BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: FinCo Services Inc DBA Current
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi there, on XX/XX/XXXX my card was used without my authorization at a XXXX in Ohio for {$310.00}, and XXXX XXXX in XXXX XXXX XXXX, Utah for {$10.00}. I live in XXXX, NC. I got a refund for the XXXX XXXX directly for the {$10.00}. I had to dispute the charge with XXXX on XX/XX/XXXX. On XX/XX/XXXX, my bank, Current Bank took {$310.00} from my account with no notice. The charge says Dispute Lost-Credit Reversal. I received no written or email notice that I lost the Dispute. 

I complained about this before and was told that they contacted the merchant and the transaction was a " Card absent transaction ''. I have also found out through that complaint that it was a delivery order. 

" The cardholders name and billing address matched the record. In addition, even if the delivery address was different from the cardholders address, there was a statement from the Delivery Order Document to Leave with my nephew he is homeless. Therefore, No Error Found. " I do not have a nephew in Ohio or anywhere else. I don't have siblings. I'm an only child. I can get a notorized statement from my parents if needed. 

The person had all my card information because my data was breached. So of course they had access to what they needed. They also didn't go into the store so they didn't need my pin number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX .... Balance : {$2000.00}

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 2023-05-28
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
To whom it may concern : I am writing to dispute the debt you claim I owe you. I have never signed any contract with your organization or purchased any goods or services from you. Therefore, I need clarification as to why you are attempting to collect a debt from me that I do not owe.

As far as I know, I have no outstanding debts with your company. Furthermore, I have not received any bills or notices of overdue payments from you. Therefore, this is a mistaken identity or a fraudulent attempt to collect money from me.

I request you provide proof of the alleged debt, including the original contract, invoices, and other supporting documentation. It is my right as a consumer to receive this information, and I will not be making any payments until I have reviewed and verified the debt 's validity.

I appreciate your attention to this matter and expect a prompt response from your company. 

Sincerely, 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 explanation
Consumer complaint received 2020-06-13
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:
They have multiple names on my account. My name with a middle name that I dont even have. Phone numbers that arent accurate and even have my brothers name on my report!! Social security listed on report is wrong.

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 2023-02-16
Company: EQUIFAX, INC.
State: NJ
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: DISCOVER BANK
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I settled with Discover Financial on a debt which I dutifully paid for a year. XXXX and XXXX  tried to collect a sum over and above the agreed upon amount - not by much, maybe less than {$100.00} of what was agreed upon, but when I closed the account believing that we had settled the agreement, they then rescinded the agreement with Discover. I was represented by a lawyer who made this agreement, when XXXX XXXX  XXXX contacted my attorney separately by phone to negotiate this agreement. I repeatedly tried to call XXXX XXXX XXXX to straighten this out, and the representative was rude and hung up on me and would not give me receipts of payment or discuss the matter with me. That was over 4 years ago, and now I'm being sued for this same debt that I already paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05
Company: LCO Financial Services, 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:
On or about XX/XX/XXXX, I acquired a loan from the above-referenced company. All my payments have been made on time. 

On XX/XX/XXXX, I emailed the company to inquire what my payoff was. I received the following email from them : " Dear XXXX, Thank you for your email. 
Please be advised that Blue Trust Loans is unable to do same day debit transactions. Your loan balance for the earliest available pay off date, XX/XX/XXXX, is {$900.00}. Please call before 4 PM EST today if you would like to have the balance be debited on XX/XX/XXXX. '' I did not pay off my loan at that time. 

On XX/XX/XXXX, I emailed the company to see what my current payoff would be. I received the following email : " Dear XXXX, Thank you for your email. Kindly note the amount you quoted below does not include the interest accumulated up until XX/XX/XXXX. As shown in the payment schedule {$800.00} is the ending principal after the payment is made on XX/XX/XXXX. 
Your loan balance on XX/XX/XXXX is {$1000.00} which includes {$800.00} as Principal and {$210.00} as Interest for the entire period. '' It would appear that my payoff amount was lower in XXXX than it is in XXXX, despite having made all my payments on time. 
This seems like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-02-16
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: ACIMA CREDIT, LLC
State: MN
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:
Back in XX/XX/2021 a furniture company XXXX XXXX XXXX lied that I took furniture from them. Which they can not prove. Ive asked the lender several times to provide the POD they have refused. The lender is called Acima

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the recent rejection of my request to block fraudulent accounts that have been created under my name due to identity theft. I would like to appeal this decision and demand that these fraudulent accounts be promptly deleted to prevent any further damage to my financial and personal well-being. XXXX  XXXX XXXX XXXX and 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 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I keep sending them letters for them to remove inaccurate information and make the corrections updates and remove incorrect information. I also ask them to validate but they refuse to make the updates and changes and this is causing many trials and unnecessary difficulties.

