BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 1681 section 602A. states I have the right to privacy. 15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( 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.

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: EQUIFAX, INC.
State: MS
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. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Unfortunately, there was some miscommunication of how my last payment was to paid on my vehicle and we were completely unaware and were NOT NOTIFIED that this would not be taken via autopay. This is a company car that has been on AUTOPAY for the last 5 years As a result my last payment to you was delayed which resulted in a 30 day late payment on my credit report. 

We did not receive the actual statement until XX/XX/2020, the mail delay appears to have been triggered by an incorrect mailing address on the statement that you sent us. The statement was sent to a XXXX address rather than the correct address of XXXX XXXX. ( Please see attached utility bill with correct address ) Once we received the statement we immediately called and asked to pay this via CC or via EFT and were informed that wasn't possible. We were told that we would not receive " any late payment or penalties ''. We mailed a check on XX/XX/XXXX and that check was not cashed by your company until XX/XX/XXXX. The check would have been drafted on the XXXX but our XXXX was home sick with XXXX and was unable to draft the check until the XXXX. 

I have sent in the request to have this corrected by TD Auto Finance but they refused. Letter Attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, I opened an new checking account Citibank, I deposited {$25.00} as a requirement to open new account them I deposited {$1700.00} issued by my client as I work as a caregiver for him. The next day after opening my account online, I tried to open my mobile banking and I couldnt, I called customer service and they transferred me to the fraud department, they said my check is suspected fraud and they need to verify it with the issuer of the check, ( They didnt give me a reason why they think its suspicious ) So I gave them the phone number and they said, they couldnt call the number because its not verified phone number. they said its registered to the issuer but not verified. I gave them their house phone number again and its the same it is bot verified. So I have not idea how will I give them another number. Other option is to go to the physical branch with the issuer but they dont have any branch in my state. I asked the issuer to call them using his phone number but they couldnt honor that since theyre saying the couldnt verify that on their end all the customer service is in the XXXX and they barely speak the language and doesnt have enough resources for verification. The only way I can get my money is to wait 30-60 days till they close my account and theyll issue me a check and thats not even guaranteed. The check issuer even called his bank and see if he could stop the payment but they couldnt because the money has been deposited into my account. 
I asked them my account number since I didnt get a chance to get it since they closed my account right away, they couldnt give it to me even though I gave them all my details and answered all the security questions. 
I spoke to the executive agent and gave me a case number here it is : 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 2023-09-20
Company: EQUIFAX, INC.
State: CO
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:
Equifax has continued to leave an account on my credit report that is the result of fraud and identity theft. I have sent in the required FTC report for the theft. I also am now including a letter from the company that states they have no verification that this account is mine, and that they also request Equifax to remove the information. However, Equifax still hasn't removed it, violating the FCRA. 
Sometimes Equifax claims it's a XXXX XXXX XXXX XXXX  account instead of XXXX XXXX, but none of those belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Date of dispute- XX/XX/XXXX ATM at Wells Fargo ATM , XXXX XXXX , XXXX Ca. 

I tried to withdraw cash from my Savings account for {$200.00} and {$150.00} from my Checking account,. All of which DID NOT disperse any funds. I knew that I had the funds in there but did not know why the transaction would not go through. After several attempts the machine closed up said " suspicious activity '' and cancelled the transaction and gave my card back without a receipt or any cash. 
After arriving home I received a Text from wells Fargo asking me if I recognized this activity and I said yes but I did not receive any funds. I called again the following morning and told the gentleman what had happened and he said he saw the problem and would take care of it. I then received an email from Wells Fargo Saying the transactions were declined and I would not be charged. The {$150.00} from my checking was taken off but not the {$200.00} from Savings. When I inquired about the credit they said no, the ATM had dis burst the funds. If this were true why would they send me the an email stating that the transactions have been declined! 
I have now been battling this for all these months now, being bounced from one department to another, another telephone number to start all over from the beginning only to be told that is a different department. I even made an appointment with a banker in XXXX.XXXX, she was wonderful and so patient. She looked over my documents and made a report. Still no letter of explanation. Then finally XXXX, XXXX I get a letter from ATM Claims.But my questions are still not answered. This has been so stressful, I have lost sleep and gotten so frustrated over and over again. I DID NOT RECEIVE ANY FUNDS 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 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I just so happened checked my credit score on XXXX XXXX on XXXX XXXX at XXXX. I noticed that my score was XXXX and it dropped to XXXX, I was so upset meanwhile I contacted Capital One I spoke with two agents they both gave me different stories, long to the short I charged something for the first time. I personally called them to make the payment over the phone remind you I still never got a bill but I new that I used the card that one time and paid it now there saying I am late making payments for two months they are making up false stories I need late payments removed or close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
Company: M&T BANK CORPORATION
State: PA
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:
M & T Bank has routinely created excessive roadblocks for it's customers in accessing basic customer services, especially in investigation of fraudulent charges. 

It is a well-established industry standard in banking, to provide customers the ability to initiate investigations on potential fraud via web and mobile platforms. Further, this institution has not even organized a customer-facing department to address inquiries related to fraud. Customers have no one to call, except the main customer service line. On at least three occasions, since prior to XXXX XXXX of 2022, the main customer service line was either completely shut down or forced customers to wait at least one hour for service. During this time, most branch locations were closed as well. 

