BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
As per your respond to my complaint for the above mention dispute cas number, Eperian states that the item was deleted from my credit report. However see attachment, the item is still showing up on my credit report dated XXXX/XXXX/16 that i receive from experian.

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 2015-06-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several accounts and inquiries that are not mine on this credit report that need to be removed or blocked i have listed most of them on my credit report and i have a notarized id theft affidavit with the information on them as well along with addresses and name aliases that were never mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have had issues with TD Bank credit card and bank account services since opening in XX/XX/XXXX. I have already closed my bank accounts. I have made several attempts to close my credit card. There are excessive hold times. On my 4th attempt, I got through to a representative and provided all details to close my credit card ending XXXX and expiration XX/XX/XXXX. The representative provided the required disclosure information verbally and advised she was closing the account. The call was placed on XX/XX/XXXX at XXXX. As of today, XX/XX/XXXX, the account is still open with an available balance of {$10000.00}. It was supposed to be closed immediately. I am requesting CFPB send notification to TD Bank requesting account closure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I went to a XXXX to have XXXX work done. They set an appointment for me, sent a notification reminder, when I arrived I was told since I had n't paid the {$2400.00} " The doctor ca n't see you. I now know this amount was far was way to high for the treatments I 'd received. I was overcharged and previously had paid over {$400.00} in advance. I 'd requested they file with my insurance, they refused even though they had previously filed for payments, for which they also overcharged. 
I am a XXXX XXXX unemployed veteran, living with friends, so I 'm homeless. I had XXXX since the XXXX had completely XXXX. I suffer from XXXX that causes headaches and I was left virtually with non-functioning from XXXX, in pain and unable to bite normally. They 're failure to complete the work, left me decades for 2 years. I am on a fixed income and am a XXXX over XXXX. 
I became so desperate a friend sent me another dentist, who corrected this XXXX poor quality and incomplete work. The charge was nearly XXXX % less with the new XXXX, who did bill my insurance and took payments as this dentist originally indicated she would. 
The dentist that did n't do the service or provide goods ( my XXXX that function appropriately ) billed me for over {$2400.00}, has a collection agency harassing me to pay for goods and/or services I never received and reported the fraudulent amount of {$3000.00} to all major credit bureaus. Now their collection agency harasses me and say they would ruin my credit report. These harassing calls were recorded. Now they have, in fact reported these erroneous fraudulent charges and they are on my credit report with all XXXX major credit reporting agency.

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 2016-01-30
Company: Nationwide Debt Management Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Constant calls to cellular phone. 
Constant calls to my employer sharing personal information. 
Old debt which was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Jacobs, Marsh LLC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I submitted a complaint to CFPB on XXXX/XXXX/2015 about Jacobs Marsh LLC repeatedly contacted myself concerning a debt owed that is not mine. Case number : XXXX. 
The company responded to my complaint on XXXX/XXXX/2015 by stating : " we have removed all active numbers that are associated with XXXX XXXX 's phone number. " This Company has not removed all active numbers that are associated with my phone number as stated as I am still receiving calls from Jacobs Marsh LLC so I am summitting again the same complaint. 
I have their number on my caller id with dates and times with the last one received XXXX XXXX, 2015 from : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX # xxxxxxxxxxxx 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 # xxxxxxxxxxxx XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # 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, has violated my XXXX. 15 U.S.C 1681 section 602 A States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2018-06-02
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a loan with PHH Mortgage. They mailed me the XXXX statement and I paid on XXXX, which is today and the due date. But I suddenly got an mail this afternoon from XXXXXXXX XXXX stating my loan was transferred to XXXX with the same due date of XXXX. Both PHH and XXXX didn't give me any notice until today 's mail from XXXX. I logged into my PHH mortgage online account and can not find any information about the loan transfer and the only information I got from my PHH online account was my XXXX balance was still due on XX/XX/2018. I really got confused with which loaner I should pay in such situation as I didn't get the notice from either of them in time. I was shocked by their bad communications with clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I review my credit report and I saw IC systems listed I contacted IC systems and was told they were placed on my credit from a previous bill with XXXX I went ahead and set up the date on Monday, XX/XX/XXXX I contacted IC systems in a attempt to receive documentation that I previously owed the debt I was informed by them that I needed to contact I XXXX so I contacted XXXX customer service I was informed they could not email me anything however I could go into my local Xfinity store and receive up to 12 months worth of statements I proceeded to the store on Monday and I was advised that they have a new system and they can not give me any documentation showing my previous Debt due to the debt been from XX/XX/2015 the customer service employees informed me in the store that I would need to contact IC systems to get documentation of the previous debt owed I have been given the runaround and I am only asking for proof that I did in fact old XXXX for services that was rendered back in 2015.

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 2021-04-21
Company: JPMORGAN CHASE & CO.
State: TX
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:
XX/XX/2021 I contacted XXXX  on XX/XX/2021 and attempted to a purchase a product call credit monitoring service. I spoke to the representative and explained to him that I wanted to purchase the product for {$19.00}. The representative requested my banking information. I provided my JP Morgan Banking information. He stated it did not go through. He then placed me on hold. He returned and attempted to charged my card again. He stated again that it did not go through. The call disconnected. I call back and spoke with a different representative. He also attempted to charge my card for {$19.00}. it did not go through. I then checked my account and saw that XXXX  had placed 22 pending holds on my card for one failed purchase for {$19.00}. My problem is Chase Bank never attempted to warn me that the merchant was placing multiple hold charges on my account in such a short period of time. On XX/XX/2021 I am requesting that JP Morgan Chase Bank Immediately upon receipt of this complaint release back into my available balance the 22 pending unauthorized holds totaling {$430.00}. I have bills that, that money was budgeted to pay. I have tried several times to reason with the banking representatives at Chase bank. I had no idea that the Merchant was placing 22 pending holds on my account for one authorized charge or purchase for {$19.00}. Chase bank never alerted or warned me of the additional multiple pending charges. I am requesting that Chase Bank Temporarily release all 22 pending holds back into my account while they investigate this claim, so i can get on with my life. This is financially hurting my life and my needs for providing my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: PNC Bank N.A.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Removed the ability that used to exist to link personal bank account to XXXX. I have no way to send money to people who don't use XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I made a deposit into my XXXX XXXX XXXX account using my Discover credit card in the amount of {$1000.00}. I had placed a sports wager on the XXXX XXXX winning the XXXX XXXX on XXXX XXXX by XXXX points. On XX/XX/2021 it was announced that the XXXX XXXX quarterback, XXXX XXXX had COVID 19 and would not be playing in the Sunday XXXX XXXX, 2021 Football Game. I immediately contacted XXXX XXXX by XXXX XXXX and asked that they cancel my wager and refund my money due to the extenuating circumstances. They simply ignored my request and the XXXX XXXX XXXX ended in a tie XXXX to XXXX in XXXX. I filed a dispute with my Discover credit card Company who stated that a {$1000.00} provisional credit would be applied to my account ( Case # XXXX ) Its a month later and still no {$1000.00} refund to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had an account with att and was not aware of a debt being owed until I tried to contact them to become customer, They then said I had a debt. We haggled and they were supposed to have deleted this debt. from my credit report, but it still shows on credit report as owed.

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 2020-06-15
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
On XXXX received a call from the Cash store manager my pymt was due. I paid via Debit card on the phone. The payment of {$230.00} didn't process because of an error on the store computer. The manager asked for the card # a second time and I suggested since the first one didn't go thru take out {$260.00} because I always pay more than the amt due. On XXXX I checked my bank acct on line and two payments were pending, so I called The Cash Store and informed the Manager of the mistake. She called the regional manager and informed me when the transactions POST to bring in the transaction history/stmt.. The payments posted on XXXX and I took the copy from my bank showing the name of the bank and the last four digits of the bank acct to their store. I was told if I brought that info in I would be reimbursed in cash @ the store and could put the money back in my acct. The employee faxed or emailed the copy to the Regional Manager on Saturday who works out of her home and I was told to check back Monday XXXX. This morning when I called the employee said the regional manager hadn't gotten back to her. 
It is now after XXXX XXXX CST and every time I call-still waiting for the Regional manager. These two amts were over {$200.00} each and I have other bills pending I need to pay for this month. I never received a RECEIPT via emailed as requested by me. I only have one payment left on the contract and it is due in XXXX. I can not afford for them to keep the extra money this month. I AM NEVER LATE AND PAY MORE THAN THE AMT DUE. I AM A GOOD CUSTOMER and should not be treated like a second -class citizen. If they are going to reverse the payment of XXXX, they should let me know something or if I get the cash I can put it back in the acct myself. I THINK WHAT THEY DID TO ME IS HEARTLESS AND CRUEL! I will eat bread and water before I do business with them again. I am a retired XXXX Citizen on a fixed income and they are ignoring me. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Navient sent a letter to my grandparents to try to get them to have me contact them. I have submitted a request to have my student loans forgiven through FSA due to fraud from the college ( XXXX XXXX I attended and that is pending a decision. I will not contact Navient until I know if my loan has been forgiven or not. 

My grandparents are not in good health and my grandfather is now worried Im financially unwell due to the letter from Navient. He does not have much more time to live and now hes concerned for my well being in his final days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card
Issue: Privacy

Complaint:
XX/XX/XXXX, Synchrony Bank/JCP called our home landline since I was n't able to make a payment on my card that was due on XX/XX/XXXX. My husband answered the phone. The person he spoke with gave him my JCP credit card account information without my permission even if he knows that he is not a joint or authorized user of my credit card. As far as I know, it is unfair business practice and that they are not allowed to give my credit card information to my husband. And that they violated my privacy. They also collected a payment from him on my behalf without my knowledge. Whenever I called customer service, I have to authenticate myself on the automated system before I can get information. And I have to authenticate myself again to the agent that I 'm talking to before they can give me information to make sure that I am the account owner. What if the person who answer the phone is just pretending to be my husband, then my information got compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Trying a slightly different approach. 

NOTE OLD INFORMATION ON REPORTS! 
THIS DOES NOT NEED TO BE FURTHER INVESTIGATED. THE CREDITOR VERIFIED DATE 100 TIMES. IT SIMPLY NEEDS TO BE REMOVED! STUDENT LOANS WERE TAKEN OUT NEARLY 14YRS AGO WITH 36 MONTH TERMS. NO PAYMENTS MADE. THE CREDITORS FAILED TO REPORT FOR 7YRS AND WOULD HAVE COME OFF THEN BUT THEN STARTED TO REPORT MISSED PAYMENTS AFTER 7YRS. I DON'T KNOW IF THIS CONFUSED THEM BUT THESE OLD NEGATIVE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY. 
THE NEGATIVE IMPACT HAS AFFECTED MY LIFE, ABILITY TO APPLY FOR CREDIT AND GET CERTAIN JOBS! 

NOTE TO CFPB KEEP TRACK IF THEIR RESPONSE IS GENERIC AND DOES NOT ADDRESS ISSUE. THEY ALWAYS RESPOND THE SAME WAY SAYING THEY WILL INVESTIGATE BUT THE ISSUE IS NOT AN INVESTIGATION ISSUE.

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 2017-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Hi Recently i have received my credit report and there 's an address i have never lived in. 
the address is : XXXX , NV 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 non-monetary relief
Consumer complaint received 2022-07-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Equifax Reporting systems, are purposely dropping my scores because of the complaints that I have filed against them. Yesterday XX/XX/2022, nothing changed on my report before I filed the complaint, and they dropped my score XXXX points, that took me to a XXXX. I am XXXX years of age never owned a home, was in the process of applying and my score was hit very badly. I am not even in the running to apply now. I was at XXXX  with some XXXX collections and once they were remove over a year ago, my score went down as low as XXXX  and never rose again. The credit reporting agencies are destroying my life, they have me severely stressed and they have all the control and refuses to do the right thing. They started taking my score even lower once I filed the complaint against them. They didn't move old addresses, they didn't move a medical collection that I presented how they violated my HIPPA rights by exposing my medical records without a HIPPA release, but instead of them deleting the company they sought out a credit card that was the same before I filed the complaint, and said that's the reason for the XXXX  point total drop.They never sent me the actual person that they spoke to or communicated with, they just stated verified. How is this even so? I don't know what else to do, but to keep filing a complaint until they correct all the wrongs that they are causing on my reports. I have no been late on any of my accounts. thank you for all and any assistance that you can give me. These companies needs to be reprimanded for all the wrong that they are doing. They are seeking out certain XXXX and taking them down to a level where they can not accomplish anything. I have to say this but its all true. Please investigate them for this, please make them supply my reports. Again, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
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: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.

Company response to consumer: Closed with explanation