BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: WI
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've been battling with XXXX XXXX XXXX  and XXXX XXXX XXXX regarding inaccuracies pertaining to my credit report. They claim they can not remove or correct my report since they sold the account before bankruptcy discharge. However, when speaking to the entity ( XXXX XXXX ) that the account was sold to I was told since they are not the company reporting the account that it is XXXX XXXX XXXX XXXX responsibility to fix the errors or delete the account. 
Furthermore after XXXX XXXX  XXXX made reply to previous complaint they sent me an email stating they would provide me with copy of original contract which contradicts their response to the previous complaint stating they can't fix the credit report because they don't have any information. 
XXXX XXXX XXXX is blatantly violating my consumer rights, making fraudulent statements that contradict each other and violating the FCRA by refusing to delete the account within 45 days of originally disputing their reporting errors.

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 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely on this system because its not 100 % accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: BANK OF THE WEST
State: CA
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:
I ordered a computer from XXXX, using my Bank of the West debit card. They charged a pre-auth charge initially, taking it from my account and then shipping the PC, after which they removed the charge. Then they later tried to charge me again, at which point the machine was already according to XXXX tracking in my city, and my account did not have enough funds so they intercepted the shipment and had it sent back to XXXX saying they would issue a refund that I should see within 3 days. It has been a week now ( over double that ) and they refuse to tell me if a refund is even in order. I have received no machine from XXXX. I have contacted BOTW to file a dispute but they refuse to mail me affidavit forms that I must fill out and mail back and then wait 10 days to be processed in order to see if I am even eligible to get my money back. This is MY {$1200.00}, it was stolen from me and I never received the product. I want it back immediately. I believe Bank of the West has stolen from me, in accomplice with 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 monetary relief
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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:
On XX/XX/2021 I asked XXXX, equifax, and XXXX  to stop reporting my consumer report because I never gave them consent under 15 us 1681b without written consent its identity theft I never gave transunion the authorization to report, furnish any on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I HAVE PAID A JUDGEMENT TO IRS IN XXXX/XXXX/2013 I HAVE THEDOCUMENTHEHEE DOCUMENT IN FRONT OF ME I STILL HAVE THE JUDGEMENT ON ALL THEEETNT ON ALL XXXX CREDIT COMPANIES I HAVE TRIED EVERYTHING TO NO AVYTHING TO NO AVAIL

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: UNITED MORTGAGE CORP
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
United Mortgage Company shared private financial information such as IRS Form XXXX & employer XXXX forms with persons not employed by United Mortgage and through unsecured email servers in violation of the provisions of the GLB Act. When contacted regarding this incident, they defended the practice which indicates it was not an isolated instance.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
It all started around XXXX on Saturday XX/XX/XXXX. I had dinner with a friend earlier in the evening and we had stopped off at a spa on that was open late. The massage ended around XXXX and even though I had charged my card inside the place, I wanted to leave a cash tip, so I went to the ATM outside. I put my card in and the ATM was acting bizarre. It had the XXXX XXXX and was spinning constantly. I tried a few more times and somebody came by to " help me '' with the ATM. I found it bizarre, but he just seemed drunk and helpful. I shrugged him off and told him I had it. 

Unfortunately, no money ever came out and I just left. Somewhere along the way I must have dropped my card because when I awoke the next morning and my bank was negative XXXX. I don't know if the man who " tried to help '' stole my card and saw my pin number, but I do know what the charges were : -a {$10.00} deli charge - {$100.00} to XXXX XXXX two large ATM WithDrawls {$200.00} and {$800.00}, plus a bunch of balance inquiries at XXXX, with one of them in an entirely different borough! 

I called TD and they cancelled my card, but said I would have to wait for the charges to clear to file a claim. The next Tuesday ( XX/XX/XXXX ), I was finally able to file the claim. I never heard back from my bank -- for an entire week. I reached out today and they replied that they couldn't prove that it wasn't me. 

I am stupid, I know for dropping my card, but my bank clearly hasn't looked into the ATM security footage or any other point of an investigation. I have lost all faith in them and I don't want to stay there any longer, but not until they sort this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Byrider Franchising, LLC
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Since XX/XX/2016, the loss of use of this vehicle due to the negligence of XXXX. Byridder 's claims has been greater than 115 days. 
This is completely unacceptable. We have continued to pay the car payments due, yet, have had no use of the car in over three months. 
Although XXXX. Byrider claims no to sell cars with salvaged, restored or rebuilt titles because as they say " Cars with branded titles often 1 ) Wear though tires more quickly, 2 ) have mechanical issues 3 ) have a significantly lower resell value 4 ) May have Safety Issues ''. 
XXXX, states that this XXXX XXXX XXXX would be included in the Buy Back Protection program. We were never offered XXXX or Buy Back Protection. 
On XX/XX/2016, when were in the process of the purchase of this vehicle we were presented with XXXX-XXXX different XXXX reports that did n't belong to the car we were planning to purchase. Unclear why it was so difficult to get us the right one the first time. The XXXX XXXX that we were presented with finally on the XXXX mentioned nothing on the unaddressed recalls on the vehicle and lacked previous records. 
Also, on XX/XX/2016, XXXX. Byridder did not provide a Buyer 's Guide to us on the XXXX XXXX. There was nothing in the vehicle window nor any Buyer 's Guide provided at closing. There was no price posted in the window, as well. 
When we sat down with the General Manger, XXXX, and he presented us with a Preliminary Purchase Worksheet. He had the price of the car listed at {$11000.00} & trade difference listed as {$11000.00}. However, we asked about the {$4000.00}, incentive deduction that they had going at the time. At that time XXXX, wrote in {$15000.00} & wrote in - {$4000.00}. So instead of the selling price of the car to be {$7900.00} it was now {$11000.00}. XXXX stated that he had already deducted the {$4000.00} before bringing us the paperwork. However, the paperwork does not represent the same. The car at the time of purchase had XXXX miles as of today XX/XX/2016, the car XXXX miles. The XXXX XXXX XXXX value of the car in Great condition is {$1500.00}. 
We believe these matters with XXXX. Byridder needs be addressed immediately. 
XXXX and XXXX XXXX are requesting that XXXX. Byridder, XXXX, XXXX XXXX XXXX and all affiliates release XXXX XXXX XXXX & XXXX XXXX XXXX, from any further financial obligations. Clear this car as paid- with only positive reporting to all XXXX credit agencies and refund the monies paid on the vehicle to this of {$2600.00} point due to the loss of use since XX/XX/2016, and at that time we will release the vehicle back to XXXX. Byridder. 
Out of less than 180 days the vehicle has been at XXXX. Byridder in XXXX, greater than 105 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent my first letter to the credit bureaus. I have sent several letter since then. I have not received a response on behalf of my complaint. XXXX XXXX is inaccurately reporting on my credit file. The past due amount is incorrect, the date of last active is incorrect and the date of last payment is incorrect. This is a violation. I have been very patient and now ready to move forward with this complaint.

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 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
the 4 accounts posted as derogatory should be deleted.,

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 2015-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had a Credit card from a company that I defaulted on. XXXX assumed the loan and contacted me. I agreed on an amount I owed and paid the debt. I received a notice of payment and though everything was fine. After looking at my credit monitoring service, I could see that XXXX ( XXXX ) reported correctly that the account was delinquent for the month of XXXX, then paid as agreed. However there was another month that showed up, XXXX. I did not agree with this and did a dispute. 35 days later the dispute comes back as updated and XXXX now list my account in the same closed status but with the delinquency months being in XXXX and XXXX, 7 months after the account was closed. I contacted XXXX and they said everything is fine from what they show and to contact the credit bureaus. I did, and issues a dispute per suggestion of the credit rep and waited another 30 days for the dispute to come back with the same delinquency dates being reported. I contacted XXXX again to ask why they would be reporting the same delinquency dates when my account was resolved in XXXX and have documentation from them on that. I questioned why they would not modify the dates on the new dispute if clearly My account had been closed since the beginning of the year. They said they are n't sure and to email the credit information to their disputes department I have that show the incorrect months being reported, which I did and have not gotten any response. I have been working on this issue since they day they reported the incorrect dates in XXXX. It is now XXXX and they still have n't fixed it. I am worried this has affected my credit profile to those creditors who pull my actual credit history and examine - such as an apartment complex as it makes it appear that my delinquency were much more recent than they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: ALLIANT CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX i received a letter from alliant credit union stating that they voted and that XXXX of them decided to close my account, no reason was given however my account has no wrongdoings, and i didnt receive any infomation as to why my account as closed, and no warnings, only that on XX/XX/XXXX all my accounts will be closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: AL
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:
Understand, I am a consumer operating under the FCRA. I am not working with a credit repair company. Your company ( Equifax ) is in direct violation of the Fair Credit Reporting Act by reporting XXXX XXXX Acct # XXXX for the following reasons : 15 U.S.C 1681 section 602 A. StateXXXX I have the right to privacy in which you also violated. 

In 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. I never gave your company ( Equifax ) written Instructions to allow them or you ( Equifax ) to report on my profile. 

Do not respond with a generic E-Oscar response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I made two separate XXXX fund transfers of {$300.00} each for a total of {$600.00} to a person on XXXX on XX/XX/XXXX. I was charged {$600.00}, but the payee only received {$300.00}. {$300.00} was lost in transit. 

On XX/XX/XXXX I made three XXXX money transfers of {$300.00} each for a total of {$900.00}. I was charged {$900.00} but the payee only received {$300.00}. {$600.00} was lost in transit. 

I have contacted XXXX numerous times requesting a refund without results. The payee has also contacted XXXX numerous times to confirm they only received a total of {$600.00} although I sent and was charged a total of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX  and XXXX are two of the most recent claims filed against Wells Fargo. We also filed with the OCC multiple times except this time, we were told that the CFPB does not handle XXXX XXXX and to immediately filed with the OCC. If you look back at our prior claims, we have not deviated from the initial claim except to separate the claims. If you look at the evidence, we have never implied anything different except where the evidence takes us. We now are opening a 3rd, 4th or 5th claim? The evidence from the first two listed claims and additional evidence we will provide. I AM WRITING THIS IN ALL CAPS SO WELLS FARGO READS THIS LOUD AND CLEAR. XXXX XXXX, IN WHICH YOU VIOLATED YOUR OWN POLICY TOWARDS INVESTIGATIONS AND XXXX. NO ONE EVER REACHED OUT, NO ONE. WE COMPLAINED ABOUT FRAUD ... HERE IS WHERE OUR CLAIM TAKES A DIFFERENT PATH WHEN IT COMES TO WELLS FARGO. We believe Wells Fargo not only broke their FIDUCIARY OATH, but they also DID commit XXXX XXXX, Breach of Fiduciary Duty, Breach of Covenant, Breach of Trust, and finally they violated Punctilio of Honor. Loyalty, honesty and good faith constitutes Punctilio of Honor. They can not deny the fact their company violated these acts 3.4 million times!

When one person does agree to act for another in a fiduciary relationship, the law forbids the fiduciary from acting in any manner adverse or contrary to the interests of the client, or from acting for his own benefit in relation to the subject matter. The client is entitled to the best efforts of the fiduciary on his behalf and the fiduciary must exercise all of the skill, care and diligence at his disposal when acting on behalf of the client. A person acting in a fiduciary capacity is held to a high standard of honesty and full disclosure in regard to the client and must not obtain a personal benefit at the expense of the client. ( b ) Uniform reports and simplification of instructions. Remember 3.5 years. XXXXXXXX XXXX XXXX  out of XXXX, Tx said we should opt out because we will not receive what is due to us.

The Federal banking agencies shall, consistent with the principles of safety and soundness, work jointly ( 1 ) to adopt a single form for the filing of core information required to be submitted under Federal law to all such agencies in the reports and statements referred to in subsection ( a ) of this section ; and ( 2 ) to simplify instructions accompanying such reports and statements and to provide an index to the instructions that is adequate to meet the needs of both filers and users.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Iam writing in reference too the XXXX XXXX Collection Acct on all 3 of my credit reports transunion, XXXX and XXXX under state statue 7rs or over they must be deleted of my credit reports not just showing closed please remove off my credit reports!!! Thanks

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 2021-07-27
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice from .IC. Systems, Inc. stating the XXXX XXXX - XXXX had turned over my account for collection ( # XXXX ). However, I do not have an account with that XXXX so I called them ( XXXX ) and asked for the Fraud Dept. The person I spoke to said that they did not have a Fraud Dept., but should fill out a form on their website. When I went there, one of the first things it asked for was my SSN, Therefore, I left the website and went to the IC System to see what they had. There was a form to fill out for them ( that looked similar to the XXXX XXXX ), asking for my SSN near the beginning. I did not look any further on either form, and decided to contact you instead. They state that I owe {$240.00} ( Principal due : {$190.00} and Collection Charge of {$48.00} ). 

The address of the IC System is : XXXX XXXX XXXX, XXXX XXXX, MN XXXX. 
Their Toll-free # is XXXX. 
Their " Pay Online '' is XXXX Thank you for any help you can provide in stopping them from trying to scam other senior citizens.

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 2015-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I contacted Capital One about an item treported incorrectly on my account last XXXX. They sent me correspndence telling me I contacted them about a XXXX payment. This is n't true, my concern is XXXX payments that they lied about returning. They are still reporting incorrect information. The only account on my credit card is XXXX and there has never been any returned items from XXXX for XXXX. My account is open and active.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently received a copy of my credit report so that I could begin the process of credit rebuilding and I saw this debt collection on my report. Although I am not disputing that I did owe the original creditor money, I did not owe the amount that was being reported by this collection agency. Also I noticed that the date they are reporting this date is off by almost 5 years. They are reporting it as if it is new and it is not. I called the number listed on my credit report and asked for verification of the debt. The person I spoke with refused to acknowledge that asking for verification of the original debt was a legitimate request. I was told that I needed to give them my information, such as social security and date of birth along with a current address and phone number in order for them to verify the debt. When I refused to give that information I was told that I would have my income tax garnished for refusal to pay. At that point I ended the call.

Company response to consumer: Closed with explanation