BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-05-13
Company: Experian Information Solutions 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 XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX  Account # XXXX XXXX XXXX account # 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 explanation
Consumer complaint received 2022-05-13
Company: Afterpay US Services, LLC
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Afterpay, a company that provides people the opportunity to make several payments for a purchase, has made several unauthorized charges on my credit card. Afterpay has no number to call for customer service. It does show online that complaints can be submitted online I have submitted my complaint several times, but have never received a response. I would like to know the identity of the person or persons who used my card without my authorization. I would like to know the identity of the goods I have been charged for, and the address to which the goods were shipped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Byrider Franchising, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
JB BYRIDER CNAC XXXXXX/XX/XXXX I was told by the dealer if I cosigned I would only be on the loan for 6 months and then after 6 months I would be removed now they want remove me the person who has the vehicle is about to file a XXXX XXXX XXXXnd they won't give me any information and they only reason I put my name on this vehicle is because the sales guy as well as the manager stated my name would only be on their for six months. And here we are in XX/XX/XXXX i have called emailed and no one would help me they used deceptive practices to get my name on the loan know they won't uphold their end of the agreement and my credit is being tarnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
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. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My cell phone was stolen on XX/XX/2023. A police report was filed immediately after the incident. Following the theft, I noticed that suspicious charges were occurring to both XXXX XXXX and XXXX XXXX. I contacted Truist Bank to shut down the account as soon as I realized that fraudulent charges were taking place. Truist credited my account {$4100.00} pending their investigation. I received a letter from Truist dated XX/XX/2023, stating that they had determined that the charges in question " Were authorized and an error did not occur ''. Truist debited my account {$4100.00}, putting me in a negative balance on XX/XX/2023. I went to the local Truist branch and spoke with the manager. He suggested that I send an email to appeal the decision. I attached a copy of the police report and the Police Officers contact information to the email. I wanted to ensure that Truist had proof that a crime had occurred and that an investigation was ongoing. I called Truist Monday, XX/XX/2023, to ask for an update. I was told verbally that my claim was reviewed for a second time and that their decision to deny the claim was final. 

In addition to calling Truist, I contacted both XXXX XXXX and XXXX XXXX. Because I had to purchase a new phone, I lost access to XXXX and was unable to recover information from my old phone. After spending several hours on the phone with customer service to try and retrieve the data, they concluded that they would not be able to assist me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TD bank online account set up prove to be fraudulent. All my personal information was rendered. SS #, acct #, DLicense # info including expiration, email address and password, address, td bank account info and pin, created a password to this fraud online acct XXXX. 
My full name. 
The link was TD bank XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Lewis, McDonnell & Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I sent a letter to XXXX XXXX XXXX XXXX asking them to verify the debt and for any proof that I owed the debt. 

On or around XX/XX/2021, the response I received were the last four digits of my social security number, my name and the original creditor of the debt. He also told me I needed to file a police report if I wanted proof of the debt. 

On or around XX/XX/2021, I again asked for the proof of the debt. I also asked why did I need to file a police report for debt validation. As of XX/XX/2021, I have not had a response to my request. 

I have also tried to contact the original creditor to see if I can get any information but their number listed is not working and the email address comes back undeliverable. I have emailed them at XXXX and the phone number belongs to a company called XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed an account for me on XX/XX/2018, after a claim I made for two charge backs that they made to my account. I recently found out when I asked XXXX for a report, that apart from closing my account, they reported me as a closed account with an unpaid balance and possible fraud. It seems to me an unfair measure, since at the time, I provided them with all the necessary information so that they could verify that I had been the victim of a scam on a website called XXXX. Said bad information contained in my report, does not allow me to open accounts in the main US banks for having that wrong information in my report.

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 2020-04-15
Company: Experian Information Solutions Inc.
State: DC
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:
Experian REFUSES to delete a fraudulent XXXX XXXX Credit Account from 2017 that both XXXX and XXXX both found to be fraudulent during their investigation and removed. Though Experian deleted the collection account associated with this fraudulent account, they refuse to use the same LOGIC and remove the actual account. I have provided direct correspondence from XXXX and XXXX that shows their investigation was concluded and was found in my favor, Experian ignored this and instead refuses to delete!

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 2018-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
So Ive been trying to repair my credit I have XXXX helping me. Well I paid {$1.00} to XXXX for my scores and I was looking at ways to improve and there were a few cards with no annual fee it said matched for you based on my score. If I would have known that it was going to decline my application I would have never even tried. It was misleading and I feel that Im trying to fix my credit not make it worse with hard inquiries The XXXX app should not have posted cards to help repair matched based on my scores. Can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, other accounts still need to be UPDATED. These accounts should be checked by the three credit bureaus in compliance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hopeful that the disputed accounts will besettled. 
XXXX XXXX XXXXXXXX Balance : {$29000.00} XXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I believe myself to be a victim of Bank of America opening a credit card without my permission as they have been found guilty of systemically doing since at least XXXX a court ruled on XX/XX/XXXX. BOA claims they keep no records of account sign up papers older than 7 years and can not produce evidence to support the sworn affidavit to recover fees. BOA claims the account was opened on XX/XX/XXXX which I dispute. They claim to no longer have the document I signed to initiate and agree to terms of the account. BOA claims I signed at branch with a teller but can not tell me which branch, city, or state. I know this date was not authorized by me. 

BOA lied on a signed affidavit as to the account open date.

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 2020-04-15
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive sent debt verification letter for collection. XX/XX/2020. This company lied said they did not receive letter in a recent complaint sent to CFPB. I have tracking info saying otherwise. I have not received anything and have not spoke with them at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: FL
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:
I am a victim of identity theft and I submit to a dispute these items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please REMOVE the reporting of this account in my credit file that resulted from an alleged identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report # XXXX within 30 days. 
XXXX : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX EQUIFAX : Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I originally opened an account with XXXX, a XXXX credit card. Charges made on the card was not all my charges and XXXX was aware of that. The account charged off and let XXXX collection team the account had a {$0.00} balance and the account was sold to another creditor. If this account was charged off and sold this account shouldnt be reporting on my credit report at all and if its going to report it should show completely charged off with a {$0.00} balance.

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 2020-08-19
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company PHOENIX FINANCIAL SERVIC doesnt have any information about me social security number, date of birth, they not even have my name, they trying to collect money from someone named XXXX XXXX and thats not my name, this is a hospital bill and I never was in any hospital never in my life, never used any medical service and I never was sick of anything, so I dont know who this people are, they dont have any information about me and I never sign any paper, I dont know who they are, they keep reporting to the credit report that I have a debt but thats false information I am the wrong person, I called them and dispute the account many times and I get the account erased but they keep reporting and the last time equifax and transunion erased the false info but XXXX did not And now I am frustrated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting to address a matter regarding a prior investigation into certain accounts that harbor inaccurate information. Upon careful review of your response, it has come to my attention that several accounts still exhibit inaccuracies despite being marked as verified. I kindly request your attention to rectify the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5000.00} XXXX XXXXXXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  Balance Owed : {$3000.00} EQUIFAX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$2900.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$3000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
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:
I looked at my reports and saw that XXXX XXXX is reporting an inaccurate charged off account on my credit reports. I have been disputing this account for some time and was able to get this account successfully disputed from XXXX in XXXX of 2022. On top of getting this account deleted I have also found that each bureau is reporting multiple inconsistencies concerning this account on my reports. If all three bureaus get their information from the same place then how are they all coming up with different information including multiple account numbers for the same account? Its obvious that my disputes are not being processed correctly and no proper investigation has been completed concerning this account. This account was also reinserted into my reports by XXXX back fin XXXX of 2022. Per the FCRA, I am to be notified by writing that an account will be reinserted on to my reports 5 days before it is reporting. I never received ANY type of communication stating as such. As a consumer I expect to that the credit bureaus will report accurate information on my reports and properly acknowledge my disputes but its concerning that they are all able to ignore the law and no action is being taken. I am demanding that this account Is deleted as they are not in compliance with reporting on this 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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 did not consent to, authorize, nor benefit from the following inquiries. Block and remove them. 
XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/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 2022-08-08
Company: EQUIFAX, 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:
I have recently reviewed my credit report and noticed an unauthorized account on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, and you were partial. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete the XXXXXXXX XXXX  ( XXXX ) account off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
As of XX/XX/2020 there are two XXXX XXXX charge offs appearing on my credit reports. On XX/XX/2020 I was sent a update on my credit report stating these two accounts were removed, which I do have the proof of removal. For some reason as of today you all have deemed to put those creditors back on my report.

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