BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I went to TD bank Branch on XXXX XXXX XXXX XXXX DE with {$3000.00} cash and I used the ATM Machine To deposit my Money. The cash which was my pay By the way was in a form of Mixed Bills XXXX and XXXX bills. Since I already know that the machine won't accept that many bill at the same time so I decided to do two deposit consecutively. I made the first deposit with out paying attention to how much exactly it was, It went trough fine with no problem and the second transaction after I put the stack of cash in the machine that's when an Error occurred and the machine get stocked. I got a message asking me approximately how much was my Deposit? Since I wasn't sure I just Put a number {$1800.00} Hoping that whoever will handle the transaction will figure out how much it was. All I know at that time That I had {$3000.00} in Cash. When I Check My Account Later I found out that Indeed the first deposit was {$2100.00} so instead of XXXX That I put it should have been {$880.00}. I called them The next Business day to correct it. They Open a dispute case on my behalf and they tole me that they will Count the deposits in their defaulted Machine and let me Know. At the Mean Time they Gave me credit for my {$880.00}. I received a letter from them few days ago saying that the case was closed to my favor and no more actions will be required. I was Shock when i checked My account on XXXXXX/XX/23 to see that they went to my account and took the {$880.00} again Unjustly. Someone did not do his job Right. I'm sure If they had Counted their Money right in that Machine we wouldn't be having this complaint.

I Really appreciate your help resolving this matter. If I was really a bad guy or trying to cheat them I would have stick to the original Number That I put the first time which is {$1800.00} but Instead I was Honest and That's what I get because of My Honesty.

Please Help me resolve this Issue.

Respectfully Yours. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ) has violated several of my rights. 

15 U.S.C 1681 SECTION 602 A Clearly states that i have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2020-02-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I sent a complaint against IQ DATA INTERNATIONAL regarding an attempt to collect a debt that does not belong to me. They were very kind to respond on time on XX/XX/2020, saying they supposedly verified the debt and that they will forward me the documentation. To this date, I have not received any supporting documentation regarding this debt. However, I have reviewed my credit file and I know for a fact that I have never done any business with " SURE DEPOSIT '' or have lived in a building name " SURE DEPOSIT '', which is what they are alleging on their response. 
Please be advised that at this point this is is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you At this time I will also inform you that if your offices continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws.

If your offices fail to respond to this validation request within 15 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Square Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/21 I noticed someone had hacked into my cash app & attempted to send themselves {$120.00}. It wasn't available in my account or my cash app balance so it didn't take any money out this time. I immediately sent cash app an email request to dispute this. Cash app will warn you NOT to block the individual until you get a resolution from them. This process takes 10 business days. 8 days later on XX/XX/21 ( mid investigation ) the same person sent themselves {$330.00} from my account. This caused me not to be able to pay my rent on time, my account is currently still in overdraft. I've sent them multiple emails as well as tried reaching them via twitter & they give you the same response of waiting 10 days & then stop responding. No one has refunded me yet or reached out with any updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: MO
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my rental history, there is a collection account that I never opened I never rented with the promenade red apple town center, this is a fraudulent account that was open under my name, identity was stolen

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2020-04-04
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I recieved a letter from my employer stating my wages were being garnished. I never received any documentation from this creditor. Cooling and Winter are collecting for XXXX XXXX. I have two XXXX XXXX accounts with large credit limits and they have all my correct information. The amount of the debt is approximately {$1600.00} and surely if I was made aware of it, I would have paid it. All the information regarding the garnishment I was able to get from my employer HR site. My wife and I have reached out to Cooling and Winter LLC and let messages for XXXX XXXX. When we would return his calls because we both work he was not available. 

My wife and I spoke with XXXX XXXX on XX/XX/XXXX with Cooling and Winter LLC. She stated that we were service by a Sherrif regarding the debt owed. We were not. Cooling and Winter claims that they did not have to notify us of an attempt to collect a debt yet they said they just sent out a copy of the garnishment to our currect address. We offered a settlement on my account. XXXX stated that she would have to send the offer in to see if it was approved. We were told that there would be an answer at the latest XX/XX/XXXX. We told her if the offer was accepted we would pay the agreed upon settlement. XXXX stated she would be off on XX/XX/XXXX and that the fastest method to stop the garnishment would be to come into the office and pay. I told XXXX that my wife would stop by the office at XXXX p.m. on XX/XX/XXXX. 

My wife arrived at Cooling and Winter 's office at XXXX p.m. She explained to th receptionist why she was there. She proceeded to ask if she had the full balance owed to pay off the balance. She had no information of the offer. She explained to her that I was not paying the full amount and that I had spoke to XXXX and submitted an offer. The receptionist then called XXXX XXXX, who was walking by. Mr. XXXX stated he was off the clock and I was asked to come back in 30 minutes, with no regard to the XXXX p.m. decided upon meeting time. 

My wifea left a client 's jobsite in XXXX, Georgia to make it to Cooling and Winter LLC, a sixty mile drive all to not have my issue resolved. Not to mention the  time and money she lost because she left work early to take care of this issue. So not only are my wages being garnished and my hours are cut due to Coronavirus but now she will be missing hours because Cooling and Winter LLC wasted our time. I have complained to Cooling and Winter LLC. We demanded to speak to someone about XXXX and XXXX, however we have not heard anything and we have not recieved the paperwork that Cooling and Winter LLC stated they were sending to us.

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Please see attached. This account is past the statue of limitations to collect on this debt.

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 2023-04-21
Company: PNC Bank N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Security review closed the account from XX/XX/XXXX until XX/XX/XXXX from this time {$150.00} in fees have posted on the account while the account account was never able to be used. Upon calling the company several years ago when they initially close the account a representative told me that these fees would be reinstated since the account was unusable, I would have to just wait until the security review was complete. On XX/XX/XXXX a deposit had been made for the amount of {$1200.00} and {$220.00}. Upon confirmation with the unemployment office, these funds were due to be disbursed to XXXX XXXX with a 1099 form confirming this. I have to pay taxes on funds that I have never had any access to and PNC Bank lied to me and told me that these funds have been returned to the unemployment office on the XXXX of XX/XX/XXXX. Upon filing a complaint with the CFPB this year, PNC responded and stated that they have actually retained these funds and did not actually send them to the unemployment office. The unemployment office has notified me several times if the account has been closed, those funds should have been sent via check and if they were sent back to, as PNC had initially stated, those funds would have been rerouted immediately due to the nature of the funds. PNC Bank has retained funds and has not explained what they plan to do with them If the unemployment agency does not reach out and ask for these funds back. These funds should have been rerouted to the unemployment agency if they were due to be paid out to another individual. Any other deposit that did not have anything to do with the security review, should have been paid as stated. The amount of {$1400.00} was due to be paid out to me with a 1099 confirming this. PNC Bank should also return the funds that were made on the account for the monthly fees totaling {$150.00} for 30 months. I was able to receive a {$600.00} stimulus payment after the account had closed and should have been able to access the {$1400.00} as well. Had I not received the 1099 in the mail this year, I wouldnt have even known those funds were there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
problem with fraud alert and freeeZes remove it XXXX experian, XXXX and XXXX  ftc violations committed For the first four years, you get free monitoring of your credit reports at all three major credit bureaus XXXX Experian and XXXX XXXX.. These services will be provided by Experian. For an additional six years, you can opt for free monitoring, but it only covers your XXXX  credit report. 

tu Appeals Court Upholds FTC Order ; XXXX XXXX Must Stop Illegal Sales of Consumer Reports to Target Marketers exp FTC consumer alert a " must read '' - XXXX XXXX For example, a lender that has suffered a security breach may offer you a complimentary Experian credit monitoring service

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 2020-04-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2020 I called to access my account using my call password I have used 35 years. USAA DOES NOT PROVIDED ON LINE ACCESS DUE TO MY XXXX  XXXX. NOW USAA can not verify me using my call password that has worked 35 years so I HAVE NO ACCESS TO CALL ABOUT MY ACCOUNT. This is due to my hand XXXX also. I physically am unable to ( text or email ) proof of who I am. ** NO PHONE ACCESS. XXXX USAA IS NOT XXXX ACCESSIBLE FOR XXXX MEMBERS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Regional Management Corporation
State: MO
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:
Regional Finance Subject : Request for Account Deletion as per Metro 2 Five Points of Compliance I am writing to request the deletion of my account from your records in accordance with the Metro 2 Five Points of Compliance. As a consumer, I understand that the Metro 2 format is an industry standard for reporting credit information, and it includes guidelines for accurate and fair reporting.

I kindly ask that you consider the following five points of compliance and take the necessary steps to delete my account from your reporting : 1. Accuracy : I request that my account information be deleted promptly if it contains any inaccuracies, incomplete information, or discrepancies that may impact my creditworthiness.

2. Integrity : It is my understanding that you should maintain the integrity of my personal information, ensuring its confidentiality and protection from unauthorized access.

3. Promptness : I expect that you will process my request promptly, taking into account the specified timelines for deletion as per the Metro 2 guidelines.

4. Documentation : I request that you provide written confirmation of the account deletion, including the removal of any negative information associated with my account.

5. Compliance : I trust that you will adhere to all applicable laws and regulations regarding consumer credit reporting, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Metro 2 guidelines.

Please acknowledge this request within 3 days from the receipt of this letter and provide written confirmation of the account deletion as per the Metro 2 guidelines.

Thank you for your attention to this matter. I appreciate your cooperation in ensuring the accurate and fair reporting of my credit information.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently have used an online platform for peer to peer lending titled XXXX and a consumer completed a transaction with me and paid via XXXX using Chase Pay and subsequently reported it as fraud to their bank. Chase immediately froze my account over the {$41.00} transaction labeled fraudulent per consumer which has assets reaching to ~ {$2500.00} and though I have provided evidence of communication, completion of sale, and visited the branch and spoken with the bank nearly daily since the freeze, they continually say its an ongoing investigation that may take until XX/XX/XXXX. I was never informed of the freeze, which legally I am supposed, and was even permitted to deposit a check with a teller who did not inform me of the frozen account. I am a medical student whose entire disbursement is in my Chase account. Since the freeze on XX/XX/2020 I have not been able to eat, pay my rent, or pay my credit card bills all because of a {$41.00} dispute. Per Massachusetts Law Part I, Title XXII, Chapter 167B - Electronic Branches and Electronic Fund Transfers, I have complied to all of the banks requests to provide evidence that I not only completed a transaction with the person disputing it, but also that I am willing to refund their money if it comes to that because at this point its not worth {$41.00}. Mind you, I spoke with XXXX  XXXX, my former bank that I just transferred all of my money from to Chase and they also thought that what Chase was doing was not only unethical but possibly illegal because I am the victim of fraud. The person who committed the dispute is XXXX XXXX. I have attached the document I faxed to Chase Bank on XX/XX/2020 which includes confirmation of the sale and reiterates the Massachusetts law governing my rights to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TransUnion has deliberately failed to accurately provide or generate a correct credit score and accurate data about accounts and history in my credit report. Also failure to generate accurate credit score that reflects credit activity and history of credit reporting and positive activity for years. This failure has resulted in low credit score and rating due to incorrect assessment by TransUnion. TransUnion has incorrect personal information in my credit report that Ive requested to be corrected and removed but has not been updated yet. These include wrong address and incorrect name and telephone numbers and social security number. TransUnion has ignored several requests to correct these problems and refused to respond. I have been denied access to my personal credit records after I requested TransUnion fix the problem. These errors have caused delays and denial of service and credibility.

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
UNAUTHORIZED INQUIRIES 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 non-monetary relief
Consumer complaint received 2021-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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