BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-04-07
Company: EQUIFAX, INC.
State: TX
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: BQ & Associates, P.C., L.L.O.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I have had two accounts with XXXX XXXX Bank that were past due since the beginning of COVID. During COVID I had XXXX XXXX defer payments. After COVID was over and we were back at work, we had sold our house on XX/XX/21. I contacted XXXX XXXX in midXXXX to inform them that I would be paying both credit card accounts in full by the end of XXXX ( we close on XX/XX/21 and the check will be available to me anytime between 2-10 business days ). XXXX XXXX accepted this agreement and told me they would not pursue legal action. This morning, XX/XX/21, I received a call from our local police department that they had tried to give me a summons for court from XXXX XXXX and their representation ( BQ & Associates ). I have tried contacting the bank which they told me to contact BQ & Associates and I have called and left voicemails for the individual in charge of my file with no response.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
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:
Currently all of thee funds in my checking account are available, but the bank didnt release my account and they have issues a hold on my account, they placed a hold and frozen my money, so Iam not able to make any transaction or withdrawl any of my money. The bank did not takes any actions to help me solve this issues, currently, the bank frozen all of my money in my account and stop me to makes any transactions on the account and lastly they also knowify me that my account will be closed and once they finished the reviews, the funds that remains on the account will be sends to me in a check but they either didnt mentions or gave me a date when will they finished reviewing the account, I have try to communicated so many times with the bank also going to the branch in person, no any actions the bank have done by the time now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 requested verification for XXXX debt reported on my credit report, and it returned as verified every time. I recently received a letter from XXXX about a credit report mistake. This error cost me a higher interest rate on my vehicles as well as my apartment search denials. I currently seeking a remedy to this in possible other errors

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 2021-03-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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 AM A VICTIM OF IDENTITY THEFT

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 2023-08-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I tried to pay off my credit cards and I was not made aware the mailing address had changed. I resent the payment after it was returned to sender and it arrived on XX/XX/XXXX but they didn't apply the payment until XX/XX/XXXX. My due date was XX/XX/XXXX. When I called they reversed one late fee but not any of the interest or fees that were charged due to the payment being applied late. The company should owe me money because I overpaid. Then they had the nerve to tell me that I need to make my payments on time. I did make my payment on time. I have another card for a different store with the same company and I am having the same problem. I have proof of delivery of payments and I just want my cards balance to be paid off and be paid back the excess funds I sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-11
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Commonwealth Financial Systems has been trying to collect a debt of {$910.00} from me from a hospital visit I had in XX/XX/XXXX. I've tried to work with them with no luck.

Now they have added a " new '' debt, with an " date opened '' of XX/XX/XXXX. This is causing two collections on my credit for the same debt, with one being for {$910.00} and one for {$920.00}. The one for {$920.00}, was with their {$10.00} fees included on it, but not listed. The original " debt opened ''.

How is it legal to report the same debt twice on my credit report. They have been very harassing and uncooperative with this debt since it fell into their hands years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Inaccurate information on credit report 1. ) Car loan 2. ) Unauthorized, Inaccurate Address XXXX XXXX XXXX XXXX XXXX XXXX, LA 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 2023-08-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/XXXX Dear Experian, I, XXXX XXXX, have written this letter to dispute two late payments that are falsely listed on my credit report with your bureau. 

XXXX Owed : XXXX XXXX XXXX  Amount : {$0.00} Account : XXXX XX/XX/XXXX XXXX marked as late payment. 
Party Owed : XXXX XXXX XXXX : {$0.00} Account : XXXX XX/XX/XXXX XXXX marked as late payment. 

I AM REQUESTING THE LATE PAYMENTS BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.

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 2022-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2022, {$20000.00} was direct deposited into my XXXX XXXX XXXX XXXX savings account from my employer, XXXX. That same day I initiated the transfer of {$1000.00} from my XXXX account to a newly created Citibank savings account. XXXX days later, on XX/XX/XXXX, I initiated the transfer of another {$20000.00} from my XXXX account to my Citibank account. This was a mistake by me because I had also initiated the payment of a credit card bill a few days prior that would drop my total balance in my XXXX account below {$20000.00}. Because my balance was below {$20000.00} in my XXXX account, this transfer was eventually rejected. On XX/XX/XXXX, I then initiated the transfer of {$14000.00} from my XXXX account to my Citibank account ; this transfer was accepted. 

At this point, my Citibank account had around {$15000.00} in it all which could be tracked from my employer. I then initiated a XXXX payment to my father of around {$3400.00}, as repayment for money he had loaned me previously. I don't have the exact date of this transfer but it was sometime in XX/XX/2022. This XXXX payment was successful and my account was not at around {$12000.00}. Now around this time, either late XXXX or early XXXX, I found that I was unable to login to my mobile Citibank app. I went to a local branch and they told me to call the number on my debit card. When I called this number the representative told me that my account was being closed due to suspected fraud. I was told that within XXXX days the matter would be investigated and the remaining funds in my account would be disbursed to me. After around a month, I recieved a ~ {$450.00} check from Citibank from a attempted direct deposit by my employer XXXX. Since that check, it has been almost 5 months since my account was closed and I have yet to receive the rest of the funds in my account. I have been patient and waited for the fraud investigation but nothing has happened. I have called around 8 times in the past 5 months to check on the status of the investigation and the remaining balance disbursement but there has always been no information. When I call, they always have no status update regarding the situation and are unable to give me any actionable information. The funds that ended up in that Citibank account can easily be traced back to my XXXX account and then to my employer, no fraud involved.

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 monetary relief
Consumer complaint received 2023-05-15
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-06-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2021 I deposited a XXXX check into my USAA Checking Account. The first XXXX of the deposit was made available immediately. A hold was placed on the remaining XXXX leaving my family and I stranded out of town without fuel, food, diapers or formula. XX/XX/2021 contacted USAA and requested they release the hold on the XXXX. USAA refused to release the funds and further advised they would keep the hold on the XXXX until XX/XX/2021. 
It would be reasonable to place a hold on a XXXX or XXXX check but it is certainly unreasonable to place a 7 day hold on XXXX for an electronic deposit that can easily be verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-08
Company: EQUIFAX, 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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-08-27
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Original debt with the Hospital ( XXXX XXXX XXXX XXXX, XXXX, Ga ) is being paid bi-weekly since services were rendered in 2016. Documentation such as bank statements ... have been provided to National Recovery Services and 1 additional company trying to collect and the original debtor. This information was provided almost 2 1/2 years ago to these three.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received multiple calls from this debt collector and have explained this debt is not mine. I have also sent a letter dated XX/XX/2022. This debt collector has placed this debt on my credit report after I have given written notice that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 made a purchase back in 2022, and I was told to try to work it out with the merchant and I have been trying to do so. I have spent a total of over XXXX XXXXhrough XXXX. and I have been going back and forth with them, and it seems as though they were stalling. I had no choice but to report back when they tried to close out the resolve after each person has been stalling. When I called back and had Captial one put in my dispute, the guy had me on the phone and filling getting ready. Capital one sends suppose to be secure links and then the links don't work, had me spend three days sending out fax and calling them while waiting for them to turn on the fax machine. I have over 8 to nine transactions slip and the rest were left at the fax location. Then I spent the money to send it through mail as told. So, today I tried the links again to show the transaction slips, etc, but the system kept kicking me out. Then I see the credit back reversed and called to see what the problem was. They told me I passed the deadline of over 120 days, saying that I should have been told. This is after being told to work with the merchant as much as possible, I did thinking after all the proof I sent videos, etc they would just give me my stuff, and pay me back for all the broken stuff. This has upset me dearly becaues Im out with all the broken stuff given to me, missing part of my order with a proof, and the entire package that I put in the mail cuz the papers would not all go. If that's the case why did they waste my time? I want either my money back or my product. They don't have the full package cuz it's in the mail. Nothing was working properly no matter how many times that I tried calling and letting them know. No one was near that fax and everyone is working from home, which is not providing proper help. I have just been cheated completely. You don't get your stuff to after 45 to 50 days after you pay cuz it has to come on a boat from China.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Maximus Education, LLC dba Aidvantage
State: AL
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 company is reporting that I have late payments on accounts that were in deferment. I have tried calling and explaining, but no one listens to my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Bank of America XXXX BoA ) Savings Account Fraud BoA Fraud Claim XXXX ( Note, a more detailed timeline writeup has been attached as a txt file ). On the XXXX of XX/XX/2021, when I logged in to my Bank of America account, I noticed a massive transfer of money out of my checking account on the XXXX of XX/XX/2021. The sum was around $ XXXX XXXX exact number in documents attached XXXX. It was a payment to an XXXX XXXX ( XXXX ) account NOT owned by me. I immediately contacted BoA, closed the compromised checking account and requested a fraud investigation. I also contacted XXXX regarding the transaction. They did not reveal details to me, but gave me the transaction ID, and told me that BoA should handle it for me. Unfortunately on the XXXX of XX/XX/2021, my fraud claim has been denied. The email simply claimed that my account activity on that day was " consistent ''. I have filed for an appeal simply because how of how ridiculous this conclusion was. Bank of America did not even contact XXXX regarding the suspicious transfer of money. Bank of America has still yet to email me the documentation of their investigation despite agreeing to do so. I even checked with the credit bureaus and XXXX to ensure that the money was transferred to an account that did not belong to me. In addition I requested BoA forward me the documents involved in the investigation ( which the letter claimed was within my right to do so ), but they have still not yet provided me with them.

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 monetary relief
Consumer complaint received 2018-04-09
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I contacted XXXX XXXX XXXX through their website about negotiating a settlement of an old debt that Midland sued me for ( the case was dismissed in circuit court ). 
I have not received a response from this company ( Only a response to the e-mail being received ). I requested in my e-mails that the company contact me by e-mail, and provided my current e-mail address to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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