BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My TRANS UNION credit report is missing a credit card account. The credit card account is from XXXX XXXX XXXX  XXXX and was opened on XX/XX/XXXX. It is an active, open, current account in good standing, and I have never been late with payments to this account. I am the authorized user on this account and have been using this XXXX XXXX credit card throughout XX/XX/XXXX. It has a credit limit of {$7500.00}. The primary card holder is my girlfriend XXXX XXXX XXXX. I have notified TRANS  UNION in writing the full description of this account, and requested them to contact XXXX  XXXX XXXX XXXX so that they can verify that it is a valid account and therefore, it should be listed on my TRANS UNION credit report. I have also contacted XXXX XXXX XXXX XXXX to have them call TRANS UNION and tell TRANS UNION to start reporting this account on my credit report. Neither TRANS UNION, nor XXXX XXXX XXXX XXXX, have done anything to rectify this omission on my TRANS UNION 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 non-monetary relief
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: MD
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 checked again my credit report and found that some of the data werestill incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2021-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
In XX/XX/XXXX my identity was stolen and used by someone to open credit accounts at XXXX XXXX XXXX, XXXX XXXX and Bank of America. In the summer 2020, these accounts were closed by XXXX XXXX and XXXX, determined to be fraud and credit inquiries deleted from the three credit agencies. Bank of America continues to seek payment from me, sends monthly statements to my old address ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) that are forwarded to my current address ( XXXX XXXX XXXX XXXX, XXXX, Ga XXXX ) and placed non-payment with the three credit agencies. I did freeze my credit. Ive banked only with XXXX for the past 47 years. My credit rating has decreased from over XXXX points to XXXX today due to BoA placement of non-payment on this account open fraudulently. Ive tried to be helpful with BoAs investigation into the fraudulent opening and cash advances on the reference account number # XXXX XXXX XXXX XXXX ). Ive opened case # XXXX with Investigator XXXX XXXX, phone XXXX and email : XXXX who is with Criminal Investigations Identify Theft Resources for XXXX XXXX, Georgia ( I did email this report to BoA as directed by their Fraud Department ). Ive been called well over 20 times from BoA collection center and never from BoA Fraud Department. I called the BoA Fraud Department to offer my cell number and new address ( BOA statements are now received at my new address ). From BoA files here is what Ive put together : Thiefs telephone # used to open account XXXX ( the number is now disconnected ) ; original $ XXXX was withdrawn at various increments from an ATM here in XXXX ( there must be photos at the ATM ). One BoA caller mentioned an email that was used to open this account as well. I've tried to assist BoA in finding this person who fradulently open an account in my name to include sending the letters I received from XXXX and XXXX XXXX each subject is We confirm that you didnt open this account. I've received several letters from BoA declining to approve my fraud claim. 
I am suffering XXXX XXXX because of BoA intentional, reckless or negligent actions, and have experience XXXX XXXX that has negatively impact my credit, life and health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: UMB FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Applied for the XXXX XXXX XXXX in XX/XX/2022 and this card has given me the worst service a human being can be offered. From them getting my bank account number wrong to having a complicated way of submitting payments. I have to call every month to make a payment when every other credit card has a smooth way for me to submit payments via a website. I also found out they froze and closed my account just because they wanted to. I have had 10+ years of perfect and on time payments on my credit history. I personally believe this card scammed me to open with them and once I met the requirement to use my cashback option at XXXX in order to buy gold thats when my account was frozen. I own credit cards from multiple lenders and this is by far the worst card I have ever had. To speak to a supervisor took over an hour long and if you ask for a supervisor to call you they do not call you back. I hate this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My husband XXXX XXXX XXXX, XXXX, is XXXX XXXX XXXX with a history of multiple XXXX XXXX and XXXX with impaired thinking due to XXXX. He is not able to manage his finances and is solely dependent on XXXX social security per month. He rode on a bicycle on XXXX XXXX, XXXX and acquired a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA. The dealers falsified his income ( typed in ) with no verification of proof. They put his income as XXXX per month and that he has a job with XXXX XXXX ... ... None of this is true. They even completed his application on his behalf ( he is unable to write complete sentences and this can be verified by his personal physician ) to get his business. They then had him sign the contract. I tried to return the car XXXX days later and they would not accept it and the XXXX told him " GO GET A JOB ''. This is pure elder abuse. He is now XXXX months back on the payment and is unable to pay. The financial company ( TD Auto Finance, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) told him that they would auction the car and he is responsible for the remainder of the cost of the car. He is now XXXX months back on his payment and is unable to pay. Please help us in rectifying this issue. This is pure elder abuse. Thank you. 
