BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-08
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
A wire transfer was issued from XXXX XXXX XXXX XXXX to TD Bank XXXX XXXX XXXX. The wire transfer originated in XXXX XXXX XXXXXXXXXXXX with an exchange rate as indicated on the wire transfer of XXXX, with a final amount of $ XXXX. What arrived at TD Bank was {$12000.00}. A difference of XXXX. TD Bank wire transfer refuses to provide how or why there is a difference between what left XXXX and what arrived in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Asset Management Outsourcing, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitted this complaint today due to the above referenced collection agency ( Asset management/ nationwide recovery Amount is {$820.00} Opened! XX/XX/XXXX ) making no attempt work with me on resolving this debt that should not exist. During the dates that this debt is said to of occurred I carried state medicaid and provided my medicaid card during any all medical visits which is on file. I have disputed this debt and it remains on my credit report ( XXXX  ) although the collection agency has yet to verify that I am responsible for the debt with a agreement having my signature on it or any hippa papers that should have been signed. I also request that the collection agency show proof that I signed a medical authorization form giving them access to my records along with thier license authorizing they follow all Hippo Laws or of which would be relevant. I have made contact with this company to resolve the debt and the company refused to work with me or settle. The only reason I can think that this company would not settle with me is because I do have good credit without any other collection on my report besides that this company. My boyfriend has a debt with this company with poor credit and the company settled out for a 1/4 of the bill. This is affecting me financially and especially during this pandemic where I am out of work. It has been a constant burden causing me severe XXXX where I've had to reach out for medication for my XXXX I request that the debt be immediately removed from my credit report with all 3 Credit bureaus or provide the requested documentation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Upon checking my credit report I noticed I had fraudulent accounts being reported. I tried to reach out to credit reporting bureaus but the did not properly investigate and correct reports.

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 2022-05-05
Company: Experian Information Solutions Inc.
State: TN
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 Department of EducationXXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: ERC
State: KY
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was contacted by the American Express representative, XXXX XXXX. When I returned his call in XXXX 2016, XXXX XXXX asked if I wanted to continue with American Express after the American Express XXXX program expired. I said I was not interested, but XXXX XXXX noted that one of the benefits of the American Express Business Gold card he offered was that it included primary insurance coverage for car rentals and that the first year of the card use would be free. I accepted the card based on these benefits. When the card arrived, the paperwork indicated that the car rental insurance coverage with this card was only secondary. I immediately called American Express to understand why there was a difference and if I could get the insurance coverage that was promised. American Express said they would resolve this issue within 6 to 8 weeks. After 2 months went by, I called American Express to find out if there was any resolution. At that time they offered to sell me primary car rental insurance for an additional fee. I told them that I was only interested in the original offer in which the primary car rental insurance was included at no additional cost. I was then transferred to an American Express supervisor named XXXX. The phone connection was bad and the supervisor said she would call me right back in hopes of getting a better connection. We confirmed the phone number for her to call be back at. Several hours went by and I did not receive a call back from American Express. 
I feel that XXXX XXXX falsely represented the card benefits in the initial sales call so that I would continue as an American Express customer. It appears that American Express has no interest in resolving this discrepancy. At this point, I feel that it is in my best interest to cancel this account to avoid paying a renewal fee for this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17
Company: GLA Collection Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX was provided with my insurance and Texas XXXX contact information to pay all debts related to my assault in XX/XX/XXXX. 
The bills were paid even after XXXX mislead me and kept me in their facility without cause. 
XXXX paid full amounts with exception of a small amount in which case XXXX as well as all other providers were granted the information to send their claims to XXXX Services for payments. All other providers were paid. It was my assumption that XXXX would do as instructed and be paid by XXXX and XXXX for all amounts. I have requested my medical records and billing records on XXXX separate occasions over the last 2 years and provided copies of the protective orders as my information is concealed for security purposes. This month I now have a mark for collections from this provider with XXXX of the XXXX credit agencies. I 'm submitting a certified letter as will be copied to you requesting validation of this debt. I 'm also requesting full records from XXXX and XXXX Services. I do not believe these are monies are due and indeed should have been paid if they were due, by XXXX or XXXX. 
I am undergoing an extension with the no contact Protective Order with my attacker at this moment and have copied all such records to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2020 i received a loan inquiry from a company i never reached out to and they got a copy of my credit report and it is now listed as a hard inquiry i never did.

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 2022-05-05
Company: EQUIFAX, INC.
State: TN
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 Department of Education/XXXX Account XXXX XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Department of EducationXXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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 2020-04-07
Company: EQUIFAX, INC.
State: MD
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 XXXX HAVE FRAUDULENT INQUIRIES FOR THE FOLLOWING DATES XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: TN
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:
Upon checking my credit report I noticed I had fraudulent accounts being reported. I tried to reach out to credit reporting bureaus but the did not properly investigate and correct reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax Credit bureau dispute dep. has been very negligence in regards my report, I have file a dispute several times for the same item-record and they have give me the final reports as : accurate that belong to me. 
I have been disputing a bankruptcy that it has been reporting since XXXX XXXX in credit report from XXXX and Equifax. 
XXXX did their investigation accurate and realize that this bankruptcy belongs to a different person altogether and they deleted the record from my credit report. 
But Equifax have NOT, I file a dispute several times and the investigation Department send me the final report as ; " We have reviewed the bankruptcy information, XXXX the results are : We verify that this item belongs to you. Additional information has provided from the original source regarding this item. if you have additional questions about this item please contact : CA XXXX Bk CTXXXX, CA XXXX Phone : XXXX. 
Than I listen to them and Contact the Bankruptcy court. My finding is that this record was file by XXXX of my family members with similar name but big age difference, I am XXXX years old and the family member that file bankruptcy is XXXX years old and he has his SS # written in the forms very different than mine. in my last dispute I send equifax the copy of the bk file showing the similar name, same address, different SS #, I point out all this differences to them, the DOB big age difference, and they still send me the results describe above. I do not know what to do anymore please can you intercede for me I need my credit report accurate to continue with my life and good credit. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this compliant this because Equifax has ignored my request to provide me the documents that thier company has on file that was used to verify theses accounts, Being that they have gone past the 30 day mark and can not verify these accounts. under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which not can not be verified that have disputed. Please reslove this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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: Investigation took more than 30 days

Complaint:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX XXXX # XXXX XXXX5 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 than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Ace legal XXXXXXXXXXXX To Ace legal XXXX Today at XXXX LAST CHANCE TO SETTLE THE CASE CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$1200.00} CREDITOR - ACE CASH EXPRESS. 



SETTLEMENT AMOUNT - {$400.00} This email is in reference to notify you that you has been blacklisted ; your social security number and banking accounts are under investigation thru major credit bureau XXXX. You would be receiving the court papers at your mailing address as well as at employer place as you failed to make the payment as per the agreement. 



We are make an effort to several times to help you but you ca n't understand our concern so lastly here is you arrest warrant because your last chance is over is right now and we are not interested with you to resolve this matter so kindly do not waste our important and exigent time. 



We are sending your case file to our attorney as your outstanding balance has reached $ XXXX.We will also forward all your details to attorney regarding your negative approach towards your debt. In that a case you need to hire an attorney for yourself and we shall meet in the court house. 



Once its proved that you have taken loan than you have to pay the total outstanding balance as {$4500.00} inclusive all charges. 





One copy of your court papers will be forwarded to the correspondence references which were used by you when you committed the loan. 



Regards Ace Cash Services LAST CHANCE TO SETTLE THE CASE CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$1200.00} CREDITOR - ACE CASH EXPRESS. 



SETTLEMENT AMOUNT - {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Team, I was referred by XXXX XXXX at Equifax to Consumer Finance.gov. 
I am in the midst of Divorce in XXXX Court XXXX. I am renting from the Owner XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I started renting in XX/XX/XXXX my Apt XXXX Which had XXXX XXXX in his name installed. We transferred account from him to my name. Which services were in and new box mailed to him. After working from home and poor service I cancelled this services and asked they mail me labels back to ship back gear since labels were in old owners name. After shipping back originally I was told paid up to date {$50.00} credit and then they said they cancelled in XX/XX/XXXX after my discounts. They stated contract and Short fees. I told them I do not owe and asked for proof and bills. They never responded. They then put me into collections XX/XX/XXXX XXXX XXXX # XXXX where I spoke to Rep. XXXX XXXX XXXX XXXX # XXXX XXXX at XXXX on Acct # XXXX he offered in letter {$820.00} settlement and then lowered to {$500.00}. I explained issue and asked he refer to XXXX. He did and closed it out. XXXX then in XXXX dinged my credit and referred to a XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX Consumer XXXX XXXX # XXXX. He referred back to XXXX. I immediately called Equifax where I am a premier Member-XXXX ( -Dispute XXXX ( XXXX ). I have called numerous times to XXXX to ask for Bills as no contract I did right things and paid XXXX XXXX for 18 years as well. Note I have Fraud cases open with XXXX XXXX and XXXX XXXX and XXXX Executives helped Credit over $ 9k in billing issues of a number I did not own. 

Today I spent 3 hours disputing with XXXX as they just opened case with XXXX XXXX. 

At XXXX today a lone 3 Hours calls. 

XXXX XXXX. Spoke to XXXX XXXX-Billing transferred to XXXX Financial Services who said she saw Late fees disconnect and check issue but, referred me back to Collections. Finally after getting XXXX XXXX Call Center Rep. he conferenced a Manager XXXX XXXX who said XXXX XXXX the first # I called! Ask for Manager XXXX or XXXX noted expecting call. Called spoke to XXXX XXXX who said no mangers available could not find account final pushed for XXXX left Mobile email no calls back. XXXX XXXX was the Manager. After calling Equifax on XXXX they said XXXX research done but, only option open new Compliant and my credit is critical. Help. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021, I went to two ATMs to withdraw money. I went to 2 ATMs because I thought there was a problem with the ATM. My transaction was charged, then reversed several times. The transaction charged my account 12 times. They charged my account {$300.00} eleven times, and {$100.00} one time. This has never been a problem. Usually Wells Fargo sends me an alert that I approve. I had to call twice today to get help. The first agent did not resolve the problem.

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 2017-11-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a citi simplicity card. I pay my balance in full but was still charged interest XXXX when calling the company they said they charged the interest every circle???

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 2020-11-15
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over, 45 days later, I have yet to receive a response. I feel as if I am being taken advantage of and/or being ignored throughout my dispute process. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 45 days. Therefore, these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this lengthy process has caused me. My information was also impacted by the Equifax data breach and may have been placed in the hands of the wrong person.

Company response to consumer: Closed with explanation