BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.

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 2023-01-11
Company: Scott Fetzer Financial 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: Problem with personal statement of dispute

Complaint:
Hi My name is XXXX XXXX I am here to make a complain on XXXX XXXX XXXX XXXX this is a company that helps you with IRS matters but never did anything for me at the time i was going through so much i was getting audit at the time and me sicking help found this company but never helped me.This company was a scam and me being in need they took a banish, I was the one that not knowing how to go about this situation called the IRS myself made a payment arrangement and settled it with them. I did question them if anybody had stepped in. in my behalf and they said no. At that point me not knowing continue on paying my dues with them because I did not want this to affect me on my credit. Called the XXXX XXXX number XXXX they gave me and made a complaint but nothing was ever fix and now it continues to affect my credit still after time. I need any help I could get to fix this matter. I would greatly appreciate. Thank you, Sincerely XXXX XXXX. ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Calvary Portfolio, LLC does not have a surety bond and according to the Texas Code 392.101, third party debt collectors are not allowed to collect on Texas residents unless they have obtained a surety bond. This account should be removed from all XXXX credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed an account and requested verification of the following account that Transunion has re-listed on my credit file : US Bankruptcy Court XXXX GA # XXXX ;. Transunion listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification. 

On my dispute submitted XX/XX/XXXX, and XX/XX/XXXX, Transunion has yet to verify this account. However, interesting enough, they have stated they verified the account. 
Since Transunion states they use XXXX XXXX as the source they obtained the information, I called XXXX and the agent I spoke with advised me that my security freeze was confirmed and set into place. She also told me that there is NO inquiry from Transuion or mode of verification from XXXX XXXX to Transunion showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Transunion shows as reported. 

I demand that this public record US Bankruptcy Court XXXX GA # XXXX is removed due to lack of verification and inaccurate reporting of verification! XXXX XXXX agents assured me that Transunion 's so-called " verification '' WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMER FILE HAD A SECURITY FREEZE ON IT. 

I demand that this unverified account : US Bankruptcy Court XXXX GA # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I would like to note that XXXX has deleted this unverified account from my report because they stated they falsely verified this account. Although these are XXXX companies are different I suspect the same results when a creditor has reported false 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 2019-12-05
Company: CITIBANK, N.A.
State: CA
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:
I bought tickets for a flight to XXXX on XX/XX/2019, to XXXX for departure date of XX/XX/2019. When I received the ticket and invoice to my email address, the name on the ticket did not match the name I had entered. I called the booking agency to figure out why my name was not on the ticket and how I could get a ticket for my name. They stated that any changes to the ticket require a {$120.00} fee. I refused to pay the fee as it was not my problem that they had made a mistake on their end. They would not refund me or change my ticket without an additional fee. I then filed a chargeback with my credit card company, Citibank, under " services/goods not received ''. I sent over all the required documentation to my credit card agency and received a letter stating that they had closed the case and I would have to pay the charge since they did not receive the documentation asked for.

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 2016-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I filed a complaint with TransUnion because a tax lien that is over 7 years old is still on my credit report. XXXX has removed it, but TU and XXXX have not. They replied with a very unclear confirmation that there was a tax lien. That was not my dispute and they never addressed the underlying dispute reason. The system appears to be very automated and makes no sense. The only option at this point was to fill out a XXXX page form and mail it somewhere. No telephone number was provided either at the initial dispute or to challenge and contact them. Uploaded screenshot shows how poorly the reply addresses my complaint that it 's been 7 years since the lien was filed and paying it and having it released should not re-age the lien. All they offer me is basically the chance to go through their automated nonsense again. https : //onlinedispute.transunion.com/oda/dispute/forms/InvestigationRequest_Chester.pdf

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 2016-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Not absolutely sure this is me nor have I ever check my credit but I would like it not to be affecting my credit and get this resolved

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 2020-04-11
Company: Ad Astra Recovery Services Inc
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
AD ASTRA RECOVERY SERVice buys medical bills from health providers for pennies on the dollar hoping to cash in by harassing you, your family and friends. Completely terrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Wells Fargo acted as servicer for student loans. Was advised that loans were enrolled in program to receive public service loan forgiveness as a XXXX. Completed monthly payments for years. Loan were transferred to other servicers, and Wells Fargo now has no record. Have met my obligation now, as over 10 years of on-time payments have been made. 

