BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 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 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 2022-08-28
Company: ALLY FINANCIAL INC.
State: VA
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 checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the XXXX Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted Ally Financial who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the Ally Financial inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,

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 2022-05-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2015-06-09
Company: Collection Bureau Services, Inc.
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My husband accrued medical debt after we separated. I have a court filed document in which he stated that our date of separation was prior to his accruing the medical debt. The debt went into collection and the collection company is reporting that it is a joint debt because we were married. The debt was included in the divorce decree as his alone but the collection company is refusing to remove me as a joint owner of the debt. I have disputed it with XXXX and XXXX and they informed me that it is a joint debt. We were not together at time of debt and in his court response to the Petition for Divorce he stated we were separated prior to date he sought out medical treatment. His court response is proof that we were not together at the time the debt was accrued. We were not living in the same state. Therefore the debt is not joint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Experian Information Solutions Inc.
State: NY
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:
On Thursday, XX/XX/20, I applied for preapproval ( # XXXX ) for a car loan from XXXX XXXX. On Friday, XX/XX/20 I received approval at which time I went to XXXX XXXX XXXX and expressed an interest in purchasing a vehicle. I was asked if I was interested in financing, at which time I advised that I had preapproval and showed the salesperson ( XXXX XXXX ) the details on my phone. She advised that they could not find the details and asked for my name, address and social to help them find the record. I expressed concern as I did not understand why this info was needed when I had the preapproval and stated several times that I did not want my report run as I was aware it would have a negative effect on my credit report. I was assured numerous times that there would be no hard inquiries as I already had the approval. I also stated that I needed a clear understanding of what the interest rate would be before finalizing the transaction. The finance manager for the dealer was busy and I was asked to return at XXXX  on Saturday, XX/XX/20. On Saturday morning I found that I had lost my wallet, at which time I called XXXX XXXX that I would not be coming to the appointment. To my surprise I received a notice of a hard inquiry by XXXX XXXX on XX/XX/20 which resulted in 7 point degrade in my FICO. A result of an unauthorized inquiry.

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 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Hi, I am authorizing this complaint on my behalf. I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more that 60 days. I need these accounts deleted immediately.

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 2022-05-23
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Father passed away in XXXX of XXXX. On XXXX XXXX Key bank took monies out of 3 different accounts with no prior notice. 
{$1700.00} out of a fiduciary account for my Dad, putting this account into a negative balance. 
{$91.00} out of a checking account belonging to me with my father 's name also on it. 
{$97.00} out of an account my wife and I hold jointly ( no connection to my father ). 

I immediately went to the XXXX XXXX branch and spoke to the manager. I said I would try to contact the VA to address the issue. 

I reached someone at the VA on XX/XX/XXXX, XXXX told me they had not authorized this and that the last activity on my Dad 's account was the report of his death. 

In the meantime, Key Bank ( because my fathers account was overdrawn by them ) reported my father to a debt collector. I again went to the XXXX XXXX XXXX and spoke to the same manager who told me brusquely, " once it's overdrawn it goes to collections. Nothing we can do. '' My wife is applying for a new job with the government and is concerned this unjustified Debt will affect her ability to get the required security clearance.

Key bank then closed 2 accounts, including the one I had been using as a checking account. This resulted in me having to spend additional monies to order more paper checks. 

The last insult arrived last week in the form of a bill for {$59.00} for a safety deposit box, that was tied to one of the accounts Key closed without authorization. The notice arrived marked Past Due.

