BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-26
Company: Medical Data Systems, Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I constantly check my credit report and notice that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time now. I demand CFPB to enforce these corrections and or deletion of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On my XXXX XXXX phone all XXXX credit reporting company 's login and passwords all taken off screen. Login will not work i have all XXXX with a security freeze. Sense a year ago there should be no activity on 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 explanation
Consumer complaint received 2023-10-30
Company: Phoenix Financial Services LLC
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:
I, XXXX XXXX, am requesting the deletion of account PHOENIX FINANCIAL SERV XXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to PHOENIX FINANCIAL SERV, and the original creditor has failed to validate the alleged debt, constituting another violation. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2023. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Please provide the original account documentation as well as your license to collect debt in the state of Texas. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. I will attach my credit report to show the many inaccuracies including payment history, date last active, and date last reported. Remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Genesis FS Card Services, Inc.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I missed a payment XXXX and I used money gram on XXXX, to make an {$80.00} payment which a {$40.00} late fee was a portion of it, same day service, cost {$8.00}. Genesis FS card service received and process the payment on the XXXX. Yet they reported to the credit bureau I was 30 days late on a payment. I had til XXXX to pay it and not be 30 days late. Its always a problem with Genesis FS card services. They need to be investigated for unfair business practices and their customer service is horrible. I sent a money order to them last year they claim they did not receive it. I mailed two weeks before the due date to be on time and they hit me with a late fee

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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 opened my account in the latter part of XXXX. I was never late on my account. I was contacted by Capital One in XXXX of XXXX and was told that my account was labeled as a fraudulent account. I had never been late and I never complained about any unauthorized purchases, so I was clueless as to why my account was deemed fraudulent. The account was deleted from my report. Capital One later put it back on my report and they then gave me a different account number. I called Capital One back in XXXX and they told me that they would be sending me a new statement. I received the statement at the beginning of XX/XX/XXXX and paid the account completely off on XX/XX/XXXX. They would not accept my online payments due to the account being labeled as fraudulent. I was never late on this account. Capital One stated that this account was labeled as fraud by XXXX  and that they had to do what the bureau said to do. I need my account to show never been late or I will definitely be getting legal representation. This is absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-09
Company: Radius Global Solutions LLC
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:
This company keeps calling me 2 3 times a day I've been trying too tell them I'm not working I'm on SSI they keep asking me to ask someone to help me pay it off this is from 2012 I would like for this to be removed off my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made my student loan payment before the due date. My payment was then reversed by Aidvantage. The company then only took a small amount of my payment and rejected the rest. Now they are saying my payment is past due. I paid my full amount on time and they are reversing it on their end which is causing my loans to show as past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Retirement funds were dispersed into a Rollover IRA account through CITBANK. I got a letter saying citibank had the money in a money market account. I filled out the necessary documents one month ago requesting the money be transferred into my citibank checking account. I explained the request was dire ad my car was stolen from my apartment complex, my kids were starting school, and my rent coming up. I am facing eviction and to this moment citi has refused to transfer the money to the citibank checking account even though I and my kids are nearly homeless. There is no other parent in the home or out of the home. I have confirmed citbank has all the forms required. They wont allow me y To acess my money, each say I call I am told there is a " Glitch " and nothing a can do. They are cold and thieves. I asked what the glitch is and I am just told " system issue ". Another excuse is a " Glitch due to enhancements with simplified banking ''. It is very plain to see that Citibank us holding onto the money because they freeze and put on hold on accounts to thousands of peole every day unethical and immoral. I spoke to two supervisor XXXX XXXX XXXX and was told the " back office '' did an override a d removed the hold and I would get the transfer. Today I was told the two supervisors lied and there is no end in sight and there is zero I can do about it. Citibank will not give me acess to the money. I was originally told 2 bunessis days and now I'm told it's just too bad. They have the money a d won't release it. Since XX/XX/2023, I keep getting told I can't do anything to get the money

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 non-monetary relief
Consumer complaint received 2021-09-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To whom this may concern, On Tuesday, XX/XX/2021, I sent a wire transfer of {$750.00} via XXXX. To a merchant ( someone I knew ) to transport my vehicle from XXXX  to XXXX. The merchant and I set a date for the vehicle to be picked up from XXXX. On that day, the merchant stopped answering my calls/ text messages and I never received my vehicle or money. I asked the merchant for a refund, however i did not receive a response. I was stuck having to pay another car company for the transport and out of {$750.00}. On Friday, XX/XX/2021, I contacted my bank where the XXXX was sent from which is USAA. To report a fraud claim and have the funds returned. I was notified by USAA that the funds could not be returned due to XXXX policy. Ive tried calling USAA to speak with mutual representatives about the situation and continue to receive the same answer. Now Im currently in a financial crisis due to the loss of {$750.00} from the merchant. Also, upset because, I thought my bank would protect me in this type of predicament.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Georgia Student Finance Authority
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: Account status incorrect

Complaint:
Too whom it may concern Im submitting this complaint on my own theres no third party involved. Georgia Student Finance Commission Is in violation of the Truth and Lending Act 15 U.S.C. 1666 Correction of Billing Error. They have reported my account 90 days late which is in error. I filed a hardship with Georgia Student Finance Commission. I submitted a hardship to put a pause on my GA student finance loans back in XXXX through GA student finance portal. In XXXX I called GA student finance since I didnt hear from them. Someone from their department while on the phone with me advised that I forward my case ID to her and that I was all set ( see attachment ). On XX/XX/2022 I called and spoke with XXXX concerning my account. She said my account was never worked on and she will be working on it. She stated she would send an email that day and never sent it. The lack of organization, professionalism and effort on Georgia Student Finance Commission part has caused my credit score to drop because they didnt do their job. This is really hurting my reputation and effecting my ability to buy a house.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-18
Company: FIRST NATIONAL BANK OF OMAHA
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
on XXXX a charge was made to my visa card by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - this was a fraudulent charge and not from my XXXX account XXXX XXXX claims that when they submitted the charge they provided FNBO Visa with the details of the transaction ( such as the XXXX account and email ) - FNBO claims to not have those details and authorized the charge anyway - FNBO will not provide the information for XXXX to pursue the fraud and without that information, XXXX can not remove the charge from the account - FNBO will not dispute the charge and will not work with XXXX to resolve the issue. FNBO has forced me to close the account and open a new account before they will investigate the fraudulent transaction, which in turn disrupts my ability to autopay several associated accounts ( such as car insurance, auto insurance, internet services, streaming services, food delivery services, cable TV services )

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 2023-09-18
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
ON OR AROUND XXXX OF 2023 MY TD BANK CREDIT REPORTED THAT MY ACCOUNT WAS XXXX DAYS PAST DUE. THE REPERSENTATIVE THAT TOOK MY PAYMENT INTIATED A PAYMENT THAT WAS NOT WHAT I INSTRUCTED HER TO DO. MY MONTHLY PAYMENT WAS {$35.00} AND THE LADY PUT IT IN THE SYSTEM {$33.00} AND THIS CAUSED MY ACCOUNT TO BE IN A XXXX DAY PAST DUE STATUS WHICH AFFECTED MY CREDIT REPORT AND NOW I CAN'T GET A HOUSE OR JOB

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been a customer of XXXX XXXX XXXX  over 6 years and I had a credit card with them with a card limit of XXXX . I was involved in an accident in XXXX in XX/XX/XXXX and I lost my wallet and everything. I lost my parents in that accident and went into XXXX XXXX XXXX and was hospitalized till XX/XX/XXXX. When I got back I saw my two credit card was maxed out and two others were open under my name. I reported to the police and try to connect with the banks as well. They not only did not help but they ruined my life by charging me more and ruining my credit. I have tried to explain several times but they do not want to help. I have been terrified by phone calls and threats that they will go further. I am in a situation of shock and they denied to do their job, protect me and my money. They have not reached out to me but are calling and causing problems to my family members who are not in the application at all. They are using personal information to threaten me and not take responsibility of my money. I have disputed amounts several time and they can see that all the charges are were done internationally and online but they denied that to me.

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 2023-10-30
Company: DISCOVER BANK
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX shares my information and shared my password in XXXX. Now someone has been charging a credit card to my account for {$7100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Twice now, and on time, I have made a payment to pay off loans directly from my bank account, which I triple-checked to make sure I had the right routing and account number, and both payments ended up with a payment reversal status the exact same day I tried to pay them. 

My first payment was {$120.00} on XX/XX/ and my second payment was {$240.00} on XX/XX/. I received payment confirmed emails both times and NO indication that the payment was rejected for any reason. 

I would like to pay these off in a timely manner and they have not been helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Purchased item XXXX and charged to my XXXX XXXX XXXX XXXX. Received item on XX/XX/XXXX and the quality was poor and color off. Within the hour I returned through XXXX. I have proof of receipt and delivery back to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX  admits they have the item back. Policy online states that refund within XXXX business days. Now they are saying they are backlogged and dont know WHEN they can process. Meanwhile bill/payment due and I shouldnt owe anything, since I had a XXXX balance before purchase. If the business admits to having their merchandise back, then how can they hold funds XXXX and require the customer to pay for NOTHINGbecause I have nothing. Comenity is playing crazy and has the oh well attitude. They are in cahoots. They are scammers and I feel like Im being robbed. Its XX/XX/XXXX and I keep getting hung up on or transferred back into cue by several reps. If I would have used my bank card then this would have been resolved because I have all my documentation. They get people to open these store cards so they can mistreat and rob people. What is my recourse??!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-30
Company: UNITED BANKSHARES, INC.
State: OH
Product: Credit reporting 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 to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent in dispute letters to all 3 credit bureaus regarding inaccurate items, I had found. This was done on XX/XX/2023. To date I have not received any notifications that they have begun investigating my disputes. This is a clear violation of the FCRA, and completely unfair to me as a consumer. By law I have the right to a fair and accurate credit report. 

I have attached the 3rd letter sent to the credit bureaus to this 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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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.

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