BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-02
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made some purchases online with a merchant name XXXX XXXX. the merchant receive over {$4000.00} worth of transaction using my TCF bank card. the merchant never render services nor ever send the merchandize I have order, I try to contact the merchant several time and no response at all, after some research I found out that the merchant not licensed nor is authorize to accept client from the usa nor usa citizen, that is a red flag that TFC fail to see. I have file a dispute with my bank TCF BANK several times and they fail to resolve the claim in my favor due to services not render or fraud merchant. 
my understanding is that always consumer is protected under those circumstances. 
therefor I would like to file a complaint against TCF bank for not resolving my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX, I saw an online offer for a XXXX XXXX XXXX checking account where you would get {$200.00} for opening an account and having 3 direct deposits post to the account. I was interested and followed the steps and successfully opened the account. XXXX XXXX asked for an initial deposit of at least {$25.00} and I provided my routing and account numbers for my Chase checking account to send them a {$30.00} opening deposit. On XXXX XXXX, the {$30.00} left my Chase checking account as a withdrawal from XXXX XXXX funding. 


On XXXX XXXX, I realized I have something coming up where I would n't be able to transfer my direct deposit and fulfill the offer so I decided to close the account. I went to my local branch to close my account and get my initial deposit back but was told it was never received. I showed the branch manager the line item on my Chase account for the funding withdrawal on XXXX XXXX but she was told they had never received it and that I would need to call Chase as it was on their end, not XXXX XXXX. They let me close the account and I was told the initial deposit would come back to my Chase account eventually. I called Chase and XXXX XXXX on the XXXX, XXXX and XXXX and have been bounced back and forth between companies blaming each other for the missing funds. This is n't a large amount of money but I do not want to forget about it and then just not ever get the money back. If I could get help with this it would be great. Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-13
Company: CARD Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Complaint is against XXXX XXXX Card.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

note : Today XX/XX/2019 is the 4th business day since card.com concluded its investigation and I have not received written description of their investigation required by law. 

On XX/XX/2019 My former Electrical provider XXXX XXXX charge my Visa debt card {$620.00} without my authorization and without giving written notice. I had discontinued service with XXXX XXXX on XX/XX/2019. 
I contacted XXXX XXXX with in minutes of the charge but it was made on Sunday and on XX/XX/XXXX weekend so no one would be in until Tuesday XX/XX/XXXX. I left voicemails and sent emails with XXXX to call me. 
On Monday XX/XX/2019 the pending charge posted. I didn't want to wait until Tuesday to notice my Financial Institution Card.com of the Unauthorized EFT so I filed a dispute on XX/XX/XXXX by phone and in writing informing my financial institution Card.com I did not authorize the charge of {$620.00} and further more never gave XXXX authorization to charge my card period. To pay my bill I had to register my card but I always choose the one time payment option. 
I called my financial institution Card.com on XXXX a day after 10 business days to preform investigation or provide preliminary credit while investigation continues. I was told that the Investigation had be concluded and no errors were found. I disagreed and thoughout the day spoke with a supervisor and manager but they refused to allow me to talk to anybody else and I wasn't satisfied with who I spoke with because not one person was even aware of Regulation E or EFTA. I am now following proceedure and filing a complaint against my financial institution Card.com for possible violations of U.S. Code title 15. Chapter 41. subchapter 6.

1693D., 1693C.,1693F. ( d, e, f, ) and 1693G. ( b ) I have filled a previous  complaint against Card.com in XXXX because they had not found errors investigating a dispute that was actually filed initially by their own fraud department. On XX/XX/XXXX they credited my account but did not not provide any reason why and therefore admitted no wrong doing. 
In conclusion with-in a 30 calendar day period Card.com 's error resolutions department has found no error on disputes that clearly have error 's and on the first they reversed the decision. I believe if this is happening to me Card.com is most like likely doing it to thousands of thier other customers and an investigation should be done on the entire error resolutions department. 
I will be filling additional complaints against XXXX XXXX XXXX XXXX XXXX whom issued Card.com cards and Visa who's license is used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: ORG GC GP Buyer, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
G C SERVICES XXXX is on my credit file affecting my credit I can't get housing or anything else because this is a collection on my account for a XXXX account that I did not authorize. I have not lived at this address for over 2 years. My ex wife lived there and then rented it to a bunch of strangers and now someone totally different lives at this address. I am frustrated because they will not remove this. I assure you I never authorized this on my credit. they are trying to stick me with a Collection account that states that I am " {$1200.00} past due as of XX/XX/2019. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).

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 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
on XX/XX/2020 I mailed in dispute letters to XXXX, Transunion and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. I am also a victim of the XXXX  data breach.

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 2021-04-15
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MERC ADJ BUR is claiming that I owe them {$950.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called GM Financial starting the day after XXXX XXXX to let them know that I need a deferment due to being impacted by the hurricane. Called since XXXX to get my due date changed that was never done..I was approved for a deferment for the month of XXXX XXXX. However after i esigned all documents my credit report was hit with a XXXX late reporting for XXXX and XXXX. I have called GM financial every other day since XXXX XXXX. Every XXXX has lied to me promising me things would be corrected. And not XXXX management person has kept their promise it 's almost like my issue is a joke. Not only has this dropped my XXXX XXXX over XXXX points it has also impacted my ability to get a natural disaster loan to fix my house. I have begged this company to corrected it and not XXXX person has cared enough for the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi, Recently i got notification from 3 credit bureaus about a collection account on my credit report placed by XXXX XXXX XXXX which represents XXXX. 
When i called them on it today XX/XX/2019 they said they got the information from XXXX back in XX/XX/2019 but failed to send me any notification to dispute it, i asked if they have a record showing that a notification was sent out and they said no but they are doing so immediately. 
Also, i called XXXX to dispute it as i believe it was a mistake for charging me the extra month after i canceled my services through their account portal and wanted me to call to verify cancellation. they said they sent me an email requesting me to call but it must have been sent to my spam folder as that is sometimes normal. i did not read the email and it must have been deleted. Did not receive mail afterwards as they explained they normally get their money back when costumers call back again to activate new services. 
I think SW credit services failed to abide by the legal system when they did not allow me to verify and dispute information. 

This is the collection company information : SW CREDIT SYSTEMS L.P. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Thanks for the help,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have contacted all 3 credit bureaus regarding multiple credit inquiries on my credit reports that I did not authorize, but the agencies will not remove any of them!! This is hurting my credit tremendously for any credit that I may actually need!! They even put fraud alert on my credit reports after my initial complaint of unauthorized inquiries, but I am still getting multiple new credit inquiries weekly!! The few that I have applied for, the credit card companies have actually made me call in and answer questions that are from my bureau reports that only I should know the answer to. I would like all inquiries removed ASAP, as I am tired of calling and making disputes online with no success.

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 2018-01-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
New information based on CFPB XXXX. We sent out a debt validation letter on this loan ending in XXXX. This is the information they sent back. Debt was not validated and they are still collecting the 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 2018-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am owed XXXX dollars from capital one. I overpaid them and they sent me a check which I never cashed in time for the expiration. I have been chasing Capital one for 100 days and keep getting the run around as to where my check is. I have been told for two 30 day cycles that the check is in the mail, and that they overnighted a check and it was returned undeliverable. please help. the last person that they passed me off to was a XXXX XXXX at XXXX XXXX XXXX XXXX, her pin to enter her phone is XXXX, her extension is XXXX she is not taking my calls anymore. they had another person in an " executive '' office XXXX XXXX her pin to get through to her is XXXX, her extension is XXXX she is no longer taking my calls either. She does not like to be told she is incompetent and or not motivated at her job. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX I mailed a certified dispute letter to XXXX XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 20 complaints on XXXX they also have over XXXX complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT

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 2019-02-14
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2007, I moved to XXXX XXXX XXXX XXXX, a brand new apartment complex in XXXX XXXX, FL. I signed a lease for a year. My rent for my 1 bedroom was well over {$1000.00}. I think it was $ 120- {$1300.00} a month. Im a complete germophobe, which is why Im willing to pay over {$1000.00} a month for a 1 bedroomfor a new apartment. When I moved in, there were dirt marks and other unknown stains in the tub, on the toilet, and in the refrigerator. I complained about it to the leasing office, and the told me I could move apartments but Id have to pay a moving fee. I didnt think this was fair, so I moved out of the apartments within the same month, but I was hit with a {$4000.00} fee. 

Currently, National Credit Systems, a collection agency, in XXXX, GA has my account. Ive tried contacting them, but they refuse to answer simple questions. I called last week to resolve the debt and a XXXX XXXX answered the phone. She wouldnt let me get out a single word. She wanted to do all the talking. When I was able to utter a word, she hung up on me. 

What Id like to see happen is this debt fall off of my credit report or go to another agency because the current agency is unethical and volatile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Westlake Services, LLC
State: NJ
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:
Westlake financial is not reporting to my credit report for Month XX/XX/XXXX and also Month XX/XX/XXXX. i have all the proof that the payment was made on time. i called multiple times to have my payment history updated and they " Westlake Financial " Failed to updated and as per the fair credit reporting act all reporting account needs to be 100 % accurate.

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 2019-10-17
Company: FIRST NATIONAL BANK OF OMAHA
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:
I disputed a vendor charge with my credit card company First National Bank of Omaha ( FNOB ) in XX/XX/XXXX. The issue was resolved quickly before the next billing cycle, however FNOB erroneously posted a comment on my credit report, I contacted them they said they would remove the comment. They then claimed they did, I ordered my credit report from XXXX via the annual credit report process. The remark is still on my credit report, I called FNOB they said it shouldn't be and suggest I file a compliant with XXXX to get it investigated. XXXX  did not make the changes, because they did not receive documentation from FNOB regarding this issue. I'm done messing around with this, I'm filing CFPB complaints against both companies and on Monday, XX/XX/XXXX I'm going to start looking for leaders of both XXXX and FNOB on XXXX over this issue. I also obtained the email address of FNOB 's CEO who I'm going to reach out too about how this was handled. I want this inaccuracy corrected on my credit report from all 3 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 2018-01-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PLEASE HAVE THEM TO RECHECK THEIR RECORDS, I PAID XXXX ... DOWN ON THIS ACCOUNT ALREADY ...

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 2022-03-02
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Information belongs to someone else

Complaint:
I am showing 2 derogatory accounts on my credit that I have disputed in the past with all three credit bureaus. The only credit bureau that continues to report the accounts in question is XXXX. XXXX has blocked my report and refuses to report a score for no reason other than a previously reported identity theft to them. Also with the accounts that are in question both accounts have incorrect information the Toyota motor leasing was found not even to have my Social Security number these were a result of ID identity theft. When Toyota motor credit leasing was questioned they originally admitted that they had my social as ending in XXXX, ( I do not have the account number but it is included on page 23 of 36 on my credit report attached ) this is not my social and all of the information on the application was incorrect did not match me it was a result of identity theft. The next account coming from XXXX XXXX XXXX I have disputed on several occasions. XXXX XXXX XXXX continues to reseal this information to different debt collectors after they have been advised that this was a fraudulent account as a result of identity best. XXXX XXXX XXXX has been negligent in selling this information to now professional account services. I just disputed the same bill on multiple occasions from two other debt collectors that I had to dispute and have the same account removed for {$150.00}. This has been a burden and XXXX has been the only company to continue to violate the law by reporting these items even though I have supplied them on multiple occasions with disputes and police reports showing identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Dear Equifax, Please remove these accounts from my credit file. I have did my due diligence and all of these accounts are associated to XXXX XXXX Nevada I have never resided in XXXX XXXX Nevada. Please remove these accounts and all XXXX XXXX addresses from my credit file. My social was found in 3 different data breech. This is fraud please see enclosed ID state drivers license and identity police report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation