BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: The Receivable Management Services LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i have disputed this debt numerous times. I also made them aware that it was paid and I currently have insurance with the company that they are trying to collect on. I sent a letter for the company to verify and to send me proof that I indeed owe them. Receivable Management continues to send a bill in which is not verification. if not removed I am seeking compensation of {$1000.00}.

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 2023-07-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Other problem getting your report or credit score

Complaint:
This is a folIow up complaint to # XXXX-XXXX  I still have NOT received my Transunion credit report & I cant get a live person to discuss anything with me because they cant verify who I am. 

Transunion has been aware of this issue with this same woman since XX/XX/XXXX and when she was XXXX of it in 2XX/XX/XXXX I sent the court paperwork to them for my file and THEY STILL CONTINUE to report inaccurate/fraudulent information on my credit history!! 

Ive been waiting 9 years for Transunion to fix my account and I find it COMPLETELY UNACCEPTABLE that not only arent they removing this information IMMEDIATELY given their knowledge of this goes back to XX/XX/XXXX, I CANT EVEN GET MY CREDIT REPORT, much less get into my file online. 

Ive waited long enough. I cant fix or dispute any accounts if I cant access the results or my credit file online or obtain my report. They dont get 30-60 days because they've already had 9 years! THIS. IS. INSANE.

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 2021-05-22
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XX/XX/2019, I reported to Ally Financial that one account had been fraudulently opened in my name on XX/XX/2019. Ally financial instructed me to complete an affidavit, file a police report, and inform all major credit agency that I had been a victim of identity theft. I completed all these steps and was assured by Ally Financial that the matter would be resolved, and that I did not owe money to the bank. However, I continue to receive threatening notices from Ally Financial that I owe them. Ally Financial is dragging their feet to look into my issue. They are in violation of Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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 2023-09-27
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There were several fraudulent charges on my venmo card tried to resolve through disputes with the company they denied claims XXXX XXXX emailed the fraud department or dispute Department talked to customer service filed a police report and venmo still refuses to do anything about getting me my money back On XX/XX/XXXX wrote review through XXXX play. 

Got a response from Venmo developers probably automated on XXXX XXXX 2023. 

On step XXXX 2023 wrote emails to customer service and dispute center asking for what proof they needed got no response XX/XX/XXXX wrote email and received a claim denial letter On XX/XX/2023 was told via email that the dispute center would reach out within XXXX hours On XX/XX/XXXX of 2023 sent a list of fraudulent charges via email to venmo customer service for the XXXX or fifth time XX/XX/XXXX file the police report forwarded that to venmo customer service On XX/XX/XXXX they sent me an email asking if any of the articles that were not anywhere near pertaining to my issue would resolve the problem On XX/XX/2023 venmo contacted me telling me that somebody from the dispute resolution center would be contacting me they never did XX/XX/XXXX first got a dispute denied email XX/XX/XXXX referring to an email that was sent to me on the XXXX I told them I did not have any receipts to prove anything about the transactions because it wasn't me that made them I wasn't present I did not authorize the transactions Starting on XX/XX/XXXX there was several attempts to start a claim with venmo giving them the list of transactions dates and amounts of the transactions to have them deny claims and delay in response to my inquiries I'm not able to get all dates because it's through their app and it does not save that information for my viewing

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Credit Collection Services located at XXXX XXXX XXXX in XXXX, Massachusetts to see why this debt was reported to my credit. I was informed that I had an outstanding bill for homeowners insurance from XXXX XXXX. I was in the process of purchasing a home but the sell of the home never made it to closing. Due to their negligence I suffered an adverse effect on my credit. I never lived at the address where XXXX says I owe this bill, and the debt collection agency has an address on file for me where I never lived.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Good evening, my name is XXXX XXXX and I am a little frustrated, confused, and at my wits end. I am hoping to get some type of resolution to my ongoing issues with Equifax. I am a consumer that consistently monitors my credit report and anytime there is an issue I try my best to contact either the creditor or the credit bureau to rectify the situation. To my avail the credit bureau Equifax has been very reluctant to rectify the fraudulent, unauthorized inquiries that are listed on my credit report. I have disputed until I am blue in the face, I have even submitted a letter from one of the creditors stating that an inquiry is fraudulent and they still refuse to delete it. So I've decided to take it a step further. I have also emailed the CEO of Equifax and still nothing. Hopefully, my complaint will resolve the issues that I continue to have with Equifax. Attached you will find the order of my disputes with Equifax. I am trying to acquire credit and it makes it hard to do so with incorrect information showing on my report. I filed a dispute online on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and nothing has been resolved. The one time I called to dispute the information over the phone, the representative was very rude and hung up on me and I was not pleased. The only thing I'd like is for the issue above to be resolved and DELETED from my credit file. With all of the breaches and such within the company, you would think that they'd be a bit more responsive! Again, I appreciate your assistance is getting this issue resolved! 
The fraudulent inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
On XXXX XXXX, U.S. Bank received my Funds to pay off my mortgage/discharge. 
U.S. Bank went into default by refusing my payment in good faith and honor. 
House Joint Resolution 192 was passed to suspend the Gold Standard and abrogate the gold clause in the National Constitution since then no one in America has been able to lawfully pay a debt.

A promissory note can not exceed the life span of nine months. 
The promissory note is a Security. 
Please cancel any and all contracts with U.S. Bank/Bancorp All Rights Reserved UCC 1-308

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 2023-02-26
Company: Bread Financial Holdings, Inc.
State: KS
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:
Comenitycapital has inaccurate reporting on my credit report - payment history reporting charges off every month or the credit reports- Balance not at zero still showing a balance of XXXX ( attachment filed in this complaint ) - Have reached out to the company that the account was opened without my knowledge while I was overseas in the combat zone According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still not reported 100 % Accurate. 

And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

List the Accounts Comenitycapital

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-04
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have both checking and money market savings accounts at Citibank. On XX/XX/2019, a large deposit of {$210000.00} came in to my checking account from XXXX. When I got the XXXX, 2019 statement,, I saw that the interest rate was very low ( near zero ), I went to the Citibank XXXX XXXX branch on XX/XX/XXXX and saw that there was a Cit Savings account promotion to pay 2.00 % interest for 3 months ( up to {$2500.00} ) with a {$25000.00} deposit. After that, it would pay 0.57 %. 

The manager at the branch said I could get the higher interest rate if a new account was opened. So my old savings account was closed and a new account was opened on XX/XX/XXXX. These are the relevant account numbers : Checking account- # XXXX Old Savings account- # XXXX Ultimate Savings Account ( USA ) New Savings account- XXXX XXXX Citi Savings The original balance on the new account after the transfer was {$260000.00}. The current balance on XX/XX/XXXX is {$200000.00}. The account balance has been over {$200000.00} since it was opened, well in excess of the required {$25000.00} minimum.balance. 

I received higher interest for XXXX of about 1.30 % which was a little less than I expected but at least it was higher than before. But then at the end of XXXX, I was shocked to see that the account only paid an interest rate of 0.12 %. I went to the branch and asked why the interest rate dropped so much, and they said they thought I was entitled to the 2.00 % interest rate from XX/XX/XXXX through XX/XX/XXXX. They filed an internal inquiry with Citi headquarters to get the higher 2.0 % interest rate paid. 

But at the end of XXXX, I was shocked again to see again that the interest rate for XXXX was again only 0.12 %. I went to the Citibank XXXX XXXX branch this afternoon fo find out what happened. The branch manager told me their internal request was rejected. I couldn't understand why it was rejected, but he said it was because the new funds from XXXX were originally deposited in my checking account more than 5 business days before the new savings account was opened. Even if this is true, this was never explained to me when the new account was opened, and I could have invested with another bank offering a higher interest rate. Overall, I think their 2 % promotional offer was highly deceptive and they should have told me before hand if I was not eligible for the 2 % promotional rate.

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 2023-02-21
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have a few wrong addresses and wrong names in my account I will like to get remove 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 2022-12-20
Company: DISCOVER BANK
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My credit report is showing that I opened a credit card with Discover Bank and it's showing that it has a balance of {$2500.00} as of XXXX XXXX XXXX However, I never opened any credit card with this institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX : {$260000.00}

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 2021-02-27
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have been attempting to get TD Bank to send me my monthly mortgage statements for over a year. I had previously been in the loss mitigation process with TD Bank, with my modification having been approved in XXXX, XXXX. Over the course of the past year, I have contacted TD Bank on numerous occasions both by phone and in writing to request that they send me my mortgage statements as required by law.

By rule of law, specifically under 12 CFR 1026.41 ( a ) ( 2 ), mortgage lenders and servicers are required to furnish billing statements to the borrower/customer. TD Bank has made myriad excuses as to their failure to provide billing statements, and continues to fail to send the statements.

I am requesting that TD Bank immediately resume the timely mailing of mortgage statements, as well as furnish all statements generated after XX/XX/XXXX. 

This is the third complaint I am forced to file against TD Bank due to their inability to adequately carry about basic functions on the loan and perform rudimentary servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Fed Loan Servicing coerced and deceived me into entering an unidentified program to make monthly {$5.00} payments toward student loan accounts, without disclosing that they were a debt collector. 

The company at no point in time ever identified itself as a debt collector. Consequently, I was never aware that I was dealing with a debt collector. 

In fact, I believed this company was a federal agency. Much to my surprise, the student loan accounts, dating as far back as 1989, are being reported as open on my credit profile at the national Credit Reporting Agencies ( CRAs ). 

Fed Loan Servicing has violated federal law by using deceptive and misleading tactics, not identifying themselves as a debt collector, in an effort to collect on more than 30 year old student loan accounts by reporting them to the CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Greetings, Mine must be an unusual complaint of clerical human error, yet evidently, I need your assistance and authority to command a solution. 
I habitually check XXXX XXXX 's XXXX score when paying my bill on their mobile app. In XXXX, I saw a XXXX pt drop in score. The issue was an inexplicable change in " Reported Credit History '' - from 17 years in XXXX, to the XXXX report, stating a mere 3 year history. ( screenshots attached ) XXXX states the info came from XXXX XXXX, but my credit report from XXXX shows my XXXX XXXX  account was opened in XXXX. ( Screenshot attached ). XXXX was made aware in XXXX & in XXXX, during many calls. On XX/XX/XXXX, XXXX XXXX ( supervisor ) was still awaiting word from superiors. 
To check, I recently signed in to the Experian app, which also showed a shortened credit history, even though the credit report Experian mailed to me also showed the Regions acct. opened in XXXX. Experian gave an Escalation # XXXX on XX/XX/XXXX. 
XXXXXXXX XXXX XXXX reflect credit score calculated @ XXXX. My XXXX XXXX & their XXXX app, both reflecting a 22 yr history, show a score of XXXX Excellent. Quite a discrepancy! 
Neither XXXX, XXXX, or Experian claims responsibility, nor the ability to correct their records on this odd occurrence. 
I have attached photographic screenshot evidence to prove my standing in these unresolved formal disputes. 
... 
I cant help but suppose the actions of Experian or other reporting agencies may use this ruse to promote their marketing attempt to push their ( paid ) subscriptions to their " XXXX XXXX '' programs. 
Meanwhile, time is of the essence, as I need to arrange financing for the XXXX Mortgage of my deceased father. 
Also, I recently applied for XXXX XXXX  's XXXX XXXX XXXX, and was approved at an a very high interest rate. XXXX reportedly use Experian for credit checks. 
Resolution : I plea to have the accurate Length of Credit History corrected on my file @ XXXX XXXX ( et al. ), XXXX XXXX, My XXXX, XXXX XXXX XXXX XXXX Rewards Card, and especially the Experian XXXX, including their mobile app.

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 2021-02-27
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
American Express has never sent me my bill with the proper discolure pursuant to the Card Act regarding the Minimum payment warnings : The CARD Act requires credit card companies to tell users 1 ) how long it will take to pay off their balance if they only make minimum payments and 2 ) how much they will have to pay each month to pay off their balance in 36 months. I'm not receiving my statement with the minimum payment disclosure pursuant to the Card Act. And I never opt in for over limit transaction with Hertz Car Rental. American Express has approved the transaction over the limit without my consent and it has damage my credit score pursuant to the Card Act concerning billing statement XXXX XXXX XXXX XXXX - XXXX XXXX ) regarding the opt in for over the limit transaction and the minimum payment disclosure.

Company response to consumer: Closed with explanation