BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-27
Company: HOVG, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have received numerous letters and phone calls from Bay Area Credit Service stating that I have a collection that I owe somewhere around {$400.00} ( I am at work right now, do not have the exact amount ). I thought all my collections were taken care of because I had two other collections which I settled but not before I had them report for several years and also sending me many letters and phone calls while Bay Area Credit Service had not done either until the past year. I asked them to tell me the hospital name and phone number, the original source of debt, but they were going around that and I never got a clear answer. I was getting annoyed with their constant barrage of phone calls and called the hospital I went to and they said all I owed was $ XXXX~ and that they had sent that to state collections. I called state collections and they said that they had it sent back to the hospital, which I called them again and they said they found where it was forgiven once it came back. I asked why I never saw this on my credit report for the past 3 years ; they said because they were trying to give me a chance to pay it off before affecting my score. They then continued after that, saying they would report to the credit bureau for my collections and they would stop contacting me because this was my " last chance ''. I have yet to see it on show up on my credit report and even after being threatened that this was my " last chance '' to pay off the collection, I still receive phone calls and letters from them. 

Apologies, this is a wall of text, I am unable to go through it again while at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion, is not allowing customers to dispute inaccurate information on the credit reports online or via any other way. They are once again in anti-trust violation. They do not have the right to hold this over consumers heads. We have the right to dispute and update inaccuracies on our reports. They refuse to respond, or allow us to fix the reports. I have tried to contact Transunion directly and to deal with this in a professional manner, and they refuse to follow the laws and regulations set forth by US government. Something needs to be done about this. 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 non-monetary relief
Consumer complaint received 2017-04-17
Company: SECURITY FINANCE CORP
State: UT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have recorded phone calls where I have requested they not call me and only communicate through the mail. They still continue to call me. I have these calls recorded. I have saved the voicemails where they leave very detailed information on my voicemails and have given my mom information also. They leave messages on my voicemail saying my account is past due and I can get money out if I come down and refinance my loan and tell me how much. They leave me messages on my voicemail saying it is really important they talk to me by the end of the day then give me a time. They harass me constantly and they would even call relatives that are not references and tell them I will not call them back. I have since paid them off but I can prove the harassment and can give the documentation if needed. I have the recorded phone calls where I told them to not call me again and they still would many times a day even after I would talk to them, they would call me a couple times after.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX XX/XX/XXXX CN # XXXX all accounts listed are being incorrectly reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CRA is in direct violation of Metro 2 compliance, FCRA section 609, and Michigan consumer protection laws.

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 2017-08-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX, I went to the XXXX website : XXXX, it had a sign up button saying sign up for a free 2 week trial, which I clicked on. I went through the sign up process, and provided my payment method of choice : PayPal ( which used my PayPal Smart Connect credit line account as my payment method ). If I decided to continue the service after 2 weeks, they were going to charge me {$9.00} then. Instead, they ( XXXX ) immediately charged me {$9.00} via PayPal. I immediately started to try and contact them ( MoviePass ) via every way I could : XXXX XXXX & DM 's, XXXX DM 's, direct e-mail, and via their website : XXXX. No one from XXXX has responded to my request of a refund & cancellation. I just want my money refunded & the service cancelled. I never received anything from them. I did n't get a confirmation, reference, transaction ID #. Just an e-mail sent to my XXXX account e-mail : XXXXXXXXXXXX, the subject said : " Welcome to XXXX '' with a link to download their mobile apps from the XXXX XXXX XXXX & the XXXX XXXX XXXX. There was no confirmation, reference, transaction ID #. No one from XXXX will reply, they will not refund my money, they will not respond to any of my contact efforts. 
I started the dispute process through PayPal ( Dispute Case ID : XXXX ). My PayPal account e-mail address is : XXXXXXXXXXXX. The transaction details are : Transaction ID : XXXX, Merchant : XXXX XXXX XXXX, Payment : {$9.00} USD. Yesterday : XXXX, PayPal denied my claim, their reason : " Your claim was denied because you did not cancel the billing agreement before the transaction took place. '' Which does not make any sense to me at all. I signed up for a free trial through XXXX, I was charged by XXXX immediately {$9.00} instead via PayPal & PayPal Smart Connect credit line. I asked immediately for a refund, and a cancellation, but did n't get a response from XXXX, so I disputed the charges with PayPal. I do n't understand why they denied my dispute of my charges, and sided with XXXX. My complaint is against both XXXX & PayPal. Please help me. I am XXXX, and on a low fixed income. Thanks. 
P.S. I did file a complaint against XXXX with the FTC. Here is the 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 2021-01-19
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never applied for an account with this company or given them authorization to insert any accounts to my personal credit profile. I was a victim of identity theft and have submitted my information to the company several times in order to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/XXXX, I was issued a loan from Loan Me XXXX. I obtained this loan by phone. I don't recall receiving written contact for the promissory note. The call was advised it was 36 % percent. They verbally represented the facts by phone. After making more than 60 % of the principal amount I borrowed, I was no longer able to pay the large amounts of interest/payment. I did modified once for having payment arrangements due to payments to high of interest. Shortly after I wasn't able to pay off. 

Shortly later, I received a letter from XXXX XXXX XXXX, XXXX. dated XX/XX/XXXX stating that I owed {$3700.00}. This letter was sent by the law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

XX/XX/XXXX I was served with XXXX XXXX XXXX lawsuit by XXXX XXXX XXXX  claiming I owed {$3000.00} plus {$710.00} post charge off interest. {$3000.00}. plus interest from the date of the charge off debt, which was XX/XX/XXXX until of judgement. 

When I received the initial letter I thought it was a scam. When I was served, the copy of orginal promosinary note, which shows a interest rate that I was not aware of which is 137.65 % interest, APR. I was stunned, {$16000.00} of a claim. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: TN
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received numerous collection calls on my home phone from an American Express collector. I called American Express 3 times and requested my number be removed as I do not have an American Express card and informed them they are calling the wrong number. Each time they assured me the number would be removed. About 3 weeks later I received two calls from American Express in which the " Senior Account Manager '' left a message specifically stating the name of the person they are collecting against ( no one related to my phone number ), personal/sensitive information about the debt this individual owes, information that this person has ignored their calls, and threats against this person regarding additional collection steps if their call is not returned. I called back this collector 's direct line today and told him again that it is the wrong number and that they should not be leaving personal information about anyone on an unknown number. He did not apologize and only stated again that the number would be removed. This agent was very rude on his messages and while speaking with me. It is not legal to leave personal information about a person 's debt on a voicemail machine, one that is not even related to that person! I hope that this can be looked into further and addressed promptly to stop it from occurring. Providing personal, private information regarding a person 's debt on an unverified voicemail should never be done. There was not even a warning on the message that this information was from a debt collector or that I should disconnect if not the correct person. That is VERY WRONG. The direct line for this " Senior Account Manager '' is XXXX. He should not be allowed to continue his work in this field. I had always thought American Express was a reputable company until now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: STERLING JEWELERS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Account Closed on credit report of Jared The Jewelers. Acccount reporting negative information on credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: ENOVA INTERNATIONAL, INC.
State: NV
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I was in the process of applying for a payday loan through the company 's website. It states I already have an account with them. I requested information on the loan that was already taken out as I have no prior contact and no records by email or bank statements of doing business with the company. they told be the account is closed, marked past due, and the loan has been sold to ta 3rd party agency. would not tell me when the loan originated, or the amount, or when the loan was sold to a third party agency.

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 2017-04-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax is reinserting previously deleted items to my credit file such as a judgement after it 's been deleted as well as other accounts. I also have a split file where XXXX different reports are being provided. This has been confirmed through separate lenders having seen different reports on XXXX separate pulls. They refuse to acknowledge that split files are possible or that I have one even though lenders are seeing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited {$440.00} to my checking account. The last XXXX digits of my account number is XXXX. I went to the WF XXXX XXXX in XXXX, N.C. I did not have any deposit slips so I gave my ATM card to XXXX, the teller. I told XXXX that I wanted to deposit that money in my checking account. About 4 days later, while checking my online account, I could not see the {$500.00} deposit. I called the XXXX branch and told them that I made on deposit on XX/XX/2017 that was not showing up. The person on the phone directed me to go to the bank. I went to the bank and talked to the service manager. I told her what happene. She looked it up on her computer and told me that the {$500.00} was placed on a loan that my son XXXX XXXX, XXXX has with WF. I told her that account was none of my business and that I wanted my money back. She called the loan division where the check was deposited. She told me that she was instructed to write a letter on WF letterhead explaining what happened. She told me that she was advised that when they received the letter, my money would be refunded to me. That has not happend. I have received the run around from WF. Each time that I have made an inquiry, I was told to call back in 2-3 days. It has now been over 3 weeks. I want my {$440.00} back.

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 2022-03-04
Company: AMERICAN ADVISORS GROUP
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began talking to XXXX, an AAG Rep about a XXXX XXXX in XX/XX/2021. I was consistently mislead by him about whether or not my house would qualify for the XXXX XXXX. XXXX would dismiss my concerns, talk over me or make misleading statements. Do you have big holes in your walls? Was one of his most used questions when minimizing my concerns about the condition of my house. I never should have spent the {$590.00} for the appraisal and more than {$200.00} for the Counseling fee. I read about the requirements on line, attempted to discuss them with him, and my concerns were dismissed. I was consistently confused and worried. He was the expert. I feel I was intentionally mislead throughout the relationship which lasted until XXXX. In addition, XXXX knew I had been declined and did not tell me even though I asked him to email me as soon as he knew something. I received a letter in the mail. I can not understand why he was keeping me hanging on unless it was to get me to spend more money on a new appraisal. Retirees who are looking for financial assistance should have someone honest and trustworthy to help them. This was definitely not my experience with AAG. I could not afford to lose all that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am an XXXX XXXX without credit history, nor account, nor credit card in the US. I received a fraud text message ( on XXXX, 2022 ) through which I gave them my address, name, date of birth and SSN. Then I contacted XXXX, Experian and XXXX through phone ( on XX/XX/XXXX, XXXX, XXXX, 2022 ), I was told that I do not have credit account and in order to create one, I need to fax and mail ( on XX/XX/XXXX, XXXX, 2022 ) them a copy of my ID and proof of current address and some requires a copy of my SSN card. Then they can create credit accounts for me and lock it to prevent potential harm from the theft. 
I mailed the documents as required. However, I received mails ( on XXXX XXXX, 2022 ) from Experian and XXXX stating that they can not locate credit report and therefore they can not create credit file for me and freeze it. With XXXX, I never received any response.

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 2022-08-30
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/XXXX I got a notification that on XX/XX/2022 there was a hard inquiry on my credit report from TD bank/Target. I did not apply for any credit card. I am concerned this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened up a TD Bank account in XX/XX/2017. This bank account had a bank promotion of receiving {$150.00} after making {$500.00} in direct deposits within 90 days. I have met the terms of the bonus. When I messaged TD Bank about the bonus they sent me the following message : " Hello XXXX, Thank you for contacting us in regards to the new account opening promotion. 

TD Bank is currently offering a new promotion that is available only through the Online Banking, by clicking on the " apply now '' through the Ad on TDbank.com. Once the account has been opened through the landing page, the applicant can choose between one of two options : Open a TD Convenience Checking account plus receive direct deposit ( s ) totaling {$500.00} or more within 60 days of account opening to earn a {$100.00} bonus. 

Or Open a TD Premier Checking account plus receive direct deposit ( s ) totaling {$2500.00} or more within 60 days of account opening to earn a {$200.00} bonus. 

The account must be opened for at least 95 calendar days to receive the incentive. In addition the applicants must be a new personal checking customer, meaning, they must have no existing or prior personal checking accounts at TD Bank. However, they may have an existing relationship at TD Bank. 

A review of our records indicates that this account was opened in person at your local TD Bank store location. Where this is an online only promotion the account would not be eligible for the promotion. 

If it is helpful to note, TD Bank does run promotions periodically for current, or past, Customers. Please feel free to check in with your local TD Bank Store for any promotions that may be available in your area. 

We apologize for any confusion. 

If you have any further questions, please contact us via email or call XXXX to speak with a Customer Service Representative, 24 hours a day, 7 days a week. 

Kind regards, XXXX XXXX. 
TD Bank On-Line E-mail Specialist '' There are two problems with this response. I received an email of the promotion from a TD Bank representative. She informed me that I was eligible for the promotion. The promotion she sent me says nothing about the account having to be opened online. The 2nd issue is that the response says the promotion was for {$100.00} when in fact it was for {$150.00}. I have the email that the representative sent me. This is completely unacceptable to tell me I can open an account and get a promotion and then months later after I have already completed the terms tell me that I can not get the promotion when the representative said I could.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Multiple attempts at disputing both with the collection agency and the credit card company itself. I sent documentation showing that the debt was not mine ( they offered proof ) and with an open dispute it was turned over to collections. The collection agency told me that debt in dispute could n't be turned over so I was wrong or lying. They then continued trying to collect.

Company response to consumer: Closed with explanation