BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been waiting on hold for the past 2 days for 4 plus hours. I took a screen shot for proof. I give all my information then wait on hold keeping me from filing a dispute. Nobody called me back or anything. During this covid time, this is nothing less than pure cruelty and feel motivated to get my own lawyer. Why do you treat people this way??? No respect for anyone or anything. Just tell me nobody is available or something. Tell me to send an email or something. This is making me absolutely crazy and all you guys do is apologize. I am so upset!!!!!!!! 

I called a third time 30 minutes before closing and I was told to wait. Wait and wait. Nobody even told me you were closed!!!! You just kept making me wait??!!! Who does this to people?? As if you hadn't played with me enough? I am definetly going to talk to a lawyer!!! 


The dates this happened is 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 explanation
Consumer complaint received 2020-08-20
Company: Cawley & Bergmann, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Cawley & Bergmann , LLC cantact me in different ocacion, try to collect a amount of a XXXX XXXX. This company have all my personal information with out my concent and are haresting me and making me feel very intimidate with their phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: CA
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:
It is incomprehensible to me how my PLEAS FOR JUSTICE AND ASSISTANCE IN THE FACE OF IDENTITY THEFT HAVE BEEN REPEATEDLY MET WITH A SEEMINGLY CALLOUS DISREGARD FOR MY PLIGHT. The nonchalant DISMISSAL OF MY CLAIMS HAS LEFT ME BOTH ASTOUNDED AND DEEPLY TROUBLED. Deep-seated emotions that words alone can not fully convey - emotions encompassing annoyance, distress, anger, and profound sadness. These emotions have been triggered by the persistent denials of my legitimate identity theft claim by your bureau. It is imperative that you take swift and decisive action to address this matter within the legally mandated timeframes. Failure to do so will only exacerbate my frustration, distress, anger, and sadness. XXXX XXXX. Also take note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.

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 2022-02-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
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: Investigation took more than 30 days

Complaint:
Toyota motor credit is continuing to report false information on with all three credit agencies, I'm not reasonable for any debt or outstanding loan balance or reposition. please remove this reporting immediately from all three credit agencies or legal action will follow. I did give authorization for any to be placed in my name or on my credit profile with Toyota motor credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Sir/Madam, Ive been a premier checking account customer of Bank of the West ( BOTW ) since XX/XX/XXXX. On XX/XX/XXXX, Ive received a notification letter ( dated XX/XX/XXXX ) from BOTW informing me that my account ( XXXX ) will be closed on XX/XX/XXXX ( transactions to/from the account will be suspended from XX/XX/XXXX ). The only reasoning that BOTM provided for cancellation of my account is that BOTW is exercising its right as stated in the letter we may close your Account at any time, with or without cause.! I followed up with BOTW branch as well as their customer service team and they couldnt provide any further details. Being a customer of BOTW, Ive never violated any of contract policy or have any dispute with them.

The fact that a regulated bank like BOTW can suddenly deny service to a customer without any proper cause and the lack of transparency in the whole process goes against the spirit of providing reliable financial service. The timing of the letter and short notice of service cancellation have caused severe stress in my side. How come an approved financial institute can act as if its operating a cartel and have ultimate authority to decide on whom/how/when to provide service to common people? In my opinion, this is an utter discrimination against a customer from visible minority. I request your office to investigate this incident and take necessary actions against BOTW so that no such incident occurs to another customer in future. Please let me know if you need any additional information. 

Best regards,

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 2023-08-21
Company: Affirm Holdings, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2023 I paid for a hotel and rental through affirm. They started to take payments out as agreed. In XX/XX/2023 I utilized services and XXXX credit card was charged. I spoke with multiply ppl at affirm explaining that I had already paid for services. I opened up a dispute. Provided proof and waited well over the 90 days to be told I lost my dispute and still had to pay despite paying already. They also reported all the payments as late payments which has negatively impacted my credit report. This is not fair. I made a complaint with the XXXX about Affirm and they still have not answered the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My bank account for my XXXX business is being used to launder money. 
XXXX was taken from my account. XXXX $ was then charged to my account for withdraw. Around 400-500 worth of my daily transactions were recycled to extract this amount. And a total of XXXX $ was theamount missing for this month in my business account along with a XXXX check I dont recognize. My ending balance was a negative at the end of month. XXXX If you look at my personal account my beginning balance was extracted. A check was entered early in the amount of XXXX to cause an overdraft fee. My paycheck was then entered late and I was charged XXXX $ when the bank stole XXXX $ from my account after depositing it. The XXXX dollars charge was never recorded and The ending balance is XXXX $ off I was charged XXXX as they manually enter the other transactions on a different date. The payments I make are sent through twice authorized on date taken out the put through again to extract a double payment. Also another paycheck from XXXX XXXX is missing from bank. This is what I need to do my taxes and you cant provide it to me because my bank has been racketeered. Also a check in the amount of XXXX was not recorded as well on XXXX when it was deposited from XXXX my other job. So two checks have gone missing from my account this month. How do I get my taxes done or how does the XXXX then get their work accurate with banking like this? My XXXX claim was just denided due to your banking practices so thats another loss thanks to you for XXXX. 

This is a ton of money!!! In one month. 

Both accounts should have had money in them not to occur any more fees.

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 monetary relief
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The above Case # XXXX number is depriving me of inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitutions. According to a recent Supreme Court ruling, child support has been declared unconstitutional under Article 3, Section 1. In light of this ruling, I firmly believe that all prior child support orders and associated arrears should be vacated, I contacted the agency and no response, this has affected my way of living, been placed on my credit profile and according to the FCRA section 607 ( a ) requires that consumer reporting companies, among other things, must require that prospective users of consumer reports certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. 15 U.S.C. 1681e ( a ). 13. 15 U.S.C

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 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
XXXX - This is the original complaint number. 

I requested to have all false names be removed from my credit report and that is not happening. 
These wrongful accounts were attached to my credit and were fraud. 
I did not request for my name to be edited or updated. 
I requested that these false names and accounts be removed and deleted. 
Changing or editing the names/account does not solve my problem as these accounts are not mine and were not opened by me. 
These names and accounts need to be deleted not edited/changed. 
Thanks

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 2020-04-15
Company: Nationwide Judgement Recovery, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been contacted by Nationwide Judgement Recovery XXXX to recover alleged debt due as result of class action lawsuit filed against XXXX XXXX. I was somehow named in the Class Action Lawsuit but have not paid or receive any money with XXXX. The only plausible scenario that I can think of is that my identify was stolen and somehow I was signed up for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX and TransUnion refuse to accept communication that was authorized by me, XXXX XXXX XXXX XXXX, disputing information on my credit 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 non-monetary relief
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 fourth 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$790.00} ; XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$580.00} XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/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 2022-12-22
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a dispute to Transunion via certified USPS tracking number XXXX. It was delivered on XX/XX/2022 at XXXX XXXX. As of today, XX/XX/XXXX, the items are still showing as still being investigated on my credit report that was pulled today. Per the FCRA, a credit reporting agency has 30 days to resolve a dispute or the items must be removed from the consumer 's credit report. It has been over 30 days and as of today I have not received any correspondence from Transunion regarding my dispute.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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: Investigation took more than 30 days

Complaint:
I sent out a dispute to the credit bureau and creditor about this proclaimed debt i owe that is negatively affecting my life. still as of today i still have not received any response from neither the credit bureau nor creditor to validate or verify this account nor the proper documentation they took to validate or verify this account prior to placing this on my report. As stated under 15 u.s.c 1681i method of verification was not supplied!!!

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 2020-04-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Chase credit card was replaced in XXXX due to suspected fraud, I received a new card and it has been working fine. A Chase employee provided a theft ring with the details of my cancelled credit and temporarily authorised access to my closed account and reactivated the card to allow the purchase of an XXXX  at XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. Use of my replacement credit card and store surveillance shows that the purchase was not made from me and I was in XXXX at the time. 

Chase cooperate security is aware of this theft by one of its employees and the charge has not been removed from my account. The XXXX of XX/XX/XXXX charge was placed on my new card account the XXXX of XXXX and I have made over 20 phonecalls to Chase and spent over 40 hours of my time trying to get this {$700.00} account debit removed. 

The police report from XXXX XXXX, Texas is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have reviewed my consumer report and I notice the credit reporting agencies are reporting private information about my credit standing and worthiness. It is the credit reporting agencies duty to insure fairness, impartiality and to have respect for my right to privacy. My private information and credit experiences are being publicly furnished without my written consent. I am requesting the method of investigation used to verify the accounts that are being furnished without my consent. VERIFICATION " means the process of establishing the truth, accuracy, or validity of something with official documents ''. Please send me the statements of account and documentary evidence in accordance with Truth-In-Lending and the written document from me giving any consumer reporting agency consent to furnish these accounts. If the requested documents are not provided within XXXX XXXX please delete the accounts immediately!

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 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i have several accounts that the credit bureaus have not properly investigated. for example, there is an account that shows under my name ( XXXX XXXX ), however, this does not belong to me as the address that appears on their account is an address that i have never lived at. since this is reporting incorrectly, i believe the other negative remarks that are reporting are incorrect as well. since they have failed to properly investigate this, how am i to know that the other accounts are reporting accurate? all three credit bureaus have failed to properly investigate what i've been asking from them since XXXX of last year!

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 2022-12-22
Company: CONST LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
The offenders have individually and collectively perpetrated and aided in defrauding consumer investors and depositors in XXXX of over {$22.00} XXXX. They directly solicited customer funds, advertised that ALL funds in fixed term crypto-backed lending product were ONLY used for fully secured over-collateralized lending to borrowers on the platform with the borrowers depositing XXXX % of collateral in crypto assets on behalf of the lenders to secure the loan. 

They also represented that all borrower collateral and lender funds would be forwarded to XXXX XXXX, their regulated custodian for safekeeping the collateral until the end of the loan period, after which the lender would be paid their monies by the borrower, with the collateral returned to the borrower. 

These above statements by XXXX were overwhelmingly false. There were hardly any borrowers to match the lenders with on the XXXX platform, and there was hardly any collateral for the so-called fully secured loans. In other words, XXXX principally matched lenders to non-existent borrowers while misappropriating their funds for other purposes. For the few occasional existing borrowers on the platform, XXXX misappropriated even their collateral. This is a case where the platform scammed both the borrowers and the lenders on the platform by taking the lenders money for themselves, as well as the borrowers collateral. 

The Offenders embezzled the funds that the investors deposited on XXXX for themselves by funneling the funds to founders other company, XXXX, through unsecured loans. They also misappropriated investor money meant for secured lending to other platform borrowers to instead make unauthorized deposits and risky bets on XXXX XXXX, something that the investors never intended nor were aware of how their funds were used. 

The Offenders scammed investors and users in all other types of lending products as well. For instance, the funds in XXXX accounts were not sent to third-party collateralized lending pools, but rather used by them to line their own pockets as described earlier.

Company response to consumer: Untimely response