft protection in XXXX and I have been charged more than {$700.00} for just unreal causes that they need cash deposited instead of Ach or wire transfers which for me as a client doesnt make a sens since I m a small business and most of the funds are either transfers or Ach wire transfers not cash. 
This time they been charging me overdraft fees even they didnt pay anything at all. Just to present a payment and reverse it back they charged me 6 times unreasonable fees. This is called a robbery in a legal way, I called them and a lady told me they cant do anything about it because they give me back 5 times overdraft fees this year!!!! 
I need my money that I earned hard, and for me this a high way robbery in a legal way or what??? All Im asking here is a justice and explanation how you charge me a fees for something you didnt pay

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
My name is XXXX XXXX, I came into settlement of the debt to {$9400.00} which I was making every month until their system locked me out without allowing to rreset the account. I called the debt collector to asked what happened and I was told that the lawyer handling my account died and they will get back to me. I never receive any phone call or mail neither email. They went as far as reporting to my employer to garnish my wages, The law offices of XXXX XXXX representing THE BEST SERVICES NEVER CONSULTED ME. The court case is XXXX. XXXX SUPERIOR COURT XXXX XXXX DISTRICT gave a judgement against me without any further or previous consultation with the law firm. They could have contacted me to assign a new person to me to handle the collection of debt.

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 2023-06-21
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management has been relentlessly calling me on my mobile phone for a debt I do not owe. I have told them they are calling the wrong number but continue to call me and bother me. They have been calling me from several different phone numbers. I have reported them to the FTC and tried to block them, but they won't stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I was XXXX XXXX on XX/XX/XXXX I do not know anyone who use my account and open credit cards in my name without my consent and I just been released I'm XX/XX/XXXX so ID could not make any open or any accounts in my name and these people are someone is trying to make false credit card statements in my name and I don't like that I'm trying to take

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 2019-01-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Chase Bank NA, after having subjected me through a long & detailed application & qualifying processes, has finally & officially approved the Chase Ink Business Cash Credit card & physically sent to me, as attached. 
However, when I use the card, I was informed that the chase bank staff had unilaterally locked the credit card & close my account without my knowledge & conscient. In fact, the Chase bank staff has committed a gross mistake & error of locking & closing of my credit card n its account, after it has been officially approved by Chase Bank n sent to me. In no uncertain terms, I did not inform Chase to close my Credit Card whatsoever!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: VA
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:
To whom it may concern, I wanted my credit report to show only what's correct and accurate. However, I still see those same negative accounts popping up on my files over and over, despite disputing them with the consumer reporting agencies since XXXX. There's even one negative account that's already been removed in Experian but is still showing up in XXXX and XXXX. How did they miss that information? The fact that they were all reporting to one furnisher of information This incoherent report from them is disheartening on my part because it has lowered my credit scores.

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 2023-06-21
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I went to the ATM at the US Bank located in XXXX XXXX, CA on XX/XX/2023. I requested {$300.00} from my account at this ATM and the money was not disbursed. I went into the Branch and they told me that it was not there ATM and that I need to file a complaint with my Debit Card company which I did that same day. I furnished them with a copy of the receipt and they took the dispute and then I got an email stating that it would take until XX/XX/XXXX to process. I received a letter that was sent out on XX/XX/XXXX with claim number XXXX stating that they had research to problem and that they found no evidence that the funds were not dispersed. I am not sure why they took so long to balance the ATM for errors and the ATM also has a camera that they could have viewed of the transaction showing that I did not receive the funds. I call Netspend ( issuer of the debit card ) and they said that I could place another dispute which I did. I never recived the {$300.00} and feel that they have taken my money without any valid reason. I have attached a copy of the receipt from the ATM. I have also attached the letter from Netspend dated XX/XX/2023. I only had one withdrawal that I am disputing. I am not sure why it is showing 2. I did have 2 withdrawals from ATM on same day and it was ok.

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 2022-05-05
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 DEPTEDXXXX Account # XXXX, has violated my rights. 

Secondly, in accordance with the Fair Credit Reporting act 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 2023-09-11
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please my reputation is destroyed because of this

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 2023-06-21
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Was contacted via landline and cell on XX/XX/2023 and by cell phone on XX/XX/2023 by a company called Credence. My complaint is that I never received a written notice from Credence describing the debt or identifying their company as the debtor. The company initiated collection calls without sufficient notice. 

I answered the call on XX/XX/2023 and I did in fact notify a representative that I needed proper written notice establishing them.as a debt collection agency and a written notice describing the debt before I would entertain any phone contact whatsoever with said company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
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 DEPTEDXXXX Account # XXXX, has violated my rights. 

