BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Sunday, XX/XX/2019 at about XXXX XXXX. I applied online for a XXXX XXXX XXXX ( XXXX ) home loan with a licensed XXXX home loan officer located in the State of Iowa. The male XXXX loan officer told me that " TransUnion '' had a " Credit Freeze '' on my " TransUnion '' credit file. And that XXXX could NOT proceed with my online home loan application until my " TransUnion Credit Freeze '' was unfrozen. The XXXX loan officer told me to call " TransUnion '' at XXXX and I immediately did so. Yet the employee at " TransUnion '' told me that " TransUnion '' could NOT release my " Credit Freeze '' over the phone even though I had answered CORRECTLY all of their " Security Questions ''!!!!

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 2019-05-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..Please delete the following student loans DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PMAB has several collections on my credit reports. But I had no idea until I saw my credit report. I never heard of them and do not know anything about these. I do not feel it is legal to simply put bad information on my credit report without contacting me first and allowing me fair chance to agree or disagree, and then if agree to pay it so it does not go on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: Jon Barry and Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been to XXXX XXXX only on emergencies and I have XXXX insurance they never did anything for me in the emergency room they only referred me to other doctors I don't understand how this could be affecting my life so much when they really have no right to be trying to collect anything they charged my insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
We contacted TransUnion Credit Reporting Agency about a week ago we did call for a date but the customer service would not give us the call date. The complaint is XXXX XXXX credit score was about 735, then it dropped 25 points. XXXX called TransUnion to ask why his score had dropped XXXX points they said it was due to a old negative mark from XX/XX/2011. The negative mark as been on his record sinceXX/XX/XXXX and is the only negative mark on his record and is due to come off XXXX of this year. They admitted he had good payments and other negative marks.

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 2020-07-01
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 the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Received threatening notice that they could take my wages, money and property without warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Complaint : I have a public record & XXXX  XXXX  entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-05-27
Company: NCC Business Services, Inc.
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived in the XXXX XXXX XXXX where I lived for eleven months which was paid up. My lawyer XXXX. XXXX, XXXX. The Apartment was Inhabitant to live in n Att. XXXX instructed Me to move, A letter was presented to the Resident Mgr. on My move. Attachment is the letter written to the Manager. My Attorney XXXX. XXXX can give more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
CHASE HAS ALREADY RECEIVED ALL OF THE 4 ATTACHMENTS WITH NO POSITIVE RESULTS AS OF THIS COMPLAINT : ATTACHMENT 3 - SEE CHASE  ONLINE BANKING FOR THE DATES MENTIONED IN DISPUTE TIMELINE ( CHASE VERY UNTIMELY IN RESPONSES ). ESPECIALLY ... ... 
XX/XX/20 RESPONSE FROM CHASE THAT STATED THAT HOLD HARMLESS LETTER WAS NEEDED BY XXXX XXXX XXXX ( XXXX ). SEEMS THIS HHL WAS NOT SUBMITTED TO XXXX XXXX XXXX AS WELL AS THE XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I lost my credit card on my way to XXXX. As soon as I got there, I canceled the card and asked for an emergency replacement card under the terms of my XXXX agreement, as follows : The following statement was taken from the XXXX web site : If your card is lost, stolen, damaged or compromised, we will work with your financial institution to approve and expedite the delivery of an emergency card to you. XXXX XXXX XXXX XXXX XXXX XXXX are on stand-by. Call us toll free ( XXXX ) or call one of our global toll-free-numbers. 

I tried over and over again for 7 days to get a replacement card. XXXX could only tell me that TD Bank had not yet approved it. TD Bank said it was waiting approval. After a week, TD Bank said my request was denied and was unable to provide any reason for the denial, or any person who could explain it. This seems totally wrong for a person who has not had any late payments in over 25 years and has an XXXX credit rating to be treated this way. If they had provided a reason, I could have corrected any misinformation they may have had, and gotten the replacement card. 

As a result of TD Banks refusal to replace my credit card, I was later erroneously charged {$330.00} from a car rental company who was never willing to provide me with a car. 

When I returned from XXXX, I contested the charge for the rental car and {$330.00} was taken off my bill on XX/XX/2018, after which I sent TD Bank 3 different sets of information supporting my chargeback claim. 

On XX/XX/XXXX, the charge was reposted to my account. I was about to file a formal complaint at that time, but on XX/XX/XXXX, I was sent a letter stating that the dispute was resolved in my favor. However, to this day, they have refused to credit back my {$330.00}. It has been 23 days since the dispute was resolved in my favor. I called on XX/XX/XXXX and was told I would have to wait another 3 or 4 days. 

Today ( XX/XX/18 ), I spend an hour on the phone trying to get an answer. The answer I got was infuriating. I was told We made a mistake and you will get your refund within 14 days. That would be a total of 37 days that they have been holding my money without justification. I also have no reason to believe that they will honor the 14 day commitment. 

When I asked to speak to a supervisor, I was told that none were available, and one would call me back in 24 to 48 hours. I find this totally unacceptable when a charge appears on my account in less than 5 minutes, but it takes 37 days to return my money that they have because of their mistake. I was forced to pay them this money to avoid finance charges. 

So, I am asking for the immediate return of my {$330.00}, and that they pay a penalty to you or me for misappropriating my money and violating the terms of my XXXX agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-27
Company: BB&T CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened up a new checking account with BB & T bank based on an new account bonus of {$300.00} on XX/XX/XXXX, via the following weblink : XXXX : XXXX. I have not received the bonus despite multiple communication attempts via secure email, phone, and email with the branch manager XXXX XXXX beginning XX/XX/XXXX, and ending XX/XX/XXXX. I have fulfilled the terms of the new account bonus. Below are the terms of the bonus : BB & T is offering a bonus of {$300.00} when you open a new BB & T elite gold checking account. You need to open the account with the promo code XXXX and complete one of the following requirements : Maintain an average daily balance of {$5000.00} or more within 75 days of account opening OR Complete direct deposits of {$2000.00} or more within 75 days of account opening Offer is limited to one incentive per household Any account not in good standing, closed or with a balance less than or equal to zero at the time we review account eligibility ( between XXXX days of account opening ) will not receive the bonus All bank account bonuses are treated as income/interest and as such you have to pay taxes on them I completed XXXX direct deposits of {$1000.00} on XX/XX/XXXX, and XX/XX/XXXX, ( 53 days after new account opening ). It has now been 161 days since the new account opening and the bonus has not posted.

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 2018-03-16
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been a victim of Fraud with several accounts and attempts to open accounts, including store cards and services. I have disputed many times with XXXX, XXXX and XXXX so some has been fixed. There still has been one from XXXX XXXX as an inquiry which I have disputed over five times in a years time, then disputed with XXXX fifteen times in many disputes and called their customer service, spoke to a rude girl named XXXX who said she cant control what the credit bureaus report and she couldnt even find my information, then transferred me to a voice mail where I never received a response. Im still writing to them. I already submitted another request to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
I paid this loan with self off the way they reported the loan should had been paid in full instead they reported closed account. This caused my score to plummet 44 points.

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 2019-05-27
Company: BBVA FINANCIAL CORPORATION
State: KS
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 have tried to call numerous times, I keep getting transferred to multiple departments who are either closed or place me on long holds before disconnecting calls saying due to system technical errors. 
I have received your response, and to clarify my request I demand you cease and desist reporting to all credit bureau agencies, and delete the entire account history in full for inaccurate reporting. I am disputing the debt you have charged off which is why I want all communications with me stopped regarding the account. You dont have any right to damage my credit report after you have incorrectly applied a payment reimbursement '' as a curtailment. You are a not using common sense, and I don't care what your policy is because it is invalid in this case. The payment was not sent to you from an insurance company, it was sent to me as repayment for money I spent out of my own pocket to fix the car. As I have stated numerous times that money was allocated for monthly payments in my budget and it is not up to you to decide have to distribute my money on my accounts. Therefore you are in violation of several consumer protection laws I will hire an attorney to enforce in a federal court of law while requesting at least {$75000.00} in damages along with attorneys fees if this account history is not removed from XXXX, XXXX and XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt collector is attempting to collect a debt on behalf of XXXX XXXX which is not valid. 
Original Creditor states rent is owed for XXXX of 2020. I purchased a home and moved OUT of the rental property XX/XX/2020. 

I previously gave notice to rental company that I was leaving. 

My lease expired in XX/XX/2020 and they allowed me to excercise a 2 month, Month to Month lease which I used for XXXX and XXXX. 

I have asked for debt validation SEVERAL times.

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 2019-05-27
Company: EQUIFAX, 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:
I have tried to call numerous times, I keep getting transferred to multiple departments who are either closed or place me on long holds before disconnecting calls saying due to system technical errors. 
I have received your response, and to clarify my request I demand you cease and desist reporting to all credit bureau agencies, and delete the entire account history in full for inaccurate reporting. I am disputing the debt you have charged off which is why I want all communications with me stopped regarding the account. You dont have any right to damage my credit report after you have incorrectly applied a payment reimbursement '' as a curtailment. You are a not using common sense, and I don't care what your policy is because it is invalid in this case. The payment was not sent to you from an insurance company, it was sent to me as repayment for money I spent out of my own pocket to fix the car. As I have stated numerous times that money was allocated for monthly payments in my budget and it is not up to you to decide have to distribute my money on my accounts. Therefore you are in violation of several consumer protection laws I will hire an attorney to enforce in a federal court of law while requesting at least {$75000.00} in damages along with attorneys fees if this account history is not removed from XXXX, Equifax and XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I bought a {$640.00} money order and I filled it out to my landlord he calls me a week later saying he never got his money order for the rent so I called them when you ordered a number on a money order and they told me it was cashed XX/XX/XXXX so I paid {$25.00} to get a photocopy of the money order and the other paperwork tell me where it was cashed and all that so I don't get a police report and I take it to the bank TD Bank at XXXX XXXX XXXX XXXX I go in there and talk to XXXX who - vice president and I tell him what happened and he looked at my photocopy wanting his office prank it up on the screen and he said he knew what was going on the same guy was stealing money orders and checks out of the mailbox and he did it like 20 times he cashed yet he cashed my money order and everybody else is in his own name in his own account at the bank and none of the checks or money orders had his name on it he deposits on there and they gave him the money even though they weren't for him and now TD Bank and then mr. XXXX who XXXX was supposed to give me the number to the detective and told me to get on the caseload the number he gave me was the wrong number there was no detective there and every time I try to call back if you don't answer my phone calls you don't call me back I leave message they don't call me back I don't know what else to do I'm in a loss I got the police report the receipts everything my landlord is threatening to throw us out if you know he don't care what happened I'm scared

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My name is XXXX XXXX and i applied for an American Express card and was declined with no reason given. This was on XX/XX/2019. I decided to call the XXXX XXXX XXXX provided. 
I inquired from the customer service personnel while i was declined, he informed me my credit score was not a factor in their decision but was based on my past. That i had an American Express card that was charged off over ten years ago. I said that was my past that i paid for with my credit messed up for about seven years because they reported me to the credit bureau. I am a different person now with a credit score of XXXX. I know of people who had their American Express Card charged off in the past and were given or have American Express card. I feel this is discrimination against me. You can't punish some one twice for the same offence. I am a lot wiser and very responsible with my credit history. I will not have a credit score of XXXX  without being responsible managing my finances. I will appreciate for you to investigate this injustice and rectify it. Am sure am not the only one discriminated against.

Thank you in advance for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation