BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-19
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 information incorrect

Complaint:
This a formal complaint against Transunion located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair credit reporting act and has caused me unnecessary financial and mental distress. They continuously report erroneous and unverifiable accounts on my credit report, not to mention accounts that I ask for proof of claim in which they have yet to provide after multiple disputes per FCRA. Despite my efforts to resolve this unfortunate nightmare for several months, Transunion has completely ignored the properly investigating all legal submissions to remove these inaccurate accounts from my credit profile. Im well aware of the many complaints filed against this company for unethical business practices. Yet somehow this company is still in business. This companys negligent behavior has caused lots of harm, not only to my ability to establish good credit & get lower interest rates, but also to my character as a professional individual. Please help me and other consumers put a stop to their unethical business dealings immediately. I thank you for your time and consideration to this matter.

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 2019-10-31
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This bank has been against me and refuses to process any of my store credit cards applications they immediately decline me with no reason not fair they hate me my XXXX XXXX XXXX XXXX XXXX this is not nice

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 2018-07-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
First of all I was told by the police I should go to the hospital which they suggested upon seeing my condition. I was badly beaten and robbed. I was treated at the hospital as a crime victim they took my police report incident no and everything. When discharged I was told to go to a different hospital within a week to have a check up for my ear and to come back to the hospital to do some paper work for crime victim. I went to the hospital and completed and provided all the paper work needed. 

When debt collection company kept calling me I kept telling them what happened and they never told me I could dispute it but asked me to send them my insurance which I wasnt liable for or asked me to call crime victim compensation, upon calling them they werent of any help whatsoever. 

Debt collection kept calling me but never mentioned I can dispute it every time I will explain them my situation. Once I knew I can file dispute I asked them to do a dispute representative told me okay and it will be resolved within 30 days. Months pass and today I get a call again regarding the same collection as if its their first time calling me. 

This is having a bad impact on my credit score and I am not being able to improve it due to this collection

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 2018-03-28
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/XXXX, I sold virtual currency " XXXX XXXX '' valued at {$2900.00} USD through Coinbase.com, a cryptocurrency exchange. They have never deposited the money into my checking account and I have had repeated interactions with their customer service where I was given unresponsive, inaccurate, or incorrect information as to the status of this transaction. I have spoken with customer service representatives named XXXX, XXXX, and XXXX, and Supervisors named XXXX, XXXX, and XXXX. None of them have given me conclusive information as to the nature of the delay or when I can expect payment. As of XX/XX/XXXX, more than 3 months later, I have still not seen these funds and have no idea when I can expect to. The last interaction I had with Coinbase customer support, they indicated I might consider reaching out to their legal team.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Last month the Wells Fargo Bank on XXXX XXXX in XXXX, NC allowed an unauthorized person to withdraw a total of {$14000.00} from my checking and saving accounts. I spoke in detail with the branch manger however he was not the person who appoved the transactions to my knowledge. The accounts were then closed verbally by the same person that withdrew the money. While doing my own research to figure out how this happened I noticed that one the same day this same person used the online portal to change my personal information. I know who this person is because I had a restraining order on them for hacking into my electronic devices and email on a separate occasion. I asked the branch manager to provide me with any documentation that authorized this person to be on my account and he was not able to do so. He did however provide me with an email that stated there were no documents that could prove I gave her access to my accounts. It appears that the bank literally gave my money to someone who had no claim to it. Nine days ago I submitted this claim to the OCC the next day I was told that it was referred to the CFPB and after 5 phone calls over the last two days I 've come to conclusion that my claim is being ignored. At this point I 'm prepared to move forward with my lawyer in this matter after trying repeatedly to get it resolved.

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 2023-06-20
Company: Happy Money, 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:
This company has used and shared my private information with other companies which caused more than one inquiry on my credit report this company is in complete violation of the fair credit report and act they did not receive consent written consent from me to obtain my credit report or to share my personal information with other companies I clearly requested my credit report and seen that this company was on there as an inquiry I reached out to the company to see if they can remove and delete the items that they placed on my credit report unlawfully the company has not responded in no way while disputing with another company that was an inquiry on my credit file this company has admitted that the same company shared my information with them and that is how they in turn put it in XXXX on my account both of these companies had no permissible purpos.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Toyota Financial Services REFUSED TO CORRECT THE PAYMENT DUE DATE - WHEN I PURCHASED THE VEHICLE. My payment date should have been XXXX of the month. Instead, they are sending incorrect payment due dates to the all the credit reporting angenies. No matter how many times I bring to their attention that the INTEREST RATE SHOULD NOT BE MORE THAN MY PRINCIPAL. They REFUSED TO CORRECT THAT AS WELL. I will like to be this CORRECTED AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal sent me a check payable to my XXXX username. The username was close enough to my real name to deposit. The check came back as a chargeback! I contacted PayPal months ago and they refuse to get back to me ( either reissue the check or respond in any manner ). This cost me {$25.00} in chargeback fees as well as an account closure due to their fraud. 

The {$1500.00} I deposited with them is shown as withdrawn via check, a check they stopped payment on and purposefully made out to an XXXX username, despite instructions given to them on their website. My money is in limbo.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-19
Company: PLANET HOME LENDING, LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE APPLIED FOR FINANCIAL ASSISTANCE DUE TO BEING LAID OFF OF WORK. I COMPLIED WITH PLANET HOME LENDINGS REQUEST FOR DOCUMENTS AND WAS INFORMED THAT MY FILE WAS DEEMED COMPLETE ON XX/XX/18, I WAS ALSO INFORMED THAT THEY ARE NOT GOING TO POSTPONE MY SALE DATE BECAUSE THEY HAVE 30 DAYS TO RENDER A DECISION WHICH WILL BY NO LATER THAN XX/XX/18. HOWEVER, IF THEY DENY ME DUE TO AN ERROR ON THEIR BEHALF I WAS INFORMED THAT WORSE CASE SCENARIO THAT I WILL BE ABLE TO APPEAL THE DECISION WITHIN 30 DAYS OF DENIAL, I ASKED THE REPRESENTATIVE THAT I SPOKE TO IN LOSS MITIGATION HOW CAN I APPEAL IF THE SALE IS IMMEDIATELY AFTER THE DECISION AND HE SAID I CANT. THIS IS NOT FAIR, I HAVE READ THE CFPB GUIDELINES AND THE MODIFICATION GUIDELINES REGARDING SALE DATES AND THEY BY LAW HAVE TO POSTPONE THE SALE DATE AND IT APPEARS PLANET HOME LENDER DOESNT CARE ABOUT THE LAW AND DOING WHAT THEY WANT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there's still an account that needs to be UPDATED : XXXX XXXXXXXX Balance : {$230.00}

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 2023-05-12
Company: ERC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 1. XXXX ( XXXX XXXX XXXX ) 2. XXXX XXXX XXXX ( XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/XXXX I changed my email address for my Capital One credit card account. I was about to lose access to the email address I had been using. On XX/XX/XXXX I was advised that Capital One was sending account correspondence to the old email address. I reported this to Capital One. 

On XX/XX/XXXX Capital One sent a required privacy notice to that incorrect email address. I contacted them again. They asked me to do no end of things but can't say that any of them have rectified the problem. They don't seem to care that they're sending confidential information to an email address that is no longer mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i opened a tjx rewards card which is handled through XXXX XXXX. on the date of purchase i was given a pass to make my purchase. unbeknownst to me when synchrony opened my account they created an original account with the number on my pass and then another account which they created for the card. why???? so without my knowledge i now have two accounts with this bank. when i went to make a payment for that solo purchase on the first account the charge was on the second account so i ended up with a credit on the first account and a {$26.00} overdraft fee ( for a {$25.00} balance ) on the second account. i filled out paperwork and had one transaction with this company. how did i end up with two accounts??? now synchrony is researching this and telling me it will take 30 days until they can process this and close both the accounts. sounds like a long time 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 monetary relief
Consumer complaint received 2019-01-09
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company has threatened me and placed fraudulent collection on my 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 explanation
Consumer complaint received 2020-12-02
Company: ALLY FINANCIAL INC.
State: OH
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 have filed a dispute in regards to the incorrect items on my Credit Report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
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 disputed this inaccurate, erroneous, unverifiable account entry with XXXX  XXXX XXXX as well as the credit bureaus. In my most recent communication ( see attached ) to XXXX XXXX XXXX, I specifically requested that they provide a copy of the financial responsibility page as well as provide a copy of my signature with the provider of service to release the alleged medical information to them. To date, XXXX   XXXX XXXX  has not. Additionally, upon XXXX XXXX XXXX receiving my dispute, I requested that they cease any and all credit bureau reporting until the debt had been validated by me. They did not. They continued to report this inaccurate, unverifiable entry. XXXX   XXXX XXXX has blatantly violated my consumer rights under the FCRA and FDCPA. 

Account Resolution has not provided : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary The mere letter on their letterhead lacks veracity to the accounts they are reporting on my credit reports. Nothing is substantiated in the arbitrary amounts that are alleged. Delete this entry immediately from all of my credit 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 2018-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened a credit card account with Capital one in XX/XX/XXXX and I have had up to three cards from that time until now ( XX/XX/XXXX ) I have two cards from Capital One now and my complaint refers to both but specifically one which I had since XX/XX/XXXX. My payment record is excellent with all my cards. I have applied for credit increases many many times and was only approved for {$100.00} one time. I was told they would automatically increase my limit. Through those year my credit most of the time was at least good to the point I purchased one home and paid for it was approved for at least 15 credit cards with limits of {$600.00} to {$7000.00} I have purchased another home and have been approved for refinancing of $ XXXX.ihave chosen to only have four credit cards now with the maximum limit at {$7000.00}. My income as reported to Capital one for my credit increase was {$120000.00} last year. On XX/XX/XXXX I applied for a credit increase and was told I needed to make larger payments because my payments were to low. I hav paid this card off twice because it started with a limit of {$900.00} and almost 20 years later it is {$1000.00}. My minimum payment is {$30.00} and I made payments ( always on time or before ) of {$260.00} in XX/XX/XXXX and XX/XX/XXXX, {$50.00} in XX/XX/XXXX and {$150.00}. In XX/XX/XXXX and XX/XX/XXXX. There isnt any other reason for this but discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive been disputing this from the time it was reported. Its a result of identity theft using my information. I didnt open this account or have knowledge who opened it but the original creditor bank acknowledged its not me who opened it thats why XXXX and XXXX removed it from my credit report long time ago. Only XXXX is saying this account is accurate every time I dispute it but do not provide information on how they conduct the investigation if they even did an investigation. Its not fair to be pursued by collection agency trying hard to collect money that I didnt owe them and keeping my credit score down even though Im paying the legal credits I owe by the thousands of dollars to credit card companies that I opened myself. I have no carried balances on all of my credit cards because I pay all of them on time and in full. 

Midland Funding has no right at all to keep collecting money from me in a XXXX manner calling me day and night.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi my name is ... ... ... ... my bank account is XXXX XXXX the sole owner of that account. I recently had an issue with chase bank. There was an unauthorized transfer of XXXX from my bank account to ( XXXX XXXX XXXX XXXX account. I called chase while the money was still in that account and asked them to freeze it. Chase put me on hold for a long time and mean while the money left that account to another unknown account that me. Ive called chase numerous times and they refuse to release my money. That account is a XXXXt account with my XXXX, but I had XXXX XXXX calling my entire family letting them know he stole the money because I wouldnt answer the phone. He called my XXXX XXXX told him he took the money because I was spending too much. So why isnt chase doing anything? 

I recently received a letter from chase stating they will hold the money until a notorized letter by me and the XXXX account party is received. I will not be sending any letter to chase notorized made sure they knew so they wouldnt release the money while I take legal action. 
How is chase still operating? Why are they discriminating against a XXXX female?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Law Offices Howard Lee Schiff, P.C.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt is owed to XXXX. XXXX did not give us enough time to resolve the debt with them before sending it to a law firm. I am attaching what the law firm sent us due to it not looking like it is filled out correctly. 

Since I have already filled out the form. I would like to ask about other debt and who I can speak with. I also owed a credit card company approximately XXXX dollars. They took me to court and did I had no idea what I should do. Of course I did nothing and now that XXXX debt is a XXXX lien against my house. How can unsecured credit card debt get a lien against your house.

Company response to consumer: Closed with explanation