BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-06
Company: RSI Enterprises, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get a phone call from this company at least once per week. The message says 'we are a debt collection agency. Call immediately regarding an outstanding debt '. I have no outstanding debts!! I refuse to call this company back, because I think it is a scam and I don't want to talk to them. I went to the XXXX to look this company up and there are many, many such complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In early XX/XX/XXXX, I received a letter in the mail from TD Bank. The letter showed that an account had been made in my name using my social security number and address. My name was spelled wrong. I use TD for my checking and credit card account so I was surprised because I use paperless statements. The account showed that on XX/XX/XXXX, the IRS deposited the 3rd stimulus check of {$1400.00} to this account. Two days later, someone drained the account at a TD ATM and left {$12.00}. I immediately called TD Bank and went to the local branch after understanding what had happened. They closed the account and gave me identity theft materials. I have called several times to their fraud department and they are saying there is nothing they can do. I have submitted all necessary documents to the IRS, who are completing a payment trace. The IRS can tell me where the funds went but because they have been taken, I doubt I will ever get any of them back. TD failed in their security as clearly, this was a fraudulent account. Instead of resolving the issue and giving back the {$1400.00}, they are acting as if it is my fault and there is nothing they can do to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: DISCOVER BANK
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/2020, I purchased an espresso machine on XXXX. I paid with Discover card. XXXX delivered the machine totally ravaged. I refused to accept it and returned it to XXXX. I disputed the charge with Discover. XXXX initially lied that they have never received the return. When I submitted the proof that XXXX received the return, XXXX lied that I returned a totally different item. I submitted a proof that I indeed returned the purchased machine. Then, XXXX lied that the serial number of the returned machine differs from what was sent to me. No proof of it has ever been submitted. After I complained to XXXX, XXXX responded that they instructed Discover to close the dispute in my favor and to refund me. Discover claims that it always resolves the disputes in XXXX XXXX favor because it is their biggest customer, therefore it hold me responsible for the charge no matter what, unless XXXX directly refunds the charge. I have been defrauded by Discover and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Have been attempting to obtain my title from Ally Finance for over one month, company claims to have mailed document and I still have not received. I have called weekly and receive no help from company, every time I call I receive a different explanation. One person says it has been mailed, another says it is sill processing.

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 2021-02-02
Company: Experian Information Solutions 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:
On XX/XX/2020 I drafted a letter to Experian entitled Validation of Debt request. USPS Mailing No : EJ XXXX XXXX XXXX US which was delivered on XX/XX/2020. 

Experian is reporting a Inaccurate Account entitled : XXXX XXXXXXXX XXXX  which seems to be an eviction. Which is not my account. Experian did not respond within 30 days so I personally called Experian on XX/XX/2020 ( conformation of call number : XXXX ). The customer service rep that I spoke with stated that even though it had been well over 30 days they did not have any update on the investigation I opened for XXXX XXXX XXXX I verbally requested that the account be immediately removed because Experian could not Validate the Account within 30 days. 

On XX/XX/2020 I drafted another letter entitled No Response within 30 Days FCRA 611 ( a ) ( 5 ) USPS Mailing No : XXXX XXXX XXXX XXXX XXXX received by Experian on XX/XX/2020. 

To date, I have not received any letters/results from Experian regarding my letter dated XX/XX/2020 ( the original investigation request ) nor have I received a letter/response for my letter dated XX/XX/2020 asking for the item to be removed due to not being able to validate within 30 days. 

Experian is in violation of the FCRA and could not and still can not validate the debt yet the item is still on my report. 

Please see attachments.

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 2020-05-13
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:
Transunion and XXXX  were. Sent documentaion request by XXXX XXXX XXXX -furnisher/ owner of acct # XXXX. On XX/XX/2020 to delete reporting of tradeline. It is XX/XX/XXXX of 2020 and still being ignored by CRA just as their i investigations had not been properly completed. I have documentation sent to CRA 'S by Creditor 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 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I enrolled in a debt rehabilitation program after my student loans had gone into deferment. While I was completing the program, there were multiple reports submitted that the accounts were delinquent. When I inquired with the company, they said it would look this way and be reported as delinquent until I completed the program. They informed me once I completed, I would have a new company servicing repayment, and that the delinquent accounts would no longer be reported as such, and all the reported delinquencies would be changed and no longer negatively impact my credit score. I completed the program in XX/XX/XXXX, I was rolled over to a new loan services and have been with them ever since making payments on all my loans. The company informed me they would make changes to my credit report in 45 days. In XX/XX/XXXX, I followed up with the company and they said it should be processed at anytime, just keep waiting. In XX/XX/XXXX, they still had not made the changes to my credit report regarding the rehabilitated debt and that I was in good standing. When I called and requested for it to be done a third time, they said it would be expedited and submitted in two weeks. It is now the middle of XX/XX/XXXX and there has been no adjustments made.

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 2021-02-02
Company: XOOM CORPORATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I have been leveraging Xoom ( https : //www.xoom.com ) a XXXX service to transfer money from the US to my XXXX Bank account. The service has been working fine for years but for the last four transactions, Xoom has canceled my transactions inappropriately without proper explanation and has not refunded me the amounts below. 

{$1000.00} {$3200.00} {$6400.00} {$6500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-15
Company: STERLING JEWELERS, INC.
State: MD
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:
Problem with credit reporting. See attach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: ALLY FINANCIAL 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: Account status incorrect

Complaint:
Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.

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 2021-02-02
Company: EQUIFAX, INC.
State: MA
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 disputed several inaccurate items in my credit report but the credit bureaus haven't answered me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 disputed several inaccurate items in my credit report but the credit bureaus haven't answered 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 2017-08-02
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
Chase card services reported the card charged off as of XX/XX/XXXX. In XXXX XXXX, I signed up for repayment plan, however the company was still reporting late payments to my credit report. I sent a letter of debt verification and never received validation, the company continues to report late payments at 120 days late even though the card has been charged off and closed since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from CBHV ( Collection Bureau of the Hudson Valley ) on XX/XX/18 that I owed {$120.00} to a medical provider. That notice said " If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt, or any portion thereof, this office will obtain verification of the debt or obtain a copy of the judgment and mail you a copy ''. 

I sent a letter disputing the validity of the debt on XX/XX/18 requesting proof of the debt owed. Not only did I not receive any documentation to verify the validity of this debt, but I received 2 phone calls from this company asking me to pay the amount and another notice in the mail, disregarding the letter I sent them. I received a call on XX/XX/18 and on XX/XX/18 and another letter dated XX/XX/18. 

A debt collector " must stop collection activity until theyve sent the proof ''. They clearly disregarded this and are in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
all three creditors where not opened by myself XXXX in the amount of XXXX, XXXX XXXX XXXX XXXX i have lost very important information in 2010 my social security card my state id and my birth certificate all which can be used against me and im continuing to see accounts i havent personally open this has also been reported to transunion i will attach a police report for my lost or stolen identifications

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 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

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 2017-08-07
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
M & T Bank has stolen payment of {$89.00}, XXXX from me as they have received a lump sum payment and is in violation of many laws including pyramiding late fees, escrow violations and misapplied payments. M & T Bank 's refusal to correct their records since spring of XX/XX/XXXX has resulted in my credit suffering and my land being auctioned in a tax foreclosure sale for M & T Bank 's failure to pay the property taxes. I received a mortgage bill as recent as XX/XX/XXXX that billed for taxes and insurance, etc and for what? There was a home fire in XX/XX/XXXX and no insurance has been needed for that vacant lot that has remained since XX/XX/XXXX. Why have I been billed for insurance that is not possible to obtain? Why am I billed for property taxes they failed to pay and now my land is foreclosed upon? Why do I get offers to modify my loan, yet no simple correction and return of my funds. Why does M & T Bank bill for maintenance when the lot was maintained by the City of XXXX? Per the attached records, not only was the property foreclosed on by XXXX XXXX in XX/XX/XXXX for UNPAID taxes I received a mortgage statement in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so on ... None of these statements have removed taxes and insurance from them.

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 2021-02-21
Company: Experian Information Solutions Inc.
State: OH
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:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. Also, I found the following accounts that do not belong to me that should be removed as well : 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 2017-08-02
Company: Direct Recovery Services, LLC
State: MN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX, at approximately XXXX, this debt collector called regarding a debt to a payday lender called " XXXX XXXX XXXX ''.
They also contacted my sister and have made repeated attempts to do so, leaving voicemail messages. This particular voicemail message, however, provided my sister with a link to enter an account number and my zip code. Therefore, my sister was given complete access to the confidential information, including the amount they claim they are owed, as well as the original creditor, etc. My complaint involves repeated contact and voicemail messages with me and my family members, as well as unlawful disclosure of the debt they are attempting to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a Capital One Venture Credit Card. On XX/XX/2020, Capital One reduced my Credit Limit from {$15000.00} to {$5000.00}. The stated reason was low usage of the card over the past two years. I have missed no payments. I have had no overdrafts. My credit score on XX/XX/XXXX was XXXX. 
I use this card for international travel. I have been stuck at home due to XXXX and then the pandemic thus low usage of this card. Of note, {$5000.00} will not go a long way, if you are stranded overseas. 
I called Capital One on XXXX and spoke to XXXX. I explained these circumstances. He indicated that many people were " shocked '' by the credit changes. But his instructions were that the change can not be reversed. 
This action will adversely affect my credit score and potentially my ability to obtain credit. It renders harm.

There are two classes of consumer affected by this action ; 1. Consumers, like me who have the means to cancel or just not use this card and extend the credit limits with other cards. This will cause a temporary blip in credit score, but likely no long term effect. Still based on the usual assumptions of consumer reporting, this is an unprincipled practice signaling deteriorating credit. 
2. Consumers who have been adversely affected by the pandemic and who do have a change in means. These have been responsible and have not run up debt. Thus, their credit risk is limited. Still, they can not change out cards. These consumers are obliged to use Capital One services and no others. This is an unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I sent money to my step son in XXXX through Paypal.com. They changed the email address and sent it to the wrong person. I sent it to XXXX. Their system changed it to this address XXXX. I contacted them within 30 minutes of transaction. They told me it could not be changed. I cancelled a transaction the day before with no issues. I have emailed this recipient but no feedback. I have filed a report with my bank also. 

Sent to : XXXX XXXX ( The recipient of this payment is Non-U.S. - Verified ) Email : XXXX Payment sent to : XXXX Payment amount : ( in currency funded ) - {$170.00} USD Your fees : - {$8.00} USD Your total charge : - {$180.00} USD Payment amount : - {$170.00} USD XXXX XXXX 's fees : {$0.00} USD XXXX XXXX receives : {$170.00} USD Date : XX/XX/2018 Time : XXXX CDT Status : Completed Funds will be available to your recipient on or before : XX/XX/2018 Note : The recipient can send or spend the full amount on this date. If the recipient wishes to withdraw money, limits may apply. 

Subject : You have sent {$170.00} USD to XXXX XXXX with PayPal Funding Type : Credit Card Funding Source : {$180.00} USD XXXX Debit Card XXXX This transaction will appear on your bill as " PAYPAL XXXX ''.

Company response to consumer: Closed with monetary relief