BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I MADE A CHECK DEPOSIT FOR {$20000.00} ON XX/XX/2021 AND THEN AFTER TD BANK PUT MY ACCOUNT ON HOLD I WOULD LIKE FOR THEM TO TAKE THE HOLD OFF OF MY ACCOUNT BECAUSE I CAN NOT LOGIN TO MY ACCOUNT THE CHECK SHOULD BE CLEARED IN 7 DAYS AFTER IT CLEARS I WOULD LIKE FOR THEM TO GIVE ME MY FUNDS WITHOUT ANY PROBLEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: FirstPoint Collection Resources
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon looking at my credit report I see something that I am unaware is on my credit report. XXXX which states retail is an account purchased by First Point Collection Resources on XXXX XXXXXXXX XXXX I was unaware of anything concerning this account have no knowledge what this account is, it says retail. I do not know who this furnisher is. I have made several calls to this company asking them to send me anything that verified I owned this debt and while doing so to stop reporting it to the bureau and they still will not. I am a victim of identity theft and clearly do not know who this company is, or what I owe them {$320.00} for. 
Collection Agency : First Point Collection Resources Account number : XXXX Creditor : XXXX Date opened XXXX Date purchased XXXX Amount of debt : {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2020 i sent a letter regarding and unknown things on my credit report. to this day over 30 days i have not received a response yet. i feel like im being taken advantage of and being completely ignored of my disputes. sections 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused 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 2019-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Ihadsubmittedcase#XXXXandhavingthecompanyrestrictingmyaccountasofXX/XX/2019andclosinginitonXX/XX/2019meanIdonothaveaccesstomymoniesuntilIreceivedthecheckfromtheminthemailandwillcauseHugefinancialhardshipespeciallyistheendofthemonths.IneedthebanktoallowmeaccesstomyaccounttodaysoIcanwithdrawmymoniesthantheycanclosetheaccount,BearinmindtheiractionisstrictlybiasanddiscriminativeagainstaXXXXcitizen.PleasehavetheBankcontactmeandallowmetoaccessMyFundstodayXX/XX/2019

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 2018-07-10
Company: Experian Information Solutions Inc.
State: TX
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 pulled my credit report and XXXX XXXX XXXX are on it. I have never received any correspondence from their office asking me about this alleged debt. I have never done business with this law office. I did not have the opportunity to dispute this matter as required by law. I am trying to buy a house and this is damaging my credit rating.

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 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureaus are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

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 2020-03-31
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
For over a week, I have been trying to remove the bank account associated with and close my PayPal account. When I try to do so ( via 'close account ' link ), however, the page goes blank and am referred to customer service. I've reported the issue to the company, but so far they haven't addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly the coding on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report ) The coding on this item is incorrect and stuck in past due status. It is a violation of the Fair Credit Reporting Act and is mandated to be corrected or completely deleted from my credit report. This inaccurate reporting is seriously harming my credit score. I have contacted the ( 3 ) bureaus to resolve this however, I have not been successful.

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: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX and I am submitting this complaint myself AS THE CONSUMER NATURAL PERSON. 

I have attached Identity Theft Reports from the FTC TRANSUNION has committed aggravated identity theft pursuant 18 U.S. Code 1028A This is not a request. I am invoking my consumer rights under the Fair Credit Reporting Act.

TRANSUNION is in violation of 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681i ( 5 ) ( A ) ( i ), 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), 15 U.S. Code 1681o ( a ) ( 1 ), and 15 U.S. Code 1681n ( a ) ( 2 ) PROOF is attached TRANSUNION is now in default and agrees with the FACTS.

The following alleged accounts are to be BLOCKED and DELETED from BOTH my Consumer REPORT and CONSUMER FILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT. OF EDUCATION/XXXX - XXXX I have attached Identity Theft Reports from the FTC

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 2021-10-14
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
COMENITYCAP/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) 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 2018-02-08
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: Information belongs to someone else

Complaint:
Equifax and XXXX refuse to remove invalid accounts off my report have called, written and fax in request and proof that the accounts do not belong to me I ve filed police report and submit ID That affavaid and they still refuse after 4 years to remove accounts that do not belong to me the accounts needing to be removed are 2 XXXX  XXXX XXXX ( no monies owed, invalid amount and account status reporting and volition of new public law that went into effect XXXX of 2017 ) XXXX XXXX these 3 items need to be removed and blocked from future reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a Capital One payment due which I submitted an on time payment for, it posted on time on XX/XX/XXXX for {$30.00}. 

I am visually impaired and did not notice the minimum due was {$34.00} so I was charged a late fee on XX/XX/XXXX. 

