BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
having issues getting my credit report sent XXXX  information they have not responded

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 2020-10-15
Company: The CMI Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt is regarding a disputed XXXX  XXXX bill from XX/XX/XXXX. 

I have not resided at the premise in question since XX/XX/XXXX. At the time I moved I transferred the service to a new address with XXXX to a different service address. I have paid all obligations in full at that address, and at the subsequent address. 

I was contacted regarding the outstanding obligation, was told the dispute had been registered and was resolved in my favor. 

The agency handling the debt has now placed a collection on my account in spite of my being told it was successfully disputed. 

The agency has damaged my credit with respect to a fraudulent debt obligation that is not mine

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22
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: Old information reappears or never goes away

Complaint:
Account XXXX is over 8 years old and all three credit bureaus continue to report. This account needs to be removed ASAP! it is over the 7 year mark and thus reporting agaist my consumer rights.

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 2021-02-13
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved out of XXXX XXXX apartment complex, XXXX XXXX XXXX FL, XX/XX/2020. They refused a final walk through and told me they had my forwarding address. I didn't give full 60 days notice and filled out paperwork stating the balance I would owe for the 15 days in XXXX. For months I never hear from them until I hear from a collection agency one night named IQ Data. I had read about this in some online complaints about the complex, but I had lived there 10 years and never late on rent or anything. I had a few maintenance issues, but that was it. I never thought this would happen to me. I had a good relationship with office personnel and management. So approximately 4 months later I'm called by a very rude and yelling young lady at about XXXX one evening that I owe an amount over {$1000.00} because of damages. I responded there weren't any damages to the apartment and that's why I asked for a final walkthrough because I was out 2 weeks prior to the end of my lease and could've had anything repaired if they said it was damaged. I finally received a letter from IQ data and responded saying I wouldn't pay without an itemized list of the damages. they sent a letter saying " damages ''. Not what was damaged. I am more than willing to pay what I owe, which should be less the {$150.00} deposit they kept for " damages ''. If you call IQ Data and ask for the person on the letter they always say that person isn't there and the same guy just yells. Now they've put this on my credit report which dropped my credit 90 points.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on XXXX and paid for it with XXXX using Capital One Quicksilver visa card ending in XXXX. 
XXXX Item Id : XXXX, Transaction Id : XXXX. XXXX Transaction ID : XXXX The original listing claimed the item was open box/customer return and under manufacturer warranty. The item I received was tempered and the XXXX XXXX XXXX was swapped with a 750GB used hard drive inside the enclosure. I contacted Capital One and disputed the transaction. The seller XXXX updated item description and changed the item description to not working/no return. Capital One closed the dispute in seller 's favor based on the non-working description which was added after I made the purchase. 

The XXXX item after description was changed https : XXXX? XXXX & XXXX XXXX History for this item XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Item revision history clearly shows on XX/XX/XXXX after all 50 items were sold, seller modified item description and title XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am very disappointed to see the seller dglet was able to get away with $ XXXX fraud ( 50 transactions at {$79.00} ~ {$89.00} per item ) and no action was taken by XXXX/XXXX/credit card company. From reviews I can find online the same seller has been involved in this type of fraud for years XXXX XXXX XXXX XXXX XXXX XXXX " This reseller bought to seagate a bunch of hard disks without warranty and he advertised as with warranty. I made the mistake to buy 1 as it is advertised " As good as new '' It came faulty, he refused to help, he asked me to call XXXX XXXX. I called and gave serial number, they confirmed that item was bought without guarantee from XXXX as a product faulty that may work, but not guaranteed. I have email from XXXX  that explained that this item has no warranty, but seller still insist that it has warranty with manufacturer and he refuses me to send it back and to pay the postage back. I feel cheated after call XXXX as they explained that this product I bought is the lowest category and they sell for little money to resellers so they can sell them for spare parts or fix them. I think this seller should go to jail as he is cheating people. I lost XXXX dollars, XXXX will not cover unless I pay international postage that can cost around 50 dollars. Seller knew he was selling faulty products, advertised that they had warranty. For me he is a criminal '' Attachments : XXXX order confirmation -> ORDER_ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One credit card statement -> XXXX XXXX Transaction confirmation -> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-10
Company: MSW Capital, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear Sir or Madam, I monitor and take my credit reports very diligently. I was never informed in writing, or for that mattter, verbally, of an alleged original debt from XXXX XXXX XXXX, the supposedly alleged creditor. As a first note, this alleged debt is so old, it is nearly at the statute of limitations for debt reporting and or collection efforts. The alleged debt is as follows : Allegedly Opened in XX/XX/2012 No Account Number Provided ( At All ) Alleged Credit Limit {$500.00} Alleged Amount Due {$800.00} Not possible to owe that much more than a credit limit NEVER notified of this alleged debt 30 Day legal contestable period never adhiered to No Original/Post Written Record Provided Current Alleged Debt Buyer : MSW Capital ( Never Inforened in writing from them regarding anything ) Attempted to dispute denied, based on no verification ( XXXX XXXX, MSW ) XXXX XXXX contacted at : XXXX MSW contacted at : XXXX This is the only alleged negative remark on my credit report Perfect payment history on all accounts Alleged debt never notified of or verified I request your help in having this alleged and bogus item from my credit report in a timely manner. I respectfully and greatly appreciate your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 keeps displaying wrong employer on credit report. XXXX XXXX is innacurate and needs to be removed. Company says I did not list employer to be removed so they could not handle complaint, which is false. XXXX XXXX is on evey complaint thats been filed.

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 2019-08-28
Company: ERC
State: TN
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 recently checked my credit report and discovered that this company has placed this item on my credit. I have never done business with this company nor have they provided me with any services or goods. I was never notified that I owe a debt with this company therefore my rights were violated. I want this company to produce the documents with my signature indicating that I agreed to pay for services or goods and it they are not able to do so I demand that they remove the items immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I recently opened a Suntrust checking account with the " XXXX XXXX XXXX Debit Card '' that offers a sign up bonus " Earn XXXX bonus miles after your first PIN Point of Sale or signature-based purchase ''. I completed the requirement on XX/XX/XXXX with {$1.00} purchase at " POINT OF SALE DEBIT XXXX XXXX WA ''. I've reached out the Suntrust through messages multiple times and still have not received the XXXX sign up bonus miles.

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 2021-05-24
Company: ALLY FINANCIAL INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
entered a consumer credit transaction with ALLY and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that ALLY claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. ALLY has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving 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 explanation
Consumer complaint received 2018-07-01
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was notified, after disputing a collection on my account, that the account would be deleted. The account is being reported by a company by the name of XXXX XXXX XXXX. I have not borrowed a single XXXX from this company. I have no debt with this company and I never borrowed {$3700.00} from them. In fact, Ive never borrowed that amount from any other lender either. Which is why I disputed this account! I have asked for some proof of contract, with my signature, and the date XX/XX/XXXX, since thats the supposed date this account was opened on. None of this has been or could be verified by them. The account was in fact deleted from my credit reports on XX/XX/XXXX and I had also received notification from the Credit Bureaus that it was deleted. Between XX/XX/XXXX and XXXX XXXX this account was added back on to my credit reports. I received NO Notifications from any of the Credit Bureaus. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer, If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. I wrote a letter to the CB asking that they delete this collection immediately from my report because they broke the law and did not notify me of the reinsertion and This debt doesnt belong to me. The have yet to remove this account from my reports. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law. Therefore I am filing a complaint here, and with the XXXX, before taking legal action.

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 2021-04-04
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I, XXXX XXXX XXXX entered into a consumer credit transaction with Schools First Federal Credit Union for the purpose of obtaining property on credit on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defined the finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Schools First Federal Credit Union made me purchase it separately. Schools First Federal Credit Union also failed to provide my with the proper rescission forms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: LD Holdings Group, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, My name is XXXX XXXX XXXX and I am a Certified XXXX XXXX XXXX in the state of Georgia. I am receiving threats and being harassed, via email and text messages, from a Loan Officer with LoanDepot regarding an appraisal I performed on his property. The Loan Officer is XXXX XXXX GA Lic # XXXX & XXXX # XXXX. 

On XX/XX/XXXX of this year, I started receiving emails and text messages for Mr. XXXX stating he was upset with the market value of his home and is threatening retaliation if I do not change the value. Mr. XXXX has continued to threaten and harras me to include his latest text message on XX/XX/XXXX at XXXX XXXX. 

I have filed a complaint with his company, however, after talking with his supervisor, XXXX XXXX, It did not appear that anything will be done and have not yet received a resolution. 

Threatening and harassing an XXXX is a serious violation and I am asking for your help in this matter. 

Attached are the emails and text messages from XXXX XXXX. Note that the emails are from his XXXX email account and contain his picture and position at XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
My daughter XXXX XXXX was diagnosed with XXXX XXXX and was advised by her doctor not to travel by airplane. Her airplane ticket, airport transfer and hotel reservation are not refundable.I claim her airline ticket cost and hotel stay that should be covered by the Chase Saphire Preferred credit card Trip Cancellation/Interruption benefit Claim Number : XXXX All paperwork was submitted multiple times and it had been more than 3 months since I opened the claim. I keep being asked for more and more documents. ( up to 15 now instead of original 4 ). Thus far, only received partial reimbursement for the airline ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Experian Information Solutions Inc.
State: DC
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:
I have disputed this alleged and erroneous account currently being reported by the credit bureaus for XXXX XXXX XXXX. This isnt my first time disputing this alleged account and the time previously it has come back verified with no proof or no notification of what method of verification was used. Also the account shows inaccurate information. The spelling on this account is XXXX XXXX. My name is XXXX XXXX. As per the FCRA Section. 609 and/or Section 681 the information on my consumer report must be 100 % accurate. As the misspelling of my name on this alleged account created by XXXX  is incorrect and is being furnished to the credit bureaus ( all three ) is causing a negative impact on my reputation. Also the invasion of my personal and private affairs by XXXX XXXX XXXX seems to be a violation of consumer rights as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, someone managed to withdraw {$760.00} from my checking account, leaving me with a negative balance. I did not realize my account was in the negatives until the following day, XX/XX/XXXX. Between that time, I deposited {$200.00} at a TD Bank ATM, paid for gas, and purchased a drink at XXXX without realizing my account was compromised. I never received a notification stating that I was, the only reason I found out was when I decided to do my weekly check up on my bank account through the TD Bank app on my phone. 

I immediately went to a nearby TD Bank in XXXX, NY and explained my situation. The employee who helped me issued me a new debit card, and filed a fraud claim for me. The following is what I stated in the claim : * I never lost my debit card, I even showed it to the employee before she gave me a new one. 
* The location that the money was withdrawn from was at a TD Bank that I've never been to. 
* This was the first time that I experienced bank fraud/theft. 
* The money had to be withdrawn on XXXX in the early morning ( XXXX ), because I deposited {$200.00} around XXXX. I can not provide the exact time because that information is not shown on my statement or account history, only the date is shown. 
* Assuming the money was withdrawn some time between XXXX, how could I deposit {$200.00} at a different location that was over 1.5 hours away. 

After I filed the claim, I waited 10 business days for a reply from TD Bank. During this time, I was also hit with a {$140.00} overdraft fee. The bank eventually told me that my claim was denied because according to them, my debit card was used, the PIN was entered correctly the first try, and the location it was withdrawn from was nearby my home address. I stated again that I never lost my card, and I have no records of ever going to this particular TD Bank ATM before. After speaking to the employee at the bank, and also calling TD Bank 's Customer Service, I was recommended to file a police report. Which I did. 

The bank employees told me that I should bring a copy of the police report to them so they could open up another fraud claim for me. However, the police told me that I can not receive a copy of the report. So I left it up to the police and detectives to take care of the situation for me. I also opened up a second fraud claim to classify my account as " under investigation '' to prevent it from being closed. I have waited over a month now and still have no word from the police/detectives and my fraud claim was denied again. During this time, my job continued to pay me by direct deposit so I was able to bring my account into the positives again and have access to some money. I have since withdrawn almost all of my paychecks as cash the day I get paid, to prevent the chance of facing further theft.

Company response to consumer: Closed with explanation