BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX. I reside in XXXX XXXX XXXX NY. I have been banking with TD bank for several years. On XX/XX/18 I lost my wallet containing my New York State Identification, Td bank debit card, Social Security card, and other pertinent information. Someone found my wallet and made several unauthorized transaction using my debit card. The fraudulent charges are as follows : {$2700.00}, {$150.00}, {$100.00}, and {$54.00}. all were made on XX/XX/18. I used my debit that morning to get a cup of coffee, and ran a few errands locally and was home by XXXX XXXX. When I started to get ready for my Friday evening events, I realized I lost my wallet. I immediately Notified TD customer service, They alerted me of all the unauthorized transactions, and although I notified them within 3-4 hours of the fraud, I was told the transactions were still pending and I would not be able to file a claim until the transactions posted to the account. The banking specialist said to call back in 4 days to make a claim. I did, I made a claim on XX/XX/18. When I called back a few days to find out the status of my claim, I was told my claim was denied because I made a claim the year before. I have made many phone calls, and written several letters pleading my case quoting their 0 % Liability Agreement, all have been unsuccessful. Because of my failure to resolve this problem with the bank I have been forced to file a civil suit in the XXXX county Small claims court. We have a court appearance scheduled for XX/XX/18 at XXXX XXXX. Index # XXXX. Im hoping you are able to help me resolve this issue amicably with the bank before my scheduled court date. My contact # is XXXX XXXX XXXX. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-01-25
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: Was not notified of investigation status or results

Complaint:
I have submitted numerous complaints in regards to account XXXX in the amount of {$520.00}. This account is being reported twice on my credit report, causing me to have a lower score, which is causing me unfavorable terms. I am also requesting for you guys to provide proof of the alleged item, specifically the contract, note, or any other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the fourth time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-23
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made a payment of {$450.00} to a seller for website updates via the XXXX XXXX. Once I made the payment, the seller did not respond to my texts ( Please find the attachments provided ). The seller did not provide the services that he promised. 

I contacted the XXXX XXXX about this issue. They requested to file a chargeback from my card issuer. 

I contacted Charles Schwab on XX/XX/XXXX with this issue and they helped me raise a dispute. 

I was sent an email on XX/XX/XXXX saying that the dispute was denied. The notice mentioned, " We have no recourse with the merchant based upon the nature of your dispute. This is an authorized XXXX XXXX transaction ''. 

I contacted the Schwab Bank customer service and spoke to a supervisor. The customer service supervisor mentioned the case was closed as a fraud dispute ( whereas this was not a case of fraud but a case of services not received ). I was told she is resubmitting the case for re-investigation as it was previously closed as a case of fraud. 

I was sent an email today ( XX/XX/XXXX ) with the same PDF again mentioning that the dispute was denied ( no changes except the date on the PDF ). 

I am surprised a bank is not willing to support a customer when there is material evidence that the customer was cheated. I was expecting the bank to support the customer and file a chargeback with the vendor. 

As mentioned on the XXXX website, the card issuer can file a chargeback if services were not received but the denial notice says " We have no recourse with the merchant ''. I am surprised that a bank is not willing to help customers who are cheated and protect their rights. 

If it is any other well-known bank, they would have stood with the customer to resolve the issue but Charles Schwab bank is not willing to help the customer even though the customer provided supportive evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2023 my account got hacked for XXXX dollars from a scam company pretending to be Chime Banking which is the bank I deal with after going through the process my money was gone i immediately call Chime the real Chime telling them what happened I filed a dispute for my XXXX dollars the representative told me it would take XXXX calendar days for a decision a few days later I get a email telling me it was no error occurred so no funds will be credited back to my account I contacted Chime again the representative filed a robuttal if XXXX spelling it correctly that was Denied a few days later filed another XXXX on Monday XXXX it was denied this morning I just need some help in getting my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I reached out to the FTC and my local police. I'm also doing this on my own behalf. These items need to be deleted from my credit report XXXX, US Dept ED, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and there is an account on there that dont have a name but the account number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: FISERV INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity end of XX/XX/2023 and opened or applied for various credit cards, bank accounts, loans, credit, etc. I have no further information other than I put a freeze on my credit after receiving denials from XXXX creditors in the mail stating they couldn't verify my identity. This one from XXXX XXXX or XXXX is one that I've actually received collection for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, 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: 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 ( accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX US DEPT OF ED/XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$3900.00} U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2300.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My actual issue is with a debt buyer who after three rounds of letters have refused to validate their ownership of my debt and provide proof of my contract with them to pay. They are also reporting on one of the credit bureaus that I have a late payment of 120 days ( EQ ). This is false and inaccurate information and I request that the below mentioned account be removed from all three of the credit bureaus. 

