BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-14
Company: Alpha Recovery Corp
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:
In trying to correct my credit due to an injury at work and illness that caused problems, I found collections accounts and one from XXXX  XXXX XXXX with a balance of {$280.00}. I contacted them to validate the account, as I was unaware of it, so I proceeded to validate my info to prove my identity only to be responded with : " Thank you for verifying your information. Your account is currently being serviced by Alpha Recovery Corp. You can contact them regarding payments or any inquiries you may have ... '' I now proceeded to contact Alpha Recovery Corp to validate my debt that I still haven't been shown valid?! They responded with email and mail validation, so I called to pay off debt immediately. I was emailed instantly and later mailed a letter that the payment was given to satisfy account. I also asked if it was going to be removed from credit reports and show corrected information and was assured it would be. 
I have disputed with the three credit agencies due to the fact my reports STILL showing collection balance and open/ongoing re-aged?! 
Dispute results were : The company that reported the information has certified to XXXX ( others as well ) that the information is accurate. This item was not changed as a result of our processing of your dispute. 
I must note that this is being reported by XXXX  XXXX XXXX? 
I did my part in correcting hardships and paying off debt, they should honor their part! This is harming me with home leasing/purchase!

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-05-28
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To whom it may concern : I have had a TD bank credit card since XXXX as I am told by them. I do not personally remember when I opened the account. It had a XXXX limit. I have been a member of TD bank and currently have other credit cards of theirs for years, since back when TD bank was XXXX XXXX. I have good credit and have never had delinquency issues with TD bank and have an excellent payment history. I had a credit card with them that I did not use for a period of time so I received a letter from TD bank in XX/XX/XXXX saying that if I did not use the card they would cancel the card on me. So since I did not want to lose this card I decided to start using it. I proceeded to use the card for 2 months charging over 800.00 on the card. The card was set to expire in XX/XX/XXXX and I thought I would get a new card in the mail since I proceeded to use the card and pay 2 monthly statements. I called up TD Bank and asked them when I would receive my next card. TD bank told me that they canceled the card and would NOT send me a new card due to inactivity. 
I told them I was using it and they knew I was using it! They still said that since it wasn't used for a period of time they were canceling it on me. My question is why did they send me the notice letter if they were cancelling me anyway!!? I felt robbed out of XXXX because I would not have used it but for the notice letter I received. But it isn't about the money but the fact that they canceled my credit card period, my revolving line of credit. TD told me I could reapply if I wanted to, knowing that that would cause a pull on my credit just so they could deny me or give me a lower limit! I feel robbed because I did what I was supposed to by using the card and paying 2 month 's statements.They should have done what they said and allowed me to keep the card open. I also called TD later to ask them to withdraw my wife as an authorized user and they told me I couldn't because the card was in canceled status. I lost my points also on anything that I bought. This is not right and I am formally requesting a complaint against TD credit card services and bank. I want my credit card opened up again, not only for use if needed but also so I can remove my wife from the account, so she isn't strapped down with debt that is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: ONLINE Information Services, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I called Online Information services XX/XX/2020. My intention was to advise I was in receipt of their mailing postmarked XX/XX/2020 in response to my certified dispute letter and to advise the response was incomplete! The agent took my call at approximately XXXX cst. The agent quoted the Mini Miranda followed by a request to record the call! I agreed to the recording of the call and advised the  agent I would be recording the call as well for my records! The agent immediately disapproved of me recording the call so I withdrew my initial consent to being recorded! I subsequently declined a inbound call back XXXX considering the potential of fraud from being a previous victim of Id theft ) and requested a direct line to a supervisor! The company/agent did not have protocol in place to respond to my request and continued recording the call! She placed me on hold for close to 5 minutes before returning to the call with a generic Hello? ... Hello? then proceeded to deliberately disregard my verbal responses to her Hello terminating the call prematurely with no explanation or salutation! I initiated a 2nd call to alert a supervisor on duty that a rep violated the FDCPA and was advised by an operator This is Collections and NOT Customer service ... the operator placed me on hold for 10 minutes then transferred me to a managers voicemail where I left a message that has yet to be returned. This company has provided no validation or verification of debt and refuses to comply with my request via telephone or mail! The company is reporting 2 trade lines and was sent 2 dispute letters but  combined the response on a vague printout. Attached is a printout of the paperwork sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This email has been forwarded to you after we received a decline letter from Regions. We asked our local branch to send this email up the chain within Regions. Its been two weeks or longer and I can not pay my part of our Bills. 

Notice the Duration of 1st call and the date in attachment 1 Attachment 2 - Screenshot of the dash on my car and the number that called me.

