BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: Experian Information Solutions 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:
XXXX ( XXXX ) is in violation of several laws that are allotted to me by the FCRA ; 15 USC 1681i ( 5 ) ( A ), 15 USC 1681 B, 15 USC 1681 C-1, 15 USC 1681 C-2. Experian, XXXX, XXXX did not have my written consent to furnish any information on my credit report. Since you did not have my written consent to furnish any information on my credit report according to the FRCA it is constituted as identity theft. Since this late payment is on my credit report as a result of identity theft it must be taken off of my credit file. Moreover, when you guys closed the account you did not send my statements to my address. Since I was not getting my paper statements i was unaware of the due date causing me to fall behind on the payments. Moreover, on XX/XX/XXXX, I called XXXX and they notified me that XXXX only reports 60 days late and the representative went ahead and reverse the late fees and the interest payments and told me that since she did the reversal the monthly payment was satisfied and i did not have to make a payment. On XX/XX/XXXX I checked my credit report and i have a 30 day late payment on my experian profile. If i knew that i was going to be reported as 30 days late i would have made a payment on the 7th when i called in. The calls are recorded and monitored and you guys can go back and check that conservation that i had with that representative. Due to the misleading and false information that i got from a trained employee at your company, i have a late payment on my credit report. Also, on XX/XX/XXXX i spoke to XXXX, who was rude unprofessional and disgusting. He constantly hung up on me and even blocked my number from calling in when i wanted to speak to a XXXX. XXXX closes at XXXX XXXX CST and XXXX took it upon himself to cut off the phones to the customer service line at XXXX CST. I was unable to call in and speak to a manager to get my concerns addressed.

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 2023-10-12
Company: TransferWise Ltd
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I transferred {$50.00} USD from my XXXX XXXX  account to a Wise account that I created. The domestic wire transfer was completed by XXXX on XX/XX/2023. I sent Wise a domestic wire receipt that was sent to me by XXXX bank, as well as screenshots of my transaction history ; these documents contained the XXXX  Reference Number, the XXXX confirmation number, and the XXXX tracking number, as well as the amount sent, the details of Wise 's bank information ( Account # : XXXX, Name : Wise US Inc , Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Bank name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX ). But they still claim to be unable to locate the money. I don't believe they are sincerely looking into the matter, because they respond to my emails with incorrect details ( example. They thought that I made the money transfer by card, when I have written multiple times that I made a transfer and provided the transfer receipt ). I am thankful that I did not send them more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: DISCOVER BANK
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Discover Card called me on XX/XX/XXXX  at XXXX XXXX  XXXX. I voiced my concern to the representative and he disregarded my comment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed XXXX XXXX XXXX and XXXX on the debt. In 2022 I paid off the sold debt to XXXX XXXX XXXX.. I received a hit against my credit from a new company for the same debt this morning from Radius Global Solutions. I did not receive any correspondence from Radius Global Solutions to discuss or review this 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 explanation
Consumer complaint received 2023-10-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
hi good afternoon, I am VERY CONFUSED with what is going on with a letter i received stating that I owe money to TD Bank as of XX/XX/XXXX. Then having all my funds removed from my account this morning. I had my card switched out several times due to fraudulent activity and therefore was forced to change my pin, XXXX card, and had my savings account also closed off by the bank. I recently re started up a new saving account with less than XXXX in it. In late XX/XX/XXXX I was sent several fraud checks from an unknown source all in sum of XXXX XXXXXXXX. I ignored the checks as I can see they were fake and not sure how my name was put on them with my specific bank, however I DID report it to the bank source it came from XXXX XXXX  XXXX. As well as my bank and kept the copies. Later on during the months per usual i would check my account here and there to check my balance, and noticed that i had a amount in the total of XXXX  posted to my account and then taken out. I was very concerned and confused, so i contacted Td and made them aware of the incident. They said they would look into it, and give me a call back. So i let them to do their job a XXXX months later i noticed the account closed off so me not knowing anything i assumed they closed it off being that it was a solved closed case with no need for me to call them again as they said theyd call me back. No one ever called and told me ANYTHING about a debt collection for this account or about it being in a negative till my account with little than barely anything in it was cleared today leaving my remaining balance at XXXX in both XXXX XXXX XXXX I would like to re-dispute these charges once again as fraudulent activity as i am being told when speaking to a representative that it was never reported as fraudulent which i find crazy, if i did speak to a td representative about it prior to it happening. It was not i whom deposited and removed the money if it were id fully understand that it is my responsibility to pay it back, however it was not my doing, so i dont know why i am responsible to pay it back when i thought it was a closed case i notified the bank about. Also fighting to get my little bit of money i barely have in living cost refunded to me. I have attached the proofs in this email. Please let me know if their is anything else you need me to provide as i can not afford this money deduction that i already dont have in my account taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2023, I applied for the American Express XXXXXXXX XXXX  card. During the application process, I did not receive any pop-up window or notification indicating that I did not qualify for the XXXX welcome bonus points. 

However, when I contacted American Express customer support on XX/XX/2023, I was informed that I am not eligible for the XXXX welcome bonus points. This discrepancy between the initial application process and the information provided by customer support has left me feeling misled and frustrated. 

I believe I meet the eligibility criteria for the XXXX welcome bonus points, as outlined in the terms and conditions for the American Express XXXX credit card. I have maintained a good credit history, met the spending requirements, and fulfilled all other stated conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card
Sub-product: Store credit 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:
Target has tried to deny this dispute despite the fact that on the recorded calls -- I was informed that a check would be mailed to the address on file once the payments have cleared. For this reason I disposed of the prepaid cards which DO NOT accept refunds. In other words, Target went out of their way to send money back to prepaid cards that can not accept credit after the initial load.

The issuing bank can not help as this is not their problem, but rather the issue that Target caused. I was misinformed and misled on several occasions and checked the mail daily for a check. I was told months later that the funds were returned to prepaid debit cards. 

If Target does not send a check for the balance of {$22000.00} to the address on file, I will have no choice but to move forward with litigation.

In early 2022, I opened a Target Redcard Credit Card. I was given a credit line that was insufficient for my needs and was told that if I prepaid ahead of charges I would a ) be able to spend more, and b ) would accelerate and increase the likelihood of recieving automatic credit line increases. I made a payment in-store via prepaid debit cards that do not allow credits after activation. My last payment was made in XXXX of XXXX  totaling {$22000.00} -- XXXX payments in the amount of {$490.00} per prepaid debit card. The payment was made in-store. Not long after Target called me and informed me that my account was closed for excessive payments, despite the phone rep telling me that it was an approved method for increasing spending power and was viewed as a positive action by the bank. They informed me that they would be refunding the credit balance on the account via a check to the mailing address on file. The prepaid debit cards have been disposed of and they do not accept credits after the initial activation. Months after the incident Target informed me that they decided to return the payments to the original payment method despite them having to go out of the way to do this and process XXXX individual refunds. This is inconsistent with standard practice, both for Target and for the industry standard. After the funds have cleared and the hold period has elapsed, a check is typically issued to the address on file. Target refuses to correct their mistake and says that I need to call the prepaid debit issuer. Target went out of their way to cause this issue, will not even provide proof that the funds were sent, and will not issue the check they had promised to issue as of Saturday XX/XX/2022. The reps claim that this is standard practice in instances where they refund a credit balance on the account, however that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3 credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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 explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are fraudulent accounts and inquiries on my report as this is impacting me on a daily basis. As I seen on the internet and the laws state that all information on credit report must be 100 % accurate. Please fully investigate these accounts and remove from my credit report due to unauthorized information that is being reported inaccurately. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-10-07
Company: Duvera Billing Services, LLC
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I went to XXXX for car repairs and couldn't afford it, so I was told it would be {$600.00} to pay off and that XXXX  ( the lender ) would take out {$50.00} every other week when I get paid. This started back in XXXX of XXXX. I was never told about the outrageous interest rate that is XXXX XXXX which goes far above the max of XXXX XXXX interest rate in XXXX I've been paying for almost 7 months now and they're showing I still owe around {$500.00}. When I did the math of what I've already paid, it's {$750.00}. This is unacceptable and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting 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:
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 explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear XXXX XXXX/TRANSUNION/XXXX  I am writing to dispute the XXXX XXXX  account ( Account number : XXXX ) that is listed on my TransUnion credit report. Upon reviewing the information provided, I do not recognize this account, nor have I ever had any dealings with XXXX XXXX 

I am concerned that the reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of 15 US C 1681 section 604 A Section 2, 15 USC 1681 Section 602, and 15 US code 5 1681b. 

I request that this account be removed from my credit report based on the following CFPB guidelines : Inaccurate Information ( CFPB XXXX Bulletin ) The account information provided is inaccurate, and I am disputing this account as I do not recognize it. The creditor has not provided any proof of my consent or authorization to open this account. Therefore, I request the removal of this account from my credit report. 

Failure to Verify Information ( CFPB XXXX Supervisory Highlights ) The creditor has failed to verify any information about this account despite my repeated attempts to request information. The information listed is not only inaccurate but it is also incomplete. As such, I request that this account be removed from my credit report. 

Deceptive or Unfair Practices ( CFPB XXXX Annual Report ) The information provided by XXXX XXXX  is deceptive and unfair as it has negatively impacted my credit score. I have not received any correspondence from this creditor or any notification of any outstanding debt owed. As such, I request that this account be removed from my credit report. 

In accordance with the FCRA and CFPB guidelines, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report. I expect your prompt response within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA Account Number : 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 2023-10-12
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, 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:
Dear XXXX XXXX/EQUIFAX I am writing to dispute the XXXX XXXX account ( Account number : XXXX ) that is listed on my XXXX credit report. Upon reviewing the information provided, I do not recognize this account, nor have I ever had any dealings with XXXX XXXX. 

I am concerned that the reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of 15 US C 1681 section 604 A Section 2, 15 USC 1681 Section 602, and 15 US code 5 1681b.

I request that this account be removed from my credit report based on the following CFPB guidelines : Inaccurate Information ( CFPB XXXX Bulletin ) The account information provided is inaccurate, and I am disputing this account as I do not recognize it. The creditor has not provided any proof of my consent or authorization to open this account. Therefore, I request the removal of this account from my credit report. 

Failure to Verify Information ( CFPB XXXX Supervisory Highlights ) The creditor has failed to verify any information about this account despite my repeated attempts to request information. The information listed is not only inaccurate but it is also incomplete. As such, I request that this account be removed from my credit report. 

Deceptive or Unfair Practices ( CFPB XXXX Annual Report ) The information provided by XXXX XXXX is deceptive and unfair as it has negatively impacted my credit score. I have not received any correspondence from this creditor or any notification of any outstanding debt owed. As such, I request that this account be removed from my credit report. 

In accordance with the FCRA and CFPB guidelines, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report. I expect your prompt response within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I sent a disputed through XXXX and Transunion and about hard inquires. Somebody tried to receive a vehicle in my name and also more inquires in there Idont recognize. credit inquiries on my credit file and they want take it off. I was a victim of fraud credit inquiry problem. My name is XXXX XXXX my date of birth is XXXX And my social 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 2023-10-12
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 


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 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