BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-08
Company: Opportunity Financial, LLC
State: MO
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:
OPPLOANS has not updated Balance since XX/XX/2021 on XXXX, XXXX, and XXXX Credit reports. 

The balance was confirmed paid in full : Last Payment Date : XXXX XXXX XXXX Last Payment Amount : {$490.00} Balance : {$0.00} Hi XXXX! 

Congratulations! With your most recent payment on XXXX XXXX XXXX, your above referenced account is now considered paid off. 

We sincerely appreciate your business and hope to work with you again in the near future. Should you ever need a new installment loan, please do not hesitate to call ( XXXX ) XXXX or by logging in to your account to apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 XXXX I reported identity theft to my local police department due to inquiries that were not made by me I submit it to all 3 credit bureaus and only XXXX handled my problem and erased fraudulent inquiries XXXX and TransUnion did investigation and did not make any changes.

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 2017-10-26
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged {$100.00} in overdraft fees even though I put money into the account. I asked for {$35.00} to be refunded and that was refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-29
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have two accounts with Wells Fargo, a checking and savings account. Wells Fargo has a program that is supposed to help you save money called Save as You Go. They take random amounts of money every time you spend from checking account and automatically move it to your savings account. It has never been explicitly communicated how they determine how much will be transferred to your savings account. In earlier days, it was typically a dollar now it varies. On XXXX XXXX, XXXX, an overdraft protection was applied which resulted in {$25.00} being pulled as a cash advance from my credit card. My credit card is linked as overdraft for my checking account. The overdraft protection was for a deficit of just a few dollars. This few dollars deficit is because Wells Fargo pulled a random amount to move to Save as You Go which actually goes from my checking account to my savings account. The actual transaction I made had enough in my account to cover it. The next morning on XXXX XXXX, XXXX less than XXXX hours later I transferrred {$2000.00} from my savings account to my checking account. I called Wells Fargo to find out how I can pay back the unnecessary overdraft protection to my credit card since cash advances are at a much higher interest rate. I was told that there is no way to specifically pay off a cash advance. That IF you pay more than the minimum in a given month, TYPICALLY the excess money will go toward your cash advance. I said well this is a result of a shell game that Wells Fargo decided how much additional money they were going to shift from my checking to savings account under this Save as You Go which is supposed to help you save money. Now, you are adding the ability for Wells Fargo to continue to make additional interest for YEARS on a high balance credit card without giving me the consumer the ability to tackle that specific charge. I did deactivate the Save As You Go feature. I 'm also asking that this overdraft protection be reversed. The deficit is my own deficit because it is because it was n't enough to move the amount Wells Fargo wanted to shift. This has NOTHING to do with a retailer or external charges. This is ALL my money where Wells Fargo is taking money out of my left pocket to put in my right pocket and forcing me to pay higher interest for a cash advance. This is very unethical since there is no process to payoff cash advance directly especially because it was used by XXXX XXXX to pay 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
Consumer complaint received 2022-03-30
Company: I.C. System, 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 account is NOT MINES! Why are they putting thing on my credit tht dont belong to me? This is nuts! I dont know what else to do but contact you all. This is fraud!

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 2017-12-27
Company: TD BANK US HOLDING COMPANY
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:
I am the daughter of XXXX XXXX XXXX, an XXXX XXXX XXXX senior that has XXXX and who is unable to XXXX and care for herself. She does not drive and has to be transported by XXXX at all times. 

I currently have an Order for Guardianship of my Mother, who I have been denied access to her health and medical records and visitation as of XX/XX/XXXX. In the court of XXXX. Case #, XXXX XXXX XXXX, Probate court. I have been going to court every month, driving from XXXX, Illinois to go to court because as daughters, we should access to our mother. My sister, XXXX XXXX who has been living with my mother, since I moved away, in XX/XX/XXXX.to XXXX. I never left my mother, but my sister, due to my Mother 's inability to understand manipulated my Mother and constantly fought against me to have a relationship with my Mother. My Mother was denied access to outside of her home, she was held a prisoner in her home and has had multiple XXXX. As of XX/XX/XXXX, XX/XX/XXXX, my Mother became severely ill due to neglect of my sister and then my sister denied access to me on behalf of my mother. 
I had an illegal order of Protection placed on me by my sister, because I wanted to have the Right to Visit with Mom, as her health began to decline. It has declined drastically over the last 6 months. I had to have police there twice today, XX/XX/XXXX, but because the Order, failed to Allow Visitation, because my Sister, XXXX is failling ot open the door, So that My Mother can be Served by the Court. My mother has no Knowledge of whats going on, even though my oldest sister ( XXXX and I ) tried to tell her before, she got into this bad situation.Health, mental declining. 
My sister had a Salesman to come to the house to sign an AutoContract for this XXXX, by my mother, XXXX XXXX XXXX XXXX who has no Knowledge of what she is doing. This is Fraud and abuse of an Elderly Person, My Mother. 
Please help, I want to see my Mother and I want access to her, before, she leaves this Earth. My Mother does not deserve this, and she thought my sister, XXXX was coming to help her, not Harm Her and other Family Members, Her daughters. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
For the past five years, I have attempted to contact the credit reporting agencies regarding incorrect items on my credit file that don't belong to me. It appears to me that someone has my personal information and has been establishing fraudulent credit in my name. I have put several fraud alerts on my file. The most recent is for {$970.00} from XXXX XXXX XXXX XXXX XXXX services opened on XX/XX/XXXX. And there's the XXXX auto finance for {$7700.00} back in XXXX. I have attempted to contact the auto company for years to dispute this charge. I have now filed a police report because this fraud continues and it is exhausting trying to fix my name and financial credit 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 non-monetary relief
Consumer complaint received 2019-02-15
Company: EQUIFAX, INC.
State: GA
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:
XXXX  XXXX XXXX has a a hard credit inquiry in my file for XX/XX/2017. I did not make this inquiry for credit. I adk that the matter is investigated and item removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have filed disputes with XXXX, Transunion and XXXX back in XX/XX/2020. This is now XXXX and I still have yet to received anything from them. I want to fix my credit report and this is holding me up and I don't understand why they haven't reply to me yet.

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 2022-03-30
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX {$250.00} I have call multiple times to the company about this consult was a referral for the XXXX  XXXX XXXX. The XXXX XXXX people are the ones needing to pay. 
The office keeps trying XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Experian Information Solutions Inc.
State: NJ
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:
I did not consent to this negative and inaccurate information to appear on MY credit/consumer report. Please remove!

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 2017-10-29
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have seen on my credit report that I have two collection actions from First Financial Resources, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX ( Ph : ( XXXX ) XXXX ). Both collections were purportedly opened on XXXX. 

I never received any notification from this creditor that I had a debt in collection, and I certainly never received notice that I could dispute the debt. These are both required under the FDCPA. I was also never given a chance to request documents on which they are relying on to prove I owe the debt, required under the Massachusetts Debt Collection Practices Act ( XXXX C.M.R. XXXX ). 

I acknowledge that the underlying debt ( from an ambulance service ) is properly associated with me. However, I understood this to be a matter for my medical insurance, and did not realize that payment would be sought from me. I dispute that I owe this debt at all. 

