BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Names : XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Employer : XXXX XXXX Addresses : 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  Inquiry : XXXX XXXX XX/XX/XXXXXXXX XXXX : XXXX XXXX Experian Names : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX Addresses : 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 Inquiries : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Names : XXXX XXXX Employers : XXXX XXXX Addresses : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/XXXX I received a deposit in 2 amounts {$300.00} and {$250.00} like I always do every week on XX/XX/XXXX i was defrauded out of {$3500.00} now I have to fight with them to put my money in an account they had to open because of fraud like why do I have to keep going through this with TD BANK I never experienced nothing like this in my life I have spoken to them over 4x and its still not resolved meanwhile I don't have money to feed my household cause TD BANK Allowed someone to take it from me and now they are holding my money XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Square Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a Cash App debit card in the mail on XX/XX/XXXX. I knew that it was a case of identity theft because I never opened a Cash App account and I have had two other accounts opened in my name recently. In both of those cases I was able to easily contact the company and have the account closed. I attempted to contact Cash App, but I quickly discovered that they do not have a phone number. All websites that I found directed me to contact Customer Service through the Cash App itself. Of course I do not have a Cash App account, so this was useless. I emailed Square to alert them to the fraudulent account and ask them to shut it down. I received a form email back on XX/XX/XXXX, telling me ( once again ) that I need to contact Cash App Support directly from the Cash App. It did not address my concerns or the substance of the email. I have not received a response to my subsequent email. 

In short, there is a fraudulent Cash App open under my name and Square offers no way to get in contact with Customer Service to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Eagle Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I owe ca {$3800.00} to Eagle Loan Company for a loan I used to pay for my car. Eagle Loan 's local offices are located at XXXX XXXX XXXX, XXXX, OH XXXX ( phone number XXXX XXXX ). I have enrolled in a debt relief program with XXXX XXXX XXXX XXXX XXXX, and they have been informed of this. When I told the loan officer this, whose name is XXXX, he yelled at me to " listen to me, we don't work with debt relief companies '' and I hung up the phone on him. ( I am separated from my family, struggling to handle all of my many debts since then, I am in both XXXX and XXXX  counseling and I don't need to be yelled at by anybody right now. ) I then blocked their number. Apparently this annoyed them enough so that they called my family home 's neighbor, XXXX XXXX, in order to get him to contact me and have me call them. This occurred today, apparently ( Thursday XX/XX/XXXX ) and I get a text message from XXXX at XXXXXXXX XXXX about it. I want them to stop harassing anyone about my debts, or telling anyone about them, and wait for XXXX XXXX XXXX to work out an arrangement with them for me to pay off the debt. I fully intend to pay the debt through negotiation, and am making regular {$290.00} payments to them with each paycheck in order to work out all of my debts - I am just asking for their patience and courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: National Credit Adjusters, LLC
State: FL
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 was notified on my credit app that a credit card went in collections. I was XXXX with the XXXX to XXXX during the time the card was taken out. Ive sent my orders along with the police report during my dispute. The company has yet to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I could n't find the appropriate complaint to submit this under. On XX/XX/2017 I received an email stating : We are confirming your recent request to change the telephone number on your account ending in XXXX  on XX/XX/2017. Next time you need to make updates to your account, visit us online at XXXX.com and click your profile. 
If you have n't registered your account with us, just follow the online registration process to start seeing your account information wherever and whenever you choose. 
If you do not recognize this request, contact us immediately at XXXX I called as I did n't make this request and feared my account has been hacked into. When I called and verified my information, I was told the collections department generates these emails when they can not get through to a person just so they can verify a persons information. 

XXXX XXXX has completely misrepresented the purpose of their email and lied. I was on the verge of cancelling all of my charge accounts as a result because I was afraid my identity had been stolen.

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 2017-08-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I 've called Chase bank on X/XX/17 to find the reason why they 've decided to close my account. I was told that they ca n't disclose that information with me. I asked for a written explaination mailed to me and I was denied of having that information obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This item is not mine and I do not have nothing in common with this account. ITs not mine and I d not want to see this item in my credit report. I do not recognize it and suddenly it appeared in my profile. I ask you to investigate howcome I have it in my profile. And who could use my personal data. And of course remove it after you check.

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 2017-10-10
Company: Summit Financial Corp.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
i believe this company is practicing unfair billing practices because every month I 'm paying my bill on time and my payment is purposely getting lost. I need them to remove the late remarks from my credit that were all due to their mistake.My credit worthiness is very important and defaming my character creates a misrepresentation of who I am in the eyes of lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Experian Information Solutions Inc.
State: NY
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:
I have tried to contact Experian, XXXX, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : 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 2021-08-12
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have repeatedly called their CS line as well as even RETURNED promotional offers and them trying to get you to sign up for some other loans. I don't want them. I have even opted out with the credit bureaus so you should NOT be sending me anything offering anything extra. I have a card with you. That is it, if there is nothing that needs to be sent in regards to that card, do not send me this misleading GARBAGE anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10
Company: EQUIFAX, INC.
State: CA
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:
I sent this company a dispute letter to dispute several INCORRECT AND INACCURATE pieces of information. I wrote them a letter dated XXXX XXXX, XXXX. Listed are all the inaccurate and incorrect information being reported including liens that I 've personally verified with the courts which have been removed from their records since last XXXX XXXX, XXXX. This proves how inaccurate and incorrect this company 's reporting is ; this also proves this company 's violation of FCRA. They did not conduct any investigation. Attached to this complaint is a copy of the letter I sent this company last XXXX XXXX, XXXX. Also, Another proof that this company did not investigate, there is a certain item on the account that I disputed and still remains as verified, correct and accurate. XXXX XXXX. If this company really did an investigation, I am interested to know how. According to XXXX : " XXXX XXXX  XXXX '' XXXX control is already out of business. So, I am quite surprised when this company claims they did an investigation and the item was verified. There is no assurance that this company really conducted an investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10
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: Information belongs to someone else

Complaint:
I sent a Letter of Demand Under Section 604 of the Fair Credit Reporting Act : I see these inquiries on my credit report. I would like these Items removed immediately. Please provide me Permissible Purpose. Proof that I initiated the Inquiries and Written Authorization on all inquiries. I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10 page attachment ( Your Duties Under The Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws.

XXXX Inquires 1 ) XXXX - XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  1 ) XXXX XXXX XX/XX/XXXX 2 ) XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XX/XX/XXXX Experian 1 ) XXXX   XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 2 ) XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ 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 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I sent a Letter of Demand Under Section 604 of the Fair Credit Reporting Act : I see these inquiries on my credit report. I would like these Items removed immediately. Please provide me Permissible Purpose. Proof that I initiated the Inquiries and Written Authorization on all inquiries. I have been a victim of identity Theft. Under Section 605B of the Fair Credit Reporting Act you are required to block unauthorized accounts within 4 business days. Please see my 10 page attachment ( Your Duties Under The Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. 

XXXX Inquires 1 ) XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX Transunion 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 1 ) XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, NJ 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 2017-10-10
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid on XX/XX/XXXX I received the closing letter XX/XX/XXXX stating that the account was closed. Today XX/XX/XXXX I received a phone call stating our payment was declined but our bank records show it was paid.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX nissan sentra nissan motor acceptance corp loan dated X/XX/2014 vin # XXXX after purchasing vehicle i had accident and when insurance needed to payoff nmac gap insurance said car was in my dads name but he never signed any paper at dealership. i signed my name never realizing it was my dads name which is different than mine. i have sent numerous requests to nissan motor acceptance corp. dealer XXXX XXXX XXXX of XXXX nj

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
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 chose the option saying that the transaction was not authorized, but that is not accurate. The transaction was authorized, but they have a full refund policy that they repeatedly promise to honor but never do. 
On XX/XX/XXXX there is a charge of {$29.00} for the design of a logo on my account. After a few days, I called the company to ask for a refund and succumbed to an up-sale. I was told that for {$300.00} they would design a logo and build a website. On XX/XX/XXXX XXXX charged {$270.00}. After some back and forth and complaints about customer service, the logo was never completed and the website was never started. On XX/XX/XXXX I emailed the rep at XXXX asking for a refund. I was told that I would eventually get it, but after eight months, constant emails back and forth, and even an attempt to have my bank file a claim, I am still waiting for my refund. Service was never delivered and I want my {$290.00} back. Please help me. 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 explanation
Consumer complaint received 2021-08-12
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: Autovest, L.L.C.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Hi, I received a wage garnishment this Friday. I was unaware of this judgment due to moving from XXXX state to another. I have wage garnishment documents that I got from the mailbox today. It states that Autovest LLC won a judgment against me. I have no clue who Autovest, LLC is. After some research, I discovered that this company buys old loans from XXXX XXXX. XXXX XXXX closed this case over 7 years ago. I do n't understand any of this, but it 's very depressing to have wages garnished ; especially without receiving no warnings of any kind. This is n't fair, I do n't make much money and I have several bills to pay including several medical bills, school loans, rent, car, etc. Can anything be done about this? I 'm totally new to this wage garnishment stuff. Also, I voluntarily gave the vehicle up because I could n't afford to pay after two years of paying way more than what the vehicle was worth. I was at a desperate time in my life and needed a vehicle for work when I chose to get the vehicle over 7 years ago. I 'm truly hurting now, not just financially, but physically as well ... Please HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: BARCLAYS BANK DELAWARE
State: MD
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:
second contract was open less than one month after the initial contract. Wyndham credited all late fees and credited the second account. Barclays Bank Delaware still shows hard inquiry and late payments. Wyndham has sent letter and I forwarded the letter from Wyndham also but it shows late payment. 

On the vacation club for XXXX XXXX bank the same issues show on Wyndham credited all late fees and report shows late payments I would really like this corrected because this has been an ongoing issues since XX/XX/2020.

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 2015-07-07
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
California Business Bureau is reporting a collection account that it is not mine to the credit bureaus. I had XXXX XXXX XXXX contact them on my behalf and they have failed to respond back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation