BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The problem with this account is that it was shared without my consent to the credit bureaus not that there is any inaccuracy. XXXX does not have my written consent to share this account and they are continuing to do so. According to the Fair Credit Reporting Act, XXXX is in violation of my rights, this corporation is reporting transactions ( payment history ) on my consumer report. According to 15 U.S.C 1681 2A paragraph 1 states, any report containing information solely as to transactions or experiences between the consumer and the person making the report is EXCLUDED from the consumer report. 15 USC 1681 also states that I have the right to privacy, with this account being shared to the bureaus this violates my privacy rights.

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 2023-07-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Phone conversation explaining this is a fraudulent account and cancelling it. Again, multiple phone conversations with TDRCS, XXXX XXXX, XXXX XXXX, XX/XX/, fraud acct opened and requesting fraud affidavit to be sent via e-mail and /or US postal service it was never received. XXXX XXXX Further conversations again after receiving letter attempting debt collection. Another fraud account opened. 
Fraud alert on my bank, XXXX, XXXX and security freeze with XXXX Have never received a bill, or credit card statement with purchase information and charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have TD Beyond Checking account which has been opened for several years. In addition to the Checking account I also have two savings account. My checking and one of my savings is in my name alone and my other savings is joint with my husband. XXXX the total dollars on deposit is over {$200000.00}. 

On XX/XX/XXXX, we went to our local TD Bank Branch located at XXXX XXXX XXXX, XXXX XXXX PA to open a safe deposit box. We were told that based on the relationship and checking package that I have with the bank, I would be entitled to XXXX box, first year free and then 50 % off each subsequent year. They did not have a XXXX box available, and therefore had to settle for a XXXX '' XXXX ''. We were told that we would still get 50 % off the subsequent years because the box size was not available. Since that time we have been charged {$90.00} for the box without any discounts applied. About a month ago we visited the branch to access the box and inquiry on the discounts. We were told by the teller who was assisting the only Customer Service Rep that was on duty that day ( happened to be a manager ), that he was going to credit are my account for the discounts that I did not receive. The credit never was applied to my account. I then called their customer service number because it is always hard to speak to someone over the phone at the branch and explained everything to customer serivce. They reiterated that I am entitled to a 50 % discount on my safe deposit box and for me to go back to the branch as they could not handle the refund. I told them that I had already visited the branch and nothing was done and asked them to have the Branch Manager call my husband to discuss. No phone call was ever made to my husband. Today, XX/XX/XXXX I called the local branch and spoke to a woman and explained the situation. She was very snarky and told me that I would have to speak to XXXX, the manager, however he was on vacation until Wednesday XX/XX/XXXX. I told her that XXXX was supposed to call me and again in a snarky demeanor, she he was on vacation. I asked why she could not handle my request to which she replied that I would have to wait to discuss with XXXX the manager, again in a snarky manner. Unfortunately, I did not get her name.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notification from XXXX XXXX XXXX  stating a collection account had been added to my consumer report... I attempted to reach out to the company that listed the erroneous and inaccurate account however was not able to get thru. I wrote company a letter however never received response. 

This is not my account! It is not even my name! I have had to dispute this exact same account twice already and it was removed however appears to be that it is being sold to different collection companies and listed over and over again! 

I demand that this be removed immediately.!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Experian Information Solutions 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:
Dear Experian, Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXX XXXX XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. 
This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ). 

XXXX XXXX XXXX XXXX Please provide the following items : identify the item ( s ) by the name of sources, such as creditor or tax court, and identify the type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute if you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Best Regards, XXXX : XXXX ( XXXX ) Without Prejudice, All Natural Inalienable Rights Reserved

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 2023-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called Bank of America on XX/XX/2023 to dispute ( 3 ) {$40.00} charges I did not recall authorizing. The total amount I was disputing was {$120.00}, however the representative botched the claim and put the claim in for {$720.00}. I received a message about my claim the same day and when I saw the amount was completely wrong, I immediatly called Bank of America, wherein another representative made yet another mistake. Instead of correcting or closing the initial claim which ended in # XXXX, she filed a duplicate claim. The mistakes on this claim were endless. I have spent literally hours on the phone with Bank of America to correct all their mistakes to no avail. I eventually asked them to just close the claim, as I could not take it anymore. I said I will just pay the {$120.00}. I did file a formal complaint with the OCC Case # XXXX. I am legally declared XXXX and my Social Security is set up for Direct Depoisit to my Bank of America Account that I have had for over 5 years. Bank of America closed my account today with no notice to me, when I called they would not tell me why. I asked to speak to a supervisor and they transferred me to a spam number telling me I won a free XXXX gift card. How can they get away with this?

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 2022-12-01
Company: Experian Information Solutions Inc.
State: VA
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:
Ive tried numerous times to rectify this situation with experian. By experian report inaccurate information on my consumer report it has cause me a great deal embarrassment XXXX I have filed a lawsuit for DEFAMATION OF CHARACTER

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Upstart Holdings, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act, Upstart has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy.

My rights were also violated under 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1668b states a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: TX
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 have disputed this item well over 60 days ago and the item remains on my credit report. I have not received any verification or validation from the credit bureaus nor the collection agency of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 Account # 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

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
I noticed I have had several credit reports brand with my information by email that I did not sign up for or did I did not apply with my information. I have also received emails from XXXX and XXXX stating I have ordered products in my name which I have not bought nor do they reflect on my accounts nor did I authorize them. I have reported spoofing emails to XXXX and XXXX and I am trying to get these credit reports off of my personal credit. My identity was stolen last XXXX XXXX weekend in XXXX XXXX  which I also followed a police report with them. I also have a business which my business information was also stolen with my ID social security card and bank card and credit cards which were reported in the police report. I continue to receive suspicious emails and credit reporting that my credit has been ran which I have not done or authorized.

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 2022-07-28
Company: EQUIFAX, INC.
State: OH
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 signed up for XXXX XXXX XXXXl on XXXX after receiving a letter in the mail for a debt consolidation. I was told they could consolidate the debt over {$50000.00}. I signed up for a 2 year program. I completed the program in 2 years paid over {$55000.00} to XXXX XXXX & my creditors, but the accounts were suppose to be a paid for delete and all of the accounts except 2 accounts are still on my credit report. I'll upload the paperwork that I have from XXXX XXXX XXXX. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I sent letters to all three major bureaus the date of the last letter to TransUnion was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am questioning the capacity of the bureau in doing their investigation about this matter. Below are the inaccurate accounts that still reporting in my credit 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 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 non-monetary relief
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: MA
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 Account # XXXX, XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 Account # XXXX, XXXX XXXX XXXX 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

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 2022-09-21
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX AND EXPERIAN HAVE REPORTED A MEDICAL COLLECTION ACCOUNT ON MY CREDIT REPORT WHICH IS HURTING MY GOOD CHARACTER AND REPUTATION. 
THIS ACCOUNT HAS BEEN PAID IN FULL AND PER THE ANNOUNCEMENT ON XX/XX/2022, ALL 3 CREDIT BUREAUS WILL REMOVE ALL PAID MEDICAL COLLECTIONS FROM THE CREDIT REPORTS. 

I HAVE ALSO ATTACHED A SCREENSHOT OF MY BANK STATEMENT OF THE PAYMENT OF " {$480.00} '' FOR THE COLLECTION THIS ACCOUNT IS PAID IN FULL AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. 

( EXPERIAN ) XXXX : XXXX XXXX COLLECTION ACCOUNT # 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 2022-07-01
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2023-11-08
Company: EQUIFAX, INC.
State: GA
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:
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 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: Experian Information Solutions 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 **** Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$1800.00} 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 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 2023-10-18
Company: NRA Group, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The national recovery agency, acting as a debt collector, got in touch with me on XX/XX/XXXX about a debt of {$6700.00}. I followed the rules by reaching out within 30 days of being informed about the debt to dispute it and requested proof of the debt. 

The very next day, they claimed the creditor had sent proof of the debt back in XXXX, which I believe is not true. When I asked for that proof, they told me to go to the post office for it because they didn't have it. Essentially, they're refusing to give me any information and are keeping my account active without showing me any verification of the debt. 

In short, they haven't provided me with the necessary proof, and are keeping my account active even though I've tried to resolve this issue.

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 2022-10-26
Company: EQUIFAX, INC.
State: IL
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 abhor this! I've sent complaints and sent disputes for months, but I've seen no response to my complaints. I'm being hurt and under a lot of stress as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Experian Information Solutions Inc.
State: MD
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 XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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

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