BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Paramount Recovery Systems, L.P.
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:
I have noticed new collections on my credit reports and these Medical bills reported without any notice. No calls, no mail, nothing. According to the collection law they must meet guidelines before reporting to the credit bureaus. 
I was unemployed at the time these bills were acquired and should have been filed with the medical facilities for assistance for payments. I have never received a call, bill or any information from them and now it's with collections and on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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/2023, advertising on XXXX caught my attention, offering XXXX XXXX puppies on the site https : //poeticcanecorsobreeder.com/available-puppies we always wanted to have. I communicated with the breeder by email and text and got the contract. We did some research online and found that the site is hosted in the XXXX ; the person with the name associated with the XXXX account exists in XXXX, WA, address provided in the contract is real in the XXXX country of XXXX. And we paid for the order through our bank app, XXXX payment method of $ XXXX shipment promised to be arranged for XX/XX/XXXX. On XX/XX/XXXX, we were contacted by the shipping company and asked for an additional {$1500.00}, including {$30.00} for a temperature-regulated crate rent and {$1500.00} as a refundable deposit for this crate insurance that they will refund us at XXXX airport XXXX cash. The transaction must be done on XXXX too. At this point, we suspected fraud and called the number provided by a shipping company. We contacted the seller and asked them to arrange the shipping with the legit company or refund the money. We requested a direct refund with the XXXX option from the person we paid to and got no result. On the same day, XX/XX/XXXX, we put a dispute on the transaction with our Huntington Bank, and they opened case # XXXX and promised to investigate. But in reality, no one investigated anything, and they just brushed us off. They said they closed the case because I authorized the transaction. I gave my authorization to pay for a puppy, but I never authorized the scammer to rob my account for {$850.00}. I never before even had a XXXX account. I opened this option on the Huntington Bank application on the day of this transaction. XXXX and my bank operate at the XXXX border ; therefore, they must follow the same laws and regulations, preventing fraudulent activities using our banks and financial services. They have the ability to find out who is committing these crimes and where the money they sent is. They are supposed to protect and work for customers but not cover up thieves. Could you please help me to recover the {$850.00} stolen from my bank account with no service or goods ( well, a puppy in my case ) provided? 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
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: Their investigation did not fix an error on your report

Complaint:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TD BANK US HOLDING COMPANY
State: VA
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:
Well this is awkward, the company TD Bank has yet to pay the escrow amount to the owner. As of XX/XX/XXXX, the entire mortgage amount was PAID IN FULL, and therefore the company TD Bank had NO OWNERSHIP in the property. However, they had collected escrow payments in the amount over {$6000.00}. These finds have not been paid to the rightful owner of the property and as of XXXX they appear to be delinquent by over 89 days. Please report the record the TD Bank Mortgage company ( Operations Center, XXXX XXXX XXXX, XXXX, ME XXXX ) as delinquent by 90 days in returning their escrow funds. I have been gracious in letting them know multiple means including a closing company, they are not the owner, and they have been informed by multiple people they no longer have any ownership stake in the property ; however, those funds have not been deposited and therefore are considered delinquent. Since these funds amounts are over {$5000.00}, please let me know if you would consider this a criminal matter or whether it should be referred to a fraud division.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On or about XX/XX/2023, I requested, via email, that TD Auto Finance reduce my interest rate on my auto loan under the Ohio SCRA which differs from Federal SCRA and apply interest rate credits accordingly. I attached my Ohio Active Orders to my email. 
Ohio SCRA Section 7.1. specifically states : To help ease financial burdens created by active military service, Section 527 of the SCRA provides servicemembers with a 6 % interest cap on all debts incurred prior to XXXX XXXX, interest cap on all debts, not just those incurred prior to XXXX XXXX [ emphasis added ] On or about XX/XX/2023 I obtained a letter via USPS requesting a copy of my Ohio Orders which I provided my Orders again and returned on or about XX/XX/2023 via USPS tracking and TD Auto Finance received XX/XX/2023. 

On XX/XX/2023, I contacted TD Auto Finance for a status and was told to contact a representative and was provided a telephone number to call. When I called the message stated that all representatives were busy and I could not leave a message after holding on for several minutes. I have not received a response from TD Auto Finance regarding the SCRA for current/ future payments and credits. 

