BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: WI
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 submitted a dispute to Equifax on XX/XX/XXXX requesting deletion of a closed account on my credit file. This was an account that was open and never used. Having never been used, it only ever reported with positive payment history until it was eventually closed by the issuer for inactivity. Again, the account was never in any negative or delinquent status. The only reason I requested this account be removed was simply because it had been closed for 7 years. On XXXX, I received the dispute result from Equifax. Not only did they not delete the account per my request, they updated the payment history on the account showing multiple 30, 60, 90,120, and 150 day late payments in the year XXXX and as recently as last month. Since this account was closed in XXXX and never had a balance, it would be impossible to have late payments recorded of any kind in XXXX and XXXX. When I called the original creditor ( XXXX XXXX  ), they informed me they have no record of this account associated with my SSN at all and are therefore unable to issue any kind of correction. As a result of this error, my FICO score has dropped XXXX points. I have received notice of adverse action on two of my active credit card accounts indicating my credit limits have been reduced as a result of this. This is a serious error that has already yielded negative consequences for me and the only thing Equifax offered to do was to " Re-dispute '' it when I spoke with them on XXXX. In the meantime, my personal credit record is left to suffer while their computers process the dispute. This is a problem that clearly requires human intervention and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX The aforementioned accounts have 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 instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Account XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX 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 instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-05
Company: First National Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1 ) Recently received debt collection letter from XXXX XXXX XXXX XXXX XXXX , XXXX ; dated XX/XX/2018. Referencing XXXX XXXX Bank Card XXXX XXXX ; Total {$11000.00} ; ref no. XXXX ; current creditor ; XXXX , XXXX 2 ) respondent has not owned a credit card in 10 years ; statute of limitations for Florida and Georgia is 5 years and 6 years respectively. 

3 ) respondent did send out a debt validation letter and cease and desist letter but the company First National Debt Collection Bureau , Inc has no working fax number and has two addresses one in XXXX, NV and another in XXXX, PA. All information on the company is hard to find and most likely old and out dated. A ghost of a company. So I am not sure if my debt validation letter or cease and desist letter will get to their proper destination. 

4 ) I dispute the claimed debt as not verifiable and way beyond any statue of limitations for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm writing in response to a notice I received regarding an alleged debt related to XXXX. Under the FDCPA, I'm requesting a validation of this debt. 

I dispute the validity of this debt for the following reasons : -I have not received sufficient information to verify that this debt is legitimately owed by me.

-There has been no clear accounting of the amount claimed to be owed.

-I have not been provided with any agreement that bears my signature, indicating my agreement to pay the alleged debt.

-In accordance with the FDCPA, I request that you provide the following information : -A detailed and itemized statement regarding the alleged debt.

-Proof of your authority to collect this debt.

-Any agreement that you claim exists which obligates me to pay this debt.

-Verification of the date of the original delinquency.

Please note that this is not a refusal to pay, but a statement that your claim is disputed and validation is requested. During the validation period, any collection activities and reporting to credit bureaus should be ceased as mandated by the FDCPA.

If your office fails to respond to this request within 30 days from the date of receipt, this request will be deemed as an acknowledgment of the invalidity of the claim, and I expect the immediate removal of this matter from all credit reporting agencies.

Thank you for your attention to this matter. I expect your response in writing within the statutory time frame. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am deeply concerned and unsettled by the presence of public records on my credit report, especially considering that I have no knowledge or involvement with them.

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 2023-09-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The Claimant Terminated A USAA Federal Bank Checking Account {$350.00} by Final Disbursement by XXXX Mail and is Currently Investigating Fraud with XXXX XXXX XXXX  XXXX Fraud Department XXXX NC A Fraud Department Investigation is Currently Under FBI Investigation with An Unresolved {$12.00}. 50 Illegal STOP PAYMENT FEE that USAA Bank Fraud Agent is Investigating illegal Third Party Anti Trust ViolationXXXX XXXX XXXX XXXX XXXX New York NY The Claimant has Not Resolved this Character Assignation Malicious Financial Attack for THREE Years and Requires USAA Federal Savings Bank Investigate Fraud Waste and XXXX with Texas Attorney General XXXX XXXX Immediately! 
Investigate With Impunity XXXX XXXX XXXX XXXX DUE PROCESS of LAW

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
Dear Transunion, I received a letter via mail from XXXX XXXX XXXX stating that I owe XXXX dollars to settle the account. They also stated that they have previously verified and validated this debt and will not continue to validate or verify. Sending me a letter saying its verified is not concrete evidence as I demand original contract with my wet ink signature the contract that I have with XXXX XXXX regarding this debt. If they are unable to produce this information to Transunion and also me via mail the account should be removed from the credit report immediately.XXXX XXXX has also violated 15 USC1692 c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The paperwork XXXX XXXX  XXXX sent clearly states this is communication from a debt collector. I will upload the evidence stating my claim. I have never gave XXXX XXXX written expression to contact me about this debt. The said account of XXXX be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: General Motors Financial Company, Inc.
State: NV
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 have loan with GM FINANCIAL. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
GM FINANCIAL XXXX Open Date XX/XX/2018 Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To every account on any credit report and any debt collector ; This notice is addressing all Credit Reporting Agencies and third-party debt collectors who has participated in obtaining the personal information of XXXX XXXX XXXX The information that you have provided in which you reported verified the party 's ownership of debt is expected to be removed immediately. There was never at any point any consent given for the presence of any accounts pertaining to XXXX XXXX for information to be used such as name, address, consumer relationship, work history, reporting of transactions. In practicing these actions, you are infringing on the fair credit act. The FCRA protects the privacy of consumers data, according to 1681 c-2 it is classified as identity theft. There is no binding contractual agreement between XXXX XXXX, and any account of the busines ( XXXX ) reported on any of the credit bureau or third-party collection agencies credit reports. Therefore, XXXX XXXX never received any sort of check, loan, or monies of any nature from any account name on these reports. This counts as misrepresentation resulting to damages to XXXX XXXX causing loss and harm. NOT ANY agency has provided proof of ownership.

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 2018-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was going over my report I found some account and addresses on my file that do not belong to me. I am in the process of filing a police report. I have never lived in XXXX OHIO. The following addresses need to be removed from my credit report. Someone has been applying for account for credit/business in my name. 
My name is XXXX XXXX XXXX My current and only address is :XXXX XXXX XXXX XXXX, OH XXXX My phone number is XXXX please DELETE/REMOVE the following addresses they are not mines : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The inquires are not mines please delete/remove XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 2018-08-04
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In XX/XX/XXXX I opened a checking/debit and also a savings account at TD Bank. The two accounts were linked and were supposed to draft from the savings if the checking/debit had insufficient funds. Well my wife went into labor and we had a new baby girl. When the whirlwind of that process died down. I checked my TD Bank balance as I believed I may be close to depleting the checking/debit balance. 
What I found were multiple {$35.00} fees for overdraft near {$200.00}. They also manipulated the sequence of purchases to maximize the {$35.00} fees ( ie ; {$1.00} for a coffee was moved to cause a {$35.00} fee before new funds were added. Furthermore, the accounts were supposed to be linked, I had the money to cover every single purchase I made, in my savings account. 
What happened next was even worse, the customer service reps gave me the run around for weeks. Finally as supervisor told me only a branch manager could reverse those fees. I went to the XXXX, MA. branch on XXXX XXXX. Despite my explanation the manager only refunded {$30.00}. 
Feeling defeated and facing 30 days I paid the fees even though I knew I wasnt liable for them. 
Two years later, I received a letter from TD Bank stating that a third party audit found that I wasnt liable for the fees!! Included in the letter was a check for what I paid plus interest. Great, I thought case closed they realized their error and made it right. I threw out the file of logs and paper I had proving my case. 
Turns out that around that time in XX/XX/XXXX TD Bank reported me to the XXXX as Flagged for 1.  Overdraft 2. Account abuse. As a result I was declined in opening an account for my now XXXX year old daughter. Apparently I would have been declined if I tried to pay for groceries via check or tried to cash a personal check somewhere other than my bank. 
Even though they reported on XXXX that the account was paid in full it also said, charge off. 
I called TD Bank got the run around and was finally told we have no record of you being paid back the fees or any letter sent. They then went on to say they dont have the authority to make changes on the XXXX. When I asked for a supervisor who did have the authority they said my only option to speak to one is a callback within 24hrs. I left my number and sure enough, they never called. Im not sure what else to do and hope that your office could help me, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: CORELOGIC INC
State: IL
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:
XX/XX/2023 XXXX shows an an inquiry on my credit report This was unauthorized and I didn't request any of this company 's services.

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 2023-03-31
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, On XX/XX/XXXX a payment in full of {$250.00} was made to my Macy 's account, after which a return of {$47.00} was made and credited to my account. On XX/XX/XXXX I chatted and spoke with XXXX XXXX to request a refund check for this credit balance. She stated a refund would be received with in 7-10 days and a confirmation email would be sent- which I received stating a refund check was issued and will be received in 17 days. 
I followed up on XX/XX/XXXX with a chat with XXXX XXXX XXXX confirmed a refund was issued on XX/XX/XXXX. I pointed out that the credit balance still shows on my account. He then stated he would raise a dispute and again I was assured that a check would be delivered within 7-10 days. To date, XX/XX/XXXX, I have not received a refund check, however, the credit balance has been removed from my Macy 's account, currently {$0.00} balance. 
As you can calculate, this has so far been a process of 8 weeks, confusion and a lack of follow-through on the part of Macy 's protocol, management and employees, and phone holds that last 30 minutes plus. Disappointed and frustrated is an understatement when I have been a Platinum customer for years, and I have made my payments promptly to Macy 's! 
I certainly hope you can assist me with this seemingly minor situation. I am able to summit copies of chat conversations with the above employees of Macy 's if needed. 

Thank you so very much for your time and assistance! 
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 monetary relief
Consumer complaint received 2022-06-02
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, cyber criminals hacked my grand daughters laptop and cellphone. She is co-owner of my Wells Fargo account. We notified Wells Fargo immediately, on XX/XX/XXXX. 

They took {$4800.00} from my Wells Fargo account via wire and about {$300.00} via XXXX. 
I contacted Wells Fargo and they refunded all of that stolen money. 

About two weeks ago, Wells Fargo decided that they made a mistake in refunding the {$4800.00}, and they took that money out of my account. They sent a letter saying that i am responsible for online wires " whether or not actually authorized '' Regulation E says that they have to reimburse money taken as long as they are notified. 

When Wells Fargo took my {$4800.00}, they were in violation of that law.

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 2023-03-31
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2023 I asked 3 credit bureaus to verify my information and they did. I researched and found improper inaccuracies on my 3 credit reports after they completed their thorough research. The account name is XXXX XXXX XXXX account number is XXXX. In accordance with Fair Credit Reporting Act XXXX XXXX XXXX  account number XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation