BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
TD Bank does not appear to have a process to remedy returned deposits. I submitted an EFT before closing an account. Unfortunately the receiving institution returned the funds to TD. The funds were received back by TD after I had closed the account. TD customer service center and local branch office are unable and unwilling to assist. I have called on multiple occasions and no one seems to know how to resolve this. I have been promised call backs but have never received one. I was lied to that a check would be sent to my home. Instead they continue to attempt an EFT to the other institution unsuccessfully. The funds in question are stuck in an endless loop. {$140.00} is in suspense and has been unresolved since XX/XX/2023. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03
Company: ProCollect, 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: Was not notified of investigation status or results

Complaint:
I filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I have yet to receive my investigation results. I demand that these items be deleted at once from my credit report as this has caused 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 2019-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hello, My name is XXXX. I noticed on my credit report that there are things that do not belong to me. As I reviewed my credit Report, I noticed a number of Inquiries, accounts, and collections that do not belong to me. Please remove these from my report as soon as possible. 
Best Regards, *Please see attached FTC reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
in mid XXXX I enrolled with Chase Bank because of the {$220.00} promo, and the fact my grandkids loves XXXX. Florida may get a visit but XXXX sure wont because Chase and/or XXXX ran this promotion to receive a XXXX card and a promo of {$220.00} after 14 days of having this bank account, instead i was lied to and scammed into enrolling into a new account with XXXX Rewards and a Promotion for {$220.00}. I finally receive a the XXXX bank card but no promo ... Each time I call about the situation I'm given another excuse... Finally a month after my account being closed and reopened because of fraud, now I am told that I will not receive a promo because it wasn't entered in the system by a banker which is not my fault no that is their issue and it should have been honored if i was mislead misquoted then most banks would have honored the mistake but Chase XXXX Dollar Chase would not honor a {$220.00} promo that they created to SCAM people like me, who have grandkids and kids that love XXXX yet they are causing me to rethink everything about XXXX and Chase being they are partners if XXXX knows about the allows Chase To SCAM their customers then XXXX is just as guilty as chase because I opened up this account for the XXXX rewards and I have yet to receive the {$220.00} that was DISPLAYED ON THE WINDOW OF THE BANK. Which is now removed, but 10 min up the road in our downtown area a new chase was just built and what do I see in the window a {$220.00} promo offer for opening up a chase bank account... Either I did not receive my promo because of my complexion or because this scam was predesigned to control the kids minds then control the parents... .but I am owed XXXX $ for a promotion ... that chase and XXXX scammed me into leaving my 6 year account with XXXX just to leave my grandkids and myself MIA ... .Learning Lesson... But We Will Fight This through the until the end, and all of these companies will lie to you, with the truth in plain sight

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
In XXXX and XXXX Ive sent in two rounds of disputes to TransUnion asking for the following accounts to be removed off my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Ive asked for the original contracts which I haven't received and also for the above accounts to be removed because of illegal collection fees. Its been over 30 days and I have not received anything back regarding my last dispute.

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 2018-09-16
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I submitted a payment on my XXXX store card in advance via XXXX store app. Once I realize that the payment pending on my bank account I contact XXXX Customer service to have the pending payment cancelled or edit the payment to another future date because I didnt have enough money to cover the payment until next pay period. I mixed up the Pay date when submitted the payment. 
I was placed on hold over twenty minutes, transfer to CS in the XXXX, lyed to & the payment was submitted 3x even though I tried to resolve this payment issues before the payment process, after the 1st and 2nd payment processed. Customer service finally informed me that once I submitted a payment via XXXX app, in small print, it pre-authorizes XXXX to re-submit a payment 3x. I had never had a return via XXXX  app so I was not aware of this pre-authorization in which over drawn my bank account for {$100.00} and charged me a {$35.00} late fee on my XXXX store card. 
The total fees are too excessive for 1 return payment. My credit card had a positive balance before this mistake.

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 2022-12-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX and XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX Balance : {$7300.00} ; DEPT OF ED/XXXX  XXXX Balance : {$44000.00} ; DEPT OF ED/XXXX  XXXX Balance : {$20000.00} ; DEPT OF ED/XXXX  XXXX Balance : {$22000.00} ; DEPT OF ED/XXXX  XXXX Balance : {$2400.00} ; XXXX  XXXX XXXX Balance : {$4400.00} ; XXXX  XXXX XXXX Balance : {$470.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: Opportunity Financial, LLC
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 checked my report and noticed a late report from OppLoans. I suffered from XXXX and was out of work for a few weeks. I also had a short stay in the hospital around the time the bill is normally due. Due to my illness I totally forgot to pay the bill. However as soon as I remembered, I took care of it. My bill had not ever been late prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Incomm Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a {$500.00} Vanilla Visa gift card from my employer for doing good work. I have tried to use this card in a regular store ( XXXX, XXXX XXXX ). The card gets declined. I look up the card online and it says that my card is on hold and I need to call to get it off the hold. I have called three time over the past year and the wait has always been over 30 mins to talk to anyone. And when I finally talk to someone they say that I am need the receipt of buying the card to be able to help. How can I have the receipt when this card was a gift? The point of this is to make me give up and have them keep the money. It bad business practices and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  XXXX   XXXX ,   XXXX  , I notified my  XXXX   XXXX   XXXX  that I had both moved and purchased a new vehicle and was moving my insurance to another company. I provided the proof from the vehicle purchase, proof of coverage from the new insurance company, and a written ( emailed ) statement of the cancellation. I had paid a full month 's premium on  XXXX   XXXX  and was not provided a refund for the pro-rated portion.     In  XXXX ,   XXXX   I began to receive outside collection notices claiming I owed a month 's premium and my account had been " cancelled for non-payment of premium. '' I contacted my agent,  XXXX   XXXX . At that point I was told by  XXXX   XXXX  that  XXXX   XXXX  was no longer the agent and that she would take care of the issue. In  XXXX ,   XXXX  ,  XXXX   XXXX  assured me the situation had been rectified and no collection would continue.     I have received another collection notice as well as having been informed that it is showing up as an uncollected debt on my credit report. I am working hard to rebuild my credit after   XXXX   XXXX   resulted in a loss of all assets and personal bankrutpcy. I have both contacted  XXXX  and sent a letter to the collection company more than once, to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: NCB Management Services 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: Account status incorrect

Complaint:
NCB Management has an account reporting on my credit report with XXXX. It shows opened XX/XX/2016 and has an open status. This does show included in bankruptcy in the notes and a XXXX  balance but they refuse to close this account. I disputed this with them and XXXX  but have not had this corrected. It is still showing open and under my collections on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I mailed dispute letters to Transunion on XX/XX/21 regarding accounts XXXX XXXX Bank and XXXX XXXX. According to certified mail receipts, those letters were received and accepted on XX/XX/21. As of today no response have been provided. After the initial 30 day with no response I sent a follow up letter notifying Transunion that they've failed to respond. It is now XX/XX/21 and I've yet to hear anything from Transunion regarding my initial dispute or follow up. The FCRA allows the bureau 30 days to respond and I have not gotten a response.

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 2017-05-03
Company: UMB FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My HSA account with UMB Bank was closed at my request as a HSA Direct Transfer Request on  XXXX   XXXX ,  2017 . {$22000.00}  (  along with an account closing fee of {$15.00}  )  was debited from my HSA account on  XXXX   XXXX ,    2017 to close the account.     As of today,  XXXX   XXXX ,  2017 , this check with {$22000.00} has not been received from  UMB  Bank by my new  XXXX  provider,  XXXX   XXXX   XXXX .     I called  UMB   XXXX   XXXX  today  (   XXXX   XXXX ,  2017  ) for a status on this check. I was informed by the service representative that this check was mailed out on  XXXX   XXXX ,  2017 .     How come it took UMB Bank 8 days to mail a check for funds which was debited from my  HSA  account on  XXXX   XXXX ,  2017 ?

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 2019-01-10
Company: Atlantic Credit & Finance, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a overnight XXXX letter from company Atlantic credit finance XXXX XXXX XXXX VA XXXX XXXX we received a letter stating this was in Pre-legal notification to contact them to make arrangements with a payment plan of XXXX bi weekly by XX/XX/2019 or they will forward this to an attorney for litigation. Please keep in mind we have never received a ( 1st notice ) Letter ) this was the 1st letter that was ever received. I contacted this agency and wanted to honor what they had in writing for a payment arrangement, I spoke to two representatives by the name of XXXX and XXXX both advised me they could not honor what was in writing without a down payment of a percentage down? I advised them both this was not was was in writing and all we would like to to due to our financial status that I could afford. Both refused to honor what was received in writing. I have kept this correspondence along they both advised me that the call was being monitored and both did not give me the full mini Miranda. I will still mail in what the correspondence I received to show my good intent while there poor practices along with taking advantage of me as a consumer by misleading me to contact them with arrangements they offered me in writing and would not accept.

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 2023-02-04
Company: EQUIFAX, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX/DEPT OF ED XXXX Balance : {$2400.00} ; XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX XXXX/DEPT OF ED XXXX Balance : {$9000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Merchants Acceptance Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The only dates that I have on hand at the current moment is today,   XXXX   XXXX   XXXX     and a previous date of   XXXX   XXXX   XXXX    .     I 've had harassing, non stop phone calls to the point that I 've changed my number and had to block the company 's number on my home phone, when I have asked that all communication be done via United States Postal services, which has been ignored and I have n't received anything by mail. The debt that they 're trying to collect is on a   XXXX   XXXX   where my contract was voided since  XXXX  did n't keep up on their part and I returned the vacuum to them.     On   XXXX   XXXX   XXXX     I received an email stating that they 're trying to contact me in regards to my account - Which was sent to my email and  three others, two of w hich I have no connection to. This was after my grandparents and mother received a phone call from a man who got verbally confrontational with my mother. I replied back to the email stating that all contact needed to be done VIA  USPS  and if there was any issues to give me a call on a number I provided.     On   XXXX   XXXX   XXXX     - My employer got a call, fax, and email in regards to an employment verification, in which I called the number provided spoke to a woman named   XXXX   that had placed all three of those contacts, and informed her not to harass me at my place of business and if there was any need to contact me via  USPS  - which still has n't taken place. She placed me on hold stating that she was going to transfer me to someone to speak to in regards to it since she only does the " employment '' verification, and I was left there fo r fifteen minu tes before I finally gave up.     I 've had multiple calls on an old phone number that where I 've had their employees yell at me, call me names, and harass me about payment on an item I do not have. I have proof of changing my number, the block on my house phone, statements from my grandparents and mother about their phone call at my home, and proof that they 've contacted my employer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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: Reporting company used your report improperly

Complaint:
I am disputing this account according to the FCRA for reporting incorrectly. I have asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original Ink signature. I am requesting the reporting agencies to correct this account to report paid as agreed with no late payments and/or remove it. I've sent the original dispute 6 months ago with no response. Yesterday XX/XX/22 I sent a certified letter as proof they are getting the mail and request.

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 2022-04-06
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
The complainant was fraudulently charged ( {$100.00} ) for event tickets by XXXX XXXX on Thursday, XX/XX/XXXX. Ally Bank uses XXXX to process payments. I sent the electronic funds via XXXX at XXXX EST on XX/XX/XXXX. When the seller of the event tickets failed to send the tickets, I immediately notified XXXX who stated I needed to follow up with my financial institution ( Ally Bank ). I immediately notified Ally Bank via chat and was told to call and file a case. While on hold with Ally Bank I disputed the transaction on the Ally Website. 

Unfortunately, the Ally Bank phone system ( XXXX ) only directs the consumer to the vehicle loan division and does not properly route callers to the Ally XXXX Bank division. I was hindered in my interaction with Ally Bank due to the limitation of their phone system. 

I did dispute the transaction via the Ally Bank website and without notice, discovered the dispute was closed without any follow up or written communication. 

Attached is the chat log with Ally Bank representatives. 

XXXX - XXXX XXXX ( XXXX ) Email - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation