BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting 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 Statement is to inform you that i have reviewed a copy of my credit report and this complaint is to inform you that you are reporting inaccurate and incomplete credit information. According to Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that you post of my credit report. I have never been notified of this collection. Under the FCRA 15 U.S.C 1681i all unverified accounts must be promptly deleted. Please don't respond to my request by saying that these accounts have been verified. delete them immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: Fairway Capital Recovery, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When I answered the phone call I thought a medical company was calling me. She never stated that she was attempting to collect a debt until after she asked me my current address. And of course I gave my current address believing it to be in regards to a recent medical test. The company that called was Fairway Capital Recovery. 
After asking if it was XXXX XXXX calling me, she then stated the whole " this is an attempt to collect debt '' after asking my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: Experian Information Solutions Inc.
State: HI
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:
XXXX XXXX XXXX {$2000.00} Highest Balance {$6000.00} Account Dispute Payment never late FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report. I will enclose in my attached documents, with wrong names, addresses 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
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-10-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 Reporting Act, this creditor XXXX, and Equifax has violated my rights Under 15 UCC 1681 section 602 states that I have the right to privacy. 15 USC 1681-section 604a- section 2 states that a consumer reporting agency can not furnish an account without my written instructions. under 15 USC-1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
TD Bank statements are coming to my home alerting me of overdrafts for small amounts of money ( XXXX ). I do not bank with TD Bank. 

The statements I received indicate someone has opened two different accounts using my name and address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: EQUIFAX, INC.
State: VA
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
last month, XX/XX/XXXX, ive noticed that i had a few accounts as well as addresses and accounts on my credit report that i have not made. I have outlined the transactions that do not belong to me nor have i made any them on my behalf. 
i Know that my information was part of the XXXX XXXX XXXX because i received a letter in the mail from XXXX letting me know that i have been exposed. To this day, XX/XX/XXXX, I am still dealing with repairing my consumer file. This is also stopping me from fulfilling my career employment due to this holding me back.

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 2019-09-18
Company: ENCORE CAPITAL GROUP INC.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019 Call me at XXXX XXXX C.t. XXXX They would only say ( MCM ) Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been a victim of identity fraud and my information was exposed on several different data breaches there is information on my report that is incorrect and I have asked to be removed items that do not belong to me wrong names addresses and lots of inquires These things have been hindering me from obtaining credit and causing great hardship to me There is also incorrect employment information these things make it easy for thiefs to keep applying for things in my name

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 2020-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have disputed the inaccurate reportings with TransUnion, XXXX   and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX XXXX and XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXXXXXX : TransUnion is reporting a payment status of 30 days late, XXXX and XXXX are not reporting this account, XXXX   XXXX : TransUnion is reporting a payment status of 30, 60, 90 and 120 days late, XXXX and XXXX are not reporting this account. XXXX : TransUnion is reporting a payment payment status of 120 days late, XXXX is reporting a payment status of 30 and 60 days late, XXXX  is reporting a payments status of 30, 60, 90 and 120 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX and XXXX are reporting an opened date of XX/XX/XXXX, XXXX Account Number XXXX TransUnion and XXXX are not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX, XXXX XXXX XXXX Account Number XXXX TransUnion is not reporting this account, XXXX and XXXX are reporting opened dates of XX/XX/XXXX. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXXXXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed this fraudulent account to XXXX and its third party collection company and they continue to re report this fraudulent XXXX Account to my report. I got a divorce and moved from XXXX XXXX XXXX in XXXX. XXXX says this account was opened in XXXX. When I left we had XXXX XXXX XXXX. If there was a XXXX there I DID NOT AUTHORIZE it. This is not the first account that was opened fraudulently in my name without my knowledge by a person of trust. The dates are inaccurate and the information is fraudulent.

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 2023-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My money was fraudulently transferred out of my Bank of America unemployment debit card XXXX dollars and Bank of America refuse to pay me back I made police report notarized documents reopened my claim XXXX  times after being denied last time I reopened my claim was XXXX XXXX and still havent heard anything

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 2022-11-08
Company: EQUIFAX, INC.
State: MD
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 am a federally protected consumer as defined under the FCRA. XXXX XXXX, XXXX, Equifax, and XXXX are financial institutions as defined under 15 USC 6827. None of these companies ever provided me with the adequate disclosures required by law of my rights to privacy and to opt out of sharing my non public information ( Non public information is .Any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; C any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or C any information you get about an individual in connection with providing a -5- financial product or service ( for example, information from court records or from a consumer report ). It is their duty to give me these disclosures clearly and conspicuously in accordance with federal law. In the case FTC XXXX XXXX XXXX further proves the above entities are financial institutions and are to comply with the disclosure requirements under XXXX. The case further stated ; The GLBA restricts the ability of a " financial institution '' to disclose XXXX to a nonaffiliated third party by requiring ( subject to certain exceptions not pertinent here ) that the financial institution provide the consumer with notice of the institution 's disclosure policies and the opportunity for the consumer to " opt out '' of disclosure. Id. 6802 ( a ) - ( b ), ( XXXX ). The XXXX further mandates that an unaffiliated third party recipient of XXXX " shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. '' Id. 6802 ( c ). 
AS STATED BEFORE I HAVE NEVER RECEIVED THESE DISCLOSURES OF MY RIGHTS TO PRIVACY AND TO OPT OUT. THESE COMPANIES ARE EXTORTING AND COERCING COMSUMERS TO PAY ALLEGED DEBTS AND HARMING THEIR REPUTATION. 
Lastly, I spoke to several reps at XXXX today who claim they do not have to comply with that law, and for me to contact XXXX to get the information removed. When I called XXXX they told me to call the CRA to get it removed because they can not. They are all in cahoots to deceive consumers as they have been doing for decades. 

