BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Last month i sent out some documents to TransUnion, XXXX and XXXX  credit reporting agency about a late payment that saw on my credit report. I submitted all the right documentation for the CARES ACT forgiveness to show that the alleged late payment should not be counted against me since i was affected negatively by the pandemic. When i submitted a CFPB to the agencies they are ignoring me and saying they don't recognize me as a consumer. The pandemic has hurt alot of us and the Cares Act is in place to help us ease the suffering especially financially. Please help me bc it doesn't sound like they will honor the cares act. I called the furnisher of the XXXX XXXX XXXX  in and they refused to validate and remove the other late payment. I explained to them that i didn't even know i had a credit card with XXXX due to misleading advertising when i was in the store. I thought i was signing up for a members reward card and they gave me a credit card instead. Now The account is open and in good standing at the moment but they will not honor the CARES ACT here and remove the 30 days late payment. Please help this is causing me stress and severely hurting my 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 2020-05-17
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I settled three accounts that were charged off and reporting negatively. I was told by each creditor or account holder the accounts would be removed within thirty days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: TD BANK US HOLDING COMPANY
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: Problem with personal statement of dispute

Complaint:
With my. Target credit card. TD BANK USA/ TARGET CREDIT.

I paid off my balance when I refined my house in XX/XX/2020. I was under the impression that I am a XXXX  balance. 
There was {$2.00} Finance charge. Which I did not have any problem to pay to make sure that my account is XXXX balance. 
The problem that the TD BANK USA/ TARGET CREDIT failed to communicate with me. Or notify me. I called them finally in XX/XX/2020 when I recognised that I have a past due balance. I got to know this past due balance from my huge drop in my credit score. So I called them inquiring about the problem. They said that I owe them {$2.00} plus {$5.00} fees and they send me emails about it monthly. I looked it up and I see all emails were going to my spam and my pc consider it as spam advertisement.

When I explained that to them the bank representative said that there is no default on their part and they have to report it to the credit bureaus.

It is as serious matter as I am very careful on my credit payments and my credit profile and I keep very close eye on my finances.

But when I do not get a good way of communication from the TD BANK USA/ TARGET CREDIT and they report it to credit bureaus that is unfair.
I asked if I did not response to your emails why you did not send me a letter by mail or a phone call or both.

Representative said we do not do so.

It is a serious matter as they report a delinquency in my account and I have no way of communication with the bank to get to know that I owe them {$2.00} plus there {$5.00} ( {$1.00} a month ) Fees.
That is not fair and I am disputing that. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Experian Information Solutions Inc.
State: HI
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 Contact Experian and XXXX XXXX Asking for Validation of the verified debt, follow up letters etc. I sent both certified letters for the burden of Validation. Sent them identity theft report about XXXX XXXX.. I call many time.

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 2020-06-27
Company: TD BANK US HOLDING COMPANY
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
So I have a TD Cash credit card that I have been using for 3 years. On XX/XX/XXXX, my wallet was stolen in XXXX and the suspect bought approximately {$200.00} of goods from the local XXXX with two separate purchases. I immediately filed my card lost/stolen and called to dispute the fraud transactions. This was on XX/XX/XXXX that I filed that, but the person helping me only claimed 1 of the 2 XXXX transactions as fraud, so the investigation team declined the claim. I learned this on XX/XX/XXXX and immediately called back the same day to correctly file both XXXX charges as fraud, the customer service worker said they took care of it. In the following week, I never saw a temporary credit, which usually happens in the following few days. I called back on XX/XX/XXXX to check the status and the new customer service worker said that nothing was filed, and we had to start from scratch again, which we did. She made it clear that it could take a month or longer for the investigation to be completed, so I have been patient. As of now, XX/XX/XXXX, I still see a remaining balance on my credit card app and am receiving emails to pay the fraudulent balance ( I paid off all other purchases made before closing the card on XX/XX/XXXX ). I filed a police report, followed all the correct steps, and have not run into any of these problems with the two other credit card companies ( XXXX, XXXX  ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-13
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to XXXX and tried to purchase an excursion package, however the company cancelled the excursions due to bad weather and told me that I would not be charged. After returning back home I still did not receive my full refund so I contacted Chime in order to file a dispute. Chime processed my dispute but told me I was not eligible for a provisional credit, however I should receive my funds back in my account within 10 business days. 10 business days turned in to 20, 30, and 60 days later. I have contacted Chime over 20 times and have been hung up on over 5 times, on hold for hours, transferred all over the company, been told I would be contacted several times and never contacted, and given the run around over and over. 

Then I was told that legally I would definitely get a response and resolution within 90 days. However when I contacted them on XXXX ( 90 days XXXX I was told it was not resolved and they need more time. I was told they would escalate the case and I would definitely be contacted within XXXX business days. As usual no one contacted me. I sent and email also and no one contacted me. I contacted them again today XXXX and was told they need to escalate the case again and they are sorry there is nothing they can do. 

