BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
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:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX -- -- NAMES are NOT MINE. FCRA violation. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX < -- - ADDRESSES are NOT MINE. FCRA violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX ( XXXX ) XXXX < -- - PHONE are NOT MINE. FCRA violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX  XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/2018 < -- - ACCOUNTS are NOT MINE.

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 2021-12-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a Citi Priority Checking with {$53000.00} on XX/XX/2021 and after 150 days I should have received {$700.00} as a promotional bonus but now after 160 days I still have not received it. I filed complaint with bank on XX/XX/2021 but they rejected my complaint. I need help in this matter.

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 2021-12-10
Company: Commonwealth Financial Systems, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In late XX/XX/2021, i Received a letter dated XX/XX/2021 from XXXX XXXX Claiming to represent Commonwealth Financial Systems Inc. 
The letter alleged a debt which i do not owe. 
This collector is fraudulently attempting to collect debt I don't know by using coercive tactics. 
Commonwealth financial systems has reported the debt to the XXXX major credit bureaus without giving me an opportunity to respond within 30 days. 
As i file this complaint the 30 day period which is required by the law for me to respond to the letter has still not elapsed yet. 
i have already sent a letter of dispute to commonwealth financial systems inc., XXXX and XXXX and attached copies to this complaint. 
XXXX has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. 

XXXX has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. 

Both XXXX and XXXX and Commonwealth Financial Systems are in gross violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: FIRST HERITAGE CREDIT LLC
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I called : Creditor Contact Details :   FIRST HERITAGE    XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , TN  XXXX , (  XXXX  )  XXXX . I Had them check the information and because I used to have an account with an Ex-husband they had the Social Security numbers wrong. They had my Social Security under his name. They have changed that for me to avoid further confusion. Please remove this hard inquiry from my account. It has nothing to do with me. Going through with divorce has caused some Medical accounts to too fall behind on my  credit score . I will pay them immediately. Thank you very much.   Your quick response would be greatly appreciated.   Sincerely.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: CountryPlace Acceptance Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I got a loan from Countryplace Mortgage. It was a construction loan to permanent loan. After the loan was converted to the permanent loan, i was due several credits. One for the adjustment of the price of my mobile home, and a credit for the improvements.
I ca n't get Country place to credit my account. I have emails from Countryplace employees confirming this, but no credits.

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 2019-12-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a business account with TD bank that my account bas been restricted just because i issued out two checks in the amount of {$10000.00} and {$29000.00} for payments. Two days after the check was issued out i called customer service to let them aware of those two checks just because my account is new and was the first time writing checks from my account. The funds were debited from my account on XX/XX/2019 and XX/XX/2019, but TD bank security department called me and asked me to speak to my personal banker to verify the checks issued out which i did. Two hours later my account was placed under review so i contacted my personal banker again and he informed me TD bank securities have taken over my account and he is not allowed to communicate with me. There is no way to speak to that department because my personal banker informed me they only communicate with that department through email and there is nothing he can do to help me. As at now the other parties that i issued out the checks to haven't been paid due to TD bank not validating the checks with the other bank after checks has already been verified by me with my personal banker per TD banks request and checks been already debited from my account. This matter is inconvenient for my business and its causing delays for me to run my business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have requested the method of Verification from Transunion and they refuse to send the method of verification for a Chapter XXXX Bankruptcy. I enclosed the letter from the court system that states they do not provide information to the Credit Bureaus.

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 2017-04-11
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
After being on phone with Experian, verifying an account they said ( I do not have ) but do!! Membership ID # XXXX and my account opens a window with my name but they said you have account but NO INFO!!? Insane!! at XXXX years old and an XXXX holder for 20 years with Platinum status, with XXXX other major credit cards, Experian says I have NO REPORT!! Then says there 's a freeze on account I 'm not aware of!!?? This insane Company holds me hostage! with False reports and saying I have No account but that its FROZEN!?? I want legal damages and criminal report filed against EXPERIAN! for Hostage on Financial info it says it does n't have and I can not move forward in my Mortgage process. CORRUPTION!!!

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 2019-12-14
Company: DISCOVER BANK
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint against the company for trying to collect a false debt from Discover previously on XX/XX/19 with the CFPB. I am trying to close on my home and am clear to close. They are maliciously still holding the debt in house and have not sent it back to the creditor at all. They stated below that they are not collecting the debt but yet they are still holding the debt from Discover, the original creditor. 

The attorney is intentionally not releasing the debt to Discover so that I can satisfy the charge off so that I can close on my home. 

I have also copied and ccd Discover bank and and attorney on this complaint so that I make sure Im following all steps required beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Resurgent Capital Services L.P.
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 belongs to someone else

Complaint:
CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$29000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : LVNV FUNDING LLC AMOUNT : {$320.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX - AMOUNT : {$560.00} - DATE OPENED : XX/XX/XXXX - ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: PNB INTERNATIONAL INVESTMENTS CORPORATION
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
My complaint about this online remittance company  ( PNBWEBREMIT.COM )  is that they do not send a proof of delivery that would tell their customers that they actually sent the money. Also, they make it impossible for their customers to cancel a transaction.   Here are the details : I sent some money through https : //www.pnbwebremit.com o n  XX/XX/XXXX  .   Within an hour, I realized I had to cancel my transaction. I got the run-around. I called the number on their website (  XXXX  ) which directed me to another phone number. Then, upon reaching Customer Service, they said they could only cancel if I sent them an email. I sent an email to  three e mail addresses :   XXXX   XXXX   XXXX  ,  XXXX  XXXX  XXXX  and  XXXX  XXXX  XXXX . I received an out-of-office email fro m three emails . It 's been over 48 hours and they have not responded. Meanwhile, the money is underway and I could not cancel   the transaction.
To resolve my complaint and protect the US consumers, please require this company https : //www.pnbwebremit.com which appears to exist only online, to provide proof of delivery of the    money. Also, please require them to have a method to cancel financial transactions. Please require them also to display their email address and respond w ithin 8 hours. If it is so easy for them to take the consumers ' money online, they should make it easy for their cu stomers to retrieve their money.   To resolve this issue with PNBWEBREMIT.COM, I would like them to give me proof of delivery for each money transfer I have made during the years   XX/XX/XXXX and  XX/XX/XXXX .    Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I submitted a directive for XXXX XXXX, dba, Chief Executive Officer, to perform a set-off and adjustment of all charges by the exemption in accord with UCC section 3-419 ; House Joint Resolution 192 of June 5, 1933 ; Public Law 73-10 ; Title 26 section 674 ( b ) ( 5 ) ( b ) under Safe Harbor and US Constitution and release me from this obligation. Ms. XXXX fail or refused to perform her fiduciary duty as it relates to this matter.

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 2019-12-14
Company: DISCOVER BANK
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Discover sued me for an old debt that I knew nothing about. They sent it to a debt collection attorney XXXX XXXX  XXXX who has stated that they are no longer collecting the debt ( I attached the proof below in their response from a complaint I filed against them ). 

I am closing on a home and need to pay the original debt to Discover as a settlement for {$3100.00}. 

If this does not take place XX/XX/19 I wont be closing on my home at all and therefore no debt will be collected at all. So Im trying to pay the payoff of {$3100.00} at closing to Discover bank. My closing attorneys will pay it at closing. 

So please forward this complaint to the vendor department so that this can be settled. Or send CFPB in response back the payoff balance of the debt so that it can be submitted to the mortgage closing attorneys.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The Revenue Group is constantly calling my cell phone, which is on the  Do  Not Call List. They call from a  XXXX   (  My caller ID indicates this number belongs to  XXXX   XXXX  ) but when I call it back, it rings into this debt collection company. I received a call from this number on     XX/XX/XXXX .      Today,   XXXX   ,  I received another call from The Revenue Group from phone number  XXXX .     This company has repeatedly called and now calling from fake numbers.     I want them to STOP all communications to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not owe   XXXX   XXXX   I never made any arrangements with this  3rd pa rty and needs to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received an updated letter from Equifax, stating the XXXX account in question with a number of inaccuracies was updated instead of being deleted. The law does require Equifax when notified of erroneous information in any form that the item be deleted. Instead, they chose to update all of the missing information instead of deletion, ( five missing pieces of information ). I supplied the informatio in a previous complaint and I will attach the information once more. XXXX Acct Number XXXX. I have submitted numerous letters previous to this one that showed negligence on behalf of Equifax and your unwillingness to have this item removed, Instead, the item was updated, the law does not give a provision for an item to be updated, the law states that this and all subsequent tradelines, when disputed if there are any inaccuracies must be deleted. I am filling a follow-up claim with the CFPB to have this remedied immediately. 

Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
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: Account status incorrect

Complaint:
Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2021-12-10
Company: BARCLAYS BANK DELAWARE
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:
The issue is with Barclays US credit card. 
Despite repeated requests ( 2 ) Barclays US bank refuses to provide me with a credit card paper statement. It only sent me an electronic reminder listing the minimum payment due ( {$29.00} ) however it refused to provide a statement listing all purchases. On XX/XX/XXXX and XXXX I called the company numerous times and the calls were not answered. 
Subsequently I got excuses such as the Barclays US card experiencing problem with the XXXX XXXX or another excuse provided to the credit card partner supervisor ( Wyndham ) stating that the company is undergoing " system updates '' etc. 
The bottom line is Barclays US is unwilling/incapable to provide a basic customer service and depending who asks them the answer is different depending who picks up their phone. It is apparent that their overseas call center employees ( most likely provided by the third party vendor ) are not properly trained to handle calls or in my case are not even responding to calls. The question to the US regulator I have is this : Why is the Barclays Bank US allowed to operate in the US market when it can not meet a basic requirement such as customer service or even send out a credit card statement? Also why the Barclays Banks sends out electronic reminders to pay a minimum fee instead sending the total amount due? It appears that the bank deliberately drives the consumers to pay their minimum fees so the bank can charge high interest rates on the amount owed. I paid my estimated bill as I am unable to find out how much I actually owe on this card at this time due to the large volume of transactions.

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 2022-08-04
Company: EQUIFAX, 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:
I recently became a customer with XXXX XXXX XXXX on XX/XX/XXXX when my mortgage for property was transitioned from my previous mortgage servicer tocompany, XXXX. I I have one late payment on the above referenced account for XXXX of XXXX. This late payment is being incorrectly reported and is also within the 60 day period where the mortgaging servicer is not allowed to report negative information during the time of transition under section1681a of title 15 Incorrect information may have been also transmitted from my previous servicer to to the new one causing me not to receive notifications. I have spoken to customer service representatives to discuss the issue and have our email address and mailing address corrected the system, Customer Service agent named XXXX informed me that she does not show that my account is reporting negative info to the credit agencies in XXXX system but my credit report shows a late payment. She gave me reference number XXXX for our call. Since the company stated my payments with XXXX would begin on XX/XX/XXXX and reported a late payment for XX/XX/XXXX, this should fall within that grace period by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I got my Experian report and they are reporting wrong addresses for me that have NEVER been my addresses. I got this corrected before and now they have again started reporting these addresses for me that are not mine and never have been my addresses. They need to remove these addresses, I have lived at the same address for over 25 years and it has not changed. 
The reply to my previous complaint was a standard " we can not be bothered to address the problem '' and they sent the standard stupid " send us all your details again '' I have sent my details to them 16 times and still they have invented wrong addresses to add onto my credit report that are NOT my addresses and NEVER have been my addresses. 
They have refused to investigate where they got those addresses from and to remove them. If they believe these are my addresses then they need to provide me with information Where Experian got those addresses from and how they verified them because they are NOT my addresses. They have my correct information and I have sent it all documents to Experian 16 times and they still are incapable of correcting the information which means there is some kind of fraud going on at Experian or why would I have to send my information 16 times, and where is it and who has it? is another concern for 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 2022-04-29
Company: EQUIFAX, INC.
State: NY
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 reached out to the Credit Bureaus for over 30 days and I am yet to receive a response, these items are inaccurate and I demand to have the removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, 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 XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 602 A. States Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation