BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-14
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: Their investigation did not fix an error on your report

Complaint:
I received notification Equifax, Inc was still working on an issue AND I checked my scores which dropped today from XXXX to XXXX. I received another alert stating my credit score was changed by an update in Equifax. I further investigated the issue. 

XX/XX/XXXX/XX/XX/XXXX did another update for two accounts that settled same day adding erroneous remarks for 3rd parties to view from one dispute to the next that continue to conflict. Equifax does not have a quality control and works against the consumer demonstrating discriminatory practices and affiliated with XXXX XXXX as I am too a member. Every request to remove creditor from my file has been either ignored or causes more damage. XX/XX/XXXX/XX/XX/XXXX showing one account with a credit limit of {$250.00} and a high balance of {$1500.00} when in fact the account was increased from {$250.00} to {$2500.00}, that account was settled over 4 years ago. XX/XX/XXXX/XX/XX/XXXX has made at least 4 to 5 derogatory erroneous updates within a 30 day period over the last 4 months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My account was overdrawn due to money not being deducted properly

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 2022-03-22
Company: Experian Information Solutions Inc.
State: NC
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 disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2019-05-24
Company: Convergent Resources, 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 account doesnt belong to me. This company reported this before and it was removed. now they have added again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CITIBANK, N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2020 Citi Bank closed my account BC of some kind of fraud BC I called and told them my card and phone my purse was stolen so they closed my checking account and never sent a letter or the remainder of funds that was in my account witch was like {$1500.00} or more so when the 3rd stimulus came out my check was linked to my Citi checking account and they deposited it when they had been telling me for almost 7 months my account was closed so ive been calling them for almost 1 1/2 and they tell me something different everytime I call and I still aint aint received my funds that i had in my account when they closed it and I need my money ASAP

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 2023-01-19
Company: ALLIANT CREDIT UNION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I setup an transfer on XX/XX/2023. On XX/XX/2023 they completed the transfer XXXX, resulting in my other bank account going negative. It is XX/XX/2023 and my Alliant Credit Union account isn't showing any funds were transferred over. I have lost a total of {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I keep getting similar emails in my spam folder from Speedy Cash threatening to take legal action against me if I do not pay right away but they never leave a phone number to call and the emails look like it could be a scam. I did take out a loan back early XXXX which did end up defaulting for the amount of {$650.00}, however, I am currently in a chapter XXXX bankruptcy and I remember including Speedy Cash in my filing back in XX/XX/XXXX. Please contact this payday loan company and stop these harassing emails and constant phone calls. I have a spam block on my phone and keep getting weird numbers multiple times a day but they never leave a message. Please investigate and let me know if this is a scam based on true information from the past and let me know what I should do next. I have forwarded similar emails from Speedy Cash to my lawyer and he said this was most likely a scam and not to worry about it but these emails are talking about serious legal actions involving my place of employment so I'm extremely stressed out about it. I've never gotten anything from them in the mail to back up their claims so I don't know if this is legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : $ XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-02-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Last week, XXXX, XX/XX/2022, I received in my home mailbox two sets of checks for TD Bank accounts that I did not open, XXXX letters stating the accounts were overdrawn, and a debit card with a sticker prompting me to activate it. I have never been a patron of TD Bank, nor have I ever applied there. I applied XX/XX/2022, for a new account at XXXX XXXX XXXX XXXX online, but confirmed with them by phone that they had my application and were not affiliated with TD Bank. 

When I called TD Bank, the number on the debit card to activate it, I was curious. I entered the card number, my zip code, and the last 4 of my SSN, and the recording came on alerting me that my information did not match their records and transferred me to a CSR. I gave them the account numbers and told them they were not my accounts, and the debit card number. They suggested I cut up the debit card, which I did. They tried to transfer me to their fraud department, but I was placed on hold for over 75 minutes and could not wait any longer. I hung up. 

Friday morning, the next day, XX/XX/XXXX, I received another pack of checks. Same process, this time I looked up TD Bank 's number on XXXX, verified it was the one I called yesterday, I spoke with a CSR, gave them the account number, they transferred me to fraud, where I remained on hold for 48 minutes. I hung up, called back 3x but have still been unable to speak to anyone at TD Bank in Fraud. Their message just repeatedly says they are short-staffed because of COVID. I looked up the mailing address of the routing number on the checks and sent a letter to TD Bank in USPS mail demanding the same thing I'm asking for here, for my name and credit reports to be cleared of these fraudulent accounts. 

Saturday morning, I received a letter at my place of business from TD Bank in XXXX telling the previous owner of my restaurant to discreetly claim an inheritance due her for a family member who passed away. Now I think I know how they got my name and personal address, we are the new owners of the restaurant, and our home office address is public record in our state because of our business license. 

I have filed a complaint with identitytheft.gov, the consumer finance protection bureau, all 3 credit bureaus, and my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 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 590. 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 XXXX 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.

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 2023-01-19
Company: ERC
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:
This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Nationwide Credit & Collection, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has been harassing me by inaccurately trying to collect debt when I never signed up with them for any type of services. I called XXXX a while back to explain that they have the wrong person for the debt and i wish to not be contacted but XXXX continued to pursue me for debt that I don't know and has even turned it over to a third party Nationwide Credit , Inc in the amount of {$130.00}. XXXX and Nationwide Credit , Inc have violated the law by pursuing me when I never signed any documents or spoke to someone regarding the address I stay at. Furthermore I am not the lease holder nor do I hold a mortgage for the address they have on file so I don't know why they would be billing me especially since I never signed any documents nor did I have a written or verbal agreement. This is a violation of my rights from both of the companies for harrassing me and disrupting my right to privacy. This is a violation of my rights 15 US Code 1681 A4 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 US Code 1 A ) the consumer authorizes the agency to provide such report to such person. 15 US code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: DISCOVER BANK
State: IL
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: Problem with personal statement of dispute

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 




Dates that the fraudulent activity occurred : XX/XX/2018. 


I have filed a fraud dispute with Discover Credit Card XXXX and requested an investigation twice, but they denied my claim both times. 


I am a victim of identity theft and an estimate of {$5000.00} was taken by my company and I was required to pay balance, and this has affected my credit score. The company recently emailed me admitting that they charged my card incorrectly, which I will attach as a document. I have submitted this to Discover as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.

15 U.S. Code 6809 ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The reason I'm complaining is because I have been through everything I know and can do to repair my credit. I have called the credit companies to see why my score isn't growing and never increasing. I now have no collections and no debts. I've added revolving debt. Added anything and everything I could to increase my credit. My question and concern is why does my score go down even when I'm doing good and why hasn't it changed even after taking off the negative items. When I called to speak with them they told me to call a credit advisor they have no control over my score. So who does? Why would I ask the store about my TV when I'm asking the maker? Just doesn't make sense and I really need an answer.

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 2023-01-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/22 the company XXXX XXXX sold a sick puppy to me. Not only were the selling practices unfair and unethical the contract and selling price of the puppy are not the same. As seen in the contract with XXXX XXXX XXXX XXXX the selling price of the puppy was XXXX with a XXXX tax fee. Now on the original sellers receipt which I have added below the sellers price for the Animal was instead XXXX. The contract and original sellers receipt both depict inaccurate information to the sell of the animal. I have reached out to the company on several occasions to alert the dog did not live past the warranty initiated by the original seller. The company then sold the account to a debt collector upon looking over the information. I plan to see higher counsel if the company does not attempt to settle the debt as stated in the contract the selling price and original price are not accurate. The itemized description states puppy the original selling receipt shows that the price listed and the price charged were in fact not the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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 information incorrect

Complaint:
Again, this mortgage company has marked payments as missed payments when they have received the payments. 
Payments for XXXX, XXXX, XXXX, & XXXX were ALL made on time and they reported them as missing payments causing my credit score to plummet. 
This is false information and is highly unethical of this company.

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