BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-30
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XX/XX/XXXX I struggled to make payments on this TD account due to financial hardship the pandemic has caused. After speaking with rep. XXXX, I told him I will make arrangements on this account in XX/XX/XXXX. 

On XX/XX/XXXX I enrolled in the Re-Age program on this account in which I was required to make 3 monthly payments of {$180.00}. First payment of {$180.00} was made on XX/XX/XXXX. Second payment was due in XXXX as the XXXX payment was applied to the month of XX/XX/XXXX. I made the second payment of {$180.00} on XX/XX/XXXX. When I made the third and final payment of {$180.00} on XX/XX/XXXX, the payment was accepted then subsequently rejected for missed due date. 

During the time this account was enrolled in the Re-Age program I was never given a specific due date, I was told the agreement began on XX/XX/XXXX and I was to make 2 subsequent monthly payments of {$180.00} in which I did. 

I dispute this negative reporting on my credit report as I acted in good faith and made the 3 monthly payments. I agreed with this creditor to make the payments to bring this account current to avoid charge-off reporting and to bring this account current. I am requesting an investigation into this predatory practice and behavior that TD Bank Cash Signature Visa has displayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I found inaccuracies on my report. 


XXXX Account # - XXXX XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
please i need help i been sending disputes and nothing has change i need this to be resolved. XXXX trying to buy a house and i have damages on my credit report and things in my credit report that is not mine. According to the law 15 USC 1681 there should not be any damage on your report this is a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: WELLS FARGO & COMPANY
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 dropped off my mortgage check from my XXXX  account in a XXXX XXXX XXXX in the beginning of XXXX and it must have been stolen because it was cashed XX/XX/XXXX and when i checked my online account the image of the check that was cashed was my check at a wells fargo but altered to show the payee name of XXXX XXXX and the memo was erased from the check. I called my bank ( XXXX  ) to report this check and a claim was open. I sent in the claim paperwork required and showed proof of my carbon copy which is the only check i would mail out. all the writing ion the checks is the same on my carbon copies, which is how the bank was able to agree that the check was altered. I've been waiting for wells fargo to respond to XXXX XXXX emails regarding my claim since XX/XX/XXXX, i was told it would be 60-90 days, then 120 days and now 5 months later, Wells Fargo has yet to respond to XXXX on the fraudulent check that was cashed out with an altered check. I was told by a rep at XXXX  that if wells fargo doesn't respond that there is no way to get my money back and that is devastating. I'd appreciate any help!

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 2022-12-15
Company: GOLDMAN SACHS BANK USA
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened an apple credit card issued by Goldman Sachs on XX/XX/2022. 
Ive been using my card everyday since as I am a big fan of the cash back, and Id like a credit line increase, Ive spent thousands of dollars since opening and never had a issue with a payment, my card is declining while I still have a good amount of credit left to spend, I am a heavy spender and I have a lot of money. Im XXXX shopping. Goldman Sachs bank is running my XXXX and has LOCKED/ RESTRICTED MY ACCOUNT, and will not give me a reason why, or any information at all. Ive read reviews from other people who have had this happen and cards locked for months on end, Ive contacted them and they have made no attempt to fix my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: ProCollect, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The apartment complex I live in at the Time was burglarized the police came to the apartment complex and arrested the individual. The apartment complex has a copy of the police report. The maintenance man told the manager he saw me leave. The apartment complex illegally added this debt to 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 2023-02-10
Company: EQUIFAX, INC.
State: DC
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:
This is regarding my student loans amounts : {$5600.00} - {$8900.00} - {$5700.00} - {$9100.00} .. these loans are reporting incorrectly on my credit report. 
i paid off these loans a while back but they are still appearing on my credit report. Please take them off my credit report immediately. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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: Account information incorrect

Complaint:
XXXX XXXX  charged off a balance of {$2300.00}. I never received a XXXX for that charge off. The amount has been charged off since XXXX, however it is still being reported on my consumer report without my permission. I disputed this through XXXX in XX/XX/XXXX. They are currently still reporting that it is past due, although it has been charged off, which is ultimately affecting my consumer report negatively. I would like for this account to be deleted from all three consumer reporting agencies immediately as my rights have been violated. High balances for the accounts should be reported and it should be the same balance. Three different balances are being reported through the three major bureaus. This is another violation, and means for this account to be deleted from all three major consumer reporting agencies. 

According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ), the IRS states charge-offs are to be reported as income, and income can not be reported onto a consumer report.

According to 15 U.S.C 1681 ( 4 ) This information shouldn't even be on my consumer report because I never granted permission for it to be on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I discovered there were XXXX unauthorized transactions on my account. I immediately reported the fraudulent transactions via the banking app. I was provided with claim ID # XXXX. The transactions were from the following merchant. 

XXXX {$40.00} XXXX {$20.00} On XX/XX/XXXX I was sent an email stating that final determination had been made and that my claim was being closed and that no error has occurred. I immediately appealed this decision and the claim was re-opened. On XX/XX/XXXX I was told yet again that my claim was closed and that they found no error. I responded asking to be sent information regarding the merchant and where the transaction was made. I also made XXXX calls to Chime customer service once on the XXXX and again on the XXXX speaking with XXXX on the XXXX and XXXX on the XXXX. Both times my claim was closed. XXXX did advise that the transaction was made in Wyoming to which I informed here that I was not in XXXX  nor have I ever traveled to XXXX. 

