BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 customer service would not help with issue at hand. 

Hard inquiries not authorized Made by : XXXX Made on : { XX/XX/XXXX } Made with : TransUnion Made by : XXXX Made on : { XX/XX/XXXX } Made with : TransUnion Made by : XXXX Made on : { XX/XX/XXXX } Made with : TransUnion Made by : XXXX Made on : { XX/XX/XXXX } Made with : TransUnion Made by : XXXX XXXX Made on : { XX/XX/XXXX } Made with : TransUnion

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 2017-11-27
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citi was advertising a XXXX bonus point promotion for the Citi Prestige card when I decided to sign up. The only requirements listed on the find print of the promotion were to ( 1 ) open a new Citi Prestige card and ( 2 ) not have opened a Citi card within the past 24 months. Accordingly, I closed my old Citi ThankYou Preferred card and opened a new Citi Prestige card, expecting to receive this promotion. After all, I had not opened a new Citi card within the past few years. 

However, I was told by customer service over the phone, ex post facto, that the transaction was a " conversion '' and that I did not qualify for the XXXX bonus points. There was nothing in the fine print about this, though, and I clearly satisfied the two requirements that Citi had set forth, so I send a secure message about this on XX/XX/XXXX, and received a generic denial of my request from " Account Specialist, South Dakota. '' I then demanded to have my message forwarded to a manager, but I was summarily ignored and sent a nearly identical generic denial from " Account Specialist, South Dakota. '' On XX/XX/XXXX, I sent a complaint to the BBB regarding the atrocious customer service representatives who refused to let me speak with their manager, and received a call from a representative of the corporate officers who repeated the exact same generic denial over the phone that I had received via message. 

On XX/XX/XXXX, I contacted XXXX XXXX of Citi cards in an attempt to reach a resolution. I was told that I had consented to all of the terms of converting my account ( which were rapidly listed off over the course of a phone call ) and that these terms allegedly indicated that I would not receive the bonus offer. I still think that this is a dishonest way to do business. No other bank has been so intransigent with regards to honoring a promotional offer.

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 2017-11-27
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recieved notification from my credit monitoring company that a new collection company was listed- XXXX XXXX XXXX. It says it was for XXXX XXXX- I called XXXX XXXX because I was unaware of this unpaid debt. They tell me my account from XX/XX/XXXX is in collections because I had a balance due- as well as unreturned equipment. I advise dit was returned and why was n't I informed prior to this, they said they sent a bill XX/XX/XXXX and that was all. They said they did n't send anything after that- that they do n't have to. How am I suppose to know about a outstanding bill or they did n't receive my equipment if they did n't send me a bill? They also state that you have up to 15 months to return the equipment- after that you have to pay for the equipment, that date was end of XX/XX/XXXX for this account. Funny how it appears on my credit bureau shortly after the time period they say I  now own the equipment and have to pay for it- when they have n't sent proof that they never recieved it. Deceptive practices!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
At a Wyndham timeshare upgrade presentation I was offered the XXXX by Wyndham credit card. I told him I already have one. The sales representative kept pushing for a higher limit credit card. I kept saying, NO. The 2 people then asked, Can we get your information just to update your card? I asked why and was told it was for my current credit card, just to keep it updated. I reiterated, I don't want a new card. They promised it wasn't for that. Needless to say, a month later, a new wyndham credit card came in the mail. We were not happy. We felt betrayed by their promise, It's not for a new card, it's just to update your information. Well, this affected our credit score.

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 2018-05-07
Company: Experian Information Solutions 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:
Please remove Fruad Alert off credit 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 non-monetary relief
Consumer complaint received 2021-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I got a deposit into my account and the bank put a hold on my account not allowed me to have access to the funds. I called and told the I drove for drive share and it doesnt require me to have a business bank account because Im a XXXX XXXX worker and they have been holding my funds for 2 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no knowledge of this debt. I wasn't mailed anything in regards to this debt. I tried to call and speak to someone for over an hour this morning. I was unable to speak to anyone. This debt appeared on my credit report this morning without any notice to dispute. Please delete ASAP.

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 2021-09-14
Company: Critical Resolution Mediation LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/21 an XXXX American woman left messages for me and also called family members claiming to be from CRM ( Critical Resolution Mediation, LLC ) .. She left threatening messages about needing to do a wage assessment and that a claim was made against me, and that I was listed as the respondent and a warrant was being issued if I didn't call back today. She threatened to call my place of employment and speak to HR. I called the number that she left on the voicemail which was XXXX. This was a bad number, so I called the number that she called both me and my brother at which is XXXX and she answered. I asked about the company name and address location. She asked my name. I told her who I was. She placed me on hold for several minutes and then hung up. I called 4 or 5 times and continued to be hung up on or sent to an invalid message. I continued to call and a white lady picked up. I asked for her name and she placed me on hold. I was disconnected. I continued to call and get hung up on 4 multiple times. I made a total of 13 calls back to back trying to get answers. I got the XXXX lady again. I asked for her name, she replied this is Miss XXXX. I continued to press for her first name and business address. She told me she was calling from XXXX in regards to a bad check from XXXX. I have never written a check for XXXX. She wanted me to confirm my social and I would not. She refused to provide any business information and hung up. I called back and got the XXXX lady again and told her that I knew that this was a scam and that I wanted to know who I was speaking to so that I could report them to the federal trade commission. She said that this was not a scam and placed me on hold. The XXXX lady came on the line again and I asked for her name and business address. She hung up again. They are in violation of multiple laws. I have filed a complaint with the FTC but I only had a phone number at the time. I have also filed a complaint with the XXXX XXXX XXXX which is where I found more complaints. I received phone calls once a week during the month of XXXX. My brother received a call from them on XX/XX/21. They threaten and harass. 

I have blocked this number but they tried calling from a different number. They are harassing me and I want something done about it.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-08
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently pulled a credit report and saw that XXXX XXXX XXXX is reporting to be collecting on an alleged debt. After research, according to the Florida office of Financial Regulations, they are not licensed in the state Florida.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I called trans union to have my inquiries removed immediately because i am a victim of their inquiry issue and i also never authorized these inquiries. I called several times and they refused to remove these 5 inquiries off my report : 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 2018-03-19
Company: Google Compare Credit Cards Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Company has restricted my ability to pay for online storage. They are currently holding my cloud storage data hostage and preventing every way of me paying except to use their credit line partnership. Company alleges t & c violation yet won't state what it is. I believe this is due to my XXXX  and my constant request for English speaking assistance. Discrimination at it's worst.

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 2018-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This compliant is in reference to a fraud alert listed to my report. I am having difficulty to having it removed. It is causing financial distress and I am not able to get approved for credit with creditors. I would like any and all fraud alerts removed from my report. 

Thanks, 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 2019-04-30
Company: NPAS, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX, NPAS, and/or XXXX XXXX XXXX Hospital attempted to collect a debt without utilizing the insurance. Prior communications indicate that all parties were aware of the insurance in place and the purpose of me paying for insurance, is that it may be utilized. The original debt was indicated to be {$4800.00} and the reduced rate is {$580.00}. If they want only {$580.00}, then the insurance company can pay them that. Otherwise, the deductible and co-payment will need to be identified and ALL provider bills will need to be considered in the billing cycle. Not just this bill. Again, this is the reason I purchased insurance.

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 2019-04-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have Sent in FTC reports i have sent all my proper docs that credit bureaus told me to send in and the still have not removed the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I enrolled in a {$200.00} bonus enrollment offer and have completed all the requirements for the bonus but have not received the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received an email invitation to apply for a loan. I applied and was approved. The debt consolidation was to be for a credit card and a personal loan. The payoff for the loan had to be sent by the company, which I completely understand. The problem was there was no way to pay my one lender in their predefined website fields. Which disqualified me for the loan. When I called to get this resolved I was told I had to withdraw my application. Which resulted in negative effects on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: NY
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:
Last XX/XX/2021, I sent the credit reporting agencies letters notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and I want to seek legal action about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: AmeriCollect
State: MI
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:
AMERICOLLECT XXXX ( FROM WISCONSIN ) IS COLLECTING ON BEHALF OF XXXX XXXX XXXX XXXX AND DOES NOT HAVE A CONCRETE FIGURE HE OR SHE IS SUPPOSED TO COLLECT FROM CONSUMERS BUT JUST POSTING ARBITRARY PRICES FOR THE EXACT SAME COLLECTION ACCOUNT. 

ON MY XXXX  CREDIT REPORT, AMERICOLLECT CLAIMS I OWE XXXX USD XXXX BUT ON MY XXXX  CREDIT REPORT AMERICOLLECT CLAIMS I OWE XXXX USD XXXX. 

AMERICOLLECT JUST SEEMS TO BE PULLING XXXX OUT OF THEIR XXXX AND HAVE NO SOLID FOUNDATION TO BASE THEIR COLLECTION EFFORTS ON. I AM FILING A COMPLAINT WITH THE STATE ATTORNEY GENERAL 'S OFFICE IN WI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CarMax, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a used car from CarMax in XXXX. We arranged financing with our credit union, and we're prepared 2 go back home, a two-hour drive, and pick up the check the next day and return to pay off the vehicle. However, our sales person, XXXX XXXX, said that was not necessary. Rather, we would sign the paperwork for a CarMax loan, and have the credit union overnight the payoff. And as long as the payoff arrive within a week, the loan would be cancelled and no further action required. So we arranged for the check to be cut right then in there, while we were filling out the paperwork. The credit union cut the check on the XXXX and overnighted it. I called carmax on the XXXX and got verification that they had received the check for the full amount of the purchase. Nearly two months later, I received a phone call from CarMax, stating that our loan with them was in arrears because I had made no payments on the loan. I told them that we had paid the loan off within two days of making the purchase. I subsequently received another phone call a few days later stating the same thing, you are now in arrears with your loan. The name of the person was XXXX. I asked her to speak to a supervisor and get someone on the phone 2 determine why they were not cashing the check from the credit union. at one point they said they had sent the check back to the credit union. A few minutes later, they said no, they had the check and I would apply it to our account. Today I got another phone call from a specialist name XXXX who said that the check had expired because they never cashed it oh, and they wanted me to provide them with another check. I can't provide them with another check, and they need to contact the credit union and get the credit union to replace the check that they never cashed. we have spent hours on the phone with them so far, and they insist that they can not send me anything by email, by text, or by mail oh, the only thing they can do is tell me on the phone courses of action that they want me to take, to fix there office problems! At this point I do not know what else to do. This does not seem legal that they can refuse to accept check to provide for the payoff of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX, NY XXXX ( XXXX ) XXXX. Spoke to XXXX XXXX in the Dispute Department about XXXX XXXX XXXX reporting an individual account as a " Collections '' account on my credit report after the account has been settled and paid. The account was paid off on XX/XX/XXXX with a XXXX balance owed. Yet on XX/XX/XXXX XXXX reported to the credit bureaus this account as a " Collections '' account. The account was previously a bank card with XXXX XXXX XXXX XXXX. XXXX purchased the account and I settled with XXXX on XX/XX/XXXX with a XXXX balance. I believe to report this as a collections account in XX/XX/XXXX was a violation of the Fair Credit Reporting Act ( FCRA ) and was arbitrary and capricious. THERE WAS NO BUSINESS JUSTIFICATION IN XX/XX/XXXX TO REPORT THIS AS A COLLECTIONS ACCOUNT. XXXX XXXX, on behalf of XXXX refused to consider my request to correct this account on my credit report and to remove this information as " Collections ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
old credit inquires are still on my credit report and need to be removed they are too old.

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 2020-05-08
Company: ID Analytics, Inc.
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 information incorrect

Complaint:
I recently purchased a new vehicle ( XX/XX/2020 ). My credit was run for financing as well as my husbands credit as he is the co-applicant. We both received a letter from XXXX XXXX   stating that they could not finance the loan because of credit scores. My XXXX score is accurate ( XXXX ) but Sage Stream LLC listed my score as XXXX. My husbands score with Sage Stream LLC was XXXX. " Limited history for consumer address and phone '', " length of time since most recent delinquency too short ( I am disputing a medical bill ) '', among others. Over 100 point difference in credit scores! I've never heard of this credit reporting agency and it is shocking that a major company like XXXX would depend on bogus credit scores to determine financial eligibility. This also makes me question if I would have gotten better financing on my vehicle if Sage Stream LLC was not involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I have sent in multiple requests for investigations on the item listed & the creditor as well as the credit bureaus continue to report this account as inaccurate. The date of last activity is different on all 3 reports, if this information is coming from the same source then it should all be reporting the same dates. This is incorrect

Company response to consumer: Closed with explanation