BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from : 1. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX**** Please remove the late mark on this account and update the status to current and paid as agreed. 




Please correct this with all haste. Thank you for your attention. I apologize for being so angry. This oversight on your part are causing me a lot of trouble financially.

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 2023-11-08
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX XXXXXXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX account to TD Bank at the instructions of the scammers. 
In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is a scammer or is involved in potentially fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: Paypal Holdings, Inc
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
First, how can you close a case without the main solution? I STILL CAN NOT LINK MY XXXX ACCOUNT TO PAYPAL!!! 

This is my third complaint within the month with PAYPAL I discussed this with XXXX  and determined the issue was with PAYPAL, and yet I receive a long response from XXXX  that does not solve the base problem. I have had my XXXX bank linked with PAYPAL for about twenty years. this was investigated and found no faults or issues with my account. PAYPAL upgrades and deletes my account. No matter how many times they notify me that that has happened, until they allow my bank account to be linked, the problem will continue. 

PAYPAY has my banking information. UNLESS THE RESPONSE IS MY ACCOUNT IS LINKED, I WILL CONTINUE TO SUBMIT COMPLAINTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: FC HoldCo LLC
State: NJ
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: Problem with personal statement of dispute

Complaint:
I contacted the creditors to request a settlement and they said they would accept half which was XXXX. I advised I only had XXXX and that it would take a few months to get the remaining balance but by then the tradeline would no longer be reporting due to it being over 7 years old. They declined. It still shows in collection status not charged off on my credit report. I filed a dispute a with XXXX and they would not honor the tradeline being over 7 years old and either remove it from my credit report or show as charged off.

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 2023-04-18
Company: Experian Information Solutions Inc.
State: WA
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-05-23
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My recent credit report a hard Enquiring by Experian on XX/XX/2023 which is inaccurate as I did not authorized it. I am out of USA when such unauthorized request was made reported by 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 explanation
Consumer complaint received 2023-04-18
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: AL
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 XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX 15 U.S.C 2681 section 602 A states I have the right to privacy.

15 U.S.C 2681 section 604 A. Section 2 : It arose states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section started no consumer reporting agency may make any consumer report containing any of the following items of my information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 Years.

15 U.S.C 1681s-2 ( A ) a person shall not furnish XXXX information relating to a consumer to any consumer reporting agency if the person knows or has reasons to believe that the information Is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: PA
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, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I fell victim to a horrific incident where I was XXXX XXXX, and XXXX assaulted by an individual wanted by the FBI. 

During the robbery, the perpetrator illicitly conducted bank transfers from my personal phone using the Chase app. 

Despite providing Chase Bank with extensive evidence, including official documents related to the case, they have refused to refund my money. 

Chase Bank 's reasoning for denying my claim is based on the fact that the transfers were authorized using Face ID. However, I was unconscious at the time, rendering their argument baseless and absurd. 

Regrettably, I find myself in a situation where Chase has declined to refund the funds that were fraudulently taken from my account. Despite exhausting all avenues within the fraud department and other conventional channels, including numerous hours spent on calls, my efforts have proved fruitless. 

The unauthorized transactions in question involve XXXX XXXX transfers made on XX/XX/2023, totaling {$4300.00}. These transfers comprised three charges from my personal account and XXXX from my business account. I have attached copies of the charges for your reference. 

Chase 's reasoning for refusing the refund is perplexing. They contend that, as the transfers were conducted via XXXX and authenticated with Face ID, they are absolved from responsibility. However, I have diligently provided them with all relevant documents substantiating the details of the case, to no avail. 

For your reference, the case has been assigned the following number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit 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:
Account paid in full monthly on time. 
Purchased air conditioner on Target Red MasterCard and paid in full before due. Payment was over {$10000.00}, and that is reason they must put hold on my credit card? Ive spoken to my bank ( XXXX XXXX, ) and they released funds XX/XX/31 ; day after payment was made to Target Card Service. 
My credit card had been denied for no reason and WITHOUT notification causing hardship and embarrassment. Completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Experian Information Solutions Inc.
State: SC
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:
There is an account on my credit report with at least 7 errors that I have been disputing. Experian sent me a letter today saying that they were not going to reinvestigate my dispute at this time. I have sent them all of the necessary proof of the errors and nothing has been done. My name is spelled incorrectly on the letter sent by Experian as well.

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 2020-09-02
Company: Freedom Mortgage Company
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I tried to refinance home through freedom mortgage and was told there is a lien on my home when in fact this is not true there was a stipulation during my divorce if I did not refinance there would be a lien put on but I in fact refinanced the home in the time frame I was given. when I try to contact no one seams to get back to me

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 2023-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Savings account
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Bank of america new york branch ( cfpb ) has two previous complaints about 2 banks ( 02 ) as second XXXX XXXX XXXXXXXX XXXX now running as old bank name also up dated by XXXX XXXX XXXX but no response XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Due to my all funds invested at XXXX XXXX XXXX, I have no doubt about savings but to date not up dating my funds balances with interests paid for by 2 banks each year? As a customer its a my legal, civil rights at OFAC, CFPB to find and sent me the up date.l.asap send me the response 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 2023-08-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This involves an altered and fraudulently cashed payroll check. Reported by me on or about XX/XX/23. The check was obviously altered, in fact unreadable, yet Citibank removed the funds from my business account. It has now been over 90 days since it was reported, all data has been provided. Case # XXXX. I have been refused reimbursement pending a response to Citibank fraud team from XXXX XXXX XXXX  which received the check. Citibank breached their duty to protect my account from obvious fraud. Just glancing at the submitted check it is obvious and impossible to make out the date, numbers or written amount, yet they took the funds out of my account. There is no way I could deposit a check written like this at the Citibank across XXXX XXXX as they scrutinize each and every check in a tedious process while I am making a merchant deposit, yet they allow a check like this and remove funds with no scrutiny. I want my taken funds returned to me ASAP. Many phone calls meet with no pro active action, other than they are waiting on something. The error was initially/principally theirs so they should make me whole first and foremost, then seek action against who ever they think was involved in this fraudulent activity. 

Regards, 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 explanation
Consumer complaint received 2023-10-21
Company: WELLS FARGO & COMPANY
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This month I got 5 overdrafts fee for a total of XXXX, when the amounts covered was XXXX . We are talking about 35 % profit for you. I fully understand and appreciate that you cover some of the automatic transaction, but when the covered transaction is bigger than XXXX the bank return it even when is an automatic monthly transaction, but for smaller amounts for streaming services and memberships the banks never returns. For example my gym is XXXX XXXX per month but wells dark charged XXXX, XXXX is XXXX XXXX  per month but the overdraft is XXXX . There is a systematic patter here of picking and arranging small amount transactions that represents a big profit for the bank in overdraft fees or am I wrong?. 
Im not sure how to interprtate the XXXX or XXXX XXXX  check ..I dont remember, that you sent me months ago because I qualified for overdraft adjustment

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 2023-04-17
Company: EQUIFAX, INC.
State: GA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Io, Inc.
State: VA
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 filling this CFPB complaint against RECEIVABLE MANAGEMENT since I am unable to get the expected result for the multiple disputes I am sending to them. I made sure to send another letter directly to RECEIVABLE MANAGEMENT regarding my dispute but I also wanted to make sure that my concern will be solved once and for all. The concerned account is REC MGM SYS ( Original Creditor : PATIENT FIRST ) XXXX This account started to show in my credit file in XX/XX/XXXX and I have been disputing this account ever since. But after a few attemps, this was removed from my XXXX and XXXX credit report. Now that this account is only reporting in XXXX  and I don't know how they continue to report this account as verified. 
1. The initial balance reporting for this account is {$920.00} but after this has been removed to 2 credit bureaus the balance was changed to {$300.00}. The balance being reported is completely different. This is from the same company and account number so how can the balance be changed if you are claiming the account as verified as accurate? 
2. From the initial report ( XX/XX/XXXX ) the balance was {$920.00} but the high credit in the report is only {$390.00}. I need to know charges or interest added by RECEIVABLE MANAGEMENT for this account to end up to the balance of {$920.00}. 
3. This account is reporting as fully verified then how did the balance change to {$300.00} on the recent credit report? No date of last payment reported in this account so please verify and validate why the balance that ends up now is {$300.00}?

4. This account was acclaimed by RECEIVABLE MANAGEMENT in XX/XX/XXXXand I know that this debt is completely older than that. This account is outdated therefore should be removed from my credit report due to the statute of limitations. 
I am attaching the screenshot of how this account is reporting in my credit report and how they continue to report this despite all the inaccuracies. RECEIVABLE MANAGEMENT and its continued report in XXXX is a big mistake. And I need it to stop. This is an inaccurate and invalid collection account that has been giving me a hard time improving my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: ENCORE CAPITAL GROUP INC.
State: GA
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: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation