BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-29
Company: EQUIFAX, 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 accordense with the fair credit reportact, the list of accounts below has violated my federlly protection consumer rights to privacy.an comfidentiallity under 15 u.s.c 1681 XXXX  XXXX accout number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts has violated my rights 15 u.s.c 1681 sec 602a states i have the right to privacy 15 u.s.c 1681 section 604a states that a consumer reporting agency can not use account without my written instructions 15 u.s.c 1681 c ( a ) ( 5 ) no consumer reporting agencies may make any consumer report containing any of the following items of information. any other adverse item of information, other then records of conviction of crim which antedates the report by more the sevsen years. 
15 u.s.c 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information related to a consumerto any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: Self Financial Inc.
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: EQUIFAX, INC.
State: MD
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: FL
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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-03-21
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have used XXXX for a couple years. XXXX lets you do an instant transfer to your bank by charging a fee, or you can transfer to your bank and wait 1-3 days with no fee. I have used the instant transfer several times over the course of a couple years to transfer funds to my Ally bank account. Recently Ally made an update that they will not make the funds available from the instant transfer until XXXX, or the next day depending on what time the transaction was done. There was zero notification of this change. On XX/XX/XXXX I called because the transaction did not show up instantly as in the past and was told they were doing an update to their debit card system. She implied it was a temporary issue and only happened because it was being updated. So, I did not have access to my funds. That is perfectly understandable, and I am aware banks need to perform updates. On XX/XX/XXXX, I again did an instant transfer, and it did not post immediately. I again called and was told by a rep named XXXX that it was not a temporary issue and they had changed their system. I asked for a supervisor because I was stuck out of town with a health issue and needed the funds to be able to make it home. Even though they could see the funds had been transferred they refused to make them available claiming they would either be available around XXXX or the next day. When I asked since they have known their update caused an issue that had been going on at least 2 weeks why customers had not been notified. The supervisor, XXXX told me I had been sent an email which was a complete and total lie. There were also no notifications. The point of my story is they made changes that affect customers with zero notification and zero concern as to how it affects customers. I am not sure if they are trying to get the " float '' from delaying customer access to their own money or if it truly is just an update and will go back to being instant in the future. No other bank has done 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 monetary relief
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-11-24
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Notice is dated XX/XX/2023 from MidlandCredit.com -- notice is listed as 'Pre-Legal Notification ' Supposed debtor is called XXXX XXXX  XXXX XXXX XXXX XXXX : {$1700.00} Listed on notice : Midland Credit Management , Inc wants to work with you to resolve the above reference account. This letter is to inform you that MCM is considering forwarding this account to an attorney in your state for possible litigation. Please pay us at Midlandcredit.com or call XXXX no later that XX/XX/2023. If we don't hear from you or receive payment, MCM may proceed with forwarding this account to an attorney. 
We would like to make an arrangement with you to resolve the above referenced account using the following : Bi-weekly payments as low as {$25.00} continuing until paid. 
Sincerely, XXXX XXXX XXXX XXXXXXXX Midland Credit Management , Inc XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My checking account with JP Morgan Chase Bank has received {$30000.00} wire transfer on XX/XX/2023. Then the sender accidentally disputed that wire transfer with his bank, XXXX XXXX, on XX/XX/2023. According to him, he realized that he disputed the wrong WIRE transfer and he cancelled his recall request on XX/XX/2023 and XXXX XXXX ( his bank ) closed the case. However, my bank, JP Morgan Chase, out of nothing, restricted my account on XX/XX/2023 due to this WIRE dispute and set closure. JP Morgan Chase Bank wrongfully restricted and closed my account on XX/XX/2023. XXXX XXXX even sent a second message on XX/XX/2023, saying that the WIRE transfer was approved, legitimate and not a fraud. XXXX XXXX basially cancelled their recall, again, on XX/XX/2023. 

JP Morgan Chase bank has returned the remaining balance in my account as cashier check on XX/XX/2023 but they are still holding {$30000.00} and giving me no update, nothing. 

As a matter of fact, I couldn't pay my bill due to sudden account restriction and paid penalty fees all over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dcb cashed a unauthorized check and will not return monies ( {$250.00} ) to our account. Said its in the hands a FlagStar who will not responde to us. Check cashed XXXX XXXX  and have made numerous attempts to settle this matter. Now our branch DCB XXXX, XXXX  will not answer my calls.

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 2023-11-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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:
Experian, XXXX and XXXX all are reporting unauthorized inquiries on my credit report. I did not authorize these companies to put an inquiry on my report and I do not know how these companies got my information. I need these inquiries removed immediately. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: In progress
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 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 2020-01-10
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello, This is regards to a credit account I have with TD Bank using their Myonlineaccount.net website access. This platform is antiquated, limited, hard to use, and very difficult to properly set up automatic payments. It was difficult to set up an initial user name and password on their site to even begin making a payment, but I was able to set this up and make payment with a significant amount of difficulty. I believe that they purposely make this difficult to access online services to make payments on time and force members to incur late fees. 

On XX/XX/2019 I was waiting for my new card payment to clear after trying to set up recurring payments the prior month. The due date for the payment was the XXXX and unfortunately, the payment did not initiate. I immediately made payment on the XX/XX/2019. The payment cleared on the XXXX. However, I was assessed a {$27.00} late fee. 

Again, I tried to set up recurring payments so that I would not get any more late fees. I have good credit history of making my payments on time. Unfortunately, the XX/XX/2019 payment did not initiate and TD Bank assessed another fee in the amount of {$38.00}. 

I called to speak with them and they would only refund the {$38.00} fee. I asked that they refund both fees because I tried multiple times to set up the recurring payments. They make this system difficult to use on purpose which I believe caused this issue. I have many other accounts and have autopay set up on those with other banking institutions without any issue. The user interface for their page is not friendly and can be confusing. 

I spoke with an agent on the phone and eventually asked for a supervisor. The agents response was that she could request a supervisor but could not guarantee how long I would be on hold until they would take the call. I felt I have being put off and pressured into getting off the phone. I said I would wait and a few minutes later the supervisor answered. She said that I had paid late and they could only waive 1 fee as a courtesy in a 12 month period. I stated that the {$27.00} fee in XXXX should not have ever posted to my account because I tried to set up recurring payments and that when the payment did not initiate that I paid the immediate following day. She stated that I paid late and that the fee could not be reversed. She could only refund the one fee. I do not recommend TD Bank or their user interface through the Myonlineaccount.net page.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a phone call from a gentle man calling me. The man called me and said XXXX as I asked who's this, the man tried to act as if he knew me, and we were friends. Then proceeded to tell me about a balance I owed. I ask for him to send me information on what he stated I owe. I got upset due to the gentleman never said the XXXX prior to his initial contact with me. I then went online and sent compliance an email. Couple days later the supervisor called me very unprofessional stating I asked her to call me. As I proceeded to tell her my concerns the conversation didn't end well, and supervisor hung up. As of this day the company still has not validated this debt and have yet to explain the call received from the rep pretending as he knew me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
USAA refunded a portion of an active automobile insurance policy that I havr paid for in full for a XXXX month duration in order to cover a credit card debt that was about {$500.00}. They provided no warning in advance that they would cancel a contractual and legal automobile policy to satisfy a small debt. I am permanent and totally XXXX as determined by the VA. 

Unknowingly, I was aware that I was without coverage since the close of XXXX, 2022. Should I have been in an accident escorting my pregnant wife and children around everywhere, I would have been without coverage. Was this really worth around a {$500.00} charged off credit card? And, I was given no notice. 

USAA effectively, deliberately, and carelessly endangered my family. I believe they are in violation of several Hawaii Revised Statutes and would have been responsible for the administration of such violations of law for improperly notifying me of any of this and taking such darastic measures. They seemed to have filled my shoes to break the law for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

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 2023-11-24
Company: Experian Information Solutions Inc.
State: FL
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX 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 response to consumer: In progress
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hello, My name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft and I did not make the charge. I am trying to get a new card and these items reported wont get me approved. I am asking the items be deleted to correct my report. I have reported the theft of my identity to the Federal Trade Commission and I also have enclosed a copy of the Federal Tade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2023-11-24
Company: Experian Information Solutions Inc.
State: PA
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 am exercising my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ) to dispute and request an investigation into the accuracy of information on my credit report. 

Account Name XXXX XXXX Account # : XXXX Account Name XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXXXXXX XXXX Account # : XXXX

Company response to consumer: In progress