BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My complaint is with TransUnion about an account on my credit report listed under XXXX XXXX. TransUnion is damaging my character and humiliating. It has been an overly burdensome task to try to have this rectified through the dispute process. I have never owned a XXXX vehicle and never made any late payments. I have worked with XXXX XXXX and sent many letters to TransUnion asking them to provide documentation that they are using to confirm the account is mine, and that i had made said late payments. I request this account be removed from my credit report if they can not provide requested proof/documentation. I have rights under the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section XXXX and Section XXXX regarding their continued willful and negligent noncompliance with my requests. I pray for relief from this overly burdensome mark on my credit. I certify that this said vehicle was never mine and I never made late payments to 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 2016-12-26
Company: U.S. BANCORP
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
An XXXX card owned by XXXX XXXX XXXX has been reporting that my autopayments have been " returned '' and fees have been added to my bill. This has been going on since the XXXX 2016 statements. I have checked with my bank and the bank reports that they have not rejected any requested payments. I have written to the company asking for the fees to be reversed and for them to accept the payments and I await a reply.

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 2022-08-18
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:
FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$15000.00} Status Account charged off. {$10000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Collection account. {$110.00} FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Open. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
ive been fighting with TD Bank so longest time. The last conversation I had with XXXX XXXX I paid my bill through her. She told me that my next payment will be due in XXXX. At my car be ready to use again. Then I go use my credit card and it wont work. I called her and she told me theres nothing I can do to call the number. I keep getting the runaround by TD Bank and Im sick of it. She shouldve said something with something like this would happen. I want my car back and I want to be used now. Again td being thinks he can do whatever they think they could do. They need to be held responsible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I refinanced my XXXX school loans with XXXX XXXX XXXX. Unfortunately they sent the repayment check to the wrong address at Navient. On XXXX/XXXX/XXXX Navient applied the XXXX dollar check to an old XXXX account with about {$6000.00} on it, resulting in a balance of XXXX. Seeing as how the check was sent to the wrong address, I think that the right thing would have been for them to make a quick phone call to double check which account I was depositing XXXX into, but this was not done. 

I alerted all parties within a couple of days, but interest accrued on both accounts until XXXX/XXXX/XXXX. I was forced to make an extra monthly payment on my Navient account of {$1700.00} on XXXX/XXXX/XXXX to keep it from becoming delinquent. They 've refunded {$1200.00}, but there is a discrepancy {$460.00} of interest accrued after they had cashed my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Credit Collection Services has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Dear XXXX XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX/XXXX  XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX/XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX/XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

Very Respectfully, 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 2016-10-27
Company: U.S. BANCORP
State: MN
Product: Credit card
Issue: Other

Complaint:
I have XXXX XXXX Bank Credit Cards, serviced by Elan Financial at XXXX XXXX XXXX XXXX, XXXX ND XXXX. I am current with all my payments. Over the past several month they have done XXXX or XXXX " hard '' credit inquiries with the credit bureaus. When I talk to the credit card service center they tell me there is only XXXX hard inquire done when you initially get your credit card. After that, they do soft inquiries which do not impact your score. This continual hard inquiries sometimes twice a month is driving down my credit score and making it difficult for me to do business. I sent them a letter a month ago with no response at this point. I ca n't seem to get anyones attention. 

When I sent the letter to Elan telling them the problem I attached a copy of my credit report highlighting the enquires. I do not have that with me here at the office today to attach.

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 2015-04-12
Company: U.S. BANCORP
State: CT
Product: Credit card
Issue: APR or interest rate

Complaint:
On XX/XX/XXXX I paid {$3000.00} to my credit card. My payment was applied towards a balance {$4000.00} with 0 % APR that will be expired on XX/XX/XXXX. I nave {$1100.00} balance with 0 % APR that will be expired on XX/XX/XXXX, but nothing from my payment was applied towards this early expired balance with 0 % APR.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: U.S. BANCORP
State: OH
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I overpard my balance on a credit card by {$15.00} and three months later I still can not get a refund. I think I 'm owed the over payment plus interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: CNG FINANCIAL CORPORATION
State: WI
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
Check N Go. Oy! Since my last visit ( years back ) everything has changed. In times past, you would receive cash on-the-spot and you would then leave them a check with the payback amount which they could then cash, thus paying off your loan. Not anymore! Now, instead of leaving them a check, they enter your full account info into their system ( essentially allowing them to access your account directly however and whenever they feel lke it ). 

The loan is also supplied differently. No cash. Instead, they give you a third-party debit card ( which I need like a hole in the head ), supposedly containing the amount of your loan. I took that card to XXXX banks that day and it was declined each time. I went back to the store in an absolute rage, telling them I wanted the contract torn up. Clerk took nearly fifteen minutes fussing around, only to tell me that there was some " defect '' with the card, etc., etc., and that she would issue a new one. Total time to get my cash that day was 3 hours. ( When you go to a bank with a debit card for cash withdrawal at a teller window and the card is declined, you CAN NOT legally return to that same bank the same day to " try again. '' ) But the worst part of all -- and this is why these people should be shut down IMMEDIATELY, is that they have another new shtick : Knowing the FTC is on to them, they are soliciting customers to write brief, positive letters IN-STORE to send to the FTC! Well, based on my PAST experiences, I was glad to do so. But this was asked of me during paper processing, before it was revealed that everything about their business procedure had changed. A bit like a hotel asking you to write a positive review at the check-in desk based on your past visits, and then you go to your room and discover the place has turned into a dump. Too late -- they 've already got your " glowing '' letter. What a disgrace! 

Most despicable people I 've ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I paid the utility company ( sewerage and water board ) months ago in full. IC system Collection Agency says they havent received notification from the sewerage and water board so they are unable to removed the negative off my credit report. I have sent in receipts. I have called the collection agency and the utility company several times no solution. PLEASE HELP

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 2022-08-18
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the rights to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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:
4th time EQUIFAX why are you reporting to XXXX, I asked you 3 times before and you keep dodging the Question NO answer, there is no dispute just the question you refuse to answer, I may need to contact other law enforcment to get you to answer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
They already Restore my account After a Day The Banned It again. So Disappointing. Even I didnt do any Action To my account Yet. So Unfair Type of Platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
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: Investigation took more than 30 days

Complaint:
The purpose of this letter is to prove that it has been well over 30 days since I notified Experian that Information regarding the XXXX account on my credit report consisted of several inaccuracies. On XX/XX/2022 I mailed Experian dispute notice regarding The XXXX account on my credit report. The letter pointed out that XXXX had my date of birth and address incorrect. I am including a United States Postal Service mail receipt and tracking number that shows my notice was delivered more than 30 days ago. According to the tracking number ( XXXX XXXX XXXX XXXX XXXX ) my notice was delivered to Experian on XX/XX/2022 @ XXXX. The United States Postal Service mail receipt and tracking number proves that Experian failed to respond within 30 days as the law requires. I am also resending the content of the original letter below as well. Under the federal law, if the credit reporting agency fails to respond in 30 days, the disputed account must be removed. If Experian fails to do so, they are violating my rights under the Fair Credit Reporting Act. I intend on notifying The FTC and the CFPB of Experians blatant disregard to the federal law under the FRCA.

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 2022-08-18
Company: CCF Intermediate Holdings LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I faxed a letter revoking permission to withdraw payment from my bank account yesterday and they went ahead and made the automatic draft today anyway.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: DE
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX : XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$4000.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$4000.00} TransUnion : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4000.00}

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 2017-05-01
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This complaint is against the company  " Commonwealth Financial ''.      Currently, they are reporting that I owe them a total of {$760.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report. I did not know this was even on my credit until I checked my report recently and I discovered that they were reporting this.     Are n't collection companies supposed to send me a notice of a right to dispute a debt before they place it on my credit?     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, this is the account number from my report : "  XXXX  '' My report indicates that the account has an " open date '' of  XXXX   2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account was hacked for almost XXXX. Chase is saying that It is my fault and my online information was used at the time. They even went so far to say my " fingerprint '' was used. I am XXXX XXXX XXXX XXXX and I can prove that I was on XXXX XXXX  the time and that I have no contact with any of the XXXX purchases that were made. This has taken a toll on my life. I am a XXXX XXXX of XXXX and I am struggling! Please help me. 

I have spoke with multiple representatives and I believe that this is being done through chase representatives or customers! I was received a temporary credit and than they completely wiped my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair credit reporting act XXXX account number XXXX Hunter Warfield  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 2020-04-18
Company: EQUIFAX, INC.
State: NY
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 name on my Equifax credit report is incorrect. 

I submitted a dispute on XX/XX/2020 for the incorrect name and incorrect addresses. The tool to upload documents did not work, so I contacted Equifax via email about this problem, attaching a screenshot of the error and a utility bill as supporting documentation of the incorrect name and addresses. The addresses were removed but the name was not. 

I submitted another dispute on XX/XX/2020. This time the upload tool did work and I included my license. It was not corrected. 

I contacted Equifax by phone on XX/XX/2020 and was told by " XXXX '' ( I think, his accent made him very difficult to understand ) that I needed to provide supporting documentation. I explained that I had included my license. He said to create a new dispute with a cover letter including contact information, image of my license, and image of a document showing my Social Security number. He confirmed that a XXXX was acceptable. I submitted the new dispute on that day. There was a cover letter stating the issue and including my contact information ( address and phone ), a picture of my license, and a copy of a XXXX that showed my XXXX. 

The name on my report was still not corrected. I submitted another dispute of the name on XX/XX/2020, again including an image of my license and XXXX. The name has still not been corrected.

Company response to consumer: Closed with explanation