BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-12
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This happened to me with TCF. I was in possession of my ATM/Debit card at the time of both incidents. On XXXX, a ATM withdrawal for {$200.00} was taken from my account. The next day, WHILE I was at the branch filing a fraud report, another {$200.00} was taken from my account, while the Assistant manager was looking at my account. It seemed like it was obvious that there is fraud involved. She filed the second claim. Today, I was notified that both claims were denied because " I let someone have my card and PIN ''. In the branch today, I was told that they were " re-filing '' the claim and that the decision is not up the branch. In short, the thief has my {$400.00}, I am out {$400.00} ( the two withdrawals plus two ATM fees ). The thefts happened on XX/XX/2019 at XXXX XXXX and XXXX XXXX XXXX. I reported this to the TCF Branch at XXXX XXXX XXXX inside of the XXXX XXXX to the Asst. Manager XXXX XXXX ph. XXXX I also filed a police report. I've been to the branch, as of today, on three separate occasions to deal with this issue to no avail. I've also contacted the fraud department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Opportunity Financial, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
on XX/XX/2021 and email was received stating my payment will be taken out on XX/XX/2021. However, I had never heard of this company, I tried to contact the company via phone numbers on the website and email and the calls could not go through. I reached out via XXXX and XXXX. As I never heard of this company or applied for a loan through any of the sub-companies they have listed. I have asked for my information to be removed or how to go about it. They will not answer and when they do they do not offer help. I did not give permission to a company i have no clue who they are to offer me loans or to even have my personal information. I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Experian Information Solutions Inc.
State: IL
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 demanded the following account be removed from my credit report : XXXX/XXXX XXXX XXXX account # 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 2023-04-07
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I suffer from identity theft in 2013. 
XXXX XXXX XXXX disputed the charge off due to identify theft. 
Cach LLC is now suing me froze money from my bank and now has debited my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 




1. USDOE/XXXX Account Number : XXXX 2.XXXX XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 



I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed items is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.

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 2018-05-01
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: FM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After attempting several time to contact XXXX XXXX about a collection on my credit report I contacted my insurance company and after long holds on phone they got thru and stayed on the line with me and resolved any and all debt owed to them. This was on XXXX2018..

After all debt was cleared up the collection agency posted a new debt on my credit report. I called the collection agency and they informed me XXXX XXXX   reported a new debt to them.

I called my insurance company again and after long hold I was assured there is no responsibility on my part to them and everything was paid in full.

I just received a bill from the collection agency ( via mail ) for the entire amount that was owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: LEXISNEXIS
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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: IA
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 appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: IL
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 have a hard inquiry that is not mine. It was a fraudulent inquiry. Somebody was trying to open credit cards with my information. I tried removing this from the credit bureau and its still there. Theyre not doing their job. The income is XXXX XXXX XXXX  address, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, phone number 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 2019-09-19
Company: Love, Beal & Nixon, P.C.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Love Beal & Nixon PC out of XXXX XXXX, OK has been attempting to collect on a very old credit card debt from more than 10 years ago. I have moved addresses, moved states, changed phone numbers and jobs over the years so I guess they could not reach me. On XX/XX/2019 they seized my bank funds, totaling {$280.00} and reduced my balance to XXXX. I had no savings to pay a lump sum. Seizing my bank funds created undue hardship on my family. I couldn't pay my bills, get gas in my car to get to work, or buy groceries for my XXXX children. That is when I learned they had taken legal action against me for this very old debt. 
I don't know what to do. I am living pay check to pay check, I still have no savings. It takes every penny I earn to pay my monthly expenses. I just can't afford to pay another person. I called them in XX/XX/2019. They said they would settle for a ridiculously high amount. They already took every dollar I had, and that only amounted to {$280.00}. Why would they think I could suddenly pay {$4000.00}? I live in fear that they will garnish my wages or take more money out of my bank account. I will not be able to survive. My children and I will become homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Amsher falsely reporting on my credit report a fraudulent debt. This is part of the FTC # XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions 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:
I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account below should be corrected : 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 explanation
Consumer complaint received 2017-05-04
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I did a balance transfer fro m Barclays. I h ad the funds transferred to   XXXX   XXXX  . I waited  two  weeks, but the funds never showed up in my account. I had called   XXXX   XXXX   and they never seen those funds. I also called  Barclays. I was told that the situation was going to be taken care of in sev eral weeks. I am angered about this situation because I have payments due soon and have to pay over 20 % plus interest, but no funds.      XXXX / XXXX /   2017 FR ONT-END FEE $  XXXX   XXXX  )  XXXX / XXXX /   2017    XXXX   XXXX    XXXX  $   XXXX   XXXX   XXXX    XXXX / XXXX /   2017  BALANCE TRANSFER FEE {$6.00}  XXXX / XXXX /   2017    XXXX   XXXX    XXXX  {$200.00} v/r  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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Information is incorrect

Complaint:
TransUnion had misinformation on my credit report and failed to correct the misinformation in a timely manner. I have worked with them several times and their inaction is a form of harassment and selective discriminatory practice. 

The infor mtion that they have on my XXXX XXXX  account, my XXXX XXXX Account and on Progressive LEasing Account are all incorrect. 

As a result of their errors, an account was closed that should not have been, damaging my name and reputation and causing a FICO score to be lowered when I was improving my FICO score regularly for the past year.

TransUnion operates a monopoly and uses biased and systemically XXXX algorithms and they target consumers to force paying higher interest rates and higher cost of capital than is necessary, through manipulation, errors and biased and systemically XXXX programs,

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 2022-12-16
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'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2020 reviewed my credit report for fraud. I saw a hard inquiry as stated below that is not mine. XXXX refuses to remove until I file a report. This is not mine. It has caused damaged to me by lowering my credit score 12 points. 


XX/XX/2020 CAPITAL ONE/BASS PRO XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: Affirm Holdings, Inc
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not and have not ever requested this account and did not receive anything for charges reported. I simply inquired about the terms never accepted any product nor payment plan because I could not agree to terms rendered. I have notified creditors and was informed they would take care of there mistake not worry and then they did nothing and placed in collections on my credit report. I was told to call person whom property I inquired about to make sure they cancelled the rental which I never agreed to rent they canceled I received an email from and did forward to affirm which is company causing me harm. No corporation whats so ever in this matter. No I repeat I did not in any way agree to any contract with either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I received my unemployment benefit wire transfer to my prepaid debit card given by Bank of America. 

An ATM withdrawal was approved on XX/XX/XXXX for {$1000.00} from a Bank of America ATM. 
On XX/XX/XXXX, a withdrawal was approved for {$500.00} qt a XXXX XXXX ATM. Both taken place in XXXX, CA. 

The card is still in my possession to this day, XX/XX/XXXX. I filed a claim regarding the {$1500.00} debit from my account that I did not withdraw myself. 

Bank of America requested I do my own investigation and file a report with the XXXX XXXX Branch where the withdrawal happened. 

Yesterday XX/XX/XXXX, I received a letter that was dated XX/XX/XXXX that the matter was resolved and that they found both withdrawals valid. 

I firmly believe that Bank of America did not conduct a proper investigation. If they had actually looked into the ATM withdrawals and cameras of the ATM you would see that I was not making the withdrawal out of my account. 
Once again, I still have my original debit card that is now closed. Meaning there was a fraudulent card accepted by the ATM who had my pin number and was able to make the withdrawal. 

Due to this, I am seeing financial hardship as Bank of America has not refunded my account and yet the investigation as stated in the letter is closed.

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 2019-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX I called into TransUnion to Explain that I that have been a VICTIM of their inquiry issue The following inquiries have been placed on my TransUnion report in error. 

XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX I that have been a VICTIM of their inquiry issue The following inquiries have been placed on my TransUnion report in error.I need these inquiries that have been placed illegally off my report. 

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