BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
XXXX  has manipulated my payments. During the last 12 months, instead of  XXXX  entries to my amortization schedule,  XXXX  proudly presented me with a  XXXX  page report with  XXXX  entries to my account. Criminals do this to launder money. They just need to adjust to the amortization schedule, go back to the principle and interest on the original loan, and report to the credit agencies my prompt payments This problem started when they failed to pay my real estate taxes, paid the balance twice which put me in a contrived deficit. The misappropriate escrow funds, misapplying my payments. These people are unable to process payments and should not be allowed to do so. If legal ethics were applied, they would be considered out of trust and be banned from practicing law.

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 2021-10-25
Company: Accounts Interchange Group LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Company called in aggressive tone. They stated the debt and amount. Told me they sent an attempt to collect via mail. Which i never received nor was aware of. Told me they were going to file judgement to court or something like that that my debt was in delinquent state. The asked me do i want to resolve this yes or no. I said i cant give you answer until i find out whats going on but he interrupted saying youre not goving me answer of yes or no. The whole call i was stating i couldnt give him an answer at the moment. IN one occasion i said uhh i cant give you answer at the moment. He replied with you said uhh which means youre lying and most likely dont want to continue to resolve this. I told them multiple times i was at work. I aske a question and he started laughing. He tried to rephrase what he was saying to try and get me to give him an answer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XX/XX/2015, I filed an dispute with Experian and advised Experian that voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX, XXXX and XXXX were currently reporting in my credit file. More importantly, I advised Experian that their is not any clear language in the statue that states voluntarily dismissed chapter XXXX bankruptcies should be included in a consumer credit file and to delete the voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX,XXXX and XXXX and supply me with and updated credit report. I advised Experian my mailing address is XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, NY XXXX. I never received an response from Experian. Subsequently, I filed a second dispute with Experian on XX/XX/2015, and advised Experian that they never responded to my dispute dated XX/XX/2015, and it has pass the allotted time for disputes and they are in violation of the FCRA, and the XXXX voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX and XXXX should be immediately deleted off my credit file, and to provide me with an updated credit report. Furthermore, I advised Experian that my mailing address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. I never received an response from Experian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  and  XXXX  all have my credit report correct.     Equifax is missing 90 % of my accounts and every account on their system is incorrect. I have been complaining to Equifax for 2 years now. They state the companies are not reporting the information. All companies were personally contacted. They all say they follow  US  laws and must report, they are all showing up on credit reports except for Equifax.   Here are the companies Equifax state are not reporting to. ( Even though they show up on all other credit bureaus ) They  are : 1.  XXXX    XXXX   cards  XXXX   XXXX  cards not report ed 2.  XXXX   XXXX  cards x  XXXX  cards  XXXX  shows up with wrong account number and wrong balance and limit information.   3.  XXXX    XXXX  not reported  4 .  XXXX    XXXX   XXXX   loan not reported 5.  XXXX   XXXX  not reported 6  XXXX   XXXX   XXXX   XXXX   not reporte d 7   XXXX   XXXX . not reported  8    XXXX   XXXX   credit card not reported My credit score is approx  XXXX  points lower on Equifax. I have been denied credit 4 times in the last 2 years because of this incorrect information, even though I have notified them o n 3 d ifferent occasions. This has severely caused me economic damage in  XXXX   2017 n ot to mention hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was informed that my account was closed due to a returned ACH payment, but if I made a valid ach payment for {$320.00} on  XXXX   XXXX  my account would be re-opened, I made that payment and followed u p 2  weeks later only to find out that my account still was closed and I was given inaccurate information. They encouraged me to apply for a new account, which was n't the terms of what I was told. Walmart credti card then opened a case to investigate yet still could not open the card On  XXXX  I requested that my account either be re-opened or the {$320.00} payment returned to me as I made that payment under false pretenses. However I was told this is not possible

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 2017-04-27
Company: CITIBANK, N.A.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On  XXXX   XXXX ,    2017 I m ade an online wire transfer from  Citibank N.A.  to  XXXX   XXXX   XXXX   XXXX ,  XXXX  for the amount of {$3000.00} the transfer fee was {$35.00} in total {$3000.00} dollars were debited from my account.      The exchange rate : US  {$1.00} =  XXXX   XXXX  Transfer Amount :  XXXX   XXXX  Other fees :  XXXX   XXXX  Total to Recipient :  XXXX   XXXX  Date of Availability of Funds :  XX/XX/2017    Confirmation Number :  XXXX  My wife went to collect the funds, but instead of receiving the transferred amount she received  XXXX  pesos less. I would like to find out what were the fees and taxes charged, if any.

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 2015-04-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I checked my credit score through Experian on or about XXXX XXXX, 2015. On their screen was an offer to check my FICO for one dollar. So I did it and gave Experian my credit card number. In their terms and conditions, which I did n't read ( like most people ) they have that old scam of charging my credit card a membership fee after 7 days if I do n't contact them and cancel. So after 7 days, they charged my card {$21.00}. I contacted them by phone on XXXX XXXX, 2015. The employee named XXXX, told me that the 7 day notice is in the term and conditions and I was n't eligible for a refund. XXXX suggested I could dispute it. I had called my bank and to dispute it I would be issued another credit card. That would take from 7 to 10 days. I did n't want to be without a credit card for that long since I pay mostly by credit card during the month, then pay it when it comes due. So Experian lured me in with a one dollar FICO check. I think that 7 day nonsense should be clearly stated on the screen not in terms and conditions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-25
Company: Augusta Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am filing this complaint because Augusta Collection Agency Incorporated yelled at me and argued with me over a debt they claim I owe. At about XXXX XXXX on XX/XX/2025, I called back XXXX which is the Augusta Collection agency and the agent argued with me over how XXXX XXXX is not responsible for taking or relaying insurance information to their billing department. I told the agent that she was not allowed to argue or yell at me and she insisted that she had every right to argue with me and attempted to deny yelling at me before she hung up on me. I have already filed a complaint against this company over this same company that keeps insisting that the bill is legitimate and even though XXXX is contracted with the county to respond to medical emergenices, they insist they do not have to obtain insurance information or relay insurance information to their billing department. They do not warn patients that patients have to submit their insurance information to their billing department themselves and they will not stop calling me or arguing with me about the and they lied and said that they had been waiting for me to call them with my son 's insurance information, I sent the insurance information to them in an email and they never responded and apparently never even bothered to charge my son 's XXXX information. They also continue to insist that they are not obligated to follow divorce decrees and indirectly threatened me by saying that by not paying this bill even though they know I dispute the bill that they will continue to report on my credit and that it could cause harm to my credit. Furthermore, the agency had already said that they would stop calling because they were not just calling me over XXXX but that they would stop calling for a XXXX XXXX or XXXX XXXX who they said my have had my previous number and seems to have violated her privacy as well. They did not stop calling and asked for both me and XXXX XXXX even though I do not know that person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In  XXXX   XXXX  I received a report of a hard inquiry on my credit for a  Chase Amazon Visa  card for which I had never applied. I put a fraud alert on my credit and stopped the fraudulent application.  XXXX   XXXX , another hard inquiry against my credit for a  Chase Amazon Visa ca rd. I called and spoke with Chase and was able to stop the application. However, the representative would not give me any information about the application, saying it was protected and I would have to fill out an affidavit, file a police report, write my own summary, copy my drivers license, ( he sai d 3 or 4  more steps, but I was driving and unable to write them down ) and mail all of this information in " certified first class mail '' to Chase for review. It would take  30-90 d ays and they might be able to comply with my request. He said he was unable to email these requirements and said they were not published on the website. He could only tell me other the phone.     Why is chase continuing to allow fraudulent applications through and why the ridiculous hoops to get any information about an application that was submitted in my name. I verified all the information at the start of the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Comerica
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Hello! MNy name is XXXX XXXX XXXX, I wish to make a complaint against Direct/Express Financial Institution. I have been a customer of theirs for for about Two-and a-half years. They issue me my retirement Social Security which is {$980.00} per month. 
When I signed up I distinctly remember signing and checking the box in which they asked if I wanted Direct/Express to mail my statement to my mailing address. I said " yes ''. Nevertheless, they finally began mailing my statement around XXXX, XXXX. The clerk said I did not tell them to mail my statements. I, just about know I did. 
Also, Starting XX/XX/XXXX or XX/XX/XXXX, I 'd run out of cash during the middle of the month. This month I received my Cash on my card on Friday, XXXX XXXX, XXXX, and was out of money by XXXX XXXX, XXXX, which is very unusual for me. 
Also when my statement shows and error charge, The bank clerk transfers me to the " Disputes '' department. Which takes about 20 minutes to reach, and they ask what the problem is, and I tell them, and then they say they will mail me a questionnaire for more details. It takes approximately 3 months, or more before my account is credited. Most of the time it is not. Direct Express, I believe, keeps that money. Since have not received much of it. 
Last, but not least, their statements are not logical or reasonable ; the balances for each transaction is " {$0.00}. It 's hard to subtract the costs. etc. 
Sincerely, Card- Master Card, Card number, XXXX Debit Card Do n't know Account Number, It is a sav9ings account. 
XXXX XXXX XXXX Birth- XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX Restore the money that was not calculated correctly. please,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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:
XXXX XXXX XXXX Account number XXXX In accordance with the fair credit reporting act, this creditor has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy. 
15 U.S.C. 1582 section 604A state consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1666 B A creditor may not treat a payment on under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/17 -TransWorld Systems.  The company listed is NOT bonded in the state of Texas and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Square loans me money according to algorithms having to do with my sales activity. I called them to ask if i deposited money into my accout would it impact my loan eligibility. Its a yes or no question. No matter how many times i asked them they said things just to avoid my question.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by someone on  X/XX/2017    at  XXXX  using a restricted number claiming to be a 3rd party who is filing a motion to prosecute me for a debt. That person called repeatedly from a restricted number until I answered. He told me that he knew my address and to be home tomorrow between specific times to sign for a court document. I asked about the nature of the document and he gave me a name and a number to contact   XXXX   XXXX   XXXX   at phone number  XXXX  with Case number  XXXX  and said to ask for  XXXX   XXXX  the arbitrator. When I called  XXXX   XXXX  she became extremely hostile after I asked what the debt was about. She said there is no way for me to pay the debt without going to court and threatened to call my employer and ruin my credit. She then hung up on me. I called her back repeatedly until she answered and she began shouting threats at me and calling me names. She threatened to put me in jail, call the police on me for calling her back, she said she was going to ruin my credit, and garnish my wages. She called me a " little man in a big mans body '', she called me other stuff too that I ca n't remember because I was trying to calm her down to communicate what this was all about. I attempted to call her back several times and she kept hanging up on me. The whole situation is extremely disturbing.

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 2021-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report and I realize that my credit score is super low! Where did you get this information I didn't applied for anything. I believe that someone used my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo has disabled  my ability to make my loan payments online. This complicates the payment process and can lead to late payments. There is no reason that my ability to make online payments should  be disabled. I  have NEVER had an online payment be rejected.     This is clearly an effort to make it harder for me to make my payments so that they can accelerate the forclosure process.     They have also offered to allow me to make a payment in a lower amount, but refuse to clearly define how this altered payment will be applied. They expect me to give them money with absolutely no knowledge of how it will be applied. They tell me that these payments will get me set up to a new payment plan which they also refuse to define. It is completely unacceptable that a bank be so ignorant and secretive about my money.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Please request the creditor to show proof of the original contract with the address that was used. Otherwise please delete this erroneous 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 2021-10-25
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I had a promotional Cash Back of {$200.00} mailed to me that stated when I spend {$500.00} within 90 days of opening my account I would earn {$200.00}. I had until XX/XX/21 to activate the offer. I called and was approved on XX/XX/XXXX. The bank is now telling me I am only eligible for {$150.00}. I do not feel this is an acceptable business practice. My credit score is over 800. Had I known this bank was going to be deceptive I would have went with a different bank that offered the same cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: RoundPoint Mortgage Servicing LLC
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: Account information incorrect

Complaint:
I had late payments on my account from XX/XX/2019 to XX/XX/2019. I did a modification which started XX/XX/2019. I was told no late payment would be reported. I have tried very hard to work with Round Point and the credit bureaus. I have gotten nowhere. I am looking for someone to assist me with getting 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