Secondly, in accordance with the Fair Credit Reporting act 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 2020-06-05
Company: EQUIFAX, 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:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 
CHAPTERXXXXBANKRUPTCYDISCHARGED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE DELETE ALL THE INQUIRES XXXX MY ACCOUNT ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05
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: Old information reappears or never goes away

Complaint:
This account has been on my report since 2008. Remove the tradeline. Im tired of this being on my report for know reason law says 7 yrs. And it has been 7 yrs. XXXX XXXX is the worse vehicle loan company. No where in my contract did it say that if you sell the vehicle at YOUR WILL am i responsible for the balance. I will continue fighting this until resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Associates, in various communications have threatened to harm my credit. 

I notified Portfolio Recovery Associates that they are reporting LATE PAYMENTS on my XXXX  credit bureau. 

Collection accounts can not be reported as " LATE '' This is false and untrue. 

When I communicated to Portfolio Recovery Associates that Collection accounts can not be LATE, they threatened to further harm my credit. 

While this alleged debt has NOT been VALIDATED, and I do not agree it is mine, I did call the Two credit card companies, where the debt buyer, supposedly purchased the debt. 

I wrote Portfolio Recovery Associates, that when I contacted the Two credit card companies, they told me, that for the past 10+ years, they have included ARBITRATION Clauses in all agreements. 

Since that is the case, I have NOTIFIED Portfolio Recovery Associates, that they must INITIATE ARBITRATION, as per the credit card company agreements. 

Portfolio Recovery Associates has REFUSED to initiate ARBITRATION. 

I have contacted the LEGAL DEPARTMENT of Portfolio Recovery Associates, and written that both XXXX  XXXX and XXXX, have the ARBITRATION CLAUSE. 

The CFPB must ENFORCE this immediately. If within 5 business days, Portfolio Recovery Associates refuses on its Mandatory Requirement for ARBITRATION, they must delete all ITEMS from my 3 credit reports. 

I await their reply. I am waiting for them to INITIATE the ABITRATION, or make the deletions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: NV
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:
It has come to my attention that your organization has, in a manner that can only be described as gross negligence, failed to block a fraudulent account on my credit report despite ample evidence and repeated attempts to rectify this situation. Frankly, I am appalled by the incompetence displayed by your organization in handling this matter. 
XXXX XXXX XXXX XXXX I have been a victim of identity theft, and it is well-documented that this fraudulent account is causing severe damage to my creditworthiness. I have repeatedly submitted the necessary documentation to prove the fraudulent nature of this account, yet your investigation has been nothing short of lethargic and agonizingly slow. 
This is not a matter that can be brushed aside or treated with indifference. The presence of this fraudulent account on my credit report is jeopardizing my ability to secure loans, obtain credit, or even access essential services. It is causing me unnecessary stress, XXXX, and financial hardship, all of which are entirely your fault due to your inexcusable delays in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Bread Financial Holdings, Inc.
State: MO
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: Billing dispute for services

Complaint:
I payed my monthly payment early that was due on XXXX XXXX. And they are posting on my account that Im late. I payed {$200.00} more than the minimum due and the amount was posted and deducted from my checking account on XXXX XXXX. This could affect my credit could you please have them correct this. I have proof and documentation from my bank. This is a revolving account with Comenity Capital/XXXX XXXX patient solutions. here is the contact number XXXX and the account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-28
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have gone through all three credit reporting companies : XXXX, XXXX and Experian. I have disputed all NON ACCOUNT HOLDING HARD INQURIES. Their response to me is " in the state of Michigan we do not have to investigate or remove them if you tell them they are not authorized ... '' I asked them if they have proof of my signature on file within their building and they just blow me off. They told me " I have have to contact each and every company on my own ... '' And so I have. Attached you will see all companies and correspondence if I have heard back from them. Still, with NO PROOF OF SIGNATURE STATING I REQUESTED CREDIT FROM THEM WITH MY HAND WRITTEN SIGNATURE-anyone can sign on to a computer and say they are me-THEY REFUSE TO DELETE THEIR INQUIRY '' XXXX XXXX has been the WORSE! I don't hold an account with them. I would never inquire to have an account with them and still they insist they do not have to remove my inquiry. 

I want all inquiries NON ACCOUNT HOLDING removed or I want XXXX per offense for defamation of character and for breaking 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 explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX  XXXX XXXX sent a incorrect credit file to my credit report resulting in damage to my credit score ( inaccurate late payments and other information ) I have never been late and have the statements to prove it ( XXXX  is XXXX credit card ) They have not corrected the issue Transunion has not corrected the issue Neither have the other credit bureaus Even with sending in evidence including my credit card statements and a email stating they sent the wrong file they sided with a incorrect report even with the evidence The companies are not investigating properly causing damage to my credit report

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