BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-31
Company: EQUIFAX, INC.
State: SC
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 : Account Name XXXX XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number 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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 convergent XXXX XXXX account # XXXX and XXXX Accounts 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 XXXX : 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 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 acXXXX XXXX Account : Account Name XXXX XXXXXXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number 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 2022-09-27
Company: EQUIFAX, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im logging in to my credit monitoring an revealed I collection that I dont have no acknowledgment of an never had or open in my entire life

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My account got hacked On the XXXX of XXXX. I contacted the bank on XXXX of XXXX and they told me a 3 the 10 business days. it's now been then over 22 days I have talked to them on the phone for over 4 hours. I've had to resubmit multiple times my issues. I've been given multiple phone calls that phone calls that this has been resolved. The money is still not back in my account and every time I call them they have to resubmit an issue to the fraud department. The bank is usaa and I need this money to pay bills My electric bill and my water bill are about to be turned off and I'm behind on my mortgage This money will help out due to the fact that I just lost my job and started a new

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions 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:
Hello my name is XXXX XXXX, I recently reviewed my credit report and notices a few unauthorized accounts. I have tried resolving the issue on my own but can't seem to have them removed which is why I am now reaching out to you. These accounts are affecting my approval for a new vehicle, which I'm in desperate need of. Please review promptly and have them removed from my report. 
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 2022-07-31
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/22, I informed the company Experian of reporting inaccurate information on my consumer report. Ive disputed the validity of XXXX XXXX XXXX, requesting proof of my signature to confirm that this assumed debt is mine. Ive requested this information numerous times and have never received any pertinent information. The account is reporting as paid for a collection/ charge off but does not include in the comments that the account is disputed. The payment history on the account is also reporting inaccurate information. On another account reporting by Experian is XXXX XXXX, there is inaccurate/ unverifiable information reporting including the account status ; the date open ; the last reported date ; the comments ; date last active ; date of last payment ; and payment history. I've requested the method used to report these accounts to my Experian report, as the consumer what authorization was given for these accounts to be reported, I want the entire file on these accounts to include my signature on the original contract.

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 2022-07-31
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:
See attached, also pursuant 15 USC 1666 late payments are not to be reported so I am requesting late payments be removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My outstanding balance of {$1000.00} was due on XX/XX/2022. 

On XX/XX/XXXX, at XXXX am, I submitted a payment of {$1000.00}. record shows it was processed on XX/XX/XXXX. 

On XX/XX/XXXX, without my consent the TD credit card, processed another payment of {$980.00}. 

This led to a chain of events cause me financial and XXXX pains. It started with over draft fees, maintenance fees, interests for other credit cards companies, and penalty for nonpayment for other credit cards companies. 

In addition I spent more than 10 hours, on the phone with the bank, TD credit card and other credit cards companies to contain the harm that was done by TD credit card. 

On XX/XX/XXXX, I filed a complained with TD credit card and requested that they cover all the fees and asked them to provide me with a response by mail. I didn't receive any. 

On XX/XX/XXXX, I contacted TD credit card and requested update. I was informed the issue was resolved. I explained that I didn't receive any response and I don't know what they mean by " resolved '', they informed me that the payment of {$980.00} will be transfer to my future balance. 

I explained to them the disaster chain of events they created and requested the following : 1. apology letter 2. {$500.00} compensation for my time and the pain I experienced XXXX. {$100.00} to cover the fees that was created by their action. 

I informed the associate that TD credit card has until XX/XX/XXXX to response. 

The company denied all my requests. I asked them to provide me with the government agency that oversee their company, the person I spoke with requested to consult with her supervisor, then she informed me they don't have any info about any government agency that oversee their company. She said I could contact the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: TX
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 15 U.S.C. 1681. 

XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent. 

