BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: Bridgecrest Acceptance Corporation
State: CA
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:
On XX/XX/2020 I sent via certified mail, deliver receipt to advise that two accounts with this bank listed on my credit report were fraudulent. This company failed to remove although cfpb complaint, police report with account listed, notarized affidavit were received. This company is acting in excess of the law. I sent a follow up letter on XX/XX/2020 demanding they comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My direct deposit was placed into an unknown account, that my name, to my knowledge not attached to. 
All statements went to a different address that I was unable to obtain. 
I requested information of my ACH deposits, however, XXXX XXXX does not allow you to speak with their ACH department. 
After long hold times, I am hung up on by representatives and have attempted to reach the employer to learn the banking information and they also refuse to assist. 
All my money for employment was placed into an account and I am unable to obtain it. 
I have also attempted to get in touch with anyone who is anyone in the XXXX company and they are at the mercy of the employer who also refuses to provide the information on the account my payroll was deposited in.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

Equifax- USPS XXXX : XXXX - Delivery Date : XXXX XXXX I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, you may be liable for your willful noncompliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  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.

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 2023-05-16
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Sent a wire request to my XXXX account from Marcus nearly 2 weeks ago. No email confirm from institution of the request. They locked my account with no communication and had to talk to multiple CS reps to unlock the account. After all this hassle, they canceled the wire request about a week later. I tried to initiate an ACH from XXXX, and they locked all debits from my account with 0 communication. I have never received a single email throughout this process and have money I need stuck in this account with no way out. Reps have conflicting information and are generally unhelpful

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: CASHCALL, INC.
State: CA
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 never authorized my credit to be run and it shows up on my XXXX  credit report as a hard inquiry which ultimately lowers my score and this account is on my credit file in error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: LCO Financial Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have already paid {$650.00} on a {$500.00} loan. 

I feel the interest being charged is predatory. I was not told the interest rate during my application process with the representative via telephone. 

I was also told I would not be approved for the loan if I did not agree to making automatic account withdrawals. 

I believe I was taken advantage of. 
I paid {$650.00} for a {$500.00} loan. 
I believe they made enough money off of me and that for me to pay more is relative to stealing, while taking advantage of being a tribal company, effectively dodging laws made to protect the public. 

Again I paid {$650.00} on a {$500.00} loan. I would love to request the company to settle paid in full and close my account based on my payment history.

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 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Billing dispute for services

Complaint:
opened a XXXX credit acct. through/with XXXX XXXX. XXXX credit limit. a series of fraudulent charges were made on the card. tried to reconcile with bank many times over the course of months ... asked them repeatedly to freeze the acct., with no result. finally shredded the card ... four months later i was still getting bills with new charges on the acct. any attempt to deal with them via phone was almost impossible as most of the time i got someone who didn't speak english, or was incredibly rude calling me a deadbeat! i was always polite with them, simply asked for a full accounting of all charges made on the account from day one before i would pay in full yet another time. ( i had done so twice previously ) never received anything except nasty letters or bills. i have a file approx. 2 inches thick letters and bills from them, called dozens of times. not honorable people. i pay my bills.

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 2023-01-11
Company: Experian Information Solutions Inc.
State: AZ
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:
The In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15U.S.C. 1681 section 602A. States I have the right to privacy 15U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-11
Company: Early Warning Services, LLC
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received a XXXX payment request for {$540.00} for XXXX  on XX/XX/2023 This was a fraudulent request I logged into XXXX and saw the request There was a note on XXXX that said that if I didn't make the transaction, I should report it to the Fraud investigation team at XXXX I called this number thinking it was the XXXX XXXX investigation team they answered the call saying " XXXX XXXX XXXX ... '' they asked me to download the XXXX  app to my phone so that they could see my activity, for the purpose of protecting me from future fraud they proceeded to ask me to log into XXXX, XXXX, XXXX, and zelle. 
ultimately they asked me to add the recipent " XXXX XXXX '' to zelle and XXXX for the purpose of verification and also to cover all of the bases for protection I did what they asked and then they asked me to type in XXXX on zelle and send I ended up being scammed into sending " XXXX XXXX '' {$1000.00} I realized I had been scammed and hung up and called XXXX XXXX XXXX immediately to stop the payment which was still pending. They said there was nothing they could do except file a fraud claim, which I did. They then told me to call Zelle. 
I called Zelle and they said the only thing they can do is to alert the recipient 's bank of the scam. 
I'd like to file a complaints against both XXXX  and Zelle for not working with me to refund the money that I was scammed out of, especially because I called immediately while the payment was still pending and they didnt act quickly. 
scammers make millions off of the third party payers like zelle and XXXX because they offer no protection to clients. They have an obligation to protect clients

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I contacted Midland Funding on XX/XX/XXXX to request a hardship on a XXXX XXXX ( XXXX ) collection account. After reading in Midland Fundings website it clearly states : -We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. 
-We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster. 
-We cease collection activities when we receive documentation indicating that the consumers only source of income is from exempt sources, such as Social Security or Supplemental Security Income benefits, and that the consumer has access to no other assets. We work with and are sensitive to consumers who encounter unforeseen circumstances, such as job loss. 

I informed the company of my medical diagnosis " XXXX XXXX '' I was diagnosed in XX/XX/XXXX.  Because of XXXX treatment I was unable to maintain my employment with XXXX XXXX. I lost my housing during that time as well. Over the last 2 months my children and I have lived at XXXX XXXX. And I receive {$380.00} monthly in child support. 

On XX/XX/XXXX I faxed over documents : verification of shelter stay, and court ordered child support. I was told by my account manager that I did not qualify for a hardship. I stated THEIR company verbiage that according to them qualifies you for a hardship ; which is listed not their website. I was instructed to resubmit the documents and I would be notified through mail. I told my account Rep that I did n't have a current address, she then stated that she would contact me via telephone with the status approval/denied. As of today XX/XX/XXXX I have not been contact by anyone at Midland Funding LLC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-03-19
Company: Paypal Holdings, Inc
State: DC
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 reported fraudulent transactions on my PayPal account in XX/XX/2019, and PayPal has still not responded. The resolution center status remains " Under Review. '' While under review, I have been unable to unlink my banking and credit card accounts, further putting my assets and credit profile in jeopardy. 

PayPal provides no means to contact or followup with an entity that can fix the impasse. 

PayPal has not refunded the approximate {$55.00} taken from my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I pay bi-monthly payments on our home mortgage. Our loan was transferred to US bank sometime last year. US banks has been applying our payments to the principal amount on the loan and sending us states saying they we are delinquent and charges fees. I called US bank in XXXX and the representative tracked all the payments coming in and saw that we were paying bi-monthly and paying before the due dates ( which should give us a credit ). The representative reversed all fees and sent us a current statement. She did acknowledge that their system was not able to distinguish a partial payment vs. a full so it defaults all payments to the principal balance. I asked if we were in danger of loosing mortgage because we wanted to continue paying bi-monthly as it works best with our family 's budget. She said it should not be a problem and that she would note the account so we would not have the issue going forward. We did have this issue again and I called in to have them make the correction and I was given feedback that their system does not recognize partial payments. I don't understand this because their system still accepts all payments. She said that was their policy but I have NO documentation supporting this ( see statement ) I told them of what happened in the past and reminded them of what the past representative had informed me. I spoke with 3 different people and they all wanted to inform me about policy instead of actually making the correction. I informed one rep point blank that " I the consumer was showing and error in US Banks processing of our payments ''. We had payed half of our XXXX payment on XXXX and they are saying we have not paid XXXX at all. I asked them to make the correction and I was just given a lecture about how to pay my own payment. The feedback that I was getting from US Bank was that they were going to keep charging late fees and keep reporting erroneously to the credit bureaus even though they know that we almost a whole month ahead on our mortgage payments. Please see supporting documents. What ever you can do to help would be appreciated.

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 2022-10-15
Company: Experian Information Solutions Inc.
State: CT
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, Account Name : # : XXXX, have violated my rights. 

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 an 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 2020-12-08
Company: TD BANK US HOLDING COMPANY
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX. XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I mailed a Multiple inquiry Removal Letter on XX/XX/2018 by certified mail in order to dispute information, in regards to 6 hard inquiries, that was being reported on my credit report. They received the letter XX/XX/2018 and they completed the request on XX/XX/2018. The request that I submitted included 6 hard inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate  and respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Repeated ongoing phone call all day and night. I paid the amount, {$360.00} to XXXX XXXX, however the calls and letters did not stop. As a matter of fact I was harassed for not paying this debt that not only paid once but I paid it TWICE and still they insisted they did not receive payment. This satisfied debt is still being reported improperly and incorrectly on my credit report and negatively impacting my credit score and worthiness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: Affirm Holdings, Inc
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I used Affirm when checking out on a online purchase on XXXX. XXXX mislead me on the product I was purchasing with stock photos. Once i pucrchsse the item I recieved a reciept with a totally different, worn, dirty and abused bag. I immediately contacted the seller who refused to cancel order and told me to resale it on poshmark. I contact XXXX  was told I have no order under my accpunt. I sent them return recipt and no more respinses. I contact affirm. Sent them all pictures of what i purchased. My communication with seller and XXXX  And i sent them a copy of their misrepresentation policy. To no avail. I received a com0uter generated response telling me that i must contact seller. I called them and was told that they dont enterviene with purchasrs. If it's misrepresented. There is nothing they can do. When their website states differently. They do not pay the company untip item is shipped and recieved. They could have contacted the seller and cancel transaction since tge otem has yet to be shipped. They are hel0ing scam companies make revenue off unsuspecting customers that impact ones personal credit if refusrd to pay. They lead you to believe ypu have protection with their company when there is none. They should not be alowed to impact the publics credit wit absolutely zero protection or liability

Company response to consumer: Closed with explanation