BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep getting bill for something Ive already paid for. The bill they sent has a phone number where no one ever answers. Ive stayed on hold for over XXXX hours waiting! I paid this copay when I picked up my medicine in XX/XX/2022. Their bill does not indicate the date of the transaction so I can only assume its this XX/XX/2022 medication. That is the only medicine I have gotten that is this expensive. I paid it and a copy of my statement is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ; has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: MS
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # XXXX XXXX XXXX : XXXX Account name & # Ohio XXXXXXXX XXXX XXXXXXXX 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Im XXXX, I called Santander to inform them to come and pick up vehicle because it was involved in an accident and was not drivable. I did not want to pay for a car I could no longer drive. They eventually came to pick up vehicle and sold it according to their records for {$3400.00}. I did my due diligence and found that the car was worth {$15000.00} and now the bank wants me to pay almost close to what the car was financed for after the sale of the car ( XXXX XXXX ). I am not sure why I owe so much after they sold the vehicle which they could have sold the car for so much more making my balance next to nothing I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/22 my account was breached and unathorized transactions that stole {$3100.00} from my acct.The bank never notified me but the hackers did.I went to the bank on XX/XX/22 and had all mynaccount numbers changed and new cards issued.On XX/XX/22 my new account was breached again for {$340.00} while i was making police report again bank never stopped the activity and never notified me.Again had all accounts numbers changed again. On XX/XX/22 my @ nd new account ws breached again for {$1000.00} for the third dy in a row and the bank failed to stop it knowing my acct was breached prior two days before. all transactions were thru XXXX money app. Bank has done zero to stop these transactions and hasnt a clue to how this could happen.ive had my phone inspected by XXXX and XXXX XXXX and at no time did i have any viruses on my phone as the bank suggested. either the bank has a virus in its system or this was done from inside the bank. If i make multiple tranactions on my debot card the fraud dept puts a block on my card with no warning and i have to call them but they allowed 31 transactions to go thru my acct with out even thinking its fraud ... ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-21
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.

Account Number : XXXX Please remove it from my credit report. 

2. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.

Account Number : XXXX Please remove it from my credit report. 

3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.

Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was targeted for being a XXXX XXXX, Offered Unfair Rates and XXXX XXXX in The Store Environment, Knowing The XXXX XXXX exists XXXX 's needs to take better steps to protect my Account. 

Immunity from Liability If a mandated reporter makes a report with earnest concern for the welfare of a child, he or she is immune from any criminal or civil liability that might result. This is referred to as making a report in good faith. 

Listen to XXXX XXXX with XXXX : episode XXXX by XXXX on # XXXX https : XXXX Listen to XXXX podcast with XXXX : XXXX XXXX by XXXX on XXXX XXXX https : 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 2022-08-19
Company: Experian Information Solutions Inc.
State: WI
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  emailed me saying that I reported a card as lost or stolen. I did not. 
On the same day someone changed my address with the USPS in order to get the replacement credit cards.

I received a letter from USPS saying that my address was changed. I immediately went to the Post Office to report that this was fraudulent and was told to call the USPIS regarding change of address fraud. My first Case # was XXXX. I did not receive a response within 2 weeks. I called again and received a new case # XXXX. More than two weeks later I still have not received a response from USPIS. 
I also immediately contacted XXXX to report the fraudulent address. 
However, in the meantime USPS forwarded some of my mail and XXXX subsequently changed my address to the fraudulent one. I called them to report the fraud. 
Still, the fraudulent address made it into my credit report for Experian and XXXX. I have disputed the incorrect address with them twice. 
Luckily I prevented unauthorized charges by immediately notifying my credit card companies. However, what is disturbing is that I have been unable to get a response from USPIS. I want to be able to prevent criminals from changing my address online again. I was told this is not possible. That certainly plays in the hands of criminals who can report a credit card as lost and then simply change your address only with USPS. How can I protect myself from a recurrence of this? I have spent so much time on the phone trying to get this corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Avant Holding Company, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2022 I received my Avant credit card in that mail and on XX/XX/XXXX I activated the card. Upon leaving work on that day I purchased dinner to go at a restaurant with the card, this purchase was approved. Prior to getting home I stopped at XXXX to get RX, this transaction was declined. I contact Avant the following day to see why the card was declined and was told that there was a fraud alert on the card. I informed the company that there was no fraud I was the one who used the card. In the following week I received a email requesting a copy of my picture ID and bank statement with my current address in which I did. I was told that the investigation could take between 30 and 90 days and that I would have to wait fir the results. I have recently been informed that the restaurant sent the receipt for the food to the credit card company to request payment a was told that I fraudulently used a credit card and purchased the food I received. This restaurant is a place I frequented prior to the pandemic and because I was scheduled to be in the office that week I wanted to eat there. XXXX XXXX XXXX XXXX XXXX XXXX  for more than thirty years and they have been informed that I used a fraudulent credit card to purchase food. I contact Avant again today XX/XX/2022 to try to get this issue resolved and was told that I need to wait until the investigation is done and when I asked for a supervisor because this would affect my job I was told that there was no one available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A company called Gregory Funding based in XXXX XXXX and XXXX, OR assumed the servicing of our loan XX/XX/2020. Ever since, we have been disputing their accuracy in our statements. For the past 20 months, I can document and verify 20 payments, yet they continue to claim we are behind on payments ( in default ) and claim we owe more than we should and have threatened us with foreclosure. Their own records, obtained from their website, shows they have not posted 3 payments, even though I have the cancelled checks and bank records to document those payments. We applied for a refinance loan with another institution and we were conditionally approved at a lower rate, saving us thousands of dollars. All of my credit reports from 8 credit reporting agencies list me as good to excellent, above 750. Gregory Funding took it among themselves to give the institution a " poor mortgage rating '' which cost us the refinance. We were denied the chance to refinance based on Gregory Funding 's false reporting us as poor " mortgage rating. '' We have voluminous documents sent to Gregory regarding their continual false accounting. I believe my last correspondence will explain it in more detail which will be sent as an attachment below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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 XXXX  account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602A. states I have rights to privacy 15 U.S.C 1681 section 604A 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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602A. states I have rights to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: Social Finance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have attempted for 6 months for the company to issue me a refund of my overpaid interest after paying off the loan in full. They indicate that they sent it to my bank account but no such funds have ever been received. I have called numerous times asking for the money to be sent to me via a check and no one has been successful in completing this simple task. I have filed a complaint before as they did not post my payoff timely as I was given a bad address to send in the money. I just need the refunds due to me processed and someone to take ownership of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a credit account with Lane Bryant/Comenity Capital Bank which I closed back in XXXX of XXXX They confirm that the account is closed. Every month since that time I have received a bill for the account assure and they charge me minimum interest. I have paid it each month. I then call customer service to talk them about why I keep getting charged and they tell me that once I pay the bill in full that I won't get charged again. Which then I get another bill. This has been happening for 7 months. I can't see how it's legal for them to keep charging interest on XXXX balance/closed account for 7 months and then reporting a late payment when I missed paying them for interest that they said I wouldn't be charged, I am so angry that I keep having to deal with this and wasting time/money paying them and calling them to get it stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt Collection {$9500.00} paid to XXXX XXXX XXXX File # XXXX XXXX sent XXXX XXXX  cashier 's check via certified mail. 

XXXX Funds were received and check cleared by XXXX XXXX XXXX XXXX Received letter saying check was returned by our bank unpaid. Any arrangements that we may have with you to withhold the next step in the XXXX process were breached by sending us a dishonored check. Unless we receive a replacement payment, ee may proceed with legal action. 

XXXX Letter from Harris & Zide Enclosed cashier 's check ( possible copy ) with multiple dated stamps and handwriting " sif ''. 

XXXX I, XXXX XXXX, contact XXXX XXXX XXXX. They say the funds were in-fact sent to the debt collector XXXX XXXX XXXX and will send my a copy of proof. 

XXXX I, XXXX XXXX, call Law office of HARRIS & ZIDE They decline to be recorded after I grant my permission to them and refuse to talk via telephone. 

Law Office of Harris & Zide, representing XXXX XXXX XXXX, is committing mail fraud and an attempt to receive multiple payments for debt already paid for and deducted from my account a month after receiving payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS 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 items : 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