Key bank has denigrated my fathers name by sending him to his grave a debtor. Key Bank has taken monies from my family and are now attempting to monetize my fathers death.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have XXXX. I have been in school. This month i get a doctors bill from XXXX 60 days over due. Someone steals my bank card for my bank. Now my credit card keeps going up even though im making the minimum payments. This is sick. This is criminal. My discover card was under XXXX two days ago. Im making no charges on it and now it is over and i think it is to stop me from continuing to publish myself as XXXX. I have the right to do what i want and to fight fir my career. I am not going to be a XXXX or work with XXXX. I am now one class short of a degree in XXXX and i want to be XXXX and XXXX using insurance as an excuse when i was XXXX for fove years is wrong. So is my credit card company and XXXX squeezing me dry. Im not crazy. This bullying is. Im not a loser. I will not be pushed down and told i cant be XXXX. That is what im trained to be. My education is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied and was approved for an XXXX XXXX credit card, but the company failed to honor the solicited promotion. The company offered a bonus membership points reward to new members who spend {$1000.00} or more with in the first 92 days of the membership. Before I applied for the card, I called the company and asked them specifically about how to qualify for the award, and I was told that all I have to do is to make {$1000.00} on my account within the first XXXX days of the membership. The company did not tell me that a transaction on the XXXX day would not be applied to {$1000.00}. Then, I applied for the card online after relying on what the representative told me over the phone. During the first XXXX days, I have made in the total of {$15000.00} on my account which is more than {$1000.00} miminum to qualify for the bonus. Later, I spoke with the representative on a recorded line and she said that a transaction on the 92nd day would not count toward {$1000.00} minimum because that transaction would not be posted on the account on the same day. Therefore, I will not be qualified for bonus membership reward for new customer/card member as originally advertised and solicited. The company did not make it clear in the first place about the transaction on the last offering day. I applied for the card because I wanted to get new customer bonus points. I did everything as the representative said, and I should get the bonus but the company said no because the transaction that I made on the XXXX will not count toward the {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On a pass-thru basis, I recvd an electronic payment on XXXX. Problems followed. A solution was available through PayPal. I recvd the money thru XXXX at XXXX Bank. From PayPal, I sent the money to its intended target But, I made a mistake and attached the wrong bank account at XXXX. My funding source had a XXXX balance. My backup funding source has a very low credit limit by design. PayPal should have declined the transaction. PayPal failed and sent the money. 

PayPal loaned me {$1500.00}. PayPal terminated all other services that I use. PayPal refuses to disclose the terms of this loan. PayPal was wrong to complete the transaction. PayPal knew that no funding source was available- and if they did not know, then all PayPal transactions are unsecured loans with no published terms. 

I demand to know the terms of the {$1500.00} loan that PayPal extended to me without my authorization. I demand that PayPal restore my services. 

I have been treated like a criminal and I do not appreciate it. PayPal personnel have questioned my integrity. Those same personnel threatened me - " we can go into that account any time we want and withdraw funds ''. That threat is on a voice recording if anything PayPal says is, in fact, true.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: DISCOVER BANK
State: MO
Product: Credit card
Issue: Transaction issue

Complaint:
I paid to get a XXXX put in my truck on XXXX XXXX, 2015 by XXXX XXXX in XXXX, Mo. Immediately after I called XXXX to let him know the XXXX did n't work. I brought it back and he said it was n't his problem it was the truck. We just bought the truck so I called the dealer, XXXX, they looked at it and said that it was a faulty XXXX that XXXX installed. My husband called XXXX at XXXX and he said he did n't want to talk to us again nor see the truck again. We filed a dispute with Discover credit card company, in XXXX. Then we took our vehicle to the dealer, XXXX, to have them replace the XXXX so we would have a XXXX that worked. We sent the receipt to Discover along with a letter from the service manager stating the XXXX was the problem. XXXX at XXXX XXXX claimed he did everything right and that he tried contacting us on numerous occasions, which he did AFTER we paid to have the truck repaired. Then Discover found in XXXX XXXX 's favor even after we showed proof that we had to pay someone else to fix what XXXX would not. We are extremely frustrated with the process that was taken and feel that we have been wronged by Discover as well as XXXX XXXX. All we want is our refund for what we paid for the XXXX and our down time for the truck being out of service. We were without the use of our vehicle for several days due to the mishandling and unwillingness to fix the problem the merchant created. I have filed numerous letters with Discover and they say that the issue is resolved. I am out the money I paid XXXX as well as what we paid to the XXXX dealer to fix our truck. Not to mention the vehicle being down and unable to be used do to this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-28
Company: Early Warning Services, LLC
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Using Zelle through XXXX account, {$300.00} was transferred and goods were not received. Person indicated they would email electronic tickets once I sent screenshot. I sent screenshot and they said wait. The time passed and I never received email or transfer. While the transaction was still pending I tried to stop payment and the bank could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: FIRST NATIONAL BANK OF OMAHA
State: MD
Product: Credit card
Issue: Balance transfer

Complaint:
I have a credit card with FNB Omaha, I 'm unable use a service with the card because I 'm using the card. Makes no sense to me. I have n't been late on any payments, I made a cash advance and XXXX transfer. Since that time my account has still been paid on but I 'm being told I ca n't do another balance transfer because I 've used the card more than they think I should have. I 've had the card for nine months. Got XXXX credit limit increases. I would like to be able to use my offer to transfer a balance. I have XXXX pending offers to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Amex put me on a payment plan using ACH withdrawal from my checking account for {$230.00} a month and they have already taken out XXXX 's payment. This morning I got a call from their collections department saying they have no record of that payment plant and that I owed them approx {$2400.00} immediately. The conversation became heated and resulted with me hanging up the phone after they continued to state they had no idea what I was talking about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-12
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hello, I make regular payments to my student loan. The loan was originally made through XXXX, but has since been bought by MOHELA. All payments I make to MOHELA, whether they are over the amount due or in advance of the due date, are applied to interest in their entirety. Not XXXX is applied to the outstanding principal balance. I have attached a statement for reference. 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I had XXXX ( XXXX ) credit cards with HSBC Bank USA that accumulate points for every dollar I spend with my credit cards. The points that I earn accumulate in my account until i used it for purchase of airline ticket or other goods and merchandise, base on the terms and agreement with the credit card company my points never get expired. I currently have XXXX points XXXX card and XXXX on the XXXX card. I received a letter in the mail one day to my surprise the bank close my account and cancel my credit cards. When I call the bank to inquire what the problem was I was told that my business was not profitable since I am a very good customer and I always pay my balance in full the bank is not making money from my business, when I inquire about my points the are saying I lost the points because my account was closed. I am writing to you to help me regain my points since the bank choose to close my account without my consent and did not give me the opportunity to redeem my points which worth a lot to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When I opened my checking account online with HSBC it was advertised that I should get {$50.00} bonus for making a direct deposit to the account. I made direct deposit of {$500.00} on XXXX/XXXX/14, but I have never received {$50.00} direct deposit bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I disputed this debt with equifax because I do not owe anything to Midland Management LLC for a XXXX Account. I complained in XX/XX/XXXX on this site for them taking a check wrote to Asset Acceptance/XXXX and cashing it on this account for XXXX XXXX. They have now reported to equifax that I made a payment on XX/XX/2015 claiming that check was a payment. So no they have committed fraud by cashing a check not wrote to them and they have lied to the XXXX bureaus that report your credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TD Bank is reporting account number XXXX twice as a charge off account to XXXX. On page 23 of the XXXX report dated XX/XX/XXXX it shows account number XXXX, last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off in XX/XX/XXXX with a balance due of {$3300.00}. On page 25 of the XXXX report dated XX/XX/XXXX it shows the same account number XXXX last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off / Sold or Transferred in XX/XX/XXXX with a balance due of {$0.00} NOTE : Page 23 has account number XXXX as being open on XX/XX/XXXX ; Page 25 shows the same account number XXXX as being open 9 days later on XX/XX/XXXX I have contact TD Bank Via Phone on XX/XX/XXXX and on XX/XX/XXXX I have sent them every document they have requested, in both conversations I requested that one of the entries be removed because both entries have the same account number and they are causing double the points to be removed from my credit score, TD  Bank has refused

Company response to consumer: Closed with explanation