BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: TD BANK US HOLDING COMPANY
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:
I paid my TD Bank XXXX card from my XXXX XXXX Checking account via an electronic check on XX/XX/20 BILL PAY TD BANK NA ON-LINE for {$790.00}. The amount was deducted from my checking account that day. Two weeks later I received a past due notice and contacted TD Bank by phone. They indicated they never received it. I contacted XXXX XXXX said it was accepted by TD Bank. It was determined after three weeks of phone calls that the credit card number reference number to pay the account did not match my credit card number. So XXXX XXXX on a three-way conference call with TD Bank and myself gave TD Bank the information to locate the payment. After that I received a letter from TD Bank asking for a copy of the check. I called them again and told them it was an electronic check from a bank. Unbelievable ... Since then I have been on 9 more calls to TD Bank and XXXX XXXX plus two more three-way calls where XXXX XXXX provided the payment information to TD Bank by FAX while we were on the call. Today I was contacted by a credit collector from TD Bank for non-payment after I explained my story AGAIN the TD representative asked if I could hold. I said yes and after waiting about 20 minutes I was disconnected and no one bothered to call me back. The rep said her name was XXXX or XXXX XXXX. I am a new TD Bank customer and they have been a nightmare to deal with and every time I call and have to recant my story then they tell me they never received the information from XXXX XXXX. What incompetence. The {$790.00} was deducted from my account on XX/XX/20 for a bill due on XX/XX/20 and I am still being harassed by TD Bank for payment they received four months ago. They actually owe me money back as I over-payed. I can't deal with this anymore. Please contact my son XXXX XXXX. He has durable power of attorney over my finances and he will be handling this matter moving forward. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
Company: Mercedes Benz Financial Services
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently looked at my consumer report on XXXX, XXXX, and XXXX. I seen that a Mercedes-Benz financial has been reporting missing months of payments. These multiple missing months of payments almost look as if they were late payments or payments that were never there. I reached out to Mercedes-Benz financial and asked them to correct this information on my consumer reports they told me that it seems to be showing correctly on our end, and that you would have to reach out to experience XXXX and XXXX, but upon reaching out to experience, which did a dispute, they werent able to get the correct information. Theyre still reporting it incorrect as well as XXXX is reporting the incorrect as well as XXXX has been reporting it incorrect. They need to update the way that theyre reporting it via metro to compliance. They are violating metro compliance either they corrected or remove it from my consumer reports completely. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.

15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting.

15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15USC 1681a ( d ) ( 2/A ) i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information... The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I asked XXXX Mercedes-Benz , correct the payments that are missing from my consumer reports. Which are XX/XX/2023 XX/XX/2023 XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Tower Loan of Mississippi, Inc.
State: MS
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:
unknown inquiries on my credit report without my knowledge or consent XX/XX/2019

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 2023-10-12
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XX/XX/XXXX I received a package of documents from Resurgent via LVNV Funding LLC for an alleged XXXX XXXX XXXX from XXXX. The bill has both my first and last name hugely misspelled and I never had an account with XXXX. 

My name is XXXX XXXX XXXX and the letter and debt are in the name of XXXX XXXX. Not me or my correct name. 

I called and communicated that the debt is either error or fraud and then continued to pressure me to pay the debt. The alleged debt alone is over XXXX XXXX XXXX. 

The date of the alleged debt is XX/XX/XXXX The amount is {$310.00} with an interest of {$420.00} for a total of {$730.00} I also looked online and LVNV Funding LLC is notorious for these fraudulent attempts to collect on debts. 

If I owed this alleged debt I would've learned of it far earlier than XXXX  years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have insisted that WellFargo keep my personal and small business assets separate for legal purposes, as recommended by my accountant and attorney. WellsFargo has consistently mingled access to those accounts against my expressed wishes. 

When I attempt to make a personal transaction, they routinely pull up the business and vice versa. This is online and in the branches. I have told them my business debit card should only access my business accounts and vice versa. My personal mobile phone should only access personal accounts automatically, and the same for my business phone. 

I tried to make multiple payments from my small business account on XXXX XX/XX/2023, but received a message that I had to contact them. After nearly XXXX hour, the only information I could receive was that the number on the account is not valid because it is not a U S based mobile number and not accepting texts. My office number is XXXX and accepts texts. We receive and make multiple text messages daily from that number. No one really knew anything or could help. This was not a problem days ago. 

If I can not pay my bills, including to WellFargo, I can not operate my business properly. I mentioned to them that larger businesses do not provide the personal mobile contact information to them. This is a problem of their making and needed correction. 

An LLC is a legal entity that protects the personal assets of the owners, unless they co-mingle assets. WellsFargo forces mixing of these assets to harm the small business owner by forcing the business owner to bypass those protections. If they want me to call in or have some passcode or something that is fine, but to randomly, arbitrarily, and capriciously block my access to my accounts, after 3 years is not tolerable. 

Had I not been paying weeks early, I could have been forced to default on my rent, business credit cards and lines of credit with suppliers closed, and I would have been forced to default on my line of XXXX with WellsFargo.

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 2019-08-28
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i recently checked my credit report and discovered that this company has placed this item on my credit. I have never done business with this company nor have they provided me with any services or goods. I was never notified that I owe a debt with this company therefore my rights were violated. I want this company to produce the documents with my signature indicating that I agreed to pay for services or goods and it they are not able to do so I demand that they remove the items immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2021-01-13
Company: Chime Financial Inc
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX my account was closed with Chime with XXXX balance remaining in my saving account due to suspicious activities they say I have sent copy of my social security card birth certificate copy of my identification and proof of my income still havent received my money back I been trying to get my money back still havent received nothing so I am turning to you for help this issue resolved and get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
XXXX prepaid XXXX will not send a verification code to verify my phone number that is already on file. No one at there office will answer the phone. I was on hold for over an hour. 
And was then disconnected

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 2019-04-22
Company: CITIBANK, N.A.
State: IL
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:
On XX/XX/2018, a charge of {$1600.00} was made on my Home Depot Credit card. The charge was made at a XXXX, Illinois Home Depot. I did not make nor authorize this charge. I called to report it and Home Depot immediately removed the charge, issued a new card, and closed the old account. I thought issue resolved. well, 2 month later I get a letter from Home Depot Security Services stating their " investigation '' revealed no proof of fraud, and I am responsible for the charge. They put the {$1600.00} back on my new account. I called, and was told they see no evidence of fraud, and I must prove I did not make the purchase. I asked how can I prove I did not make the purchase other than tell you I did not make it. I asked what evidence they have of me making the purchase. Me on video at the store on XX/XX/XXXX, verification of my identity for such a large purchase, a signature for the purchase. I was told they have none of those things, as they can not view video of the purchase without a police report. This makes no sense, as they must have video, and it is their video, so they can not review it???? 
I filed a complaint with the FTC, and have requested once again, in writing that Home Depot remove this charge from my account 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 monetary relief
Consumer complaint received 2023-10-10
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have reported that they needed to lower my interest to XXXX  % due to the fact that I was on a XXXX. They have refused XXXX times to reduce the interest even though I am currently on XXXX. I started my XXXX on XXXX XX/XX/XXXX and will end on XXXX XX/XX/XXXX. I started with them on XXXX XX/XX/XXXX and informed them in XX/XX/XXXX. They informed me in XX/XX/XXXX that they would not lower it. I tried XXXX more times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans were transferred from Great Lakes to Nelnet. I attended XXXX different universities with a few years off in between. My loans were not split on my account, but somehow they ended up with different due dates. I was only given one amount as my monthly bill and it showed on my payment schedule with that amount. I set up autopay for my monthly billed amount, which matched what was shown on my payment schedule. A few days after my authorized payment, they withdrew a second payment of a different amount. I did not set up this second autopay and never authorized the transaction. I couldn't find where that amount was coming from. Also, the payments were not allocated according to the choice I have set up. Additional payments are instead also going to the loan I have with the lowest interest rate. I called Nelnet on XX/XX/20 and waited on hold for XXXX minutes. The XXXX I spoke to was not able to tell why I didn't see my bills correctly. She put me on hold again and told me she was escalating the question to the technology team. She believed there was an issue in my permissions to see my account and suggested requesting a re-release of information so I could see both. She then put me on hold again. When she came back on the line, she instead suggested she merge my bills into one due. She never answered the question about how they withdrew money without authorization or why the allocation was wrong. The payment schedule still has not been resolved, but she did say it might take a few days. I understand that technical issues can happen and appreciate that she took the time to find the issue and suggest a resolution, but I am unhappy that they ignored the deeper issues I had about the financial aspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX  {$160.00} open XX/XX/2019 FRAUD REMOVE XXXX XXXX {$0.00} FRAUD REMOVE XXXX/XXXX  {$960.00} FRAUD REMOVE XXXX XXXX {$1000.00} FRAUD REMOVE

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 2021-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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 WROTE IN A DISPUTE TO UP DATE MY FILE XX/XX/2020 DUE TO LATE PAYMENT I WAS UNAWARE I ASK THEM TO REMOVE IT THEY SRNT NO PROOF OF IT AND REFUSE TO REMOVE LATE PAYMENT ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, the following companies have violated my rights : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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.

Furthermore, the FCRA requires furnishers to investigate consumer disputes filed with the credit reporting agencies about the information the furnishers provided.

Section Sec. 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I have contacted TransUnion multiple times in regards to these unverified, inaccurate, and erroneous accounts, but they have refused to fix these errors.

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 2023-11-22
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received an offer from American Express for a pre approval I applied for the card and it was declined. When I checked the reason it was an error page with no explanation. Also when I was logged on I noticed 3 previous applications that were declined. From XX/XX/2023 to present. I recognize 2 of the applications in XX/XX/2023 and XX/XX/2023. The others were not authorized by me. The offers were deceptive and misleading when it applies to good credit and your score. My score is over XXXX with Good credit .When I read one email from them without the error. It stated that my denial was because I had collections and inquiries and it didnt make since because at that time that was not correct. And the rep I spoke to completely Bias and I was XXXX to get a denial by her tone with me telling me people like me dont get approved often only middle aged white individuals and that I have audacity inquiring about a card with there company when I was sent the offer. 
The unprofessionalism was real and she hung up on me when I asked to speak to her supervisor and would not give me her name,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: CORELOGIC INC
State: KY
Product: Credit reporting 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 fair reporting act CREDCO has violated my rights. 
- 15 USC 1681 section 602 states i have the right to privacy.

- 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

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 2023-06-15
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I bank with Chime. As of XX/XX/XXXX, I was a victim of housing fraud by XXXX XXXX that banks with Chime as well. I needed documentation proving that XXXX transactions were sent directly to him on the chime pay anyone method, including his full name on the documents bc I can not use a bank statement bc his full first and last name has to be included to provide to the detective to show proof of funds being sent. Chime bank will not assist me with recouping the money. Also, bc I live in Georgia my detective can not actively request documents due to the fact that the bank has a law against it bc they are out of California. 


Transaction Dates and amounts are : XX/XX/XXXX {$1000.00} and {$90.00} XXXX XXXX {$100.00} and XX/XX/XXXX {$75.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting 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 was on vacation in XXXX on XX/XX/XXXX from XX/XX/XXXX, all these inquiries are made in America. I don't recognize these inquiries.

Company response to consumer: Closed with explanation