BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681. 


Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is second time I am filling complaint against Synovus bank and their overdraft charges. 
XXXX time it happened last year. 
When I checked my balance before I spent my money I have enough to cover charges. When I looked on my statement my balance was {$6.00} when I was charged {$36.00} overdraft fee. I was told that there I was another charge that I can not see that cost me overdraft fee. That charge had not posted until 2 days later ... and on the statement even one printed at the bank I never was negative This time I was in overdraft {$3.00}. I got charged {$36.00} overdraft fee on that. Again I checked my balance before I made another charge ... I had money to cover it because my direct deposit was done next day. That happened over the weekend. Overdraw happened on XX/XX/23 on XX/XX/23 I had {$50.00} deposited to my account then I spent {$35.00} and some small charges not to exceed my balance. 
On XX/XX/23 when I looked at my account I was in negative balance of {$140.00}. That equals XXXX overdraft fees. I didn't understand since I was only {$4.00} in negative. I was even more upset when they charged me {$35.00} overdraft collection fee. 
I contacted customer support today. I took my time... I was too upset to call. 
Today representative told me that policy changed. Before XXXX XXXX {$5.00} would not cause overdraft there must be something else. Again all charges causing more overdraft fees did not posted until XX/XX/23. I was told there were XXXX other charges pending in their other system. Those pending charges never showed on my statement or account pending... 
Since they process courtesy refund in XXXX for first incident and that only happened after I filed complaint, there is nothing they can do this time. 
The worst part new policy changes starting XX/XX/23 you must be negative {$50.00} before overdraft fee is charged and there is no collection fee. 
I guess I am out of luck. I am only one working in family I don't have money to cover. Overdraft fees... I have been with this bank for over XXXX years... 
They are hiding pending charges. No other bank does this. I don't understand how they get away with it. 
On top of everything else I was told if I don't cover overdraft charges my account will close and will be charged off...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Have tried multiple days in a row to remove credit freeze from equifax to apply for credit. Message from phone agent is call back in 30-60 min as system is updating. Have also tried online but it directs me to the phone. Engaged with equifax via XXXX, was give a different phone number and called and received the same message after calling multiple times over a number of hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: JPMORGAN CHASE & CO.
State: NJ
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:
To whom it may concern.. 
My name is XXXX XXXX and I am a victim of identity theft. As a result of XXXX XXXX XXXX data breach which occurred in late XX/XX/XXXX, my personal information, including SSN, were compromised and fraudulent access was gained to my JP Morgan Chase bank account. In additional to other fraud with this checking account which has been resolved, {$30000.00} was taken from my bank account. I notified JPM Chase within a week of the fraud but they are saying that, because I did not close and reopen the checking account after my previous existing account fraud, they are refusing to refund the money stolen from my account. This is not something I was ever told to do and, honestly, seems like a protective measure they should have proactively done for me in the first place to prevent further fraud. I have requested they listen to the calls to see whether I was even told to do this but do not know whether they are doing this for me. Furthermore, they are stating the $ XXXX was taken out more than 60 days after the time the previous fraud was reported to them but, from my perspective, these are separate incidents with separate time frames. 
We have followed the proper procedures in disputing with JPM Chase bank and they have been unhelpful thus far. I have spent countless hours, fruitlessly, attempting to retrieve my money that they allowed to be stolen. I have sought the assistance of Detective XXXX XXXX at XXXX Police Department in New Jersey, who said he would subpoena the phone and ticket records from Chase, but he has not returned any of my multiple attempts for follow up. 
Below are the series of events : XX/XX/XXXX First unresolved fraudulent charges withdrawn from my Checking account XX/XX/XXXX Identified the fraudulent charges and notified JPM Chase XX/XX/XXXX Received the official claim forms from Chase. Signed and dated the same day and faxed back to Chase XX/XX/XXXX Received first letter from Chase bank denying the claim XXXX I called Chase to reconsider the denied claim. They said they would reconsider. 
XX/XX/XXXX Received another letter from Chase saying the disputed transactions would remain on the account and the claim was denied. 
Between then and now I have spoken to Chase many times without resolution Because JPM Chase bank is not following their own regulations for fraud resolution for money taken from an existing account, and my local police have been unhelpful so far I am seeking assistance from your organization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
The following phone numbers have attacked me with a phishing scam : XXXX XXXX XXXX XXXX, and ( XXXX ) XXXX. 
( XXXX ) XXXX sent a text message to my phone, ( XXXX ) XXXX Saturday, XX/XX/XXXX at XXXX XXXX  CST with the following text : " BACKGROUND CHECK NOTICE - Someone Ran One On You, 0n Fri XX/XX/XXXX. Find Out Who ; XXXX  : XXXX '' I opened this link on a sandboxed computer ( no personal info on it ), and it was a phishing scam asking for me to put in more personal information. 
Next, ( XXXX ) XXXX sent a text message to my phone ( XXXX ) XXXX on Sunday, XX/XX/XXXX at XXXX XXXX  CST with the following text : " Re  ; EQUIFAX Has Flagged Your Account For Unusual Activity ... Please Handle ; XXXX  : XXXX '' Please investigate into the owner ( s ) of these phone numbers and website domains. This is targeted harassment, and I am worried that there is nothing I can do. Blocking them is futile, because they keep changing their phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Bad vehicle car died XXXX months into owning the car. Was over charged for loan

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 2020-09-23
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Due to continuous noise complaints of my neighbors above me for several months and management 's lack of attempting to fix the issues at hand ; both management and I, came to an agreement via email, that I can move out due to him finding someone to take over my apartment. Management informed me that I would have to move out on XX/XX/2020 and surrender my keys that night so that the apartment would be prepped for the next person to take over the apartment on XX/XX/2020 and in turn I would only have to pay the amount of {$280.00} from XX/XX/2020-XX/XX/2020. 

I ensured that the apartment was clean and completely empty when I left on the night of XX/XX/2020 as requested by management. 
After moving out, I purchased my money order on XX/XX/2020 and stopped by the leasing office and placed the amount of {$280.00} in the dropbox since the office was closed due to Covid-19. 

Management then reached out to me and informed me that the person will not be moving in until XX/XX/2020, however, that was not apart of the agreement that he sent me via email, so therefore I informed the collections company via email and certified mail that I am not responsible for the rest of the amount because there was no verbal or written agreement with management that I would be responsible for any other payment. I paid what was owed of me, which was the {$280.00}, so the debt that was placed in collections is fraudulent and should be removed. 

I was also told by two close friends that still resides at the apartment complex that a couple moved in my apartment shortly after I moved out in the month of XXXX. They are not sure of the exact day of move-in, however they are sure that the person moved in XXXX. 

Although I sent certified mail to the collections agency with documents proving that I do not owe the apartment any other monies, they still placed the collections on my credit report. 

Please help me to rectify this issue, as I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: VW Credit
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 contacted VW finance in 2018 and provided a court order to remedy my dispute. VW returned a vehicle to the possession of my ex husband that was titled under my name following a repossession. I was not made aware of the transfer of this property back into his care and obtained a court order stating that my ex husband would be entirely financially responsible for the vehicle, at which time he was ordered to retitle the vehicle under his own name and remove my name from the title. Volkswagen financing was provided with copies of this order on two separate occasions, and a formal dispute was filed. However, VW financing refused to honor the court order and placed this negative debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Messerli & Kramer P.A.
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
someone took a credit card out in my name ( FRAUD ) and i didnt no about it was took late they filed a judgment aginst me in XXXX well in XXXX they open the case agian and filed another judgment aginst me witch i never recived anything the second time i didnt they could only go back 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am so upset about the investigation of a dispute I have sent in to Transunion. I have verifiable proof of a deleted account from the vendor they use to verify public records and they are not acknowledging it! This incorrect information that Transunion is reporting has been such a hinderance to my livelihood. 
I have received a letter from XXXX stating that they removed a bankruptcy that was reporting on my credit file. I sent in the dispute letter to Transunion in which they received on XX/XX/21. On XX/XX/21, I received several letters from Transunion stating that my dispute was complete and verified as accurate, another stating that the dispute would be completed on XX/XX/21, and another one providing me with my credit report. When I called in and requested a description of the procedure used to determine the accuracy and completeness of disputed information, they would not send it to me, which is a violation of my rights according to the FCRA. After several phone calls, XXXX from the XXXX, PA office said they verified the bankruptcy from XXXX on XX/XX/21. I called XXXX and spoke with XXXX XXXX who verified that Transunion has not been in contact with them. She also verified that there was not a bankruptcy reporting on my consumer file. On Transunion 's website they confirm that they verify public records from XXXX. I have valid proof that I do not have a bankruptcy and that this information is reporting inaccurately!

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 2018-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX XXXX and 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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I discovered I had been a victim of identity fraud. Someone used my personal information and opened several fraudulent accounts. It appears they also fraudulently attempted to file a bankruptcy petition to cover up the identity fraud. I contacted Trans Union about the incorrect information showing only on my Trans Union credit report which showed I had filed a bankruptcy in 2018. I asked Trans Union to provide me with the company that provided them with the incorrect bankruptcy information. Trans Union refused to provide the information. The incorrect bankruptcy information only appears on my Trans Union credit report. Every time I contact Trans Union to correct the information and delete the public record of bankruptcy they only state that was the information supplied to them by another company and they refused to investigate and delete the incorrect information. I have never filed bankruptcy!!!

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 2023-03-14
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX IQ DATA INTERNATIONAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious IQ DATA INTERNATIONAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Santander Consumer USA Holdings 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 status incorrect

Complaint:
Several attempts have been made with Santander to correct the information reporting to two out of the three credit reporting agencies, XXXX and XXXX. A dispute was made for a third time to XXXX and XXXX stating the information for a 30-59-day late payment was incorrect and needed to be fixed immediately. XXXX and XXXX came back with a statement that states Santander Consumer is providing accurate information even after a formal statement issued by Santander to myself was issued to the agencies as proof. Santander continues to report false information even after providing a statement that the information would stop being reporting several months ago. As a consumer I should not have to suffer for the negligence of your customer service team providing inaccurate information to me about payment schedules during a refinance process. This is my FINAL notice to Santander Consumer to correct the information. Two letters prior were mailed out with the documents you requested, copies of my credit report showing the inaccurate reporting. If Santander does not comply to the statement you issued to me stating, you corrected the wrongful information on a certain date, I will use my right under the FCRA to take legal matters against the company. Attached is an XXXX credit report dated for XX/XX/2019. Please refer to the highlighted section for the statement issued stating Santander is reporting the negative mark as accurate instead as removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-23
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2019 I check my checking account activities with T.D.Bank and saw that my account was negative {$14.00} Immediately I transfer {$17.00} from my savings to my checking. so that should cover the negative and left {$3.00} Then my brother made a deposit into my checking account of {$20.00} on XX/XX/2019 wish was the next day. When I check my account on that day there was a charge of {$35.00} for overdraft fee. That was a error from the bank I file a complaint with the XXXX and I check my account a few days later and was another fee of {$35.00}. 

This is fraud I'm sick and tired of having problems with this bank the whole year. I'm a XXXX Senior Citizen with fixed income, and can't afford to be wasting money giving it to any banking institutions. I is always involved in error by the customer service department. 

When you call the Customer Service Representative they be very rude and unprofessional on the phone. I suffer from XXXX also XXXX XXXX XXXX.They are robbing me from my food money. I don't get food stamps here in XXXX XXXX County Virginia were I reside. 

This is all for now My name is XXXX XXXX XXXX my checking account number is XXXX Attach you will see proof of my account activity and the transfers deposit

Company response to consumer: Closed with explanation