M & T Bank has failed to do this for their own customers, and now have taken on additional customers from People 's United Bank, who are also not being adequately serviced.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 tried to work with both the credit beurres and collector to have this fraudulent account removed from my credit report. There is information on my consumer report that is a result of identity theft I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. I tried reaching out to the collector various times via email and mailed letter asking for validation debt letter and they failed to provide me with it. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX Act # 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 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 requested my credit report to get fraudulent inquires that I didn't initiate removed from damaging my score. I sent XXXX a letter 30 days ago and theyve yet to respond I am writing to inform you that these hard inquiries were not authorized by me and I wish to have them deleted. Some person or persons within your consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is 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 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I bought 2 time for items from Online Store name is XXXX, One time was going to return whole thing because i wasnt happy about the merchandise and they said, i will give me refund and keep the items.. ( I don't even remember what I got ). 

And a couple of monthy later I ordered like small kitchen stuffs, phone charging cables, plastice stuffs to use at home and I didn't revice the packages. 

I tried to call or chat XXXX but never success to talk to customer service, so I disputed with my credit company and submitted dispute letter but it went through charged to my account. I talked to serveral times and faxed and sent dispute letter. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Experian Information Solutions Inc.
State: CA
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:
Report Number : XXXX The investigation and results you conducted do not abide by the FCRA or TILA therefore you must remove these accounts immediately.

Experian you cant keep " updating '' unverified, fraudulent, and incorrect information. I have had enough, this has been going on since XXXX of 2020. 

To begin with the information being reported by these creditors does not match my personal information, that alone should be enough to delete these accounts. Why has I taken Experian 6 months to understand? 

Remember an account must be 100 % verifiable in order for you to report it, yet you are reporting inaccurate, unverified, and fraudulent accounts? 

How are you certifying these accounts are true? Why are you not following section 314 of FCRA and providing all required information? 

Experian, I dont have time for your games, you are wrong, you have surpassed the investigation window timeframe by a few months. 

Stop wasting my time and money and damaging my credit report. Experian has caused serious damage to my credit report by reporting incorrect accounts that do NOT belong to me. 

Delete this nonsense and stop wasting my time and damaging my report. 
Experian you have violated the FCRA, FDCPA, FCBA, and TILA.

Experian has violated Sec. 314. Improved disclosure of the results of reinvestigation. 

Experian you certified the information is correct when its not. You cant keep updating fraudulent information and sending me the same dispute results that against the law. Stop saying these are certified they are not and do not belong to me delete these accounts already.

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 2019-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Capital One 's representative XXXX, employee ID XXXX confirmed today that at the management ( supervisor ) level, they were refusing to do anything to get my Walmart credit card application processed. I submitted my application 10 days ago now and they say it is in " pending '' status but refuse to tell me what is needed from me to verify information. They said 7-10 business days but, from what I understand from all representatives I've spoken with, nobody has even looked at the application ( meaning it is likely stuck somewhere ), and now that we are 10 calendar days out it seems impossible that they will get back to me in the timeframe quoted, yet XXXX confirmed nobody is going to do anything. Capital One has a responsibility to process applications. To date, I now have four inquiries on my credit reports from this one card. One inquiry is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Have Two Accounts with different amounts with XXXX XXXX XXXX {$260.00} & {$950.00} U.S. code 1692G XXXX XXXX XXXX has no state License in the state of Massachusetts

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 2021-11-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was checking my credit report and I notice 5 collections were added to my report from Ars I have never received any notification of this debt by mail or phone.

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 2023-09-27
Company: ECMC GROUP, INC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX of XXXX, I was in the process of purchasing a home only to find out that I had defaulted on my student loans. I had filed bankruptcy in XXXX, and my loans were placed into forebearance. During which time, my loan servicer XXXX was found to have used fraudulent practices and loans were being dismissed. So, when I called to check on my loans, there was no record of them existing. I assumed my loans were dismissed. This was several years ago. 

My student loans just came up again this year in XXXX so XXXX trying to rectify the situation. It was revealed to me that XXXX and XXXX were reporting my loans under an incorrect social security number. Therefore, I corrected that error by providing a copy of my social security card. Now, I feel like I am getting the runaround from XXXX. XXXX being told that I can not take advantage of the programs offered on the XXXX website because they are not my loan servicer and just a holder of my loan. However, The Department of Education told me that XXXX is the servicer of my loan. At this point, I want to come out of default status and do whatever I need to do to be in good standing. Unfortunately, I am not able to pay what is owed in full. I would like to take advantage of an income based repayment program that will bring me back into repayment status.

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 2023-08-31
Company: GOLDMAN SACHS BANK USA
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: Problem with personal statement of dispute

Complaint:
The company refused to approve an Apple Card for me. I haven't use credit cards for the past 25 years. I don't want to use credit cards, but now I want to get a credit card from XXXX Co., since they have an interest free loan option for buying a computer. My computer is old and is not working. I need a new computer, because I am back in school. 

Goldman Sachs wrote me an email the other day, telling me that I am creditworthiness, because I don't have credit cards, and because I have a large student loan. 
Nonetheless, my XXXX XXXX is XXXX, and I just received a new student loan from the U.S. government. If the U.S. government trust me, why can't Goldman Sachs do the same? 
Thank you for your help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
ON XX/XX/XXXX. WAKEFIELD AND ASSOICATS, SENT ME A TEXT MESSAGE REAGRDING MY PAST DUE BILL, I THEN CALLED THEM AND OPTED OUT OF TEXT COMMUNICATIONS. I THEN RECVD ANOTHER TEXT MESSAGE XX/XX/XXXX FROM THE SAME COMPANY. THAT IS A DIRECT VIOLATION OF THE FDCPA ( UNFAIR OR ABUSIVE PRACTICES )

Company response to consumer: Closed with explanation