BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-30
Company: Fair Capital
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a phone call on XX/XX/2019 saying that I have debt ( {$300.00} ) owed to XXXX XXXX XXXX, which I never visited before. The representative says she is from FAIR CAPITAL LLC. XXXX License # XXXX XXXX. 

The company also knows my personal information, so I'm afraid it is either a fake debt collection company or it is a real one that steals my personal information to scam me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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 have file 609 disputes with each of the three bureaus asking for debt verification on all collections in the form of writing and certified Mail asking for information on any collections along with two different documents providing my identification I have not received any information all I have received was a email saying the unverified debt was correct information I dont understand how they can investigate without me seeing any information when the law clearly states to report off information in writing if not remove the collections they are not verified

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 2019-04-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a refund from the merchant XXXX  for XXXX. I contacted the merchants bank and it cleared as of yesterday. XXXX XXXX XXXX placed the credit back into my account but then charged my account a " Merchant Credit Hold for Review. '' in the exact amount of the credit that cleared. I feel this hold was unnecessary and causes me unjust finical strain. The transaction has been completed by the merchants bank and the hold is entirely XXXX XXXX XXXX. I feel I am due interest for each day XXXX XXXX withholds my XXXX of my balance from me. The hold on my account is for the exact amount of the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a bill from a company called XXXX XXXX XXXX XXXX for a dialysis treatment ( date is XX/XX/18 ). I do not get dialysis. Ive never visited this facility or live in the area. And I legally changed my name but the bill is under my old name - which I did not have at the date above. The bill amount is {$1000.00}. 

The collection agency is called XXXX XXXX XXXX ( XXXX ). Ive spoken with them twice and they say they do not have the contact info for XXXX XXXX XXXX. And I can not find them online. So I have no way to contact the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: WI
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom may concern, I would like to know how are you verifying these accounts when there have been several of data breaches with XXXX, XXXX, and others. Due to these breaches I have grounds to class action lawsuits which I prefer just to get the items deleted. Also humans in the flesh can not have accounts ONLY accounts stated and ONLY businesses can have accounts. Please remove these accounts immediately due to they are illegally reporting on to my report. 

XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-07-27
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Good evening, On XX/XX/2019 I purchased a XXXX XXXX ticket using Chase Ultimate Rewards Points with my Chase Sapphire Reserve Credit card. XXXX XXXX canceled my return flight and issued me a partial refund for {$150.00}. XXXX informed me on XX/XX/2019 that the refund was processed. It's been weeks and Chase refuse to refund my account. 
I waited the appropriate amount of time for the refund to appear on my account but it never did. I contacted Chase Card services using the secure messages feature and informed them of the issue. Chase told me the refund processed to a different credit card number from the one I have, and that I'd need to work out my refund with the airline. I contacted XXXX again, who informed me that when a customer books a flight with credit card points, the credit card company itself reserves the flight through a partnered travel agency, and that XXXX had reimbursed Chase 's partnered travel agency, because XXXX can only reimburse in the exact method in which the flight was reserved. 
A XXXX representative told me to contact Chase again and tell the credit card company to reach out to their agency, confirm the {$150.00} reimbursement, and then forward the refund to my account. I messaged Chase on XX/XX/2019 and told them this issue and asked them to confirm my refund with their agency. Chase sent me a repeat semi-automated response to contact XXXX again, and claimed that I hadn't booked the flight using Chase ( even though I definitely booked the flight with Chase Ultimate Rewards Points and I have the email confirmation to prove it ). Chase customer service is sending me in circles, refusing to follow up with their own travel agency, refusing to read the messages I sent them with pertinent information, and refusing to process my refund to my account. I have spent over twenty hours contacting Chase and two months of frustration waiting for my refund. 
Furthermore, when I spoke to a Chase representative on the phone on XX/XX/XXXX she was less than helpful. She told me XXXX cancelled my return flight because I'd failed to arrive at the airport for my departing flight ( this was false and easily disproved. I'd flown on the departing flight the day before ). She was also unable to receive emails, so I couldn't show her the XXXX flight or refund information. When I learned I could not forward documents to Chase employees while on the phone, I decided to use the secure messaging. But this method of communicating with Chase has proven just as ineffective. 
I am attaching to this complaint all of my messages with Chase, proof that XXXX processed my refund, and proof that I purchased the flight through Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XXXX/XXXX/2017, I signed a dispute letters and mailed them to all XXXX credit bureaus.
In the letters, I asked for my name to be correctly reported. I enclosed both my ID and Social security card. I also disputed my personal information online. I received results from Transunion on XXXX/XXXX/17 stating my name was updated. However it was still Incorrect.
My Name is : XXXX XXXX XXXX They have me listed as XXXX XXXX. That is not my name.

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 2022-01-12
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
TD BANK # XXXX XXXX I do not receive statements from this bank. 
I called on XX/XX/22 to ask why, and was unable to verify my account, so no one would help me. 

I asked them 1 ). When was this account opened? 
2 ). Why don't I get ststements? 

No answers...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-27
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a call from an unknown number from XXXX area code. I called the number back and a woman answered the phone. I told her I had received a call from this number and how could I help her. She asked if this was XXXX. I stated yes. She asked me my date of birth. I told her I was not going to give my date of birth over the phone until I knew what this was about. She got angry and told me she had my name, my address, my date of birth and my social but couldn't tell me why she was calling until I gave her my date of birth. I said no unless she identified the purpose of the call. She hung up on me. I cross referenced the number and it is HP Sears from XXXX. It is a collection company. I have never received a single bit of correspondence from HP Sears and have no idea why they are calling. I have had my ID stolen and my passport. I am not just going to just give my DOB to anybody over the phone for no reason other than they want to be rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: Netspend Corporation
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I was emailed that my card was frozen due to the fact it was stolen or lost which it was not because I had the card on me the card company then put me thru various checks to verify if I was in fact the person who is authorized to have that card after I went thru that for several hours to prove I was in fact the cardholder I still was not allowed access to my account I could not understand why they failed to tell me that XXXX dollars was taken out of my account the only way I found out is because 2weeks prior I had to issue a new card to my wife and she received the new card on XXXX the XXXX had it activated check my account for me and found out I only had XXXX dollars left in the account I then called the card company in which they told me I could file a dispute we did go over my statement of my last transactions over the last 24hours and that's when they read to me that on the XXXX of XXXX I suppose to have transferred XXXX dollars out of my account I told them that is not true I never took any funds out nor did I authorized anyone else to do so currently at this time they have my dispute under investigation I have not submitted any letter yet because I'm a XXXX XXXXr on the road and it's difficult for me to get that done but I am going to get my roommate to do so for me I am also going to call them today which is XX/XX/XXXX and ask that extended credit be issued me someone took my money they seem to believe that I did THEY ARE WRONG I do need help I want my money back and those who stole it arrested

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 2019-01-30
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been placed on collections by : LVNV FUNDING LLC # XXXX C/O RESURGENT CAPITAL SERVICESXXXX XXXX   XXXX XXXX , SC XXXX ( XXXX ) XXXX-XXXX.. 

I requested documentation proving this account beloved to me, and have not heard from them to this date. The company is showing in my credit report and is unable to provide written documentation i have requested to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion is reporting inaccurate information on my file. I have sent correspondence and have contacted them via telephone on numerous occasions to have same corrected. The company is willfully and negligently non-compliant.

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 2018-01-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a CitiBusiness platinum credit card which offered XXXX XXXX XXXX bonus points if you charged {$3000.00} in the first 90 days. I did fulfill this requirement but Citi said I had opened or closed a credit card within the past 24 months which disqualified me from the bonus points. They stated that I closed my last CitiBusiness card in XXXX of XXXX, which is not true. 

My final payment on my previous card was XX/XX/XXXX, and I called and cancelled the card on XX/XX/XXXX and at the same time confirmed a XXXX balance. Citi has no recording or any verification whatsoever that documents their XX/XX/XXXX date. 

I have made 3 calls to Citi with this information and they still send me a form letter stating that I had opened the present card in less than 24 months. I spoke to a supervisor by the name of XXXX in my last conversation on XXXX XXXX who stated she would contact the department involved ( I would not be able to talk to them directly ) and would call me back the next day ( XX/XX/XXXX ). I authorized her to leave a complete message on my message machine if she did not reach me. She never called.

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 2021-09-10
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE BEEN DISPUTING INFORMATION FOR THE BETTER HALF OF A YEAR WITH TRANSUNION ON SEVERAL TRADELINES. TODAY XX/XX/2021 I SPENT OVER AN HOUR ON THE LINE WITH A TRANSUNION REPRESENTATIVE TRYING TO GET INFORMATION ON WHAT IS BEING FURNISHED TO THEM TO PROVE THAT THESE INACCURACIES ON MY REPORT ARE CORRECT. I WAS ADVISED I WOULD HAVE TO GET A SUBPEONA TO GAIN ACCESS TO INFORMATION THAT WAS BEING PROVIDED AS PROOF OF ACCURACY ON MY OWN CREDIT BUREAU. I WAS DENIED PROOF OF INVESTIGATIONS. I WAS REFERRED TO THEIR DISPUTE FORM ONLINE WHICH I HAVE DONE SO MANY TIMES BEFORE. I WAS ADVISED BY THEIR REPRESENTATIVE THAT THE INFORMATION BEING FURNISHED ON MY XXXX IS FROM THE CREDITOR AND THAT THEY BASICALLY HAD NO CONTROL. PER FCRA THE INFOMORMATION MUST BE VERIFIED AS ACCURATE AND I HAVE YET TO BE FURNISHED PROOF OF THE ACCURACY. I HAVE BEEN BOUNCED AROUND FROM CREDITORS TO BUREAU. THIS IS A WAY TO PROLONG THE SITUATION AND IN THE END CAUSE DAMAGE TO MY REPORT AND MENTAL HEALTH. THIS SITUATION HAS CAUSED NOT ONLY SERIOUS MENTAL ANGUISH BUT MAJOR 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 2018-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX IS FAILING TO DELETE THIS ACCOUNT AS INSTRUCTED BY XXXX XXXX XXXX. AUTO LOAN NO.XXXX. THE F.C.B.A. DISPUTE HAS EXPIRED 36 DAYS AGO.

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 2018-01-05
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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion Customer Service would not help and take care of the negative inquiries reporting to my credit report XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX via 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 explanation
Consumer complaint received 2019-07-27
Company: EQUIFAX, 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 am very frustrated at this time, my concern was not properly handled by XXXX credit bureaus - Equifax, XXXX and XXXX. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting alws and requisite standards. The accounts XXXX XXXX XXXX, XXXX XXXX, accounts payment history were not correct and is not a charge off. Charge off but with balance? Is that even possible? Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian is impossible to reach to place a credit freeze on my credit. Both XXXX and XXXX were able to freeze my credit online. Experian can not verify my identity online, by phone, OR BY MAIL WITH PROOF OF IDENTITY. I 've simply been rejected for a credit freeze no matter which route I take, and it is impossible to reach a live human being to sort out the issue at Experian. Experian seems to be intentionally frustrating consumers and making it difficult to place security freezes through any option they make available including mail. How am I supposed to protect myself when I ca n't place a credit freeze by design? This company should be reprimanded for not providing the services they claim to offer and intentionally defrauding consumers as a shady credit bureau.

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 2019-07-27
Company: Experian Information Solutions 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 am very frustrated at this time, my concern was not properly handled by XXXX credit bureaus - XXXX, Experian  and XXXX. I've been writing letters for months now and did not get a clear explanation why they keep on saying the accounts were verified. Please carefully look at my name, social security number and date of birth. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. All claims, true or not must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP of my responsibility and or compliant to any and all applicable reporting alws and requisite standards. The accounts XXXX XXXX XXXX, XXXX XXXX, accounts payment history were not correct and is not a charge off. Charge off but with balance? Is that even possible? Remove this thing from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved

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