BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: CT
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 item listed below has violated my rights. 

INQUIRIES : 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 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 XXXXXXXX 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 instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello I am writing with a severe cmplaint. There are a number of erros and collection files on my report that dpo not belong to me. They need to be removed ASAP. 
** XXXX - {$520.00} ** XXXX XXXX - {$430.00} ( Acct # XXXX & XXXX ) ** XXXX - {$75.00}, {$69.00} and {$59.00} ** XXXX XXXX XXXX - {$95.00} I have previously demanded the CRA remove these entries under my name or show just proof that they belong to me. I have never had an account with any of these companies and am again demanding that these entries be removed asap.

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 2016-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/2016 I had a balance of {$1900.00} and XXXX purchase of {$24.00} made on XX/XX/XXXX. The {$4.00} posted to my credit card account on XX/XX/XXXX the same day as the interest charges for purchases and cash advance charges were applied to the balance. At this point I should have an available credit of {$51.00} but instead I have an available credit of {$14.00} which I believe to be wrong. Further I believe that I have been charged the total interest charge of $ XXXX twice and that leaving an available credit of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I went to Experian to get free credit report and paid XXXX for the credit score. The condition that if you do not cancel in XXXX days you will be charged a monthly fee was not placed front and center and instead said free all over the homepage for using this service. However hidden in the terms and conditions which is a XXXX word XXXX hours read, right in the middle of the terms is where they say that it is free for XXXX days and you will be billed after that if you do not cancel. I feel this is misleading and needs to be placed in the front of a consumers application. Many of the terms and conditions are not even understandable unless you are a lawyer. I called Experian and they said that I can not get a refund. I only wanted a credit report and score for me any my wife and it costs us XXXX in the end for no service we needed.

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 2022-06-03
Company: Experian Information Solutions 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 XXXX XXXX, Account # XXXX and XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX and 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 explanation
Consumer complaint received 2016-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
On XXXX XXXX, 2016 I was informed that TransUnion investigated my complaint regarding a disputed debt that I had no personal knowledge or any information from any source regarding the alleged debt. I contacted TransUnion on XXXX XXXX, 2016 and was given to a representative in XXXX who kept on stating that TransUnion did a proper investigation that substantiated that the debt was valid. I said that no one contacted me and showed me any documents that supported this unknown debt. The representative indicated that TransUnion had no responsibility regarding this matter except for contacting the collector. My understanding of the law is that the credit agencies have a legal responsibility to ensure that no fraudulent information is provided to the public regarding an individual. This activity on behalf of TransUnion and the collection agency, XXXX XXXX XXXX XXXX XXXX MA is against public policy and should be investigated and stopped. 
Sincerely, 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 2016-06-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My report contains information that should be deleted due to settlement with the original creditor, a third party agency refuses to remove their mark even after I proved to them that I paid the debt, according to settlement with XXXX they placed a balance for collection after I settled the debt with them then they reported the wrong open date to keep it on my report, this is a violation of FCRA

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 2015-06-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX and XXXX 2014, I was alerted that my credit report had changes due to multiple fraudulent credit inquiries. I contacted Experian disputing the credit inquiries after filing a police report for identity theft. I have had additional fraudulent inquiries on and since that date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: FL
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 received your response Last ( XX/XX/2022 ) that you Close MY COMPLAINT # XXXX ; XXXX ; XXXX that I sent a on ( XX/XX/2022 ) to Investigate the Erroneous Accounts : XXXX XXXXXXXX Balance : {$4400.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} that are UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days and yet the problem are still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Passport and Social security card to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal allowed an unauthorized transaction from a third party. I notified Paypal that this was an unauthorized transaction and told them I could show them proof of this from the third party 's dashboard - which shows that I'm on a free plan and shouldn't be charged. Instead, Paypal told me they found no evidence of an unauthorized transaction ( without asking for or looking at what I had offered to show ) and told me I had to deal with the merchant. I am absolutely dumbfounded in what they consider " dispute resolution ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-31
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/2019 and XX/XX/2019 ON MY CAPITAL BANK ACCOUNT. PLEASE SEE ATTACHMENT OF THE DISPUTED LATE PAYMENTS

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 2016-01-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
My credit rating is being maligned by XXXX XXXX on behalf of XXXX. I have disputed the issue with XXXX XXXX & all three major credit reporting agencies, XXXX Experian XXXX XXXX whose report numbers I have entered in the field for 'Original dispute case numbers. ' None of these agencies have ceased to continue this negative reporting on my credit records. It is unfair & completely unjust. To better understand my situation I ask that you please read the document I will upload, XXXX Letter of Dispute XXXX/XXXX/15 ' to more fully understand my situation. I will also upload all supporting documents. Thank you for your time & effort, Sincerely, 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 2022-06-03
Company: Experian Information Solutions Inc.
State: FL
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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2016-03-07
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I signed up for a one-off credit report from Experian - a service I wanted to receive. After a few months I noticed that I was being billed monthly for {$19.00}. I did not notice this the first 2 months but then I phoned to query it. I was told that when I signed up for the one-off payment there was some small print that said I was given membership of a monthly credit check service that was initially {$5.00} but would increase to {$19.00} if I did not sign out of it. I do not recall this and would not have signed up for any monthly membership - even at {$5.00} - because it is a service I do not want and do not need. I called Experian to cancel the account and get a refund. They canceled the account but would only refund one month 's payments. I want all the payments refunded as they are for a service I did not want or need - and one that I was tricked into consuming when I was only trying to get a one-off credit check - which was the advert that I saw and to which I responded. I am extremely careful with my financial affairs and would not sign up for a service like this. The advertising is particularly misleading as it relates to buying a one-off report but has set up a monthly service in an underhand way. 

I spoke with a manager for whom I have the name and contact ID which I can supply as well as my Experian account number. 

I would be very grateful if you could pursue this case - and publicize the misleading and unfair way in which Experian has acted.

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 2016-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Trans Union continues to list an account with State of Oregon Child Support in the amount of {$1200.00} on my credit report. That amount has been paid in full and the account stands at XXXX and should be removed.

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 2020-12-31
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My XXXX year old mother continues to be harassed by debt collectors for 2 Navient private loans she settled in full in XXXX. We have called over and over both Navient and XXXX. A complaint was filed and no response. Its almost been a year. We want this to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I bought furniture from XXXX XXXX XXXX XXXX XXXX, NC in XX/XX/2022. XXXX said that I filled all the paperwork out correctly and that they gave TD Bank the correct address to bill me. I never recieved a bill. I got a call from collections telling me that i had not paid. TD Bank will not talk to me becuase the account is in collections. I feel like TD Bank messed this all up, they should be willing to fix it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-06
Company: ALLY FINANCIAL INC.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I set up a car payment with Ally auto for XXXX XXXX, 2015. I then decided to reschedule that payment for XXXX XXXX to wait for my payday. I went back into my account and saw that I still had the option to cancel the payment, so I did. The payment said it was cancelled on my end. I then proceeded to set up a new payment to come out on my payday. On XXXX XXXX, ally auto deducted {$410.00} from my bank account, and then deducted another {$410.00} from my bank account on XXXX XXXX. I called both the bank and the auto finance company to explain the situation, that I was double charged, and set up a dispute. My dispute was denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Transunion fail to delete a negative account older than 7 years. Moreover, the account has been sold and the statement from TransUnion determines the account is been verify but has been sold according to the original source.

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 received your response Last ( XX/XX/2022 ) that you Close MY COMPLAINT # XXXX ; XXXX ; XXXX that I sent a on ( XX/XX/2022 ) to Investigate the Erroneous Accounts : XXXX XXXX XXXXalance : {$4400.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} that are UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days and yet the problem are still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Passport and Social security card to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.

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 2020-12-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ARS ACCOUNT RESOLUTION has two accounts open for medical bill ( office visit to urgent care ) The office visit was paid in cash but never noted in their system. There was an issue with an employee at that office & believe this was done in retaliation. My insurance paid the urgent care its cost but the urgent care still charge me a bill without my knowledge then sent it to collections without ever contacting me. The collection agency was originally -- XXXX XXXX XXXX XXXX then sold it to ARS ACCOUNT RESOLUTION -- - who have an account open without my knowledge of a debt that isn't a debt and was paid for already! i have proof from my insurance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/2019 and XX/XX/2019 ON MY XXXX XXXX  ACCOUNT. PLEASE SEE ATTACHMENT OF THE DISPUTED LATE PAYMENTS

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 2016-04-15
Company: ALLY FINANCIAL INC.
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have requested a payoff letter with my name and the VIN number of the car from Ally on Monday ( XXXX/XXXX/2016 ). I was told that it would take XXXX. Today is Friday ( XXXX/XXXX/2016 ) and I have n't received anything by either fax or mail. Everytime that I need something from Ally it always take 1-2 months. This is just the worst bank EVER. Never doing business with this bank again.

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 2016-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Sale of account

Complaint:
I received an email message late last night alerting me that my new credit card was being sent. I called XXXX for another reason ( to confirm that a call from them was legit ) and they advised me of the new credit car being sent - and the initial reason provided by a customer service person was that the benefits had changed. When I pressed the issue and asked for a supervisor ( XXXX, extension XXXX ) I was advised that the new card is a switch from an AMEX card to a XXXX card because they have switched programs. They said they sent me a communication on XX/XX/XXXX ( which I never received ) and when I asked for a copy of it they said they were unable to send it to me. I pressed the issue and they just said they were unable to send it to me. It seems that if they are claiming they sent something they should be able to provide me a copy. I checked their online messages ( which I rarely check, so could not have deleted ) and find there is only the message I received last night. I understand them changing programs, but what I do n't understand is not giving consumers adequate notice so other arrangements could be made if it is not what I wanted.

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