BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
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: 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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: NY
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 XXXX  Accounts has violated my Rights. 
XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-07
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
Several times I have tried both online and via phone call to get my FREE credit report from Equifax. Today, XX/XX/2018, I tried again with no success. 

When I called Equifax 's number, XXXX, I was told I needed to get my report through XXXX XXXX ( NOT Equifax ). I was unsuccessful setting up a XXXX XXXX online account due to problems with their website, so no report was sent. 

When I tried to get an online copy from Equifax, www.equifax.com/fcra, I was denied ( no reason given ) and was given instruction to contact Equifax. Contacting Equifax just puts me back to creating a XXXX XXXX account. It 's a loop to no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: JPMORGAN CHASE & CO.
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:
I submitted a dispute with Chase Bank company on multiple dates over the last 6 months. 

I Checked my credit report on XXXX, XXXX, and XXXX and it has not marked as disputed, So I am unsure if the company is following The law 15 U.S. Code 1692e - False or misleading representations Section 8 : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

Here is my account info during investigation I want this account XXXX XX/XX/2016 deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Experian Information Solutions Inc.
State: DE
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:
We were in a XXXX XXXX XXXX XXXX, paid off several cards in 6 months but have spent the last 7 months trying to get the credit bureaus to report accurate statuses and payment history. Experian in particular has actually created negative payment activity on 2 accounts we had with XXXX XXXX Credit Card. We had 2 accounts that were paid in full per settlements XX/XX/XXXX / XX/XX/XXXX but were continuing to show balances due and non payment for several months after. We have disputed several times since XX/XX/XXXX ( submitting documentation of payment and debt resolution from the creditor ) but each time, the dispute is closed with additional negative remarks etc. The last online attempts at dispute resulted in Charge Off Status for XXXX and again XX/XX/XXXX on these accounts that were paid / closed 9 months ago. I can not get a person on the phone and have spent hours fighting this. I have a settlement on a home in less than 30 days and every time I take action to correct the information with Experian, they are creating erroneous and derogatory information on our credit reports, resulting in significant score decreases because of new late payment ( again paid/closed 9 months ago but show Charge Off in Payment History for XXXX and XX/XX/XXXX ). I am in danger of losing my financing because Experians reckless misconduct and need help. I have all supporting docs including timeline of paper and online disputes. PLEASE HELP!

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 2023-01-18
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Occurred XX/XX/XXXX & XX/XX/XXXX, two separate times. 
There have been accounts opened in my name using my social security number, name and date of birth, on two separate occasions in XX/XX/XXXX, without verification of my email, address, phone number, or ID. I have never had accounts with TD Bank. If not for XXXX, I would not have known about this. The first time, XX/XX/XXXX, I called TD Bank, and I was told the accounts would be frozen, then closed. I was also told my social security number would be flagged against this happening again. Obviously it happened a second time on XX/XX/XXXX. They are allowing people to open accounts online with no hard check on credit, or ID verification. At this point, because of XXXX, I was able to stop this before any money was lost. I would like to know how I can be compensated for constant time spent on the phone, internet, lost work time, stress, etc., trying to get these matters resolved. I would also like to have people aware of TD Bank 's practices, and they be held responsible for these practices, so this does not continue to happen to me or others. I will also be filing a complaint with the XXXX, and looking into a lawsuit since this has happened multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I repeatedly am seeing updates on my XXXX and TransUnion credit reports of an alleged debt of {$590.00} to XXXX reported by a XXXX XXXX XXXX allegedly opened on XX/XX/2019 yet Updated on XX/XX/2019. The alleged account is closed set to appear for a limited duration, so arent updates illegal? I have a separate complaint with the bureaus, but I have filed this one as I saw no way to file a complaint against the alleged creditor and am hereby requesting the bureaus to stop accepting the alleged creditors updates which circumvent my rights.

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 2019-09-14
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
sent debt validation letter multiple times XX/XX/2019 XXXX2019 XX/XX/2019 final letter sent XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: BARCLAYS BANK DELAWARE
State: IL
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:
In XXXX I have disputed a charge for {$28.00} with a merchant XXXX XXXX as there was a problem with the transaction. I contacted the merchant and he agreed to issue a full refund after receiving the merchandise back. 
The merchandise was sent and received and instead of full refund Mr XXXX issued small four refunds that didn't amount to the total of the purchase. 
I have contacted Barclay Card and disputed the purchase. I was then told that the remaining balance will be disputed to make sure that the full amount of purchase is credited. However on XX/XX/XXXX I received a notice that the Barclay Card only credited {$1.00} to my account. 

1 ) Why the overseas call center personnel misleads consumers?

2 ) Despite a long wait, the BarclayCard is issuing a statement that it provides no longer a card suspension service on the phone in violation of its credit card agreement and US laws. It is using a COVID-19 excuse to suspend it services to the cardmembers offering only an online option that is unavailable to people with poor or non existent internet connection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-12
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:
I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPT EDXXXX XXXX Balance Owed : {$920.00} ; DPT EDXXXX XXXX Balance Owed : {$4200.00} ; DPT EDXXXX XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXX Balance Owed : {$19000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
From XX/XX/XXXX to XX/XX/XXXX while I was away I was a victim of identity theft I tried to file my disputes and nobody will help me get my hard earned money back I filed my identity theft report I called a good lawyer XXXX XXXX but I shouldnt have to go through this if the bank sees I didnt do these transactions the bank can clearly see that theres. Check written from my account thats not me completely different hand writing these transactions are not mines the money that was took from my account was my XXXX loan to better my business while I was away taking care of my sick aunt td bank has cameras they can see this is not me for account number XXXX I been a loyal customer put all my funds in there and lost them to td bank I am going to see my lawyer today I lost everything behind td bank and all Im asking for is my money back and my account opened I hate to have to go to court and get a lawyer cause I will definitely win once they see the cameras and handwriting on these checks the person even went to the teller and withdrew big amounts my lawyer said I can sue for a few millions but I just want my funds reimbursed this wasnt no petty change this was my life money and Im looking for my funds returned expeditiously I am a loyal customer and have been I demand my funds be returned and my account open these transactions was not me I have my reports and youll can clearly see this wasnt me I hate to have to go to court but I will and it wont take long this was my XXXX business money now my business is done behind td and a scam artist no I will not allow this my money is insured and youll see that check is not mines and none of your workers will help me file my dispute so what else can I do Im suing for negligence Pain and suffering youll did not take good care of my money and now I have none I demand my account be opened and my funds reimbursed now my lawyer name is XXXX XXXX and Im ready to go to court please respond asap that was my business money and youll will not keep my money behind youll negligence I demand my money be reimbursed and my account opened up with some type of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I requested early termination of a CD with Citibank so that I could use funds to cover a down payment on a home. Citi told me that to wire funds to the down payment bank, I would need to close the Citi CD, pay the ( over {$500.00} ) penalty, and roll the funds into a new citi savings account before I could wire from the new Citi savings acct to my down payment bank. They told me it would be no problem to wire the funds from the new savings account to the down payment bank. So, I paid the penalty and the funds rolled in to citi savings. Over the next week I have experienced multiple roadblocks to wiring my money out of the account. XXXX  they said I needed a debit card associated with the account and I had to wait for them to mail a card. Next, I couldnt wire the funds because I didnt have a PIN and had to spend hours on the phone with them setting up a pin. Next I couldnt wire the funds because they had placed a security hold on the account and the security department is gone for the day, call back tomorrow. I have yet to get access to my funds and have had to take other costly steps to fund my down payment. If I had known that citi would be so incompetent and/or purposefully slow in giving me access to my own money I would not have redeemed the CD and paid the huge penalty. This seems like a bait and switch, where citi collects their penalty and then holds on to my money as long as possible. Please help me access my own money and get a refund of the CD cancellation penalty.

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 2024-01-06
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company AMSHER COLLECTION SERV has stated of a debt form a company charter that i have no knowledge of. No information was ever sent toshow of any relationship with this company. It breaks federal law 15 u.s.c 1681b Permissible Purposes of consumer reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: BlueChip Financial
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a {$800.00} loan on XX/XX/XXXX from XXXX XXXX online. I did received the money. I have made XXXX payments at {$140.00} beginning XX/XX/XXXX, thru XX/XX/XXXX for a total of {$1000.00} with a principal balance left at {$910.00}. I had to get an extension for the XX/XX/XXXX payment which is causing the interest of the loan to accrued daily. I wasnt aware the interest rate is 490 % more than my state of Louisiana would allowed on a payday loan. Also, I didnt know the company is governor by an XXXX tribal. They will offer an extension on the loan but you will regret it in the loan run. You will have to make XXXX payments at XXXX time instead of put the loan at the end of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
toyota rep totally messed up my credit cra violation cost me on a loan and credit cards ftc violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
Credit Card Applications were filed under my name to a number of different credit cards on or around XX/XX/XXXX. The cards were two Milestone Mastercard Accounts, an Indigo Mastercard, and an XXXX XXXX XXXX XXXX XXXX. I was notified by all cards that my application was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I pay my mortgage by phone. For the month of XXXX my phone payment did not go threw. As soon as I realized I payed it right away. It was less than a month passed due. Mine and my husband credit score went down XXXX points because of it. They did not and worn us. Please help up get the points back. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation