BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-24
Company: Oliver Adjustment Co.
State: AL
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:
Oliver adjustment company at XXXX XXXX XXXX XXXX, WI XXXX has been sending me collection notice in {$530.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX account # XXXX has also violated my rights. 

They have reported different monthly terms and invalid late payments to my credit report for several months. 

I asked all 3 credit bureaus to investigate and they continued to report improperly with invalid information.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: PA
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:
In accordance with the fair credit reporting XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX  account number XXXX XXXX  account number XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602A 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.

I have filed disputes against these companies several times and each time they come back as verified without validation or corrections. This has caused me many denials and much stress.

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 2022-06-23
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE 2 COMPANYS HAS VIOLATED MY RIGHTS 15 U.S.C SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C SECTION 604 A SECTION 2 .IT ALSO STATE A CONSUMER REPRTING AGENCY CAN NOT FURISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
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:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE 2 COMPANYS HAS VIOLATED MY RIGHTS 15 U.S.C SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C SECTION 604 A SECTION 2 .IT ALSO STATE A CONSUMER REPRTING AGENCY CAN NOT FURISH 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 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX XXXX XXXX ), has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 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 2018-05-25
Company: Child Support Recovery Services, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX and XX/XX/XXXX debt was sold to CSR I was not aware of this and had paid the doctors bill office the money due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
WELLS FARGO CARD SERVICE XX/XX/2015 {$180.00} Account was supposed to be closed and another charge appeared on the statement and Wells Fargo would not let me dispute the purchase and account was close and shows on 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 explanation
Consumer complaint received 2022-08-22
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I bought a XXXX  XXXX in XXXX and financed it through Hyundai Motor Finance. I moved states from XXXX  to XXXX, and requested a state title transfer through their website on XX/XX/XXXX. Their online tracker said " Your request is currently being reviewed. Please allow up to 5 business days. '' and has not moved since, as of today, XX/XX/XXXX. I called customer service on XX/XX/XXXX as the time had passed and I had not heard any updates. They said they would expedite the request and I was sent a secure message on Hyundai Capital America 's secure messaging service with the information I could provide to expedite and that " Upon receipt of the information above, we will send the required documentation to your new state within ten ( 10 ) business days. '' I replied immediately that day with the requested information. The 10th business day would have been XX/XX/XXXX, but they never sent the title to the new DMV. I followed up on XX/XX/XXXX via phone call to Hyundai Motor Finance and they gave me a reference number and told me again that they would expedite the issue and I would have an update within 5 business days, which would have been XX/XX/XXXX. I called again this morning, XX/XX/XXXX, to check the status and was told there are no updates and that the issue has already been escalated, and that there is nothing they can do and I just have to wait. 

In the state of XXXX, you have up to 60 days to transfer your title and registration. We are well beyond halfway to that point and there hasn't been a single update since stating this process, no end in sight. I am able to contact customer service, but it leads to no movement, let alone a resolution. I am concerned that I will be fined or that I will be unable to drive the car I purchased through Hyundai.

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 2022-06-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The debt that XXXX XXXX  for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Simply be is trying to collect is outside of the statute of limitations in North Carolina where I live and where the card was opened is 3 years. My account number for XXXX XXXX  for XXXX XXXX XXXX is XXXX. My account number for XXXX Bank for XXXX is XXXX. My account number for XXXX Bank XXXX XXXX XXXX is XXXX. My account number for XXXX XXXX  for XXXX XXXX XXXXs XXXX. It has been more than XXXX years for all accounts. I have disputed the information with all credit bureaus and company and the company will not remove the information from my credit reports with the Bureaus although it is now a zombie debt. The statute of limitations is 3 years and we are well past that. The company 's neglect to remove this debt is hurtful to my credit profile and ability to live with financial freedom. I would like the account removed immediately from all credit bureaus.

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 2022-09-19
Company: KAHRS LAW OFFICES, PA
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
As of today, XX/XX/2022, after a conversation with a representative for XXXX XXXX XXXX  regarding a seize on my savings and checking account, I can no longer access. I requested information on this account, all the representative said was to call a Kahrs Law Office at XXXX, regarding a debt for XXXX XXXX in XXXX, Kansas. I told the representative I have no debt at that clinic. In order to have access to my bank accounts I must call this specific Kahrs Law Office. I told the XXXX XXXX representative this sounds like a fraudulent activity and Im reporting it. All my income is Social Security XXXX and cant be seized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I registered my gift card of {$200.00} at XXXX and it was a fake site without my knowledge on XX/XX/2022. I then went to XXXX and was able to register my card. On XX/XX/2022 the {$200.00} was taken by that company with fake website. XXXX in XXXX XXXX, NY. I have a screen shot of their information. I called the number on the back of the card which lead me to a representative that took my name, address and email and said I would have to wait XXXX days. I believe that was fake too? Im never registering a gift card again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off the car to the original company that is called Gateway One Lending. I paid if off in XX/XX/2017. We sent a check for {$7800.00} XXXX, XXXX 2017. That check was sent by another financer who had financed the car. After, we got a letter from Gateway on XX/XX/2017 that says that the car is paid in Full and the title was sent and the loan was closed. After 2017 Santander Consumer USA sent me a charge for the car and I sent the proof that I did not owe and Santander still did not want to take the account off my credit report, saying that I was missing payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021, i received three emails from TD Bank regarding the opening of a new checking account. I did not open a TD Bank Checking account.

I then called the customer service number after confirming online the number from the emails matched the actual customer service number. Took forever to navigate because there are no options for those who are victims of fraud. Eventually after jumping through many hoops i was able to get transferred to a representative. The wait time was 15 minutes, which was fine considering fraud was involved. I spoke to a nice young lady who was empathetic to my plight. Sadly, she could do nothing and had to transfer me to the " fraud department ''. She politely informed me that the wait time was 40 minutes. I said that it was fine 40 minutes was not the best number but I was concerned about fraud.

2 hours later, with my total wait time over 3 hrs i finally was connected to the fraud department. They filed an id theft report, told me they would investigate but gave zero time frames. They protect the fraudsters by not giving me what address they used or phone number. 

I want this account closed. I'm not surprised the fraudsters chose TD Bank with all the gaps in there processes. I was told the freeze my reports but how does that stop someone from opening another checking account? The answer : it doesn't. There are no protections for consumers in this line of business. 

As the true consumer, who can prove there identity, its left out of my hands. I can prove who i am, close the account as i requested. There are so many things wrong with the TD Bank process : 1. No indication to consumers how long they will wait on hold. Just endless loops of music with stops that give the consumer hope someone might be connecting.

2. They let fraudsters set up accounts with zero verification. Drivers license? SS Card? none required by my observations 3. Front line customer service reps should be able to shut down accounts and provide the information that i gave to the " fraud department ''. Nothing i gave the fraud department a front line rep couldn't get or take care of. 15 minutes vs 3 hrs. Unnecessary.

4. The consumer is at the will of the bank. Will the account be closed? Why can't i provide proof of who i am? All the pain and suffering i must go through waiting and waiting for an answer. Close the account if i can prove who i am. Can't be that hard if i have to wait 3 hrs to talk to someone. Give me some time back that i gave you?

Again close this account. Now. Not 15 days from now. If it takes more than 24 hrs, i will seek out what legal action i have available to me, at minimum i will sue locally for XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXXnce : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
Yes I've asked for the inaccuracies to be removed from my report I've also uploaded my FTC IDENTITY THEFT REPORT within less than 24 hours the bureau emailed saying the items was verified with out the proof in my declaration with any Information on who they spoke to anything bearing my signature the initial start of the investigation thy are refusing to remove inaccuracies of my credit report that is tarnishing my financial well being and credit worthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The debt that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Simply be is trying to collect is outside of the statute of limitations in North Carolina where I live and where the card was opened is 3 years. My account number for XXXX XXXX  for XXXX XXXX XXXX is XXXX. My account number for XXXX XXXX  for XXXX is XXXX. My account number for XXXX XXXX  XXXX XXXX XXXX is XXXX. My account number for XXXX XXXX  for XXXX XXXX XXXX XXXXXXXX. It has been more than three years for all accounts. I have disputed the information with all credit bureaus and company and the company will not remove the information from my credit reports with the Bureaus although it is now a zombie debt. The statute of limitations is 3 years and we are well past that. The company 's neglect to remove this debt is hurtful to my credit profile and ability to live with financial freedom. I would like the account removed immediately from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The debt that XXXX XXXX  for XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, and XXXX XXXX  is trying to collect is outside of the statute of limitations in North Carolina where I live and where the card was opened is 3 years. My account number for XXXX XXXX  for XXXX XXXX XXXX is XXXX. My account number for XXXX XXXX  for XXXX is XXXX. My account number for XXXX XXXX  for XXXX XXXX is XXXX. My account number for XXXX XXXX  for XXXX XXXX  is XXXX. It has been more than three years for all accounts. I have disputed the information with all credit bureaus and company and the company will not remove the information from my credit reports with the Bureaus although it is now a zombie debt. The statute of limitations is 3 years and we are well past that. The company 's neglect to remove this debt is hurtful to my credit profile and ability to live with financial freedom. I would like the account removed immediately from all credit bureaus.

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 2022-09-19
Company: Netspend Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
I need this agency to find the stimulus cares act payment and get the new payment time ongoing in XXXX For my debit card I am working with

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 2020-04-16
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've sent numerous certified mailed letters asking for debt verification and never received a response. I just received a letter from the company stating I owed {$130.00}. I tried to log onto the website listed on the letter to verify account information and it appears the account has a balance of {$0.00}. I don't understand why they don't remove this and stop reporting it. 

I was able to get this taken care of with XXXX  credit and they successfully removed this from my credit report. I don't understand why XXXX  and XXXX  have failed to do so. It is my understanding that if I mail a certified letter they have only a certain amount of time to reply. If they don't, then the debt is invalid. Again, XXXX  gladly adhered to this and went above and beyond to assist me and correct the issue.

Company response to consumer: Closed with non-monetary relief