BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-07
Company: Talbot, Adams, & Moore, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I have disputed these accounts and the only account remaining is this debt collection account. I have attached a copy of the police report to this dispute. I never did any business with the original creditor " XXXX XXXX ''. I never had any accounts with this company nor do I owe them any money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: CA
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 Account, XXXX XXXX BANK XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-20
Company: Remitly, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
WITH DATE XX/XX/2022 I SEND MONEY TO THE COUNTRY OF XXXX {$620.00} ; WITH A VALUE OF {$9.00} IN VALUE CHARGED FOR AN EXPRESS TRANSACTION THAT IS TO SAY IMMEDIATELY, IN THE REMITLY PLATFORM THEY INDICATE ME THAT THE FUNDS WILL BE DELIVERED ON XX/XX/XXXX AT XXXX, WHICH DID NOT HAPPEN. 
on tuesday, XX/XX/XXXX, i called the REMITLY COMPANY TO CANCEL THE TRANSFER WHICH WAS CANCELLED WITH AN E-MAIL TO MY E-MAIL XXXX AT XXXX AND THAT MY MONEY WILL BE RETURNED WITHIN 10 BUSINESS DAYS. 

MY SURPRISE IS THAT TODAY XX/XX/2022 I RECEIVE A MAIL FROM REMITLY WITH TRANSFER NO. 
XXXX, THAT THE FUNDS WERE DEPOSITED TO THE ACCOUNT I REQUESTED TO CANCEL YOUR TRANSACTION. 

I PROCEEDED TO CONTACT THEM BY TELEPHONE AND THEY TOLD ME THAT THEY CAN NOT REQUEST THE RETURN OF SAID MONEY AND THAT THEY DO NOT HAVE A TOOL THAT CAN GIVE ME A SOLUTION TO MY REQUEST. AND THAT THEY ARE VERY SORRY THAT THIS HAS HAPPENED AND THAT THEY SUGGEST THAT I CONTACT THE PERSON WHO RECEIVED THE MONEY AND SEE HOW TO SOLVE THIS DEPOSIT. 

FOR THIS REASON, HAVING HAD AN INADEQUATE RESPONSE, BY IGNORING NOT TO CONTINUE WITH THE TRANSACTION, I REQUEST YOU AS THE GOVERNING BODY OF THE FINANCIAL INSTITUTIONS OF THIS COUNTRY, TO TAKE THE NECESSARY MEASURES IN ACCORDANCE WITH THE LAWS AND REGULATIONS ESTABLISHED AND THAT THE COMPANY SHOWER MAKE THE RETURN OF MY MONEY SENT ABROAD WITHOUT MY APPROVAL. 

