BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX DOBXX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Dear XXXX  XXXX XXXX Im writing to your company today inference to the account number listed above. I recently view my credit report and disputed this information with the credit bureau keeps saying that the account is reporting correctly. I noticed some serious violation of the federal law. And the fair debt practices act on your behave first of all this account is charge off- you didnt indicate in your reporting who the debt was transferred or sold to major violation! 
Violation number 2 there is no dos or dola listed on the account. This is a violation! 
3 FCRA 623 states that the creditor must must enter a noticed of consumer dispute if this information has and must entered on the credit report you have failed to do this as well. 
1. Also you are reporting a balance on a account that you know longer own this is a major violation you are not allow to report a balance. 
2. Also you are reporting a past due balance on a charged off account if you charged off this account their should not be a passed due balance on a charged off account 3. XXXX XXXX XXXX there is a serious violation you are committed and you are not following the FCRA and the FDCPI ask that you delete this account from all three my credit file ASA If 4. You do not delete these serious Federal Violation immediately I will file suit you

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 2021-09-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I went into a TD Bank on XX/XX/2021 to deposit two checks. One for {$840.00} and another for {$30000.00}. When handing the check to the teller, I asked if the check needing to be endorsed by the other parties on the check. The teller told me no and continued to deposit my checks. By XX/XX/2021 both checks were returned, causing fees and overdrafts. I contacted TD Bank, which their phone reps told me both checks would be reissued in 7-10 days in order to be redeposited. I still have not received those checks. Ive followed up numerous times, no one has any idea where the re issued checks are. I was told any branch can re-print the checks for depositing and when I went, I only received a copy of the transaction not an actual check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on the BANK OF AMERICA. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2022-02-07
Company: CITIBANK, N.A.
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2022-02-07
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
After recently returning home from traveling, I got my mail only to find four different CashApp debit cards for accounts I did not open. As a result, I determined someone must have fraudulently opened the accounts through CashApp in an attempt to get me to activate the card once I received it. Instead, I immediately reached out to CashApp, but as of yet have not been able to get a written confirmation from their support teams that all four fraudulent accounts have been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Prosper Marketplace, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a denial of credit letter from an Application that I did not submit. 

I received from Prosper, a letter denying my application for a loan. The letter indicated that Prosper had reached out to me in prior correspondence to offer a smaller loan. No prior communications had been received by me. 
I requested a copy of the Application Prosper had for me. The employees assured me Prosper could not provide a printed copy or electronic copy. Employees offered to read the application information to me over the telephone. At this point I asked, what if I am the hacker, you are going to read the information to me sight unseen? XXXX, the person on the Customer Advocate Team, in the absence of a manager that I had requested, proceeded to read my street address to me, then  I stopped him. During the conversation I became aware that they were using a name I have not often used in the last 20 years, know my address, email, and year of birth. I told them that it was unacceptable for me not to be able to SEE the information that they had on me, without my consent. 

I admit around the time Prosper alleges an Application was made, I was looking at rates for personal loans, but I did not submit and application to Prosper. Without my making an actual application and consenting to providing Prosper information Prosper should have no information on me. 

I asked what government agencies regulated Prosper, and initially was told none ( under which they operated I think was my initial question ) That answer was later justified by " We Are Not A Government Agency ''. I then asked which agencies performed oversight and provided regulations that Prosper had to comply with. XXXX who was supposed to be a supervisor, said he did not know. 

XXXX did tell me that Prosper is Prosper Market Place LLC dba Prosper Funding LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX said Prosper is a pier to pier lending organization with no federal control, but XXXX confirmed that Prosper answers to CFPB. Therefore I am writing to you to find out how I SEE ( i.e. obtain an actual replica [ PDF of hardcopy ] of the information from their database ) 1. what information was submitted to them that gave rise to the denial of credit email I received 2. who sent it to them 3. who Prosper sent counter offers to 4. under what authority that initial information was provided AND Answer the Question of HOW DO I GET ME OUT OF Prosper 's DATABASE COMPLETELY. 

IT IS NOT ACCEPTABLE THAT PROSPER HAVE ( OR HAVE HAD ) INFORMATION THAT PROSPER IS WILLING TO SHARE BY TELEPHONE ABOUT ME AND CAN NOT PROVIDE ME A REPLICA SO I CAN SEE IT MYSELF TO BE FULLY APPRISED OF THE INFORMATION IN THEIR HANDS.

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 2018-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX collecting for Bank of America. They are reporting negatively on my credit report and I have sent them several validation of debt request letters requesting them to furnish signed documentation as a validation of the debt and they have not done so.

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 2021-08-04
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
The account was open with identity theft info, the person using my info open this account. This is a fraud account, I contact the mortgage company and send them everything they asked me to prove that Im not the same person that open the account. But last time I call they said that they didnt found anything with my name or social but the account still is in my credit. Im m tired and stressed too much doing for not getting anything solved.

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 2018-01-04
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I submitted a credit card application with American Express which was approved. The application required my physical home address. This is the same address which was included on the credit card application. 

Our mailing address for four different locations including my current address are forwarded a post office box. One credit card was delivered to my physical home address. I added three authorized users explaining to American Express that the additional cards could be forwarded to our post office box. 

Attached is a copy of a letter in which American Express changed my physical address and is requesting my physical address. I called the company several times requesting to speak with a supervisor. The supervisors never returned my call. American Express suspended my purchasing privileges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows 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 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 2019-07-31
Company: BB&T CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Do not finance with Regional Acceptance they will ruin your credit and trap you in a loan agreement where you are not able to reason trade if you are upside down this loan company is terrible.

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 2018-01-04
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Medical Data Systems has continously placed collections accounts on my credit report between the XX/XX/XXXX and XX/XX/XXXX.  On several different occassions I have disputed the charges because of errors in billing by XXXX XXXX and the accounts being sent to collections before the federally regualted 120 days. On several occassions the results ofnthe disputes have requried that Medical Data Systems remove the collections accounts. The accounts are then removed but after few months the accounts are added but the origianl creditor has been changed from XXXX XXXX to XXXX XXXX. I have contactd XXXX XXXX and they have confirmed that no balance is due at this time. In addition to the disputes, several of the accounts have been paid in full to the original creditor and the legal owner of the collection accounts which is XXXX XXXX XXXX. For example one of those accounts is a medical bill with a balance of {$67.00}. This account balance was paid to XXXX XXXX via personal check and proof of verification was provided to Medical Data Systems but they still refused to remove the account as requested by XXXX. After speaking with XXXX on several occassions they stated that they were still the legal owner of the account and that the acocunt was sent to Medical Data Systems for collection purposes only. I then  contacted Medical Data Sytesm and requested that provide me documentation whichs states that they are allowed to post information on the three major consumer reports on behalf of XXXX and they refused to provide me any documentaion They then stated that no document existed and that they were contracted by XXXX to collect debts. 

I then inquired about validaiton of the debt and Medical Data Systems mailed me copies of my hopsitla bills with all my patient information including services provided by my medical provider. Under HIPPA Act of 1996 Regulations, XXXX XXXX was provided authorization and.or permission to have access to my perosnal medical information. Without my personal medical information Medial Data Systems would not be able to legally collect any balanced owed. They would also not be able to provide the needed information to get the debt paid.

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 2022-02-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, Thank you for reading my complaint : I had been contacted by a company name XXXX XXXX and they had offered me to fully Auto managed my shop and my business and I had spent few hours with one of their salesman and he kept promising me that they would be able to do this for me and I had told them that would be kind of impossible since after 30 years in business, it never worked in multiple times to reach this goal at least for me. They offered this service for {$15000.00} and they kept saying that they have ability to do all the work for me and I had to sit back and relax. They asked for {$5000.00} deposit and I paid them with my American Express card and very next day they sent me a link to go and watch 25 VIDEOS to be learned by me so I can know how to do this AUTO MANAGE for my business. This was more than JOKE and I called back and asked for refund ( The contract said that I have 30 days to cancel without any reason on both side ) and I had called less than 3 days. I'd opened dispute with American express and since then American express has made joke out me and keep closing the dispute case with no reason .I keep calling them and all of the dispute personal agree with me and tell me this is so stupid and unfair BUT after 2 hours the case is closed and we have to go on same circle again and again and again. I am not asking American Express for a favor and I have had supplied them with all information and documents they wanted me to but their dispute department do not care and they keep playing with me. I have called their super wiser and thought they would help but she ( XXXX ) kept talking none sense and telling me that, they paid this company and they don't want to make refund so American Express is loosing money!!!!!!!! Please can someone help me out here? Thank you so much again for taking your time and reading my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
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 fraud alerts or security freezes

Complaint:
I previously placed a fraud alert on my credit profile. I have submitted documentation twice to the bureau to ask for the fraud alert to be removed however it remains. I have attached proof of identity to this complaint including a picture of my photo ID and social security card.

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 2021-03-10
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX was told fraudulent charge of a dollar advised I know about transaction and it wasnt fraudulent nothing further XX/XX/XXXX my directed deposit was put into my account when I went to use the card denied tried netspend app said account locked contacted customer service 6 times to keep being told I need to send documents to verify my identify over unsecured email even though the website says not to they want my social card driver license and proof of my address to unlock my account I refuse to send through email told them because the website says not to and that if I cant send through secure inbox to call I asked if they could close the account and just send a check with my money they put request in was denied because I need to verify my identity I keep getting the same run around and now refuse to pay me what is mine with no way to resolve my issue

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 2020-04-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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 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 2017-07-13
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage of XXXX. XXXX, NJ had stated that they sent a check for an escrow overage. I never received the check from PHH. I contacted PHH a few weeks after I did not receive the check and they stated they would have a new check issued. I waited another 14 days and contacted PHH again. At that time PHH told me my loan was paid off, it was not paid off as my loan was just opened a year ago. I told PHH that my loan was still open and that I wanted my escrow disbursement. PHH then told me that the check sent for the escrow overage was " cashed. '' I stated that I did not cash the check. PHH then told me they would send me a copy of the cashed check in 7-10 days. After not received the supposed  cashed check I contacted PHH again. PHH again stated that they would send the cashed check. I have not received the cashed check or the check that was not cashed. They have been a nightmare to work with.

Company response to consumer: Closed with explanation