BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-19
Company: TD BANK US HOLDING COMPANY
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sent a payment via TDBank bill pay of {$360.00} to XXXX XXXX XXXX  on XXXX XXXX, XXXX. I sent this payment to XXXX XXXX XXXX by mistake. I called XXXX XXXX XXXX about 2 weeks later to find out where the payment was when they received it. They said they did n't receive the payment but if they did in the future the funds would be placed into my savings account. That has n't happened as of XXXX XXXX. I called the TDBank to find out where the money was. On XXXX XXXX XXXX they sent me an email to call them so they could investigate this situation. The TDBank ( in NJ ) has a Confirmation # from their bill pay payment to XXXX XXXX of XXXX. Could you help me find out where the {$360.00} is so it can be returned to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

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 2018-10-24
Company: LEXISNEXIS
State: NV
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:
Lexisnexis removed bankruptcy from my credit file for XX/XX/2015 bk XXXX Al. XXXX  is stating when they verify with lexisnexis it shows accurate. I need them to communicate and get resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 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 602 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 2020-02-12
Company: Eagle Accounts Group, 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: Information belongs to someone else

Complaint:
I'm making this report regarding information that was wrongfully put on my credit report that I gave not authorization and had no knowledge of these fraudulent account I will like for these accounts to be removed. 

1.XXXX/XXXX XXXX  XXXX {$330.00} date open XX/XX/XXXX 2.XXXX/ XXXX  {$460.00} date open XX/XX/XXXX 3.XXXX XXXX XXXX $ XXXX date open XX/XX/XXXX account # 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 2020-02-12
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I'm making this report regarding information that was wrongfully put on my credit report that I gave not authorization and had no knowledge of these fraudulent account I will like for these accounts to be removed. 

1.Syncb/tjx co plcc {$330.00} date open XX/XX/XXXX 2.Syncb/ jcpenney {$460.00} date open XX/XX/XXXX 3.Child support enforcement $ XXXX date open XX/XX/XXXX account # 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 2020-02-12
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2020 my checking account was hacked at Navy Federal Credit Union. I reported the compromise XX/XX/2020 to the company that {$3800.00} was ACH transferred to another bank without my consent. Since the compromise the company will not answer my question or let me talk to anyone in the security department. In summary I am a victim of Identity theft and also bank fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
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 information incorrect

Complaint:
I have been disputing this account listed with XXXX XXXX for well over a year. During this time XXXX XXXX has been reporting a monthly charge off and a balance owed to them of {$450.00} when they have sold the account to a collection agency, XXXX XXXX XXXX. There should not be a balance on an account that has been sold to collection agency. The account balance should be {$0.00}.

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 2017-09-09
Company: EQUIFAX, INC.
State: CO
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
I have had [ 2 ] fraud events traced back to Equifax data breach ; both handled by my credit union 's fraud department Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MA
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:
The is in relation to the recent Equifax security breach in XXXX  2017.
My complaint includes the following items : 1. Equifax improperly used my personal credit information that allowed data leak 2. When attempting to check for the impact using https : //www.equifaxsecurity2017.com website they appear to be giving random answers, for example, I submitted the same information twice and once got " not affected '' answer and the other one resulted in " might have been affected '' answer. Both inquiries have been placed on XXXX XXXX, 2017.
3. Equifax failed to notify me about the breach ( even though they have my up to date contact information ) and I had to find out from news sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: PNC Bank N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The credit Card company ( PNC BANK ) has charged me a late fee because I paid my bill at XXXX XXXX  instead of XXXX XXXX on Saturday. They charge me XXXX dollars. This is very arbitrary because Saturdays are considered weekend and payments at XXXX XXXX eastern time versus payments at XXXX XXXX makes would not create any undue burden on the credit company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IN
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 have been member for XXXX and Equifax and now weird inquiries in my account and not feeling safe with my information with Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Abra
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Since XXXX of XXXX I have been having account transferring issues between my wallet and cryptocurrency. Ive sent well over 50 emails with pictures and screenshots to support my argument. The original issue started with two XX/XX/XXXX that they said were the cause of the issue. After a representative said they resolved the issue, almost year later, I continued to experience problems transferring from cryptocurrencies or myXX/XX/XXXX. I was highly concerned, because according to my calculations these were key times in the market for my transfers. More specifically, since XX/XX/XXXX I have had no luck transferring any money to or from cryptocurrencies or my XX/XX/XXXX, basically no access to do anything with my funded accounts. Many representatives have continued to respond with the same answers no matter how I rephrase the questions or how many times I reply : we are looking into it and will get back with you. I have made many desperation emails explaining my concerns with no resolution other than they are looking into it. This has been going on for 4 months now. Since I have not had access to my account I have lost thousandsof dollars ( approximately {$4000.00} thus far ) in the process and still do not have access to my account or XX/XX/XXXX. I believe this company has been deceptive to me as well as breached contract on many occasions. They still send me emails in regards to investment strategies with their company while I continue to struggle. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: WELLS FARGO & COMPANY
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:
On XX/XX/19 check # XXXX for {$430.00} was cashed from my account that was not authorized to be cashed. It's obviously fraudulent because the endorsement on the back is signed with my name rather than the company who was supposed to cash it. I contacted Wells Fargo about it and they had me fill out a form and get it notarized. I did both however never received any form of contact from them on what happened.

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 2017-09-09
Company: EQUIFAX, INC.
State: IA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am also extremely disappointed with how Equifax handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory and free for every account.. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it XXXX including me XXXX following this data breach. Requiring a police report is absurd when they clearly know you were affected. 

Secondly, free " temporary unfreezing '' or a reimbursement program should be set up, seeing as this will now be a burden on me and everyone affected for the rest of my life. 

Third, something should be done to " incentivize '' companies like these to to act appropriately in situations like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following identity theft report no. XXXX identifies the incorrect accounts. I did not consent to, authorize nor benefit from any of the following accounts. I am demanding that the following accounts be removed. 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 thereof exist. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have a debt that Trans Union is reporting on my credit report that is paid in full and closed. The original company is XXXX XXXX. I contacted XXXX and they send me an activities sheet showing my bill was paid in full. I've disputed it with the other credit reporting agency and they have removed but Trans Union has not. XXXX XXXX is the debt collector that is providing this false info. I have documents from XXXX that prove I owe nothing.

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 2020-02-12
Company: EQUIFAX, INC.
State: WI
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:
Disputed several times for verification of late payments from XXXX XXXX have not sent any proof to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have 6 hard inquiries that i have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I HAVE THE RIGHT AND I HAVE NOT WAIVED THEM ..... 

Pursuant to the Fair Credit Reporting Act, 602 ( a ) ( 4 ), right to privacy [ 15 U.S.C. 1681 ] and 604 ( a ) ( 2 ), credit reporting agency must not report without written instructions from consumer. [ 15 U.S.C. 1681b ]. 

The following companies listed below are violating my rights : [ XXXX ] = XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XXXX XXXX XXXX # : # # # # # XXXX XXXX. XXXX XX/XX/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.XX/XX/XXXX, XXXX # : XXXX XXXX. SC XXXX XXXX XXXX XXXX # : XXXX [ EXPERIAN 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. XX/XX/XXXX, XXXX # : XXXX XXXX.XX/XX/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
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IL
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: FIRST ADVANTAGE CORPORATION
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
First advantage ran a background/employment check on me and I learned that someone was arrested in XXXX XXXX XXXX XXXX TN and they used my information. Ive never been there in my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was a victim of a fraudulent transaction consisting of using the XXXX  platform on chase on XX/XX/2022. The amount was of two transactions of XXXX each or XXXX in total. I went to my bank and they said there was nothing they could do to solve this problem.

Company response to consumer: Closed with explanation