This is the worse experience I have ever had with any company, not to mention a bank that is in control of my personal finances. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding the numerous incorrect and unknown inquiries/accounts on my credit report, and sixty ( 60 ) days later they have not yet provided any explanation nor they have deleted those errors on my credit report. I feel like I am being ignored on my dispute letters. Under the Fair Credit Reporting Act, a failure to investigate any items in dispute by the consumer within thirty ( 30 ) days will result to the immediate removal of those items from my credit report. It has been over 60 days, so they should have been deleted by now as mandated by law. If their ignorance of my disputes persists, I will have no choice but to file for litigation against them. They have affected my ability to obtain credit or take a personal loan. Furthermore, my information was also impacted by the Equifax and XXXX data breach, and my information may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Some one used my credit to try to get a car. attached is letter from dealer and police report

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 2018-12-31
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Call protect blocked 14 calls from this number in less than one minute. Blocked it as severe fraud. XXXX   the phone number and saw several reports of it belonging to XXXX XXXX  XXXX. I can provide screen shots of the call logs from my 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 2018-04-24
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX, I sent a letter to all three credit bureaus requesting that they investigate errors that appeared on my credit report. I had no problem receiving a timely response from XXXX and XXXX XXXX, but Equifax still has not responded. They are supposed to respond within 30 days, but we are now going on 3 months without any response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XX/XX/XXXX, I filed a chapter XXXX  bankruptcy case number XXXX which included an auto vehicle, a XXXX XXXX XXXX for a loan that I had taken out with XXXX XXXX XXXX out of XXXX, XXXX. In the bankruptcy filing, I continued to make payments to Springleaf Financial for a " cram down '' that was done on the auto loan. It was my understanding that at completion of the bankruptcy, after discharge that the lien on the vehicle would be released and that I would be sent the title to the vehicle. The bankruptcy discharged on XX/XX/XXXX and I've yet to receive the title for the vehicle. In fact every company that I've contacted that had a hand in the proof of claim, transfer of claim and every other step claims that the are not responsible for the lien release on this vehicle. My problem still goes further. I since re-established myself and needed to purchase a reliable vehicle and have attempted to trade this vehicle. With the assistance of a local car dealer, they've tried to assist me with obtaining the title, the Division of Motor Vehicle for XXXX XXXX show that XXXX XXXX XXXX, the original lienholder has yet to release the lien/title. XXXX XXXX XXXX has been deemed a failed bank and has been out of business since XX/XX/XXXX. I have documentation that Springleaf of XXXX  filed a proof of claim for the balance of {$5500.00} on XX/XX/XXXX, a transfer of claim was then done by XXXX XXXX on XX/XX/XXXX. After contacting XXXX, I was informed that Springleaf recalled the debt due to the account being paid prior, the recall was completed on XX/XX/XXXX. Springleaf has said that they show this account- reference number XXXX  as an unsecured debt and therefore have no lien to release. I've held up my end and completed all payments agreed upon as requested. I simply want the title to the vehicle so that I can move forward and on from this bankruptcy. It seems as if the laws don't cover the consumer and basically banks on the consumer not completing the payments due on the bankruptcy. I've made attempts to contact the FDIC since XXXX XXXX is now out of business. Again, I simply just want the title. I've spent countless hours on phone calls, writing letters, faxing and researching and no one seems to want to assist me but there was no issue cashing payments that were received for the debt. The dealership has offered me compensation for this trade and due to this issue I may lose the money on the t and

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I sent a dispute a correcting my names on all XXXX credit bureaus. I asked them to remove all these aliases off my report because it is damaging and unfair. And has not been fixed.

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 2018-12-11
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Wells Fargo Bank after 10 years of banking relationship closed my business account on XX/XX/2018 claiming I was high risk. My business is bank sponsored by XXXX XXXX which classifies me as a XXXX, not an XXXX. With all of the publicized problems, Wells Fargo has shown I feel this is business discrimination. I know there is a coordinated banking operation called XXXX XXXX XXXX and this is an example of it. I feel my business reputation has been tarnished and from a bank with a tarnished reputation, this seems hypocritical.

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 2018-12-11
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/18 XXXX and XXXX XXXX received a phone call from a representative of a collection agent stating I XXXX XXXX am 18 months behind in payments therefore they must collect {$20000.00} from Mr and Mrs XXXX immediately. I have not received any correspondence from any company. Upon calling the number provided to me by my parents of XXXX I immediately got a voicemail stating I had reached Transworld Systems Inc. the voicemail requested acct number, name and social security number. The representative who called my parents threatened to continue calling them until they receive the full amount via wire transfer. The rep was advised of medical concerns of the elderly parents and they stated they would continue to call. I do not know who they are representing or what is owed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: IL
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:
Equifax has reported that XXXX XXXX provided them with a copy of my suppressed reported. I reached out to XXXX XXXX and they reported that the file is suppressed and was not shared with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: LEXISNEXIS
State: OH
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:
Lexis Nexis XXXX XXXX XXXXXXXX XXXX, GA XXXX RE : Social Security Number : ********** To Whom It May Concern : In your letter dated XX/XX/2018, page 2 you acknowledge that under the FCRA that I have the right to request a description of the procedure used to determine the accuracy and completeness of disputed information. 

I am requesting the exact method of verification used considering Bankruptcy Rule 9037 ( a ). 

REDACTED FILINGS. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number.

Please note : You may not surmise that just because a name, partial address, partial account number, partial SS number, generation ( Jr., Sr. ), and or the 2nd or 3rd generation etc. is accurate. 

Therefore, based upon Bankruptcy rule 9037a above, the information many not be verified based upon assumptions.

Failure to respond satisfactorily with a deletion from your records within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Square Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been trying to get my money out of cash app or send it to someone I have funds already added in my cash app and whenever I try to send it they do not let me and say I don't have sufficient funds when I clearly do. I even tried sending to my bank but they do not let do that either. Here is a video of the same. I have tried reaching out of them in every way possible. Including their social media channels. but they do not help at all. They have the same to others. please stop it XXXX XXXX   XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 was at work on Thursday the XXXX when XXXX gave me a notification that i opened of a hard inquiry on my account. I checked, and it said it was a XXXX XXXX credit card. Ive never shopped there before so i know i didnt open it. I called their customer service to try and get the account closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation