BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019, I was in XXXX ( located at XXXX XXXX XXXX, XXXX NY XXXX ) and after I made a purchase I either lost my ATM/Debit Card, or it was stolen. 
The next day when I called my bank ( TD Bank ) to check my balance I found three unauthorized transactions on my account and told the bank representative that I did not make these three purchases. The three unauthorized transactions were another transaction at XXXX, a transaction at XXXX XXXX XXXX XXXX and a transaction at XXXX XXXX. 
When I informed the bank representative that I did not make these purchases, I started a fraud claim with the bank. The next day I was told that the bank believed that I made those transactions and that they were not fraudulent because the transactions were in-person, using my bank card. I did not make those purchases and closed my claim. 
I demanded to speak with a supervisor. The supervisor informed me that because the bank believes I did make those transactions, so I must file a police report for the bank to refund the stolen money. 
I went to the police department on XX/XX/2019, and filed a report with the detectives. The detective was able to obtain surveillance video and pictures from the video which he showed to me and gave me copies of. I gave the report to the bank, along with the pictures. The pictures show a young XXXX woman using the card to make the transactions. I am an old XXXX woman. Clearly I am not the person in the pictures making these purchases. 
Since giving the report and the pictures to the bank I have called for updates on at least three occasions. The bank 's fraud department tells me that my first claim was denied and they do not see a second claim ( the one with the police report and pictures ). I have asked them reopen the claim with the supporting papers, but they tell me I " probably won't get the money back anyway ''. 
It was not a lot of money ( {$230.00} ), but I am an elderly woman and a very fixed income. That was all the money I had for my food and medicine until my next social security check. 
The bank has been rude and unhelpful, accusing me of making the purchases when I clearly have not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-13
Company: Asset Recovery Solutions, LLC
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I missed a call from a number originating from my home state. Caller did not leave any information at all. I tried to call number back and was put on hold by an automated message system that did not identify itself, company, or purpose of the call. A representative then answered and was extremely hostile. I was trying to find out what this call was specifically about. The caller then started to tell me about some Loan debt, to which I replied I am already being garnished and that I had spoken with another student loan company about making payment arrangements for the remaining loans. The loan ( s ) that this representative spoke about was unknown by me. The caller was becoming verbally hostile and I was only trying to hear more information about these mysterious loans that were under me. The caller then started to tell me about my " poor life choices '' and that I needed to pay these loans immediately. I asked repeatedly to be sent a " Letter of proof '' of these loans. The caller then rudely hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I CALLED MIDLAND FUNDING ON SEVERAL CALLS AND GOT DISCONNECTED.WHEN SPEAKING TO THEM THEY GAVE ME A TOTAL THAT WAS DOUBLE THE ACTUAL AMOUNT OWE. I ALSO ASK THEM TO SETTLE AND THEY SAID NO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Experian Information Solutions Inc.
State: PA
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 filed a dispute with Experian pertaining to an account on my consumer report.The account has collection listed date opened that is incorrect. Experian did not provide me with the method in which they verified the account 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 2023-09-02
Company: EQUIFAX, INC.
State: FL
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 numerous 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$0.00} ; 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 2023-05-27
Company: Experian Information Solutions Inc.
State: MD
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 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$930.00}, XXXX XXXXXXXX XXXX Balance : {$3300.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXXXXXX Balance : {$680.00}, XXXX XXXXXXXX Balance : {$14000.00}, XXXX XXXX XXXX Balance : {$550.00}, XXXX XXXXXXXX XXXX Balance : {$490.00}

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 2021-09-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I want to verify the method of verification with the bureaus regarding my accounts in question. I am attaching the letters I created and mailed out a few months ago with the accounts in question. Along with my ID verification to show this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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 have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.

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 2021-07-01
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A total of {$1900.00} was billed to our current home address by a System, a debt collection agency working with XXXX. This has been happening for two months now, even though the debt is not mine. I have called in reporting the incident and have contacted by local police department.

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 2019-11-05
Company: General Motors Financial Company, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My complaint is about an automobile leasing plan I have with GM Financial ( account number XXXX ) and the frequently in error invoices they have sent me that have led me to make overpayments. The terms of the lease are that the monthly payment is {$230.00} per month plus the CT State taxes that are due once each year. 
1. The current invoice from GM is in the amount {$1200.00} that I assume is for the ( $ 237 monthly amount ) + XXXX XXXX taxes of {$560.00} ) = {$800.00}, resulting in an over-billing of {$470.00}. 
2. Also, according to my records I was billed twice for XXXX taxes, an amount {$520.00} x 2 = {$1000.00}, resulting in an overpayment by me of {$520.00}. 
3. Items 1 and 2 above have resulted in overpayment by me of {$470.00} + {$520.00} = {$1000.00}. 
4. The above discrepancies may be due to the fact that XXXX 's automated billing software is still in a beta form of development as evidenced by the following observations : a. The amounts stated by their automated telephone billing service do not agree with the printed amounts received by me via XXXX. 
b. XXXX can not explain why these differences exist, except to state that their software is known to be defective. They can not provide me with an accurate manually generated spread sheet showing the charges against my account and the payments I have made, which would allow us to pinpoint where their errors have been made and so that they may be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed information to Experian several times about a company called XXXX, who has been reporting to my credit report since 2004. Information on credit reports are not supposed to say longer than 7-10 years for starters. XXXX PROPERLY reports an account as closed and discharged in a Chapter XXXX bankruptcy with EVERY credit reporting agency, EXCEPT Experian. Experian has continued to allow this company to report negative, incorrect information to my report. I have followed all their rules. I have uploaded all the documents, certified copies from the court, copies of other credit reports, STILL they allow this to go on. THEY NEVER contact me when the " dispute '' has been " verified '', I have asked REPEATIDLY for them to send me PROOF of HOW they verified it, they won't. When I try to dispute it again, they say it has already been verified and I am not entitled to dispute it again. I AM BEYOND frustrated and do not know what more I can possibly do to get them to get this cleared up. PLEASE HELP!!! It is unfair and violates EVERYTHING about the FAIR credit reporting act. 

Attached is a copy of the closed account from XXXX XXXX showing the account closed in XXXX and XXXX XXXX. THIS is accurate. Now, if you can get EXPERIAN to update THEIR information CORRECTLY and STOP telling me they HAVE verified it as open and active.

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 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
There was an account opened on XX/XX/2019 with XXXX XXXX XXXX XXXX with a balance of {$16000.00}. I made payments on this account while trying to get it disputed. As well on XX/XX/2019 another account was opened with XXXX XXXX XXXX XXXX with a Balance of {$20000.00}. I made payments on this account while trying to get it disputed. This is a fraudulent account results of Identity theft. I was told from the company that these accounts were registered in XXXX, Georgia and I reside in XXXX Michigan.

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: 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 is missing that should be on the report

Complaint:
After checking my 2 credit reports with XXXX XXXX XXXX, I noticed that XXXX XXXX is incorrectly reporting on my account. Per the FCRA & FDCPA all of the information must report accurately & fairly. They told me that they cant do a goodwill adjustment but I need to get proof of payment history so when I get ready to go to an attorney so Ill have the information to present to the small claims court.

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 2019-11-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is reporting DUPLICATE accounts on the XXXX XXXX/XXXX/XXXX account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) This is a violation of the Fair Credit Reporting Act and these two line items need to be removed from my credit report. This incorrect reporting of duplicate derogatory accounts is seriously harming my credit. I have contacted the bureau to remove these items however, I have not been successful.

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 2019-11-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SOMEONE IS TRYING TO OPEN AN ACCOUNT UNDER MY NAME. I CALL THE COMPANY. I CANT GET THROUGH ITS AN INQUIRY FROM XXXX/XXXX I DID NOT AUTHORIZE

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 2022-11-29
Company: CCS Financial Services, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called XXXX for a quote on in XXXX of XXXX. The agent put me on a plan that I did not want, months later they sent me a collections notice for the insurance, that I did not want. 
I got ahold of a manager in XXXX of XXXX and explained what happened and they said that it was a mistake and their part and will get ahold of collections. As of XX/XX/XXXX it shows I still owed {$4.00} to the collections. I called XXXX to discuss what happened they transferred me to the collections agency and the collections said they had no record of me owing anything. I tried telling XXXX what they had said and automatically transferred me to collections and said there is nothing more they can do. I have been dealing with collections, that is affecting my credit for over 2 months now.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I transferred XXXX $ then XXXX $ through banking XXXX to a person who texted me asking me to buy a laptop from them ( I was looking to buy one on XXXX ). I sent the money as a down payment, but the seller claimed the money had never been received. I hassled with him for a while, but after he asked me to send more money, I realized I had been tricked.

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 2021-09-24
Company: CITIBANK, N.A.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I Am a federally protected consumer, natural person and not affiliated with a third party. After sending a Equal Credit Opportunity Act letter XX/XX/XXXX making XXXX XXXX  aware of the discrimination violation I am pursuing. Making note that banks are borrowers who issue bonds and debentures 12 USC 1431. No lawful money has ever been deposited from citi bank to XXXX XXXX yet Citi bank denies credit to the the person that extended credit. Upon social account number and my signature pen on that application citi bank used that promissory note/ negotiable instruments for gain and provide nothing in return. I sent a letter specifically addressing my rights under commerce and trade 15 USC 1691a ( 3 ) Scope of Prohibition it shall be unlawful for any creditor to discriminate against ANY applicant

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 2019-04-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello I am a victim of identity theft and have been trying to get the credit bureaus to remove the following accounts that have to do with this theft. The following accounts are a result of identity theft : With XXXX : XXXX XXXX XXXX With XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX With Experian XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I keep asking them to remove these items and block them due to the identity theft but they just give me a generic response making me wait 30 to 60 days and the theft remains.

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 2018-05-24
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Navy Federal Credit Union has employees stealing thousands of my money everytime I spend it. They are making banking errors denying my claims and then reversing the denial and stealing the money. XXXX XXXX XXXX ( XXXX and XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) and and XXXX refunded me money and they keep trying to keep the money and not credit it back on top of trying to take money by fraudulently claiming false fees when I am not making credit but debit purchases. They also stole money from me when I reported my credit card information was stolen while in jail and while at the airport. They denied my claims and plan on keeping the money after closing my account. They cooperated with corrupt police officers in XXXX/XXXX  area and fraternized with them and stole money from my account trying to change the status of my case. On top of all of this they did not report all of my transactions on the documents given to me. They intercepted my calls as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  FI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX

Company response to consumer: Closed with explanation