I contacted capital one and they see Ive never been late and messed up once because I have a hard time seeing and they refused to refund me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-29
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 is missing that should be on the report

Complaint:
XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax .... And they also removed both XXXX Credit Card Account from my report, and have not added them back even after documentation was sent in verifying the account and that the institution was and still is reporting both accounts to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The reason for this complaint is, I submitted a payment for my auto loan from my bank and to Bank of America for my auto loan. I submitted a payment on XXXX in the amount of {$260.00} 5 days later I called to confirm a payment was submitted. I spoke to a representative they did not receive a payment. Bank of America rep opened up a ticket but for some reason the ticket was closed. When I checked my back I realized that I had the account number wrong by one digit I corrected the account number and submitted a second payment for the amount of {$260.00}. I have called 10 times spoke to 10 different representatives only to be transferred to 10 different supervisors with no resolution. I have sent 5 emails with the proof the funds was taken out of my account and 5 emails no response I called and spoke to a rep XXXX and she asked me to send it again I waited on the phone until she confirmed she received my email. She did and days later still nothing has been done. At this point I feel Bank of America has stolen my money because I was told that if the information on the account number did not match that they would return the payment or issue me a check by mail. I have yet to receive a response yet alone my account credited, payment returned or refunded. So I want to file a complaint in hopes to either get a refund or have the payment posted to my account. Its been 28 days and I have yet to have Bank of America respond by email or phone regarding this missing payment.

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 2018-07-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Four months ago I contacted Rushmore in regards to cancellation of my PMI insurance due to the increase of the value of my home by 30 %. The increase was due to rising home values and property improvement modifications. The request was denied due to loan to value ratio. I contacted Rushmore back and explained my loan amount is XXXX and my home value falls between 276-300k. I was instructed that if I wanted to proceed I would need to pay for an appraisal from a 3rd party appraiser of Rushmores choice. I agreed and never heard back. I contacted them back after not hearing back after sending my agreement form to move ahead with the appraisal. Months have gone by with no word so I contacted them again on XX/XX/18 requesting the same. I was instructed that the concern was closed and I was denied with no communication. I explained that this is unacceptable under federal Homeowners Protection Act. I was advised I would receive a call back within 24 hours after it was investigated. I have contacted Rushmore today via online chat requesting my call back and was advised that it can now take up to 48 hours for a response. This insurance should have automatically been removed in light of my perfect payment history over the last 12 years. It seems that my only recourse is to take Rushmore to  small claims court since no one in the customer service or PMI department can give me a clear answer as to why I am being charged an extra {$150.00} a month. 

My advice is to pursue small claims or talk to an attorney if you are ignored or wrongfully denied. Keep every letter and chat log, this will come in handy later on if it goes to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took only {$1200.00} short term loan and started paying regularly. Their sales person was a sweet talker and lied to me on loan terms and interest rate. He said that if I made regular payments for 3 months they would bring down the interest rate to single digit. I never missed a payment for 4 months and to my dismay I found that they increased the rate substantially and despite numerous requests they did not change the interest rate and payment terms. They even refused to change the payment date from XXXX of every month to the XXXX week of the month as my rent is due on XXXX of every month and I just can not pay other bills on that day. 
I paid over 50 % of the loan amount but got into this debt trap by their false and misleading sales tactics. 

I am a XXXX XXXX XXXX diabetic patience and self employed. They harassed me many many times and also sued me to the local court. 

For me buying XXXX for my XXXX is important in order to live. With this outrageous monthly payments I will not have any money left for my medication. They know about my condition and refused to lower interest rates and payment terms. 

Their debt trap will lead me to slow death as my medication is extremely important to me. Their harassment tactics put XXXX XXXX in my life and and as a result my blood sugar level has increased significantly. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Southwest Credit Systems, L.P.
State: PA
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:
Southwest Credit Systems continue to furnish information on credit file. Made several attempts to solve with company. A complaint submitted over 30 days ago, company failed to comply according to FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020, I requested a credit line increase on my XXXX credit card from Barclays Bank through an online form. I later received notification that there had been a hard inquiry on my XXXX  Credit Report. Completing similar online forms with other issuers does not typically result in a hard inquiry on my credit report- when it will result in one, it is typically made abundantly clear by the institution ( usually through a pop-up or similar alert, or at least through highly visible text ). Attempts to resolve this with Barclays have made it clear that they will not work with me on this.

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 2021-01-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX  XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) 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 company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2018 received a letter from XXXX XXXX stating I had a debt. I spoke with a agency before saying i have no knowledge of this debt nor is this my legal name. 6 months or so I received another letter from Convergent.I then responded with an affidavit of denial stating this was not my debt nor have i ever had a contractual agreement with them nor XXXX XXXX. Amount 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 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) 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 unacceptable!

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