BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-02
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received multiple calls at my work regarding this hospital bill. I have spoke to two women now. One told me her name was XXXX and the other refused to disclose her name. On XX/XX/XXXX at XXXX XXXX, I received the call from XXXX. I told her that I didn't give this number out as a contact because it is my place of business. I specifically told her to remove my work number from their list because they have my cell phone number that they can call. It is going to get me in trouble with my Director if they keep calling. She said she would remove the number. The second call on XX/XX/XXXX at XXXX XXXX, I received another call from this same agency. I asked the lady for her name and she refused to give it to me. I had told her that the number she called was supposed to be removed last month and here she was calling it! She was mad and hung up the phone on me. I received another call on XX/XX/XXXX at XXXX XXXX, but no voicemail was left. Today, XX/XX/XXXX, I get into work and my Director said that there was a voicemail for me. Once again this company has called my work number and left a debt collection message on the voicemail! This is absolutely inappropriate to keep harassing me at my place of business when I have asked multiple times to have my work number deleted. I keep a log of the times that they call my work. I just can not find an address that is tied to this company so that I can send them a certified letter to stop calling me. I need to make sure a complaint is filed against this company.

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 2022-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX credit # XXXX has violated my rights. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

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 2018-12-08
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I purchased a couch from XXXX XXXX in XX/XX/2016. I earned rewards totaling around {$700.00} on a certificate with a 6-month expiration date. I researched the account and saw online that points do not expire for 36 months, so I called customer service to inquire about the policy. 

I was told explicitly over the phone that the certificate was only good for 6 months, but the actual rewards were good for 36 months. I would be able to get a new certificate at any point within the 36 month period. 

I called in XX/XX/XXXX to get a refreshed certificate, and was told those {$700.00} had expired after 6 months and that 'points ' and 'dollars ' are completely different -- the exact opposite of what the original agent had told me. 

The second agent I talked to took no accountability, and said the policy was clearly stated in their rewards information ( this same information that was confusing and led me to call in the first time ). He made no attempt to correct the situation. 

I know XXXX XXXX is small and can often fly under the radar, but I urge you to investigate these shady policies and practices that I believe are intentionally designed to deceive customers. 

Banks should be held fully accountable for deceptive practices even when they are part of partnerships.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have 5 closed accounts with XXXX balance and they are still on my credit report Capital One/ Kohls/ capital one/ XXXX XXXX/ and XXXX credit card that is reporting on all the threes credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : 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 2022-08-17
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: Was not notified of investigation status or results

Complaint:
Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract, and all documentary material purusant to 15 USC 57b-1 ( a ) ( 5 ) - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it and all documentary material purusant to 15 USC 57b-1 ( a ) ( 5 ) ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account

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 2022-01-24
Company: Lending Club Corp
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I am trying to obtain my funds from Lending Club. I have requested a transfer on multiple occassions with not success. Thier contact information does not work. Phone line just states no one is in the office. Email address they provide is used for them sending messages only. 

Something is very wrong with this operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: EQUIFAX, INC.
State: MI
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:
Equifax refuse to send me any document bearing my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: U.S. BANCORP
State: MN
Product: Credit 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:
My U.S. Bank credit card was charge {$130.00} on XX/XX/2023 and {$360.00} on XX/XX/2023. I approved both of these charges through XXXX XXXX XXXX purchasing online for a total of {$500.00}. 

Then on XX/XX/2023, my credit card was again charged {$360.00} as a fraudulent/duplicate charge. I called U.S. Bank right away and started a fraud claim since I didn't not approve a 3rd charge and did not make another purchase besides the original 2 purchases. U.S. Bank started the fraud claim and gave me a provisional refund of {$360.00}. 

XXXX XXXX  XXXX does not show any 3rd transaction or duplicate transaction of any kind from XX/XX/2023 in the amount of {$360.00}. XXXXXXXX XXXX XXXXXXXX only sees the first 2 transactions that I purchased and approved of {$130.00} on XX/XX/2023 and {$360.00} on XX/XX/2023. XXXX XXXX XXXXXXXX does not see any transactions on XX/XX/2023 for the additional {$360.00} in their system per the XXXXXXXX XXXX XXXXXXXX customer service team member on the phone. 

U.S. Bank provided me with the signatures from the product delivery for the XX/XX/2023 and XX/XX/2023 transactions, but did not provide me any documentation for the {$360.00} charge on XX/XX/2023. U.S. Bank also did not provide transaction information that was readable when I requested a copy of their findings be emailed to me. 

XXXXXXXX XXXX XXXXXXXX states that since they couldn't find the delivery confirmation for one set of flowers, XXXXXXXX XXXX XXXXXXXX credited me {$260.00} from the original charge of {$360.00} on XX/XX/2023. U.S. Bank took this as a partial credit towards the XX/XX/2023 charge, and then U.S. Bank charged me again the {$260.00} on XX/XX/2023, even though the XXXX XXXX XXXX credit XXXX XXXX XXXX was refunding on the original purchase and payment made on XX/XX/2023 and not the 3rd fraudulent/duplicate charge on XX/XX/2023 since XXXX XXXX  XXXX has no transaction on their side of the 3rd charge on XX/XX/2023. 

I have talked with numerous U.S Bank employees on the phone regarding this issue and asking that the fraudulent/duplicate charge be removed since I did not purchase anything for the 3rd charge and I did not approve that charge. I have also tried to explain to several U.S. Bank employees that the credit from XXXXXXXX XXXX  XXXX was intended by XXXXXXXX XXXX XXXXXXXX to be credited to the original purchase on XX/XX/2023 and not the fraudulent/duplicate charge on XX/XX/2023. The U.S. Bank Visa credit card team member manager XXXX screamed at me on the phone and stated I must write or fax the Office of the President to be able to speak to her boss regarding this situation.

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 2021-02-02
Company: Experian Information Solutions Inc.
State: NY
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:
hello and to whom this may concern. hi! my name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. SSN:XXXX and i have contacted Experian countless times and the creditor and cant seem to have them remove this unauthorized credit card off my report, its a cat and mouse game as they keep telling me to call one another back and i'm sick of it! being a XXXX survivor and losing half of my XXXX i feel like i have enough stress in my life other than some simple unauthorized credit card data removal which is part of Experian issue of not helping me! Experian customer service is being NO HELP in this situation and i even find myself being hung up on sometimes its becoming ridiculous! Now when i give them a call back all i do is get a busy signal and i can never get in touch with them! i am now writing to you guys for the formal complaint because i'm hearing you can help me! i will list the Account below which are part of the unauthorized account on my file shown on my credit report which is holding me back from my credit goals etc. i am hoping you can guys can help me out here! look forward from hearing from you guys thank you!! i've read the FCRA countless times and i know my rights, Experian is not helping at all and this is not fair, legally they can't do this to me and they are honestly NO HELP!! here is the unauthorized account as follows XXXX XXXX XXXX with account number XXXX opened on XX/XX/2014 I look forward to hearing from you or seeing a resolution of this being removed from my credit report asap thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Affirm Holdings, Inc
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2023, I checked my " Affirm Spending Power '' in my app that is tied to my cell phone number and my account that I have had for years. I was going to purchase a new XXXX from XXXX. 
When I went to check out, however, Affirm put me through a brand new process of " verifying my identity '' upon which they asked for copies of private documentation, and a selfie, that they claimed would allow them to verify my identify- nevermind that I've already spent THOUSANDS of dollars with them via the app and paid off several thousand dollars to them. 
The " id verification '' apparently uses a nonsensical AI to " verify '' the identity, and for some stupid reason, they claim that I didn't meet the ID vertification requirements. 

I am quite miffed over this for several reasons. 1. ) I have used Affirm numerous times before and have paid off several thousand dollars over the last few years with zero issues. 2. ) In the app, they claim, and are still claiming that I currently have {$3200.00} for purchasing power- but of course I can't use it. 3. ) I am very worried about them asking for identity verification, and submitting my information into some AI system, and then not being " verified '' as who I am. This is frightening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: CREDIT ACCEPTANCE CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Vehicle loan company, credit acceptance, shows a foreclosure ( voluntary repossession ) every month for roughly two years on my XXXX report ( as current as XX/XX/XXXX. ) The vehicle was supposedly sold at auction in XXXX. I paid the debt in full XX/XX/XXXX. 

Their reporting is inaccurate as the vehicle could not have been repossessed or re-attained by me as it was sold at auction in XXXX by credit acceptance. 

I have tried several times to dispute this with both the creditor and credit reporting agency.

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 2020-01-02
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theftXXXX Account Number : Account XXXX {$90.00} past due as of XX/XX/2019. 

XXXX Account Number : XXXX {$170.00} past due as of XX/XX/2019. 


Chapter XXXX bankruptcy dismissed Reference Number XXXX Chapter XXXX bankruptcy dismissed Reference Number 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 2023-10-13
Company: PNC Bank N.A.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to express my deep dissatisfaction and frustration with the recent handling of my account by PNC Bank. I have encountered significant inconvenience and financial hardship due to the prolonged investigation and subsequent hold placed on my account. 

I deposited a check into my account that I had received as payment for a XXXX job. Unfortunately, it was later discovered that the bank account connected to the check had been closed. While I understand the need for security measures, I am extremely disappointed by the excessive length of the investigation, which has now reached 30 days. 

To make matters worse, not only is my account under investigation, but a hold has also been placed on two other checks that I deposited. As a result, I am currently unable to access the funds from these checks, leaving me in a difficult financial situation. I am unable to pay my rent, and my landlord is putting immense pressure on me to resolve this matter promptly. 

Moreover, I was deeply displeased with the attitude and unprofessional behavior of the customer service representative I spoke with during my last call. She displayed a sassy and patronizing tone, and instead of providing assistance or guidance, she unjustly blamed me for the false check incident. This kind of treatment is unacceptable and does not align with the level of service I expect from a reputable institution like PNC Bank. 

I kindly request that immediate action be taken to resolve this issue. I understand the need for proper verification and security measures, but the length of the investigation and the subsequent hold on my account are excessive and causing significant hardship for me. I urge you to release the funds from the other checks that I have deposited, as they are unrelated to the initial incident involving the false check. 

Furthermore, I would appreciate a thorough review of the conduct of the customer service representative I spoke with. It is essential that all bank employees maintain a professional and respectful demeanor when interacting with customers, regardless of the circumstances. 

I trust that PNC Bank will take my concerns seriously and address them promptly.I hope that this unfortunate incident can be resolved swiftly and that appropriate measures will be taken to prevent similar situations from occurring in the future. 

I kindly request a written response within 15 business days, outlining the actions taken to address my concerns and rectify the situation. I can be reached at the contact information provided above if further clarification or information is required. 

Thank you for your attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: The Outsource Group, Inc
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medicredit , Inc. is reporting -- to the three popular credit reporting agencies -- a hospital bill that has already been paid-in-full by the Department of Veterans Affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I recently paid plan for credit protection & what I basically reported XXXX credit monitoring with XXXX XXXX its was fine on all accounts accurately XXXX, XXXX, XXXX now all of sudden 44 point drop outta of nowwhere without any explanation telling why did it exactly drop, Im starting to think these credit scores system is being hack for no reason.

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 2023-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief