BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-24
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am requesting copies of all complaints made about this bank to this moment unresolved. while this agency is charged with looking into discrimination etc nothing is being done and i have escalated my concerns about this.   I continue to get responses from a nameless person likely  XXXX   XXXX  not addressing anything. I know this is headed to court. i am no longer making payments on any account and will take legal action to protect my credt Everything referred to earlier goes unresolved. Notes, in a disciriminatory fashion i am now requesting copies of these notes on all my accounts that disable me from getting help i deserve. that any other bank would freely give. I want copies of all SIGNED credit card agreements since my legal research reveals class action suits have been inititated in this regard. I dispute the interest, i dispute that  i AM being di sciminated against. I now have a legal course of action intended to protect my credit and will no longer get the nameless responses when i indeed requested a name be given in the response. Nothing is resolved. AND CFPB has been reported for accepting what is just a bunch of lies and scripts from a nameless person that i demanded be named as i have asked  XXXX   XXXX  to not deal with my accounts. Notes on my accounts i ask for or will in discovery. No one will help me as they other wise would when i call and now no more payments. Let a judge decide. Promos promised then nothing. Interest assessed after i have been misinformed. I will be able to show a judge when the discriminatory behavior began, what it is how it affected my payments and my overall history never mind the time i have invested to create this papertrail. No doubt from a nameless person i will get another Stonewalling script saying " : we will investigate '' nothing is being investigated just dcripted by the same person being discirminatory. Who looks up disputes that are old implies i am a career disputer in a discriminatory fashion and provides wrong information. this behavior appears to still be unregulated. Send a,, documents i request and CFPB i have reported that while your duty is to investigate what i am reporting and have you are not. nothing is resolved. the person who answers must identify himself or i will not accept or likely use in court against this bank. with no other bank has this ever happened. I guess the thought is you bully me you will get what you want. we will see. now you get nothing. Send all copies of arbitraiton, name yourself, send all notes on my accounts that were put on so as to disarm anyone from helping me creating a discriminatory contentious environment. your denial of discrimination or so it seems will have to stand up in court. I read all about discovers fraud. I know this is   XXXX   XXXX   this bank is so horrible no one else responds. i aint spinning my wheeels i am acting LEGALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Today 's mail had a letter and other materials for an " automatic upgrade to the Wells Fargo Visa Signature Card '' from XXXX XXXX XXXX, Senior VP, Credit Card. Unfortunately, the materials consisted of XXXX words in very small fonts explaining the " benefits '' of the program. The main cover letter contains confusing and sometimes contradictory wording. We called Wells Fargo customer service, XXXX, in an attempt to get some clarity about what was being offered. The representative on the phone was unable to help, seeming unfamiliar with the offer. All I really want to know is what is different about this card being offered compared to the card we have right now. The obfuscation here is mind-boggling!

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 2021-03-16
Company: ALLIANT CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2020 I received a welcome letter from Alliant for opening both a checking and savings account on XX/XX/2020. I phoned Alliant on XX/XX/XXXX about this notice because I did not open either of these accounts. The person I spoke with confirmed that someone had opened these accounts in my name with my accurate date of birth and social. While no money was deposited into the checking account, {$5.00} was deposited into the savings account. The 10-digit member account number for this account is : XXXX. When I told her that I had not opened either of these accounts, she forwarded me to their fraud department where I reported the incident. I asked that both these accounts be closed. I later reported this as fraud to XXXX  I am following the instructions of their fraud department in reporting this to you now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove the items, that do not belong to me and these unknown accounts are not mine. Thank you for understanding and I hope you will investigate identity theft in my case. My personal information was used and abused as a result.

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 2022-04-09
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

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 2021-03-16
Company: CarMax, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I HAVE FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INCORRECT ACCOUNTS ON MY CREDIT REPORTS. I HAVE YET TO RECEIVE ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

INITIAL DISPUTE DATE XX/XX/2022 30 DAY DEMAND DATE XX/XX/2022

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 2016-01-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX Systems Accounts : XXXX, XXXX, XXXX, XXXX This collection agency took the original creditor XXXX Acct XXXX total {$1100.00} and reported XXXX separate collection record on my credit report resulting in Acct 's XXXX {$630.00} & XXXX {$490.00} Original creditor XXXX Acct XXXX total {$1500.00} and reported XXXX additional collection records on my credit report in Acct 's XXXX & XXXX In summary XXXX took XXXX original creditor accounts a generated a total of XXXX collection accounts on my credit report. 
I am requesting that all collection records from XXXX be deleted and prevented from reporting in the future to my credit. 

I feel that this information is not being reported correctly ; which is unfair and misleading

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Unifin Inc.
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Recieved a letter from Unifin Inc. on behalf of XXXX XXXX XXXX XXXX in mid XXXX around the XXXX it was dated XX/XX/XXXX. I wrote them a letter of Debt Verification and mailed it XX/XX/XXXX certified to the address they gave. They have not responded and have listed it on my credit report illegally. I called them the day it was reported to my credit file asking them to remove the report until this was validated. The representative then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: Resurgent Capital Services L.P.
State: MN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have not been given credit for the payments I have made since XX/XX/2015. It appears more has been added to the report. I do not have a contract with LVNV and will be filing a counter suit in XXXX if they do not remove the derogatory remarks. I have not missed a payment and I assured them I would pay XXXX through correspondence. They refuse to correct the report. They bought the loan from XXXX who I am unable to co tact. I have disputed this previously,. To date I have paid {$920.00} and have proof through bill pay from my bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
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 never had this account, i have never applied for this companies. I know that somebody used my personal information and applied for this companies, i never had contracts or agreements with XXXX  XXXX XXXX XXXX. I'm not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I opened a claim with Bank Of America and they honored the claim and gave me my money for the short 3 months until they took the money again. I filed a claim 4x they kept getting reopened and closed. All the proof I provided is below and exactly what I sent to Bank Of America and they denied it because they claim my IP address is consistent with the use of the account for all i know somebody in my home could've ordered it without me knowing. I've tried to be friendly with Bank Of America, but they've pushed me further to do this. This also it's the the first time and incident like this has happened. The amount taken from me was {$1200.00} and I did not authorize it to be taken on that specific transaction. I shipped back the items to XXXX then they close my account for return abuse even though I rarely return items to XXXX so now my bank is siding with them which is absurd.

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 2016-09-15
Company: Account Liquidation Services Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Account Liquidation Services is purposely violating FDCPA, section 809 and FCRA 611 ( a ) rule and illegally reporting inaccurate and incorrect negative information on my credit report damaging my credit score. The company fails to delete a debt and fails to not report a debt that is not mine. I requested verification of debt on XXXX/XXXX/XXXX and got a response. I responded with a deletion of debt request and sent in personal verification information to verify I am not the individual whom owns the debt. After requesting the deletion, the company failed further contact and to remove the debt from my credit report. The company instead added more negative accounts to my credit report in XXXX in which I again requested a deletion of the accounts. The company failed to respond to the request and I had to dispute with the credit bureau instead to have the accounts removed from my credit report. Upon checking my credit profile on XXXX XXXX, XXXX I noticed the company has again added negative accounts to my credit report despite my previous disputes and verification that I am not the individual whom owns the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: JPMORGAN CHASE & CO.
State: HI
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX, I called Chase Bank to open a savings account. Their representative XXXX XXXX XXXX spoke with a manager and granted my special request as I have an existing checking account, but am no longer living in a state with a branch so I am unable to open this account in-branch, nor online, as there is a location restriction that also blocks online applications when there is no branch in your state. Chase told me all I needed to do was sign a signature card and return it along with copies of identification and opening deposit. I did just that on XX/XX/XXXX. However, on XX/XX/XXXX, everything was returned to me without explanation. I called Chase and was told to send everything back along with a billing statement proving my current address matches what Chase has on file. I did just that that very same day. On XX/XX/XXXX, I called Chase to follow up. They are returning everything to me, yet again, this time citing my savings account can not be opened because I need to open it in-branch or online. Chase Bank has been giving me the runaround. None of their representatives are on the same page and XXXX does not return any of my emails. One agent tells me my request has been approved and then another tells me the exact opposite. Chase is showing very poor customer service and providing me with false promises. I do NOT know who to trust. This has been an absolute nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I have an existing Home Equity Loan with TD Bank, the same is under the forbearance plan in I which appreciate, as of I have decided to end this program, the bank offer different options to be able to accommodate the unpaid interest ; for that, there is an application and with that they request, the last 2 paystubs in which I had sent twice. After almost a month of the process, and many calls, no one seems to know what are they doing, all of the customer service had promised to call me back and never do. for whatever reason TD is asking if I have some sort of HOI ( Home Owners Insurance ), I had explained several times that I am not required to have a HO6 which covers the inside of the unit in the State of Florida ; however, in my monthly HOA dues it is included the master coverage for the condominium in which the bank must have because it is required to have as per requirement, as of XX/XX/2021 I have emailed the master insurance and I have requested a phone call and follow up. As you can see before, this is not my first complain about this institutions practices, lack of customer service, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2021-03-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
For months I have not been able to access this account. I can't log in and I have called, and even when I call and try to handle this account, I get no where. I don't and haven't even gotten a statement for over 6 months. I have been dealing with an identity theft issue. I think someone is using my info and slowly changing profile information until long information isn't valid. I want to dispute the charges on this account, I don't think that they are all mine. And to make this issue worse, I have been collecting fees, increase interest, and negative remarks on my credit during a pandemic. I thought that companies couldn't report negatively during this time? I'm going thru a hardship where even relief benefits are not helping, probably due to my identity being stolen. I have tried to communicate by phone and I'm sure I have emailed them. 
I'm also having a difficult time with an email hack. I think my calls and emails have been redirected, I notified the provider and ftc. But I'm only one person during a crisis, and I need help, and a way to fix this. New email, new user name no good.

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 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION ON MY CREDIT REPORTS. I HAVE NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

INITIAL DISPUTE DATE : XX/XX/2022 30 DAY DEMAND DATE : XX/XX/2022

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 2020-03-24
Company: SYNCHRONY FINANCIAL
State: NY
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:
In XX/XX/XXXX I signed up for an XXXX MasterCard because I was promised a {$50.00} statement credit after spending {$250.00} within the first month. It is now XX/XX/XXXX and I have still not received the credit even though I fulfilled the promotional rules. I have contacted them no less than 4 times about this issue and even have a transcript with a useless Customer service online representative promising to give me the credit. Still have received nothing. They fraudulently ran the promotion to gain more users.

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 2021-03-11
Company: Mutual Management Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mutual Management collection agency in cahoots with XXXX XXXX  XXXX are actively breaking the law by illegally reporting collections on credit reports. 

I cancelled my daughters registration to the daycare and advised the teachers weeks prior to. All childcare was paid and the cancellation was met with so I should not need to pay for a cancellation. That took one of my checks that were on hold in their file and tried to deposit. 

The account was later posted on my credit report for a different amount and I never received any legal Correspondence that such would be reported to the credit bureaus. 

I have continuously disputed this with the credit bureaus and they verify the debt and NEVER provide proof to me. This is illegal, unethical, and is a scam company being run out of a home bedroom. In the last 4-5 years that this has been reported I have been financially affected and I would like to proceed with a lawsuit. I ask the FTC to assist with advising of all the laws broken here. There was No notification sent to me prior to reporting, the amount is not correct, and they do not have my ID/SSN to even prove that I am responsible for any debt. This is fraud

Company response to consumer: Closed with explanation