BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-23
Company: DISCOVER BANK
State: NY
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:
Dear CFPB, Some of the questions on the forms- they ask if I tried to fix the problem with the Company! Yes! Yes! I have done so much to straighten these matters out with the Companies! So many Phone Calls! So many E-Mails! And Paper Mails! 
AN ENORMOUS AMOUNT OF PROBLEMS - seems - to have started when something went wrong with 1 accountatXXXX! 
It was aCheckingAccnt. I was using that accountto make automatic payments to a lot of Credit Card Companies. 

When something went wrong with thatcheckingaccountatXXXX- it caused things to go wrong with payments to Credit Card Companies! 

Then - that caused Credit Card Companies to start sending false info to my files at Credit Bureaus! 
Then - that caused those Credit Bureaus to send false info about me to a lot more Companies! 
Maybe all over Corporate America? 
How many Companies??? 
Strange thing- if somethinggoes wrong with 1 account- if it is acheckingaccount- it can spread a lot of problems to a lot of companies! 
I have done so - SO MUCH totry to getthese things straightened out withCompanies! 
And I gave the XXXX XXXX a back-up checkingaccount number that they can use until the primary checking account is fixed! 
I will file a more detailed complaintwhen I have more time & more energy! 
There R so many more details to write about! 
When I have better health!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a TD secured credit card ( credit builder ) in XXXX of XXXX. The account was subsequently alleged closed by TD Bank in XXXX or XXXX of XXXX as allegedly 60 days delinquent and " closed by credit grantor/TD Bank '' per the account history reflected on my credit report.

However, what they reported on my credit report / account history mentioned above is totally false. I had mailed communications requesting the account be closed using the collateral long before the account became delinquent and TD closed the account. So the account should have been reported as closed in good standing and closure as requested by borrower/consumer.

I would like TD to send me all the history and payment history concerning this account.

The last 4 digits of my SSN is XXXX I am requesting that TD Bank correct my credit report by removing the 60 days late notation and notate the account as closed by borrower in good standing. Failure to do so is a blatant violation of the FCRA and I will have to contact my attorney. I want the FTC to sanction if not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello : I have worked diligently with All 3 major credit bureaus to resolve items for which I can not confirm belong to me. I'm beginning to believe that someone is obtaining debt in my name. I've asked for contracts of all three collection accounts but to no avail. 

Please aid me in conveying that this will be the final time for which I'll be requesting this information prior to contacting law enforcement with counsel to investigate these illegal marks on my credit files. 

Let us not be remiss that The XXXX XXXX XXXX XXXX, Disclosure, Innovation, and Transparency Act of 2020 or in short better known as the Comprehensive CREDIT Act of 2020 within section 401 explains details regarding any adverse credit details contained within my personal credit file that Id appreciate if TransUnion, XXXX and XXXX would adhere to as is required by law. 

To not adhere to this law is accepting all consequences included and not limited to litigation, that will come fourth should they continue not comply with Federal Law.

( 12 ) TITLE IVCREDIT RESTORATION FOR VICTIMS OF PREDATORY ACTIVITIES AND UNFAIR CONSUMER REPORTING PRACTICES Sec. 401. Adverse credit information Any other adverse items of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE.

Collection Account ( s ) XXXX XXXX XXXX  ( {$3000.00} bill ) -XXXX  and TransUnion XXXX XXXX ( {$2000.00} bill ) - XXXX and another miscellaneous account XXXX XXXX ( {$320.00} ) - TransUnion - LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. The above account remains on my credit file but needs to be removed at once.

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 2022-05-04
Company: V and H Portfolio
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
In XX/XX/2021 a loan was taken out in my name. This was done without me knowing. l never received a single XXXX  from XXXX XXXX l called them personally and sent a inquiry and XXXX is showing delinquent on my report l have current and past bank statements too prove l never received a dime from this company please remove this item from my bureaus ( l also enclosed a bank statement from XX/XX/2021 the whole month in which Balance said they gave me XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Withdrew {$420.00} ( 2 {$100.00} bills, 11 {$20.00} bills ) XX/XX/2021 from the US Bank ATM outside the XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX location. After withdrawal, I noticed I was short {$160.00}, as {$20.00} bills were dispensed in place of the the {$100.00} bills. I walked inside the branch and alerted the teller that I was shorted by their machine, using their banks ATM debit card. Filed a complaint the following day via their toll-free number, learning I was given misinformation from the branch the day before, that I needed to file the complaint, not the bank. 