Attachment 3- What showed up on my phone and why I answered it and thought it was legit Attachment 4- Notice date and the two charges that I absolutely did not make!

Attachment 5- Notice at the top it's the same time during this call the Regions Rep prompted me to open this attachment. Telling me to press yes, I told them three times I did not feel comfortable doing this. She assured me this was the only way to get the pending funds back into my account. So I did. Then told her it was against my better judgment though. 

I'm a hard-working woman holding down two jobs to make ends meet. We expect our Bank to have good enough security to keep hackers from getting so much of my banking information that they covered in the first 2 minutes to convince me it was Regions. I mean recent charges, everything. In the past year my husband has had to change his debit card twice and myself three times because our cards became compromised. 

I need my funds put back in my checking account. Please help.

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 2020-11-17
Company: CBC Companies, 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: Information belongs to someone else

Complaint:
on XX/XX/20 I was checking my credit for accuracy when i realize that there were accounts in my credit that didn't belong to me .these accounts are fraudulent I did not authorized these accounts, they should be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have made over pmts when I can because I know longer have a monthly income. I Noticed my XX/XX/XXXX/XX/XX/XXXX/XX/XX/2018 I over paid and was charged my counties 6 % for the over pmt amount instead of the {$19.00} sales tax per signed and agreed upon contract that the base would be {$320.00} but {$320.00} it fluctuates monthly and sales tax should be {$19.00} but also fluctuate to {$19.00}. The problem is that when I made a overpmt they taxed me the 6 % on my over pmts that I'm not due for for XXXX/XX/XX/XXXX, XXXX/XX/XX/XXXX, XXXX/XX/XX/XXXX. I have been told several lies and denied to credit me the extra taxes they charged on a over pmt, I was told the 1st call about it, something was offset in XX/XX/2018 and when I made the unexpected over pmt it corrected the issue, I then asked what was offset and she/rep could not show any prove to what she said. She then says the {$11.00} credit charged sales tax from XX/XX/XXXX went to next month bill but I was charged even more sales tax because I paid {$540.00} so they taxed me 6 % again on my over pmt amt, my lease pmts are {$340.00} and they say they can charged me more in taxes when I over pay. So Iam being penalized for paying in advanced!!! I explained, I was in a car accident and lost job and have NEVER been late. I have been told more lies and they blame it on the state/county, I explained I'm in same state I purchased vehicle as they can see on account and Michigan State and ALL counties taxes are 6 % after they tried to say it's the state taking more taxes as if I did not sign a contract agreeing to a set amount. I ask, If I can pay upfront what's left of the taxes of XXXX on the car and was told no and in the future will continually be charged more taxes if I over pay which breaches the contract on a set amount to be allocated correctly, I set the contract up to only pay what the contract states, what I'm obligated to pay and NON MORE. The recorded calls will show that they are liars, this last supervisor that I talk to today said our call was not recorded which should not be legal when their is a discrepancy. I know longer want the vehicle because they XXXX a XXXX XXXX XXXX! I will never get another vehicle and will push for others to do the same because XXXX is a XXXX XXXX. Thank you for your time reading my complaint and hope I don't have to get a class action lawsuit together because the people who can afford to pay more is not cheated like they do the elderly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  The current status should not be showing late because I paid it on time. TransUnion Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REPAIR THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX  XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}, XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2018-03-09
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Wells Fargo customer representative made an UNAUTHORIZED change to my account without my permission or knowledge. The representative reported a legitimate charge to the fraud department and put a stop payment on the vendor after an unpleasant exchange where I explicitly asked her not to do so. 

Subsequent Wells Fargo representatives were not helpful in resolving this issue. I had to call several times, spend more than two hours on the phone, and worked with six different representatives to address specific aspects of the problem. I am still not sure the issue is fully resolved. The entire process was unnnecessary, time-consuming, and frustrating.

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 2022-10-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-10-06
Company: EQUIFAX, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Aargon Agency, 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:
Collection Agency Aargon Agency is not located on my state secretary website that this agency/company is licensed and/or bonded to collect in my home state of Florida. Debt was last reported XX/XX/3018 in the amount of {$180.00}

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-06-30
Company: Optimum Outcomes, Inc.
State: GA
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:
These accountst should not be on my credit report. XXXX has stated that they have verified the accuracy of the information by minimal confirmation. I do not owe these debts. there is one for {$30.00} with optimun outcome. 

There is an account with XXXX XXXX in the amount of XXXX showing the high credit limit of {$1000.00}. This item needs to be deleted because the contract has been terminated and the account that has been transfered or sold has been resolved. I am no longer tied to this alleged debt and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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