BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-06-08
Company: TFC Credit Corporation of California
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I refinanced a student loan and TFC Credit Corporation has been pain in full by XXXX since XX/XX/22. It is now XX/XX/22, and the company has refused to return the overpayment in the amount of {$4800.00}. I have spoken with 4 different customer service agents at TFC, and each time they have given me a different reason as to why my check has not been sent out. I was initially advised that after the payment posted to my account, any overpayment would be mailed to me directly within XXXX days. XXXX, the customer service supervisor I spoke with on XX/XX/22 advised that I needed to request the money be returned to me otherwise the company retains overpayments. He then went on to say that I would need to wait another week for the XX/XX/22 check run. Today on XX/XX/22 I was advised by XXXX XXXX, a Director at TFC, that I would need to wait until the XX/XX/22 check run, because checks are only sent out once a month. Every time I have called this company, they give me a new reason for retaining the money. 

I am aware that companies float money for interest and this is exactly what is happening to me and many others scammed by TFC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
There are a few hard inquiries on my reports that were unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: NC
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:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2023-02-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 of the person knows or has reasonable cause to believe that the information is inaccurate.

" Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian is reporting a collection for XXXX XXXX XXXX - XXXX and it is not valid nor is it mine. - I have been disputing this already and they claim it is valid. How did you verify it? XXXX XXXX IS NOT VALID VERIFICATION!! 
They are the only ones reporting this erroneous OLD debt that is also past the statute of limitations based on the dates!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Block, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 {$500.00} was taken from my account @ XXXX XXXX On XX/XX/2022 @ XXXX XXXX {$500.00} from an atm but was declined On XX/XX/2022 {$500.00} was taken from my account @ XXXX Total of {$1000.00} has been taken out of my account I filed with cash app a dispute over and over and I have called them over and over I got an email that told me that my claim on the deputed claims have been denied I emailed them back asking why they told me because I have used my card at the location in the past I went back online in a live chat over and over I have called over and over I am told that they will reopen my claim and they will get back to me by email only I have asked to speak to a manager I am told that they dont take phone calls I have asked to talk to someone that is in charge of the claims I am told no they only email no phone calls I am told that someone will get in touch with me by email and its the same thing over and over I asked if they could tell me what atm it was that was used they told me it is a XXXX atm and the best thing I can do is call XXXX  and see if they can refund my money so I did that XXXX didnt have a clue what I was talking about and said they have nothing to do with a refund it would be the bank my card is from I went back to Cash app live chat and it was the same thing over and over I am told by the person in the chat and or on the phone that they have sent my claim to the manager and it will be taken care of and as of Today XXXX NOTHING HAS BEEN DONE TO HELP ME I asked if they can please pull film of who made the transactions they told me no Cash app told me no thats not there job to prove it wasnt me that made the transactions I asked them how or why the 2nd transaction was declined but not the 3 rd one they can tell me nothing it is to the point that when I go on live chat and ask why nothing has been done to help me get my money back I get a message in the chat telling me they have no updates on my claims Something is very wrong with them people they dont care that I wasnt the one that made the transactions they dont care if I get my money back its not them so they dont care I have been hung up by the XXXX over and over and told they cant help me cause the claim has been denied if you need dates that I have called them and or have been in live chats PLEASE HELP ME GET MY MONEY BACK FROM THEM ITS BEEN MONTHS AND MONTHS They tell me it takes 10 days but could be as long as 90 days I just want my money back from them ( CASH APP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Toyota Motor Credit Corporation ( aka : Toyota Financial Services ) filed a lawsuit on XX/XX/XXXX against me after the Statute of Limitations has expired for an unproven judgment entered on XX/XX/XXXX through the law firm XXXX XXXX XXXX XXXX XXXX. The amount listed of on XX/XX/XXXX judgment was for {$4800.00} of which {$6000.00} was due plus interest from XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX froze my retirement account for {$12000.00}. I filed for a show cause with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX and was grant a hearing on XX/XX/XXXX, which I attended without a lawyer because I could not afford one. Yet I was looking forward to the opportunity for my voice to be heard. But the Honorable Judge XXXX XXXX XXXX only had me to fill out a return envelope for his judgment. As a XXXX XXXX XXXX senior citizen, I strongly believe that my civil rights, and well as the written law that states that in the State of the New York that the Statute of Limitation of debt is three years, have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 of the person knows or has reasonable cause to believe that the information is inaccurate.

" Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never 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 explanation
Consumer complaint received 2022-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On the XXXX XX/XX/2022 I instructed my broker company to transfer my assets XXXX from my broker account at XXXX XXXX XXXX XXXX XXXX to my bank account at XXXX XXXX XXXX XXXX XXXX  XXXX. 
This international XXXX transfer was initiated with the reference XXXX ( XXXX  Reference Number XXXX, XXXX XXXX ) to BANK OF AMERICA , N.A XXXX XXXX XXXX  NY XXXX ( XXXX ). 
I never received that transfer since that day. 
The XXXX XXXX tracking shows the transfer is under review at intermediary Bank of America. 
I posted twice to BOFA email address XXXX both times enclosing documents proving my source of funds and the objectives of the transfer. 
I have had no feedback or any further requests or clarifications by BOFA. 
These funds are used for my own personal needs. The funds are being transferred between my personal accounts.

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX XXXX and I am reporting these fraudulent information in my report. I have been trying to dispute this but I get no response or anything. They just keep spamming me with collection letters instead of answering my inquiry about the said information.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Account XXXX : XXXX has violated my rights. Or list of inquiries 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 2022-09-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the collection, charge-off, and late payment accounts. No changes were made. Below are the inaccurate accounts from my credit report : Collection 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX and I am reporting these fraudulent information in my report. I have been trying to dispute this but I get no response or anything. They just keep spamming me with collection letters instead of answering my inquiry about the said information.

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 2022-09-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
American Express is offering a Welcome Bonus of XXXX points on their Hilton Surpass Card. However, after filling up an application and hitting the submit button, I received a popup message mentioning that I am ineligible to this Welcome Offer. Also, it asked me if I need to complete with my application and of course I denied that. 

I've been an AMEX member since a very long time. I currently have XXXX active cards with them and was previously having another XXXX. I am not sure why they made my ineligible for this Welcome Bonus Offer. 

Looking forward to an explanation from AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Atlanticus Services Corporation
State: GA
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:
15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions 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 following acct # s have 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 XXXX XXXX  Account number : XXXX XXXX Account status : Late 30 days Available credit : {$300.00} Reported balance : {$350.00} Credit utilizationXXXX % Date XXXX XXXX XXXX Account number XXXX XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$1900.00} Date XXXXXXXX XXXX Account number : XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$380.00} Credit utilization Date XXXX XXXX  Overview Account number XXXX XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$22000.00} Credit utilization Date XXXXXXXX XXXX Date XXXX Date XXXX Amount XXXX {$380.00} Status XXXX Balance XXXX Account designator code : Individual account Account number : XXXX XXXX XXXX Date XXXX Date XXXX Amount : {$1900.00} Status XXXX Balance date : XX/XX/2022 : Account designator code : Joint account Account number : XXXX XXXXXXXX XXXX XXXX Date XXXX Date XXXX Amount : {$22000.00} Status XXXX Balance XXXX Account designator code : Individual account Account number : XXXX XXXX XXXX  Date XXXX Date XXXX Amount : {$500.00} Status XXXX Balance XXXX Account designator code : Individual account Account number : XXXX XXXXXXXX XXXX  Date XXXX Date XXXX Amount : {$310.00} Status XXXX Balance XXXX Account designator code : Individual account Account number : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022 CITIZENS LOAN # XXXX CITIZENS Bank Timeline XXXX I sent my Instrument of payment in the amount of {$160000.00} to CITIZENS MORTGAGE Bank CERTIFIED MAIL. XXXX XXXX XXXX XXXX RI XXXX. TRACKING # XXXX. 

XXXXCertified Mail was delivered XXXX I called to verify that CITIZENS has received my INSTRUMENT OF PAYMENT and spoke with XXXX  XXXX  ( ID XXXX ) and was told my INSTRUMENT was refused, I Stated the following below : UCC3-311 : Accord and Satisfaction ( a ) If a person against whom a claim is asserted li.e. 
Us ] proves that ( i ) that person [ i.e. We ] in good faith tendered an instrument to the claimant i.e. Them ] as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( in ) the claimant lie. They ] obtained payment of the instrument. 

..the claim is discharged if the person against whom the claim is asserted i.e. Us proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim. 

UCC3-603 : Tender of Payment ( a ) If a tender of payment of an obligation to pay an-instrument is made to a person entitled to enforce the instrument [ i.e. Them ] and the tender is refused, there is discharge, to the extent of the amount of the tender... 

XXXX I sent a CONDITIONAL AGREEMENT CERTIFIED MAIL TO CEO XXXX XXXX XXXX XXXX TRACKING # XXXX

Company response to consumer: Closed with explanation