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 2022-07-31
Company: Self Financial 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:
# XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open # 12345, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions 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:
See attached documents, also pursuant 15 USC 1666 late payments are not to be reported so I am requesting late payments be removed from my consumer 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 2022-08-23
Company: DISCOVER BANK
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022 I applied for a personal loan on Discover 's website and was approved. In order to secure the loan I had to call in due to a fraud alert on my credit. I called in to verify myself to be told their system is down they can't pull up contact information from the credit bureaus to verify my identity and that it's a known system issue. Completely dumbfounded I asked to speak with a supervisor. The supervisor told me the same thing and said they'll request the hard inquiry being removed from my credit as well to call the credit bureaus to remove the fraud alerts from my credit. She told me to re-apply after the credit bureaus remove the fraud alert within 24 hours and the new application will go through fine since there wouldn't be a fraud alert. I did as I was told called the credit bureaus, removed my fraud alerts, and re-applied only to be told they'll have to deny my application due to it being within 30 days of the other application. This is beyond ridiculous, a waste of customers time, damage to their credit, and deceptive practices. No one in Discover including their systems know how to do their jobs apparently!! Application ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2022 {$630.00} was sent to me. 
XX/XX/2022 I tried to withdraw my funds that was sent to me and was unable to. 
XX/XX/2022 I sent a email to Venmo stating I was unable to withdraw my funds. 
XX/XX/2022 Venmo replied asking me to send a picture of my id. 
XX/XX/2022 I sent Venmo the picture of my ID they requested. 
XX/XX/2022 I sent another email asking why am I not able to withdraw my funds. 
XX/XX/2022 Venmo replied with an email asking for a selfie holding my ID. 
XX/XX/2022 I provided Venmo with a selfie holding my id. 
XX/XX/2022 I sent a email asking why am I not able to withdraw my funds from my Venmo account. 
XX/XX/2022 Venmo asked me to send proof of my bank account. 
XX/XX/2022 I sent my bank statement. 
XX/XX/2022 I sent Venmo an email asking why I am unable to withdraw my funds. 
Venmo never replied. 
XX/XX/2022 I sent Venmo an email asking why I am unable to withdraw my funds. 
No reply As of today XX/XX/2022 I still can not withdraw my funds of {$630.00} from my Venmo Account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: IL
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 US DEPT OF ED/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 explanation
Consumer complaint received 2022-07-31
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: Their investigation did not fix an error on your report

Complaint:
In the dispute case XXXX, the creditor, XXXX Bank, confirmed the historical XX/XX/2022 balance. In the meantime, the creditor, XXXX Bank had also sent the current XX/XX/2022 balance to Equifax. 

Equifax incorrectly overwrote the current XX/XX/2022 balance with the historical XX/XX/2022 balance thus adversely affecting my credit. I am currently applying for a home loan and it is likely that this will result in a significant financial loss due to higher rates. 

When I discussed this Equifax supervisor, badge number XXXX, she refused to assist. This is a violation of my rights under FRCA. legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018, AMEX added a derogatory mark on my credit report per XXXX. Upon further research, this charge-off does not belong to me and should not be reported on my credit report. According to the FCRA, AMEX has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-31
Company: EQUIFAX, INC.
State: IL
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 went to the car dealership they said they would do one company that I was pre approved for and they applied for these accounts without my written consent : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 went to the car dealership they said they would do one company that I was pre approved for and they applied for these accounts without my written consent : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA

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 2022-12-08
Company: Statebridge Company
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I am current on my first mortgage. I received foreclosure on a second loan that was from XXXX? I am on XXXX and have been sick and on medication for over XXXX years and I dont remember this happening. The last payment date was from XXXX. They are now threatening foreclosure for {$12000.00}. The company is Statebridge Company. Loan # XXXX. I have applied to the loss mitigation program and I was denied. I spoke with XXXX the account manager and asked why this is from XXXX? And requested information including the last payment date. I was told that the last payment was from XXXX. I asked why this is so old & he didnt know. He suggested I contact the loss mitigation department and I did. They wrote me back saying I was denied and still owed?? This is past the statute of limitations to collect. I have spoken to the trustees as well and they said to contact Statebridge. I have a foreclosure sale date of XX/XX/XXXX. Why can they bill me for something I dont remember and is past the statute of limitations to collect? Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: FORD MOTOR CREDIT CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair crEdit Reporting act XXXX Accouff # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency car furnish a account without my written instructions.

11.1K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for all purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: BARCLAYS BANK DELAWARE
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:
This pertains to 3 credit cards that I had with Barclays. On XX/XX/22, I was unable to access any of these accounts via my online access. I contacted Barclays ( via phone on XXXX, XXXX ( 3 different calls ), to finally receive confirmation that the accounts had been compromised, a bad actor had succeeded in generating new user ID, password, and physical address to receive new cards. 

These four calls centered around multiple handoffs between Customer Care Specialists, Security / Rapid Detection Team, and Information Technology. At this time, all 3 cards were cancelled, and I only asked to receive a replacement for one of those cards. 

During this period, I continue to be unable to access my remaining account online, and the solution from Barclays was that I use the user ID and password that was generated as part of the fraud ( true story ). On XXXX, looking for a status on the replacement card, which appeared never got issued. I also wrote to the Barclay 's Consumer dispute center, outlying these details, and have not heard from them in the ensuing period ( 2 months+ ) On XXXX, I received correspondence from Barclays XXXX that their fraud investigation was completed and that I was not responsible for the fraudulent activity. 

On XXXX, I began receiving credit reporting alerts from XXXX XXXX, XXXX, and XXXX Identity Theft groups. Barclays had posted a negative report ( late payment ) for a balance on one of the closed cards. XXXX made initial attempts to rectify, and Barclays rejected the claim as invalid. I provided XXXX with the written confirmation from Barclays that this was fraud that I was not responsible for, yet it appears that Barclays tacked on new charges and is assessing late fees, affecting my credit, with those charges having no merit.

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