BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I recently bought a home. I went on line to the XXXX reporting agencies for my free credit reports. I found the sites difficult to navigate and before I was through, I had become a member of both XXXX and TransUnion. I was afraid to tamper with the process, so I kept the memberships in effect until now. I was able to terminate my membership with XXXX without difficulty, but have found the TransUnion website to be very opaque about the process. It looks like I have to call a phone number during working hours to be able to terminate my membership. That is not right. I should not have been directed toward membership in the first place, and it should not be difficult to terminate a membership.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was never given information stating that i could dispute 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 2018-12-04
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Over the last 3 months I have attempted to secure a personal loan primarily applying online. I have been denied due to excess delinquencies. I believed the responses were an over exaggeration of my credit, as I only have one outstanding debt. On Monday, XX/XX/2018, I once again attempted to secure a personal loan with XXXX   XXXX XXXX XXXX, via telephone and during the the application process I was asked to explain why a number of my accounts were in collections. I currently have one outstanding collection account that I have been attempting to settle. No other active account is currently nor have they been in the past in collections. Technically, I have one account that can be considered delinquent. I checked on my Experian account, that is who XXXX XXXX used, so as to dispute any accounts showing errors and there is only one account showing up in collections. The error can not be with the creditor 's. If the creditors were reporting misinformation the credit bureau would be showing that information and it is not. Therefore, the information being transmitted to potential creditors is where the problem lies.

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 2019-08-13
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I deposited a {$300.00} check from my XXXX XXXX   checking account into my US Bank checking account which cause US Bank to close my checking account. The check from XXXX that I deposited I thought it was a check from my open checking account with Regions but come to find out it was a check from my closed account, it was simply an error on my part and I had no intentions to defraud US Bank of whom I have held a checking account with for years. On XX/XX/XXXX I had well over {$300.00} in my US Bank checking account. Ever since I filed bankruptcy on XX/XX/XXXX I have had nothing but problems from US Bank. They closed my checking account back in XXXX that I held for years due to bankruptcy and made me open a new checking account. In which I opted out of overdraft protection but US Bank has charged me numerous overdraft fees when clearly I had a positive balance.XXXX XXXX I went into the US Bank branch and they informed me that my checking account would be closed due t the return {$300.00} check and no other transactions could me made on the account. I informed them I was excepting a deposit from the school and US Bank said they would send it back. On XX/XX/XXXX US Bank accepted my deposit of {$1200.00} from the school. The total amount that is in my checking account is {$2000.00} and US Bank refuses to give me my money. I have spoken with the branch manager, XXXX several times and he told me that I can't get my funds until XX/XX/XXXX. I have no pending tranactions and I don't owe US BANK any money. I need them to release my {$200.00} immediately. I have been a customer of theirs for years and a {$300.00} return check does not warrant what this bank is doing to me. I have been a customer for years! Also on XX/XX/XXXX they charged me a {$36.00} overdraft fee when clearly I had a positive balance. I have bills and need my money released to me today!

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 2023-11-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 filing this complaint to EXPERIAN for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX AND XXXX for your reference and as proof.

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 2022-04-02
Company: JPMORGAN CHASE & CO.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have a previous line of credit for a federal credit loan and was sent to the wrong address to process the payment and was pick up as collateral from an uninsured work and arbitrated the account from reconsidering the expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: DISCOVER BANK
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear Discover Bank, Savings Account Ending in XXXX : I am reaching out because I am at a loss of {$20000.00}. In XXXX XXXX XXXX I had Discover bank initiate a wire recall in the amount of {$22000.00}. It is to my understanding that XXXX bank handles the wire processing and wire recalls. On XX/XX/2023, XXXX XXXX contacted me and stated that the recall was successful and on their end, {$20000.00} was debited from their account with the description " XXXX XXXX XXXX XXXX ''. 

XXXXXXXX XXXX told me that I need to reach out to XXXXXXXX XXXX and Discover bank directly to retrieve my funds. Since XX/XX/2023, Discover and XXXXXXXX XXXX have both not reached out to me to release my funds. If XXXXXXXX XXXX  would've never told me that my funds were returned to Discover, I would never know that this money is being held from me, unlawfully. 

On XX/XX/2023, I reached out to XXXXXXXX XXXX and expressed to them that XXXX bank stated that XXXX XXXX  recalled {$20000.00} and XXXXXXXX XXXX emailed me back stating that they will not speak to me as I am not a client and that I need to have Discover send XXXXXXXX XXXX an authenticated message so they can release my funds. I then called Discover bank and told them this information. After being transferred multiple times over the course of XXXX days without getting any answer, Discover bank refuses to send XXXXXXXX XXXX an authenticated message regarding this wire recall so that XXXXXXXX XXXX can return the funds to Discover bank, which at that point, Discover bank would then return the funds to me. 

Please be advised that it is XX/XX/2023 and I still do not have this money. The money was supposed to be sent back to Discover bank from XXXXXXXX XXXX or a check was supposed to be sent to me and neither has happened. 

I am taking this matter extremely serious, I have partnered up with an attorney, and I am very close to bringing this matter to XXXX XXXX and filing a lawsuit. I need someone in upper management at Discover bank to reach back out to me extremely soon before I start court proceedings. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-19
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid to original creditor before debt should've been sent to the collector.They added the account to my credit report on XX/XX/2018 and I want it removed from all reporting agencies. Confirm with the original creditor XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Briefly, on XXXX XXXX XXXX, my spouse and I went to XXXX XXXX in XXXX Nevada to purchased a new vehicle. We heard from previous customers that XXXX XXXX has a Lifetime warranty on certain vehicles. We found a XXXX XXXX XXXX so we purchased it. The finance person asked if we wanted an extended warranty which confused us. Instead of arguing, we just said yes to the extended warranty. We put no money down and signed our contract! The next day, XXXX XXXX called us stating that we were not approved for the vehicle loan. XXXX XXXX also stated to return the vehicle or we need to put {$4000.00} down on the vehicle. On XXXX XXXX XXXX, we went back to XXXX XXXX and put {$4000.00} toward the vehicle and signed a new contract. Then, on XXXX XXXX XXXX, we received a letter and a warranty book from XXXX XXXX. The warranty book reflects the following ; multiple complimentary servicing, a complimentary tire for life coupon along with a Lifetime of Ownership Warranty. After that, we were very confused and felt that XXXX XXXX charged us an extra {$1900.00} for an extended warranty when they did in fact have a lifetime warranty! We then contact XXXX XXXX office and notified them. We contacted XXXX XXXX and XXXX said that XXXX XXXX does not offer Lifetime warranty. I notified XXXX that XXXX XXXX, there other company does in fact offer a lifetime warranty. I also stated that per Nevada law, if something is in writing, the business must honor what 's in writing! As of today, we have had issues with our vehicle and XXXX XXXX does not want to honor the Lifetime of Ownership warranty that they gave to all there customers. We feel that this is misleading and possibly criminal! The XXXX XXXX must be held accountable for their dealership actions which must be addressed! Please review our attached complaint along with the documentation provided which goes more in detail regarding this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Experian Information Solutions Inc.
State: MI
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 noticed unauthorized inquiries on my report. I believe that someone has stolen my identity and applied for something in my name. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 a complaint made by me XXXX XXXX along with this is a nortorized affidavit in the uploaded documents showing that it is me that made the complaint not a third party company. I am a victim of identity theft. I sent to the credit reporting agencies the ftc reports and the letter and the affidavit to have them remove the accounts that are identity theft.

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 2022-12-09
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I just pulled my annual credit report and found a XXXX debt from a XXXX XXXX XXXX XXXX under my name and old address. 

XX/XX/2020 {$5200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received thousands of calls from this company 7 days a week. I have asked them to take me off of their list as I do not owe any debt. They just called me at XXXXXXXX XXXX. They call me after XXXX at night all the time, Sundays, holidays. They have called my family and coworkers to tell them I owe debt. They scream at me or hang up when I tell them to stop calling. They have been harassing me for years and I am fed up. They call me from different numbers all the time. I use my phone for business and they constantly disrupt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XXXX/XXXX/XXXX I reserved a car through XXXX for $ XXXX for XXXX/XXXX/XXXX through XXXX/XXXX/XXXX for total amount {$870.00} with my debit card. It was clearly stated that if a vehicle was reserved without a credit card, a {$500.00} deposit would be charged and a full refund upon return of the car upon inspection. I only agreed to this term as I do not have any credit cards, with full expectation that my {$500.00} would be credited back to my checking account. I even inquired at the National rental location prior to receiving the vehicle, and I was assured of this and that the process would be 24-72 hours depending on my bank. I once again inquired of the policy upon return of the vehicle, and was again informed that was standard policy. The monies were never refunded into my account and called XXXX XXXX/XXXX/XXXX and the representative stated that it may take up to 5 to 10 days and was instructed to follow back then. I made another attempt to speak with XXXX and the representative stated that there was no policy that she was aware of and that the full amount of {$1400.00} at $ XXXX is what was agreed upon. I informed the representative that I could supply proof of a screen shot in the amount that I reserved the car for. The representative then agreed to do a three-way call with XXXX to further investigate my claims. I have case numbers for all the complaints to research this matter, with no resolution. This is fraudulent, and to add insult to injury, XXXX had a pending additional unauthorized charge of {$69.00} that I disputed and they could not account for. I had to contact my bank and the amount was refunded through my bank after being inconvienced and had to be reissued another debit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 recently was alerted to stated debt by XXXX XXXX XXXX by XXXX and XXXX posted to my reports dated XX/XX/2020 when my identity theft case is complete and readily accessible : XXXX. 

Public and widely known and accessible fact that isnt being upheld by the debt collection firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: TRANSWORLD SYSTEMS INC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NCC Business Srvcs is attempting to collect a debt that I have no knowledge about the original creditor nor the collection agency will/have validated this debt with me which is a violation of FCDPA section 809. Secondly the statute of limitations in Arkansas which I reside has expired for the original creditor or collection agency to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: LFG Data Services Holdings, LP
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
They did not remove bankruptcy from my public records. It has not been verified by the courts.As per the court clerk

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a BJ 's Perks World XXXX through Commenity Bank. In XX/XX/2022, Commenity Bank performed what they referred to as a system upgrade. The card offers reward dollars for purchases and then it is supposed to appear on my BJ 's club account to be used in store. While the upgrade occurred, rewards are not appearing on my BJ 's in store club account. There is a message on Commenity bank rewards page that says the following : Were working hard to fix the rewards issues caused by our recent system update. Please know that this issue regarding your rewards program is temporary. We are committed to resolving this matter quickly and providing you with updated rewards information as soon as possible. Go to BJs.com/account/rewards to get your most accurate and up to date balance. I have been calling Commenity Bank as well at BJ 's member services since XX/XX/2022. I have recently been calling every four days since the beginning of XX/XX/2022. I have owed over {$230.00} in rewards and keep being assured it will be credited to my account in three business days. This has been going on for more than six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2019 I applied to a Easy Checking account at US Bank online.My application was decline without any reasons and I supposed to receivea letter from US Bank within 10 business days with explanation  for declining my application.While I was waiting, I received an email(attached) regarding my applicationbut still no letter.Tried to contact US Bank by  phone, but couldn't get much information ether.I felt discriminated by US BANK, as I don't see any valid reasons for declining..To date, I haven't received any communications from US Bank except for the email and a text message.

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