BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian has not received written instruction to furnish a consumer report on my behalf in doing so Experian is actively committing identity theft

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 2022-11-18
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: Their investigation did not fix an error on your report

Complaint:
I have been going back and forth with XXXX about a fraudulent account opened in my name in XX/XX/2015 which they have insisted is mine however have not provided any evidence supporting their information which I have asked for several times and they are legally required to provide to me by law. I have also provided TRANSUNION with a copy of this information certified mail and more than 30 days have passed without a response. I will be seeking compensation if the matter is not appropriately handled after this complaint has been filed. The debt has not been validated with the appropriate information and under LEGAL JURISDICTION they are violating my rights under the consumer protection act afforded by the FDCPA and can now be subject to a lawsuit with compensation of {$1000.00}. Beyond that I have provided them with both legal and federal documents negating the account is mine, which included an FTC Report which they are once again by law required to honor and a police report. I recently received a response from XXXX XXXX XXXX stating and I " quote '' they have sent this said account off to not XXXX but XXXX to be exact separate third party collection agencies which not only have they not provided me the name 's of but I was never contacted by to resolve since neither companies have my reporting address nor any other accurate information. I am also not understanding how this account was opened when you have to be military affiliated which neither I nor my family are. Once again they are violating yet another credit consumer protection law because per my current credit report it is reporting a past due balance of {$1000.00} in a charge-off status. The balance being reported is inaccurate since the debt has been picked up by several other agencies thus them receiving a tax break on the said owed amount. Per law the " past due '' balance should be showing as {$0.00} and since it is not and is inaccurately reporting per 15 U.S.C Sec 1681 ( a ) I now expect the account to be removed after final investigation. If it is not I will be suing. Please understand I am not providing you an option of removal of this account. It is being demanded and expected within the allotted 30 day time frame. 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 non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Three Bank of America Business Bank Accounts opened fraudulently in our Company name, XXXX XXXX, using our correct Tax ID. We attempted to have the accounts closed by reporting this to the Bank of America Fraud line, and each time the Representative terminated the call after long waits. Today, we visited a local Branch to have the fraudulent accounts closed, and after waiting several minutes in long lines, left again with no action taken. 
This is an urgent priority for our small business- but we can not get Bank of America to resolve this expeditiously.

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 2023-05-14
Company: SANTANDER HOLDINGS USA, 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, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account been permanently restricted for over 6 months with the Current Statement Balance : {$14000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Bank of America Denied my consumer transaction, I processed a consumer transaction in which i was denied, I was supplied with any information regarding the denial of my credit. I have tried to resolve this issue but unfortunately i was hit with a generic automated system that shared no information at all.

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 2023-04-06
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
opened checking account with US bank with a {$500.00} bonus. I spoke to them on the phone after opening account to check wha ti had to do and they explained it to me. After completing the requirements they then told me i didnt origionally quallify for it.

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my 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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I opened A new TD beyond checking account in XX/XX/XXXX on-line. I Received a post card in mail to apply.I had a direct deposit XX/XX/XXXX XXXX and XX/XX/XXXX from my employer into my account ( Met the requirements to receive {$300.00} bonus ). NO bonus posted!!! I have tried to call theTD bank at least 3 times : the last call was on these dates XX/XX/XXXX. I spoke to numerous different representatives/ supervisors regarding this concern, i WAS TOLD TO WAIT max UNTILL 140 days from the date I open the account to receive a bonus since all the requirement to meet the bonus was met. the last representative doesn't know why the bonus was not issued. 
Below is the terms *Offer valid XX/XX/XXXX thru XX/XX/XXXX and is available only to the person addressed in this mailer. {$300.00} bonus offer available to eligible new personal checking customers when opening a TD beyond checking account with cumulative ****direct deposit funds of {$2500.00} or more into the new checking account within ****60 days of account opening. once he criterion is met, the bonus will be credited to new personal checking no later than ****140 days from account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXXXXXX Balance : {$2700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-04-05
Company: Tidalwave Finance Corporation
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: Account information incorrect

Complaint:
XX/XX/2017 I had voluntarily surrendered a vehicle with Tidalwave finance. The loan was for XXXX XXXX. They sold this vehicle for XXXX XXXX. They never corrected the balance on my credit report and are reporting I owe more than XXXX XXXX on the deficiency now. I tried to contact their customer service but had no luck in understanding the balance. I was never sent a bill after the repossession nor have they tried to contact me. They are reporting every month and every month the balance increases. I have tried to dispute with experian but they deny to even investigate this issue for me.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-03
Company: WELLS FARGO & COMPANY
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: Reporting company used your report improperly

Complaint:
XXXX Credit Bureau has been preventing me from filing online disputes for the past six months. I will go to this website, XXXX XXXX XXXX, and log in, just to not be able to file a dispute online and attach supporting documents to each collection account that doesn't belong to me. When I call their dispute department at XXXX, the customer service agents will not listen to me, nor type in the reasoning for my disputes that I'm forced to make over the phone, thus providing inaccurate information on my XXXX Credit file. My rights have been stripped from me from properly filing my own disputes correctly and accurately. And because of that, I have to call their dispute department, and the dispute is NEVER filed correctly sometime the customer service agent will lie and won't file the dispute that I requested at all. This has been going on for over six months and I want the XXXX Credit Bureau to be held accountable for their actions in denying me my rights to file an online dispute, purposely filing inaccurate information, and failing to file my requested disputes over the phone, per the Fair Credit Bureau Act. Please see the supporting attached documents showing that I have not been given access to file a dispute online, and I've called in several times complaining about my phone disputes not being filed correctly and some weren't filed at all but lied to about it. File # 's XXXX, XXXX, just to name a few.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The account in question, XXXX is showing incorrect information on my report on XXXX different credit reporting agencies. This information is negatively affecting my credit file due to the inaccurate information stated by the company.

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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-03-28
Company: Cawley & Bergmann, LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt collector has unfair collection practices. Every month they send wrong balance due. Made a final payment, on a settlement with Company. They continue to send notices for more dollar amount. I a senior and have incurred medical issues. Please help me. Thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've notice late payments on my consumer report. to my knowledge ive made every payment on time. ive disputed these accounts numerous of times. 
they violated 15 u.s. code 6802 which states : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provide to the consumer a notice that complies with section 6803 of this title.

15 u.s. code 1666 correction billing errors : if a creditor within sixty days after having transmitted to an obligor a statement of the obligor 's account in connection with an extension of consumer credit receives at the address disclosed under section 1637b 10 of this title a written notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with disclosure required under section 1637 ( a ) ( 7 ) 15 u.s. code 1681b permissible purpose 15 u.s. code 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-03-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX, I purchased an item with my TD bank debit card for {$130.00} at the Nordstrom Rack located at XXXX XXXX XXXX, on XXXX, I returned the purchased item to my TD Bank debit card for {$130.00} to the Nordstrom Rack located at XXXX XXXX XXXX. On XXXX, I noticed a debit transaction on my Bank account for {$130.00} with an explanation of ( XXXX Nordstrom XXXX XXXX XXXX ). I called TD Bank customer service, I was advised by TD Bank associate that it was a debit transaction done by TD Bank due to a dispute from Nordstrom of XXXX XXXX XXXX. I was never advised prior to TD Bank debit to my account of Nordstrom disputing the previous credit of the return item. I was charged by Nordstrom the purchase item, therefore when the item was returned I received a credit. There is nothing to dispute. When I raise my complaint on XXXX, as per my request a TD Bank customer service XXXX issue a provisional credit to my account. It is common knowledge that TD Bank purchase Nordstrom credit card portfolio, CONFLICT OF INTEREST. TD Bank has no legal right to debit TD Bank customers checking accounts on behalf of Nordstrom for a transaction done with a TD Bank debit card. My money is not safe at TD Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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