BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
Company: TD BANK US HOLDING COMPANY
State: IL
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've disputed this Target account over the past 2 years and nothing has been done to correct the issue. XXXX finally removed the account and then reinsert the account without my knowledge or notification. Target is required to provide validation to me and XXXX before an account can be reinstated and Target did not. XXXX is supposed to notify me within 5 days according to the FCRA and XXXX failed to do so. XXXX must permanently remove this account and not allow it to be reinstated. The CFPB must report Target to the FTC and hold XXXX responsible and pay me for the multiple violations. I can show proof that XXXX has allowed at least 3 violations per month for at the minimum of 2 years. The CFPB can look at the record of my complaints and documentation provided to justify my monetary judgment and XXXX refusal to pay. I was willing to settle and XXXX refusal because of the impoper investigation. I'm willing to settle for {$24000.00} which is {$2000.00} per month for a year. I could get more plus lawyer fees because the FCRA has laws and guidelines that must be followed and XXXX has violated each and every one. XXXX must be held accountable and I'm entitled to payment within 14 days and the removal of this account. Target has violated rules of the FCRA as they haven't validated this account or provided the original contract and yet the account remains. Target has continued to reage and report inaccurate information and XXXX is guilty of allowing them to continue to hurt my credit. I'll be able to show because of XXXX allowing Target to reinsert the account, reage, and report inaccurate information I was denied for a mortgage. XXXX must pay for the violations it has allowed by Target and any refusal or no payment in 14 days justifies a lawsuit and attorney fees. I've been patient and tried to settle this by filing the necessary complaints and I've yet to get my credit report corrected and the monetary money I'm owed for violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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:
XX/XX/2022, {$1000.00}, XXXX XXXX XXXX XXXX to remove the item, all the information is incorrect, they stated that the account was sold to another company. Also, dispute this item and nothing happen. 

In accordance with the fair credit reporting act, XXXX XXXX service ACCOUNT # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604A 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 2023-08-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
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 lost my job as a nurse due to downsizing. I contacted my bank USAA which I had a personal loan through. I was guaranteed that if I make my late payment on XX/XX/XXXX or before I will not be reported for missed payment. I made my payment over {$1000.00} on XX/XX/XXXX and they still reported me. Nothing but greedy liars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I denied the XXXX  and XXXX  services but was provided anyway without any explanation. I was also told I would not need to pay anything but the business that called the XXXX  would take care of it because it was their responsibility to do so. 
Also, I have got the hospital 's approval for the charge taken care of under their financial assistance program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
The original loan was in my late husbands name but after he passed away I being his surviving spouse continued to pay on the loan and a death certificate was provided. I decided to purchase a car in my name only and turned the car over to Ally Bank. They sold the car in XX/XX/XXXX and issued a check to the estate of XXXX XXXX. I contacted them to inform them there was no estate and tried to get them to reissue in my name and they refused. I hired an attorney and finally obtained a certified copy of an order signed by the judge to have check reissued in my name. Again they refused and reissued check to my late husband. It is filed under their agreement number XXXX. The court order filed XXXX in XXXX XXXX Florida Court Probate Division signed by the judge on 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 2023-06-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent off a letter on XXXX XXXX XXXXXXXX to remove personal information that I didn't authorize on my credit report. According to the fair credit reporting act 12USC 1681. I have the right to privacy also according to 15 USC 6802. No financial institution is not supposed to share my information with third-party people. 

these are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: CT
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:
XXXX lt has a derogatory account on my credit report. the information is wrong because I paid the amount that I owed in full in XXXX of XXXX the account number is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$950.00} ; XXXX XXXXXX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


Remove these items ASAP : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Consider this as my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 2023-04-27
Company: Experian Information Solutions Inc.
State: LA
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 received a copy of my credit report and found the following item ( s ) to be in error : 1. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX Account XXXX : XXXX this is violation of my rights. please delete from my credit report 2. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report date opened is not accurate high credit and credit limit is not accurate across all credit bureau date last reported is inconsistent XXXX XXXX Account Number : XXXX this Is violation of my rights. please delete from my credit report 3. 15 U.S. code 1681e ( b ) compliance procedures Accuracy of report date opened is not accurate high credit and credit limit is not matching across all credit bureau XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

4. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv 06 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. 5 U.S code 1681i paragraph 5 any information disputed by a consumer found to to be inaccurate or incomplete or can not be verified shall promptly delete from my credit profile or modify that item of information as appropriate based on the results of reinv XXXX Account XXXX : XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that the credit bureau will recheck these items with the creditor who has posted them.

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 2022-12-04
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a XXXX XXXX XXXX  ( Barclays ). Because I was offered balance transfers for a small fee, I transferred about XXXX as the card advertised one year no interest, giving me a year to pay this off, which I had done with another card. I opened the card in XXXX, transferred the balances in XXXX, and they promptly asked me for my tax returns ( to verify my income ). I have had a card issuer ask me for this to justify a limit of {$10000.00} on another card, so I didn't think this unusual. So, I sent the requested documents, and in XXXX they froze and closed my account, the only reason given was that my tax returns were not adequate proof of my identity? They did not ask for any other proof than the tax returns to verify my income. When they closed my account they ended my XXXX year 0 % interest, so I am having issues reducing the balance due to the outrageous increase in interest rate! Another huge issue is that I had opted for 'paperless " statements, but I have never once received a statement paperless or otherwise, so I have no documentation, as there is no possibility of printing a statement from their website. I have to log onto the website to even know what the payment due is, and look at transactions to see the interest. I didn't receive an 'adverse action ' notification of any of the changes, or an explanation, of why my goverment tax return was not sufficient proof of my identity?? Or of a termination of my 0 % interest 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 2022-12-03
Company: U.S. BANCORP
State: TX
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 am writing to you because US Bank is violating the FCRA. I filed a dispute regarding an inaccurate Date of Last Active. They were reporting it as XX/XX/, this account was paid off and they are also reporting a balance. This is another inaccuracy. According to the FCRA furnisher must pay {$1000.00} per violation of account is not corrected. In this case it has not been corrected so it must be deleted from my credit file. 

I have records of the disputes and was advised by my lawyer that I am able to file a law suit with the evidence I have if this account is not deleted. Please investigate this matter. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: ProCollect, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a collection company on XX/XX/2023. It was stating that I owed money for an apartment on XXXX Nevada. I have never been to Nevada nor have i ever heard of the company that the money was owed too. I called the collection company to inquire about the charge. They were very rude and not wanting to help. They asked for personal information like last 4 numbers is social security number and when I refused to give it he got very pushy to get the information. They asked for a phone number and when I asked what they had on file it did not match my number. At this point he got angry and talked so fast with threats that I did not fully understand. I had a feeling this was a scam and he was trying to get my information so I discontinued the call. I looked up the leasing company on the letter and called the number on their website. We told her about the letter and asked if she could let us know if this was a scam or did someone rent an apartment in my name. She could not find my name in her system but asked if we could email her a copy of the letter. She said she would show her manager and get back to us with some answers. That was 3 days ago.

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 2023-07-10
Company: BSI Financial Holdings, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have submitted additional payments to principal and every time there's a problem. The first time was on XX/XX/23 and XX/XX/23. When I submitted my monthly payment of {$1500.00}, I added an additional payment to principal of {$2000.00} for a total of {$3500.00}. I expected the website to indicate that the transaction was complete. When that didn't happen, I waited for an email. Since I didn't get one, I resubmitted the next day because I thought it didn't go through. I still received no response, but a couple days later, I noticed that both charges showed up on the website 's transaction history. I emailed them through their website but never got a response. I then called and asked them to apply all of the second payment of {$3500.00} to principal. I also asked for email confirmation but they said they aren't allowed to send confirmation via email and to check the website. When I checked, nothing had changed, so I called again. They had no record of my previous call so I asked them to do the same thing. They didn't do it again. Instead, they sent a refund of the whole amount. 
On XX/XX/23, I did a one-time payment of {$20000.00}. When the transaction went through, they had automatically added XXXX so they amount the took out was {$21000.00}. I assumed that meant they wouldn't take the auto payment on XX/XX/23, but they did. So, they double-charged me for the month of XXXX. I called and told them to apply the second payment to XXXX and then I turned off auto payment. When I logged in on XX/XX/XXXX, it said my payment was due. I called to see if they were going to cover it and XXXX they said there was no record of my previous conversation, so I went ahead and paid for XXXX so they couldn't try to charge me late fees. I now have 2 payments for the month of XXXX and it looks like they took out interest and escrow money from both of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 list of accounts belo has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

Account name : # XXXX, Accounts name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other then records of conversations of crimes which antedates the report by more then seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shell not furnish any information relating to a consumer so any consumer reporting agency if the

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 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to FCRA section 605B which details your responsibily to block fraudulent information on my credit report resulting from 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 non-monetary relief
Consumer complaint received 2023-08-10
Company: Americas Car-Mart, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was a second time customer with the company. First vehicle was paid off successful but management had changed with the second vehicle. Vehicle purchased XX/XX/XXXX and all payments were current. In the month of XXXX, when the due date arrived, I spoke with the corporate office and informed them I would be making the current payment when by next Benefits from Social Security was received. I received a phone call and a home visit from representatives from the local office stating I needed to come into the office to discuss the matter. These occurrences were XXXX day before the second Tuesday of the month ( the day I received my benefits ). I went into the local office and spoke with the XXXX ( advised her I had spoke with the XXXX XXXX ) and she informed me that If I couldn't make the payment at that " moment ' I would need to provide her with the key and leave the vehicle. During this conversation she also informed me that my additional " TAX PAYMENT '' had not been made. This company charges and " extra '' payment to customers at the beginning of each year. In closing, keys were surrendered and I cleaned out the vehicle. When I approached the vehicle someone had already placed the seat belt through the steering wheel so the vehicle couldn't be move. 

I received a notice of plan to sell property dated XX/XX/XXXX ( XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation