BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-10
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
I found a fraudulent charge on my bank statement showing XXXX XXXX with a name I did not recognize. I almost rarely use XXXX XXXX. The only time I ever use XXXX XXXX is to send to XXXX which is a delivery service locally near me. I filed a dispute with my bank and they denied my dispute stating that I need to address it with XXXX XXXX. I researched the so called name next to the XXXX XXXX  name on my statement and it looks like its a fraud account, scamming people online using con XXXX schemes and blackmail promotion. TD Bank is allowing this take place. I kindly asked TD bank multiple times to block any XXXX XXXX  future transactions and they chose not to. I had someone try setting me up on XXXX with money laundering. TD did nothing about basically other than close my XXXX account. I got these nasty criminal hackers targeting me and TD just sits there ignoring it. I'm tired of being the victim. If you search the web, XXXX, XXXX XXXX, blackmail and XXXX XXXX, you'll find all sorts of crimes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-13
Company: BANNER CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This is exploitation of the poor and XXXX with regards to what my bank is doing to me! They deducted a settlement agreement of {$140.00} from my checking account on XX/XX/20 for a debt that was owed to XXXX XXXX XXXX and XXXX XXXX XXXX. The two companies both claimed that they never received the payment. Banner Bank is worse than 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 explanation
Consumer complaint received 2021-05-10
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On or about XX/XX/XXXX, a vendor erroneously processed a charge through a third-party payment processor ( Web Authorized Pmt XXXX  ) in the amount of {$30.00}. This caused a surprise temporary negative balance ( which has now been, separately, reversed, resolved ) on my business checking account and triggered, on or about XX/XX/XXXX, an 'Overdraft Paid Fee, ' in the amount of {$36.00}. To the best of my knowledge, I have not authorized the use of any 'overdraft protection services ' on this account, given the option, nor would I. But, it appears, the default account management is for the bank to automatically opt-in customers to their suite of overdraft 'protection ' products in order to 'pay overdrafts ' so they may charge excessive, rent-seeking fees, such as the one assessed to my account. In this particular case, the fee of {$36.00}, amounted to an incurred cost higher than the item itself ( {$30.00} ) the one it was supposedly paying to cover. Such profiteering fees should be disallowed entirely ; but, the bank should have to be more explicit about the scenarios where these fees may be incurred. They should be required to be much more upfront and transparent about when and how to opt out of these so-called overdraft 'protection ' plans completely. I do not want this or any overdraft to be 'paid ' now or in the future and expect the bank to reject any and all debit and/or drafts that would cause an overdraft to avoid these fees, entirely. Any reasonable person would call these fees excessive.

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 2021-05-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: NM
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 rights. 

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 information is inaccurate.

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 2023-05-07
Company: EQUIFAX, INC.
State: IL
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:
The Credit Bureaus never did a proper investigation according to the FCRA. 

The terms investigative consumer report means a consumer report or portion of there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also they have violated my rights even more In accordance with Fair credit reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active inaccurate and the date last reported is not accurate. This ground for removal. 

They also violated the because according to 15 U.S.C 1681 section 602 A states I have right to privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: CITIBANK, N.A.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX ( XXXX ) open date XX/XX/XXXX reporting Limit {$1500.00} balance owed is {$0.00} reporting late payment, account has been closed XXXX XXXX XXXX- ( XXXX and XXXX ) {$1800.00} credit limit, closed account opened XX/XX/XXXX XXXX. XXXX XXXX- open XX/XX/XXXX XXXX, XXXX and XXXX XXXX balance owed XXXX. XXXX. XXXX XXXX open date XX/XX/XXXX ; Balance owed {$1800.00} ( XXXX XXXX XXXX and XXXX ) XXXX. XXXX XXXX - XXXX {$1200.00}, day opened XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX reporting to XXXX XXXX have disputed these accounts with each creditor. All accounts are stating paid as agreed but showing closed and negatively affecting my credit report showing inaccuracy. I have also asked them to remove all these accounts immediately from my credit report.

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 2023-09-22
Company: EQUIFAX, INC.
State: NY
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 have no idea what that is and I want it removed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Resurgent Capital Services L.P.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX several of my credit accounts became delinquent due to a long illness. My debt with overstock.com was first listed as delinquent in XXXX of XXXX. That debt was bought by XXXX in late XXXX. XXXX is reporting my debt as a new account opened in XXXX of XXXX and are showing it as newly delinquent. This has had far reaching consequences- I am in the thesis phase of my XXXX XXXX and my financial aid has been denied because of the new delinquent debt, as was an application for a mortgage that I was close to closing. I have disputed this with XXXX XXXX who if they only looked at my record would see it is an old debt not new.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have made several calls to Transunion about being able to access my credit report and have not had any luck with them. I removed the fraud alert and block from my credit report and I am still unable to get a report or score. I have done everything that they have asked me to do and I still can not access anything from them

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 2023-06-27
Company: Experian Information Solutions Inc.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account.

