BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
The two XXXX  XXXX accounts are reporting to my credit report and they are reporting incorrectly and damaging my credit score. XXXX  XXXX reports to the 3 bureaus and they dates that the account was opened is different on all the bureaus. I have attached pictures of these accounts with the highlighted area that is not correct on all three. Being that they are suppose to report accurate information on all three bureaus from the same information received from XXXX XXXX this needs to be deleted from all three of my credit bureaus.

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 2019-11-13
Company: COAST PROFESSIONAL INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not notified that I had an outstanding debt with Coast Professionals. As a matter of fact I didn't receive any type of notification from the agency that I had a debt until I filed a dispute with XXXX. I was only after I filed a dispute that I received a notification in the mail. The dispute was returned without explaining to me why it wasn't taken off my credit report. My credit score went from an XXXX to XXXX over a {$600.00} debt that I didn't even know about. Someone with an XXXX score would not have a problem paying a {$600.00} debt.

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 2020-01-23
Company: Receivable Management Group, Inc. (GA)
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company RECEIVABLE MGMT GROUP is reporting a debt that is not verifiable and I am not responsible for. Must be addressed immediately as it is hurting my financial goals.

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 2020-01-23
Company: Orion Capital Solutions LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The company that purchased the debt from XXXX XXXX is very unprofessional. They have left threatening messages on my phone multiple times. They have been incredibly rude and issued threats because I was unable to pay. They have lied about who actually owns the debt and whom is being paid for the amount that is owed.

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 2021-05-21
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I faxed a debt validation request to LVNV Funding LLC via fax on XX/XX/2021 and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with T.D bank in XX/XX/2018! Which I deposited {$300.00} cash the day I opened the account. Before I could even use my account I was not able to use my card and when I called they told me to step into a branch and finally when I did it they said they were going to call the department that was handling my account and that I had to wait for them to call me and they didnt have a number to give me to call them! So the manager assured me that she would get in contact me to resolve this issue. While this whole time they were charging my account for the monthly fees of {$25.00} which I was only able to see through my paper statements in the mail! So I was getting charged for a account that I didnt get to use and being charged for it monthly! Its been almost 2 years since I first started this account! To this day XXXX still can not get an answer nor can I access my {$300.00} cash that I deposited into the account when I opened it so every month I keep getting charged for my account! Im not sure about you but I cant afford to spend {$300.00} and get ripped off by a big shot bank like T.D bank! Why I am being treated like I did something wrong! I have never been through something like this before I have never put my money into an account and not be able to access the money! Especially when they are charging me {$25.00} a month! So my {$300.00} just disappears and Im left with no explanation of how they can just take my money when I am an United States citizen and I have rights! I want all of my money back and I wont write a review telling their Customers how they treat people who dont have a lot of money! Or how they wont even acknowledge that they have my {$300.00}! They shouldve at least given my money back seeing that I wasnt able to use my account at all! This is ridiculous and I dont have any money that is extra to give criminals like T.D bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28
Company: WELLS FARGO & COMPANY
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/2021 {$350.00} was sent from my banking app via Wells Fargo to XXXX XXXX XXXX XXXX for a service animal. I am on XXXX XXXX and need the support of an animal during my daily life. As soon as XXXX confirmed the amount was deposited she refused to provide me with the animal aka what I had paid for. My bank is stating that it is not responsible for the fraudulant transaction and to contact XXXX and XXXX is not responding to my note sent via email. This is through my banking app but not protected by my bank of 14 years?!? This lack of attention is a HUGE concern! 
XXXX XXXX XXXX Thank you for helping me during this uncertain and fragile time we are going through.

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 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Using the www.annualcreditreport.com site, I tried to access my three free credit reports. XXXX  was able to present me with a report. TransUnion and XXXX  claim that they were unable to verify the information I provided and did not provide me with a report. There was no explanation provided. My understanding is that the three agencies provide and support that site. So how come they can not collect the information that can ensure my identity is valid? Of course, they offer the ability get a report by mail. This is all designed to frustrate the user until they give up. They are not living up to their responsibilities.

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 2020-09-02
Company: Early Warning Services, LLC
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I requested my early warning report and I realize some fraudulent accounts opened in my name. here are the list of fraudulent accounts opened in my name : Bank Name : XXXX  XXXX XXXX Account number : XXXX routing number : XXXX Bank Name : XXXX XXXX  Account number : XXXX routing number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Bread Financial Holdings, Inc.
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:
XX/XX/XXXX {$2200.00} XXXX falsely advertising coverage services which none were ever provided. Contacted through e-mails and calls many times. XXXX XXXX XXXX did not call as mentioned. No other XXXX  workers ever returned calls or heard from as arranged. XX/XX/XXXX requested cancellations for return of the funds. Comenity has not provided any assistance with this, delayed 2 years now XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: CCS Financial Services, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with XXXX ( Original Creditor : XXXX XXXX ), CREDIT COLL ( Original Creditor : XXXX CCS ON BEHALF OF XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX (  Original Creditor : XXXX XXXX ), CREDIT COLL ( Original Creditor : XXXX CCS ON BEHALF OF XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
The loan documents the company sent me have a creation date in the margin that is long after the loan. Clearly these are not the original loan documents as the rate of interest was changed and there are no terms and conditions. Clearly these documents are fraudulent. I want the electronically confirmed copy of the originals which is required by law. 
They have obviously chosen to ignore this fact in my previous complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Capital One Platinum Mastercard : - Has zero grace period.

- Requires a payment by XXXX XXXX on your monthly due date. 

- Charges {$25.00} late fee whether you pay one day, or even one hour, late. 

- Does not allow you to change your due date for 60 days following change of address. 

- Requires all payments solely via bank checking account, not with a bank debit card nor a credit card. 

- Advertises itself as a credit building credit card. 

I recently applied for this card, and several other credit cards and accounts, to raise my credit score due to a lack of credit card accounts in my credit history ( I pay cash ). However none of my other new credit cards require these predatory terms and conditions and I've incurred no fees with them. 

I made several payments on time but was a day, and then one hour late on 2 payments resulting in {$50.00} in late fees. Cap One 's policy grants one refund of a late fee per year and I was disqualified from the advertised automatic credit increase. 

This is why I never bothered with credit cards in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX of 2021 I filed a CFPB complaint against XXXX, TransUnion, and XXXX regarding the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with a representative from XXXX, TransUnion, and XXXX and they told me that the following accounts are " verified '' even though they did not hear from the creditors directly regarding their investigation. So basically, the account was just updated, but I still see the same errors. I have requested validation from these creditors directly ( which I have attached the certified mail receipts and included the certified mail tracking numbers ) and they never furnished any proof of debt such as a signed contract bearing my signature. From my understanding, a bill is not a validation so they have basically ignored my requests.

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 2019-11-05
Company: Checkr, Inc
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am applying for the XXXX company but in the XXXX I get that I had a car accident which is not easy is a fine for walking without the physical license and I also pay it I have a copy of the receipt that they pay it I can provide them but I get as an accident not as a fine and that's why I am not approved in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: CITIBANK, N.A.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 2018-07-10
Company: Windham Professionals, Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
A place called Windham Professionals keeps calling my number, and asking for someone who apparently has had my number in the past. They are leaving some very bile messages and I have repeatedly told them, the person they are looking for no longer has this number. Their number is 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 2020-05-27
Company: EQUIFAX, 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:
I went to apply for a loan, and was turned down and I looked my credit up and seen items on my credit that should not be on my credit and needs to be removed .i contacted all three beaureus and no one has answered back. So I want to see is their something that you can do.I am including my DLSS and police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
TransUnion delete 3 collection accounts that after an investigation dispute XXXX and collector fail to provide proper documentations to validated the debt and Collectors report only to XXXX XXXX and delete this accounts I contact XXXX and XXXX to investigate why collectors did not report properly to the other credit bureaus to delete the accounts and dispute was summit it and never received no documentation under section 623 My compliant is to correct and update this information properly to all credit bureaus and delete this inaccurate accounts that dont belong to me Midland funding LLC Account # XXXX Deleted XX/XX/2020 by XXXX XXXX XXXX used credit Account # XXXX Deleted XX/XX/2020 by XXXX XXXX XXXX XXXX Account # XXXX Deleted on XX/XX/2020 by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Model Finance Company
State: TX
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:
MODEL FINANCE sold my debt I owed them to XXXX XXXX XXXX.  MODEL FINANCE is still showing a debt owed to them as well as XXXX XXXX XXXX showing a debt. Both are reporting on my credit report.  So now if/when I apply for any type of loan or credit it looks as if I owe 2 different companies an unpaid debt, when in actuality its only XXXX XXXX XXXX that I owe the debt to since MODEL FINANCE no longer owns this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: JPMORGAN CHASE & CO.
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:
During XX/XX/XXXX-XX/XX/XXXX, my Chase Debit Card ( both Checking and Saving accounts ) were charged for several unauthorized transactions to various accounts and was total around {$35000.00}. After contacted the bank, the bank has closed the account and put into investigation. The amount was reversed to my card now, but I would like to further investigate what happened to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: EQUIFAX, INC.
State: CA
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 have submitted over ten disputes with Equifax, for 1 account with the XXXX XXXX XXXX  Account # XXXX  to be reported correctly, it has been listed on my report with comments as Bankruptcy Chapter XXXX with an account status of included in Bankruptcy which is incorrect. I have request to have proof provided to me to show verification of the account status, I still have yet to receive this information or removal of the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There is a inquiry on my report I do not recognize from Barclay 's with the pandemic and all why are some companies posting applications, please remove this inquiry from the XXXX 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