BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately.Therefore you are to present to me with a certificate in testimony that the alleged accounts listed in Facts 9,10, are in fact compliant and not subterfuge ( Copied from the Affidavit )

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 2020-11-30
Company: FISERV INC.
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have a prepaid Money Network card rom my employer which is where i receive my paycheck. I noticed that there was a lot of money missing form my account on XX/XX/2020. I immediately notified them, they did issue me a new card and sent me forms to fill out. I filled everything out, along with a written statement explaining what happened. I do not often check this account, however when I was made aware of the problem, the scammers had stolen over {$3600.00} from my account. All charges were at gas stations and XXXX XXXX. Looking at my account, you can clearly see these charges should have been flagged ling before this amount should have been taken. Money Network said it would take up to 10 days. I called them again, and they said my claim was denied. I have filed police reports with the XXXX XXXX Police, the XXXX County Sheriff 's Office and the FBI since it is a considerable amount of money and yet Money Network still will not reopen my case. When I spoke with the police, they informed me that they are aware of this problem and have been unable to apprehend the scammers. I am reaching out to you in hopes that you can question the integrity of this institution and do the right thing by getting me my hard earned money back. I am not in a position to lose this amount of money. I can be reached at XXXX or XXXX. Thank you

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 2020-11-30
Company: CNG FINANCIAL CORPORATION
State: TN
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 XXXX. XXXX, XXXX, AXCESS FINANCIAL add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I sent a Goodwill letter to Capital One explaining the severe financial hardship that I experienced which resulted in late and missed payments.  At the time of the late payments, I was going through very serious financial issues.  I have a young child, a full-time job, was in school, and my husband and I were going through difficulties.  To be honest, we still are.  A lot of the difficulties stem from financial hardships.  I say that not to justify why the payments were late because honestly, I was wrong and I know that I was wrong.  However, I would like to show that the late payments are not a good indicator of my actual credit worthiness.  Capital One refused to remove the late payments despite my exceptional credit prior to the hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: KEYCORP
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My ex-wife and I opened a KeyBank joint checking account in approx. XXXX. The account apparently had overdraft protection. In XXXX, I was commissioned as an XXXX XXXX XXXX XXXX and my family and I were transferred to XXXX. There were no KeyBank locations in the country ( not surprising ) and, therefore, we changed our bank to one that had a presence on the base. We attempted to close the KeyBank account but were told that we had to do that in person -- which, obviously, we could not do. We stopped using the account and had all of our associated auto payments stopped and transferred to our new account. We did not believe we had any money left in the account and that it was effectively closed. In XX/XX/XXXX, I received a phone call from KeyBank, informing me that they were attempting to collect a debt. I was very confused, because we had not used KeyBank in well over a decade. The representative informed me that I owed the bank approx. {$2500.00}. After MANY phone calls with the bank, I have finally been informed that this balance stems from a $ XXXX-per-month auto payment on two XXXXXXXX XXXX XXXX policies for me and my wife. It appears that there still was enough money in the checking account to cover these premium payments for several years, but once those funds were depleted, the bank began applying overdraft. This went on for YEARS, without the bank ever informing me or my ex-wife. We have been assessed hundreds of dollars in overdraft fees, late fees, interest, etc., and were not informed of any of this activity until the XX/XX/XXXX phone call to " collect a debt. '' In the meantime, KeyBank has reported this debt to the various collection agencies, which has obliterated our credit. In my conversations with the bank, I have expressed my willingness to cover the cost of the insurance premiums, but I have respectfully asked that the bank waive the overdraft fees, late fees, and interest given the extenuating circumstances -- namely, that this issue arose through a combination of my family and I being stationed overseas ( and unable to close the account due to KeyBank 's unreasonable in-person requirement ), the bank continuing to assess all kinds of fees and penalties for YEARS, and the failure to notify me or my wife until the bank attempted to collect a debt of which we were not even aware. To date, KeyBank has been completely uncooperative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-02
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This is against Direct Express. They are not crediting me back refunds that companies have put through for me. I am owed nearly XXXX dollars between 4 transactions. They need to allow refunds to post to the card. I have the id numbers of the transactions I'm speaking of. I want my money back. 
Auth code for XXXX cancelled purchase XXXX XXXX Auth code for conditioner. At XXXX I returned XXXX XXXX Transaction id for XXXX it designs shirt XXXX And XXXX who just put through for a credit to my account on Friday XX/XX/2020. For XXXX. They have tried twice and it is never credited to my card I'm sure I can get the XXXX auth code if needed. This is all the proof I have repeatedly been calling to give them. Everytime I'm hung up on. Other times I'm on hold for an hour and then call ends. I never get a person

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
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 belongs to someone else

Complaint:
THE DISPUTED ACCOUNT HAS APPEARED ON MY CREDIT REPORT WITHOUT MY KNOWLEDGE. I AM NOT LIABLE TO THE LISTED AND I AM REQUESTING FOR THE ACCOUNT TO BE COMPLETELY REMOVE OFF MY CREDIT.

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 2020-11-30
Company: EQUIFAX, INC.
State: AZ
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:
i am a victim on ID theft, there are som inquiries on my report that I didn't allow

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XX/XX/XXXX I was notified of yet another fraud entry of a debt on my transunion credit report.. I attempted to file a dispute and it does not allow a explanation for your dispute.it appears it goes to a third party and your restricted by less then 20 words to explain your dispute..insufficient as it allows only 2 sentences to address complaint and dispute. THe next complaint pursuant to FCRA where a credit reporting company can only accept a debt for collection if it was a agreement to pay debt, a contract or a judgement was enter none of these exist from receivable performance mgt ..This collection company is not only not authorized to collect any debt, but fabricated a debt and did great harm to my credit. That I never had a debt with XXXX XXXX, nor did I pay bills to XXXX XXXX, nor did I have a contract with XXXX XXXX..XXXX XXXX is where I had a financial relationship with for a year. XXXX XXXX informed me that XXXX XXXX been paid in full and in advance That this collection is a fraud and without merit. Transunion must act immediately there is no grounds or justification to enter a fraud entry on my credit report with out proof of debt, or even if they are in compliance with federal and state laws.Transunion failed to come into compliance with FCRA and should be held accountable.

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 2018-03-03
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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 made a purchase with XXXXXXXX on XX/XX/2018 using my XXXX credit account issued by TD Bank. I scheduled the delivery of the TV and the delivery company did not show up when on the date it was scheduled, so I had them return the TV to XXXX. So I never received the TV. Order number with XXXX is XXXX. XXXX Tracking number is XXXX. 

XX/XX/18. XXXX XXXX XX/XX/18. Shipping company XXXX did not deliver the tv as promised. 
XX/XX/18. Talked to shipping company and told them to return to XXXX. 
XX/XX/18 XXXX received the TV back at there warehouse. 
XX/XX/18. XXXX finally acknowledges on my account that they received the tv, but never issues a refund to TD Bank. 
XX/XX/18 Talked to XXXX and the hey said they canceled the order so a transaction was canceled so there should be a credit with TD Bank. 
XX/XX/18 TD Bank says they show a transaction and it was not canceled with them. 

Agents Name at XXXX was XXXX XXXX XXXX at XXXX Agents Name at TD Bank was XXXX at XXXX TD Bank also told me I need to continue to make payments until the dispute is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received multiple calls and texts from an XXXX, FL number XXXX that is associated with Synchrony bank. Calls on XX/XX/20 @ XXXX, XXXX, and XXXX. Calls on XX/XX/20 @ XXXX and XXXX. 
I have received texts from this text number, XXXX, on XX/XX/20 ( FreeMsg : Synchrony Bank. Attention Requested. This is to collect a debt info will be used for that purpose. mysynchrony.com or call XXXX. To opt out reply STOP ), XX/XX/20 ( FreeMsg : Synchrony Bank. Your CareCredit acct. is past due. Call XXXX or go to mysynchrony.com. This is to collect a debt info will be used for that purpose. To opt out reply STOP. ), and XX/XX/20 ( FreeMsg : Synchrony Bank. Payment reminder on your CareCredit acct. Call XXXX or go to mysynchrony.com. This is to collect a debt info will be used for that purpose. To opt out reply STOP. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2021-10-07
Company: EQUIFAX, INC.
State: IA
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: Was not notified of investigation status or results

Complaint:
I sent a dispute letter to EQUIFAX damn near two months ago pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless. What the XXXX is going on? Im getting really XXXX off and looking to take legal action at this point!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Debt Recovery Solutions, LLC
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I submitted a dispute letter to XXXX asking them to investigate and verify/validate an account thats displayed on my credit report. Its has since been about 2 months and XXXX has yet to respond or even notify me of any investigation results or updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: EQUIFAX, INC.
State: CA
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:
I reviewed my credit report and found that several companies did hard pulls on my credit report. XXXX recently did a hard pull of my credit. I spoke to a sales a agent in my front yard about signing back up for their services. The sales person said that they would not run my credit. I signed up to speak to someone. I never gave my SSI number ever. my wife was standing next to me when the sales person said 5 or 6 times they would not run my credit. They asked for my driver license number so they could run a premise history. When I check my credit I noticed XXXX conducted a hard inquiry. I contacted XXXX along with the sales person and they did not have any answers for me. This is the 3rd time XXXX has run my credit over the last 2 years without permission. I submitted a dispute with Equifax and they spent a whole 24 hours conducting an investigation. 

I also submitted a dispute on XXXX XXXX They did a hard inquiry in XX/XX/2016. I have made several attempts to file a dispute with Equifax and they continue to say the company had permission. I have never heard of the mortgage company and I was not looking for a montage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: ENCORE CAPITAL GROUP INC.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hi, my name is XXXX XXXX a XXXX XXXX guy. 

The reality is that these companies take advantage of the ingenuity and youth to be offering you credit cards every time you go to pay I remember that whenever you go to pay they tell you that you have a discount if you apply to the card, cards that when you are studying clearly in this he is studying to get into debt and then damage your credit for the future for this reason these debts that I have in collection are from credit cards since my car pays it daily, clearly these cards wanted to harm my future and they did so now I am XXXX I would like to restore my future and I want them to investigate the practice they did when I was younger to persuade me and profit from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a credit monitor alert of my credit score drop due to a change on my credit card. When I logged onto my account XXXX credit card ( Comenity Bank ) had change my credit limit from {$350.00} to {$100.00}. I've contacted the company to see what happened and they only told me that a letter was sent to me by mail of the changes. It took weeks for the letter to arrive and when it did it stated the changes was made based off what was on my credit report. The problem to me is that I have never been late on my payments, never asked for assistance but when I decided to pay off my credit card they decided to lower my credit limit. I've never asked them for an increase to my credit limit the whole 2yrs I've had my account. I even contacted all 3 credit bureaus and they don't see why the company made that decision. Plus the letter even had my credit score incorrect when they made the decision. I have mailed a certified disputed letter to them and still no changes. They claim they can not make any changes on my account in which I believe is untrue. I don't understand how the company can get over on customers that are doing right with their accounts like this that makes bad business to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Amsher Collection Services, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMSHER COLLECTIONS stated I opened an account with them. A loan and credit card. I had not. I asked them to send me original documents with my wet ink signature proving that I opened these accounts and gave authorization to insert an account on my credit profile and I have not received them. I have requested numerous times for this information. They have not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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: Was not notified of investigation status or results

Complaint:
I HAVE 2 WRONG PREVIOUS ADDRESSES THAT ARE NOT FACTUAL

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