Midland Credit Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023 I received a debit card from Chime.com, a fintech company. I do not know who they are. I figured out that they or someone had opened a checking and savings account in my name. I have been contacting them to close the accounts and remove my info from their system and they refuse to do so. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: LEXISNEXIS
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:
I found out in XXXX that I had being payment a high car insurance bill because Lexis Nexis has on a report that I had to insurance claim in XXXX from XXXX. The claims are dated XX/XX/XXXX for 2 cars, a XXXX XXXX XXXX ( XXXX XXXX ), which was submerged in the flood of Hurricane Harvey. The other claim for dated XX/XX/XXXX is for a XXXX XXXX XXXX XXXX which I have never owned a XXXX XXXX XXXX in my life. The claim numbers are XXXX & XXXX. I never could understand how my full coverage insurance cost went from {$98.00} per month to {$300.00} per month. Everytime I asked an insurance company why my insurance was so high, they would just tell me that the cost of insurance has increased, until a representative from an online insurance company told me I had 2 claims and that is why the quote she gave me was so expensive. I have tried to get this matter resolved for 2 months and now I am faced with getting on liability insurance until this is resolved because I can't afford the insurance I have been struggling to pay for the past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Experian Information Solutions Inc.
State: NY
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:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-02-27
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/XXXX, XXXX XX/XX/2022, I've sent in a dispute for the following companies through certified mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Due to the 15 U.S. Code 1681g - Disclosures to consumers, they did not provide an updated credit report nor respond within 30 days.

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 2023-12-21
Company: WELLS FARGO & COMPANY
State: NH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX I paid my Wells Fargo credit card. It was an eft transfer from my credit union scheduled for the next day. 

On XX/XX/XXXX the money had not been credited to my credit card. I verified the money had been transferred out of my credit union. 

The evening of XX/XX/XXXX I called Wells Fargo to ask why the money had not been credited. They said they didn't know but it's on hold until XX/XX/XXXX. No reason was given. 

On XX/XX/XXXX I called to try to transfer money from my Wells Fargo checking account toy Wells Fargo credit card. The CSR said it " should '' be available in an hour or so but would not verify that. I did not transfer money because I don't trust it will be there. They have {$400.00} of mine in the ether somewhere.

They have no reason for not immediately crediting the money. I have been a member since XXXX. I have had this card for about ten years. My credit card payments have never had an XXXX. There is no reason for this.

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 2023-08-23
Company: CCS Financial Services, 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:
( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : by the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they indeed do not have my written permission. Any consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information.

" This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Thomas George Associates, Ltd.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The accident happen on XX/XX/XXXX. Advised ( XXXX XXXX XXXX XXXX dba XXXX XXXX ) that, I have full covered and provided insurance information to adjuster at ( XXXX ) and then I received a letter on XX/XX/XXXX from XXXX and provided information again. On XXXX XXXX received a letter from XXXX XXXX XXXX XXXX. However, XXXX didn't contact XXXX for payment for the accident prior to contacting me. Under California everyone that owns a car have to obtain liability insurance coverage to drive on the roads and streets. Both companies have fail to get in contact with XXXX. 

Also, this debt is dispute and served as notice for dispute. Lastly, please stop harassing and threatening me. Cease and Desist notice unless it's regards to XXXX make payment. Once, payment is made you can send me a notice it was Paid in Full. 


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 explanation
Consumer complaint received 2023-08-24
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to XXXX Opened XX/XX/2023 Amount of XXXX I've disputed not known to me. Original creditor have removed off my account but this debt collection wont remove it have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists I do not recognize how this account is reporting on my credit report I don't recognize the account number nor do I recognize the late payments associated with It

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous 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 INQUIRY COMPLETELY FROM MY CREDIT REPORT. 
XXXX  XX/XX/2021

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 2018-09-01
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:
XXXX  insurance sent me two XXXX devices that I never used or wanted. I was then billed for the devices, and later sent to collections for them. I have paid for the devices, and returned the devices which I never even wanted in the first place and I still have negative information on my credit report because of it. At this point XXXX owes me money as I have returned the devices but also paid for them, but worst of all my credit score is damaged. on XX/XX/2018 I paid {$110.00} confirmation # XXXX. Also on XX/XX/XXXX I received an email saying Thanks for returning the snapshot devices.

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 2023-08-24
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Everyday around the same time about XXXX a.m. I get a phone call from either a man or woman and it's always the same man or woman attempting to collect a debt I have repeatedly asked him to stop calling me and I get rude or remarks or hung up on

Company response to consumer: Closed with explanation