After fighting with the bank via XXXX, I spoke with a bank support person on XX/XX/2021, who was able to expedite a provisional credit. Then a second reversal was processed on XX/XX/2021. Both were taken back by the bank on XX/XX/2021, without any notification.

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 2021-07-03
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Original Creditor : XXXX XXXX XXXX XXXX Date : XXXX XXXX Amount : XXXX $ Collection Agency : SIMONS AGENCY INC XXXX XXXX XXXX XXXX, NY XXXX Complain I talked with the billing department of the original creditor " XXXX XXXX XXXX XXXX '' several times regarding this bill. Everything in my account was paid in XXXX XXXX. 
Picture1 : I got the letter front the collection agency for a debt which does not exist. 
Picture 2 : A letter sent by XXXX XXXX XXXX XXXX showing XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello : I have worked diligently with All 3 major credit bureaus to resolve items for which I can not confirm belong to me. I'm beginning to believe that someone is obtaining debt in my name. I've asked for contracts of all three collection accounts but to no avail. 

Please aid me in conveying that this will be the final time for which I'll be requesting this information prior to contacting law enforcement with counsel to investigate these illegal marks on my credit files.

Let us not be remiss that The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 or in short better known as the Comprehensive CREDIT Act of 2020 within section 401 explains details regarding any adverse credit details contained within my personal credit file that Id appreciate if XXXX, XXXX and Equifax would adhere to as is required by law. 

To not adhere to this law is accepting all consequences included and not limited to litigation, that will come fourth should they continue not comply with Federal Law.

( 12 ) TITLE IVCREDIT RESTORATION FOR VICTIMS OF PREDATORY ACTIVITIES AND UNFAIR CONSUMER REPORTING PRACTICES Sec. 401. Adverse credit information Any other adverse items of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. 

Collection Account ( XXXX ) XXXX XXXX XXXX ( {$3000.00} bill ) -Equifax and XXXX XXXX XXXX ( {$2000.00} bill ) - XXXX and another miscellaneous account XXXX XXXX  ( {$320.00} ) - XXXX - LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. The above account remains on my credit file but needs to be removed at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitted disputes to the 3 credit reporting agencies on XXXX/2017 to have deleted from my files 3 tax liens and an dismissed bankruptcy in accordance with the National Consumer Assistance Plan that went into effect on XX/XX/XXXX of this year. As of today, XX/XX/XXXX, the only updates from the 3 bureaus are that they show dismissed, which is unacceptable.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: FL
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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. 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 2022-05-04
Company: EQUIFAX, INC.
State: FL
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:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my checking and savings account with Wells Fargo on XX/XX/2020. I was told I would receive cashier 's checks within 3-5 business days. I only received the full amount of my savings account. However, I have yet to receive the cashier 's check of my checking account. It has been 20 days. I called Wells Fargo on two separate occasions and was told to keep waiting. It is almost the end of the month and I am in need of the money to pay rent and bills. I will try to call again to get this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
At the beginning of XXXX I received an HSA account through my employer, that was managed by XXXX XXXX. When the account was opened, the employer covered all service charges on the account. In XXXX of XXXX, the account was switched over to a personal/retail account, meaning it was a private account for me. 

When the account switched over to a retail account, XXXX XXXX chose electronic monthly statements for my account. So I never received any monthly statement from the company and then started charging a $ 3 monthly service fee. I did not choose to have electronic statements. I never authorized XXXX XXXX to use electronic statements for the account. I never set up an online banking profile with them. The company never had an email address for me on file until XX/XX/XXXX. I was not provided information about my account and XXXX XXXX continued to withdraw a monthly service fee for 4 years until they sent me a letter in the mail that said my account was inactive and any funds inside of it would be forfeited as unclaimed property unless I contacted them. 

When I received the letter, I sent the request back to have my account activated and to get my money out of their account. When I wanted to take my money out of the account I learned that they had been taking out this service fee for almost 4 years without sending any type of monthly statements to me or notifying me that they had placed the account into an inactive status. But they continued to withdraw the service fee. XXXX XXXX hid the money in my account so that they could continue to withdraw a service fee, without my knowledge, and line their pockets. When the company actually sent me a paper copy regarding the account, I was able to act on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I'm having issues with the credit bureaus not updated my correct address.

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 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I'm having issues with the credit bureaus not updated my correct address.

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 2022-08-17
Company: Experian Information Solutions 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:
Have made several attempts to the 3 credit reporting agencies along with XXXX XXXX XXXX to notify them that I have been a victim of identity theft by my ex-husband. They continue to claim that the information has been verified. How can it be verified if I have enclosed my Identity Theft Report. and my consumer report is still not accurate. For that reason I have been unable to refinance on my home per the Final Judgement of the Dissolution of Marriage deadline. I will also enclose of copy of the judgement as additional proof that my ex-husband has agreed to pay that account. Their blatant disregard to my request has caused me to have been denied of financing. I am now demanding that the XXXX account XXXX be deleted IMMEDIATELY or I will have no choice but pursue litigation for the damages that has occurred to my livelihood. 

I am also requesting that all inquires be removed from my report IMMEDIATELY for I didn't provide written consent.

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 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 XXXX is reporting inaccurate information on my credit file. They are reporting two lates for XX/XX/17- XX/XX/17 and I have NEVER been late. XXXX XXXX made it very clear to us if we get any lates they would come and take our furniture, so we made sure our payment was made on time each month. We still have the furniture.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: SYNCHRONY FINANCIAL
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased a Mattress around XX/XX/XXXX from Mattress Firm in XXXX WA. I was never told about it being promotional in fact the sales person who sold the mattress said the loan was a two year loan and would be paid off in full after that. She said I could make regular payments. On XX/XX/XXXX I was charged XXXX on annual interest on top of being charged monthly interest for the lifetime of the loan. This loan was though Synchrony Bank. I found out about it being promotional only after months of making a regular payment and found out if I could not pay it off in full I would be charged an annual 29.99 % yearly interest for the balance. I tried working with XXXX and they told me I had to pay off the balance of XXXX in order to not be charged XXXX by XX/XX/XXXX. I dont know what to do, I cant make bigger payments right now and Ive been tricked into a lengthy and never ending loan for. XXXX mattress. I have made every payment on time and never missed. I cant afford to tack on another year. Im exactly back where I started I now owe XXXX. I havent used this loan for anything other than the first purchase for the mattress.

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 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX Date opened XX/XX/2013 Account type Credit Card This account is paid in full and resolved with credit grantor as already been removed one bureau its reporting on the other two despite sending multiple dispute with credible evidence sent.The account is reporting late and charge-off despite being closed and paid.

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 2017-07-25
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted Equifax on XXXX XXXX, 2017 informing them that XXXX XXXX XXXX had pulled my credit report without my authorization. Furthermore, XXXX XXXX XXXX also pulled ran a credit inquiry with XXXX XXXX and XXXX XXXX. Again, I have never had any dealings XXXX XXXX XXXX. I requested these hard inquiries be removed from my file with Equifax. Equifax informed me they could not remove the inquiries and I would need to contact the companies directly, which I did. XXXX XXXX XXXX found no record of any transaction I ever had with them but being the unscrupulous company they are ( an F rating with BBB and revoked status ), they still have not removed the inquiry either. XXXX XXXX stated they had a record of an inquiry from XXXX XXXX at XXXX XXXX XXXX, so they could not remove the inquiry, XXXX XXXX XXXX would need to do so. So I am getting the runaround from everyone.

Company response to consumer: Closed with explanation