We went over my transactions for that day that showed I was in XXXX, XXXX  where I reside. I also provided them with feedback from other online customers that have had similar experiences with fraudulent charges from this same merchant. Again was claim was reopened and closed. 

I have NEVER stepped foot in the state of Wyoming and I did not make the purchases. To date Chime has been unable to even inform me of what was purchased. 

I simply want my money returned to me and for this fraud to not continue. A simple google search of XXXX generates countless numbers of people claiming to have been scammed by this merchant and/or Chime with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Fraudulent account has been Put on my credit report XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX INQUIRY XXXX XXXX INQUIRY XXXX XXXX, XXXX I DO NOT RECOGNIZE THESE 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 non-monetary relief
Consumer complaint received 2023-10-23
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Around XX/XX/XXXX My XXXX XXXX was stolen and used to make withdrawals off several cards. One being my chime debit card and they got {$400.00} in one transaction and {$60.00} in another. I contacted chime when I realized the card was drained and have been denied now twice. The first within a day or 2. And the next I requested the paperwork and no one would give it to me. I was escalated multiple times with no help. I finally got a person who said theyd file my claim again as what Ive described sounds like I am entitled my funds back. Every other card has given me my funds back. Chime refuses to do so and refuses to get me the paperwork used or even the denial letter. They denied my second claim within hours and now every person I talk to says theyre escalating the problem but no one sends me the paperwork. What they are doing is illegal in so many ways. I have chats saved with at least 5 agents and all of them have refused my paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: National Credit Adjusters, LLC
State: OH
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:
THIS debt recently appeared into my credit files. 
This debt may have been re-aged This debt is unrecognizable/ unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 went to car dealership and they promised me that theyre going to check with one lender, over time I checked my credit report and its has several inquiries. I am now in a position of bad credit and its holding me back from opportunities and its extremely hard for a dad to help his family with bad credit I need help removing inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: DE
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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. 
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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Radius Global Solutions LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I first became aware of this in XXXX of 2022 when Radius Global Solutions ( a debt collection agency ) called me about an XXXX XXXX account that was opened in my name in XXXX XXXX, NV with balance of {$840.00}. My credit report indicates that was for services from one of the two following addresses : XXXX XXXX XXXX, XXXX XXXX, NV XXXX or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX Both of these addresses are on my credit report and I have disputed them. 
There is also a Nevada phone number listed on my credit report : XXXX and I have verified with XXXX that an account was opened in my name using that phone number. 
I have never lived in Nevada and have never had a Nevada phone number and I have never had an account with XXXX. 
Radius Global Solutions bought this delinquent debt from XXXX and contacted me in XX/XX/2022. I explained to them that I have never lived in Nevada, owned property there or had an account with XXXX. Radius Global Solutions continues to report this fraudulent information to the Credit Bureaus and it has destroyed my credit. I want this removed once and for all. I have repeatedly tried to contact the company to no avail. I have never received anything in writing regarding this and only today have been able to get a reference number from Radius Global Solutions. However they were unable to help me resolve the issue, as all their staff work in XXXX and can not give me any information other than the reference number.

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 2023-01-24
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Someone posing as XXXX XXXX requested unpaid account balance of {$160.00} via Zelle to a XXXX XXXX and then a further {$570.00} to the same account to reverse the transaction for a total of {$540.00} through my XXXX Zelle account on XX/XX/XXXX. Reported days later to XXXX when XXXX XXXX denied that any payment had been made. 
XXXX refused to remedy or reimburse. XXXX client since XXXX. 
Payments were : XX/XX/XXXX Zelle Debit Pay ID : XXXX {$160.00} XXXX XXXX XX/XX/XXXX Zelle Debit Pay ID : XXXX {$570.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: MI
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:
XX/XX/XXXX I disputed online. 
XX/XX/XXXX I disputed accounts online. 
XX/XX/XXXX I disputed accounts online. 
XX/XX/XXXX I disputed accounts online. 
XX/XX/XXXX I sent out a letter to each bureau. 
XX/XX/XXXX I mailed out a letter to each bureau. 
XX/XX/XXXX I mailed out a letter to each bureau. 
I have multiple fraudulent inquiries on my account as well as 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 non-monetary relief
Consumer complaint received 2023-01-24
Company: FIRST NATIONAL BANK OF OMAHA
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently was contacted by XXXX XXXX XXXX and they stated that there was a debt from 2017 that was owed from first national bank of Omaha. I contacted first national bank of Omaha and they said that a lot of the information on the credit file like drivers license the address, the phone numbers the emails did not match up correctly to my actual information. They believe that the debt was fraudulent. They instructed XXXX  XXXX  to have XXXX buy back the debt and then they could cancel the debt based on fraud. I have filed a report against XXXX XXXX XXXX and they have recently stated that they have given the debt back to XXXX  XXXX. I am trying to have this resolved appropriately and removed from my name.

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 2023-03-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
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 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 XXXXXX/XX/XXXX i have reached out to the companies to have this issue resolved, most of them advise me to speak with the credit bureaus when i reach the credit bureaus for assistance they advise me to contact the creditors or the companies who pulled my credit for a " letter of deletion '' I am being sent back and forth between the companies, spending hours on the phone and still have not had assistance with these inquiries this is becoming extremely frustrating. I need these inquiries deleted as soon as possible this is not fair to me as a consumer these inquiries were not made/authorized by me they are fraudulent please do the right thing and remove 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