BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Transunion has fail to send me my report with results that I have been disputing containing wrong information since XX/XX/2017.

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 2017-05-25
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I transferred my balance fro m American Express to   XXXX   XXXX   XXXX  . American Express claimed that they received the close-out 5 days after my payment was due. They charged me an additional {$35.00}. I made the transfer more than 10 days before the du e date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Applied Data Finance, LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Got Loan fr om company on approximately  XXXX / XXXX / XXXX  to fix my automobile in anticipation that my  Insurance Company   XXXX   XXXX  would be paying for damages incurred by a freeway accident on  XXXX / XXXX / XXXX .  XXXX   XXXX  found a way to deny my claim on  XXXX / XXXX / XXXX  and I was stuck with the loan. Did research on to try to find a solution and found out that the loan itself is illegal in the state that it originated according to anti-loan sharking laws, Cal ifornia, the state that it was loaned in according to small loan law, Alabama, and according to Federal Law, the Electronic Funds Transfer act, because the loan requires to originate both that the lendee accept from the lender and make payments to the lender by Electronic funds transfer to be able to receive the lo an.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
After reviewing my credit score and report, I am looking that there some information inquiries and accts added to my report after this was deleted before XX/XX/2016. This is impacting my financial and health situation. not sure why this information is in my credit report after been 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 explanation
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: VA
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 have multiple UNAUTHORIZED inquiries listed on my consumer report and Experian has failed to remove them. They are willfully violating the FCRA as I have informed them multiple times that these are unauthorized. This is fraud. I have no idea why these inquiries are listed on my consumer reports and Experian has refused to remove them. I am sending off this complaint before I move to litigation. The exhibits that I have attached to this complaint will show my MULTIPLE efforts to resolve this issue with Experian and they failed to comply.

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 2022-03-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
I have invested more than US {$60000.00} with XXXX XXXX in XXXX in 2021. After I have fulfilled my obligation to the VIP Deposit requirement plan of {$250000.00} Malaysian Dollar,  I would have access to my account balance. Unfortunately, the JP Morgan Chase Corporation took over the business recently. They imposed a new additional deposit requirement of 25 % on my account balance of US {$100000.00} which was amounted to US {$25000.00} which was clearly illegal and unethical. It blatantly employed this corporate rule as a scheme to swindle and to confiscate my account balance. The Corporation has ignored the law which protect the consumer, and also demonstrated its blatant violation in lack of human decency in public thievery, and in public confidence and public trust with legal and fair rule. I demand the JP Morgan Chase Corporation refunds all my money from my investment account immediately. Total fund in my investment account is : XXXX Malaysian Ringgit equals XXXX United States Dollar

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  reporting on my experian credit file I have no known knowledge of this account. I have disputed this account and requested signed credit application with my signature on it, proof of ownership, and they have failed to provide any information to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: COAST PROFESSIONAL INC
State: UT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have already informed coast professional to send debt back to original creditor as I have no knowledge of this debt. I was approved a waiver to withdraw classes from XXXX and never received any funds. I am disputing this debt as a result of identity theft and fraud. Please send back to the original creditor.

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 2020-03-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX STATEMENT all credits are from merchants. NO USAA CREDITS. Please let this complaint provide vaiid proof usaa is not zero liability. Furthermore USAA holds consumers liable for unauthorized transactions. see attatched CFPB RESPONSE XXXX XX/XX/XXXX XXXX XXXX. OF OUR STAFF CONFIRMS " USAA HELD YOU LIABLE THE XX/XX/XXXX UNAUTHORIZED TRANSACTIONS OF {$470.00}. see attatched USAA FRAUD CLAIM LETTER dated XX/XX/XXXX XX/XX/XXXX {$470.00} UNAUTHORIZED TRANSACTIONS CONFIRMED AFTER INVESTIGATION. Kindly Note XX/XX/XXXX STATEMENT PROOVES NO USAA CREDITS AND USAA STAFF MS XXXX CONFIRMED XX/XX/XXXX USAA HELD ME LIABLE FOR THE {$470.00}. 
WHY??? AND THEY TRY TO COLLECT WHAT IS NOT OWED. USAA DESTROYED MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2022, I was in the process of my loss mitigation application, and the mortgage company served me foreclosure papers. This is a blatant violation of the Consumer Financial Protection Bureau regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Levy by State was sent to Wells Fargo XX/XX/XXXX. Finds should have been returned. Social security funds. Wells Fargo sent funds to state without affording me the state staute of 15 days for me to respond. Lied several times on information provided to me ad well as branch managers. Funds are not returned to either state or me. It's been 6 days. Was withheld information and info changed numerous times from wells Fargo. They indicated they don't have legal or para resp just regular emploees. Was told ct is one of two states that are required to send money immediately. No policy or procedure was noted. Questioned this they came up with another lie. I have XXXX XXXX  XXXX I rely on as to live and get meds. I am broke and can not get meds for treatment of XXXX. Help

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 2015-07-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Although I have filed bankruptcy and this was discharged in XXXX 2014, I am still battling with the credit agencies and creditors to reflect accuracy - this inhibits the ability to move forward and gain a credit history ; which was the ultimate goal of going to this extreme. I am simply trying to face forward and establish some positivity out of a horrendous situation. However, it has been months and they seem to discredit my claim. This is why I turn to this portal and request some assistance they may take a little more seriously ... thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: PA
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:
Equifax has 30 days by law to respond back they have not done so. According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 
In your investigation results please prior to debt validation constitutes collection activity. 
In your investigation results please provide the names, addresses and telephone numbers of individuals contacted during your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: AL
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:
on XXXX XXXX, I filed a dispute with this bureau about the unverified account : XXXX, XXXXAccount # : XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I recently looked at my credit reports and noticed that XXXX/XXXX XXXX XXXX .... reported negative marks 30 DAYS LATE on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 
According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance.
Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
In short, I never received such a warning notice!
I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve

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 2020-03-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
TD Bank 's policies are putting customers at increased risk of Coronavirus. Further, they are giving conflicting information on credit card application statuses. Both are unacceptable. TD Bank requested additional information on my credit card application for their Cash+ card. I called in and they said that I needed to appear in-person in the branch with ID within 45 days and my card would be approved ( I would encourage you to listen to the call I believe it is on XX/XX/XXXX ). That was fine. I found it concerning when after that call I received a letter telling me that my application was fully declined due to an inability to verify my application ( even though I'm an existing customer ). When I called, I was again told that I needed to go into the branch but was told that my application STILL MAY NOT BE APPROVED, AS OPPOSED TO THE FIRST AGENT THAT TOLD ME IT WOULD BE APPROVED. At a time when we are social distancing for Coronavirus, if my application will be declined anyway, TD Bank should not be making me go into their bank. Further, they should not be giving me conflicting information. To make matters worse, the supervisor I spoke with on XX/XX/XXXX insinuated that I was lying about being told the card would be approved saying the other agent never told me that. This is defamatory and incorrect, I would again encourage you to listen to the last call. " America 's Most Convenient Bank '' seems to have long hours but no respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently pulled my annual credit reports and I noticed that an account ( XXXX 's XXXX ) is listed as an adverse account because of XX/XX/XXXX late payments. The late payments are for XX/XX/XXXX and XX/XX/XXXX with the remaining payments being paid in full starting XX/XX/XXXX. I believe this is quite disingenuous for TransUnion to claim that this account is " adverse '' when it 's been paid in full for over the last XXXX years. I know this has had a negative impact on my score and believe this should be corrected immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am at my wit 's end with disputing with the bureaus. I have already made complaints regarding the fact that the bureaus DELETED accounts that I was only asking for verification on the late payments and they will not put them back when it was their error. There were also XXXX accounts that I disputed in error and they removed them ; when I asked for them to re-add them they stated that they would not and will not add information given by 3rd parities. I sent them the proof that it was on my file in the first place and they still will not add them back to my file. I also have XXXX derogatory accounts remaining on my file that they continue to say are " verified '' when I know that they are not. Not only that, but they have failed to provide documentation legally verifying those XXXX accounts as required under sections 1681, 609 and 61a5Ai.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: FIDELITY CAPITAL HOLDINGS, INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a lawsuit against my landlord, I moved out due to the harrassment and was told to do so by my lawyer, I then found that the brokerage company claimed I owed money and reported it on my credit, I was never informed that I owed anything in writing, I paid rent up until I moved I do not owe anything, if I do I would like proof something in writing and I would like to see the charges and what they are for exactly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Trying to send money to XXXX account. But td bank does n't not recognize them and can not send money with them by account number and routing number. XXXX is fdic insured for XXXX how can TD bank not recognize them?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Collection Bureau of America Ltd.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX SOLD MMY ACCOUNT THAT WAS LISTED ON THE FTC I.D . THEFT REPORT FROM XXXX IN VIOLATION OF THE DODD-FRANK ACT-XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal limited my account last XX/XX/XXXX. They said that they found out that I were receiving payments for unapproved gambling-related services through the website XXXX. I tried to explained to them that my account has been hacked and someone used it to illegal activities. I tried to call them and email them this past month explaining my side but my appeal turn into deaf ear.. Now that I got back my Paypal account to the hacker. Changing password and changing the phone number so that It will not hack again. I would like to use it again because this is where my boss send my monthly salary and this is where my clients is sending their payments. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX of this year, I filed a claim for stolen funds off of my " Vanilla '' card and I proceeded to send them a written copy ( provided by them ) of details for how much was taken, etc. I am still waiting for resolution to this matter! I have emailed them about the status of the case, and received no reply except for one stating they couldn't find my account info! Ugh! I immediately wrote back and told them I made copies of EVERYTHING so it shouldn't have taken this long to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX added an account to my credit file with Trans union on XX/XX/XXXX which caused a drop in my credit score. This same account was removed from my file on XX/XX/XXXX under the name ( XXXX XXXX ) then reinserted between XX/XX/XXXX and XX/XX/XXXX. 
The account was then removed for a second time XX/XX/XXXX. I am asking that this account be investigated thoroughly and be permanently removed from all XXXX credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23
Company: Student Services
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I was contacted by Student Services ( XXXX XXXX, CA XXXX XXXX www.StudentServices.help, back in XX/XX/XXXX. They were telling me that if I started making payments to them instead of XXXX, that they would continue to make payments on behalf of me and I would be a part of a program that essentially lets me make payments based on my income for 10 years, and after that, anything that 's left over, gets written off. It seemed sort of suspicious to me at the time, but I was doing okay financially and continued making payments to XXXX and Student Services with the thought that I would pay down my principal. After about two years of making payments, I became " unqualified '' because I no longer have an income, so I stopped making payments to Student Services and continued with XXXX ... after some time, I thought I better make sure that these payments I made, actually went towards my XXXX. It turns out the funds were never applied. I 've been in contact with a gentlemen at Student Services who is willing to give me a partial credit of {$1700.00} but not the full amount I paid overtime ( {$3500.00} ). I have a history of e-mails from these people, I have contact with someone still, and I have additional records. I would like to get everything I paid them returned and I would like them to be noticed as a fraudulent company. So my problem is not with Government loans, but a company pretending to work with the Government and stealing money from college graduates just trying to pay back their student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed