BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX XXXX reorganized in XXXX for financial reasons and my loan was not accessible to maintain online payments and an online request was made to payoff the loan for approximately {$3000.00} via the XXXX XXXX XXXX website. 7 years later, XXXX 's attorney XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX garnished my pay for more than the remaining balance due on the loan totaling {$4400.00} as of pay period endingXX/XX/XXXX. I filed an Exemption with the Court system on XX/XX/XXXX because I am a Single Mother of XXXX children, whose eldest is XXXX XXXX and my income is the only means of support for my children. If XXXX XXXX received a bailout, restructured, making my account inaccessible for payoff, how is it legal for them to gouge in access of the balance due several years later jeopardizing the welfare of my children and negatively impacting my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 second 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. 
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 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

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 2020-03-21
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had previously reported these as fraud : XX/XX/XXXX. XXXX XXXX XXXX. {$1500.00} XX/XX/XXXX XXXX. {$120.00} XX/XX/XXXX. XXXX. {$75.00} XX/XX/XXXX. XXXX. {$100.00} XX/XX/XXXX. XXXX. {$230.00} XX/XX/XXXX. XXXX XXXX. {$82.00} XX/XX/XXXX. XXXX. {$24.00} XX/XX/XXXX. XXXX. {$75.00} XX/XX/XXXX XXXX XXXX {$89.00} XX/XX/XXXX XXXX XXXX {$2.00} XX/XX/XXXX XXXX XXXX {$2.00} XX/XX/XXXX. XXXX XXXX {$60.00} XX/XX/XXXX XXXX XXXX {$94.00} XX/XX/XXXX. XXXX XXXX {$70.00} XX/XX/XXXX XXXX XXXX. {$77.00} XX/XX/XXXX. XXXX XXXX. {$88.00} Total : {$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 non-monetary relief
Consumer complaint received 2017-03-15
Company: Love, Beal & Nixon, P.C.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/XXXX -XXXX a credit card was taken out in my name with XXXX, I did n't find out about this till after I was going through divorce, and had moved out of where I was. I disputed it once i fou d out. I heard nothing back until i got the collection letter from XXXX. I again disputed and requested verification from them. I also coated XXXX myself with them having no information to provide aside account number, and address. A place I had n't been in over 4 years at this time. When asked to prOvid proof of debt, I was mailed a statement with the address I had n't lived at since XX/XX/XXXX. I was then served with a summons from love bealXXXX and Nixon out of XXXX, represented by attorney XXXX in XXXX oklahoma in XX/XX/XXXX. I disputed again, and my dispute was ignored, no verification of debt was given, no signed contract, not so much as a signed credit card receipt. I filed my dispute with court and explained that they have provided nothing to sustaniate the debt. It had to go to court in XX/XX/XXXX, I filed my dispute with the court. No proof was given on court either. A letter from a third party who swears by XXXX business practices says it 's verified, but no evidence was ever or has ever been given. LOVE BEALXXXX AND NIXON CONTINUE to filed motions with the court and a bill that was once {$1100.00}, is now {$2300.00}. They continually try to garnish my check even though my child support was already taking out half of my check. This is XX/XX/XXXX, and they are still causing my life XXXX, trying to garnish bank accounts, and paychecks and have never been required to show one bit of evidence that this is me. They rely on the fact that I am ignorant of the law, and do jot have enough money to hire attorney to fight. I have repeatedly told them this is not me. They will not show any proof, and tells me I have to prove it 's not me. How are they allowed to just take money frim me, and my family with no evidence aside a credit card bill sent to address I was not at any further, and a letter from a third party that neither works for the bank, nor provided any evidence. Please help, they are driving me crazy, I have even offered them XXXX to settle, because I thought there was no other way to deal with this. but they refuse because they can get more through XXXX corrupt court system.and garnishing my bank accounts. I am not able to open an account now, because the levy on my bank accounts made the bank charge me even more fees that I could n't afford resulting in another bad debt., this is causing tremendous stress with my homelife. Please help me. This can not be fair, or legal. If they garnish my check it will not allow me to pay my rent. Which will mean eviction and another bad debt. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO 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 2022-03-24
Company: EQUIFAX, 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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX and I am sending this request without any third party involved and I'm seeking help to address the inaccuracies form my credit file. This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$520.00}

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
on XX/XX/2023 i mailed transunion to let them know i have some things on my credit that i feel should be corrected. I have yet to get any response and at this point feel that my voice is being ignored. Im currently in the process of setting up my family for our future and this is holding things up.

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 2020-03-11
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Ive filed a few disputes with the bank On XX/XX/XXXX because my identity was stolen a total of {$4800.00} was taken out of my account, a check was additionally added to my account that was unauthorized, they did not honor my dispute on XX/XX/XXXX so I asked for the case to be reopen, they told me I wouldnt be able to get my money back until after the case was closed because I asked for credit to be rushed, I call a week later and Im told that my dispute is being closed again because of information they kept leaving out, Dealing with Huntington bank they treated me as if I were the criminal and not only that I lost over XXXX, which is absolutely ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank of America closed all my accounts ( 4 personal credit cards, 1 business credit card and 1 bank account ) by themselves and they stated that I violated their T & C and they state that they have the right to close all my accounts at any time. They also forfeited my rewards that I had earned from the credit cards ( close to {$1000.00} in rewards ) and they would not let me redeem my rewards that I earned it myself. Their T & C clearly state that rewards don't expire and I have the right to get my rewards that I earned and they are supposed to be mine.

When I tried to contact them and asked why they closed my account, they would not tell me or give me any information. I have always paid my credit card balance on time and never had a late payment. I always tried my best to be their best and loyal customer.

Could you please contact them on my behalf and ask them to give all my earned rewards ( close to {$1000.00} in cash value ) and ask them if they can open my account ( s )?

Also, I would greatly appreciate if they can provide a more detailed answer on why all of my accounts were closed before trying to discuss anything with me?

Thank you so much!

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 2022-03-20
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: FL
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, XXXXE Account Number : XXXX, XXXX Account Number : XXXX, XXXX CARD Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account XXXX : XXXX, XXXX  XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, has violated my rights. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to TransUnion Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ChargeOff XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Collection XXXX XXXXXXXX Balance Owed : {$590.00} XXXX XXXX XXXXC XXXX Balance Owed : {$660.00} AXXXX XXXXXXXX XXXX Balance Owed : {$10000.00}

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 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Capital One Bank at the branch in XXXX MD accepted PPE or EIC in the amount of {$130.00} or larger and stated I asked or presumably stated I accepted it by not accepting allowing a credit by not saying I do not want it. It was then credited to my account for 45-60 days and next my business account was sent the funds which was originally in my personal account, at this point that credit was transferred to the business account. After several attempts by phone and in person all staff and customer service representatives denied that this payment was placed in one Account and removed, put in my business account. After several attempts the bank closed my business account and reopened it on XX/XX/XXXX at or between XXXX Est. 

In short the bank is also modifying my communication preference and placed my business account address as the bank address. 
In XX/XX/XXXX I reviewed my business account address as the address where the bank is. 

In XXXX XXXX the bank allowed charges to my account and did not allow a refund after fraud was reported after several attempts the bank has not provided any recommendations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report and Bureaus letters last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 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 2022-02-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent numerous letters asking for validation and have yet to receive proper documentation to validate the alleged accounts. These accounts are hindering my ability to receive a well-deserved promotion in my career. Please provide proper validation or remove the alleged accounts immediately. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
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:
Please see attached documentation regarding XXXX XXXX account ending in XXXX which was deemed null and void, discharged, fully satisfied and which I was exonerated from. 

Despite this debt being nullified XXXX XXXX continues attempts to collect a debt they have confirmed they have no authority to collect, nor are they able to verify.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: EQUIFAX, INC.
State: IN
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief