BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
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:
In accordance with the fair credit reporting act XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX account 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 2016-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
As of our XXXX 2016 report There is a reported address associated with our credit that is not ours. 
A phone number not associated with us. 
A credit card never authorized by us has a balance and payment history. 
Several other cards we are not sure about use. 
My wife 's tax return was returned in her divorced last name even though we have been married 32 years and dealt with the irs about new married name. Wonder about safety of SS number XXXX XXXX accounts with different account numbers yet carry same balance.

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 2016-06-28
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
On XXXX XXXX I applied for and was approved for an XXXX Platinum card with a XXXX Membership Reward point bonus after spending {$3000.00} within the first 90 days of card membership. 

On XXXX XXXX I called XXXX to confirm that I was eligible for the offer - the rep confirmed my eligibility. To make totally certain this was accurate, I then called back two more times and spoke with different reps who also confirmed eligibility. 

Based on these approvals, I then spent {$3000.00} on the credit card. But for the confirmation made my XXXX reps, I would not have spent this money and would not have singed up for the credit card at all. 

I have contacted XXXX who is now ( after I spent the {$3000.00} ) saying that I 'm not eligible for the point bonus. They first conducted an investigation in which they claimed that I never called to verify eligibility. After providing proof that I called, they then changed their story to say that they were able to find the calls and confirmed that the representative did confirm my eligibility. However, even though they admit their mistake, they are still not willing to honor the point bonus. I have defrauded out of {$3000.00} and XXXX membership rewards points. 

Please see the attached documents which highlight my application approval, my phone call records, letters from XXXX denying I called, and their eventual admission that I did call, but they are unwilling to make good on the word of their reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: WI
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 went to a dealership to apply for a car they advised they would only run my credit for XXXX XXXX but they ran my credit through numerous companies. these are the inquries 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: CITIBANK, N.A.
State: MA
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 simply asked for a credit increase but first I wanted to pay off some debt and the ran my credit to soon

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 2021-11-16
Company: ALLY FINANCIAL 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: Information belongs to someone else

Complaint:
There are some negative item that are hurting my credit scores, I want them to be removed as soon as possible from the three credit reporting agencies. 

1. ALLY FINCL Account Number : XXXX 2. XXXX Date of inquiry : XX/XX/XXXX 3. XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX Date of inquiry : XX/XX/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 2021-11-16
Company: Bread Financial 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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TransUnion reported an open balance of {$160.00} from XXXX 2013. It has been paid over a year ago but it still shows as open.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midland funding is reporting a collection for an account that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time. This single account violates several laws including but not limited to FCRA XXXX U.S.C. 1681c, US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX, and FDCPA Section 806. The account was for XXXX XXXX XXXX XXXX / XXXX. I paid XXXX off many years ago. I contacted Midland and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XX/XX/XXXX and that it was last active XX/XX/XXXX. That is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
An XXXX from argon agency with extension XXXX called me for the first time some time in XX/XX/2016, he brought a bill to my notice for the first time he very rude and spoke in a very deriding manner as though he felt he was communicating with an irresponsible person I felt very belittled after the call but I still went ahead to set up a payment plan that I adhered to, he called me sometimes twice a month and when I let him know that I made a payment already for the month he had a disparage tone again. I went ahead to explain that I would like for us to set up a particular time of the month when he calls me and he called me again earlier than agreed I missed the call, I retuned it when I saw it as always living him a message saying when I expected the call as earlier agreed the XX/XX/XXXX of every month and I get Notification that he went ahead to reput it on my credit even when I have never missed a payment or made a late payment ..

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 2016-02-07
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
TD Bank has charged an overdraft fee for a situation in which we make a check deposit minus " cash ''. If there is not a balance in your existing checking account ( pre-deposit ) to cover the " cash '' portion that you are taking from your deposit, they charge an overdraft fee. 
I understand that technically you are taking money off of a check that has not yet cleared so essentially you are taking withdrawal from you checking account but that is NOT explained to you at the time you are standing with the teller making the transaction. You do n't find out until you see the overdraft fee and call the bank to understand where its coming from. 
The complaint is regarding a deceptive practice. Its fine if the policy is as it is but it should be the teller 's responsibility to tell the customer that they do n't have the money in their checking account to cover the withdrawal so they can either choose to take it against an alternative account that has the funds or they can take a lesser amount so they do not incur the fee, otherwise they will incur the fee. 
TD Bank does not do that at the point of the transaction which is just a way for them to collect a fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-01
Company: BUDGET CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
BCS got my check XXXX/XXXX/14 and cashed it XXXX/XXXX/14. They continue to say they did not get this account until XXXX/XXXX/14 which is completely untrue! how would I have their info in XXXX to mail them the check! They are Fraudulently saying that the bill was not paid. I have the cancelled check! This is FRAUD! They are XXXX billing me and threatening my credit!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Sent 2 letters asking all credit bureaus to verify collection accounts on my credit report. Is been over 85 days. Sent certified letter to them asking to verify a medical collection that I dont think is mine and a XXXX   collection that is definitely reporting the wrong info.

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 2016-08-23
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Barclay Bank XXXX Delaware allowed a fraudulent credit card to be opened in my name, after notifying them, providing a Police report regarding identity theft, documents showing that the account was not my account and opened without my knowledge, the representative was rude and stated that it was in her opinion that my wife Opened the account and that I needed to provide a police report naming her as the suspect for them to address my concerns, and that despite the numerous items that showed that the account was not mine, they continue to leave the account on my credit, it a damaged my credit score and continues to do so.

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 2021-11-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/ at XXXX PM. I spoke to XXXX XXXX from XXXX XXXX NMLS # XXXX. I was inquiring about a refinance on a property in XXXX, Arizona. I explained that I did not want this to affect my FICA score so I did not want a Hard Inquiry. He responded that he understood, we had a pleasant conversation I explained I was looking for some options with high equity and low income. He said he was winding up the night and would continue this tomorrow on Friday XX/XX/XXXX he said he would call me first thing at XXXX. I never heard from Mr . XXXX again. Instead, I received an email on Saturday XX/XX/XXXX that stated they could sweeten the deal and I've been speaking to Mr . XXXX but haven't applied for a loan yet ( attached ). During this period, I received a warning that i had a hard inquiry and my FICA score has decreased significantly. On Monday XX/XX/XXXX  I received a text which was very unprofessional stating he was XXXX from XXXX XXXX XXXX team. At this point with my FICA effected and now this text I was concerned my Social Security and other private information was being used illegally. I responded to XXXX that I wanted he last name, telephone number and extension. I received a text on Tuesday at XXXX XXXX with the information I requested. ( attached ). I also received an email from him ( XXXX XXXX XXXX XXXX NMLS # XXXX at XXXX stating my loan was reviewed and unable to offer funding. ( attached ) ALL THIS AND I NEVER AUTHORIZED. I was finally able to talk to XXXX via telephone and explained my situation and understood he is handling this currently, he offered no explanation what was happening with Mr . XXXX and why this all started without my authorization, in fact two days after I spoke to Mr . XXXX I received an email stating no loan has been started, then three days later I received a letter from him stating loan application was not able to fund do to non activity. He had no explanation why I received this letter and told me that the letter was automatically generated because of inactive account. All this happened from Thursday XXXX XXXXevening to Tuesday XX/XX/XXXX early morning.

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 2021-11-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX I consolidated my XXXX loans because I applied for the PSLF ( Public Student Loan Forgiveness Program ). I worked at XXXX from XXXX-XXXX which is a XXXX XXXX public service company. I qualified for this program so my consolidated loans were transferred to XXXX XXXX XXXX. Under this repayment plan you have to make 120 qualifying payments on a RPAYE Plan and never late. After 120 payments your loan balance is forgiven. I had 20 qualifying payments while being employed at XXXX ( as stated in a letter I received from XXXX XXXX XXXX on XX/XX/XXXX ). Last Friday, XX/XX/XXXX I received a letter in the mail 2.5 years after qualifying for the PSLF Program, that this employer did not qualify for the PSLF program. XXXX XXXX XXXX took away my 20 qualifying payments and it is currently at XXXX. They are stating this is because their compliance department determined that XXXX is not a qualifying company. The is 100 % FALSE and they refuse to work with me to resubmit an investigation. I have documentation to support that XXXX is a XXXX XXXX XXXX public service XXXX company and does in fact qualify for the PSLF Program. You can clearly find on their corporate website XXXX that this is a public service company!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Paypal Holdings, Inc
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Paypal closed my accounts and they 're refusing to send me a check with my leftover money in both of my accounts. I have about $ 1000+ in there and they 're depriving me of getting my money back after they took action and closed my accounts on their own accord.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional  interest, charges, or other fees placed on this account. 

I have attached a police report and an FTC report for 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 2019-12-11
Company: Early Warning Services, LLC
State: GA
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:
XXXX failed to investigate a concern for ID theft. They respond to another CFPD complaint and said the information from XXXX XXXX XXXX was accurate however I have attached the letter from them Stating the information was not main and that it has been removed from XXXX. I am also disputing the inquires made without my knowledge of someone trying to open an account. They is at least 50!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: WSFS FINANCIAL CORPORATION
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I was recently a victim of Identity Theft with several fraudulent accounts opened in my name. Shortly after putting a fraud alert on my credit report and working to close the fraudulent accounts, I received a " welcome '' brochure from WSFS bank with no other information. I called them immediately to make sure that their weren't additional accounts opened at WSFS. Customer service assured me on XXXX occasions that while there was a profile created, there was no account opened. They don't seem to have any fraud or ID theft department and were rather uninformed about banking fraud. 

2 months pass and I receive delinquent loan notices from WSFS 3rd party loan servicing partner, XXXX. I did not apply for nor accept the terms of this loan, I didn't even know about it. Turns out WSFSXXXX did issue a loan to some fraudster and WSFS did nothing to protect me or notify me. In fact, the 2 entities - WSFS and XXXX don't seem to communicate at all, particularly not about banking fraud and consumer identity protections. When I inquired, WSFS incorrectly told me there was only a profile created, no account in my name/SSN and yet they issued a large loan through XXXX. If they had better procedures and controls in place, I would have been notified sooner and perhaps they could have saved me yet another incidence of my identity being used to fraudulently open accounts/loans. Once I did learn about the loan, WSFS was completely unable to assist me. No consumer protection whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: OH
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 have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of these debts and request verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) When the original date of default and collection activity began 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account.

I have attached a police report and an FTC report for identity theft.

Company response to consumer: Closed with explanation