I am requesting a status of the interest rate reduction and credits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
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:
There was a total of XXXX fraudulent checks used to withdraw money from my XXXX XXXX Checking Account, in addition to XXXX fraudulent debit. All of the checks/debits were in the amount of {$200.00} with the company name on the check being : XXXX XXXX XXXXXXXX and the signature not matching my signature. The total amount stolen from my account was {$1800.00}. The dates of the fraudulent activity were : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I did not notice this fraudulent activity on my account, because the amount per transaction was relatively low, I was not receiving paper statements in the mail, and I did not check my online account due to this being a side business of mine. When I noticed the fraudulent activity, I immediately notified Huntington, froze the account, and later closed the account. I went into my local branch in XXXX XXXX, Illinois and spoke with the branch manager. I filled out and signed an affidavit in XXXX of XXXX. I also filed a police report on XX/XX/XXXX at the XXXX Police Department. After filling out the affidavit at Huntington bank back in XX/XX/XXXX, I received an email on XX/XX/XXXX from XXXX XXXX ( XXXX XXXX XXXX ) stating : " Huntington has determined that we were not provided notice of unauthorized forged item ( XXXX ) within 30 days after your statement ( XXXX ) was made available to you as required by the Rules and Regulations that govern your accounts with us ; therefore, Huntington now considers this matter closed and any further dispute related to this transaction should be directed to the third party. '' My Huntington case number is : XXXX. I responded to the email from XXXX XXXX on XX/XX/XXXX asking to be reimbursed for the money fraudulently taken from my account and was contacted by XXXX XXXX XXXX ( XXXX XXXX XXXX ) via phone on XX/XX/XXXX saying Huntington stands by their decision and there is nothing more they can do to help me. Huntington and the other banking institution ( s ) who processed these fraudulent checks should have a ) noticed that the business name on the check was not the business name registered to my Business Checking Account at Huntington, b ) noticed the signature did not match my signature on file for my Business Checking Account at Huntington, and c ) noticed the check numbers skipped from the legitimate checks I was using for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
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.

n 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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name. Capital One, ( Account number XXXX Account name XXXX XXXX Account number : # XXXX, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 f 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. their Also not licensed To Collect Debt in the state of Iowa They are Required by the law to be licensed to collect Debt in the state of Iowa. 

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 explanation
Consumer complaint received 2023-08-02
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Account was hacked into and taken money from my checking account in 2020

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 2023-08-05
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan with TD auto finance US. I have regularly paid my monthly fees on time including XX/XX/2023 by scheduling it well in advance before the due date. Furthermore, I checked my online account and discovered that my account wasn't current that I still have an outstanding fee to pay. I reached out to TD auto finance and the customer service representative promised me it will be rectified within XXXX business days. Up till now, I am back and forth with TD auto finance and they keep transferring me around. I have sent them several messages on my online account and they kept promising it will be reversed. XXXX of those days, I was put on hold for about XXXX hour with no apologies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2019 some one stole my wallet with all my records of identification including my social security card credit cards ID .... Some one has opened a account in my name in charged the amount XXXX in debt... I went to open a account and was told I can't open one due to this action ... At the time of this action I was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: VA
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:
this is a XXXX XXXX thing where you arent actually receiving a loan but paying yourself {$35.00} a month and you will receive the money back at the end of the term of the two years. XXXX  terminated my account when there was an issue withdrawing my payment, and they still report it at 60+ days past due. XXXX ) this was never money owed to them ; XXXX ) I wanted to participate in the program but they terminated the account but are still reporting it past due

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: DE
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:
My name is not XXXX they keep using this name as my name is just XXXX I am very unpleased with this Ian very up set its plain I gave my state Id so it could be updated dated and they send a letter with the same name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Why has your bureau not taken immediate action to delete the fraudulent accounts as soon as an identity theft complaint was filed? HOW CAN YOU JUSTIFY CONTINUING TO REPORT ACCOUNTS THAT HAVE BEEN IDENTIFIED AS FRAUDULENT BY OTHER CREDIT BUREAUS AND ACKNOWLEDGED AS SUCH IN MY IDENTITY THEFT COMPLAINT? DO YOU COMPREHEND THE SEVERITY OF THE CONSEQUENCES I AM FACING DUE TO YOUR NEGLIGENCE IN RESOLVING THIS MATTER PROMPTLY? I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite the gravity of the situation, the accounts in question persist on my credit report, undermining my financial standing and causing irreparable damage. 
XXXX XXXX XXXX XXXX  XXXX PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX  XXXX PLEASE DELETE!!!! 
I demand the immediate deletion of the fraudulent accounts from my credit report. Your failure to address this matter expeditiously constitutes a blatant violation of the FCRA and an infringement on my rights as a consumer. I insist on a written confirmation of the removal of these accounts within the shortest possible time frame

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 2023-08-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: MO
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:
Unverified account is still reporting on my credit report which is a clear violation of federal law. I sent a letter and and there is no response yet. Credit Bureaus failed to comply with the relevant companies listed below. I am sending this complaint to seek for your assistance to help me remove the concerned account for it was found inaccurate and unauthorized. 

XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX has a total of 6 medical debts under {$500.00} still reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$55.00} ( This has been paid in full ). 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$120.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$120.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$65.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$87.00}. 
XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$34.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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. 

has violated my rights. Or a list of inquiries : 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 2023-07-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT- I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
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 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : ) XXXX Balance : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation