BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-19
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/19 I got an alert from my XXXX credit card that I had a delinquent account reported from XXXX. Upon checking, I saw that my credit score decreased from XXXX to XXXX. The credit report stated that Nordstrom reported my Nordstrom  credit card as delinquent for an {$84.00} balance. I was very shocked because I had set up an automatic payment on the due date, so I reasoned this was a mistake. 

On the same day, I called Nordstrom and asked them to report my account as current because I had set up payment for the due date of XX/XX/2019. They said the payment was returned to me but couldn't tell me why. I said I had no idea that my payment was returned, that I never got any statement or letter to notify me of the returned payment. If I received it, I surely would've paid on time because it was just {$84.00} and I have a very good credit score and history. I felt it was a violation of UDAAP, ( unfair, deceptive, act and practice ) because I never got a letter beforehand for the return, and after 60 days the account was reported delinquent. It is very unlikely I was trying to cheat the bill. Nordstrom ended up telling me to file a dispute with the credit agencies. I also paid the {$84.00} balance on the phone just so that my account would show as current again. 

Later I wrote a dispute to XXXX and XXXX explaining my situation and attached supporting documents that I had set up payment to pay on the due date, but the payment was returned to me. I explained that I never received a statement and letter and to report my credit as current as I had intended to pay it. Both credit agencies returned a decision back to me saying that my credit score was unchanged and therefore the credit file would still say my Nordstrom card was previously delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
INQUIRES NOT AUTHRIZED XXXX XXXX XXXX  -XX/XX/XXXX XXXX/XXXX XXXX XXXX -  XX/XX/XXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX

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 2023-02-23
Company: EQUIFAX, INC.
State: PA
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 declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC Also Known As : XXXX, XXXX, XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX  XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Bread Financial Holdings, Inc.
State: TX
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 was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX and XX/XX/XXXX ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Upon receiving my credit report, Ive discovered the following addresses are STILL listed incorrectly on my credit file. The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Upon receiving my credit report, Ive discovered the following addresses are STILL listed incorrectly on my credit file. The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

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 2023-01-04
Company: EQUIFAX, INC.
State: GA
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:
I am filing this complaint because the Credit Reporting agencies are inaccurately reporting outdated and or wrong information on my credit profile. I have mailed to the agencies my correct and accurate personal info to be displayed on my credit profiles. I will attach the letters I sent to each bureau. Please erase and remove ALL OUTDATED AND INCORRECT personal information from my credit and update with the correct information. I will have attached the info that should be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: CA
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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts : XXXX XXXX Balance : {$7.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$580.00} This is my follow-up complaint to ensure the investigation of the listed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sometime in XXXX our PMI should have automatically terminated in accordance with the law ( principal balance below 78 % ). I contacted Citizens and Citizens told me that I would have to make a request for the PMI to be terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022, a payment from Social Security XXXX of {$750.00} and {$87.00} from the state was suppose to be deposited into my chime account. After a day or so, I reached out to Chime. They claim the never received the payment. I contacted Social Security and they provided me with the tracing number. That tracing number showed that the money was put into my Chime account and that Chime was withholding my funds and refusing to release it to me. I reached out several times or so the next 30 days and got absolutely no where. They even sent me an email saying that they could not trace were my money went to. Still to this day, I still have not received my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX Credit card account opened XX/XX/XXXX is owned by XXXX XXXX XXXXXXXX XXXX XXXX, XXXX FL XXXX ; Phone XXXX The account has been paid on time with no late payments. 

On XX/XX/XXXX I applied for a credit limit increase from {$100.00} to {$1000.00}. At the time of the request and currently my credit is in the good standing, and my salary and credit history are good. 

However, the increase was denied. When I asked why, I was told it was based on information in my file- my credit score. I asked for a copy of the denial letter with the referenced credit score. I received a copy of the letter via email and in the mail. It was an old letter dated XX/XX/XXXX which referenced an old credit score from XX/XX/XXXX. Transunion was referenced as the consumer reporting agency. 

On XX/XX/XXXX I called the company again to try to get the old information updated in my file. I spoke to a representative at the number listed above ( same in letter ) and asked why the company is using outdated credit reports and scores to deny credit increases. It was a waste of time. He refused to assist and kept repeating " decisions are based on soft inquiries and credit reports in your file. '' When I asked what is the date of the soft inquiries and credit reports in my file, he kept repeating " its what's in your file and we don't have any control over it. It's automated. '' I countered multiple times saying " if the information is incorrect or automated who can fix it? '' He offered no resolutions and would not help so I asked to be referred to a manager or department who could assist. He said he needed to place me on hold and it would take a while for someone to assist. I was placed on hold for several minutes but no one ever picked up the line nor did he update me on status. 

I am seriously contemplating closing the account since it appears the company does not seem to care about the concerns of loyal customers. Any help provided would be appreciated.

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 2023-01-15
Company: National Credit Adjusters, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the biggest scam in the credit world. 
Legally there is no contractual obligation to pay an unknown debt, as they have not engaged with me in any contract, nor services or goods exchanged. Its called extortion. No debt collector can legally " validate '' any debt as they have no original signed contract with me, nor proof they have a signed, written agreement with me for an exchange of services or goods. 

Fraudulently post to my credit report, in an attempt to extort money from me. They illegally furnished data. ( illegal, as they have no written, signed agreement from me directly along with proof of my identity that allows them to access or furnish information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Block, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/22 I responded to a XXXX ad offering to sell a concert ticket which would be transferred virtually. The seller agreed to the exchange requested a Cashapp payment via craigslist email. 

I made a payment of {$50.00} via Cashapp, which came out of my XXXX debit card issued by my bank, XXXX XXXX XXXX. Cashapp sent the payment to the seller, " XXXX XXXX '' who accepted the payment. 

After being ignored by the seller and not receiving my ticket ( instant virtual delivery via email ) I submitted the issue to Cashapp, who says that they will look into it and get back to me by XX/XX/XXXX. I see no other way to contact them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I bought a new car XX/XX/XXXX after the usual back and forth a deal was made where no down payment was to be made, I went to take care of the paperwork with the finance manager, on the paperwork was listed {$500.00} down payment I was ready to get up and walk away from tthe deal but the finance manager assured me no money was required from me that it was on the paperwork for the finance company only. I was n't sure this was proper But the finance managers exact words were am I asking you for any money? And further he said no is asking you for any money now. Now I have worked as a car salesman before and know if money is to be payed at a later date a promissory note must be signed. Since I was not a asked to sign one I thought it was ok. On the Monday after the sale the salesman calls me to ask where 's my down payment I advised I signed no promissory note and was told I was not going to have to pay it. After that I heard nothing until this collection letter came. They are trying to pull a fast one on me and will not get away with it. I will file a lawsuit against XXXX and XXXX XXXX if this is n't stopped now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Midwest Recovery Systems
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I saw this derogatory claim from Midwest Recovery Systems for a payday loan that i never took out on ( XXXX XXXX, 2016 ) XXXX claims is {$820.00} ; but Midwest doesnt have a original amount of the said debt or a contact number from the original creditor. 
After doing several research have found out its a scam. However they want me to pay them to delete it. I simply told them that if they didnt remove this from my credit i would be suing them for violation of the FCRA and i would be filing a complaint with the Police and i got hung up on. I want this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Gatestone & Co. International Inc.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Gatestone Collection agency called my friend and my adult daughter and disclosed they were calling to collect a debt from me. They told them to have me contact them at XXXX ext XXXX about my debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: ALLY FINANCIAL INC.
State: TX
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:
Went to finance a new car and ended up with XXXX hard inquiries.

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 2017-09-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed an Identity theft report with the FTC after I discovered a couple of accounts, an addrersse and several inqueries on my report due to fraud. I have alerted the credit bureau however they did not investigate or remove all of the fraudulent inqueries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: NETWORK CAPITAL FUNDING CORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX - We closed on our cash out refinance FHA loan. 

XXXX Our 3 day right to recession ended. 

XXXX - Our loan was supposed to fund and monies wired to our account. 

XXXX - Was told by lender they can not fund the loan because we don't actually qualify for an FHA loan. Underwriter thought Florida was a " Dry Signature '' state therefore, underwriting was not completed until after we signed our closing documents. When I told them that Florida is a " Wet Signature '' state and that " Dry Signature '' is not allowed in Florida I was asked " WHEN DID THAT HAPPEN. '' I was then told that the compliance officer 's MATRIX shows that Florida is a " Dry Signature '' state therefore, we are going to be treated as such. 

XXXX They are " trying '' to fund our loan but not sure if they can because they can't make the numbers work. Everyone is pointing the finger at each other. I am being asked by management why i'm brining his and the loan officers name into it that it's underwriting 's fault.

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 2016-09-28
Company: Paypal Holdings, Inc
State: MN
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2016 I initiated a transfer of {$270.00} from my bank account to my PayPal account. When I check to see if the funds are available, the details of the transaction states that the transferred money will be available in my PayPal balance on XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and the funds are not available in my PayPal balance. The funds should have been available at XXXX on the XXXX. The transfer is an ACH transfer, the funds cleared my bank on XXXX XXXX, 2016. All PayPal says is that the transaction is an ACH transaction and can take 3 to 5 business days to show up in my account balance. That money has cleared my account and has been transferred to PayPal. PayPal is holding my money in their bank account and refusing to credit the funds to my account in a timely manner. By delaying the crediting of funds transferred from customers ' bank accounts to customers ' PayPal accounts, the company is using my money and getting interest on my money during the 3 to 5 business days that the money is floating in their bank account. Multiply this situation by the likely tens or even hundreds of XXXX such transfers every day and the amount of money PayPal is skimming off such transfers is enormous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: HYUNDAI CAPITAL AMERICA
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 information incorrect

Complaint:
Late charges only are being reported to my credit. No payments, only late charges. The late charges also should not have been assessed. In good faith, I returned an extension agreement in XXXX2016 that Kia Motor Finance refuses to accept. It was received by mail after it expired. They refused to fax or email it to me so that I could return it in a timely manner. This was also after I had paid a fee for the extension. I do n't know where those funds went. In addition, they were asked to not make dialer calls to my cell, only manual. They changed my cell to a work number after a few months and continued to call me on a dialer. When asked to mark both mine and my husband 's work numbers as do not call, they refused to do his without speaking with him. I should be able to identify a do not call number whether it is mine or my husband 's.

Company response to consumer: Closed with explanation