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 2023-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023 The bank decided to close my accounts due to suspicious activity on my account, i reached out to capital one for support on a matter that a check was deposited and it was fraud i haven't been working or receiving any direct deposits, i asked the bank to intiate a claim and try to resolve this, all this leading to the bank deciding to close the account for this matter of suspicious activity, now the reason for complaint is that my account was closed and not much information was provided, my IRS direct deposit was set to go in on XX/XX/2023, but the account was closed XX/XX/XXXX, so my question is will you return that deposit to the IRS since the account was closed or will i need to intiate a claim with the IRS of not receiving that refund and make a claim to retrieve funds from Capital One. Please respond accordingly and give me answers, i do try to call customer service and it directs me to a voicemail and wont pass me to a representative after i verify my self in the automated system, which doesnt make sense so i need to know if the IRS direct deposit will be rejected and if the account will remain closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2022, on advice from a friend, I applied to Barclay credit card company. This company was highly recommended. I received a for letter from Barclay in the first week of XX/XX/2022 stating their interest rates and that my card is in the mail. I viewed their interest rates and found them to be excessive. 
On XX/XX/2022, I received the Barclay card and did not activate it ; I destroyed it. In the XX/XX/2022 mailing from Barclay, I noticed a fee for {$15.00}. I then mailed Barclay a notice that I did not activate their card and requested they not contact me again. 
On XX/XX/2022, I received another Barclay letter dated XX/XX/2022 noting that {$15.00} balance on my account. I do not have an account with this credit company. 
I think that Barclays business practice is suspect and would like resolution on this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts : XXXX  XXXX XXXX Balance : {$720.00} XXXX XXXXXXXX Balance : {$130.00} CB INDIGO XXXX Balance : {$320.00} XXXX  XXXX Balance : {$5400.00} XXXX  XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} The aforementioned accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report.

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 2023-01-20
Company: Experian Information Solutions 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, has violated my rights. 
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 information is inaccurate.

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 2023-02-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Suffered water damage in home in XX/XX/XXXX. Insurance company has paid on claim in full. PHH has had the money since XX/XX/XXXX. PHH sent an inspector who conducted final inspection and approved it on XX/XX/XXXX. They were to disburse all funds to me within seven business days of final inspection. Have been in constant contact with them and they keep saying they have to wait for the proceeds and that they are waiting for the " financials to update and clear, '' even though they've had the funds for over three weeks. Have even talked to a " specialist '' there who is no help. They can not give me a date when they will send my money. I need it to pay off my contractor who is threatening to add interest and file a lien. I am XXXX XXXX XXXX and living XXXX XXXX XXXX XXXX. I need MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Block, Inc.
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:
The date was XX/XX/2023 around between XXXX XXXX for the amount of {$120.00}. I contacted the merchant to let them know it was not authorized to cancel and refund. They agreed to do so in 5 days after payment clear. I contact my bank as well the merchant said to speed it up. The bank can verify the transaction was completed. They refused cause company policy does not allow for the phone calls to be provided. I waited and called once more. I was told something different this time. So I contacted the bank they claim its no error and refuse to give an explanation when they bluntly violate regulation E among other state & federal laws. The documentation used was just a screen shot of the transaction and thats all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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:
I found out that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX  Balance : {$26000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date of Service XX/XX/XXXX I had emergency XXXX XXXX performed on XX/XX/XXXX. 
The XXXX XXXX were incorrectly coded with my XXXX XXXX at first. 
This was resolved, but the remaining debt XXXX did not cover was still sent to me incorrectly by XXXX XXXX XXXX. 
XXXX has acknowledged that I no longer owe any debt -- but they have not communicated this properly to the debt collection agency or XXXX XXXX XXXX. My credit was just negatively impacted today ( XX/XX/XXXX ) by over XXXX points due to this error and the subsequent reporting by Credit Systems Inc. 

I had a 3-way call today ( XX/XX/XXXX ) with " XXXX '' from Credit Systems Inc and XXXX XXXX '' from XXXX to address this issue and the XXXX XXXX said he would need until next Monday to resolve this with Credit Systems Inc XXXX 

Credit Systems Inc ( Debt Collector ) ( XXXX ) XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am closing on a home in 5 days and i am unable to obtain a loan from the bank because of negative reported items on my credit report. Based on the 15 U.S. Code 1681 all fradulent & negative reports should be removed from my credit report immediately. There should not be any damages on my credit report that is a defamation of character & i will would for this to be fixed immediately so that i am able to close on my house in 5 days.

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