BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX CO XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX  XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX  XX/XX/2022 XXXX/XXXX XX/XX/2022 XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$520.00}

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 2021-10-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian is refusing to remove inaccurate unverified information. After XXXX their 3rd party vendor removed and inaccurate information. I provided the supporting documents to experian from XXXX. 
Accounts 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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my 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 explanation
Consumer complaint received 2020-06-11
Company: MoneyLion Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was opened fraudulently in my name. It was disputed buy all 3 credit reports and moneylion removed the account from two of my accounts the re-entered an update the fragile information on my XXXX  report. I haave provided police reports and fraud Affidavits and the account is still reported. I have made several attempts to contact them but I am hung up on every time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The following unauthorized charges were denied by the bank. They said I waited too long to file a claim XXXX {$270.00}. To : XXXX XXXX. XX/XX/21 {$100.00} To : XXXX XXXX XXXX. XXXX. {$75.00}. To : XXXX XXXX XXXX. XX/XX/21. {$300.00}. To : XXXX XXXX XXXX. XX/XX/21. {$11.00}. To : XXXX XXXX XXXX. XX/XX/21. {$110.00}. To : XXXX XXXX XXXX. XX/XX/21. {$50.00} To : XXXX XXXX XXXX. XX/XX/21. {$240.00}. To : XXXX XXXX XXXX. XX/XX/21. {$570.00}. To : XXXX XXXX. XX/XX/21. {$280.00}. To : Snap travel XXXX. XX/XX/21. {$230.00}. To : XXXX XXXX XXXX. XX/XX/21. {$500.00}. To : XXXX XXXX XXXX. XX/XX/21. {$500.00}. To : XXXX XXXX XXXX. XX/XX/21. {$240.00}. To : XXXX XXXX {$3600.00} I provided all info they requested including a police report.

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 2022-05-16
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX XXXX is furnishing. 

ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN DATE OPENED-DATES DIFFER FROM XXXX, XXXX XXXX EQUIFAX HIGH CREDIT- AMOUNTS DIFFER FROM XXXX, XXXX & EQUIFAX PAST DUE- SHOWS BALANCE- WHEN ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, XXXX & EQUIFAX DATE LAST ACTIVE- DATES DIFFER FROM XXXX, XXXX & EQUIFAX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX, XXXX & EQUIFAX PAYMENT HISTORY- HISTORY DIFFER XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX XXXX XXXX complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: CITIBANK, N.A.
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:
XX/XX/XXXX, I deposited XXXX dollars cash into the ATM Machine at Citibank. The money did not register and they said they had 10 days to investigate. This is wrong that is my money and I think if this happens they are supposed to pay me back double the money for this aggravation. Seeing that it is XXXX time and this has thrown my life off balance something has to be done on this.

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 2018-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attached 3 documents. 

One showing the amount XXXX charged me, {$82.00} TWO showing PROOF from my bank that total amont was paid on XX/XX/XXXX I called XXXX, they said they would put a temporary credit on my account for the amount while they researched it. 

I sent bank proof, they send a second notice saying that I owed two late payments and extra interest and fees on a debt I have proof was IN FULL on XX/XX/XXXX They have since contacted the credit agencies and my credit has been effected on a debt I do not owe as it was PAID IN FULL on XX/XX/XXXX 2019

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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There's a fraud alert placed on my credit report. At the time, I didn't recognize any fraud reported so I requested that the credit bureau remove the fraud alert. They gave me grief and continued to say they would remove it yet they have failed to do so. I've been calling and writing letters to remove the fraud alert for the past couple of months. 

I figured that since they have failed to comply with removing the fraud alert per my request, that I would request that they add my phone number so that way if I do apply for credit then the company could call me and I could verify my identity. They have still failed to even do this. 

I'm in the process of trying to purchase a vehicle and this is the only thing holding me up. The dealership runs my credit every couple of days as the credit bureau said it would take 24-48 hours to update on my credit report, yet it still hasn't. 

At this point, this has gone on far too long. I need help and assistance to get the fraud alert removed from my credit report.

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 2017-05-20
Company: Ditech Financial LLC
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed  Chapter   XXXX  Bankruptcy in  XXXX    XXXX   on a home mortgage and the credit report reads a outstanding interest accrued amount instead of a status of discharged through chapter  XXXX  bankruptcy.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I opened a checking and savings account in XXXX 2015. I received a letter from TD Bank on XXXX XXXX, 2015 stating that my checking account was overdrawn. After logging on to the account to see what had happened, I could tell that for three months ( since XXXX ) TD Bank had been charging me maintenance and overdraft fees to the tune of {$35.00} a month, causing my account to go negative and then further negative each month. All without contacting me or alerting me before charging these fees. The first notice I received was by mail with a letter dated XXXX XXXX, 2015. My savings account, opened on the same day and linked to the checking account, had hundreds of dollars in it, enough to cover any issues with the checking account. The account representatives that I spoke to tonight told me there was a minimum balance and therefore there was a charge of {$15.00} each month and once those maintenance fees were charged, they added an overdrawn fee on top of that because TD Bank had overdrawn my account. I do n't remember agreeing to this minimum balance, nor do I use this account very often, so it is not unusual that I would not have noticed the fees piling up for three months. The supervisor on duty agreed to waive two months worth of fees but would not agree to waive all of the charges. This is a fraudulent practice because once the account dips below the minimum the maintenance and overdraw fees add up quickly to force a negative balance and removing the rest of the money from your account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
About 4 1/2 to 5 years ago this XXXX lady went to XXXX dealership to buy a car and trade her van in on it and when she did n't get the vehicle she wanted they hid her van and sold her a car she did n't want for XXXX some odd dollars she took the XXXX because they refussed to give her van back that was wrong and now they are over charging her for this XXXX that XXXX said was paid off so later they repossessed the XXXX and charged her towing fees and more payments in order for her to get the car back. She once had XXXX dollars in her account at XXXX XXXX and now she has nothing because TD Finance Bank just continuing to charge her more and more money and I think that TD Finance owes her XXXX XXXX dollars plus back for upsetting her and over charging her and stressing her out. Please end this war with TD Finance Bank and Stop them for over charging everyone that is doing business with them!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
1. I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information CAPITAL ONE is furnishing. 


ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL -ACCOUNT DIFFER FROM XXXX, XXXX & XXXX DATE OPENED-DATES DIFFER FROM XXXX, XXXX & XXXX BALANCE- AMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX, XXXX & XXXX CREDIT LIMIT- AMOUNT DIFFER FROM XXXX, XXXX & XXXX PAST DUE- XXXXMOUNT SHOWN AFTER ACCOUNT WAS CHARGEOFF LAST REPORTED- DATES DIFFER FROM XXXX, XXXX & XXXX DATE LAST ACTIVE- DATES DIFFER FROM XXXX, XXXX & XXXX DATE OF LAST PAYMENT- DATES DIFFER FROM XXXX, XXXX & XXXX PAYMENT HISTORY- DIFFER FROM XXXX, XXXX & XXXX CAPITAL ONE was required to notify me XXXXater than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that CAPITAL ONE complied with this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Altisource Portfolio Solutions, S.à r.l.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Nationwide Credit , Inc. continues to call my place of employment where I am not able to receive calls.

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 2015-05-26
Company: Altisource Portfolio Solutions, S.à r.l.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in a short sale. XXXX is the XXXX, and XXXX is the XXXX, being serviced by NCI ( Nationwide Credit ). XXXX is allowing a payout of 10 % of the purchase price to the XXXX, and not only is NCI demanding 20 %, they are saying that the value as determined by XXXX is too low and they are trying to make my agent COUNTER the XXXX back to RAISE the offer price. Why are they doing this? My agent is stuck and now tells me I will go to foreclosure because the XXXX wo n't follow any of the standards of practice with short sales. The payoff to the XXXX has NOTHING to do with the value of the property, and my agent has escalated this directly to XXXX and asked that they oversee what 's going on at NCI. They say they can not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Inaccurate information reporting on credit. Inaccurate name, Date of Birth, jobs, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible. XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: PA
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 Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX. USDOE/XXXX  Account # XXXX. XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
to whom it concern there was a {$65.00} transaction on cash app someone had cash app someone and it came into my account the individual ask for the money to be refunded after they realize that they had cash app the wrong person I reported it to cash app and they told me what to do and that did not work so I reach back out to them and the rep was very unprofessional and very rude and then hung up the phone on me. I want this person to be refunded back there money so so they can send it to the person it was intended for..I pray and hope that you can help me solve this issue I've been there before and I know what it feels like to lose your money.. thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible. XXXX {$1000.00}

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 2015-12-08
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am writing to inform you of my suspicion that TD Bank is using fraudulent/ deceptive business practices which allows them to collect nsf fees that are not rightfully owed. I 've tried to discuss this issue with TD bank several times and they are not willing to discuss this matter. I always check my account before I go to sleep and wake up the next morning. Yesterday I looked at my account and it said I was {$33.00} overdrawn as a result of a XXXX purchase I am on installment payments for. I screenshot the page. This was around XXXX. TD 's policy is that you will not be charged a fee if you deposit the negative funds the day the transaction is made. I deposited {$40.00} in my account on XXXX/XXXX/15 and had a {$3.00} balance after the XXXX purchase posted. Sometime during the overnight of XXXX, TD bank went into my account and changed the transaction date to show that the XXXX purchase was presented for payment on XXXX, which is a banking holiday as no transactions post on Sundays. In my screenshot, you will clearly see that the {$40.00} deposit was made the same date of the XXXX transaction. This morning I checked my account saw that Gas was presented for payment and that I was {$8.00} overdrawn. When I checked my account at lunch time on XXXX before going to the bank, TD bank changed the date of that transaction and charged me a total of XXXX overdraft fees. I am certain that TD bank is changing the dates payments are posted during the overnight while bank customers are sleeping so that they can charge NSF fees. By my estimations, I have spend over {$1000.00} in 2015 for this reason alone. I explained to the customer service rep that I did not overdraw my account and relied on my bank records to be accurate and I was basically called a liar in so many words. Please assist me as I am certain that there are many other customers who can not afford to continue giving a XXXX dollar industry more money as a result of their fraudulent practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I took a look at my credit report I saw a few fraudulent accounts on my report. I have been trying to remove them but I was unable to remove them. Please help me remove the 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