BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: Commonwealth Financial Systems, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company is trying to collect on a medical bill that is from XX/XX/2012, I had insurance at the time, but the hospital did n't charge them, and are now trying to collect the money from me even though I was covered at the time. Also the date of billing is wrong as I did n't even live in the state during that time, it was an event that happened a few months before the stated date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I went on the website call XXXX to buy a XXXX XXXX. I noticed the website looked strange and I forgot to back out of the site. I had put my info in and I guess it went thru. I sent the company a email I never had back. I called my back I thought my card was lost since I never had purchased anything. I call the CC company about the card. They said I made the purchase I wanted the information they got from the company that had no info Telephone number or a tracking number they had none of the information. The company was fake site and my money was gone and the CC didnt do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had my car towed back to XXXX XXXX, after it completely Died on me, After SO many complications with this vehicle, then i called the finance company to tell them where it was at, so they could repo it, beings i Couldn't put Thousands into the car, Plus the rest of what i owed, which was XXXX , Plud Another car payment, This was Back on XXXX, Revently, within the Last 2 weeks, the Finance company, Continues to call me, All day Long,,, i just Emailed them as Agrivated as i Am, to STOP, im hoping they do Stop, but its Westlake financial services.

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: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I checked my account on XX/XX/XXXX to check if bills paid went out. No fees. Incurred a overdraft fee on XX/XX/XXXX, identified on XX/XX/XXXX. Deposited funds to cover the overdraft on XX/XX/XXXX plus additional funds to cover another automatic payment. Per the Deposit Agreement with KeyBank they change the posting order of automatic payments and created an additional overdraft charge even though I went to bank and deposited cash. How is that fair, to charge two overdraft fees when there should only be one? I never picked KeyBank to be my bank I am just the unlucky person who started with a bank that was sold twice but this is completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions Inc.
State: MS
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:
THESE ACCOUNT HAS YET TO BE REMOVE 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 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I discovered two fraudulent charges on my Bank of America credit card dated XX/XX/XXXX and totaling XXXX. I only discovered them due to a routine check of my finances. I received no fraud alert for these charges. 
I reported the charges immediately to the bank by phone and stated that I did not make these charges and have never received the new card the bank issued for me. 
On XX/XX/XXXX my fraud claim was declined with a wording " the chip was read, my PIN was entered, and/or you signed for the merchandise or service ''. They also stated they verified signed receipt or contract with the merchant. 
I called on XX/XX/XXXX to ask the bank about the transaction details, such as the merchant information ( location, phone number ), the amount of goods or services purchased, a receipt with my signature etc, but the bank was unable to provide any of it. I believe no investigation actually took place. Instead, they simply made me responsible for an enormous charge that I didn't make. During the call, the associate reopened the claim and told me she will inform me about the results in 3-4 weeks. 
On XX/XX/XXXX I sent Bank of America a follow-up letter asking to reverse the charges and provide an explanation to the denial of my fraud claim. 
On XX/XX/XXXX I made a follow up call to the Bank of America. I was informed that they did not have the information I requested available. And said " as you were informed during your previous call it will take up to 90 business days ''. I was not informed about 90 business days during my previous call. They have also mentioned something about their shareholders, which I find impertinent to my case or providing me with the grounds for denial of my fraud claim. 
To provide context, I'm a XXXX XXXX and a single mother, and with their non-existent fraud prevention system, Bank of America just ruined every slim hope I had for ever becoming financially secure.

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 2018-02-06
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: Old information reappears or never goes away

Complaint:
I should only have 3 credit inquiries and 2 of the credit scores shows more. Which i didnt not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
It has come to my attention that i have been 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, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-27
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This debt was reported directly to XXXX in XXXX and I have no record of notification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
InXX/XX/XXXX I spoke to someone with XXXX XXXX  about the end of the lease payment inXX/XX/XXXX and XX/XX/XXXX that the total should not be XXXX 
It should've been the total XXXX I was told they would check into it and get back to me but they did not do so.

