BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-21
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hello XXXX XXXX, I believe that TD Bank / Card Services discriminates against minority customers and provides false information regarding denial of services. I cancelled my credit card with them today, XX/XX/19, because I was falsely denied my request for a credit line increase. Their excuse was my credit report from XXXX  showed " multiple delinquent accounts '' however, when I logged into my XXXX  account there were no such delinquencies. Neither were there any delinquencies in my XXXX  or XXXX   reports. I spoke to supervisors in TD Customer Service and XXXX in TD Credit Services who both contradicted one another. I then contacted XXXX and spoke to their fraud department who confirmed that are no such delinquencies in my credit report and could not explain how TD Card Services came to their decision. 

This is actually the second time, I've been denied a credit line increase by TD Card Services. I was denied XX/XX/2019 because my account had apparently not been opened long enough and I was told I could reapply after XX/XX/2019. Not only has my credit score gone up since my initial request for a credit line increase but I actually was approved and received an XXXX XXXX credit card with a higher credit line at the end of XX/XX/2019. This is the 3rd time that TD Card Services have engaged in improper business practices. They initially ruled in favor of a merchant in regards to a transaction dispute and didn't notify me of their decision. TD then reversed their decision 2 days after I paid the remaining balance and again, did not notify me of THAT decision until after I called to inquire why I had a {$900.00} balance. Then when I requested the balance be returned to me, they did not do so until nearly 2 1/2 weeks later and after I made numerous inquiries as to when they mailed that payment out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-01-23
Company: USCB, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I had an XXXX XXXX on XXXX XXXX in XXXX XXXX, CA and was taken to the emergency room at XXXX XXXX XXXX for treatment. This was the second visit to this ER in less than a year. 

I had been unemployed since XXXX due to my XXXX. At the time, I had XXXX insurance that I was paying out of my savings. I was receiving unemployment ( ~ {$450.00} / week ) with a XXXX supplement ( ~ {$300.00} / week ). My income was far below 350 % percent of the Federal poverty level. During the year before I had my XXXX, I had medical bills of more than {$10000.00} ( far more than 10 % of my income ). California law ( SB-1276 Health care : fair billing policies ) requires hospitals to provide discounted care to patients more than 350 % below the Federal Poverty level and with out of pocket medical expenses more than 10 % of their income. 

I spoke with billing agents at XXXX. They told me ( over their internal messaging system ) that I needed to apply for their charity care program. At the time, they told me they could not accept an online / emailed application and that it would need to be sent via mail. I mailed an application to them with copies of my unemployment paperwork, as well as all of my medical bills. I never heard back from them. I tried reaching out by phone, but was told that they could not tell me anything about the status of my application. I started receiving bills for my care again in early XXXX at my parents ' address in Texas ( where I moved when my unemployment and savings ran out ), so I sent another application form in, this time with my XXXX W-2, which shows an annual income of ~ {$39000.00}. 

In XXXX of this year ( XXXX ), I received a bill from USCB America ( a medical debt collector ) trying to collect this bill. Because the hospital has not provided me with discounted care, it is not legal for this debt collector to attempt to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: The Thomas Agency, Inc.
State: NH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi this Debt was paid in full early XX/XX/2017 it came off XXXX   then 3 weeks later it appeared on XXXX why?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: DISCOVER BANK
State: TX
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:
After sending XXXX XXXX in Corporate services who claims to be a customer advocate volumes of evidence showing without a doubt that XXXX XXXX  a supposed dating service that I made purchases from does not run a legitimate or honest operation I have had nothing but excuses, refusal to communicate, and a very unprofessional level of effort made to resolve the obvious fact that I never received the services that were supposed to have been rendered! 

The one technicality that Discover tries to rely upon is that their policy of time passed since the dispute was made from the date of purchase. 1 ) If I had known at the time I was being scammed I would have notified them sooner! 2 ) There is no legal statute of limitations on criminal fraud! 3 ) All they do is tell me to work it out with a merchant who has already unmercifully defrauded me! 4 ) All I have gotten is an e-mail saying that they will investigate the matter while continuing to negatively report my credit status in violation of law which states that while in dispute there can be no such report! 
I am appalled at Discover 's lack of effort and ambivalence to their cardholders!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian is reporting XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX {$16000.00} Account closed Terms of 1 Month. Payment status : Seriously past due date assigned to attorney, collection agency. I have never opened an account in XXXX with no one. I have tried to dispute numerous times sent in docs. At this point Im ready to move forward with filing a Lawsuit against Experian!!!!

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 2021-04-22
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This company has received a check from my insurance company after the car was total loss. My balance has not updated. Also i have received information that i was a part of a law suit and should be compensated from this company and no one at the company will assist me. I have had repeated harassments, excessive phone calls, threats from an agent while trying to resolve issues with this account. Due to incorrect credit reporting and being involved in this lawsuit due to predatory lending practices this account should be removed from my credit report on all bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted a public record investigation request to LexisNexis XX/XX/2018 & XX/XX/2018. I received a responses more than 30 days after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA. 

PUBLIC FILINGS US BKPT CT IL XXXX/XXXX not mine US BKPT CT IL XXXX/XXXX not mine US BKPT CT IL XXXX/XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS 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 non-monetary relief
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX has violated my FCRA rights. This issue was fixed recently and it reappeared on my credit file. This appears on my XXXX and Experian  credit profile. It has inaccuracies stating that I made payment on XX/XX/2021, when I never made payment this is on XXXXXXXX Experian  states I never made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was enrolled in a premium auto protection by American Express. There was a charge on my account that should have not been charge. They are stating they are unwilling to do anything as its a valid charge. I have tried to do everything to get this resolved and they have been unwilling to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. Your company also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid the XXXX, they took it out of my bank applied the payment BUT DID NOT release the credit hold for 15 days. this could mean a company would see that i had a lighter credit usage and balance on my XXXX score than I actually did which is the very definition of a UDAAP and super bad since that procedure is not disclosed to the consumer by Synchrony Bank anywhere. You all should do a payment exam on their payment practices for the pay pal card for new customers- they told me any customers. This is a fairness problem with payment application, they have the money and refuse the release the credit amount in full. Bad. Bad. I spoke to them and the executive and the completely acknowledged this practice and seemed to be proud of it. Not a good practice and could completely cause much consumer harm.

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 2019-12-31
Company: Merchants Financial Guardian, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX a lawsuit was filed in XXXX XXXX over non-payment of home owner 's association dues owed to XXXX in the XXXX ( a legitimate debt ). 
XXXX XXXX - Letter from XXXX XXXX XXXX indicated that the amount remitted was insufficient - a new check was issued for {$4200.00} and negotiated by XXXX XXXX XXXX on XX/XX/XXXX on the condition was that the debt would be discharged and the lawsuit would be dismissed ( case # PCL XXXX ). 
XX/XX/XXXX I was notified by the XXXX in the XXXX office that the balance had not been paid XXXX XXXX - XXXX XXXX XXXX XXXX with a written response, copies of the cancelled check and to date, have not received a dismissal of the lawsuit or acknowledgement of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Home Depot sold me & XXXX delivered a defective refrigerator & refuses to refund or remove. Home Depot knowing that the refrigerator didnt work left it in the middle of my kitchen floor & refuses to come & pick it up forcing me to purchase another refrigerator during COVID-19 causing me financial hardship & a bill on my credit card for a product that didnt work. XXXX came in XXXX & put in a motherboard & its still not working causing me to keep loosing food weekly

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 2022-05-04
Company: EQUIFAX, INC.
State: CA
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 ACCOUNT # XXXX have violated my rights. 

15 u.s.c 1681 section 602 a. states I have the right to privacy. 

15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Please open attachment below : XXXX XXXX for narratives for STEPS THREE, FOUR, & FIVE Please open attachment below : XXXX for the documents that provide evidence to support the narrative.

Please refer to the Cover Page, Page 01 of the XXXX to provide titles and page numbers for the supporting evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Experian Information Solutions Inc.
State: CA
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:
Massive amount of fraud IDs scams frauding my documents and as business account and IDs scams and phones and internet scams frauding my documents. Federal and state not authorized Frauding scams national security clearance data Frauding scams IDs and accounts business frauding my VA mail and social security data and passport data Frauding scams frauding as medical scams Frauding scams using assortment of books and publication scams Herds frauding my documents as restaurants menu 's and food products Frauding saint XXXX XXXX XXXX XXXX XXXX Indiana ob Serial numbered documents of my birth certificate which is serial numbered attached to all my grade school documents and medical files and taxes and IRS pin and passport data ect Others wrecked my XXXX XXXX XXXX of XXXX  XXXX Indiana of XXXX country Indiana as others states counties and town and government and in ever state where they pulled that frauding scams frauding my XXXX country Indiana XXXX XXXX Indiana and family XXXX Indiana documents by the others state family 's and business.like they copied my grade school federal and state of Indiana permit and then copied all the adjoining data attached to the school by others states family 's after they copied the school

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 2019-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
I received an email from XXXX XXXX that new inquiry was added to my XXXX  report as of XX/XX/2019. When I looked into it further, the site told me that I had a hard inquiry from Capital One Bank USA but that there was no contact information reported by this creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX has ran hard inquiries on me without my consent, I did not give them a release to do so. I have contacted them several times about removing the information and it is still on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have submitted numerous documentation ( which is attached ) to the creditor, XXXX, as well as to Experian, XXXX and XXXX to validate that I have paid XXXX account XXXX in full and that XXXX XXXX illegally applied the payment to XXXX account # XXXX. 
I have requested on numerous occasion that XXXX XXXX provided debt validation for account # XXXX, however, they have not done so as required by the Fair Credit Reporting Act. 
Yet, Experian and XXXX continue to report this account as an open collection although documentation have been submitted on numerous occasions to them, proving that the money that was submitted to pay off this account was applied to an account that violates the Fair Debt Collection Practices Act. The creditor continues to violate both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and has not responded to my requests for debt validation, yet Experian and XXXX continues to report the debt based upon the false info provided by the XXXX. Due to XXXX XXXX 's blatant violation of federal laws, XXXX has correctly deleted this account from my credit file. 

I am requesting the CFPB to request Experian to delete this account from my credit file as required by Federal Law. Complete documentation is attached.

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 2021-07-22
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection agency sent me a bogus invoice with an individual phone # and address that belongs to a storage warehouse when I ask them to validate this account. They also didn't have the right amount owed or pay.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation