BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-18
Company: TD BANK US HOLDING COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I filed an complaint with the XXXX No. XXXX  and No. XXXX against Target Card Services for an account credit that had NOT been applied to my charge card account as promised and because my account had been frozen by them on or before XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX and a letter on XX/XX/XXXX from XXXX of Target Card Services stating that on XX/XX/XXXX ( {$28.00} ) and XX/XX/XXXX ( {$39.00} ), two late fee charges were credited back to my Target Card Services account but they did NOT. Target Card Services applied the two late fees charges of {$28.00} and {$39.00} on XX/XX/XXXX to my monthly minimum payment amount due and to my total account balance due. But my Target Card Services account was frozen by them on or before XX/XX/XXXX, so how did my total account balance due increase if I can not use the charge card. Target Card Services committed FRAUD and are trying to SCAM a consumer and one of their Target REDcard account holders. As of today XX/XX/XXXX Target Card Services still has Not applied the XX/XX/XXXX {$28.00} credit to my charge card account or reversed on XX/XX/XXXX the {$39.00} late fee added because Target Card Services did NOT apply the credit promised by XX/XX/XXXX the bill payment due date. Since XX/XX/XXXX every month Target Card Services has been adding late fees and addition interest charges to my charge card account when I paid in full my portion of the amount due to my account by XX/XX/XXXX Every month I pay the minimum amount due to my charge card account established with billing cycle XX/XX/XXXX. And if I am ever late paying that amount I always include a late payment fee with it. Target Card Services FRAUD, ILLEGAL ACTIONS, and SCAM are ruining my credit report history, and for NO REASON. It is fraud, illegal, and a scam for any credit card company like Target to add account credits promised consumers to their monthly minimum payment amount due and the consumers total account balance due, when the consumer has NOT used the charge card account. I would like Target Card Services to fix my account immediately and apologize for their retaliatory behavior towards me, a consumer and Target REDcard account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Federal Student loans are reporting on my Credit report with a balance of {$1300.00} & {$2400.00} Stating In XXXX was Green indicated Was paid on time then XXXX says 90days late how can XXXX be on time but jumps to 90 late in XXXX. Clearly an Error

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 2021-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable and needs to be removed ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I don't know what this charge is for that's on my credit report. Its not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: SYNCHRONY FINANCIAL
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 hold three Synchrony Bank cards ( Mattress Firm, XXXX XXXX and Care Credit ). They all have XXXX balances. Today ( XX/XX/2020 ), I received an e mail from XXXX, noting that my maximum credit allowance at Synchrony was reduced by several thousand dollars, resulting in a decline in my credit scores ( from the 800s to the 700s ) .I contacted Synchrony and I was advised that since I had not used the Mattress Firm card in some time ( about 2 years ), they were lowering my credit limit ( {$8000.00} to XXXX. ) I asked that my original credit be restored and I was told to apply for an increase in credit. This application had nothing to do with credit worthiness and in fact may have resulted in an unnecessary review of my credit, again affecting my score. 

If I had used the card, I would have increased my debt, most likely being reflected in my credit score. If, as I did, not use the card, the end result appears to have been the same. Synchrony bank never notified me of their impending punishing action, and proceeded to to reduce my cap, thus reducing my overall ratings, and ultimately causing my excellent credit to decline. This WILL affect my borrowing power for large purchases, mortgage rates etc i would like this double edge sword to be addressed by the Bureau. I would like my original credit to be restored, and bank practices carefully scrutinized as anti consumer!

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 2020-11-22
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
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:
Credit Acceptance Corp. listed an account on my credit that is not mine. I do not own this vehicle never owned this vehicle I have no affiliation with this vehicle. On numerous occasions between XX/XX/XXXX-to present day I have informed them of this mistake and repeatedly they ignored me and furnished no proof of me acquiring this debt.

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 2020-01-22
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO WHO HAS DONE SUCH A THING TO MY CREDIT. THIS SITUATIONS HAS BECOME VERY OVERWHELMING AND IS CAUSING ME A GREAT DEED OF STRESS. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I HAVE SO MUCH I WOULD LIKE TO ACCOMPLISH AND IT IS VERY HARD FOR ME. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. WHILE DOING SO PLEASED KEEP IN MIND THE THE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

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 2020-11-22
Company: Experian Information Solutions Inc.
State: LA
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 aXX/XX/XXXX account showing on my credit report that does not belong to me. I have disputed this multiple times and the credit reporting agencies says this account has been verified as an accurate charge off account. I DO NOT UNDERSTAND how this can be verfied as accurate. I contacted the original merchant from the phone number listed on my report but they have no information to help me either. How can the credit reporting company validate something that is not mine and prevent me from trying to resolve matters on my credit profile. This has been going on way to long and I want this account deleted from 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 2018-02-06
Company: William D. Meeker Enterprises, Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
Inquiries affect your credit score typically weighing it down to a negative impact ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX Get my money back please

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 2021-01-28
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
An old medical bill from XX/XX/XXXX in the amount of {$480.00} that was supposed to be paid by my childs Medicaid was not paid. Commonwealth Financial is a collection agency and has reported this to my credit as a new account that started/opened in XXXX. I have been disputing this multiple times since last year that these dates are inaccurate and they keep reporting back that it is accurate. I have contacted XXXX and XXXX to fight this but they say they can not change anything if the collection agency is saying it is accurate. When trying to apply for a home loan, they are telling me This is hurting my credit because it appears as a new opened collection account. The loan officer said if I could get it updated to show this is an old account, it will help me. I have documentation of this showing correct dates but nobody is helping me to correct this. The collection agency keeps reporting it as all information being accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: CORELOGIC INC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My wife and I have applied for several rental homes. We paid the property management a background fee. After applying for three homes we inquired why are we being turned down. I found out that they are putting everyone in the US that has my first and last name and with my date of birth on rental record. They did not verify social security, middle name or initial. I feel I have been discriminated due to my race and the fact that I have a common name. I do not have anything criminal on my background nor have every been arrested or have been on any XXXX XXXX  list.

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 2017-09-24
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:
Violation of HIPPA LAWS!!! This is a medical bill that should not be on 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 explanation
Consumer complaint received 2017-08-10
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have been authorized by my mother to file this complaint, because she does not know how to use a computer. My XXXX year old mother purchased a XXXX XXXX XXXX vehicle XXXX from a local dealer, the interest charged on the loan is 20.45 %, the car cost {$12000.00} the finance charge on the car is {$9100.00}. My mother was not aware of how much this car cost, she was paying on the car until I requested the contract to see why after 3 years her payoff for the vehicle is {$10000.00} and the car is only worth {$3400.00}. I spoke with the car dealership because there was a {$2400.00} charge for SGuard plan which she never received information on and this charged was include with the cost of the vehicle. I am finally this complaint against this company Santander Consumer USA why did this company charge such a high rate and if her credit was bad at XXXX years old, why did they advise her they could not do this loan. I check on line regarding this company, they have a high rate of repossessions in Florida. I truly believe they need to be investigated for Predatory Lending Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX, checked my credit report and noticed a fraudulent and inaccurate account on my credit report. I reached out to the credit reporting agencies to remedy the situation but they would not help me remove the fraudulent and innacurate accounts.

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 2018-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Square Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
After sending email showing illegal attempted activity on my checking account Square.com sent this note. I do not and wish not to have an account with Square.com. But without an account on file with square.com you can not file valid complaint. 

There was four transactions from four different square devices that were on my bank account without my authorization. ( see attached PDF ) XXXX XXXX XX/XX/2020, XXXX XXXX  ( 3 days ago ) to me Hi XXXX, I'm XXXX from Square Customer Success, thank you for reaching out! I get how important this is, first let me apologize for the delay in my reply, we have been receiving a higher amount of emails than normal, but I want you to know that I will do my best to help you in the best way! 

I'm sorry to hear about the transactions that were made on your account by someone using a Cash App account. 

Unfortunately I do not have access to that type of account but you can reach out to Cash App Support directly from the Cash App : From the app, tap on your profile image and scroll to the bottom of the page. 
Tap Cash Support and review answers to common questions. If youre not able to find your answer, tap Something Else. 
Select your reason > Contact Support. 
You can also contact Cash Support by visiting Cash.app/help. 

Let me know if there's anything else I can help you with. I'm happy to help Stay safe and healthy! 

Regards, XXXX XXXX Square Customer Success ref : XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
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: Account information incorrect

Complaint:
This company is in violation of the Service Members Civil Relief ACT this also covers accounts that were obtained prior to service and during service and while in a XXXX XXXX. At the time of purchase not only was I on XXXX XXXX but I was also in XXXX. My father purchase the vehicle on my name. The company has lied stating they did not find my information on the XXXX XXXX XXXX XXXX XXXX XXXX, however when I did a search for myself I found it.

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 2020-02-18
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:
I have been trying in vain for several months to go online and dispute a collection on the Transunion webpage. It will not allow me to access the Dispute page and I have called and spoken to reps who have been useless. They just tell me to restart or use another browser which is ineffective. It is not fair nor legal that they place erroneous information on my credit report but that I can not even access the report to see what the information is or to dispute it.

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 2019-09-25
Company: BC SERVICES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife and my new home mortgage was denied due to a false claim by XXXX XXXX Hospital ( XXXX ) at XXXX XXXX XXXX XXXX, XXXX, CO XXXX for {$4000.00}. I have never had any services performed at this hospital. XXXX XXXX neglected to properly identify the person that they provided services to, and then filed a claim using my Name and SSN number. XXXX XXXX never contacted me and turned the debt over to BC Services for collection. When I asked for information regarding the services performed and details of personal information, I was denied. They would collect all my personal information such birthday, SSN, Name, address, etc. and won't tell me what matched and what didn't match. So, I didn't have any details from them to dispute. These calls went on for weeks with XXXX XXXX XXXX, BC Service and us. Finally, BC Services told me I could file a fraud police report send them a copy along with picture of my driver 's license, and they would consider 'deleting ' their claim against me within 72 hours ( 3 days ). I filed the police report on XX/XX/2020, and submit the information early on XX/XX/2020. Its been over 6 days with no response. I will continue to reach out to them.

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