BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have had a target credit card and paid my bill using a debit card. I set up auto pay for future payments. I did not realize until I called, after receiving a letter in the mail, that my bills were not being paid. When I called Target XXXX XXXX they said auto pay was not set up and they were sending EMAILS only to notify me. I DID NOT receive the emails or I would have known and paid. I have worked very hard and have great credit. 
I then received a letter from XXXX a debt collector. When I received this in the mail, I called and began to sort this all out. I paid off the bill in full immediately. However, this is also affecting my credit score negatively. When I looked up my credit score it was lowered by XXXX points and also showed that Target reduced my credit limit from {$1500.00} to {$300.00}! 
I have never not paid a bill I owe and I was not receiving the emails they claimed to be sending, and I believe this is unfair. 
I have paid the entire bill off including late fee but do not think it is fair. I would like somehow to have my credit adjusted through the three main credit reporting agencies ( XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Resurgent Capital Services L.P.
State: NV
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:
ACCOUNT : LVNDFUNDING Account number : XXXX This information is being reported incorrectly! 
( Date Verified, Date Last Activity, Date Reported, Date Opened ) Also account was sold to collections agency that is not authorized to do business in my state the account was opened. ( XXXX XXXX Nevada )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am appalled by the Credit Burueas ' ability to ignore a consumer requests for investigation and removal of the the items on my Credit Report despite the multiple letters I have been sendiong to them! The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my Personal Information such as Driver 's license and SSN. I also attached the ID THEFT REPORT I have received from the FTC to prove to the Credit Bureaus that I am a victim of Identity theft. But despite all my efforts to and these attachents, I came to a conclusion that the Credit Burueaus are stubborn enough to not comply with the FCRA section 605b. I have read that the Credit Bureaus are required to remove any account and information that the consumer identifies as an items incurred due to Identity Theft. I am submitting this complaitn through the CFPB to excerciseand protect my rights under the FCRA regulations. If the Credit Bureuas chose not to comply with the FCRA and keep on ignoring my letters, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for their incompetence and negligence. I need the following items removed as soon as possible! 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/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 2023-10-22
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
XXXX XXXX cancelled on XX/XX/XXXX. XXXX continues to try to collect a full monthly payment of {$120.00} for period XX/XX/XXXX through XX/XX/XXXX. XXXX has sent this to a debt collector. XXXX has continued to mail billing statements, send text messages, and call. I have sent a detailed letter to the debt collector with a check in the amount of {$20.00} to pay XXXX for service from XX/XX/XXXX through XX/XX/XXXX. I have sent a separate letter to the CEO of XXXX with a copy of my letter to the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
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. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-07-27
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:
How many letters do I have to send to the Credit Bureaus for them to finally take action and correct the information that the disputed account reports on my Credit Report? I have been disputing the accuracy and validity of the information these accounts report on my Credit File with by sending dispute letters to them hoping that the Credit Bureaus would turn their heads and comply with my requests. The last letter I sent to the Credit Bureuas was dated XX/XX/XXXX and I have not received anything from them which is considerable as a response. I am willing to pursue legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. I am submitting this complaint to protect my rights. I need the following accounts be correcred from my Credit File in order to report accurate only information ; 1. XXXX XXXX Balance {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX Balance {$170.00} Date opened XX/XX/XXXX 3. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: HI
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:
On my Experian credit report Experian added a personal statement from me which is Fraud and the personal statement reads do not extend credit to me and to verify any personal details about myself with this phone number XXXX for XXXX years starting XX/XX/XXXX I no longer have that number XXXX and have filed XXXX disputes online. By mail and over the phone Experian who added personal statement refuses to update my phone number and remove the personal statement that I did not make. The personal statement has caused undue hardship poverty and exorbitant fees on myself and my children The personal statement by law should only be on and on my credit report for XXXX years legally Experian has extended this period to include XXXX mores years in total of 7 years ending XX/XX/XXXX I am unable to get a home loan, school loan and auto loan and a home rental because of this personal statement produced by Experian and added XXXX out my permission with an incorrect phone number and they will not remove this statement nor will they update it with the correct phone number which has affected my livelihood I have had repossessions paid exorbitant rates its like I am bankrupt XXXX a XXXX XXXX of XXXX Experian is the only XXXX one who can add a personal statement or remove a personal statement I have begged pleaded filled out disputes and no one will help me change this information and has caused significant hardship in my life mentally and financially and totally time consuming and nothing changes on my credit report Today I was denied for XXXX XXXX and XXXX XXXX cards which I would have been approved had it not been for this personal statement because the company has to call the wrong number to verify my identity added to my file by Experian Thanks Experian Experian has changed my PIN number passcode XX/XX/XXXX as well this is an Experian insider and I have suffered over a XXXX XXXX dollars in damages

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 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00} Account Number : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
How many letters do I have to send to the Credit Bureaus for them to finally take action and correct the information that the disputed account reports on my Credit Report? I have been disputing the accuracy and validity of the information these accounts report on my Credit File with by sending dispute letters to them hoping that the Credit Bureaus would turn their heads and comply with my requests. The last letter I sent to the Credit Bureuas was dated XX/XX/XXXX and I have not received anything from them which is considerable as a response. I am willing to pursue legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. I am submitting this complaint to protect my rights. I need the following accounts be correcred from my Credit File in order to report accurate only information ; 1. XXXX XXXX Balance {$1100.00} Date opened XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX Balance {$170.00} Date opened XX/XX/XXXX 3. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/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 2021-05-23
Company: EQUIFAX, INC.
State: ME
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 an outstanding debt from The XXXX XXXX, in the amount of {$170.00} from XXXX, on my credit reports. This debt is medical, and I live in Maine. Medical debt is no longer reportable at 6yrs. This debt was easily, within a day to a wk, removed from XXXX  and XXXX. However, when trying to contact Equifax, it has been a 2 month nightmare of incompetence. I called them twice back in XX/XX/XXXX, and after being on hold for over an hour, was told debt falls off in 7yrs. The CSR I spoke with refused to file my dispute! I tried doing it myself online, but their website would not allow me to login. I had to call them yet again, this time just to get into my account. However the CSR did try to address my dispute issue, quoting the same 7yr rule, despite my statements that the other credit companies already ( & quickly ) removed this exact same report, along with any derogatory marks. I chose to file my dispute via their online option. That was around XXXX XXXX. I stated that the debt must be removed immediately, it was beyond the time laws in my state, and it had been done without issue by both of the other credit reporting agencies. When completed, there was a message that they would have a result by XX/XX/XXXX. It is currently XX/XX/XXXX, and I have heard nothing from Equifax. I decided to check on the status. The XXXX XXXX report was just posted, yet again, to my account! Upon logging in to my Equifax account, it states that they made a decision on XX/XX/XXXX. Curious I opened the document, and all it states is that they verified the debt!! There is no evidence on the report of my claim, my comments, or that they were requested to remove this debt, NOT VERIFY IT! They did nothing I requested them to do, nor notify me of the results. I don't understand how the other credit agencies can solve this issue, one within hours, the other within a week, while Equifax requested a month, did not address my complaint, and in prior attempts dismissed and argue my issue as incorrect!?! If it were incorrect, why would the other agencies fix the issue immediately? I am furious and beyond frustrated with Equifax. I do not understand how they are a legitimate agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it again after my complaint last XX/XX/XXXX, XXXX the 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof please verify these reporting accounts : XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1500.00}

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 2022-07-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
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: Personal information incorrect

Complaint:
I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 15 days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2021-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
As recent as last month, I have been requesting to have an old charged off account with Capital One removed from my credit report with no results. This account was wrongfully charged off and I was taken to court by a lawyer for Capital One in 2018. 

They sent me emails threatening to turn the account over to a lawyer and charge it off and ultimately took me to court. 

Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction. I demand this account be removed from my consumer credit reports, credit files and investigative credit reports pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my consumer credit reports, credit files and investigative credit reports immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Throughout this entire process the following violations occurred : 15 usc 1692i, 15 usc 1692e, 15 usc 1692d, 15 usc 1692b, 15 usc 1692 a. Additionally, pursuant to TILA 12 15 usc 1602 g. In compliance with above mentioned laws, I am requesting deletion and financial remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Chime Financial Inc
State: FL
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 around XXXX in the morning I stopped at XXXX to grab a cup of coffee and to use the atm. That day I had been paid my paycheck through payroll on my chime checking account and was going to pull out half of the money to deposit into my cash savings that I have in a lockbox at home. I have done this several times before even at this specific ATM. I pay for my coffee with my card and then went to the XXXX stand alone ATM and started to withdrawal {$400.00}. I went through the entire process of talking in my pen and selecting the amount and so on. Everything went fine until it was time to dispense the cash and a message popped up on the ATM screen stating " there is an issue with this transaction someone has been notified ''. I I took my card and looked in the cash area to see if I could still pull it out or if it had given it to me and the door for the money depositor would not open nor did I hear anything being dispensed. I figured I would not be charged for this transaction but it only took about XXXX seconds for me to get a notification saying that it had been taken out of my account. I contacted both financial institutions, but XXXX themselves it refused to do absolutely anything for me including give me a different number to talk to someone. The transaction went from pending to approved after a few days and I was able to file a dispute. It only took about 3 days and my dispute was denied. This is half of my paycheck that I have worked very hard for and {$400.00} is a huge amount of money to wrongfully be taken from you. I have rebutted this dispute again but I plan to take whoever I need to to court to sue them for emotional distress and get my money back. I've never in my life that this would happen or that it would be so hard to get my money back if something like this did happen. It is very obvious if the video is looked at that the entire time I was in XXXX I did not have cash in my hand nor was I giving any cash or used cash at any point. The investigation needs to be looked in better and I need to get my money back.

Company response to consumer: Closed with explanation