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 2020-05-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have applied for a personal loan with USAA on XX/XX/2019. On XX/XX/2019, I attempted to pay off said loan. I called to pay it off but was instructed to submit the payment online. I did so and the account reflected XXXX balance in 2 days. I also received a letter that the loan was paid off ( attached ). I did notice however that the funds were not withdrawn from my checking account. I called to inquire from the bank regarding the reason funds were not withdrawn and they confirmed that according to their records the loan was paid off. I continually checked for 3 weeks, and the loan balance continued to reflect XXXX balance ( I last checked on XX/XX/XXXX, and the balance still reflected XXXX ). I then traveled internationally for a few weeks ( but checked by voicemail and e-mails regularly ). Upon my return and on XX/XX/XXXX, I received a call from a collection department stating my loan was delinquent. I was surprised and stated that I received no communication ( letters, emails, or calls ) from the bank stating such problem. They declined to admit any wrongdoing. I paid the loan off immediately. However, when I checked my credit report, I noticed USAA had reported me to the credit bureaus which negatively impacted my credit history/score. I called them and stated the amount of effort I took to insure this loan was paid and the lack of effort of their behalf to communicate with me. I asked them to reverse the credit reporting, to which replied, " sorry there is nothing we can do ''. I have contacted their customer service department and e-mailed their board of directors, without any responses. 

I am a XXXX XXXX XXXX, a practicing physician, a responsible citizen, and a XXXX loyal customer of that institution ( with no history of any delinquent payments ). I have an immaculate credit history. This is the only negative mark on my credit report, and this can cost me dearly over many years. 

I wish to reach a resolution with USAA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: Convergent Resources, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I signed up for a credit card with XXXX XXXX XXXX XXXX XXXX. I never received the card, so it was never activated and never used. After a couple of months, they sent me a bill for the credit card fee. I called and let them know that I never received the card, and at that point, I no longer wanted to the card, and that I had not activated it since I never received it. They are still trying to charge me the fee for the card, and now they have sent it to collections with XXXX XXXX XXXX XXXX with additional fees. I do not feel that I should have to pay for a credit card that I never received.

The Convergent account # is XXXX, and the client account number ( I guess XXXX XXXX account number ) is XXXX. The phone number for Convegent on the bill is XXXX.

I appreciate any assistance you can provide. Thanks.

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 2020-11-03
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:
I XXXX XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block this item from my credit report. I never initiated this account nor do I have a contract with your company XXXX XXXX, XXXX XXXX. This item is fraudulent and needs to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have 4 business days to complete this request.

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 2021-11-03
Company: Certegy Holdings, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX. 

XX/XX/2021 XXXX XXXX XXXX XXXX, GA XXXX Dear Customer Relations : XXXX XXXX XXXXXXXX I XXXX XXXX, am addressing this correspondence to your Department regarding and incident and service that occurred at your XXXX XXXX XXXX XXXX # ( XXXX ) in XXXX, GA XXXX on XX/XX/2021. Upon initially entering your facility, I proceeded to your appliance area, whereby looking for a sales associate to inquire about the XXXX Refrigerators. Not alone, others and myself waited for a brief time after another associate ( a custodian ) had a page implemented for help to assist us. 
Approximately and additional twenty minutes went pass when the Manager arrived and apologized for the wait. She then appointed a young man to assist myself and the gentleman waiting on your cash and carry product appliances for his rental properties. My dilemma begins after inquiring about the XXXX XXXX XXXX he informed me that delivery would take place between XX/XX/XXXX or XXXX of the month. He then entered the computer and placed the order in the appliance department and there after we proceeded to the customer service area where I then wrote to your establishment a check # XXXX for the amount of {$2400.00}. at approximately XXXX XXXX 
Upon arrival at home, I began to look at the receipt of sale and noticed the model number did not coincide with what I had been viewing on the website of other stores within the area XXXX, XXXX XXXX etc. Upon going to the XXXX site, I then come to the conclusion that the wrong product had be ordered for my household. Upon returning to the store to correct the discrepancy on XX/XX/2021 I encountered XXXX XXXX and associate in the appliances area and she began to attempt to locate the order from the receipt and informed me that I would need to go back to your customer service department and get a refund. Upon presenting my request to the attendant in that department, she informed me that the check # XXXX had already been submitted and that I would have to receive a refund in appoximedtly five seven business days after the cancellation of the order. 
Instead to avoid another trip, I then contacted my XXXX XXXX XXXX XXXX and initiated the stop payment on XX/XX/XXXX on that morning after speaking with customer service. That brings this matter to your collection Department Source which I have no relationship with prior to this ordeal. 

XXXX XXXX XXXX XXXX... PLEASE I look forward to speaking to someone from your department. My contact information is email and telephonically 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 2017-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 errors and inaccurate information on my TransUnion Consumer Credit Report. I have disputed these accounts as being inaccurate, and TransUnion had responded by stating they were able to verify these accounts. I requested information about these accounts specifically I requested physical proof to verify account information. Never received requested information.

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 2021-01-27
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I currently have a debt that was re-transferred to a collections agency in XXXX of XXXX for XXXX. This account had previously been opened in XXXX and closed a year later after disagreements on the bill and account. The company had transferred the account to collections with a company then early last year removed it from collections, bringing it back to XXXX where they contacted me an offered a lower amount they would accept, {$200.00}, in a voicemail on or around XX/XX/XXXX. They then never called back to communicate this offer or discuss options. Then come XXXX of XXXX the account was changed off to Credence collections and I have no contact information for them and have never been contacted from them to dispute or even pay the bill.

I have now had this account hit my credit twice! Recently significantly lowering my credit score while I am in the process of improving it. I am disgusted that this company has never even contacted me but instead did such damage to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed the charges and this company says the debt is mine. I never had a credit card with the original creditor and have already contacted them as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: SLM CORPORATION
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Sallie Mae Bank personnel can not give a consistent answer about whether or not funds wired via XXXX to SallieMae Bank from a domestic U.S. bank will be subject to a funds availability hold or not. 

Two telephone reps that I have spoken with on XX/XX/2019 and XX/XX/2019 have said that inbound wired funds are not subject to funds availability holds. 

However, I asked the same question via secure message to Sallie Mae, and their response was that a funds availability hold would apply. 

At best, this is a serious discrepancy in information that Sallie Mae Bank is providing to customers. At worst, this is a deceptive business practice of telling customers that funds wired into new accounts are not subject to holds when, in fact, those funds are subject to holds.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$72.00}, {$130.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$72.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: ALLY FINANCIAL INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attempted to deposit a check through Ally Bank 's app and the bank contacted me and said that it would not accept my deposit ( it was an approximately {$2.00} deposit of dividends from an old XXXX  ) because the registrations did not match. I have never had such an issue, and attempted to call for assistance. The wait time was unbearable, so I emailed Ally. The response was that I had to call to speak with a person in their deposits department. So, I called, again, and waited on hold, again. I was asked to verify the last 4 digits of my SSN, my DOB and 2 answers to random secret questions, including my favorite team. I guessed what I might have set up, and evidently guessed incorrectly. I was placed on hold again, and escalated to a supervisor, who, maddeningly, repeated the entire series of questions. My answers did not change. She said that someone would have to call me to verify me. That doesn't seem like a super secure way of doing business- calling me from a random number, on my unsecure cell phone, at some indeterminate time. All I am trying to do is deposit a small check. But she said that she could not help me, that I could speak with no one else, and then she froze my accounts so that I can not view them. 

I need ( 1 ) my accounts unfrozen and ( 2 ) to be able to deposit this check and ( 3 ) an apology for my massive inconvenience.

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