BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-08
Company: Phoenix Financial Services LLC
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A few months ago I recieved a collection call from someone who said they were with Phoenix Financial Services. I asked who is the creditor and what are they saying I owe. They told me I had a hospital visit back in XX/XX/2015 to a hospital in XXXX, TN. She still did not give me any specifics behind that. I told the representative, that I had not visited a hospital in XXXX, in XX/XX/2015. I had a visit earlier in the year but my bill was only {$60.00}. I asked the representative what was the dispute process and she told me I would have to talk to the original creditor. When I asked again who the creditor was, she told me she could not divulge that information. So immediately I thought this was a scam because I had not received anything in the mail from this company. The next thing I know, I get an alert saying a collection was added to my credit report. So i logged into my monitoring service and there was the Phoenix company again with a collection for {$760.00}. Still no communications in the mail had been received, i had not received any more phone calls from the company or nothing. Now I have a blemish on my credit with no information and no communication or opportunity to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Atlantic Mortgage and Funding, Inc.
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a XXXX loan XXXX third. Atlantic Mortgage never sent a loan estimate. They collected additional information for the loan XXXX XXXX through the XXXX We paid for appraisal XXXX XXXX Still no loan estimate on the seventh after we asked for it. The loan has been completely processed at this point. Lenders have to provide a LE within 3 days of application. They can not ask for additional info. They can not ask for fees before the LE is given. We ddi not know this at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My loan is currently handled by American Education Services ( AES ). Dealing with them has been pretty hard and cumbersome to experience. They are lax in their workability and are reporting student loans as being in default rather than remaining in contact with its customers ( myself ). I have experienced loss of credit rating and now they wo n't return calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Hi I have account with paypal, also I have XXXX usd in my account And in previous XX/XX/2020 They limited my account and take all money and sent me message that I can withdraw after 180 days, but nothing happened till now and they don't responds to email Also my balance became XXXX Only have this message in my account {$10000.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 


Can u help me to get my money My email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: BYL Collection Services
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I tried to arrange payment and they would not accept them I had to pay I think almost {$500.00} which I did not have at the time and I was not able to fulfill that commitment and then last year they took my state tax which the amount did not go down at all so what do I need to do to settle this?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :

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 2022-03-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'VE REACHED OUT TO THIS COMPANY ABOUT THESE ACCOUNTS REPORTING ON MY FILE. ADVISED THEM THAT IT DIDN'T BELONG TO ME AND i CONTINUE TO DISPUTE AS THIS HAS DISRUPTED MY LIFE. NOW I WILL TAKE DIFFERENT APPROACH WITH THIS AND NOW THESE COMPANIES ACCORDING TO THE FCRA FDCPA THEY ARE IN VIOLATION FOR INACCURATE REPORTING ... .PLEASE SEE ATTACHED PRINT OUT OF MY CREDIT REPORT AND THE VIOLATIONS THAT ARE CIRCLED. THIS IS CONSIDERED AGGRAVATED IDENTITY THEFT

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 2022-10-26
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have repeatedly asked my mortgage company to report my perfect payment history since Ive had this loan ( 2011 ) when it was transferred/boughten by this current company all reporting ceased. Ive never Missed a payment or been late. Im the primary on the loan, however my ex husband is getting all the perfect payments history reported on his report monthly, which is fine ( we are both on the loan ) however I should most certainly be getting the reports of perfect payments since Im The one making them and I own the home.

The last communication with mortgage lender was today and I did as they asked, pulled my 3 bureau report and they are nowhere on that report. 

I Just keep getting the runaround with them.

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 2021-01-16
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 I purchased a Christmas gift for my mother on XXXX in the total amount of {$90.00} including tax. Two days later XXXX contacted me to inform me the seller deleted the listing and took my money. Need less to say I filed a dispute. XXXX closed the case in my favor and gave my checking account full amount for a refund. I spoke with both XXXX and PNC customer service. XXXX told me everything on their end was resolved. I still have yet to receive my funds to my bank account from PNC bank 's end. They offered no help or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: MA
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 was in the process of applying forXX/XX/XXXXand it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain XX/XX/XXXXdue to this inaccurate information showing. I was advised by a legal friend of mine that under XXXX XXXX XXXX XXXX section XXXX ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 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 2018-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have tried to get verification from accounts on all three credit bureaus. i have seen no validation of debts.

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 2017-03-26
Company: TRANSWORLD SYSTEMS INC
State: ME
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX collection agency reported a medical debt in the amount of {$1400.00} to my credit report in late XXXX, I disputed this to XXXX and it was removed from my report, then was re-reported as TSI/XXXX collection agency for the same amount and same original creditor, I disputed again to XXXX in XXXX of XXXX but was not removed, I am currently disputing again and I am still waiting for a resolution. I contacted TSI/XXXX collection agency ( also known as Transworld Systems ) myself, spoke with 5 different people at their agency and no one can find any record of this debt in my name yet it is still being reported to my credit report every month. I even contacted the original creditor listed ( XXXX ) and they also have no record of my ever having a bill with their offices. Not sure how this bill keeps showing up on my credit report when their is NO record of my ever incurring such charges. I want this removed and the collection agency held accountable for this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX XXXX I opened a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX Frequent flier miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. These miles are worth at least {$500.00} in travel. 
After enrolling online with the promotion code, I telephoned Citi in XXXX and received verbal confirmation that the offer was attached to my account and I funded the account on XXXX/XXXX/XXXX. I quickly completed the requirements. 
On approximately XXXX XXXX, XXXX I contacted Citi and spoke to a representative named " XXXX '' who assurred me that I had met all the requirements and the promotioal code was attached to my account. She stated I should see the miles post to my account by XXXX XXXX, XXXX In XXXX I secure messaged Citi and received a reply stating : " Our records confirm you met all the requirements for promotion code XXXX. 
The AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 days from the end of the statement period in which you completed all offer requirements. '' In XXXX I secure messaged Citi again the reply was " After further research we see you used a promotion code when the account was opened, however this promotion code was not sent to you by Citibank, regrettable you were not targeted for this promotion. '' I immediately appealed this citing verbal and written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 

To date there has been no reply. 

Given that Citi representatives confirmed the promotional bonus and its terms with the opening of the account and both verbally and in writing in the ensuing months, Citi must honor the promotion which induced me to open the account. They have defrauded me of at least {$500.00} worth of frequent flier miles

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, Per my last complaint filed on XX/XX/XXXX # XXXX ; I received my re-investigation back from TransUnion. The said that everything is 100 % accurate. I would like to recieve the description according to 15 USC 1681i ( 7 ). Because the list of accounts are not accurate. The open date, the date last active, and date of last payment is NOT 100 % accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). I attached both my most recent consumer report and their response letter dated XX/XX/XXXX ; approximately 4 days after filing my despute.

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 2016-03-03
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX Rental claimed I am responsible for a dent on the rear passenger door. I am not responsible for this damage. It did not happen while the car was rented to me. It says so right on the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
In XX/XX/XXXX I refinanced a equity loan with XXXX paying off HSBC They never filed a affidavit of satisfaction. I have asked them about this and filed the necessary document to get this resolved on XX/XX/XXXX .. I did not know of this till I tried to sellmy property ..they are telling me it will take XXXX too XXXX days to resolve this ..Mean whilethe buyers are becoming inpatient and also the people I am buying from..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Midland Credit Management filed suit in XXXX County, California 30 days after the 4 year statute of limitations expired on a debt. The only way I have been informed of a lawsuit was via a law firm sending a sales letter to my address. 

The debt was 30 days overdue ads of XX/XX/XXXX, suit was filed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been a victim of Identity theft. I've never been to this XXXX XXXX XXXX I need this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
After signing up for an account and, by the admission of TD Bank, meeting all of the *listed* terms of the offer, TD Bank has created requirements not in the original terms and conditions, which I have attached. I have also attached my entire dialogue with TD Bank. They just kept making up different reasons depending on who you asked, which shows lack of familiarity with their own terms : 1 ) They claimed that after signing up for an account in XXXX of XXXX and having direct deposits hit in XXXX of XXXX, that my direct deposits did not occur within 60 days of opening. This is not how the calendar works. 

2 ) They then claimed that because I previously had an account, that I am ineligible for the offer. However, the offer terms clearly state " offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months ''. TD Bank claimed that my prior account was within those 12 months. However, TD Bank has confirmed my prior account from was closed in XXXX of XXXX where the new account was opened in XXXX of XXXX. Again, this is not how the calendar works. 

3 ) Next they tried to say it was in Store only. This was found by me, publically available, online, and the terms even say " available only when opening through a qualifying website. '' - the first sentence of the disclosures. They must be confused here and be looking at the wrong terms. 

4 ) Finally, and perhaps most absurd, is the claim that this violates the term " One bonus per account per Customer and can not be combined with any other offer. '' First, the definition of " combine '' is " to possess in combination '' or " to act together ''. It is impossible to have an account which has been closed for more than a year that used an offer that expire more than a year ago be possessed with or act together with an active account and offer. Second, Td Bank clearly defines the analysis to be on a " per account per customer '' basis - and concedes these are different accounts. 

In my opinion, TD Bank is inexplicably disregarding its very clear terms to the point it almost seems willful, which given the constantly evolving answers that disregard even basic math, feels almost to be a bad faith action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have paid this account off in full and gave submitted A dispute with both XXXX and experian to advise them this account should reflect closed with A XXXX balance however, both companies have failed to update the information. I have attached A letter from the company as proof of XXXX balance and closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have contacted these three companies since XX/XX/2020. I have yet to receive any mail from them in regards to any accounts reporting on my credit report. I have the right as a consumer to have every account on my credit report verified which they have failed to do! 

At this point I am distressed at the lack of response. I have children and am trying to purchase a home and this is really affecting my ability. This is delaying my process. 

I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information therefore needs to be re-investigated.

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