BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-12
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had a XXXX XXXX XXXX for years, according to XXXX since XXXX. 
Although my account has had varying credit limits, the company resolved higher credit limit accounts to {$500.00} ( including my XXXX credit card ) when the restructured about 5 years ago. 
Recently, I received a letter in the mail dated XX/XX/XXXX from XXXX which states that my credit limit was increased to {$800.00} effective immediately. 
I have NOT, however, seen the credit limit increase when I view my account online. 
I have contacted XXXX by e-mail regarding this issue, with a response that my credit limit was {$500.00} not {$800.00}. Today ( XX/XX/XXXX ) I spoke with a XXXX   representative ( XXXX ) who confirmed that my credit limit is {$500.00} and told me that the XX/XX/XXXX letter " must have been a mistake ''. 
I explained to XXXX ( the XXXX representative ) that I believe his response was incorrect and possibly illegal, because banks and other financial institutions are bound by strict financial laws. 
Despite my protest, my XXXX XXXX credit limit is {$500.00}. 
I would like my XXXX  XXXX credit limit to be officially increased to {$800.00} as indicated in the XX/XX/XXXX letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 explanation
Consumer complaint received 2023-01-01
Company: Persolve, LLC - Legal - Series 2
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I did a volunteer repo a few years ago. The company sold the car at a auction and the amount I owed was like XXXX now the creditor is saying I owe XXXX this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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 contacted Bank Of America regarding multiple charges coming out of my checking account via debit card transactions. The merchants are XXXX XXXX XXXX, and XXXX XXXX Dated from XX/XX/23 XX/XX/23, XX/XX/23. The rep stated that from all the charges the claim total was {$290.00} They have even went as far as removing the transactions where I can't see it reflecting on my account as duplicates.The representative stated she would escalate the claim for me to get my funds the next business day or or it could take up to 3 business days to get my credit back. I called to see why I haven't received anything they told me to give 3 business days. I called at 3 business days and the rep stated she would do a hardship request for me to get my money and that it could be available by midnight if approved. On XX/XX/23 I called and the rep stated that claim show as being resolved and that a credit for {$290.00} Was being credited but it want in my account. She askrd me to call back and speak to claim dept. XX/XX/23 I called the claim dept they stated that the claim show as being credit but transferred me to another claims credit dept the rep stated the claim show as still being researched. When I look at the claim via online banking it show as being closed. Bank Of America had only refunded about {$30.00} of the money owed. They know that charges are fraudulent had me to open a new account and lied to me saying they would refund the money. They are scammers and need to be shut down.

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 2023-08-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them.

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 2018-08-11
Company: Experian Information Solutions 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:
The original creditor/furnisher which is XXXX XXXX XXXX credit card account # XXXX. Has deleted and removed this credit account from my credit profile report because the charges that made this account derogatory and closed where not authorized by me in other words this account was fraudulently charged off. The collection agency XXXX XXXX who bought this debt most remove this fraudulent account immediately as well.

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 2019-11-16
Company: Experian Information Solutions Inc.
State: GA
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 contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

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 2023-11-15
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Cancelled GAP Warranty on XX/XX/2023. Cancellation confirmed with XXXX XXXX - XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX. 

Cancellation request was for the following : Make : XXXX Model : XXXX VIN : XXXX Current Miles : XXXX XXXX confirmed XXXX amount of refund is {$970.00}. 

XXXX issued the check ( check number XXXX ) to Truist bank on XX/XX/2023. 

Truist bank cashed on XX/XX/2023. 

I have called Truist bank multiple times per week since XX/XX/2023. On XX/XX/2023 Truist informed me they could not find the check that XXXX XXXX sent them and they had no way to find it. I was instructed to wait another XXXX to XXXX business days to follow up. I called the following week and was again informed from Truist that they had no record of the check being cashed or sent by XXXX XXXX. 

On XX/XX/2023, I called Truist again and was told by Truist that they still could not find my money and that I need to submit a lost payment to XXXX. I sent the email with copy of the check showing the deposit by Truist bank and I sent them a copy of the confirmation of cancellation. 

On XX/XX/2023, I called Truist again and I was told they have found my money but can not issue me payment due to their system integration and they had no ability to issue refund checks at this time.I called Truist local branch XXXX XXXX Texas at XXXX and talked to the bank XXXX. He told me he was not able to issue me funds as they do not process refunds at there branch.

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 2023-07-24
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
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: Their investigation did not fix an error on your report

Complaint:
I disputed and inaccurate report bankruptcy with transunion XXXX and XXXX. I reached out to the bankruptcy court and was told that they do not furnish this information to the credit bureaus. However Transunion sent a letter saying the plaintiff attorney verified the bankruptcy. The bankruptcy court provided me a letter ALREADY stating that this was false so clearly Transunion is lying. 

I have reached out to an attorney and will file a suit against Transunion XXXX  and XXXX  for inaccurate reporting XXXX  and XXXX  claim they for their information from XXXX XXXX. However XXXX XXXX  doesnt have this information in their file and claims that they never verified this info with the bankruptcy because they can not verify false 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 2022-02-25
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently obtained a copy of my credit report and MEDICAL DATA SYSTEMS I is currently reporting debt to my credit report and as allowed under the FAIR DEBT COLLECTION PRACTICES ACT, I am requesting that they allow me to validate the alleged debt. I asked to provide me with a breakdown of all charges, dates of service and procedures given including fees associated.Additionally, I am allowed under XXXX Law to protect my privacy and medical records from third parties. I do not recall giving permission for Medical Data Systems I, XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that XXXX does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXXunable to provide a breakdown of fees including any collection costs and medical charges. 
XXXX.Unable to Provide a copy of my signature with the provider of service to my release of my medical information to you. 
XXXX. I asked to Cease any credit bureau reporting until debt has been validated by me. 
I requested for MEDICAL DATA SYSTEMS I to send this information to my mailing address and accept this letter as my formal debt validation request, which I am allowed under the XXXX. I advised that withholding the information they received from any medical provider in an attempt to be XXXX Compliant can be a violation of the XXXX because they will be deceiving me after my written request. I requested full documentation of what they received from the provider of service in connection with this alleged debt. Additionally, and reporting of this debt the credit bureaus prior to allowing me to validate it may be a violation of the fair credit reporting act, which can allow me to seek damages from their collection agency. Per the standard, you have XXXX days in which to respond to this request, I submitted request on XX/XX/XXXX and I have not received the requested information. 


MEDICAL DATA SYSTEMS I ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX : {$3900.00} Account # XXXX Collection opened : XX/XX/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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-03-10
Company: ECMC GROUP, INC.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I went into default 8 years ago with educational credit management for a school loan.They sold my debt to performant creditor. I made payment arrangements of XXXX dollars a month on the XXXX to be direct deposited out of my account. I have never been late or had a missed payment. They send me a letter each month saying they are taking out XXXX dollars and the account information. Educational management sends me letters every four years stating that I need to settle the account. I called up and they told me I am in good standing then they transfer me to a lady that says I must resettle the debt. I told them I had made arrangements with the creditors they sold my debt to. They said those are volunteery payments and dont count. Now thet sent a letter saying I am in default even though they took out XXXX dollars XX/XX/2021. Now they sold my debt again to a credit company XXXX and they added XXXX in fees. I am paying the original agreement as agreed they are harassing me in and already stressful time covid. I have bank records proving I payed as well.

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 2021-11-29
Company: Santander Consumer USA Holdings Inc.
State: GA
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 have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX of 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 and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these items ASAP.

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 2022-02-07
Company: Experian Information Solutions Inc.
State: MD
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 have attempted numerous times over the past year to get incorrect information updated and corrected on my credit report to no avail. Everything is still incorrect. Now, I intend to lawyer up. Please send ANY RESPONSE OR MATERIAL TO ME THROUGH CFPB. DO NOT ATTEMPT TO COMMUNICATE BY ANY OTHER METHOD THAN THROUGH CFPB. SEND EVERYTHING TO THIS PORTAL AND I WILL REVIEW EVERYTHING THROUGH HERE. IF YOU COMMUNICATE WITH ME BY ANY OTHER MEANS IT WILL BE CONSIDERED A VIOLATION. 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 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have attempted numerous times over the past year to get incorrect information updated and corrected on my credit report to no avail. Everything is still incorrect. Now, I intend to lawyer up. Please send ANY RESPONSE OR MATERIAL TO ME THROUGH CFPB. DO NOT ATTEMPT TO COMMUNICATE BY ANY OTHER METHOD THAN THROUGH CFPB. SEND EVERYTHING TO THIS PORTAL AND I WILL REVIEW EVERYTHING THROUGH HERE. IF YOU COMMUNICATE WITH ME BY ANY OTHER MEANS IT WILL BE CONSIDERED A VIOLATION. TIA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. I have submitted a police report and a Federal Trade Commission report regarding 3 fraudulent personal loans on my Experian credit report. However, Experian has not done anything to fix it.

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 2018-08-11
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: Information belongs to someone else

Complaint:
Ive attempted numerous times of disputing incorrect information and fraud accounts due to identity theft. I will Be sending another dispute in attempt to remove these false accounts. In the midst of disputing these companies have falsely verified fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , & XXXX XXXX XXXX ( this  company has violated HIPPA Laws which I will Be suing. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: CREDIT BUREAU OF FARMINGTON, INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CBF Services ; The Debt Collection Agency ; XXXX XXXX XXXX ; XXXX, XXXX sent me a collection letter on XX/XX/2019 ( the Letter ). I disputed the alleged debt mentioned in the Letter in full in a letter dated XX/XX/2019 sent via certified mail return receipt request # XXXX XXXX XXXX XXXX XXXX, which signed for by a XXXX XXXX on XX/XX/2019, which is within 30 days of the date of the Letter. 

CBF Services provided nether a proper nor timely written verification of the alleged debt that it is attempting to collect in accordance with the Fair Debt Collection Practices Act. CBF Services is, therefore, barred from any collection activity. 
C BF services has wrongly engaged in collection activity by placing derogatory information on my credit report ( s ) for XXXX, XXXX, and/or XXXX. I hereby respectfully request the CFPBs assistance in removing any and all of said derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion will not conduct a required investigation regarding incomplete information appearing on my credit report ( XXXX  Account # XXXX ) On XX/XX/XXXX, I received a dispute results letter from Transunion XXXX dated XX/XX/XXXX. The letter states that XXXX investigation results are verified as accurate and updated, even though the last update was on XX/XX/XXXX as indicated on the attached report they sent with the investigation results letter. 

This means, Transunion did not investigate my dispute. They ignored my dispute and sent a results letter telling me that my dispute was verified as accurate. Omitted on this report was the notice of dispute notification and the date of my dispute. 

This account is now eligible for immediate deletion.

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