This is very typical and part of a nationwide problem. A similar situation has affected hundreds of thousands and this is the result of over 99 % of those who qualify. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing in regards to an collection account that is being reported on my XXXX  and XXXX   reports every Month with a Balance of {$390.00} this account is not mine. the Company is National Credit Systems.I never signed any Documents with this company. they removed the item off my XXXX  report last year. but it is still reporting negative with XXXX  and XXXX. I know the FCRA states collections, charge offs and late payments should not be reporting if they are closed. especially if they are close ended accounts. I have sent dispute letters. and they always say verified or accurate. they always fail to show me proof. I would like original contracts showing my signatures.I would like these negative items removed immediately. I feel like they are breaking alot of rules. please help me resolve this matter. 

thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: Orions Management Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
My wife was contacted and notified that a XXXX was going to be filed against me in regards to an account that was not paid. She asked about the statue of limitations and was informed that the statue of limitations for this would not expire until XXXX XXXX because the last payment was made in XXXX of XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: First Data Corporation
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
TeleCheck declined my check not based on money in my account but on their incompetent credit assessment. I have only tried to use a check with a merchant twice. The first time was with XXXX, the second time was today with XXXX, both times declined, both times more than adequate funds in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Specialized Loan Servicing ( SLS ) account is current. The past due XXXX XXXX XXXX balance transfer of XXXX as of XX/XX/XXXX is not valid. The last collection call received on Thursday, XX/XX/XXXX by collection rep. XXXX stated our account is now 30 days due. I am submitting a copy of fax response sent to Specialized Loan Servicing on XX/XX/XXXX stating that XXXX   XXXX XXXX admitted to their error of misapplied payments and stated that all payments were made on time. Therefore, no payments were missed. Proof of all payments made to XXXX and SLS are attached to show proof of timely payment. Therefore our account is current before and after loan transfer on XX/XX/XXXX. Please correct past due balance to XXXX, remove all late monthly payment history from all credit bureaus and remove all late fees charged. 

I am submitting a copy of my fax response sent to SLS on XX/XX/XXXX as a complaint with Consumer Financial Protection Bureau ( CFPB ) because each time I speak to a collection representative, there is no update to my account of XXXX XXXX XXXX payment corrections or responses made myself or XXXX XXXX XXXX. The Collections Department keep stating that they have not received any updates from their other internal departments. They have no proof of all payments made for the period prior to XXXX loan transfer on XX/XX/XXXX. Each time my CFPB complaint is submitted to Specialized Loan Servicing ( SLS ), SLS closes my case and uses the same response letter written by SLS Customer Care Representative ID # XXXX, by the name of XXXX XXXX, I have attached fax confirmations, XXXX   XXXX XXXX statements XXXX to XXXX, proof of all my previous monthly XXXX payments for period XXXX made to XXXX XXXX XXXX ( XXXX   ) which were also posted on the XXXX   XXXX XXXX home equity line statements. SLS keeps stating that that they need proof of payments before they can update my records. I have supplied an online XXXX payment report of all my XX/XX/XXXX-XX/XX/XXXX XXXX   payments to show proof, which has the same payment confirmation numbers posted on the monthly XXXX   statements. From the statement it is clear that payments from XX/XX/XXXX to XX/XX/XXXX were all misapplied. Each monthly payment, per loan terms must be applied as part principal and part interest. Please make the necessary corrections. 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 2019-12-05
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX is reporting multiple collections with the account numbers # XXXX, # XXXX, # XXXX, # XXXX to my credit that are past the Statute of Limitations in Utah. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$8100.00}, Creditor : XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$7500.00}, Creditor : XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Date : XX/XX/XXXX, Amount of {$1000.00}, Creditor : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank of America allows you to set up an autopay function using their e-bill service. When you select what amount you want to pay, you have 4 options : Minimum Due, Amount Due, Account Balance, and Other Amount. 

Generally with other banks, you are given the option to pay Minimum, Statement, or Current Balance.

I believe Band of America intentionally uses vague options to confuse customers and collect finance charges. 

Amount Due is not equivalent to Statement Balance even though Bank of America indicates amount due autopays based on the amount outstanding from the bill. 

Account Balance is what you need to use to avoid finance charges. 

It feels like BoA intentionally made this process vague.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Since XX/XX/XXXX of XX/XX/XXXX I was attempting to make payments to Synchrony bank for my HOME  DESIGN FURNITURE account. I lost the card and reported it as such. They could not give me my account information over the phone and said I needed to do it online. However, I was unable to login online without the card number ( which was lost ). I called multiple times in this period trying to make payments. I then received a call in XX/XX/XXXX of XX/XX/XXXX from the company that I owed over {$1000.00} because the amount was not paid off in full before the promotional period. First, I was not made aware there was a promotional period. Second, I tried SEVERAL times making payments prior to their phone call but was never able to due to the account information being unavailable to me. They only contacted me AFTER they changed the interest. They never called me prior to the change in interest to collect a payment even when I was calling them so many times trying to make payments. I only owed about {$400.00} before their phone call to me. I advised that I would pay the balance prior to the 29.99 % interest rate being applied and they refused to accept. It was only 2 weeks after the interest was applied when I offered to pay in full if they removed that interest I was never told would happen until AFTER it was applied to my account. They refused and suggested I file a formal complaint with their company. I did that several times. Each time I have contacted them since ( a few times a month ) they say the complaint is still being reviewed and now they put it on my credit report without resolving the issue with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act my rights has been violated?

15 U, S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-02-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Credit determination

Complaint:
I filed an application for a credit card after receiving an email inviting me to open a credit card from TD bank. A week late I received a denial letter from them for the reason stated on their letter of " your income is not sufficient in relation to your amount of debit '' and also stated that my credit score is XXXX. I was astonished by that since I am debit free. They stated on the letter that they got the information from XXXX agency report. I then thought that I probably became victim to identity theft. I then downloaded my credit repot from XXXX website and printed out. The report showed no debit at all in contradiction to what TD bank claim. On XXXX XXXX I called TD bank credit dept. to discus the matter and to ask them to fix this issue. I spoke to costumer service who said her name was XXXX and declined to state her last name. She offered me an apology and nothing else. She asked me to contact XXXX and I tried to get her to be logical saying that I downloaded their report about my credit history and I have it in my hand right now so please go over the line which state that I have any debit and let 's go over it together but she did n't do it simply because the reason they claim does not exist. My discussion with her was to no avail and she declined to put her supervisor on the phone with me. Now I am filing this complaint to bring this institution 's mater to light as I felt discriminated against and insulted by their declining me a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30
Company: KEYCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
This is in response to my dispute with Key Bank over transactions from XXXX that I DID NOT AUTHORIZE. There are {$5000.00} in fraudulent transactions from this merchant. In your letter to me you say that the charges are considered authorized. What??? Show me a receipt with my signature and I 'll let this drop! I did NOT authorize these transactions. I am NOT going to let this go! I 'm attaching the letter you sent me. Nowhere in your letter is there any proof of these transactions being authorized! Show me my signature! You 're just trying to take advantage of a XXXX man!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: KEYCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Key Bank is processing debit transactions before credit transactions. In 2013 the CFPB said that the largest banks were processing credits before debits to avoid material losses to their client base. I feel that this process is deceptive, and not fair to their client base. 
Example : Account balance @ Key Bank : {$0.00} Mortgage Coming out @ Key Bank : {$800.00} OD/NSF Fee Assessed @ Key Bank : {$38.00} Direct Deposit going in @ Key Bank : {$1000.00} Ending Balance the next morning : {$160.00} At any other bank you would have {$200.00} because they would have credited your direct deposit before taking your ACH mortgage out. 

Additionally, their systems allow for the mortgage to actually be returned as well if no one is available to manually pay the item with the direct deposit still sitting there. This potentially causes an entirely new set of problems via foreclosure and such.

Company response to consumer: Closed with explanation