BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: TD BANK US HOLDING COMPANY
State: SD
Product: Credit card or prepaid card
Sub-product: Store credit 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:
TD Retail Card Services Headquarters Attention Head of Department I have been trying very hard to reach someone who will understand my situation with my referenced as several different names including Home Inspiration, TD Bank, Online Account Management, and Renovate. For those of us who appreciate and take advantage of these purchase programs and who have worked tirelessly to make payments on personal debt, this variable reference to this program causes so much confusion especially when not receiving statementsor at least I did not recognize that this was referred to all of these names. 

I did have it noted on my personal calendar the promotion was coming to an end in XXXX of 2023. A personal tragedy made me panic when XXXX was coming to an end that I hadnt heard or seen a notice that this would be ending. I have participated in these programs many times as I would not be able to afford to purchase new furniture otherwise. In speaking with XXXX XXXX they were apologetic that I misunderstood the end date of the promotion as they knew that I had utilized this many times as their customer. XXXX felt strongly that TD Bank would see that I have been a repetitive customer and at a minimum come to some reasonable settlement based on the confusion with reference and not receiving a statement. 

I can not tell you how upset this has made me which is why I can not feel okay that I am being charged with over {$1600.00} of interest because of a misunderstanding. All payments were being made timely/automatically, and I even had gone in several times and tried to make a payment because I wasnt seeing any communication and thought I had missed. It was a very confusing portal and ultimately it did indicate that it was a duplicate payment. 

{$1600.00} could help me pay down plenty of other debt/bills, and if I have to see this go to a futile effort in having someone understand the reason behind my misunderstanding it would be devastating. My intentions were there and I understand that in many cases people might completely ignore and realize that they can not make payments. The minute that I called and found that I had missed this promotion ending I paid the balance of the original loan in full. I was certain that I was not at fault and immediately contacted the appropriate department and the person indicated that if I had reached at least in XXXX they would have been able to accommodate my situation. This is so upsetting because I was sure that the end date was in XXXX. I someone could listen to and understand my situation I can not believe that they wouldnt work with me. I work two jobs and this will set me back so far on my financial situation. 

Please help me out and bring this to the attention of the head of this department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: WELLS FARGO & COMPANY
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/21 I had been talking with a company that I was planning on working for for over 4 days and they sent me an online check for {$4500.00} from XXXX XXXX XXXX XXXX XXXX in order to pay for various hardware and software products I would need for the job. This money would then be sent to their vendor in order to purchase these items. This company had interviewed me and I trusted them for the most part since we had been taking for a while. I deposited the check that day and waited. The following day I checked my WellsFargo account and the check appeared to have cleared, as my balance had gone up by {$4500.00}, giving me the impression that there was no hold up. I then payed the vendor I was instructed to pay, sending them 4 installments of {$1000.00} XXXX through XXXX XXXX. Shortly after this took place, I deposited a second check for {$4500.00} which was placed on hold almost immediately. It was this same day ( XX/XX/21 ) I noticed my balance had dropped by by $ XXXX because of the payments but the check that had originally cleared was now placed on hold as well. At this point I knew I had been scammed but what was most frustrating was the damage it caused. My monthly rent, which I was about to pay, was taken and I received no compensation from Wells Fargo what so ever even after filing two claims of fraud and filing a police report. I was told the claim was denied simply for the fact that it was a wire transfer. Wells Fargo themselves had shown the check as cleared which was the only reason I made the payments in the first place. Ive sent all the conversations and emails I had with the scammer to Wells Fargo claim department but that seemed to do no good either. As both claims were still denied

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 monetary relief
Consumer complaint received 2023-08-26
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a vehicle on/around XX/XX/XXXX after purchasing the vehicle I incurred multiple issues. I took it in for servicing multiple times and some of the issues still exist. After the problem continued I reached out the the dealership and the finance company to return the vehicle back for maintenance issues. The vehicle was returned and sold on/around XX/XX/XXXX. The vehicle was sold from the dealership for over {$14000.00}. On my credit report it shows over {$7000.00} remaining as a unpaid balance which is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions 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:
Experian is currently violating my rights under the Fairs Credit Act. I am a victim of Identity Theft. I disputed a fraudulent account listed on my credit report with EXPERIAN that was NOT made or authorized by me. I filed an official police report with the XXXX Police Department on XXXX XXXX, 2022 ( Report # XXXX ) reporting the fraudulent account XXXX  which I first noticed in XX/XX/ 2022. I also filed an FTC report on XXXX, 2022 reporting the fraudulent account. 
On XX/XX/2022 I received a response from Experian dated XXXX XXXX, 2022. Experian indicated that the fraudulent accounts " XXXX XXXX XXXX '' and " XXXX '' are currently NOT listed on my consumer credit report. However, the account " XXXX '' is still currently listed on my consumer credit report with a balance of {$410.00} ( Account # XXXX. Today after a second dispute with Experian, their results of their reinvestigation of the fraudulent account were The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
They also stated in the notices that We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. However, a copy of my current drivers license, copy of social security card and utility bill was provided to Experian several times. 
EXPERIAN is currently in violation of my rights under the Fairs Credit Act. These violations include ; Reporting inaccurate information on my consumer credit report Failure to comply with section 605b of the FCRA as a result of identity Theft Failure to remove the fraudulent account from my consumer credit report even after providing an official Police Report and FTC Report Failure to conduct a reasonable investigation of the dispute Making false statements to the Florida Attorney Generals office stating that the account is not listed on my consumer credit report Causing financial hardship due to the fraudulent account listed on my credit report Under The Fairs Credit Act, I am entitled to seek actual or statutory damages, recover attorneys fees and court costs and request punitive damages.

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 2022-05-25
Company: Experian Information Solutions 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:
Experian is currently violating my rights under the Fairs Credit Act. I am a victim of Identity Theft. I disputed a fraudulent account listed on my credit report with EXPERIAN that was NOT made or authorized by me. I filed an official police report with the XXXX Police Department on XXXX XXXX, 2022 ( Report # XXXX ) reporting the fraudulent account XXXX  which I first noticed in XX/XX/ 2022. I also filed an FTC report on XXXX, 2022 reporting the fraudulent account. 
On XXXX XXXX, 2022 I received a response from Experian dated XX/XX/ 2022. Experian indicated that the fraudulent accounts " XXXX XXXX XXXX '' and " XXXX '' are currently NOT listed on my consumer credit report. However, the account " XXXX '' is still currently listed on my consumer credit report with a balance of {$410.00} ( Account # XXXX. Today after a second dispute with Experian, their results of their reinvestigation of the fraudulent account were The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
They also stated in the notices that We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. However, a copy of my current drivers license, copy of social security card and utility bill was provided to Experian several times. 
EXPERIAN is currently in violation of my rights under the Fairs Credit Act. These violations include ; Reporting inaccurate information on my consumer credit report Failure to comply with section 605b of the FCRA as a result of identity Theft Failure to remove the fraudulent account from my consumer credit report even after providing an official Police Report and FTC Report Failure to conduct a reasonable investigation of the dispute Making false statements to the Florida Attorney Generals office stating that the account is not listed on my consumer credit report Causing financial hardship due to the fraudulent account listed on my credit report Under The Fairs Credit Act, I am entitled to seek actual or statutory damages, recover attorneys fees and court costs and request punitive damages.

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 2018-08-10
Company: Experian Information Solutions 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:
Experian retaliated againgst me for reporting them. Fraudulently stated I recently reported identity theft which I did not. Multiple disputes used the cover that I reported identity theft to avoid handling my legitimate disputes with XXXX XXXX, XXXX and XXXX. Experian should be investigated today the lowered my credit score 68 points because of XXXX XXXX a company that failed to advised what happen to my return and what they are ruining my credit over. Experian should be fined for manipulating my credit score showing as if XXXX XXXX is a recent legitimate debt. Without showing debt or proof of debt.

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 2023-10-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: KS
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Resurrection of a settled debt filed in the courthouse, XXXX XXXX 2015 by XXXX XXXX XXXX, XXXX Ks, seeking restitution more than 7 years later after their client collected said property, and issued and filed a memo stating the debt was settled in full. Stating in writing more than 7 years later that they made a mistake and now want to re-open the settled account and collect with interest. Double jeopardy, tried to explain in court to the judge, found the settlement papers were missing from the courthouse files and had to get an Attorney to get them to acknowledge that we had the papers in our possession. Still declined that the papers were valid, as XXXX and the XXXX said it was their right to renege on the agreement. Its too much like the XXXX case. It smells of fraud.

Company response to consumer: In progress
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-30
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I sent an insurance claim check to Freedom Mortgage to be endorsed and returned. I have USPS confirmation that they received the check on XX/XX/2023. My check for roughly {$17000.00} has been in limbo with the company ever since. I have called multiple times and each time, they have " sent an email to management. '' I have already paid for some of the repair services, but the mortgage company will not endorse and return my check, as their policy states. We are up-to-date on our loan payments and have never been late. At this point, this is a highly dishonest business practice.

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 2023-10-20
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I had XXXX XXXX on my right eye. All XXXXXXXX XXXX XXXX were paid by my primary insurer XXXX XXXX XXXX & secondary insurer XXXX. On XX/XX/XXXX I had XXXX XXXXXXXX on my left eye ( by same provider ) and all XXXXXXXX XXXX XXXX  were paid by my primary insurer XXXX XXXX XXXX & secondary insurer XXXX with the exception of XXXX  on XX/XX/XXXX. 
I received 3 notices/bills in the amount of {$600.00} for the XXXX  provided on XX/XX/XXXX from XXXX XXXX XXXX XXXX I contacted provider after each bill ( last contacted on XX/XX/XXXX ) advising provider to submit bill to my primary insurer XXXX XXXX XXXX & secondary insurer XXXX. Each time I was told the provider would relay info to the " back office '' and I would not be sent to collection. I received no further contact from XXXX XXXX XXXX. 
On XX/XX/XXXX I received a bill dated XX/XX/XXXX from Guardian Capital Management Hawaii XXXX XXXX XXXX XXXX XXXX for {$600.00} for services provided by XXXX XXXX XXXX referencing Date of Service XX/XX/XXXX. 
This charge is covered on my qualified XXXX beneficiary program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: OH
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:
As I pulled my credit report after having identity theft I notice things on my report that I never applied or have any knowledge of or any open accounts. On XX/XX/2022 I sent out certified mail letters notifying the companys and reporting companies listed with the accounts below which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. But However, I have not received a written response or any response back from the following companies. I have not received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX .... 

XXXX XXXX XXXX XXXX .... 

XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: JPMORGAN CHASE & CO.
State: CA
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:
Purchase was XX/XX/2017 with XXXX XXXX XXXX Invoice states that NEW PARTS are to be installed on the vehicle. Please refer to attached invoice, in the TOP LEFT CORNER it clearly states that New Parts will be installed. I have circled this area in red so it is easier to see. 

Please refer to statement by the Merchant which indicates that they installed parts previously used on another vehicle. I have underlined this portion of their statement in red so it is easier to see. 

Based on these two pieces of documentation, it clearly shows that the Merchant 's description of the item ( What was stated on the invoice ) does not match the merchandise received. 

I am asserting my CLAIMS AND DEFENSES protection, and am within the 1 year deadline to do so. I am disputing the amount of {$1200.00}. The merchant has refused to refund the charges, and I am requesting that Chase dispute the transaction and return my money to me. The merchant is located within 100 miles of me, and I have not paid the amount that I am disputing, so I am well within my rights to assert my claims and defenses protection. 


The response from JP Morgan Chase : " We were unsuccessful because we have nothing to support that the service/merchandise that you received is different than what is on your final sales receipt or invoice. '' is misleading because the Merchant sent them the Statement admitting that they installed USED parts on my vehicle, when I have supplied them with the signed invoice stating that NEW parts were to be installed on my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
I filed a dispute for a transaction, but Amex failed to start an investigate and refund the charge. I used my card on a hotel reservation with confirmation # : XXXX, check-in date : XX/XX/. It was canceled WITHOUT any penalty with cancellation # : XXXX. The merchant told me they ALREADY processed the refund it to AMEX long ago, but the refund never showed up my billing statement at AMEX. I filed disputes with AMEX multiple times, Ref. XXXX and Ref. XXXX. But AMEX just closed my disputes without any explanation.

Company response to consumer: Closed with explanation