BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: Southwest Credit Systems, L.P.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband passed away on XX/XX/XXXX. The next week, as I was making cuts on bills, I chosed to have my internet turned on, and the cable turned off. I called XXXX. The guy I spoke with told me I had a {$20.00} past due. I was prepared to pay it, but he told me not to worry about it, that he was writing off my balance. Since then, I pay my monthly bill on time every month as I'm working on my credit score. 

Out of the blue, on XX/XX/XXXX, i received a notification from Southwest Credit Systems in XXXX, TX, that I had a past due balance from XXXX in the amount of {$140.00}, I needed to pay. 

Today, XX/XX/XXXX, I phoned XXXX and was told by two ( 2 ) people there was no past due balance on my accounts. I asked if they could send me something that said that so that I could send it to the creditor and was informed they could not send me anything or contact the creditor, but another department could so they transferred me. 

The ladies I spoke with ( there were two ), told me there was a {$140.00} balance and they demanded payment. I told them there was no money owed, so I asked them what we could do. The last one I was speaking with told me that I must pay it. I said that wasn't going to work until they could show me why two people said I owed it and two said I did not. She ended up hanging up on me. I never got rude or raised my voice. I know that I do not owe this money. I'm sure I would not have service with them now if I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit 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:
This complaint is a continuum of complaint number : XXXX. 

I contacted American Express on XX/XX/2023 in regards to case number XXXX. The statement cycle in which the payment was posted was from XX/XX/XXXX to XX/XX/XXXX ( attached ). In reviewing my current statement, I am unable to locate where American Express provisionally credited me the amount of the disputed item. The dispute does not appear deducted from the XXXX or current statement. In all, it appears that American Express has held me responsible for the amount in dispute. 

This action appears to be a potential violation of Truth-in-Lending. Under Truth-in-Lending, the consumer has the right to withhold the disputed amount, and collection is prohibited. I am requesting a written response from American Express as to why it potentially appears I was held responsible for a disputed amount and if not, where the provisional credit is detailed. As of XX/XX/2023, there has been no resolution of the charge or notice provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On the XXXX of XXXX I found two inquiries on my report These two hard inquiries were not authorized by me. 

XX/XX/2022 XXXX XXXX XXXX  REPORTED AS FRAUDULENT INQUIRY XX/XX/2022 XXXX REPORTED AS FRAUDULENT INQUIRY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Car was paid in full and released from XXXX XXXX but my credit is negatively reflecting an unpaid balance that has been satisfied which is a direct violation of my rights under the FCRA. I have repeatedly disputed this with the credit reporting agencies, who only conclude that the investigation came back accurate and verified, but they never send evidence to support the claim. This has negatively affected my ability to obtain a new auto loan, and is causing great financial distress. There is a current lawsuit against XXXX XXXX, and I demand this false and negative entry be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2022, I received a letter from a collection agency, Transworld System, demanding I pay a medical bill for XXXX XXXX XXXX 

While neither deny nor accept the bill, I was looking for some questions to be answered. They answered most of them, but refused these questions : 1. The agreement with your client grants you the authority to collect on this alleged debt. 
2. The agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor. 
3. Any judgments obtained by any creditor regarding this account 4. Commission for the debt collector if the collection efforts are successful. 
5. Provide the name and address of the bonding agent for Transworld in case legal action becomes necessary. 
6. Verification that this debt was assigned or sold to a collector. 

Instead of answering my questions, they sent me another bill on XX/XX/2022, and another on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Block, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
My initial complaint was on XX/XX/2022. I received payment XX/XX/2022. Square advertised " Instant Transfer '', which is not true. The original complaint ID # XXXX. Today is XX/XX/XXXX, XXXX, four days later, and Square is unapologetic holding my funds, being unavailable using the " Instant Transfer '' option sent to my email. I have the screenshots from Square that I received on yesterday, XX/XX/2022. Square really needs to be more socially responsible and stop with the " extra hidden fees, false advertisement and holding customers funds which is very unprofessional. Square needs to be held accountable for the way my account and transfer is being handled. Unacceptable on all levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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 XXXX XXXX ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

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: Experian Information Solutions Inc.
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:
Experian keeps reporting an XXXX XXXX open collection on an account that should be closed to exempt funds i want them to remove the consumer statement they wrote and replace it with my new consumer statement : this is a social security XXXX account which is exempt from debt collection this account is illegally being reported as an open collection under the law they must write my statement as is or delete the trade line

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: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

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: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Im a victim of fraud. I send in my letters and disputed all the transactions. XXXX acted with the best result however Equifax has piled all these fraud charges on my report when they clearly were removed from my other reports. Equifax should match my other scores and the fraud damages removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i am trying to get a new home with my credit union/bank . i called them so that they could do a soft inquiry to see where things stand. they said they have to pull from equifax to do the soft inquiry. on two different occasions, they are saying they cant see my equifax credit report. they stated on both occasions that it is showing i do not have an equifax credit report. also, i believe the credit score for my equifax is wrong. it is still showing the same score as it was awhile back, after having 4 accounts removed from it, but it should be higher. anyway, i found out that if you have too many soft inquiries on equifax, that it will not generate your credit report for some reason. and i also found out about the equifax credit score glitch. i talked to equifax and had my fraud alert removed, hoping that would fix things. i then called to have soft inquiries removed from my report because there are way too many on there and they said they cant remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Due to the pandemic communications companies allow people to open accounts online and if your info, i.e., name, DOB, social, etc., are in a data breach, anyone can open accounts with these companies. The companies take them without running further checks, as an example, Ive had my XXXX XXXX XXXX cell phone number for over 20 years, and yet, they failed to call me to verify my identity for this new, fraudulent account with XXXX XXXX XXXX XXXX When you complain to these companies that you have been a victim of identity theft, they want you to fill out about affidavits, police reports, etc., of documents to prove your claimthe irony. Perhaps they should do the same to prove who you are BEFORE they open an account to just anyone. There should be some type of two-factor authentication. You are not notified of the fraud until the suspect fails to pay their bills. In my case, XXXX XXXX XXXX XXXX XXXX fraudulent account under my name sometime in 2022 and again, without calling my XXXX XXXX XXXX phone number to verify and waited until the account became delinquent to finally contact me. How absurd!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions 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:
On XX/XX/22, I reviewed my consumer report and discovered there were inaccurate items reporting to my consumer report. I have contacted the agency via mail, identifying these inaccuracies with proof of identification. The agency has failed to maintain reasonable procedures to ensure that the information is accurate and relevant regarding my personal information. My current consumer report still includes misspelled names/names that do not belong to me, old addresses, and employees.

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 2022-08-28
Company: JPMORGAN CHASE & CO.
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: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a 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 ar purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted Equifax on several different occasions and provided them copies of my passport, social security card, and drivers license. I have also written a letter which was included with these documents letting them know the birthday listed on my report is not correct. I have provided them with the correct birthday and they keep refusing to change it. They keep telling me to send in more documents which i have already done. They have it listed as XX/XX/XXXX  which is not correct. My correct birthday is XX/XX/.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am on my XXXX or XXXX lease with Lexus Financial. All previous leases have been paid on time flawlessly. And up until recently, my current lease has been paid on time. 
In the last year with Covid, I went on XXXX and am paid only once a month. 
And recently my husband had an emergency and could not work for 2.5 weeks and does not get paid when he doesn't work. 
So for a few months, I have paid late, but still within the 30 days so not delinquent. 
I called today at XXXX XXXX  and spoke to a representative and then her manager to 1 ) get my due date changed to when I get paid, and 2 ) have my XXXX payment moved to the end of the lease. 
The manager said that I have already had the 3 allotted deferrals for leases and 2 extra due to Covid and that there was nothing they could do. 
After several leases and several years and several on time payments, this is how they treat their customers?! 
Now my lease will be delinquent because I can not pay my XXXX payment until XX/XX/XXXX when my XXXX payment is already past due. 
I will pay my XXXX payment on the XXXX along with the late fee however can not pay XXXX and XXXX! 
I am livid! I don't even drive the car! I want to terminate my lease but they said that not only will I have to pay a early termination fee but also the entire value of the car! 
Sorry I am rambling. I just know that this is no way to treat long time valued customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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 Credit Reporting act XXXX XXXX  XXXX Account # 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. 

XXXX5 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX XXXX XXXX l, First Name & Last Name, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. Account Name : Capital One Account Number : XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 
15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation XXXX. Account Name : Capital One Auto Account Number : XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 
15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes

Complaint:
I called TD Bank Fraud department regarding a denied charge on my credit account. 
During the verification process the customer service rep ask me for my Social Security number. She said that she needed the full social security number. I hesitated but she said she is with the fraud department and requires that I give her my social security number. 

I gave her my social security number and my Credit card information. SHe reversed the denial on my credit card and transaction went through. Later, I called back TD bank because of my anxiety with her demanding my full Social Security number. When I spoke with the customer service rep she stated that TD Bank 's policy is to ask for the last 4 digits of the social security number and she didn't see any notes on the account regarding my previous phone call to the fraud department.. Now I very upset over this and she said TD Bank will have a supervisor contact me. Several days later a supervisor called me, however she said there isn't much she can do because there are no notes on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: IL
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:
The XXXX XXXX initially stated this account was paid and also was closed. Information is true yet still hasn't been removed from my report. Section 611 ( a ) states that failure to investigate items by CRA within 30 days must be removed if presume to be inaccurate. This has been over 30 days and I will like this to be Deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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.

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 inructions 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 2022-09-25
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
A paypal account was opened back in XXXX - I have tried to have this account closed since XX/XX/XXXX, but they refuse to close and delete my information. First they wanted me to updated my new contact phone number and address ; thus said it takes XXXX hours for the database to reflect the current information. Its been a week and they still refuse to close an account that was never used, but they keep sending unwanted solicitation emails weekly to my XXXX email.

Company response to consumer: Closed with non-monetary relief