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 2023-05-29
Company: DISCOVER BANK
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a Discover credit card in XXXX of XXXX. I understood that it was a no interest charge card. An interest charge has never appeared on my mobile banking app. For months I have been trying to pay down my credit card with no success. On XX/XX/XXXX I opened a chat with Discover. I was informed that I was being charged interest ( nearly {$3000.00} in the last 24 months alone ). I went back through my statements on my phone and saw XXXX interest charges. When I asked about this the representative told me that interest fees do not appear on their mobile app statements, only on a computer. I do not have access to a computer. When I told them that, they attempted to transfer me twice, only to not respond after 20 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
After i filed a complaint on XX/XX/2019, credit acceptance Called my work llace on XX/XX/XXXX and XX/XX/XXXX. Isnt it illegal to contact consumer at their work place?

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 2018-03-12
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/2018 I received only 1 notice from some type of Law Office name RAUSCH, STURM, ISREAL, ENERSON & HORNIK LLP. regarding payment options on a written off debt from XXXX XXXX XXXX D/B/A. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Texas XXXX. A few Days later without giving me by law ample amount of time to dispute that debt, that I have no knowledge of owing, This law firm filed immediate legal actions against me, and this was before the 1st payment due date XX/XX/2018 .On the legal document the law suit was filed on XXXX XXXX in Justice Court XXXX , County Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX, This seem to me that debt collection Law office used an abusive tactic to the fullest extent, to scare me into paying that money assumed I owed, I am disable, living off a small fixed income, don't foresee me being employed in the near future, I contested that suit, sent to that court my Social Security Award Letter as proof of income, showed a copy of the only letter received via mail from that plaintiff lawyer, I informed the court that the statue of limitation has ended for XXXX XXXX to sue me, I didn't receive any papers showing that company has the right to sue me, Chief of title, original papers I signed, No paper trail showing missed payments / payments made to XXXX XXXX , tried to discuss the matter via phone with 3 of XXXX employees in their debt collection / and customer service dept, was told they no longer had my personal file it was given to a 3rd party agency which is that law firm- I also recently became a victim of identity theft through cyber breach and was notified by mail from one of the 3 major Creditor Bureau , not saying this is/ not my account- they did not Validated their claim regarding this alleged account that causing me to have reservation about this matter, I was also given just 14 days to respond to that courtroom, and on top of that I am still getting payment options letters from that firm -I 'm trying to recover XXXX  after XXXX, the worse storm ever to hit XXXX, no one should ever have to endure abusive tactics from collection agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-06-13
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been dealing with credit card company now for several years, it's still on my credit report and is hurting my credit score and causing many finincial problem. Please help. Target and also XXXX XXXX. It was my dead husband. I have spent days hours etc dealing with this. I don't understand why it's not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2020-10-13
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
While working with a lender to refinance my mortgage they found out that American Express had won a judgement against me in the amount of {$2000.00}. Back in XXXX of XXXX their attorney said that American Express was going to dismiss the lawsuit for which I received a letter. On XX/XX/XXXX I received a letter from American Express telling me that my account was transferred to XXXX XXXX XXXX XXXX. I wrote letters to American Express on XX/XX/XXXX requesting clarification and asking them to remove the judgement. In return I received a letter and later on several phone calls from XXXX XXXX XXXX XXXX demanding payment. I have written several letters to both companies and so far I have not received an answer. How can a creditor collect on a 7 year old debt and a judgement at the same time? Is that legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have called multiple times to close my accounts with TD Bank after having withdrew all funds. They have not closed the accounts and due to the low balance, I am getting maintenance fee charges for the low balance each month. The last time I talked to them, they said they would remove the fees and close the account. I asked them to email me confirming the closure. They didnt email or close the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not sign up for this American Honda Finance Corporation account with the balance of {$3000.00}. I did not give anyone consent or authorization to use my information for this account. I did not benefit in any way from this account. This account is FRAUDULENT and is a result of IDENTITY THEFT. I have filed a police report with the XXXX Police Department, a FTC Report with the Federal Trade Commission. 

I disputed this fraudulent account with American Honda Finance Corporation several times and they keep denying it. Back in XX/XX/2014 I was a victim of Identity Theft when someone opened a XXXX XXXXXXXX Credit card, a XXXX account, rented furniture from the XXXX XXXX, and also financed a car in my name. American Honda Finance Corporation is the only company of the four that denied my request to have the fraudulent account removed from off my credit report. I filed a police report as well as a FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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:
In my last complaint, I disputed some items that are erroneous and do not belong to me whatsoever. Please block the items that are erroneous : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XX/XX/XXXX The addresses stated above are not my current address The accounts above are inaccurate and fraudulent. Im seeking Litigation. 
The inquiry is unauthorized and fraudulent. 
Please delete them at once.

Company response to consumer: Closed with explanation