BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited XXXX in my account with TD bank on XXXX XXXX  at XXXX XXXX XXXX Which is a TD Bank Branch . On XXXX XXXX  my account went into a negative for XXXX stating that the owe TD Bank this even though I have 4 receipts from TD Bank ATM machines. They have continually declined my claims, Stating that the money I deposited was not counted for. This is my first experience TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA. attempted to collect a medical debt for a person with my same name and birth date ( this person does exist ). The alleged debt is for a XXXX XXXX  in California. I am a XXXX XXXX  in Georgia. I was over XXXX miles away on the date of service. He was shot. I have no gun wounds ( EVER ). I wrote letters ( certified ) and made phone calls. Reported Identity theft to local PD, IRS and SSA. I called and XXXX said it was resolved. 

In XX/XX/XXXX I received a letter from Phoenix Financial, XXXX XXXX XXXX, XXXX XXXX, XXXX, Illinois, again attempting to collect this debt on behalf of XXXX XXXX XXXX XXXX XXXX. I called XXXX they said the debt had been canceled yet here I am again fighting them. I have sent multiple certified letters to Pheonix requesting they retain any and all communications/records regarding this matter as I intend to sue them for my time and expense. which at this point is approximately {$3100.00}. I have called them multiple times ( written notes ). I have 5 years of correspondence on file. 

They have failed to respond. I am retaining an attorney, and will proceed with filing complaints with my State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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 Reporting Act, 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 XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A, states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, states a consumer reporting agency can not furnish an account without my written 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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:
From XXXX too XXXX During the pandemic I was XXXX XXXX XXXX XXXX XXXX on two occasions during these XXXX I was the victim of identity theft through a stolen phone that was used too obtain my personal information I filed a police report yet I still have 12 accounts that are fraudulent and opened without my consent and I would appreciate your cooperation in removing these items from my credit reports becuase they go against my consumer rights to have true and accurate information in my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
From XXXX too XXXX During the pandemic I was XXXX XXXX XXXX XXXX XXXX on two occasions during these XXXX I was the victim of identity theft through a stolen phone that was used too obtain my personal information I filed a police report yet I still have 12 accounts that are fraudulent and opened without my consent and I would appreciate your cooperation in removing these items from my credit reports becuase they go against my consumer rights to have true and accurate information in my reports

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 2023-04-21
Company: EQUIFAX, INC.
State: OH
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:
My XXXX  XXXX account on my credit file is showing that its been late in XX/XX/XXXX more then 90 days and in XXXX XXXX XXXX 120 days. It is also being reported on my credit file that in XXXX XXXX XXXX I was late 30 Days and in XXXX XXXX XXXX I was late 60 days. This account is listed as being late I have never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, 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:
My name is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: KY
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 ( account # XXXX XXXX XXXX XXXX  ) ( account # XXXX ) has violated my rights. 

15.U.S.C 1682 section 602 A. states I have the right to privacy.

15 U.S.C 1682 section 604 A section 2 : 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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Ive been filling disputes of these issues since XXXX. Nothing has been resolved.

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 2023-04-21
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: Reporting company used your report improperly

Complaint:
Multiple charge offs are being reported on my credit. XXXX XXXX Acct : XXXX {$25000.00} XXXX XXXX XXXX {$22000.00} XXXX : XXXX {$22000.00} According to The IRS : You must report the canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! By definition, the IRS clearly says a canceled debt or charge-off is income. The reporting of these accounts as debt are inaccurate. 

They are violating my rights under 15 USC 1681 s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681 section 602 A-states have the right to privacy 15 USC 1681 a Section 2-Definitions ; rules of construction/Exclusions 15 USC 1681b-Permissible purposes of consumer reports Company 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: W&A Intermediate Co., LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back in XXXX the medical bills was open according to my health insurance company I also got cut off XXXX on myXXXX birthday like XXXX  years ago due to not reapplying that I wasnt aware of cause my mom was incharge of my information if I knew are was alerted I would have got on top of it so that I wouldnt have to go through this situation so I called the people who billing/reporting it to my credit which is WAKEFIELD & ASSOCIATES . I ask is they can waive the fee for me due to my situation in they choose not to work with me. So I decided to file a complaint with CFPB And I also filed a dispute on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-10
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$150.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXX THE BANK OF MISSOURI ) XXXX Balance : {$740.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/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 2023-03-04
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:
I sent a letter on XXXX  to remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX  Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the items UNKNOWN to me XXXX you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX  Owed : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Owed : {$3000.00} XXXX XXXX XXXX  Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Owed : {$0.00}, XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Inquiries included in dispute : XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/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 2023-04-21
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below las violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # Ending in XXXX, XXXX XXXX Account # XXXX, XXXX, Account # Ending in XXXX, has violated my rights. 

In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 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 rep agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency mu make any consumer report containing any of the following items of information Any other adverse item of information, other than records convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Last year I began receiving notices from Truist Bank about a delinquent account that I did not open. The statements stated that my account was overdrawn by over {$10000.00}. Id reached out to Truist Bank and informed the representative that I spoke with that it was a fraudulent account and I was told the account had been closed and that it was being reported to credit agencies that it was fraudulent. To date, I am STILL currently receiving notices from Truist bank about this account and the account is still accruing debt because of maintenance fees being charged to me by the bank. I've spoken to a number of individuals, and I don't understand why this matter is yet to be resolved. This is issue has greatly impacted my credit and I am still confused as to how someone else was allowed to open an account in my name with no verification of identity.

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 2023-04-21
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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:
INQUIRIES ON MY XXXX REPORT DO NOT HAVE AN ACCOUNT WITH THE COMPANY, NOR HAVE I APPLIED FOR CREDIT WITH THESE LENDERS. 

XXXX. XXXX XXXX XXXX DATED XX/XX/XXXX XXXX. PENTAGON FCU-XXXX DATED XX/XX/XXXX 2022

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 2023-04-21
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:
This dispute with XXXX has been ongoing since XX/XX/2022. It took extremely longer than 30 days for anything to be addressed which is the catalyst to why improper reporting even took place. After initiation of the dispute my account was closed. This created difficulty submitting requested docs via the portal and accessing their responses as XXXX suspends consumer online accounts as a result of account closures. I have proof that telephone correspondence was to no avail even after getting multiple XXXX 's representatives recorded, admitting to the dispute mishandling and promising to correct the inaccurate reporting, no accountability has been taken. XXXX refuses to stand behind a multitude of their trained staff. 

As of recent, the XXXX XXXX XXXX XXXX XXXX has been handling this matter. They have sent out two notices. One admitting that they feel the XXXX host still deserves the right to be paid despite illegally recording, my family of XXXX including XXXX minor children in the XXXX, which is against XXXX and Fair Housing policies. They also sent out a second letter acknowledging that I was led to believe corrections would be made to the account that they now refuse to honor. 

They only thing they've honored is removing the late fees from XXXX XXXX. However, if you deem that the late fees should be reversed due to the account being in dispute this whole time, why don't you agree that my credit report ( which has a way larger impact ) shouldn't reflect the same? 

Instead, they are sharing inaccurate information that is no longer reflecting on their side and I DO NOT CONSENT TO THAT INFORMATION BEING SHARED. They keep adding remarks to my credit report without my request when everything should be removed. They are aware of the multiple recordings that I have from XXXX, XXXX, XXXX, XXXX, XXXX, etc that all have said that my account should not be in that status during dispute and the negative reporting should not have been made. Yet, they will act as-if they are doing the consumer a favor by reversing fees that shouldn't have been imposed while their life is falling apart due to inaccurate and unfair credit reporting. 

I will be pursing XXXX for the damages their actions alone have caused as many other creditors have retaliated as a result of their claims despite my due diligences and efforts.

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 2023-04-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent inquiries reporting on my 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 2023-02-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had booked a trip with a travel agency ( XXXX ) for a hot air balloon ride in XXXX. The trip cost included- 1. Pick up and drop to the hotel. They would pick us up from our hotel, take us to the balloon ride spot and then drop us to our hotel 2. One hour balloon ride The trip operator did not pick us up or drop us from the hotel. Instead we had to arrange our own ground transportation.

The balloon ride lasted 25 mins instead of the 1 hour advertised. 

I tried to resolve this with my credit card company ( AMEX, with which I had booked the trip ) and with the tour agency but my request for refund was rejected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: Netspend Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
This is my 6th incident... I had my direct deposit going to Netspend... I got a new card on XX/XX/2023. I checked my card there was a charge on XXXX for {$130.00} to XXXX XXXX made that I did not do.. Then i got a new card on XXXX ... this is card 6 ... I have called several times to XXXX where I have no account with them they can't find me nowhere in there system they won't talk to me any more without a court order I have called Netspend all i get is they are looking onto it every time I call they give me another date for a update Now they say I have to wait till XXXX for a answer to weather or not I'll even get my money back

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