Account # : XXXX. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
I purchased a vehicle from XXXX and I paid it off the first month, then about a month later I received a letter saying I overpaid {$100.00}. Chrysler Credit then included a debit card that said it was loaded with that amount. I activated the account and when I went to the gas station I went in the store as required. The attendant tried every different way to use it but it didn't work. I just want a check sent to me with that amount {$100.00}. I never wanted a debt card and at the end of the year they are going to charge me {$3.00} per month. I don't know if this is a scam or not, or they are trying to take advantage of seniors. I see nothing on their website where I can tell them about this problem. Please cancel this debt card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: JPMORGAN CHASE & CO.
State: CA
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 recently became aware of a billing error on my statement. Pursuant to 15 USC 1666d any credit balance in excess of {$1.00} should be credited or refunded to the consumer. I have identified in a billing statement issued on XX/XX/2023 in the amount of {$32000.00} should be refunded or credited to me the consumer. According to 18 USC 8 all debts public and private is the obligation of the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed a debt to an original credit grantor, ( XXXX XXXX XXXX XXXX ) some how ( MCM ) midland credit management was brought in to collect the debt, we ( MCM and I ) spoke via phone and U.S. mail, after speaking with them on the phone I advised a Division manager that I had received a letter offering me a settlement of the debt, the total was {$170.00} he asked if I could pay the debt I then advised him that I could and we excepted the terms and I paid the debt with my bank debit card, I received a notice of receipt and payment, I also created an account on their web site to monitor the payment and I downloaded and printed a copy for my records, on or about XXXX XXXX I sent a certified letter to XXXX division mgrs. at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX requesting that he or they the company contact the credit bureaus and remove the debt from my credit file since I had complied with their request to pay the debt, I have yet to hear back from XXXX mgr., I have received a letter from the other dated ( XXXX ) stating that I have no further financial obligation regarding my MCM account with no mention of the XXXX XXXX XXXX Bank account or that he had contacted them advising them that the debt had been paid and or requesting them to remove their notice of the debt from my credit file as I had requested that they both to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
BMW Financial Services informed during Covi19 no late fees or credit reporting while trying to make payments due to loss of job and earrings. They decided to change that in XXXX. I didnt received any notification via email or official letter in the mail. They have posted derogatory 30 days in XXXX and also XXXX when in fact they received full payment during the ten day grace period.Payment due date is XXXX of each month. Account is up to date but they continue to mislead the report past due in XXXX which is not correct. On the XXXX also the XXXX and on. They have changed the report several times with wrong information and not what should be up to date. They also explain that they added XXXX to derogatory while the no report to credit bureau and late fees rule still applied. Per BMW Financial above rule stopped applying on XX/XX/XXXX. As of XX/XX/XXXX they continue to mislead my report with XXXX past due as of XX/XX/XXXX This is unacceptable as the information is not correct they are not owed that money as the new payment is due XX/XX/XXXX for the regular monthly payment. 
I have disputed over and over with the bureau and they continue to change report to make it look the account is past due. Which is not. I have documentation to support. Also they have a recording via phone in case you need help during COVI19 when you ask about. They say is an old prompt and doesnt apply. We are still in a pandemic with loss of income and jobs. I find this actions irresponsible and careless as is certainly a game for this people to ruin peoples credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: I.C. System, Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$510.00}. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.

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 2023-06-08
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have inaccurate charges on my account the guy read the payments seen that they werent right then got angered and wouldnt give name or Id I have it recorded I have all paperwork of previous people who handled matter and it was placed on my credit after it was supposed to be token care by Hyundai finance

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 2018-02-08
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX from cbhv called about a medical debt I believed was paid last year by to another debt collection agency or to health quest directly. I asked her to return it as a dispute and she said she isn't going to do anything basically insinuating I was a dead beat she said obviously your not doing anything about this I again requested a dispute she again insulted me and hung up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The second mortgage with Bank of America was paid in full in XXXX of XXXX. B of A acknowledges it is paid off. I discovered in XXXX that B of A had never filed the reconveyance to release the lein. 
XX/XX/XXXX spoke with B of A and was told it would be 7-10 business days to fix and they gave me a lein release reference number of XXXX XX/XX/XXXX Spoke with B of A again and they said they had sent the release to the county for recording and it would be recorded by XX/XX/XXXX XX/XX/XXXX Called B of A for a third time after finding out from XXXX County that they had recieved nothing on this loan. B of A now says it will take up to another YEAR before they have it released as they dont have their correct paperwork

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 2023-11-29
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Hello, I am reaching out regarding PayPal Inc . I once was an account holder with this company until recently. The month of XX/XX/ my account was permanently limited, by the automated system per the details provided to me by the company call center representatives. I currently have funds still in my account and per the company I must wait 180 days to access what is rightfully mine. I am seeking help to get the company to release my funds to my back immediately due to me not having the means to allow anyone or any company to hold my money without permitted access. I am currently experiencing financial hardships which my {$750.00} would make a huge difference to me and my family right now. I can't wait 180 days to access my money, for any company to expect that this is acceptable is absurd. I have spoken with the proper channels within the company and was advised there was nothing they could do to over-ride the system autogenerated decisions. There are not any outstanding claims or anything on my account and I have properly verified my identity numerous of times. I am in desperate need of my money and would appreciate to have access to it. I am not pleased with the decision that PayPal no longer doing business with me, but what can I do. To say I would appreciate my money today is an absolute understatement. Please help me. I am a single mother of XXXX and XXXX is around the corner and my children deserves to be happy on that day just like everyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: SANTANDER HOLDINGS USA, INC.
State: LA
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:
I was a victim of XXXX data breach and inaccurate information needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: EQUIFAX, INC.
State: IL
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:
this company is stating that i had a late payment when i did not i tried to explain to them that they must have mistake with their system and that i always made my payments on time and my bank even stated to me that the payment was taken from my account in time and that it was not their fault. this company has refused to fix the situation even after numerous attempts. This is a violation of the FCRA all information must be truthful and accurate at all times and if not then this company can face possible fines and penalties in which i will seek for all of the complications i have had to go through to fix this problem they must show proof that it was my fault that the payment was ever late i paid them on time and they took the money but still put a negative remark on my credit which has impacted me negatively which is against the law. They state that my payment was late XX/XX/XXXX in which it could of very well been a problem with their systems due to corona related issues in once again you cant penalize a person if something happens because of a National Disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
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:
To Whom It May Concern, I am writing to file a formal complaint against TransUnion for their failure to respond in a timely manner to my debt validation request concerning the XXXX account number XXXX. This account is associated with a case of identity theft, for which I have previously submitted a detailed report. 

I sent a debt validation letter to TransUnion, as per my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that such inquiries be addressed within 30 days. However, more than 30 days have elapsed without any form of acknowledgment or response from TransUnion. 

This delay is not only frustrating but also deeply concerning, given the nature of the issue at hand. The account in question is involved in identity theft, a matter that requires prompt and serious attention. The lack of response from TransUnion has caused significant stress and uncertainty, exacerbating the already challenging situation of dealing with identity theft. 

I have attached a copy of the original debt validation letter sent to TransUnion, along with the identity theft report for your reference. I urge the CFPB to intervene and ensure that TransUnion adheres to its legal obligations under the FCRA, providing a prompt and appropriate response to my request. 

Thank you for your attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer.

Enclosures : Copy of Debt Validation Letter sent to TransUnion Copy of Identity Theft 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 non-monetary relief