BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
myEquifax loging is broken. 

Getting. " We are temporarily unable to complete this request. ". 

Tried calling customer care they told me to remove cookies. I tried noting seems to work. 

I'm unable to freeze my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I TERMINATED TWO USAA SECURED CREDIT CARDS NEARLY 60 DAYS AGO I'VE BEEN GIVEN THE 'RUN-AROUND '' BY USAA REGARDING THE RETURN OF TWO SECURED XXXX 'S THAT SHOULD HAVE BEEN RETURNED TO ME WEEKS AGO I HAVE SAVED ONLINE CHAT ON THREE DIFFERENT OCCASIONS PROMISING THE RETURN OF SAID FUNDS FOR THE LAST SEVERAL WEEKS NOT RIGHT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account XXXX, XXXX XXXXXXXX account XXXX and XXXX XXXXXXXX account 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.

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 2022-12-01
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$160000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: IL
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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: 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 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 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 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 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 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 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 2018-11-12
Company: LTD Financial Services, L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Continuously receiving calls from debt collector. Presumably LTD Financial. Not sure because I will not give any personal info over the phone and they can not discuss unless I verify personal info. I have repeatedly asked them to STOP calling me and send written correspondence only. I have blocked every number they call from, they just call from a different number. I also stated I am on the Do Not Call Registry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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 have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please update and correct my accounts right away. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-04-28
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX violated my rights, by reporting false information on my report, that result in multiple ( 7 ) late payments, i wish for these late payment be removed from my report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 my husband received a call that appeared to be from XXXX XXXX  XXXX. The person on the line stated he was a representative from XXXX XXXX  XXXX and that someone had set up a XXXX account in his name in the amount of {$15000.00} and that he had XXXX minutes to rectify the issue by setting up a XXXX transfer in his name, my husband, to TD Bank. The person was real professional and very convincing. Since my husband was very busy, we had customer 's coming into our store plus our field techs returning he handed me the phone. Again, this person was very professional, giving out names of supervisors at XXXX XXXX XXXX, etc. I followed his instructions and did XXXX XXXX transfers from XXXX different accounts under our business name to an account at TD Bank under my husband 's name. Total amount of the transfers was {$12000.00}. This person kept reassuring me that this was legitimate through XXXX XXXXXXXX XXXX, caller ID on the phone said XXXX XXXXXXXX XXXX and we would receive the money back within a few hours. Transfers were made. 

Unfortunately, the money was gone from our accounts and there is no option to stop payment or cancel transaction. We filed a claim with XXXX XXXX XXXXXXXX and it was denied because they transferred the funds to TD Bank per our instructions. How was someone able to go to TD Bank and set up an account in my husband 's name with no identification. We also filed a police report with our County 's Sherrif Department. According to XXXX XXXXXXXX XXXX they forwarded our claim/complaint to TD Bank but we have not heard from them. 

The account at TD Bank where the money was transferred to was opened under the name of XXXX XXXX. Since the account at TD Bank was opened up fraudulently, we do not know the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My XXXX online savings account was sold to Citizens and transferred in XXXX, XXXX. I went to the XXXX, VT branch of Citizens bank to close the account on XX/XX/XXXX and I received the full balance and was told the account was closed. 

However, I continued to receive statements and emails from Citizens about fee waivers expiring and such. I returned to the branch on XX/XX/XXXX and was told the account was terminated. 

On XX/XX/XXXX I received an email from Citizens reminding me about fees ( fees were mentioned XXXX times ). I returned to the bank on XX/XX/XXXX and was told the account could not be found and to call customer service. I was unable to reach a person at customer service. I returned to the bank again on XX/XX/XXXX and was now told repeatedly the account, which could not be found the day prior, was closed and they had no idea what the fee reminder email was about or who sent it ( I brought printouts ; see attachments ). 

On XX/XX/XXXX, the branch manager XXXX XXXX XXXX ) repeatedly REFUSED to provide written confirmation that the account was closed ( " We don't do that '' ). I am deeply alarmed by this. 

Lastly, on XX/XX/XXXX I mailed from XXXX, VT ( XXXX ) a written request for confirmation of account closure to both the XXXX, VT branch and the central customer service center of Citizens in XXXX, RI. The letter to RI has been received, while the letter to XXXX, VT has had a delivery exception. I have not yet received a response. 

The account should be closed, but the XXXX, VT branch will not provide written confirmation and I continue to receive emails indicating to me it is open. Therefore, I believe the account is still open with a balance of {$0.00} and that I will start accruing " maintenance fees '' which may harm my credit. Out of fear for this, and due to their refusal to confirm closure on XX/XX/XXXX, I am submitting this complaint to the CFPB. 

I never agreed at any moment to be a customer of Citizens Bank. 


Attached are the following documents : 1. Scan of welcome letter from Citizens detailing my XXXX account transition to Citizens. 
2. A copy of an account statement from XXXX - XX/XX/XXXX showing a balance of XXXX. 
3. A screenshot of an XXXX XXXX XXXX internet alert showing Citizens changed the account holder on XX/XX/XXXX. This is 40 days after I closed the account. 
4. A copy of the email from Citizens on XX/XX/XXXX showing that fees will be starting. Fees are mentioned XXXX times. 
5. A copy of my XX/XX/XXXX letter requesting written confirmation of account closure. This letter was sent to both XXXX, VT branch and the central customer service center of Citizens Bank. 
6. XXXX receipt and tracking numbers to show written request ( attachment 5 ) was mailed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
Credit acceptance is still reporting to credit bearueas and its over XXXX XXXX XXXX. I disputed with XXXX and they said it was verified as accurate but I have proof its over XXXX XXXX XXXX. This should not be showing 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 monetary relief
Consumer complaint received 2023-04-28
Company: Block, Inc.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This morning XX/XX/23 I had 6 unauthorized transactions occur totaling more than {$55.00} to my Cash App account that I dis not make. 
XXXX ) {$0.00} at XXXX XXXX  on XX/XX/23 XXXX ) {$12.00} at XXXX XXXX  on XX/XX/23 XXXX ) {$24.00} at XXXX XXXX  on XX/XX/23 XXXX ) {$12.00} at XXXX on XX/XX/23 XXXX ) {$5.00} at XXXX XXXX on XX/XX/23 XXXX ) {$0.00} at XXXX XXXX  on XX/XX/23 I have notified Cash App support and they are looking into it and will reply within 10 business days. The charges are still pending so should just be denied or canceled but they have refused and want the transaction to go through first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: DISCOVER BANK
State: NJ
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:
Not giving me any update on five disputed charges. Wont return calls I make. Emails or messages also. Wont disclose anything and Im still being charged even though I have proof it wasnt me. Wont refund and their policy says we are never liable for fraud or lost/stolen card. In this case, that is not occurring. False advertising too

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, 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 included an attached letter explaining the issue, I have disputed over and over to get these issues fixed and my last steep is to bring my attorney into this cause I have all the information showing what XXXX is reporting is incorrect and each time i Dispute nothing is resolved. Im not sure but maybe its all automated and this is causing XXXX to not see the issue. 

XXXX Opened XX/XX/XXXX then went 90 Days Late Charged Off XX/XX/XXXX Paid to Collector who had the account XX/XX/XXXX Report showing its been Charged-Off 3 different months instead of just XX/XX/XXXX Date of First Delinquency XX/XX/XXXX ( Correct ) Date of Major Delinquency was XX/XX/XXXX as XXXX XX/XX/XXXX then when I Disputed the Charge-Offs XX/XX/XXXX the date was changed to XX/XX/XXXX for the Date of Major causing FICO to drop my score XXXX points showing me less than 60 days late when it was over 4 years all cause they changed the " Date of Major '' from XX/XX/XXXX to XX/XX/XXXX when it was Paid in Full XX/XX/XXXX ... Make sense???? 
I have included all the Documents... 
PLEASE HELP... I cant get XXXX to respond or act upon any of this ..XXXX XXXX has them as being removed do to issues just like this...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: Experian Information Solutions 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:
15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 USC 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consum
er to whom it relates. I HAVE NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

YOU ARE IN VIOLATION OF THESE LAWS PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE!

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 2021-08-23
Company: EQUIFAX, INC.
State: IL
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:
This Credit reporting agency did not follow the guidelines set forth by the FCRA and did not validate thoroughly. Other Agencies have already deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/XXXXXXXX  I found out that 3 different credit cards was opened in my name once I started the process of buying a house. The lender told me to pay those off but once I got the email I saw that I never opened these accounts. The accounts was opened back in XX/XX/XXXXXXXX  and was charged off in XXXX. It was a XXXX XXXX {$1400.00} XXXX  XXXX XXXX  {$4300.00} card and a Target card {$1200.00}. I contacted each company and was told to file a police report and FTC report. I did and submitted them, Now Target is giving me a hard time removing an account thats not mine. Still entire situation is holding me back from buying my house.

Company response to consumer: Closed with explanation