BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union  or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2023-07-27
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hi, TD Auto finance is not acting like honest creditor. I paid off my complete loan payment according to contract signed and at the end they keep asking little more few XXXX dollars without any further explanation and that bill they did send timely. According to my understanding I paid off all loan including interest and charges more then {$42000.00} and every payment gone by electronically proof. And at the end every single XXXX paid of and I have letter issued by them Paid in full notarized letter but unfair act they did is last payment they received and mentioned that amount charged off without authentication. Even they unreasonable amount I paid them off and their was no reason to mention charged off while they have all money in their pocket. This unfair action and negative act hurting my credit report and restricting me for getting any further vehicle loan. Please take action of this cruelty of TD Auto finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/ SS XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all Security freezes at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I received a total of 5 fraudulent checks from 2 scammers, and contacted my bank regarding this matter. I spent a balance after depositing the first two checks, and already had a balance in my account, so I understand I need to pay the overdraft of my bank account. However, my bank placed a - {$880000.00} hold on my account because of these fraudulent checks and I am just trying to make sure that I will not be charged or arrested for depositing these fraudulent checks, and that my information will not be placed on XXXX which would prevent me from making a bank account in the future. While 3 of the 5 checks were in the process of being cashed, I submitted a cancellation of depositing those checks but they were not accepted, as the balance still showed up in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
AMEX promoted waiving fee on XXXX precheck. So I charged and they would not support my platinum card. But they list it below. When I called for credit, they said my card was ineligible which is very misleading from info below. I could have used my XXXX XXXX and received the credit. But now I am stuck. I think they owe me the {$78.00} dollars. 

XXXX PreCheck is available to American Express Gold Corporate Card Members, Consumer Platinum Card Members, Corporate Platinum Card Members, Business Platinum Card Members, Consumer Centurion Members, Corporate Centurion Members, Business Centurion Members, Delta SkyMiles Platinum Card Members, Delta SkyMiles Reserve Card Members, Delta SkyMiles Platinum Business Card Members, Delta SkyMiles Reserve Business Card Members, and Marriott Bonvoy Brilliant American Express Card Members.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: R & B Corporation of Virginia
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
We were moving after 23 years and cancelling our XXXX account that included a land line, internet and television. In XX/XX/2019, I called XXXX because we wanted to keep the land line number and were advised we could port the number to a cell line, then cancel internet and television. We ported the line and XXXX changed the account number to a new number. I could not log on to the old account, for a period of time, no one at XXXX could find an account. When found, I asked to cancel the internet and phone. The representative advised that the new home owners could use the account and not have installation fees. I said we would let them know. What was not explained is that I needed to call them back that they were not closing the account which is what I called for. I found it unacceptable that they would hold my account open and actually can not understand why a company would expect me to try and get business for them in the first place. When I returned the equipment per their instructions to the store, the clerk advised me the account was not closed and that I needed to call and cancel. Thus extra charges were charged to the account. I spoke to the billing department several times starting and was advised they were elevating it to a different department and would contact me back. I did not get contacted back by them, but the account was sent to a Credit corporation who now says XXXX says it is due and therefore it is due in full. I feel the company acted irresponsibly in not closing the account as asked and now submitting the charge to a collection bureau.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: PA
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:
I am writing to request the immediate removal of late payment entries from my credit report, as they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( a ) ( 1 ). 
According to the FCRA, late payments should not be reported as negative information. However, upon reviewing my credit report, I discovered multiple inaccurately reported late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms. 
I believe these late payment entries are the result of a clerical error or misunderstanding. 
Therefore, I kindly request that you investigate this matter promptly and take the necessary steps to remove these erroneous late payment listings from my credit report. 
As per the FCRA, I expect a response within 30 days, acknowledging the receipt of this letter and informing me of the actions taken to address this issue. Additionally, I request a revised and accurate copy of my credit report once the corrections have been made Thank you for your immediate attention to this matter. 

Please find account below : DEPT OF EDUCATIONXXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
This complaint is to inform the CFPB that XXXX and Equifax are being uncooperative in removing an old account that was sold to another debit buyer. 
The XXXX XXXX XXXXi has sold the following accounts to XXXX XXXX. Account number XXXX. 
Partial account number XXXX When a consumer has multiple collections for the same account listed on their credit report it is considered double jeopardy. This can happen when the debt is being reported by both the original creditor and the collection agency on your credit report or when the debt is sold to another collection agency. By law, this is considered fraud. And XXXX and Equifax are enabling this illegal act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: NRA Group, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
in XXXX XXXX XXXX XXXX was charging me for utilities in an apartment after I had moved out. It was corporate housing for work I was doing in XXXX, MA area XXXX, MA to be exact. When I got the bill I called XXXX XXXX several times to discuss, eventually speaking to them on a three-way call with the apartment complex, confirming that the subsequent renter had in fact changed the utilities to their name and that I had filed the appropriate paperwork upon moving. 

The agent for the XXXX XXXX XXXX indicated that they had corrected the item and nothing further needed to be done. I never received any subsequent bills or statements to my permanent address which I updated on XXXX XXXX XXXX  Website, the Apartment Complex ( XXXX XXXX at XXXX ), and on the phone with the agents. 

This month I noticed an item on my credit report and disputed it with all three agencies. XXXX concluded their investigation indicating that they " validated the debt. '' The XXXX online form does not provide a legal explanation of why I am disputing the debt. I am a XXXX ( licensed in Michigan XXXX XXXX. XXXX ) and provided, in the limited space the best legal summary I could citing the doctrine of Estoppel indicating no actual proof of the debt exist of the debt. 

NATIONAL RECOVERY AGENCY, the collection agency continues to call and harass me. 
Their contact info is : Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, PA XXXX I would like the report removed from all credit bureaus and the record corrected. I have all the documentation as I am an XXXX. The credit bureaus do not allow attachment of documents and any further contact on my part would only serve to validate this false claim. 

I have attached my copy of my final bill the month I moved out.

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 2021-11-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

COMMONWEALTH FINANCIAL XXXX Balance {$1200.00} ; COMMONWEATH FINANCIAL XXXX Balance {$2200.00} ; COMNWLTH FIN XXXX Balance {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: MA
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2021-03-11
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ars LLC says I owe {$200.00} from XX/XX/2020 I am unaware of this account and I have had this removed from XXXX and XXXX  credit bureaus, but XXXX  says they did an investigations as well as XXXX  and XXXX  and this charge belongs to me according to them. 

Please have these removed from my XXXX  credit report as they do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Please note this is a follow-up Complaint to Complaint # XXXX, wherein I was complaining that HSBC would not respond or process my request for past checking account records required for my elderly and ill mother 's XXXX application. 

XXXX XXXX the XXXX Customer Experience Manager of HSBC responded to me in writing on XX/XX/22 to that complaint stating HSBC would send me the requested records within ten business days. I have not receive any records from HSBC as of yet. These records are desperately needed in order to submit my XXXX XXXX XXXX mother 's XXXX application for care that she urgently needs ( XXXX requires records going back 5 years ). HSBC 's non response/delay is DELAYING MEDICAL CARE. 

At this point I believe the bank is not responding because the accountholder ( my mother ) is elderly ( XXXX ) and is XXXX. 

Please assist as I have written HSBC more that XXXX times, called HSBC countless times, emailed HSBC 's CEO, XXXX XXXX, and submitted an earlier complaint to the XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR SIGNED MY SIGNATURE FOR THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS OR INTEREST WITH THESE COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: MO
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:
Equifax is still reporting two old XXXX XXXX XXXXXXXX XXXX loan account balances even though the accounts have been transferred to XXXX and is in good standing there. XXXX and XXXX corrected the accounts but Equifax has not changed anything and does not reply to my letters. 

Because the account is showing up twice on Equifax my debt to income is too high to get a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a copy of my credit report and saw an account reporting as a collection account and a derogatory on my report for XXXX XXXX XXXX with Account # XXXX. This account has no balance because I do not have a debt with these people.

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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. I am writing to express my frustration and disappointment regarding the numerous attempts I have made to correct a persistently late open account with your company. Despite my continuous efforts to address this matter, the issue remains unresolved, causing significant inconvenience and dissatisfaction.

I would like to bring to your attention the following instances where I have sought to rectify the late open account : Despite these repeated efforts on my part, the late open account issue persists, and I have yet to receive a satisfactory resolution. This situation has not only caused me considerable stress but has also adversely affected my perception of your company 's commitment to customer satisfaction.

I understand that mistakes can occur, and I am willing to work together to find a solution to this matter promptly. However, the lack of responsiveness and resolution is unacceptable. I kindly request that you investigate this matter thoroughly and provide a comprehensive response outlining the steps your company will take to rectify the late open account.

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I may have no choice but to explore alternative avenues, including lodging a formal complaint with relevant consumer protection agencies and seeking legal advice. I am asking for your assistance to correct this late open account in my credit file : OFFICE OF THE ATTY GEN XXXX Balance : {$74000.00}.

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 2021-11-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : 1. XXXX XXXX Inquiry Date XXXX XXXX XXXX ; 2. XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation