BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
Company: AMERIS BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've had a checking account with XXXX XXXX in XXXX, Georgia since XXXX of 2017. I've only filed a dispute over a charge I did not recognize once in all that time. I use my debit card a lot because I really don't like to carry cash. XXXX keeps freezing my card without any notice and it makes me feel like they are trying to stop me from using my own money. It's not their money and it's not their right to keep me from using it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - XXXX # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

2. XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

3. XXXX XXXX XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXXXX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: TN
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:
THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I applied and received an auto loan through Td Bank/Td Auto Finance LLC on XXXX XXXX 2019. The purchasing dealer was XXXX in XXXX florida. I maintained/maintain a perfect payment history, never late, and always fully insured. On XX/XX/XXXX, 5 days after accepting another on time payment, Td auto finance deciding to charge off account and report to my credit to all 3 bureaus. No correspondence by email or letters, no calls no nothing. I only found out because I monitor my credit so closely. So I immediately contacted the loan dept, and they cant answer any of my questions, they transfer to me to their collection dept, where they are completely rude and refuse to correct any of the info. They claim they sent out 1 letter in XXXX by XXXX, but cant supply the tracking number.Now they have sent a letter demanding me give them Authorization to contact the Social security administration, but they word the letter as if its my request.the letter goes as follows- " We're committed to keeping you informed and responding to your banking needs. Today, we're writing to send you a Social Security Administration Form. Please complete this form and return it to TD Auto Finance LLC ATTN : operational Fraud management XXXX XXXX XXXX. XXXX XXXX, MI XXXX. Please respond to this request within the next 10 business days, or we will close YOUR request ''. I Never requested anything. The Letter is coming from a XXXX XXXX from a completely different address which is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. My credit is being negatively affected by an account that still is accepting payments on time, and had no legitimate reason to charge off an account in perfect standing. I was never notified of any issue, nor was i notified before the company reported to my credit as per the fair credit reporting act. The company is now reporting as a delinquent account. It hasn't been late or delinquent till this day. By Law i am not obligated to authorize anyone or any entity to access the SSA on my behalf. Even if i were too, the company has already charged off my account as a bad debt. XXXX even says " charge-off/Never LATE ''. XXXX XXXX at Td auto Finance refused to be recorded when I asked if i could. she disconnected the phone call. they would not speak to me any longer in fear that i would record the conversation. When i stated i will not record she said i do not believe you and hung up. After this conversation they then reported it as a delinquent account the very next day and then proceeded to send a fair credit reporting act letter stating that they must disclose that they will be reporting to my credit before doing so.I received this letter 17 days after they had already charged off account and reported to my credit. I Need Help.This can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a complaint with the CFPB asking them to check an account on my credit report for XXXX XXXX. Needless to say that the Bank is concealing that the fact that they have turned over the account with a collections agency. The collections agency responded as XXXX XXXX  and did not identify that the response was coming from a collections agency. I asked XXXX XXXX to send in the dates of delinquency and or to remove the account from my credit report. I was overcharged in a transaction with XXXX XXXX  deemed XXXX. They are still trying to collect on this account with all these problems. The credit Bureaus have yet to step in to determine where the problem is and to fix this issue. I want the payment history and I asked for them. No one has responded yet with this information.

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 2018-07-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I made out a check for XXXX to a credit card company. I deducted from my check register. A week later I received 3 alerts from Chase bank, which I have if my account goes under XXXX. The first said I had XXXXless than what i had calculated. The next day was an alert was a charge for XXXX which I did make, but still lower than the amount in my calculations. The third alert came the next day, that it went up to XXXX in my acct, with no transactions or deposits made. I went to the branch with my concerns over these glitches plus the fact that it seems im being charged twice for the XXXX check. I was told to come back today after impending transactions could or would make the account current. Today the bank stands by their calculations that I only have XXXX in the bank. And I stand by my calculations that I am missing XXXX. I have checked and rechecked to find my error and I do not find one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Check systems fraud with XXXX. When trying to open accounts denial of opening accounts due to check systems debt collectors

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 2018-03-08
Company: Real Time Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have requested that Real Time Resolutions XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Stop calling my phone over a Debt that I do not owe to their company. 
Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIT all further communication with me in regard to the referenced debt. 
Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIT. 
Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following company has made multiple inquiries of my credit. I am not applying for new credit. 
Dates include according to XXXX report include : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX, DE 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 2020-10-16
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Consumer portfolio service is leaving my mom voicemails stating they want to repo my car. His name is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: ALLY FINANCIAL INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX Ally Bank sent me an email that I needed to update the information for my beneficiary. 

On XX/XX/XXXX I emailed through the bank 's website : " I received an email to update my beneficiary information. My only beneficiary is a charity. What do I need to update? '' On XX/XX/XXXX I received a response " Hello XXXX XXXX XXXX, Thank you for taking the time to contact Ally Bank. Your business is important to us and we apologize for the delay in responding to your e-mail. We are happy to assist you with your inquiry regarding the beneficiaries that you have on file with us. 

Thank you for letting us know about the email you received. At this time, we can confirm this email was from Ally Bank. The FDIC is requiring Social Security Numbers to be listed for all beneficiaries effective XX/XX/2020 this is not mandatory until this date. Ally will be accepting other forms of identification in the near future for non U.S. Citizens and other entities. Required document information will be released as Ally Bank receives further details from the FDIC. Should you choose not to provide this information, your beneficiaries will remain on your account, however, you may lose a portion of your FDIC coverage. We apologize if this does cause any inconvenience. 

We appreciate your business and want to thank you for choosing Ally Bank. If you have any additional questions, we are here for you 24 hours a day, seven days a week. Our toll free number is XXXX ( XXXX ) or you can always visit us online at allybank.com. 

Sincerely, XXXX Ally Bank Customer Care '' On XX/XX/XXXX I wrote " XXXX, You obviously did not read my message. My only beneficiary is a CHARITY, which does not have a Social Security number. It has an EIN instead. Please confirm that you have the charity 's EIN on record. And please let me know immediately if you need any more information about my beneficiary. - XXXX '' I did not receive a response, so I repeated the email on XX/XX/XXXX. They have not responded.

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 2021-02-10
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my 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 2020-11-03
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
First Citizens Bank not paying a new account opening bonus of {$300.00}. I fulfilled all the requirements as requested. They still did not honor the agreement for paying the {$300.00} bonus. 

My account was opened on XX/XX/20. Did the required direct deposit requirements for three months and waited for more than 120 days. Called them twice, but they refused to honor the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
I signed up for an American Express XXXX Card. The offer was spend {$4000.00} in 3 months to get the bonus points. I met the spend in about 2 months and now AMEX is saying they won't pay out the bonus because I : either had this card before. ( I absolutely did not have this card before ) I closed other cards with them ( How is that relevant? I have spend over 30K with AMEX cards this year. They have been able to make their fee on each transaction. ) This is misleading / false advertising. The rules were simple. Meet the spend, get the bonus. 

Please hold them accountable. 

I have attached the statement showing the bonus was hit and the points were put into pending status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
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 information incorrect

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consunter reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
every week for the past 2 months Penn Credit Corp at  XXXX either leaves a message or when call is answered a voice automated teller indicates that we owe a debt of {$74.00} to publishers clearing house. If we are submitting payment via mail press 1, if we can not make entire payment press 2, if we want to currently pay over the phone press 3 to speak to a representative. We have attempted to each prompt and to have our number removed by speaking with a representative and the calls continue. Today XX/XX/18 we pressed 3 to  speak again and it is now asking for a pin number to continue the call. In previous calls, it indicated that the amount was going to be removed from our XXXX XXXX account. This is a SCAM. We do not owe money to XXXX XXXX XXXX and want the calls to stop immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
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: Information belongs to someone else

Complaint:
Request to Reinvestigate & Delete Accounts Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 


XXXX XXXX  {$420.00} XXXX {$500.00} XXXX XXXX {$310.00} XXXX XXXX {$530.00} XXXX XXXX {$150.00} XXXX XXXX {$10000.00}

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 2018-03-08
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:
I have a lot of inquiries I didnt not apply for on my 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 explanation
Consumer complaint received 2021-03-04
Company: National Credit Systems,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:
I do not have a contract with National Credit Systems Inc for any services rendered. These clowns are adding things to my credit report that I would like removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Exeter Finance Corp.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The finance company allowed 4 deferred payments and it has been stated that we have to ask for a hardship removal when I actually was allowed deferred payments put at the end of my car loan. I have disputed and nothing has happen and trying to pre qualify for a home my score has dropped 100 points

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Millco Management
State: NC
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:
On XX/XX/2019 I visited XXXX Hospital in XXXX North Carolina. I had insurance ( XXXX ) at this time and should have been covered fully. The XXXX in XXXX county has confirmed this and I have been working with XXXX, who is fantastic and helping search this problem daily. My account number with AmeriFinacial Solutions is XXXX and the reference number is XXXX The above mistake on XXXX XXXX XXXX has cost me dearly in interest rates, declined credit lines, declined automobiles and many other headaches. This must be deleted from all three credit reporting bureaus immediately or I will seek council for damages. I highly suggest you reach out to XXXX in XXXX and get this resolved in very short manner. The total bill is now XXXX This has already been removed from XXXX. However, it is still showing up on XXXX. This has been requested months ago to be removed as I was not held responsible for this account. XXXX has called you months ago to remove this. Remove this immediately and send me a written copy with company letter head that you will be deleting this. Otherwise, you leave me NO CHOICE but to seek damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation