BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: TN
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is trying to collect on an unknown debt for XXXX XXXX XXXX  in the amount of {$650.00} dated XX/XX/2017. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the collection agency, rather than investigating, they toss the issue back to the collection agency who then continues to report erroneous information.

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 2018-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
My checking account with Bank of America was closed by the bank in XX/XX/XXXX due to being overdrawn and unused for 100 days. Had my taxes done XX/XX/XXXX and my account inadvertently the old account instead of the new one I gave him. Bank of America deposited my return on XX/XX/XXXX to a closed account! On that same day I was issued an atm and and received a email notifying me it did as such. XX/XX/XXXX I received the atm card in the mail. On XXXX XXXX I learned of my account mistake and called the XXXX number on the back of my old debit card and it stated I had {$6000.00}. available in my account. Went to use the debit card and it was declined, went to withdrawn money for the bank with the atm card it was also declined. Called customer service that night and was told my account was frozen due to the fact that it was a closed account. Also was told the saving account I had connecting with the checking was still open. Then was told they could transfer from the checking to the saving but it would that 3 days!!! It is now XX/XX/XXXX ( 3 days ) and just left the bank and my money is still NOT transfer!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30
Company: HOVG, LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX a collections account was opened for {$1100.00}, i only noticed and knew of the " debt '' because of cedit karma. The company never once attempted to contact me and are using an address i haven't lived at in now over 6 years. The debt collector also never contacted me to alert me of being in collections. I had to email the debt collection agency 3 times to get a response and they only responded when i mentioned getting a lawyer since they will not respond. I have emailed them 2 times since initial contact trying to understand how i got this debt and how it got to collections without me knowing it existed but have received no response. Making an invoice can be done by anyone who has basic knowledge of computers and some basic personal information so that's not proof of the debt and i addressed that in one of the emails. My address has changed once since XXXX and I've had the same and only phone number for 10 years so it's not like it's hard for a legitimate company with a legitimate debt to get into contact with me.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2021-05-06
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/21 the XXXX  deposited a retroactive benefit payment for {$7800.00} via direct deposit into my Venmo account. I have received other XXXX payments previous to this with no issues. On XX/XX/21 Venmo froze my account without providing a reason, asked me to email a copy of my drivers license, which I did right away, and there is no way to talk to an account specialist over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I settled these loans in full for deletion with the collection agency. Now, XXXX is refusing to update the accounts

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 2022-08-17
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:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2018-02-10
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that i do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless i have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire 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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 List of accounts below has violated my federally protected consumer rights to privacy and contidentiality under 15 USC 1681. 
Account names/Account Dates Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-09-17
Company: EQUIFAX, INC.
State: MO
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:
Im not accomplished anything as long as you keep my credit score so low. Im very hard working and not lazy but Im imprisoned by my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: CARD Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
CARD.com lock my account, which prohibit my social security check to be return, the money I had in the account they won't release it back!!! My account was compromise XXXX XXXX weekend, I reported the issue, the revise the charges back to my accout, but because I have an change in address they locked the account and keeps asking for documentations, I sent it in and they still never sent my money back!! I need this money people are out here struggling

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently had an issue with my AMEX platinum credit card when trying to pay the bill. I normally pay the bill manually once a month when the bill gets high and then autopay the rest at then end when the statement is due. I tried paying an amount of XXXX $ a day before the autopay was scheduled to pay the statement balance ( XXXX $ ). I did not know the autopay was scheduled to pay it that next day. I payed the XXXX manually and it said confirmed your payment was received and in the app my balance went down by XXXX XXXX The next day for some reason is still auto paid the full XXXX even though I had already paid XXXX the day before. I would think it would only be paying the difference which would have been a little over XXXX XXXX The problem was that when the XXXX and XXXX came out it brought the bank account balance too low to do all of my payroll checks so when I did my payroll checks everyone of them was charged a NSF fee. I immediately called American Express as soon as I saw the amount that was taken out and they said they couldnt return it to the bank account without the routing and account number ( which I didnt have at that moment ) and to call back the next morning when I had it. Which I did and they said the money would be returned. I finally see it being returned to the bank account after 2 days but Im still left with the NSF fee that arent cheap because American Expresss autopay system messed up. ( Bank isnt willing to take off the NSF charges )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I believe that I was pressured into purchasing a vehicle which was recently leased from XXXX XXXX XXXX dealership. I wanted to trade my XXXX XXXX XXXX XXXX XXXX but the dealer did not want my trade in vehicle as they were offering too low of a value which I believe I should have received more for the value and condition of the van. So I told the dealership that I will not be able to afford anything more that {$250.00} per month but the dealer still insisted that the vehicle that I wanted to lease is much higher and {$460.00} + XXXX for insurance toward excess wear and use. So I ended up paying {$470.00}. After 2 weeks I was talking to a co-worker whom recently leased the same exact vehicle for another XXXX dealership and ended up paying almost 1/2 the amount per month that I am currently paying. I believed that I was a victim of over pressuring salesman.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
As I always do, I made an online payment to my Target Red Card with my checking account. I made this payment on XX/XX/2019. This payment was deducted from my checking account on XX/XX/2019 and cleared my bank the same day. This payment was not returned and Target has their money. However, Target REFUSES to release the funds to my account. I have e-mailed and tried to get this issue resolved. They REFUSE to tell me how long that they hold payments for. They keep saying that it is close to clearing. It is now XX/XX/XXXX THIRTEEN DAYS LATER and they still have not released the payment. There is absolutely no reason why they should be holding my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: BARCLAYS BANK DELAWARE
State: WA
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:
Barclays Whyndham Credit Card. 

The company refuses to talk to me on the phone about the charges to my account. 

I have asked them on several occasions to stop allowing the charges they refuse. 

My Credit Card is max out due to the charges. 

I have a legal complaint the company who set of the account who is billing my credit card, I dont have any records. We have been defrauded by the company billing my card. 

I don't have any records of allowing them to charge my card they charges. 

All these charges are unauthorized. 

I am seeking legal action based on the out come of this complaint.

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 2017-07-30
Company: EQUIFAX, INC.
State: PA
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:
My credit report on XXXX is showing under my personal information that I have an alias called " XXXX XXXX ''. That is not my name and I have never used that name in relation to any financial legislation. I have witnessed this false information on XXXX  under my credit report on XXXX/XXXX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: TN
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I found out that someone had opened a store credit card in my name only when I ran my credit report and it came up that I was in collection by a company called 'XXXX/XXXX XXXX. Apparently someone got a store card from this store called 'XXXX ' and charged {$51.00} in XX/XX/XXXX. The bills were going to my house in XXXX, which is vacant. I live in XXXX. I never got any bills from XXXX, I called them and they admitted that the bills were coming back 'undeliverable '. XXXX - I have no mailbox there. So they sold the debt which went from {$51.00} XX/XX/XXXX to {$320.00} in XX/XX/XXXX ( late fees, etc. I suppose ). So I found this out in early XXXX and filed a dispute with XXXX. I also contacted XXXX, which I am a member. I got no where. I contacted XXXX on XX/XX/XXXX and they sent me an affidavit, which I promptly signed/notarized and sent back. I followed up on XX/XX/XXXX and again XX/XX/XXXX and spoke to the same person, 'XXXX  XXXX and she is still telling me that it is in 'Review '. They tanked my credit score from XXXX down to as low as XXXX at points. I could not get any other credit cards this summer. 

How can this be?

Company response to consumer: Closed with non-monetary relief