BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I set up automatic payments in  XXXX  for this  XXXX  and  XXXX  account and provided all of bank information in which to process payments. They took the first payment in  XXXX  but failed to take the next payment in  XXXX  although they had all of my information on file. I never received anything via mail or email regarding the account and had assumed the payment would be taken. I received a call on today advising me to contact regarding the account and found that the payment was not debited for  XXXX  and I had subsequently been billed a late fee. I advised them that I set-up autopay in  XXXX  but they claim it was only set for one-time payment and refused to correct any derogatory information reported. I pride myself on a goo d credit score and want derogatory information removed as well as the late fee removed. I have gone on-line and made the payment and would like the issue resolved ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-07
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing XXXX  and XXXX damage damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX ; XXXX and Transunion are reporting incorrectly ( 120-180 ) days late on XXXX partial account numbers XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2023-05-01
Company: EQUIFAX, 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:
I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 60 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
To whom it  may con cern,  XXXX   XXXX ,  2017    I mailed a Multiple Inquiry Removal Letter on  XXXX   XXXX ,    2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that are being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017    and they completed the request on  XXXX   XXXX ,    2017. T he request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for all inquiries, which w as Inquires are a f actual record of file access. If you believe this is unauthorized, please contact the creditor. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home and potentially a business this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer  In  best regards,  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 2022-04-26
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: Account information incorrect

Complaint:
On XX/XX/XXXX( Return Receipt # XXXX ) Experian received my correspondence demanding they stop the illegal reporting of erroneous accounts on my Experian credit report. I never gave Experian permission to furnish my reports, Pursuant 15 USC 1681b. Furthermore, for Experian to share my information without my consent is aggravated identity theft. Experian broke the law and illegally updated the inaccurate accounts per Report number 1541-8051-10. Pursuant 15 USC 1681b ( A ) ( 2 ), I want to exercise my right as a consumer and demand deletion of these inaccurate accounts as my written instructions. Wilful compliance will result in seeking legal action.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected or removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01
Company: EQUIFAX, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
In response to a prior complaint made with CFPB (  XXXX  ) Portfolio Recovery indicated they would remove their trade line from the credit reporting agencies however when I spoke with   XXXX   and  XXXX   XXXX  on  XXXX   XXXX ,  2017 they h ad not removed their trade line from my   XXXX   and  XXXX   XXXX   credit re ports. When I speak with   XXXX   or  XXXX   XXXX  to let them know about the prior complaint filed against Portfolio Recovery and provide them with the CFPB complaint number, I 'm informed my complaint is not  one of  their options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2020-03-21
Company: CITIBANK, N.A.
State: PA
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:
On XX/XX/XXXX my family and I were supposed to fly out of XXXX XXXX XXXX XXXX XXXX ( XXXX ) back home to XXXX XXXX XXXX ( XXXX ). The flight was to leave on XX/XX/XXXX at XXXX. I checked into the flight on XX/XX/XXXX at XXXX and printed my boarding pass. At XXXX on XX/XX/XXXX I received notification on my XXXX  app that my flight is being delayed until XXXX on XX/XX/XXXX. At XXXX I received a follow-up alert via XXXX app saying my flight was now being delayed until XXXX on XX/XX/XXXX. At XXXX I received, yet again, another notification, this time via email, that I am being rebook to a connecting flight from XXXX at XXXX to XXXX XXXX XXXX ( XXXX ) and then a connecting flight to XXXX. I tried to get ahold of someone on the phone, however, I was met with an over three hour hold. My daughter had XXXX XXXX XXXX on XX/XX/XXXX, and I was already worried about traveling with her in the airport during the Covid-19 outbreak, however, I became even more stressed when I learned that without my permission I was forced off the flight. We were told that the XXXX flight, out initial flight, was overbooked and the reason we were bumped off the flight was because we used reward miles. When I finally got ahold of a representative from XXXX XXXX on Tuesdays around XXXX, I was told it seemed there was a system error which caused for my family and I to be re-assigned to another flight. I, however, should not be penalized monetarily due to a system error. 
Due to the uncertainty of what was happening in XXXX XXXX the only other way to get home was to rent a car and drive cross-country with a XXXX old baby ( who had XXXX XXXX XXXX on XX/XX/XXXX ) and I was incredibly upset, stressed, and worried for the health of my daughter. Not to mention the stress it caused my daughter to have to be in a car for almost 40 hours driving back home.