See the attached cease and desist to remove my information. Immediately upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: GA
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 account is inaccurate XXXX XXXX XXXX XXXXXXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment Status shows " Paid as Agreed '' but in XXXX appears " 30 Days Late '' and according to [ 15 U.S.C Section 1681-a ] its a FCRA violation. Please remove this inaccurate account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
Ill need to get the exact dates but during 2009, I received a social security XXXX back pay check for a little over {$25000.00}. I used around {$24000.00} to pay off my Wells Fargo Mortgage. I went to my branch with an appointment with the branch manager to ensure there were no snags. 
During the next three months, I kept noticing that the huge amount would go in and out of my checking account and my mortgage had not been paid off. I still made payments. 
After three months, I contacted the XXXX  and filed a complaint. 
Soon after, a WF lady in Iowa called me and helped me finally get my mortgage paid off. 
When I asked her for my interest for having {$24000.00} of my money for three months, she said that would never happen. That its simply my loss. 

I ask for that compounded interest that is owed to this day from that date I deposited the check to this very day. 
It should be a sizeable amount by now and in addition, I deserve a sizeable pay out for emotional duress and hardship due to their gross negligence and thievery. 

Everyone knows they robbed me of what was and is rightfully mine! 
I can locate the amounts and dates.

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 2021-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Under two separate complaints, XXXX and XXXX, concerning BoF 's troubling policy/procedure in dealing with Americans serving overseas ( with APO addresses ) and BofA falsifying they reasons for denial of a credit card. Bank of America apparently lied to CFPB claiming they actually resolved these complaints. They did NOT. In fact, ALL they have done is send notices to say it is under research and they need more. time to " investigate '' and will get back to me with more information ( which they never do ). 

CFPB must NOT accept as closure to a complaint a mere statement from the company that they are " researching '' the problem and need more time. This is NOT closure. CFPB should require an actual conclusion, one way or another, to complaints, and NOT close them when the company claims to still be researching. 

Bank of America must revise its policy/systems to give the actual reason credit was denied ( as required by law ) even if the false reason given was a clerical error, and they must revise procedures to NOT require US personnel overseas to phone ( international call ) during US business hours to allow the complaint to be heard.

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 2022-10-25
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 around XXXX XXXX, I drove to Regions Bank ( located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) to deposit {$1200.00} ( XXXX {$5.00} bills and XXXX XXXX$20.00} bills ). I received a receipt back saying the deposit was was made only for {$1200.00}. I notified the teller of the discrepancy and was told to hold. The bank manger comes back about 5 minutes later saying that the teller put the money in two Machines and it counted and her draw was correct. I asked if there was another way to verify and she said no because the machines counted the money. She said there were XXXX {$5.00} bills and XXXX  {$20.00}. I asked if she could review the cameras, she declined and said it was ran through two machines.

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 2020-03-11
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, I was given a 'serious delinquency ' by AmEx over the summer even though I was making monthly payments. 
They told me there would be " no penalties '' for late payments because I am in the military. 
I XXXX in XXXX ( the same month they cancelled the card ) and AmEx filed the serious delinquency despite my being XXXX and making payments in XXXX, XXXX, XXXX, XXXX, etc. 

I filed a complaint with XXXX  and they didn't do anything, would you please be able to assist getting this removed from my credit report? 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: PayTomorrow, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I used this company to buy new wheels and tires for my truck. On XX/XX/XXXX I agreed with https : //www.paytomorrow.com/ for total amount of {$1600.00} for over 24 months contract with 12 % interest rate. After paying first {$59.00} processing fee. First 12 months is {$130.00} and after next 12 months my payments will be {$99.00}. I signed my contract. I set up as automatic payments so on XX/XX/XXXX my first payment was taken out from my checking account. After paying 5 months straight payments I noticed on my monthly statement that my amount that I am paying off dramatically increased for the total of {$2700.00}. I contacted the company they told me that I have to first pay off lease amount for 12 months and the my next 12month I will be paying my original loan off. I did not agree with their decision its not fair and its a lie to the consumer face. Basically you paying off two loans. When I question the company they told me you signed everything your self and their is nothing they can do. As I remember there was no lease mentioned anywhere in my contract or even by there representative when I called to clarify loan terms with them before signing their loan agreement paperwork. So I am asking for your help to resolve this issue and bring justice to the hard working familys.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06
Company: Four Directions Lending LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a loan with this company and decided to consolidate it and worked with a company called XXXX XXXX XXXX. XXXX XXXX XXXX sent out cease and desist letters and negotiated on my behalf. Yet, this company is still contacting me and threatening to garnish my wages. I will include attachments that show that I paid the entire program with XXXX XXXX XXXX and I should not owe West Side Lending anything.

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