Furthermore, my credit report indicates that, except for XXXX months during the period XXXX - XXXX, the debt was in collection. However, the detailed information states that there has been " no data '' sent to the credit agencies for any month during this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: NJ
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:
I did not consent to this negative and inaccurate information to appear on MY credit/consumer report. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was contacted on a freelancer site called XXXX saying that I was going to be an editor for the website www.gainsight.com. The person who did this contacted me from the number XXXX on XX/XX/XXXX. He claimed his name was XXXX XXXX. He told me to contact his Hiring Director XXXX XXXX ( XXXX ) via XXXX XXXX   for the interview and job briefing. 
I then contacted her and went through with the interview, was hired, and told I would be paid a rate of $ XXXX/hr. I was then told I would be emailed a check for {$1200.00} and that I was to mobile deposit it and send her a screenshot of the confirmation. This money was supposed to be for my materials to start working : software, work time tracker, etc. I did that. When the money was in my account ( XX/XX/XXXX ) she had me to make a XXXX XXXX account and send {$800.00} which added up to {$870.00} by the end to XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX, TX XXXX. I sent them that ( XX/XX/XXXX ) and apparently the money was picked up by said person. A day later ( XX/XX/XXXX ) I was told to go to XXXX and buy three gift cards in {$100.00} increments for them. They stole my codes and redeemed them. 
After XXXX tells me that they are waiting to ship my items I do not hear from her. Which was fine because she said she would talk to me tomorrow ( XX/XX/XXXX ). Around XXXX on XX/XX/XXXX I receive an email saying that my account was overdrawn by {$1100.00} ... the amount given by a bounced check plus about {$14.00} I had in the account. I went to go to tell XXXX about this but am blocked on XXXX XXXX. I tried calling XXXX XXXX ; he is using a texting service so no call could be made to him. 
I called XXXX XXXX and tried to get my money back but could not. They filed a case for me which was case number:XXXX. I do not have a way to pay overdrafts or the fees and need my money back. 
I called XXXX XXXX and filed a claim with them. I filed a claim with XXXX who put a hold on the gift cards. I filed a claim with my local law enforcement. I filed a claim with my bank ( PNC ). I filed a claim with ic3.gov ( FBI ) The bank is telling me that I am responsible for repaying this in 14 business days. I was the subject of fraud and I am held responsible for the money. I do not have that money and find that I deserve to be repaid this money and not be at fault for something I did not do intentionally. I was not aware that this check would bounce. Therefore, I should not be liable for this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: AL
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:
Please remove the accounts that are wrongfully placed under my name baceuse the bureaus not doin nothin bout em no matter how i try to tell them that those accounts are untruthful

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
My husband died on XX/XX/2020. We had a joint checking account at Capital One. I husband had 2 credit cards with Capital One. The credit cards were closed soon after my husbands death. I paid the the balance off on the agreed amounts to settle the credit cards 2 months ago. Capital One continues to collect {$300.00} at the beginning and end of each month. I have been unsuccessful in stopping this action. I have been told that these allotments were set up through Capital One Bill Pay. I have tried to stop Bill pay on online. I have spoken to several representatives. No one seems to be able to solve this problem. I have even faxed them copies of the checks and a receipt indicating that the loan is satisfied. 
I need reimbursement for the funds that were deducted after the credit cards were paid off. 
Please help. I am grieving the loss of my husband of 47 years and he served our country for 26 years in the XXXX XXXX. 

Please help. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Experian Information Solutions Inc.
State: PA
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:
To Whom it may concern I have sent Multiple Inquiry removal letter on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX via Certified mail to XXXX, Experian and XXXX. The request I submitted included information on 45 inquiries ( Experian ) 49 XXXX XXXX XXXX and 25 ( XXXX XXXX Inquiries that were all 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 investigated and respond the CRA must delete the disputed information from its file. I also disputed accounts that are unverified and inaccurate but are still being reported to my file. I plan on purchasing a home in the near future and I fell the actions that are being taken regarding my disputes are an unfair practice by a credit reporting agency for the credit worthiness of a consumer.

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 2021-02-16
Company: EQUIFAX, INC.
State: CO
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:
I sent in a Letter on XX/XX/21 stating that the information they had reported on my Consuemer Report was innnacurate and false and I wanted proof of Debt and records. The 30 days have passed. This is MY SECOND TIME WRITING to them, I have Verified Mail showing dates with DL and SS and PROOF OF ADDRESS. NO RESPONSE yet

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2017-10-30
Company: EQUIFAX, INC.
State: PA
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:
To Whom it may concern I have sent Multiple Inquiry removal letter on XX/XX/2017 and XX/XX/2017 via Certified mail to Equifax, XXXX and XXXX. The request I submitted included information on 45 inquiries ( XXXX ) 49 ( XXXX ) and 25 ( Equifax ) Inquiries that were all 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 investigated and respond the CRA must delete the disputed information from its file. I also disputed accounts that are unverified and inaccurate but are still being reported to my file. I plan on purchasing a home in the near future and I fell the actions that are being taken regarding my disputes are an unfair practice by a credit reporting agency for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation