BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-31
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by TD Bank. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 
I am sending this letter because I am very concerned. There is a late payment reported on my account on XX/XX/XXXX. I want to explain that I was not actually late. There was a third party company that was supposed to make the payment. 

I realized that I was reported as late, and I decided to contact this company. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter that I have attached. 

Also, by the time of the late payment, I was affected by XXXX. People in home came down with the virus too and due to this I was not checking mailed statements. 


Account : Balance {$100000.00} Opened XXXX XXXX, XXXX, I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: Experian Information Solutions 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:
I had disputed a remark that was on my XXXX credit report in regards to my XXXX charge account. The remark was removed now upon checking my report again XXXX  has re-inserted the remark again and it caused my credit score to drop again. This remark does not belong on my credit report. I had cleared this issue up with XXXX XXXX XXXX months ago.i dont no why XXXX  put this remark back on my report. This is wrong information.

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 2020-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt PORTFOLIO RECOV ASSOC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: GA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XX/XX/XXXX XXXX Balance Owed : {$0.00}.

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 explanation
Consumer complaint received 2020-12-31
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On around XXXX on XX/XX/2020 I woke up to see that on my Chime Checking Account someone had hacked into my account and used the Pay Friends feature to send themselves {$810.00} of my money to their account without my consent. I have placed a police report, and a dispute of the charge through chime and I am awaiting a resolution. They dont seem to have good communication nor do they really seem to care about getting your money back to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
As I was checking my credit I noticed multiple accounts that I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On or about XX/XX/2021 Regions Bank closed my checking account for being overdrawn over 60 days which they caused to be overdrawn by excessive fees as I live and reside in XXXX Mo and we don't have a atm here and closest atm or branch is in XXXX MO or XXXX MO over XXXX away! They also never notified me in any form they would be closing account. I was suppose to receive direct deposit from Mo Unemployment XX/XX/2021 which was rejected! Therefore their actions caused me economic harm by putting me into a economic hardship during COVID-19 pandemic.

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 2021-04-06
Company: CL Holdings LLC
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:
On XX/XX/2020, Jefferson Capital System add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditors did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mine. According to the FCRA, Jefferson Capital System has violated my rights as a consumer and Im requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was selling a furniture ( desk ) on XXXX XXXX. This guy named XXXX XXXX messaged me saying he's interested in my desk. He said he'll send the payment so he asked me for my email address and my name. I sent him. 

He came back to me saying he had to pay additional {$200.00} to upgrade my account to XXXX business account. I also got an email that says " XXXX, '' so that he can send me money through XXXX. He was in rush, so I sent him {$200.00} and showed him the transaction. 

But then, I received another email saying that I need another {$300.00} to complete the payment to upgrade my account. I thought that was suspicious, and that was when I realized it was a XXXX  account not XXXX 's official account. 

To me, this is a very new case that I've never heard of. I should've checked closely but because I had so much things to do in mind, I overlooked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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:
See document attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31
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:
XXXX, XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2700.00}

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 explanation
Consumer complaint received 2021-06-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has not updated my credit account, credit report, and credit score. I filed a dispute on XX/XX/2021 then another XX/XX/2021 and I have not received and updates in my credit report, credit score and credit account. My credit report has not been updated since XX/XX/2021 with Equifax. A "? '' is reflecting on my credit report in place of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Citibank checking account was closed shortly after I deposited a check, around the date of XX/XX/XXXX. 

I called the company on XX/XX/XXXX and was told I deposited a " stolen check ''. 

The check I deposited was not stolen. It was a gift from my parents. I'm a single mother and am going through a difficult time financially, so they sent me some money for my birthday. 

Citibank immediately restricted access to my account and sent me an email stating that my account was closing and that my debit card was canceled. 

I called Citibank and spoke to XXXX different people. XXXX of them called the sender of the check and verified that it was not fraudulent. He stated he could not reopen my account, though. 

So, I started out being a struggling single parent and now I'm literally a broke single parent. 

This is unacceptable. I did not commit any crime or violate Citibank 's agreement in any way. 

I need my account opened so I can get to my money. 

Thanks.

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 2020-12-30
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2012 with a balance of {$10000.00} -This is not 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 2023-09-25
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act the accounts below have violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX and account XXXX had violated my rights. 
15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the info is accurate. 
The open dates for these accounts are different across the three bureaus. Also it seems that this company has reported this dance debt as new a few times. I have this same account for the same amount with the same hospital on my credit report reported again as new this month. That account number is XXXX. One of the accounts that I'm disputing above was supposed to be off my report next year. The account These inaccuracies are doing me from buying a home for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The months of XXXX, XXXX and XXXX I have made them at the end of each month and they are within the time limit established so as not to be reported to the credit companies as late payments. For example, I paid the month of XXXX, XXXX and XXXX on XX/XX/XXXX, XXXX I paid it on the XXXX and XXXX I paid it on the XXXX. I understand my payment date is the XXXX of each month and I am late but I do not exceed the month and the Company charges me {$35.00} for not paying on the XXXX of each month.

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 2021-04-20
Company: Experian Information Solutions Inc.
State: MD
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:
I have made many attempts to dispute errors on my Experian credit dated XX/XX/2021, by way of telephone and to date Experian has block consumers from calling and speaking with a representative. 

Each time I have attempted to reach out to Experian by way of telephone I am send to a maze of options that then blocks consumers from ever reaching a representative. 

During Covid-19, consumer are suffering financially and need quick access to consumer reports and ability to dispute inaccurate information contain in credit bureaus files that is blocking consumers from receiving lines of credit. 

Experian is refusing to take telephone calls and answers consumer question forcing a timely delay in place alerts and removing negative information. 

Therefore, I am asking the CCPB to enact or enforce laws to prevent this abusive business practice of not taking consumer telephone calls and forcing consumer to go into post offices during covid to dispute information, not all consumer have online access therefore should be able to speak with a representative by telephone and dispute inaccurate information.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was going over my credit report and the following addresses are all wrong and need to be removed off my credit profile. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX the only address that should be on there is 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 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Id like to file another complaint against XXXX again. It took them over 10 months to resolve a fraud case that occurred on my account. Initially, they wanted me to pay {$5600.00}, and I told them that Im refusing to pay that amount because Im protected under the fair credit bureau act, and the legal authorities all confirmed that I dont owe a dime to them because theyre the victims now. They would lie about my statements being over {$4000.00}, so I would draft that amount out of my XXXX XXXX account and pay them, that balance would never drop, and when I called them they said they never received a payment, but theyre using underhanded tactics to scam and try to get more money from me. They would send me fake emails saying thanks for paying {$84.00} when I never paid them that amount saying that it was probably auto draft payment, and thats a lie because I never enrolled in auto draft options. They would re-open a closed account and send me a replacement card after I filed for fraud, which made no logical sense saying that was the default option meaning that they would take my personal account and make changes without my permission or knowledge beforehand and make things up as we go. So, I would have to call back and close the account and reject the replacement card because I never consented to such illegal activities. It took them 10 months to resolve fraud activities on my account which had detrimental effects on my credit score. It went from good standing XXXX something down to XXXX because it took them that long to figure out the fraud activities on my account. Now theyre asking me to send a final payment of {$1600.00} which I would like to dispute because theyre disregarding the laws and rules here that protect consumers from any liabilities related to fraud. So, Im filing this complaint because ( 1 ) My credit score got messed up because it took them a long time to resolve a fraud claim ( 2 ) Theyre asking me to pay more money which Ive compensated them enough for in the past by forwarding over {$4000.00} that shouldve covered the balance that never dropped a few months ago, and theyre denying to recognize that Im protected under the law from fraud and any charges thatve accumulated.

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 2018-10-12
Company: CAVALRY INVESTMENTS, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been dealing with Calvary Portfolio Services and their representatives, XXXX XXXX XXXX for over 7 years on a debt they purchased for pennies on the dollar. In XX/XX/XXXX, I made an offer to settle debts, after them having collected sums over the years, for a sum of {$5000.00} which was an amount I was barely able to gather. They refused the sum and countered at {$30000.00}, not entertaining any other viable and reasonable negotiations. Their representative from XXXX XXXX XXXX proceeded and placed a garnishment on my wages which grosses me, on average, less than the take home of a person on minimum wage. I asked again, in writing, that they end garnishment on XX/XX/XXXX as they have collected over {$26000.00} from me toward the debt and I felt this was a fair and reasonable resolution. The only response was a " Thank You '' for my email and I'm on the edge of my finances going past 30 days, barely enough for food and on the brink of bankruptcy. All I ask is for them to consider and resolve the matter as outlined a year ago. They have no inventive and continue to steal money from my family as I work hard to make it.

Company response to consumer: Closed with explanation