BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.XXXX  XXXX {$250.00} XXXX XXXX {$0.00} XXXX XXXX {$1300.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$410.00} XXXX XXXX {$450.00} XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$100.00} XXXX XXXX XXXX {$18000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I never applied for this card ( US Bank ReliaCard ) and have no idea how this company went through a financial application without my knowledge or approval. My name is from a previous marriage which ended in 1997 and the first name is spelled incorrectly. I did apply for unemployment and did respond with NO DEBIT Card required. 

I am reporting US Bank as a potential scam. This is very disturbing and I want this cancelled and made known to the Ohio Unemployment Services as well as to your company. This is financial abuse. You had no right to my information however wrong it is indicated on this debit card.

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 2015-04-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2015 I noticed XXXX unauthorized ACH transactions from a company named XXXX PRO XXXX for {$1200.00} ( XX/XX/2015 ) and {$1800.00} ( XX/XX/2015 ) debiting my business account # XXXX ( closed ) with TD Bank. I contacted my bank immediately to request a refund and days later received a letter from TD Bank stating that the refunds requested were denied. I have not done any business with XXXX ever but nevertheless I contacted them and tried to explain their mistake but instead got the run around. I have more details if necessary. I have nowhere else to turn and I am hopeful that your agency may help me recover the lost funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My debt with XXXX XXXX XXXX was discharged in bankruptcy in XX/XX/XXXX. They have since begun reporting the account on my credit as a derrogatory account with inaccurate dates and a balance due as of 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 non-monetary relief
Consumer complaint received 2023-02-02
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-08-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have not be able to see my Credit Report since XX/XX/2020 until XX/XX/2020. Sent emails and called and to this moment company has refused to help me. I tried to obtain my annual free credit report and not even that I can get. I was informed by a rep that my address was removed from the internal database and i did not initiate a change of address or dispute. I spoke with rep from escalation department on XX/XX/2020 who hung up call on me because I wanted to know why my address was deleted. This company has been very unprofessional and the worst at resolving ongoing issues. Was told that the escalation ticket from XXXX is still open and I can not see my report. This is against my RIGHTS!!!!!!

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 2020-01-10
Company: ALLY FINANCIAL INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Mr. XXXX used XXXX from Ally Bank to send Mr. XXXX {$400.00} on XX/XX/XXXX. Mr. XXXX waited 3 days before receiving a notification that the money was sent. 2 days later, Mr XXXX was notified that the transaction was declined manually by Ally bank. According to his bank XXXX XXXX XXXX. after a week of waiting around the money has not been recieved be Mr. XXXX or Mr. XXXX. After 2 more weeks of waiting both banks are now pointing their fingers at each other and at XX/XX/XXXX we are choosing to file a complaint.

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 2016-09-17
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
Target card services has a probate claim against XXXX XXXX XXXX. I have asked numerous times for copies of sales receipts and payments to valadate this claim over a 2 years. These charges were made by a care giver without permission and they were unauthorized. I have had no response after sending a letters which explained the situation in XXXX XXXX. I heard nothing back until XXXX, TARGETS 3rd party for deceased processing was going to request Target withdrawal the claim for lack of any response. I week later, XXXX XXXX, I received a call from a fraud representive named XXXX. I again requested sales receipts, explaining that my mother did not make these charges. She asked me to get a police report, which I did. XXXX agreed the charges seemed to be strutured under the amount for sign sales receipts. Though she did not tell me what the amount was. Then she sent me a letter declining the claim without calling me asking if I had additional information or showing me a signed sales receipt or copy of a payment with XXXX signature. 
I sent additional evidence by fax on XXXX XXXX, XXXX. XXXX never sent any corespondence saying she received it or reviewed the evidrnce. I called last week to complain and again asked for proof she made each of these purchases or any of purchase from XXXX through XXXX. I just received another letter that says the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA Violation: address and name not mine
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: auto loan not mine
XXXX XXXX XXXX  
FCRA Violation: collection not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA  Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Hi there is XXXX accounts In collections Again on my Credit report Equifax only, These Identity and Financial Fraud happen sometime ago and was removed from my credit report. You guys also help with that issue a fee years ago. XXXX Equifax put it back on? Knowing its fraud. I have also submitted all info and I was living out of the country at the time of fraud I just returned late XX/XX/2015 and now just say this back on my Credit file. Please remove XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been scammed by company called XXXX Home base business. With a counterfeit check in the amount of {$2900.00} and my bank has authorized the transition of that check less than 5 business day rule. I have been with TD bank for a while and I never overdraft my account and Now my account is overdraft and the bank wants me to payback the money because fake check was written under my name and was deposit in my account. I called my bank more than once and I went to the bank in person. They telling me that they have no way of knowing the check is bad. Until transaction take place. My question is if the banks that have seen all kind of bad checks and counterfeit money and they do n't have best methods of protecting consumers from frauds. Now I have to pay back the money that I did not use on my own. as a consumer I 'm requesting that FDIC need to have regulation to in force with the banking system on how to prevent Fraud and protect consumer of this country by purchasing the equipment that will detect counterfeit checks or money as soon it deposit not making money available unless the checks is real. I believe the bank should be able to have a machine that process checks and counterfeit money as it is deposit. That is the only way we can stop fraud activity and prevent me. I have been with TD bank for a long time never my account balance is law and ca n't cover my charges TD bank never authorized my transaction. How can TD-bank authorized this amount of money less than 24 hours and it a fake checks? Now my account is frozen and TD bank is telling me I over draft my account. I have no money to pay TD bank for this. I did not take money it is a Fraud activity that Bank is responsible taking it responsibility and preventing me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Using the information on 'best practices ' that these credit bureaus provide, I have reduced my usage to below 1 %, paid off all outstanding debt, made all payments on time, etc. 

Today, XX/XX/2020, Overnight my credit score plummeted by 64 points ( Equifax ) and by 20 points ( XXXX ) because my credit card numbers were changed. According to the information that XXXX XXXX provided, those were the only change on my account. Even though, the explanation I received stated that the changed CC numbers should have no impact. 

Additionally, the length of the oldest credit is stated as just over 2 years because I paid off student loans a few months ago - which also has an impact on my score. So, because I paid off the loan, it no longer qualifies as 'oldest credit. ' It appears that the more I follow the stated 'guidelines ' that the credit bureaus provide, the lower my credit score. The rating system seems at odds with the advice that the bureaus provide and this is reflected in my credit. 

Perhaps the algorithm that calculates such things should reflect what the consumer is being advised or vice versa.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card
Issue: Late fee

Complaint:
Capital One suspended my credit card and charged late fees to it for what they claimed was " fraud activity ''. I spoke with the bank and they said that " one of the credit bureaus had alerted them of fraud activity '' ... but would not say which one. 
Capital One opened a new account for me and moved the balance of {$740.00} to that account. But they added late and services fees bringing the balance up to {$800.00} for issues that have NOTHING TO DO WITH ME. There is no fraud on my account and they will not give me anyone to contact or which bureau suggest that fraud existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
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:
XX/XX/2020 Dear : Consumer Financial Protection Bureau ( CFPB ) I am writing to inform you of unfair credit and debt reporting from the three credit bureaus. 

It is seemingly harder to dispute unfair credit and debt reporting online and through their mobile Applications ( Apps ). With recurring and repeated erroneous data keep coming back with no proof besides the words of the creditors who have charged off. Unscrupulous Debt collections are just adding to credit reports without writing letters that is a requirement for the Fair Debt to dispute within 30 days nor providing why it was placed on your credit report. According to Federal Trade Commission Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a consumer reporting company ) are responsible for correcting inaccurate or incomplete information in your report. To take full advantage of your rights under this law, contact the credit reporting company and the information provider. All three credit bureaus are just taking the creditors word and providing proof and lawful evidence to the consumer and reinstating Incomplete, Outdated, Unverified, and inaccurate data. 
I have asked for a letter asking the credit bureaus for the proof of signed documents or electronic signatures that support the hard inquires. Proof that debt collectors are licensed to practice in the state of Illinois, authorization to collect and provide legal evidence that they are the true owners or purchasers of the outdated debt and the statute of limitations for the state has passed. The Credit Bureaus have not replied or sent irrelevant information and kept the erroneous information on my credit report. 
In addition, they are reporting inaccurate disparate credit usage amounts and data before payment dates are due by the creditor. 
Late Payments Collections Foreclosures Inaccuracies Unverified Inquiries Charge Offs Incomplete data Outdated and Statute of Limitations has expired

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Open Account with XXXX XXXX XXXX for {$83.00} Original XXXX XXXX XXXX XXXX XXXX open Date XXXX 2013 last reported date XXXX XXXX 2013This Account is closed and paid in full spoke with this creditor XXXX they statedboth times Account is been closed and paid in full and was removed from all XXXX credit reporting Agencys. when I review my report I see it open and still owening

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21
Company: TMX Finance LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
ATTEMPTED TO GET A TITLE LOAN BUT DID N'T FOLLOW THROUGH AND THE LOAN WAS NOT FUNDED, YET THEY REPOSSESSED THE CAR. I NEVER RECEIVED ANY MONEY FROM THE COMPANY AND YET THEY STATE I OWE THEM XXXX DOLLARS IN ORDER TO GET MY CAR BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX  XXXX {$300.00} USDEPTED XXXX {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: PNC Bank N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
had a XXXX dollar fraudulent charge from XXXX and XXXX that I would not pay. they PNC credit deemed the charge was fraud and removed it from my bill. Since then I have done everything requested and made the payments requested and they now have a XXXX late fee on my account ... My credit history is flawless and I have paid my account in full every month for over XXXX years. Never late ... I don't even know where this late charge is coming from. Sanctioned stealing by PNC should not be allowed..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
X/XX/2017 My purse stolen. ( unbeknownst to me contained a blank check ) X/XX/2017 Fraudulent check cashed against my checking account U.S, Bank XX/XX/XXXX-X/2017 I contacted U.S.Bank, who instructed me to fill out fraud report XXXX I received a denial of claim from the Fraud dept., they claim that I 'm at fault for not securing my checks. X/XX/2017 I went to my local bank branch and was told that when the fraud dept makes a denial, it is finial. I talked to XXXX XXXX, branch manager at the XXXX branch. XXXX XXXX said that he would do what he could. After many phone calls and several weeks later, nothing has been X/XX/2017 XXXX XXXX said the Back Office would try and pursue the matter through the bank that cashed the check. Fidelity. X/XX/2017 XXXX XXXX called to say there was n't anything else he could do. He suggested that I pursue the matter through the other bank, Fidelity. I do n't think that is fair since US Bank was not successful in taking that route. XXXX XXXX said he would contact his Regional manager XXXX XXXX. X/XX/2017 XXXX XXXX offered me 1/2 of the amount of the fraudulent check stating that I was at least 50 % to blame. X/XX/2017 I contacted the CFPB to ask for their help in full restitution. 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 explanation
Consumer complaint received 2020-01-10
Company: Experian Information Solutions 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 only have 3 accounts on my credit report and the balances are never accurate. I'm XXXX and most purchases are from online shopping. When stores issue credit back, I must call and babysit until completed. It took XXXX from XX/XX/XXXX through end of XXXX to credit card from XXXX purchase for damaged table. Despite XXXX crediting account back in XXXX. This caused a discrepancy of over {$200.00}. I recorded all phone calls as I am XXXX. I used the card in XXXX XXXX $ is the balance for XXXX.and currently. This impacted my scores across all 3 bureaus. My checking account has been at XXXX since moving to GA in XX/XX/2007. Next is XXXX and XXXX. XXXX closed old card and opened new card due to card not working and balance report issues. It's on autopay and secured. After payments. It takes minimum 72hrs to  post to account. Balance is incorrect. Its {$97.00}. XXXX balance is {$190.00}. Both decreased every month haven't used them. Excellent pay history! However my score has been going down every month. Please assist! I think because I'm XXXX and a XXXX once my scores were above XXXX they started going down despite my perfect paying history and sending in statements and calling these rude agents who make my tremor start. Its crazy! Please help!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Numerous calls regarding a debt to be collected that is not owed. There is no outstanding debt or complaints on any of my credit reports as of XX/XX/20. The calls occur daily and often several times in one day and come from two phone numbers : XXXX and XXXX that comes up as potential spam. I've attempted to complete the " stop calling '' form on their website ( XXXX XXXX XXXX  ) but ironically, the form errors and is not able to be submitted.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation