BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: TD BANK US HOLDING COMPANY
State: NY
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:
In XX/XX/XXXX I purchased a treadmill through XXXX. However after 3 failed delivery attempts I decided to cancel the order in XX/XX/XXXX. I never received the treadmill/had it in my possession. XXXX failed to notify TD BANK that this occurred, as a result I have a balance due and have been reported to the credit bureau. This is affecting my credit score negatively, hindering me from purchasing a car that I so desperately need at the moment ( I recently totaled my car with my newborn ). I filed a dispute the first week of XX/XX/XXXX with all 3 credit bureaus. TD Bank recently submitted their conclusion after their investigation, they are still reporting that I have a balance due. TD Bank failed to notify me of this balance, nor have they corresponded with me during this dispute. They claim they've emailed me, yet each time I call they said I opted out of email, or maybe its an I.T problem. Ive been in contact with XXXX. They claim they have processed a credit back to TD Bank since XX/XX/XXXX and TD Bank should have it. TD Bank says they don't see anything from XXXX. I have spoken to both companies everyday for the last few weeks and it seems they are not communicating in order to rectify the problem. TD Bank also falsely claimed that I reported this as fraud. I immediately emailed their fraud dept, resolutions team and have gotten no reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05
Company: BYL Collection Services
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to re-open my claim # XXXX that you closed without resolution, since BYL Collections ' response was both late and insufficient. I requested itemized bills from the creditors showing the services provided and name and address of the specific providers, and received a shady printout with no company name whatsoever and none of the information I had requested. I received this well after 30 days from my request. Please advise if this can be re-opened at your earliest convenience. I 'd like a written response via e-mail to XXXXXXXXXXXX by XXXX XXXX, 2018. I do hope you 're able to finally resolve this, but if not my next step will be legal action. Thank you for your time. 

Sincerely, XXXX XXXX ( nee XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2020-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX falsified an agreement on a recorded line stating that I had agreed to pay a certain amount on a debt. After I said no and said I never had agreed to anything, the representative helping me said i did. I then told her I was reporting the false claim and accusations of me and that I knew my rights. She quickly then retracted what she said and could not give me a straight response. The call happened on XX/XX/XXXX at XXXX XXXX  on a recorded line. The falsified agreement has been disputed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
a formal complaint that you are reporting inaccurate and incomplete credit information NOTHING RETURNED IN 30 DAY OF TWO TRIES

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 2022-04-12
Company: General Motors Financial Company, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called GM Financial again. After i requested to speak to XXXX or a XXXX the XXXX and i got into an argument and began talking over each other. She told me when I can act like an grown woman I can call back and she hung up after i waited XXXX minutes to get to her. I am calling back and have been on hold again for XXXX minutes. 

She seems to feel she can take any tone or making any comments to me that she wants and then hang up. I am already being screwed over by GM Financial, there's no need to disrespect me also

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Experian Information Solutions Inc.
State: FL
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:
This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX credit report on XX/XX/2019. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.

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 2016-10-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I 've dispute XXXX aka XXXX for years and they have ruined my life for years when the account is not right. I try to submit the letter where it should be removed and they say the file is too big. They do everything they can to harm individuals. Additionally, they report an extra address that 's not mine and refuse to remove it. I live at XXXX XXXX XXXX XXXX XXXX XXXX, they have a second address as XXXX XXXX XXXX XXXX XXXX XXXX that 's a typo and all these extra, incorrect addresses hurt my report, yet they do n't care one bit. I 'm a single mom and they 've destroyed my credit for years claiming they investigated, yet your records will show every time I actually investigate myself, it 's removed. I 'm a single mom and this has been my nightmare. This company does n't care.

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 2016-05-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an inquiries with XXXX XXXX on my report that I never applied for. I already fill up an Identity Thief documents and send to all XXXX credits bureau. I need this inquriries to be removed from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
To whom it may concern, I have tried several of times to get manners escalated directly with Paypal. My account was closed and terminated at XX/XX/2022 Stating that I have Been in violation of PayPal use of services and policy. However this is incorrect and I have not violated any of PayPal 's use of service. I have about {$28000.00} in my PayPal account that is also on hold for 180 days which is unlawful as well as a violation. I am demanding for my account to be reopen and for my funds to be released within five business days of receiving this complaint or I will move forward with filing a litigation against PayPal. A client of mine attended a free event where I gave out numerous of resources on how to create passive income to becoming a first time home owner. The client after four days of attending the event she decided to book a consultation with me and got confused if I provided credit repair services. She was not able to do the phone consultation because we stated to her that we were not able to help her with credit repair services because we do not offer that. She file dispute to open the case For a refund and decided that it was in her error But when she called PayPal to close the case, she state they refuse to do so immediately! After PayPal decided to hold my funds and close out my account. My client and I have tried numerous of times to get in contact with Paypal in regards to this issue but they have failed to get matters escalator or to acknowledge our concerns. She simply book a personal coaching call in needed a few guidance, however the money is still on hold. I refuse to be bullied from using my Federal protected consumer rights with Paypal code business and ethics. To hold my funds for 180 days is misusing their fraud and banking model. Behaving ethically And responsible means Doing the right things in all situations, This hardly seems compatible with people being out of business and their money. The Paypal website is replete with stories of person 's put out of business due to by Paypal 's actions. Many small business have great difficulty due to having their funds frozen. ( Pay- Pal community web ). I will attach proof of the conversation between me and my client trying to get a payment released and case closed. My business also has a five star ratings on XXXX and nothing on my website advertises that we offer credit repair services or sell any type of insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am filling this report because today XX/XX/2020 I found out about two accounts and several credit inquiries on my credit report that do not belong to me. I was denied from refinancing my car and thats how I found out about all of these items on my credit that do not belong to me. I did not open those accounts nor did I make those credit inquiries. I did not allow anyone to open those accounts in my name nor did I give those companies permission to run my credit. I do not have any written/verbal contract with any of the companies listed on this report nor did I benefit anything from these accounts and inquiries such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts. I have filed a police report regarding this unauthorized accounts and inquiries that should not be on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2023-04-15
Company: CITIBANK, N.A.
State: AR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a citi bank savings account using a {$450.00} bank bonus offer that was targeted to me on XX/XX/XXXX and made a deposit of XXXX within 20 days by XX/XX/XXXX as per the conditions of the offer. Per the conditions of the offer, I kept XXXX in the account for 60 days which ends on XX/XX/XXXX. Per the conditions, I should have received {$450.00} bonus by XX/XX/XXXX. I contacted the customer care after XX/XX/XXXX and they told me that I have completed all the conditions of the offer and should be getting the bonus. He raised a ticket for it as well. When I contacted them again in a weeks time, i was told that the savings account i opened was not eligible for the offer. This seems to be some kind of scam to fraud customers with the bonus. I used the link provided by the bank on my app to open the account. How can my account is not eligible?

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 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized :  Creditor : XXXX Inquiry Date :XX/XX/2020

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 2018-01-05
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
checked my credit report and noticed a debt collection from XXXX by Bureau Name CONVERGENT I contacted Convergent on X/X/18 and notified them that this was not my debt. The name for the debt collection is XXXX XXXX and I told them that that is not me but they refused to acknlodge that fact regardless of what I said.

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 2016-09-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I was contacted by a Wells Fargo debt collector regarding status of a loan of which I did not have information on. I requested info of which the caller was unable to provide me with I received a letter on XXXX XXXX, 2016 from the Executive Office stating I would be mailed more info by XXXX XXXX, 2016. It is now XXXX XXXX and I have not received any info.

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 2022-04-12
Company: FISERV INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt collection I have no clue about or where it has come from. I have never done any business with this company, they are threatening to put this on my credit report. I dont believe its fair & it is illegal. I want it removed from all credit bureaus as a soon as possible if I guys can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After reviewing my credit profile I noticed several inaccuracies. Not only is my name wrong but also the addresses on my profile. This is aiding to potential 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 non-monetary relief