BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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. 


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. 

Name of Account Account Number Verification OFFICE OF THE ATTY GEN XXXX The wrong amount is being reported XXXX XXXX XXXX Identity Theft. 
XXXX XXXX XXXX XXXX Identity Theft. 
XXXX XXXXXXXX Identity Theft. 
XXXX Identity Theft. 
XXXX  Identity Theft. 
XXXX Identity Theft. 
XXXX Identity Theft. 
XXXX Identitu Theft. 


Thank You, 
 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 2018-10-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XX/XX/2010 I had a ambulance ride to XXXX hospital. They mailed my bill to the wrong address and I could not submit it to my health insurance to be covered. They sent the bill to a debt collector called XXXX XXXX XXXX. This company was horribly managed and was almost impossible to communicate with or even get ahold of. After many months of trying to reach them to work out a payment plan I was finally able to get ahold of them and agreed to pay {$50.00} a month. I paid {$50.00} a month up until the Attorney General of Colorado shut them down for fraud. It appears they sold off the debt to Wakefield & Associates before officially closing doors. A quick XXXX search will confirm exactly how shady this company was if you had any doubts.

After my debt was sold to Wakefield & Associates. They went to court without my approval or knowledge and achieved wage garnishment for an amount that is almost double of my original bill. My summer employer XXXX agreed to the wage garnishment and has took % 25 of my paychecks this year.

The Debt is well past the Statue of limitation for a medical debt, Which is 3 years in the state of Colorado. It is also illegal to collect on a debt that has been collected upon through wage garnishment. 
Received an issue to go to the court within 14 days to get an appeal from the clerk, and could use help in removing this debt from my record.

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 2023-01-01
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
Finance manager illegally pulled the credit more than once for me ( XXXX XXXX ), and mom ( A.Basalo ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX XXXX  ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX  XXXX ( never authorized ), XXXX XXXX XXXX never authorized ) and TD Auto ( never authorized ). XXXX XXXX XXXX directed the auto loan to XXXX XXXX  at a higher rate than the one with our financial institution, and falsely tried excusing himself using a credit score of XXXX for my mom, to which we demonstrated XXXX for XXXX agencies and XXXX for XXXX for her, and the ability to get the best rate offered by our financial institution of 5.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 5.33 %. The fraudulent practices by this individual are performed after a 5 hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my mom, my dad and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : 1 ) trade-in value ; 2 ) being forced by the dealer to buy unwanted additional items not yet installed ; and 3 ) The fraudulent actions from XXXX XXXX XXXX to earn a referral fee from XXXX XXXX  XXXX Regardless of that the fraudulent Finance Manager pulled the credit with XXXX unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my mom.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Albert Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The phone number says he with my account is XXXX for my phone in my purse were stolen I made a police report I sent it to your people my name is XXXX XXXX the counter on XXXX XXXX my birthday is XX/XX/XXXX my Social Security number is XXXX email says he will my count is XXXX XXXX XXXX {$1500.00} was stolen from you it was a deposit from XXXX charities I want my money back now Albert Cash Account statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account number XXXX Statement period XX/XX/XXXX, XXXX XXXX, XXXX Transactions Date Merchant Summary Beginning balance on XX/XX/XXXX Deposits Withdrawals Purchases Fees Ending balance on XX/XX/XXXX Get help Text us at XXXX XXXX {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Balance Type Amount Error resolution notice In case of errors or questions about your electronic transfers telephone us at XXXX or write us at XXXX as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. 
( 1 ) Tell us your name and account number ( if any ).

( 2 ) Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. 
( 3 ) Tell us the dollar amount of the suspected error. 
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. 
Banking services provided by XXXX Bank, member FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: OH
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: Problem with personal statement of dispute

Complaint:
Experian refused to allow me to further dispute several collections on my credit. Irregardless of the claims or reason behind the claims. XXXX and XXXX dispute has been denied as well. After going on websites though portal. Still denied.

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 2023-07-18
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX, XXXX, AND EXPERIAN ARE IN BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ARE IN VIOLATION OF : 1. 15 US Code 1681 b 2 - ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

2. 15 US Code 1681 c 2 - 3. 15 US Code 1681 e b 4. 15 US Code 1681 a 2 5. 15 US Code 1692 C C 6. 15 US Code 1692 G 7. 15 US Code 1602 P 8.15 US Code 1601 ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE 10 DAYS TO REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XX/XX/XXXX- Enroll to Capitalone 's XXXX XXXX XXXX  online and accepted XX/XX/XXXX - Used the card in XXXX and sent my full payment, along with {$390.00} Annual Fee. No problem. 
XX/XX/XXXX - Received an email to submit the following supporting documents. 
Government Issued ID/Drivers license - XXXX  Driver License Social Security Card Proof of Residence XXXX XXXX to XXXX Water Bill Bank Statements- XXXX XXXX  Checking from XXXX to XXXX XX/XX/XXXX - Successfully submitted the requested document. 
Case number XXXX Reference number : XXXX Around XX/XX/XXXX - Received a letter from CapitalOne saying the card will be suspended until further verification with the above-requested document. Made a call to CapitalOne told them I have already sent them all the document. Then they told me, it will take time to process and get back to me regarding the suspension of the credit card. NO ONE CALLED OR EMAILED OR ANY LETTER OF STATUS UPDATE from XXXX. 
XX/XX/XXXX - Called and talked to Agent XXXX, Agent ID : XXXX, and requested escalation to cancel my card and get the refund of my Annual Fee. He told me to wait for his supervisor, but I have to attend a meeting so I need to call back. 
XX/XX/XXXX - Called and requested escalation to resolve my annual fee with Agent XXXX, Agent ID : XXXX. The call was escalated to a supervisor name XXXX, and they said the case has been passed 40 days, so there is no refund, but she will escalate my case to their " Dedicated Team '' and someone will get back to me within 10 days. 
XX/XX/XXXX, & XXXX - I received emails asking me for payment. The card has been suspended since XX/XX/XXXX, and no one from CapitalOne has sent email, mail, or call to update on the status of my document submission, so I have no idea why there would be any charge to the credit card. Also, why would they refuse to refund my annual fee when they accepted my application online in XXXX, and then all of a sudden suspended my card and refuse to refund my annual fee of {$390.00}. It is a fraud to keep my annual fee. 
XX/XX/XXXX - One last call to see if their " Dedicated Team '' has any answer, but CaptialOne continues to have the same run-around. 

I hope CFPB can resolve this and get back my annual fee as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: MD
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.

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 non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX, XX/XX/2023. Inquire done for credit card, I already have a XXXX XXXX XXXX  account. This application on this date ( XX/XX/2023 ) was not done by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was scammed by a breeder who asked me to pay by XXXX and did a bait and switch with her contract I never signed. 

My attorney wrote a demand letter and Ive submitted two claims to Wells Fargo their executive team has declined. Ive asked in both instances for Wells Fargo to allow me to submit documentation and they failed to do so siding with the breeder.

Im holding Wells Fargo complicit to the breeders crimes and filing a complaint. I want my money back as I dont want to have to escalate this to an attorney!

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 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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 2021-12-22
Company: Alorica Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My husband and I took out a loan for an XXXX XXXX XXXX Bank in XX/XX/XXXX. SST took over the loan shortly thereafter ( Acct # XXXX ). The loan required automatic monthly withdrawals from our checking account of {$300.00}. These withdrawals took place with no issues for nearly 7 years, then in XX/XX/XXXX, for an unknown reason SST submitted the request for payment to our bank using the wrong checking account number. The bank branch manager confirmed the wrong account number was provided by SST and sent us a screenshot for our records ( bank transaction record of attempt and denial uploaded ). The bank denied the payment ( there have been no changes to our banking situation/account, etc. ). This mistake on SST 's part resulted in a delinquent payment and negatively impacted our long-standing excellent credit scores by more than XXXX points each! When I realized something went wrong I paid what was in arrears immediately including late fees. 
When we explained the situation and asked for resolution on XX/XX/XXXX, they said they would have a manager in their dispute resolution group call us. We have not received a phone call response as of XX/XX/XXXX. I also note that their automatic payment policy includes a statement that says once notified of an error, they will determine if an error occurred within 10 business days and will correct any error promptly. 
We received a letter dated XX/XX/XXXX from SST responding to a request to remove negative comments from our credit history. However, it is clear that instead of investigating the situation they simply confirmed payment was made more than 30 days late ( see uploaded SST letter ). It also appears that they are charging us {$45.00} for a " XXXX XXXX XXXX '' on XX/XX/XXXX ( see last page of uploaded SST letter ). 
We are in the middle of refinancing our home, and this mistake on SST 's part will end up costing us tens of thousands of dollars over the life of our new loan since their mistake means we no longer have stellar credit scores and will not get the best rate. 
SST has not owned or even acknowledged their mistake nor made any attempt to make it right for us, loyal customers of 7+ years. 
I have sent a response letter to SST requesting an actual investigation to identify why an incorrect account number was used, dated XX/XX/XXXX ( see uploaded letter to SST ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 XXXXXXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX  Account number:XXXX Account name : XXXX  XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2021-12-22
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, My name is XXXX XXXX and I am the owner of XXXX PayPal account. 
My phone no. is : XXXX Ive been notified about this case about a couple of unauthorized transactions, ( Case ID : XXXX ) and ( XXXX ) and that my response is needed. ( Seller response ) First I would like to say that it was no sale in this case. 

I I am referring to : Transaction ID XX/XX/XXXX, 1. money receive at XXXX pm XXXX {$90.00} 2. Money send at XXXX pm XXXX - {$90.00} XX/XX/XXXX XXXX. Money receive at XXXX pm XXXX XXXX {$100.00} 2. Money send at XXXX pm XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in their XXXX 's, are our friends and XXXX XXXX XXXX is there son and he is on his XXXX 's. 
Both XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX to upload their cards on Paypal and use them at will. 
On XX/XX/XXXX and XX/XX/XXXX as you can see, The money that XXXX send me, on both occasions were returned, PAID BACK in under a minute. 
On both ocasions, he said that the transaction was done by mistake and he request his money back. 
I would like to mention that XXXX XXXX XXXX does not have a credit card on his name and he actually send the money from his fathers and mother 's credit cards since they share the same name. 
Soon after he did multiple charges on his parents credit cards ( I don, t understand how Paypal aloud him to use somebody else 's credit cards on his own Paypal ), he got the cash from the people he scam than his parents denied all charges to credit to the credit companies and got their money back totaling over {$30000.00} and me as the victim I am being harrased by Paypal who is forcing me to cover those illegal transaction taking the side of the scamers even after multiple complains has been filed with XXXX XXXX XXXX police, Consumer Financial Protection Bureau, He Did the same thing to my stepson. 
XXXX XXXX XXXX. 

Please let me know if I can help with anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion continues to reestablish accounts as if they are current but they are old and paid off, they have accounts dated for 2023 as being new and the accounts are not only old but the information is not correct- XXXX XXXXshows derogatory, account was paid off, not discharged in XXXX  XXXX XXXX XXXX XXXX XXXX So this greatly reduces my credit score, I believe it is some fraudulent tactic that the credit bureau does and they have never been addressed about the issue. I have lost 2 apartments because of this egregious tactic.

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