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXXDate of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021

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: Sequium Asset Solutions, LLC
State: MT
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I paid my phone bill with XXXX in the amount of XXXX. As their website states, they bill one month in advance. On XX/XX/2023, I switched carriers to XXXX and cancelled my verizon account XXXX The following month I received a bill for XXXX dollars and some change. I immediately phoned XXXX to inquire about the bill. The first call the fella attempted to tell me my billing started on the first. If that is the case, then why do I pay on the XXXX? I called back after I had calmed down and spoke with someone else who acknowledged that I didn't owe this money and that I was in fact owed the balance on the account, {$71.00}. I kept getting phone calls and bills from XXXX and I kept calling to inform them that it was in error. I phoned them again, this would be the third time, and spoke with someone who again told me that this bill was in error and I DID NOT owe this money and that i should be receiving a refund credited to my checking account. After receiving another call about them trying to collect on this bill I called AGAIN. I was told to ignore the phone calls as it takes them a bit to get all of this information in the system and moving. Unfortunately, the 5th phone call I received I didn't receive well and blew up at the poor gal on the other end. In XXXX of XXXX my husband had a XXXXXXXX XXXX  and we were not at home to receive any mail and I did not receive bills until we arrived home in XXXX. On XX/XX/XXXX I received an email from a company named Sequium who were trying to collect this debt from XXXX. I have submitted a dispute letter to them in accordance with their rules. I find this atrocious. I DO NOT owe this debt and am hoping for some help in resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: CA
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:
For the past 90 days, I have been trying to validate a debt with XXXX  XXXX. I have not had a single response by phone, email or mail. This is a complete violation and extreme delay. I am losing out on time, money and opportunity due to the negligence of this collection agency. PLEASE SEE ATTACHED THE DEBT VALIDAITON REQUEST I SENT TO THE COLLECTION AGENCY OVER 45 DAYS AGO.

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 2017-05-11
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On   XXXX     Th e Chase Fraud  team contacted me via email to advise there was a known fraud company had attempted to charge my card  XXXX  and the same day another  XXXX  was declined on my card. Thus due to the email I called in to advise I had not bought anything from that company and it had been a pop up ad i had closed out.     On   XXXX   anothe r Chase Fraud Alert  had advised me that a charge for  XXXX  from this know fraud company had been approved and the same day a second charge from the same company was attempting payment for  XXXX , where again I had called the Fraud department and again was disputing these charges. where the Fraud team recommended that I cancel my card and have new ones issued to stop the fraud charges, I also needed to contact the merchant for which I did with the numbers provided by  Chase Fraud  Department the same day.     On   XXXX   I again called The Fraud team to advise that merchant was contacted and they were canceling and refunding and received a claim number to watch my account.   on  X/XX/17    The Fraud protection Team issued a temporary credit in the amount of  XXXX  while Chase reviewed what information they had and I was not asked to provide my emails during these investigations.     On  X/X/2017    I finally received notice from the merchant via email that my Order from them was cancelled, for which the company had now waite d two   full months after initial contact to cancel due to not receiving  merchandise nor agreeing to the purchase.     On   XXXX     Chase reversed the credit of  XXXX  siding with this company based on information from the company. The same company they had first contacted me about as being a fraud. With this they over drafted my account and never once asked for any information or documentation i had proving this company was scamming individuals all over the country as they had first alerted me to in the beginning. Furthermore, Chase failed to inform me before they removed the money from my account.     Also, Chase has conflicting and multiple claim numbers for this same dispute, with  XXXX  on  XXXX   XXXX  being  XXXX  and on  XXXX   XXXX  my account does n't reflect that case number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Reporting act American : The following Inquires Have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

ALSO THESE inquires are in itself fraudulent and not done by more nor my consent and I have not consented to the reporting in my personal name to any reporting agencies.

& 15 U.S.C. 1681-1681, imposes that responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. This is unauthorized by me and unlawful and I seek immediate removal. Ive requested this before and ive yet to get a response from my inquiry. This is my XXXX time reflecting upon this matter.

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 2023-05-20
Company: The Savings Group, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I received an offer in the mail from Rate Genius stating I could possible lower my car payment with a new loan and save {$180.00}. 

The letter directed me to a website. On the evening of XX/XX/23 I visited the website and selected just checking my options, completed the required information and before submitting the application I read the details of the offer. The website clearly stated my credit report would not be pulled until I selected an offer from one of their lenders. 

By the next morning, I was receiving alerts that my credit report was being pulled. I tried logging into the Rate Genius account that had been created and the link was broken. I called and spoke to an agent who said the application she was viewing indicated I agreed to have my credit pulled, I had been approved for a loan and loan representative would contact me. 
I waited 3 hours and called again. The next agent said they would send another message to the rep and assured me my credit had only been pulled once and submitted to 150 lenders, I said again, I did not agree to that. 
15 minutes later the rep called. I was approved for a loan at the same rate I already had with my current lender. Wouldnt make sense to accept the offer. 
I asked again, why was my credit pulled. The explanation was not sufficient but my application had been submitted to 40 lenders but one approved me. Something about they have multiples companies and a disclosure statement. I still cant access the account that was linked in the email communications I received. My credit score dropped 2 points immediately. My co-applicant had a 5 point drop. 

The offer I received was misleading and the explanation as to why they pulled my credit was inadequate. 

I revisited the site tonight and the application page has been updated to include terms that include I grant permission to have a credit check done. 

I have to give them credit for fixing their website but that doesnt help me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
This is the message that Chase Bank sent me yesterday  XXXX   XXXX     2017  and they said that they were going to still charge it even this was done before the account was closed advised account was closed they would send me a bill I paid the overdraft from this account and here 's what it said I will attach a copy of letter

Company response to consumer: Closed with explanation