GREETINGS, Translated with XXXX ( free version )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: VA
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:
In XXXX XXXX XXXX XXXX published a story about credit bureau problems for consumers. I was featured in the article featuring my dispute with XXXX XXXX credit reporting company for incorrect information they refused to fix, after I tried several times to get them to correct the data. I was also featured on the XXXX XXXX XXXX with XXXX XXXX again talking about XXXX XXXX. I have no late payments, my credit use is around XXXX % yet XXXX XXXX recently dropped my credit score by over XXXX points. I pay my bills, my credit score currently does not reflect my paid on time payment record. I can only conclude that XXXX XXXX is punishing me for allowing my story to be published and televised. My credit score is now XXXX I was over XXXX in XXXX and nothing has happened that should bring my score to this low level/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: MI
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 Account numbers listed below has violated my rights. 15 U.S.C 1681 Section 602 A. I have the rights 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 XXXX XXXX XXXX ACCT # XXXX BALANCE XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-06
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 at ( i ) XXXX XXXX ET, and at ( ii ) XXXX XXXX ET, two fraudulent unauthorized EFT debits for {$2000.00} ( Transfer Amount ) + {$5.00} = Total {$2000.00} were made by the operatives of Western Union Financial Services , Inc., XXXX XXXX, XXXX, CO XXXX. Western Union Tracking Numbers ( MTCN ) for the two EFT debits  are XXXX and XXXX, as can be seen in the attached documents. The first EFT debit was successful, meaning {$2000.00} debit EFT was posted to my XXXX  XXXX XXXX Checking Account at XXXX XXXX   and money paid out XXXX XXXX  in XXXX, XXXX. The second EFT debit was not posted to my checking account by about XXXX XXXX, and lateron cancelled after I spoke with Ms. XXXX and Ms. XXXX, Operator ID XXXX of Western Union between XXXX XXXX and XXXX XXXX. Western Union 's Dispute/Fraud Reference # for both fraudulent MTCNs is XXXX for the two unauthorized EFT debits ( MTCNs ). I contacted XXXX County Police and have communicated this incident to a Police Officer. I contacted XXXX XXXX XXXX four times, 2 times over phone, and 2 visits to local branch. During the fourth contact by telephone call between XXXX XXXX  and XXXX XXXX, XXXX  XXXX XXXX representatives were able to stop the release/payment of {$2000.00} from my Checking Account to Western Union for XXXX XXXX. Today, XX/XX/2019, XXXX XXXX, I have received Western Union 's Scam/Threat e-mail that the {$2000.00} paid out by them within 2 minutes of EFT debit transfer on XX/XX/2019 will be referred to a Debt Collection Agency, since they were not paid {$2000.00} for the fraudulent debit EFT. I have reported these to you ( CFPB ) in the morning on  XX/XX/2019, between XXXX XXXX  and XXXX XXXX. I am providing you details with document attachments via this website and written compliant by me. Please investigate the above fraudulent activities by the operatives of Western Union, or in collusion with them by what appear to be XXXX Speaking persons ( since, when I called this afternoon,XX/XX/XXXX and pressed the MTCN XXXX after calling XXXX, I heard XXXX-like gibberish talk, and the phone connection got disconnected, twice ). This is the whole story so far. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/XXXX - Placed order XX/XX/XXXX with XXXX XXXX XXXX using XXXX at check out. 
Purchase Total XXXX XX/XX/XXXX - Received Product the week of XX/XX/XXXX Product was not as described Called XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX CA, XXXX, XXXX to request a refund and return the product I was given permission via phone to return the product Informed XXXX  online that product was being reurned XX/XX/XXXX - XXXX XXXX XXXX  received product and accepted XXXX via XXXX XX/XX/XXXX and ongoing : Harrassed from XXXX for payment for a product that I have returned. XXXX placed account into collections. Informed XXXX  and credit bureaus that item has been returned. Shown proof of return product with XXXX. Have made attempts with all parties to rectify the problem. Despite showing proof of refund all companies continue to fraudently state that money is still owed and continue to slander my name. 

XXXX Truth in Lending Disclosure ( Contract ) states that all returned goods proceeds goes directly to the loan holder on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: CITIBANK, N.A.
State: LA
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:
I have a citicard and in XX/XX/2021 we had to evacuate for Hurricane Ida. I was spammed somehow in the process of making a hotel reservation and was double charged. Immediately called the hotel and they canceled the reservation. We ended getting our power restored and did not need the hotel. I called and they confirmed both reservations were cancelled with no cancellation fee. I have documentation to prove this. Well The company that initially charged me XXXX XXXX XXXX TX has refused to refund the charge. I have proof that everything was canceled with no fee and have provided that proof. Also have an issue with the fact that Citicard says that I can go view the documents in my statement and notices and there is no document there to explain why I am responsible.

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 2023-11-30
Company: EQUIFAX, INC.
State: GA
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:
This is my several 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
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:
Exclusions, in the context of credit cards or similar devices, pertain to the process or state of excluding or being excluded from any authorization or approval for a specific extension of credit, whether directly or indirectly, by the issuer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX $ and XXXX XXXX XXXX XXXX XXXX XXXX $ Are paid in full. Get them off of my credit report! 

NONE OF THEM ARE JOINT ACCOUNTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX placed a hard credit inquiry on my credit report without my consent. I was pricing wireless plans on XXXX XXXX XXXX 's website and provided information such as my address, current phone number, and date of birth. I did not provide my full social security number and did not complete the checkout process, accept any terms, sign any contracts, or agree to have a hard inquiry placed on my credit report. I contacted Experian about this to dispute the report, and they told me that they were unable to do anything and that I would have to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX using the phone number provided by Experian, which routed me to XXXX XXXX XXXX 's identity theft department. An automated system answered the call and placed me on hold for over an hour before a representative answered and stated they had no record of an application under my name and they were unable to help me. The representative transferred me to another department, who said that they were unable to remove the inquiry, and then transferred me to customer service, who also said they were unable to remove the inquiry.

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 2022-01-12
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I recently had a conversation with a representative from Santander concerning a deferment with XXXX and/or XXXX car payments. 

I was directed to the loan officer there and she questioned me about why I needed a deferment and why was I not able to pay my bill. She went to say I had been late 7 other times during the possession of my vehicle. She wanted to know why, and then she asked me why my husband could not make payments. She then asked me why to keep my car if I am not able to pay or how was I going to keep something that was making me unable to keep paying for it. I replied, dont worry I am not losing my car, then I hung up. I called to try to be proactive and the representative was so mean and horrible in how she spoke to me. 

Right after our conversation, I received a letter that was typed on XX/XX/XXXX, stating XXXX and XXXX payments must be made by XX/XX/XXXX or repossession. I attached a copy of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .the accounts listed on my credit file as follows XXXX /XXXX, XXXX XXXX , XXXX XXXX. I also am a victim of the XXXX  and XXXX data breach. State issued ID have been compromised and my social security has been compromised. I have filed a report with the FTC listing and stating the above named accounts as fraud. 
I am not responsible for any charges made to these mentioned account.

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 2023-11-30
Company: EQUIFAX, 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:
My information with equifax has been breached here is the proof and they refuse to delete these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-05
Company: Experian Information Solutions 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:
The three credit reporting agencies which are XXXX, Experian, & XXXX  have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( Experian, XXXX, & XXXX   ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract. Im sending in a new dispute as of XXXX and I have sent in previous documents asking them to provide all verifiable proof they verified this debt to be put on my credit.

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 2021-09-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with TOYOTA MTR. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: DISCOVER BANK
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
According to a XXXX XXXX with Discover, funds in my accounts are on hold due to possible fraud activity as of XX/XX/XXXX. It appears the fraud referenced is a check a relative deposited into my account via mobile app in XXXX or XXXX of XXXX, the amount of {$690.00}. The account was opened under my name because the relative, a cousin with same name, is unable to open deposit accounts due to credit issues. He used my account to deposit a check issued by XXXX XXXX, supposedly issued in his name but my have intercepted check from another party, thus the reason for suspicious fraud activity. I attempted to reach XXXX in re, was unable to reach via phone. The funds from check are no longer in account as far as I know. Please provide this information to Discover to assist in issuing remaining funds in accounts, if any.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Lending Club Corp
State: VA
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 account is with the Lending Club. I paid on it for three years no problems no lates, excellent history account was paid in full in XX/XX/2021 and they recently updated my credit report to show account is closed versus paid on full which has a negative impact to the credit score my score in fact went down versus app because the account is showing closed when it was in fact a healthy paid in full account and Im not getting the credit that I deserve in the reporting of such a great history!! I dont think that its fair that a company can show an account as closed when it has in fact been paid in fulland on time because that has a negative algorithm when the calculations of credit scores gets re-generated by the credit bureaus. I think that CFPB needs to step in and make sure that these companies are reporting the account status as paid in full and not closed because it is an installment account not revolving which impacts your score differently!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute the presence of fraudulent charges and collection accounts on my credit report, which are negatively impacting my creditworthiness and causing distress to my mental health. I recently obtained a copy of my credit report from your bureau, and upon careful review, I discovered several items that are inaccurately reported.

I am a victim of identity theft, and I have taken the necessary steps to report the fraudulent activities to the relevant authorities. However, I am deeply troubled to see that these fraudulent charges and collection accounts remain on my credit report, despite my status as a victim. 
Below are the details of the disputed accounts : XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXXXXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I request an immediate and unexempted removal of these fraudulent charges and collection accounts from my credit report. The inaccuracies in my credit report are not only affecting my financial standing but also causing undue stress and XXXX. As a law-abiding citizen, it is disheartening to face the consequences of identity theft when I am the victim.

Company response to consumer: Closed with non-monetary relief