BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-24
Company: Early Warning Services, LLC
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:
My identity was stolen and someone opened a checking account at XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX Acct # XXXX I disputed this with XXXX  XXXX XXXX and they said that since they didn't receive the original documents as I submitted my complaint online, that they ruled against me. I also filed a complaint with Early Warning and they said that the information XXXX  XXXX XXXX was deemed accurate. This is on my credit report as well as Early warnings   report therefore preventing me from opening my own account. I have done all I could do and now there is no other option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
AFTER SEEING XXXX ON SUNDAY ABOUT THE CONSUMER REPORTING COMPANYS REPORTING INFORMATION ON CONSUMER REPORTS THAT SHOULD NOT BE I CHECKED MY CONSUMER REPORT AND TO MY SURPRISE DOZENS OF ACCOUNTS WAS LISTED ON MY CONSUMER REPORT FILE THAT I HAVE NEVER GAVE WRITTEN INSTRUCTION TO DO PURSUANT TO. 

1.15 USC 1681SECTION SECTION 602 A 2. 15 USC 1681 SECTION 604A SECTION 2 THE LAW IS CLEAR OF WHAT CAN BE DONE AND MY RIGHTS HAVE BEEN VIOLATED IN ACCORDANCES WITH THE FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello. I have previously submitted a complaint to Barclays bank in regards to a late payment in XX/XX/2021. Since then Barclays bank has issued me a refund of the late fee due to my request. According to the United States 2021 Covid Cares Act. Once a consumer had/has been accommodated of any request on their account by a creditor in my case refund of late fees He or She is entitled to removal of said late payment/s from their account, as well as the credit bureaus. I am reaching out to you so that you can make sure that this Covid Cares Act is legally upheld on my behalf Regards 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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-02
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collection listed on my credit report from Enhanced Recovery Company ( ERC ). I have not received information on this debt prior to it being listed as derogatory on my credit report ( s ). I attempted to contact the company via certified mail XXXX/XXXX/2017 to validate/dispute this account. Return receipt shows that my letter was received by the company. I asked the company to reply within thirty days. It has been more than four months and I have yet to receive a response. This debt should not be listed on my credit report or attributed to me in any way. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: Prince Parker & Associates
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I owed XXXX XXXX XXXX XXXX, it 's now {$100.00} after paying them {$50.00} every two weeks.They said I could make payments, since it was closed account ( I switched to XXXX ). It was sent to XXXX XXXX who call me none stopped, I explained I was paying on it to XXXX and that I never received anything from XXXX XXXX. I 've asked them 3 times to stop calling, they said they would. XXXX XXXX and her manger XXXX. I got another phone call today XX/XX/2017 and XXXX yelled at me and said that this was collections not costumer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
id theft victim everything enclosed police report enclosed hippa riights and cra

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 2017-10-02
Company: World Acceptance Corporation
State: MO
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 a phantom debt from another collection that has been previously taken off my credit report due to payment, but the original creditor is still trying to collect when the debt is no longer vald

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: EQUIFAX, INC.
State: WV
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:
Trying to remove all comment on credit reports/from credit reporting agencies showing items in dispute. 
1. Please remove all dispute comments on all accounts! 
2. Please remove all late fees and show XXXX balance due XXXX student loan XXXX and student loan XXXX. 
3. Please close XXXX XXXX account and remove all dispute comments! Show XXXX balance due!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TransferWise Ltd
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Transfer was started on XX/XX/XXXX with a completion date on XX/XX/XXXX. My money was taken out of my account on XX/XX/2022. The dashboard stated that they are verifying me, however no communication was sent to may email. I spoke to their agents on multiple occasions. They wouldn't tell me what else is needed and just said it was internal issue. The also encouraged me to cancel transfer. I did realize there was a change in the exchange rate to XXXX. The rate was locked in at XXXX per XXXX  however that dropped, so it was better for Wise to cancel my transaction so they could benefit from a better rate ( for them ). I attempted to contact them 3 times. Each time they refused to forward me to a supervisor. I want CFPB to review their unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Disregard of a cease and desist order On XX/XX/2020 at approximately XXXX hours I XXXX XXXX, informed XXXX, phone representative, of Transworld systems IncXXXX, to cease and desist from calling my cell phone and if they call my cell phone number again an official formal complaint will be launched against their company, she acknowledged by saying yes she understands however, she disregarded the notice by stating that there is no guarantee that I still would not receive any calls. 

At this point I restated my cease and desist demand and she acknowledge and state yes she understands however she continued and said, " Unless there is another phone number. '' I quickly restated my demand and asked if she understood what I just said and she said yes. 

And her response was, " unless there's another number, '' " I'm just asking is there another number? '' I restated an asked if she understood what I just said and she said yes sir.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Sent a letter to HUNTER WARFIELD, INC about account # XXXX asking for : 1. Validation of the debt that is, the actual accounting. 

2. Verification of a signed invoice. 

3. A copy of the contract binding both parties ( you and them ), in a letter by " Certified Mail '' so that there is an independent witness to it having been delivered. 

How ever, according to 15 USC 1629e, 15 USC 1629d, and 15 USC 1692B Not use any language or symbol on any envelope or in the contents of communication effected by mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
The credit bureau allowed unverified and inaccurate information to be placed on my credit report after being notified on ( XXXX ) occasions of the inaccuracies. The credit bureau knowingly allowed creditors to report inaccurate information while being formally informed of the wrongful actions. After many attempts to rectify and work directly with the credit bureau to address the intentional acts to defame my financial character to potential business partners of whom use credit as a decision making factor in their offer determinations. I have been affected economically and mentally as a direct result of the inaccurate reporting of this credit bureau. The false reporting of this credit bureau during a pandemic prevented my qualification for assistance programs to provide relief during a severe hardship on the entire country.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Walmart issued credit card, which I maintained and paid on-time for several years. Due to XXXX XXXX 's expenses, I was unable to make my on-time payment on XXXX/XXXX/XXXX. As a result, Walmart credit card services decreased my credit line close to the amount owed, thereby affecting my credit. I contacted customer service on XXXX/XXXX/XXXX to discuss this matter and was informed that credit line decrease was not due to a late payment but it was due to a XXXX XXXX credit check on XXXX/XXXX/XXXX. I advised them that this is false since Walmart provides a free XXXX XXXX credit monitoring on their payment webpage where they themselves can view my credit progress. I was late with other creditors as well for the month of XXXX due to XXXX XXXX, however, none of them took such adverse action towards someone who was financially impacted by the storm. I believe my credit was lowered solely because of the late payment and because it was lowered to the amount owed it will negatively impact my credit. Please assist me in resolving this matter. I advised them to close my credit card because of their unsympathetic stance.

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 2022-03-17
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following inquires has been fraudulently and unauthorized placed on my credit file, I'm asking that they be removed. 

( 1 ) XXXX XXXX ( XXXX ) ( 2 ) XXXX XXXX ( XXXX ) ( 3 ) XXXX XXXX XXXX XXXX ) ( 4 ) XXXX XXXX ( XXXX ) ( 5 ) XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
i moved to a new location from my driver license and transunion ask me to update my address to match my id so i did on XX/XX/2020 and have letters to proved it .Now they are stalling with my Dispute asking for the same thing this month knowing that they already Have it and don't wont to focus on the dispute at hand.

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 2022-04-08
Company: EQUIFAX, INC.
State: FL
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 the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts 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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
AFTER SEEING XXXX ON SUNDAY ABOUT THE CONSUMER REPORTING COMPANYS REPORTING INFORMATION ON CONSUMER REPORTS THAT SHOULD NOT BE I CHECKED MY CONSUMER REPORT AND TO MY SURPRISE DOZENS OF ACCOUNTS WAS LISTED ON MY CONSUMER REPORT FILE THAT I HAVE NEVER GAVE WRITTEN INSTRUCTION TO DO PURSUANT TO. 

1.15 USC 1681SECTION SECTION 602 A 2. 15 USC 1681 SECTION 604A SECTION 2 THE LAW IS CLEAR OF WHAT CAN BE DONE AND MY RIGHTS HAVE BEEN VIOLATED IN ACCORDANCES WITH THE FCRA

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 2022-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
Attempted to use credit card to pump gas. Pump would not dispense. Pressed button to cancel transaction however the pump failed to cancel transaction. Subsequently a larger vehicle capable of holding {$100.00} of gas came into pump area and dispensed gas on the still-open transaction. 
My vehicles only have 13-gallon tanks and will not hold that much gas. I have disputed claim three times and BofA states " card was present so charge is valid ''. This is however a fraudulent charge.

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 2021-05-19
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:
I submitted an dispute to the bureaus 30days ago about medical bill being reported on my report. This violates my privacy, my security and violates HIPPA which is against the law. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records.

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 2022-04-08
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX of 2021 my college savings account was breached and scammed of over {$14000.00}. I immediately went straight to my bank and submitted files of fraud and talked with a representative over the phone who helped me summit my complaints of the fraudulent transactions and we made new accounts, passwords, and locked down my old accounts so that whoever did this was unable to do anymore damage. Ally also provided me the full provisional credit of the money lost while they were investigating the fraudulent transaction. When XXXX came, I was finalized roughly $ XXXX {$6000.00} worth of the money that was lost on the same date and time of the scam by the user that breached my account. However over {$9000.00} that was lost on THE SAME DATE AND TIME DUE TO THE SAME FRAUDULENT ACTIVITY TO THE SAME MERCHANT was deemed to be approved because I had " relationship with the merchant ''. This makes no sense whatsoever and is unfair to me as a loyal customer especially when Ally Bank is FDIC covered and I have never had history of such transactions or any problems like this before. These accounts are strictly used for college and college purposes only and my past transactions with these accounts clearly show this! I complained once more with Ally, and they told me to talk with the merchant and I did, and the merchant said that someone created an account under my name and basically catfished my identity. The merchant that this person used was a cryptocurrency service and said that they couldn't return my money because it is impossible... I've try working with Ally since XXXX to please help fix this mistake and they are unwilling to cooperate or change their decision. This is now my second complaint being summited to the FDIC and I ask for more to be done because this is an unacceptable loss of money by a bank who is covered by fraud protection. They even determined that whoever committed the fraud had internal access! Again, Ally 's dispute team is unwilling to work with me anymore and I ask that you please step in and resolve this huge mistake. I have read Ally 's documents and agreements and they cover % 100 fraud protection GUARENTEE and they are FDIC covered of up to {$250000.00}. I can not except this and will keep sending complaint after complaint until this misunderstanding is resolved...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation