BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: Experian Information Solutions Inc.
State: CT
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:
Be advised this is not a refusal to pay, but that the claim is validated. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe you XXXX Retail # XXXX. NOT who they have paid for debt as a third party. I am requesting proof that I am indeed the party they are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices help me with competent evidence that I have any legal obligation to XXXX XXXX. Please validate that this debt belongs to me and please also show me the original contract with XXXX XXXX. 
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, Experian, XXXX ), this action might constitute fraud under both federal and state laws.

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 2022-08-16
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: LA
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 U.S Dept of EdXXXX Account # XXXX AND ACCOUNT # XXXXXXXX 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 Depted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you

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 2022-03-26
Company: TransferWise Ltd
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
XX/XX/2022 - I sent an international transfer of {$1000.00} through XXXX website to XXXX to a family friend to cover unexpected medical expenses and in the reference field i had written " from XXXX ''. 
XX/XX/XXXX and XXXX of 2022 - I received an email from XXXX asking for additional information : A detailed purpose for this transfer ; my relationship with the recipient ; and what. " XXXX '' refers to the reference field. 
XX/XX/2022 - I answered the questions and in particular disclosed that XXXX is my wife. 
XX/XX/2022 - I received an email from XXXX asking for Full name, date of birth ( dd/mm/yyyy ) and place of birth of my wife XXXX XX/XX/2022 XXXX I called Wise support to find out why Wise needs my wife 's personal information. XXXX answer was that this is a regulatory requirement. 
XX/XX/2022 - XXXX wrote and said that they will reject the payment if they don't have my wife 's personal data. 
XX/XX/2022 - I replied and mentioned that the fund was already in the recipient account and that it was withdrawn and inquired as to what would happen if I go the route of cancelling the transaction. I also asked for the following information : May I please know which regulatory body is requesting this information. Is this a US regulatory request or is it the XXXX  governing request? Can I please get the text of the regulation where it states that information related to relatives of the sender of the transaction is required? May I also please know what constitutes the " detailed purpose of this transaction ''? 
XX/XX/XXXX XXXX I received an email from XXXX XXXX again with a boilerplate template answer that they need the information due to regulatory requirements and they just sent me a link to the user agreement. XXXX failed to answer any of my questions specifically as to why XXXX was requesting my wife 's personal data. Furthermore, XXXX threatened to close my account. 
XX/XX/XXXX XXXX I replied to XXXX XXXX the information they requested. Since I had done business with XXXX for many years and had all my contacts established in application, I did not want my account to be closed by XXXX. I was hence forced to give up my wife 's personal data. I requested XXXX for the contact information of someone in the chain of management and corporate office address to escalate my grievance. 
XX/XX/XXXX XXXX I received a message from XXXX XXXX that the matter is resolved. XXXX however again failed to provide any specifics as to why they required my wife 's personal data except by providing the same generic answer that they under regulatory requirements to do. XXXX did not provide me with the regulatory statute enabling them to cast such a wide net of collecting personal information of relatives of an account holder. XXXX did not provide me any escalation point for this matter ( i.e. someone in management chain or corporate office contact )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX  '' Acct # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I left my wallet at a friends house and when I retrieved it later that night I found about XXXX-XXXX dollars missing from the card, he swore he was going to return it to me but now he wo n't answer my text or 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 2020-03-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, Toyota Financial Services refused to send me itemization of charges assessed with original bills to my XXXX XXXX XXXX car loan. Those erroneous charges are {$2100.00} ( unknown )  and {$250.00} ( unknown ). I want the original bills for proof. 
Otherwise, the charges must be removed by law. 
I want the original bills. 
Next, On XX/XX/XXXX, I cancelled GAP for {$1000.00} and Warranty for  {$3200.00} back to XX/XX/XXXX on XX/XX/XXXX. Non usuage of products and with in 30 days. 
TFS charged me interest from XX/XX/XXXX to XX/XX/XXXX. 
I was told I can cancel these and no interest would be charged and credited back to my account for I never used these junk fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
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 fair credit act.the following accounts have violated my nrights. 

1 ) XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXX  account # XXXX 15 u.s.c 1681 section 602 a. states i have the right of privacy.

15 u.sc 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open and 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 2020-03-17
Company: EQUIFAX, INC.
State: NC
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 recently lost my wallet and had my identity stolen and i contacted the proper authorities. In addition to having my identity stolen i also had my personal information exposed in several datat breaches including the XXXX data breach, the equifax data breach and the XXXX  data breach. After obtaining a copy of my credit report months ago and noticing fraudulent accounts opened in my name, i have tried contacting and disputing the fraudulent accounts but have received no action. I have been severely impacted due to these unfortunate events.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Financial Corporation of America
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   -2017 To  whom it may concern : I would like to file a complaint against Financial Corporation of America, this collection agency has been harassing me for medical bills that I do not owe to   XXXX   XXXX    XXXX  /   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX .     I have notified this collection agency more than once, that I do not owe any outstanding medical debt to   XXXX   XXXX  y  XXXX  /  XXXX   XXXX    XXXX   XXXX   XXXX , yet they continue to bill me, as well as call my telephone.     I have contacted my insurance companies regarding these debts, and they have never received any claims for any of these amounts.     What is going on is that I feel that I am purposely being targeted for harassment by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  because they have previously tried to bill me for fraudulent medical procedures that were not performed on me, as well as I was previously charged by them for self-administered medication that I could not have given to myself due to the fact that I was under  XXXX , as well as they previously billed my insurances for extended stay in the recovery room when that was not the truth.     I had contacted their administration regarding the fraudulent charges that they continue to bill me for since last year, and their administration did nothing, they were supposed to contact me back, and they never did.     So I have made a claim to  XXXX  for the fraudulent charges for the medical procedures that were never performed on me, and they are being investigated, and this is why  XXXX   XXXX   XXXX  /  XXXX   XXXX    XXXX   XXXX   XXXX  has been harassing me.     They have sent me bills in the past with several consecutive dates of service, as though I was in the hospital for several consecutive dates, when my stay at their hospital has always been   half a day and never for consecutive dates, and I have always gone home the same day after my procedures.
I owe none of the Fraudulent debts that   Financial Corporation of America is billing me for, and I want any derogatory information that they have placed on my credit files removed, and hard copy proof provided to me on their letterhead that this has been done.     I want Financial Corporation of America to cease and desist from contacting me, I have told them more than once that I do not owe these debts, yet they continue to harass me, and they are leaving me no choice, but to seek legal action against them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an account in collections  that was opened on my credit report this month. The account is listed as " Commercial AcceptanceCompany '' and  says the account was opened on  XXXX / XXXX / 17  with a balance of {$1900.00}. I 've left multiple messages at the phone number  XXXX  but can never actually speak to a person and do not receive a call back. I did not open any accounts in  XXXX  of this year and have absolutely no more information on the 'debt ' which I believe is a fraud ulent one. I am frustrated and do not know how to proceed. My credit score has dropped significantly due to this.  What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account XXXX : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX  Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$8800.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 3. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$210.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form 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 non-monetary relief
Consumer complaint received 2020-03-17
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:
Experian Credit report company unauthorized freeze on my online account not allowing me to communicate online put Unauthorized statement on my account Will not delete information 8 to 20 years old report information as old 1998

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 2015-10-01
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the past 3 years, my mortgage company has been paying {$860.00} per year out of my escrow accounts towards what they 've been refering to as a " water tax '' or a " water/sewer assessment ''. I 've attempted more than once to get clarification on what they 're paying and every time they basically blow me off and tell me to get the information from my tax assessor. My local tax assessor 's office as well as the water company had advised me this tax does n't exist and they had no idea what my mortgage company was paying. For the past 2 years my home was being renovated and unoccupied, so I did n't have garbage service. This is my first year having garbage service and receiving a bill ... .for {$860.00}. A normal yearly garbage bill for a single family residence is {$430.00}, however the city was incorrectly billing my home as a duplex. When I received the bill and saw the amount, I realized that my mortgage company has been paying a garbage bill for the past 2 years that I should not have been getting billed for. Furthermore, they had no business paying for a utility out of my escrow account. My escrow account does not cover any of the other utilities for my home. Had they appropriately labled what they were issuing a payment for or been willing to provide me with any information on the payment, I could have dispute the charges with the city two years ago. As it stands, the city waste deparment has been overpaid {$2100.00} of my money. After speaking with the garbage department, they agreed that I should not have been billed for the past 2 years and did n't owe the money, but it 's unlikely I 'll be able to get a refund due to the amount of time that 's passed. I submitted a request via e-mail to my mortgage company almost a month ago for information on the payments they were making. I received a generic reply that they would respond within 10 days. I 've yet to receive a response. When I 've tried to speak with someone over the phone for the past 2 years, I 'm always told that the tax department ca n't be reached by phone, only fax or e-mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have attempted to ask for a settlement from the company, but the company refuses to settle. I have been unable to make payments, and today I received a collection call for the balance. The collector call my phone number, my work phone number, and other relatives. The person who called gave out personal information and left threatening messages like they were going to come to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: BARCLAYS BANK DELAWARE
State: CA
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:
I am on XXXX XXXX service with the United States XXXX XXXX. While on XXXX XXXX, I applied for the Barclays Luxury Card in XXXX. When I applied I was informed that due to my XXXX XXXX status, the card 's {$990.00} annual fee would be waived, as well as zero percent interest charges during the duration of my XXXX XXXX status. Barclays Luxury Card honored this " XXXX XXXX XXXX '' for only one year. Each year thus far, ( XXXX ) I have been charged a {$990.00} Annual Fee. There will also be another {$990.00} Annual Fee posting to my account in XXXX of XXXX. I have spoken with other colleagues that were grandfathered into the original " XXXX XXXX XXXX '' due to their ongoing XXXX XXXX status. 

Please see supporting Documents attached as well as links to news article concerning this matter below : Link to article XXXX XXXX XXXX XXXXXXXX

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
The credit bureaus are reporting two credit cards on my account. I did not give these company 's my social security number or permission to use and share my information. They have violated my rights as per 15 U.S. code 1681 ( a ).

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