BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
In XX/XX/2019 we got to a agreement for me to paid the amount owned directly with a internal agreement lowering my monthly payment to XXXX a month for 60 months and they will close the account on my credit report as charged-off and not report more negative information to the credit bureaus and I have comply with my monthly payments ever since. They take it from my chase account as direct payment every month and they keep reporting to the bureaus that even do the account appears Charge-off is not being paid. They are hitting and damaging my credit score and opportunity to get a home. I cant believe that this XXXX XXXX were I have other accounts that have been never been paid with delayed is working like this. I have called them every month and just pass me from side to side and tell me theres nothing to be done. Its not a fair lending practice from there end and they just dont care.

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 2017-08-05
Company: DCI Credit Services, Inc.
State: OK
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:
On X/X/2017, A new collection account appeared on my XXXX credit report. Reported by agency Diversified Consultants Inc. ( DCI ) in the amount of {$88.00}. Original Creditor was XXXX. I did have an account with XXXX, but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed XXXX anything. On X/X/2017, I contacted DCI by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that XXXX had given DCI the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by XXXX or DCI to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed some fraudulent inquiries on my report that I did not authorize. I demand they be deleted immediately!

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 2019-07-05
Company: MoneyLion Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
MoneyLion Bank is operating a fraudulent rewards scheme where new customers are promised a promotion match on their initial direct deposit, but these matches never take place and the bank is arbitrarily refusing to honor the terms of the promotion. 

The " pave the way '' promotion operated by MoneyLion ( XXXX : //XXXX.XXXX.XXXX/XXXX/ ) promises a 17 % match on initial direct deposits - this match was not honored on my account even though promotion terms were met. Several comments on public forums seem to indicate that MoneyLion is refusing to honor the terms of the offer, based on arbitrary requirements ( see comment section here : https : XXXX ) I deposited {$3700.00} to my new MoneyLion account via direct deposit on XX/XX/2019. A second direct deposit of {$5000.00} was processed on XX/XX/2019. These direct deposits meet the offer terms and I should be awarded the 17 % bonus on the original direct deposit. 

I request that MoneyLion acknowledge the inaccuracy of their promotion terms, and provide appropriate remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, my husband I and went to BOA ATM at around XXXX to make a deposit of {$2900.00} to ATM ID XXXX. The ATM took the full amount, shown an error, and returned to normal screen. The money was never credited to my account or returned to me. We stayed around the ATM to make sure the camera captured us.

We submitted a claim, XXXX, and BOA declined the claim twice already. BOA said they SAW us deposit the money in the ATM. However, they did not find extra money in the ATM. What? Does that even make sense?

Let 's not talk about how much money was deposited. The FACT that your camera evidence shows that we brought Cash and deposited some cash to the ATM on XX/XX/XXXX AND you can't find additional cash in the ATM, there were obviously errors related to the ATM. Let me present you with a scenario, when there were errors with the ATM, it is totally possible that someone within BOA, either an employee or contractor, could have stolen the cash when performing reconciliations and knowing such error existed. Let 's say if he/she found cash on the next day, he/she could have taken the extra cash and said the cash was balanced.

Another scenario is that when the ATM is faulty, someone who deposited money next to me could have received an additional {$2900.00} when depositing their cash, making cash balanced at the end of the day. If they get extra {$2900.00} in their account than what they deposited, would they call BOA and say so? I don't think so. In this case, cash would have been balanced, and you wouldn't find additional cash because it already shows as deposits in other accounts.

There were so many things that could have gone wrong when the ATM is faulty. And when you said you can't find record of additional cash, it OBVIOUSLY means that your ATM is faulty. And if your faulty ATM doesn't allow you to do find additional cash, then you must credit your customer because it is your fault for operating a faulty ATM machine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
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 XXXX XXXX XXXX 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 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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the 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 2021-04-07
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I was checking my TD Bank accounts and notice that my student checking and saving was in negative and when I looked into the accounts there were multiple fraudulent transactions occurring withdrawals, Debit Card purchase in person and online in the account starting from XX/XX/XXXX. It immediate contacted TD Bank customer service online. He instructed and created 3 fraud claims ; 1 for withdrawal from saving, 1 for checking and 1 for purchases. My Mother and I who are joint on the account followed up with the local branch on XXXX XXXX and additional claims were done again. We were informed that is Identification was comprised and they fraudster also had access and control of his online banking. TD bank instructed to get a Police report and also enroll into to identitytheft.gov which he did. My Son lost his bankcard and he was not aware. The fraudster depleted the accounts in 2 days and TD Bank fraud department never once try to contact us about this rapid transaction happening in the account which was uncommon and it was in a different state. We have filed multiple claims with TD Bank and they continue to deny them. To this date, TD Bank has only refunded {$820.00} of the aprox. {$4500.00} dollars that was stolen from the account. I have made many trips to the local branch with no solutions. The matter was escalated to the Reginal Manager and he has yet to contact us. I was instructed by XXXX XXXX branch Manager to write a formal complaint via letter and send directly to the Reginal Manager which was done and hand delivered to the Main Branch in XXXX with no reply. These 2 accounts were frauded out and TD Bank refuse to refund our money. My mother has been a value customer of TD Bank since taking over XXXX XXXX XXXX XXXX and currently has 8 active personal and business account along with my passbook. This is the second time my account was frauded out and TD Bank continues to deny claim even when it is blatant fraud. I would like TD Bank to refund my money. TD Bank security protection failed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-19
Company: EdFinancial Services
State: TX
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 notice several month ago i had a student loan being reported on my credit report by XXXX XXXX. I sent out a validation letter and after 30 days it was still being reported and never was validated. I contacted them and was informed the debt was transferred to EDFinancial, after i got in contact with them, i explained my situations and told them by law it must be removed as it was not my debt and they were give 30 days to validate and never did. So the representitive asked for my address to confirm, and the address they had on file was not mine. After the fact, they began using the information to report on my credit reports without my authorization which is a clear violation of my rights. I sent out be certified mail a letter requesting a proper consumer investigation on the matter as described under the Fair Credit Reporting Act US 15 1681a section 3 ( e ) which stating interviews must be conducted which friends, neighbors, and associated who may have knowledge of the assumed debt. I have contacted all the people i am familiar with and no interviews have been conducted and the debt is still being reported although no efforts has been made in regards to my request for a proper consumer investigation which are clearly within my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: KY
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Conspiracy Against Rights. ( A Federal Crime Has Been Committed ) By Experian.Please see 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 2021-07-15
Company: BARCLAYS BANK DELAWARE
State: NJ
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:
The Payment of {$500.00} was sent directly from my bank checking account on line to Barclays Wyndham Visa credit card on XXXX to receipt on XXXXwhich their bank XXXX XXXX cashed. Barclays 's is denying receipt of such payment. Now after several months of calls and sending proof of the payment by fax and regular mail, they are still charging me the same {$500.00} and now they have including penalty fees and are threatening my credit. I'm worried they are trying to damaged my. credit and they are robbing. Please help me. I have tried and tried to solve this impossible stressful issue.

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 2018-07-14
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:
On Thursday XX/XX/XXXXI reached out to these bureaus to request that fraudulent accounts and inquiries that are reporting on my credit file be blocked pursuant to section 605B of the Fair Credit Reporting Act. 

They did not remove : XXXX XXXX XXXX, {$980.00}, XX/XX/XXXX. 

I would like to request that these items be block in accordance with section 605B of the Fair Credit Reporting Act.

I would also like to request a copy of the investigation including the company ( s ) they are receiving this fraudulent information from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
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:
Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX 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 2023-06-02
Company: Experian Information Solutions Inc.
State: WI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, P ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$640.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$600.00}. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Resurgent Capital Services L.P.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
This company states I owe {$1500.00} back from 2012, and the statute of limitations has passed. I do not owe them anything.

Company response to consumer: Closed with explanation