BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-13
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Aqua Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Hello, In XX/XX/XXXX I entered in to an agreement with Aqua Finance to finance my bathroom remodeling through a 3rd party contractor.

All is well, overall with one exception. They refuse to remove my method of payment on file citing they only process payments between 2-5 PM each business day. Thus the need to keep the entire card on file. 

They say it is to protect in case of something not processing correctly but does not offer any option for one time payments online for its customers to enter. 

I do not want my credit card information saved on file but their limitations in payment processing nor offering any options for customers to process as they choose online, force my info to be available. 

Im seeking resolution here. It does not stop 10 phone calls per day at all hours from happening when a payment is late even a day.

Let me also add that if paid a day late the next months charges are already added the total amount due forcing you to pay the next months bill early or having to call or answer one of their 10 calls a day to process.

Thank you for your time. 

Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have been victim of identity theft. TD Bank has opened multiple accounts under my name and address with different account numbers. I did speak to their fraud department and they were supposed to close all associated with my name. I can not get back in touch with them. New accounts keep coming via the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$0.00} ; 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

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 2020-01-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A checking account was opened XX/XX/XXXX for a Living Testamentary Trust to care for a person during his lifetime. At his death the remainder of the Testamentary Trust was to be returned to the Living Trust. This person died on XX/XX/XXXX. There was a balance of {$15000.00} at the date of death. This money remained in the account until the estate was settled. Upon contacting the bank on XX/XX/XXXX I was told that the account had been closed as it was overdrawn. The funds were slowly depleted fraudulently from XX/XX/XXXX through XX/XX/XXXX until the Bank closed the account for being overdrawn. The fraudulent withdrawals were debit card purchases and ACH charges. The Bank has refunded the {$660.00} of debit card purchases. We were told that there will be a check coming for {$3400.00} from one of the ACH charges, but it hasn't arrived. There are {$4200.00} XXXX charges that were denied. I have contacted XXXX and was told it was over two years old so they denied responsibility and that we should file a police report. The rest of the charges are " pending ''. I have contacted the bank on at least 14 occasions but never talk to the same person. There are three different claim numbers that have been provided to me, and at least four different departments involved. I feel the bank has not met it's fiduciary responsibility in this case and should pay the Trust the amount that was in the account at the date of death.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I applied for new Internet and Cable service today. Surprisingly, I was denied. I was so confused when the representative told me it was because of bad credit. When I had my credit pulled I saw things on my report that l knew nothing about. I was advised to call the police and I did, also contacted the FTC. Please delete all these items as they are not mine. XXXX  XXXX. XXXX/XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX ( Original creditor : IXXXX XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX XXXX Balance : ; XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Inquired on XX/XX/XXXX  ; XXXX XXXX Inquired on XX/XX/XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX  XXXX XXXX Inquired on XX/XX/XXXX   ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX XXXX. 

Account name : 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 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 XXXX XXXX US DEPT ED XXXX XXXX US DEPT ED 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 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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX : {$1500.00}.

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 2023-06-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX 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 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

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 2023-11-13
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
Good evening, I'm writing to you because Experian is breaking the FCRA laws. 
I was a victim of Identity Theft and I have shown them an overwhelming amount of evidence to prove that these accounts were not opened by me. 
They always say something different or give me the run around. 
They deny my block of Reporting Identity Theft accounts because they claim to have verified the information with the furnisher but haven't sent me a detailed description of their procedures which breaks FCRA 611 - 15 U.S.C. 1681i. 
These accounts were the only thing holding me back from obtaining a loan to save myself eviction. 
There are so many violations and it just isn't fair! 
I should get some type of compensation for this because Experian clearly is just getting away with too much. 
Please make sure you deal with them promplty. I have attached my recent letter to Experian asking for proof and even discrediting their investigation and still they deny it. 
Please help me. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Unlimited Progress Corp
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Creditors Discount & Audit, This letter is to dispute an inaccurate account that XXXX XXXX has reported to your agency. The account in question includes a debt that I do not owe. 

I demand that you investigate this account and delete it as it is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a consumer protection law that prohibits debt collectors from using false, deceptive, or misleading representations when collecting a debt. 

I am requesting that you delete this account from my credit report and provide me with a letter stating the account has been deleted. In addition, I am requesting that you provide me with the name and address of the original creditor. 

Please contact me within 30 days of receiving this letter to confirm that you have deleted this account. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2021-05-28
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to Bankruptcy about dismissals or filings.

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Lending Club Corp
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My name is XXXX XXXX I was contacted by a contacted by a debt collector on XX/XX/2022 at XXXX XXXX in the XXXX advising me that I had open a bank account with XXXX XXXX is XXXX XXXX in the amount of {$1700.00} I advised them that I had never opened an account and I've never heard of that company they were unable to provide me with any I contacted XXXX regarding the account the account they advise me to contact use me to contact lending club and XXXX XXXX Who opened the account I am not in need of any money and I do not need to open a bank of account I have an established bank account with a financial institution she advised me to this link to report the fraudulent activity activity my email is XXXX XXXX phone number is XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX I need your help in resolving this issue. I need your assistance with this fraudulent case I have been receiving suspicious emails that someone has also tried to open up a XXXX claim with unemployment unemployment I would appreciate all of your help and feedback thank you very much sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I spoke with Capital One today after being in the Hospital with XXXX  and missing work and paychecks. Spoke with a rep from Capital One and told her that after missing two payments and receiving two late fees and accrued Interest of {$230.00}, I would like to make a settlement. The rep gave me a {$50.00} credit towards the {$230.00} fees and then transferred my call to a different department. When I asked the new rep, ( XXXX ID # XXXX, Im sure is bogus ) to discuss a settlement, she replied that they can not because they just gave me a credit. I said, the credit that was just given 30 seconds ago? She said yes and asked us not to record our conversation. I then asked her to escalate the call and XXXX said she was it. I asked what was the percentage of Interest, and she said the usury charge of 29 percent. If this isnt the worst case of abusing and taking advantage of consumers, I do not know what is. Please provide some assistance with this situation. 
Thank You In advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
This is not a regular complaint, as Ive now filled a complaint with the federal trade commission and the XXXX XXXX XXXX as well. This is becoming extremely unacceptable and I demand these accounts be deleted immediately. Ive sent in multiple letters and even have tried calling an enormous amount of times to the credit reporting agencies. XXXX, XXXX, and Experian refuse to abide by the law and Im demanding something be done about this. It has been a very stressful process, their infringing on my right to privacy and has now cost me thousands of dollars. Ive never given any consumer reporting agency the right or ability to furnish ANY information of mine. Please have them delete these accounts as I will be forced to file for litigation due to the damages and stress caused.

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 2023-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
the reason I was hoping to speak to you was to explain my current delicate and situation between me, the bank of America , & EDD agency... they're at fault of approximately XXXX dollars of mine being stolen all because the bank of America 's system wouldn't update my address change and was sending mail to the wrong address, they kept blaming edd system saying their system goes off what the edd system gives them, but the edd system has made the update to the correct address because I was receiving mail from edd, and because bank of America wouldn't fix this error even though I'd called them at least 40 to 50 times asking them to fix this issue, they said they couldn't and wouldn't and told me to call edd... but because they didn't fix it for over a year, I had no way of viewing bank statements, or my account history, or any way of finding out about the money that had been stolen off of my card that the bank sent our to the wrong address, when they did fix it over a year later, when I did finally find out, I alerted them immediately and filed to get my money back following every step they told me to, and I even had a supervisor of the fraud department tell me not to worry that I would be getting my money back into my account in ten days, but the bank told me after that that person lied and then they began denying my claims ever since, no matter how many times I filed and refiled, I had been hung up on countless times, called names, laughed at and lied to all by bank of America staff and it's all on record with me filling complaints in each person guilty of doing such things,... I only about 6 months ago was told that I needed to go after edd and not bank of America to get my money because there truly at fault for having the faulty system that didn't send out the proper update to bank of america..America... so I began calling andemailing the edd but haven't even got a response or any thing other then a claim number and confirmation that they've received my emails and that's it.. please help me, I've done everything I was told filed police reports, sent them hand written letters explaining the events and what happened, told them who I believed was at fault etc .... I really just need help from someone they won't brush off and be disrespectful to and mistreat for no reason, please help me

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