BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
It all started with a XXXX  I had sent that was denied for security purposes on Tuesday, XX/XX/XXXX. I contacted XXXX support and was told on XX/XX/2023 that my {$2200.00} payment made on XX/XX/XXXX had been returned to my bank account. It also shows in my bank account before any transactions occurred afterwards. I have proof of all of this. 
I was confused why i couldnt withdrawal money from ATM. I have a second checking account ( an account that just showed up one day. No idea how ). Both are connected to same debit card. So i tried to withdrawal from 2nd account, assuming i must have selected wrong account. So i tried XXXX and it went through. So i proceeded to withdrawal {$400.00} more. Next thing I know, checking account 2 is negative XXXX plus i got hit with a bunch of overdrafts. At the same time, im getting hit with overdrafts in account # XXXX after US Bank cleared my debits before my {$2200.00} deposit/refund from XXXX. While I'm trying to resolve those fees and figure out my finances and how to get by and feed my kids with hundreds of dollars in overdrafts hurting me, I had to take payday advances until I got paid. I contact us bank multiple times, still with no help. Nobody seems to understand my explanation of events or they say I'm not eligible for overdrafts being waived. Then my paycheck is direct deposited and I make some purchases and withdrawals that day. As well as pay back cash advances and fees, only to have my bank account # XXXX emptied that same day to take care of negative balance in bank account # XXXX that I never even wanted and had been confused with. Which put bank account # XXXX BACK in the negative causing fee and more panic and desperation for money for myself and kids to survive. Also trying to pay back loans I've had to make to get by. That caused even more extra financial hurt to me. US Bank has sent me into financial crisis I can't seem to get out of. 
To make matters worse, the same day they emptied my account, they reversed a debit card dispute I had made months ago for no valid reason. I explained how it was fraudulent. That somebody accessed my XXXX  at my boyfriends house while I was asleep.

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 2018-05-11
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
its Ditech.com that is perpetually SO IMPOSSIBLE TO access to log into my account is like breaking into XXXX  for two years, once in a lifetime u get into the home page, clicking the log into my account gave you Error page. i spent tons of money calling from overseas n the answer they gave u is " dont use iphones, and when i said i did not n they came up with other excuses like we can get on fine, it must be your network!!. i have complained n send them emails n they got back with a do not reply email that simply condescended you with someone will be in contact ... .3-5working days, WHAT THE HECK??

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Commonwealth Financial has been reporting on my credit for over 8 years- each time its a different amount different medical debt that Is not mine. I will disputes this and then random may they will take it off my credit and put it back on my credit in either the same debt that was taken off or they will report anuther amount for another company- I have repeatedly disputed this-and they continue to add debt to my credit.

Sending me bills with unknown account numbers-and now the representative that is the contact on the bottom of bill-has the name of my son-which is not common last name- and now could be identity theft.

Statue of Limitations is valid and this company is breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: TD BANK US HOLDING COMPANY
State: CT
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:
There were a number of fraudulent charges made on the card. TD Bank Fraud division recognized several as fraudulent and reversed those charges as well as cancelling the card and issuing another. The Fraud Dept representative advised they would look into the remaining dispute charges. All undisputed charges were paid in full. I memorialized all conversations in a follow-up writing to TD Bank.

I received a letter from the Fraud Dept. telling me all disputed charges were reversed.The next TD Bank statement included the disputed charges with interest and fees. I called the Fraud Dept. and was told to ignore that billing as all were resolved in my favor. Meanwhile I received a notice from one credit reporting agency that my credit rating had been significantly down-graded due to the TD Bank dispute.

I wrote TD Bank several letter throughout this period as well as phone calls. The letters were ignored and monthly statement continued to accrue interest and penalties. On one occasion, the fraud department ( in a phone call ) agreed to drop all suspicious charges but one ( 1 ) and agreed to re-investigate this last remaining disputed charge. That was three months age. No results on the follow-up but the statements continue unabated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-26
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a paycheck for the amount of {$1500.00} via mobila deposit on Friday, XX/XX/XXXX. This deposit was placed on a partial hold without any notification to me until I called them on Friday, XX/XX/XXXX. I was informed of the partial hold during that phone call to a local Chase branch since there is no national not-automated customer support, and was told this was a temporary hold, {$200.00} of the deposit was made available, and the hold will be released on XX/XX/XXXX at the latest. It is my understanding that Chase is required to inform me when a hold has been put in place on a deposited item, and I received no such communication and the amount is well below the usual hold threshold of {$10000.00}. No reason was given for the partial hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Samuel Whitaker & Associates LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Samuel Whitaker Associates called me numerous times, supposedly collecting for an XXXX account that no longer shows on my credit report. They threatened me with legal action ; that they would come to my home or work with a summons. Supervisor cursed at me over the phone, demanding that I agree to automatic payments from my bank account. She hung up on me. I called back, but they would not answer.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 2017-11-26
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX XXXX added {$5600.00} to my bill as a capitalized interest charge. On XX/XX/XXXX another {$500.00} was added for capitalized interest. I received no notification when these charges were added to my bill and only discovered them both in XX/XX/XXXX. I reviewed the reasons why capital interest may be charged and realized that none of them applied to me. I called to ask why I was charged a total of {$6100.00} and was told that it was because they did not receive my repayment plan recertification in time. I told them that I did recertify on time and even got correspondence from them telling me that they received my recertification form within the time frame allotted. I was then told that my initial request was incomplete because their link to the IRS was down ; this prevented them from reviewing my income verification. I am not at fault for a link being down. I should not be charged over {$6000.00} dollars for their technical difficulty. 
Every time I call I get misinformation. On XX/XX/XXXX I asked XXXX ( employee ID # XXXX ) to dispute the charge. I have not received any information from that request. 

On a separate issue, I qualify for PSLF as a XXXX XXXX employee and have been submitting requests for over a year to have my qualifying payments updated. I have never received feedback from any of the requests. Every time I call about this I am told that they will submit a new request and to wait 30 to 90 days to receive feedback. I am repeatedly told that delay must be because XXXX is still waiting for information from my previous lender, XXXX, to add my qualifying payments. I have been working as a civil service employee for 6 years. 

The misinformation is a HUGE issue. Please train call center staff to simply respond " I do n't know, let me find out for you/transfer you to someone who can give you that information '' rather than just making something up. 
For example, I was recently told, when asking for a breakdown of 1 of 2 consolidated loans I have with them, that the loan was not the consolidated loan that I thought it was, and that it had only recently been disbursed to the school I am currently attending. Fortunately, I have experienced a plethora of misinformation from XXXX representatives so I knew to ask to be transferred to a supervisor instead panicking and calling my school to find out where this large sum of money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My old XXXX lease account was closed. 
This new lease account is not under my name

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 2023-08-23
Company: Experian Information Solutions Inc.
State: AL
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 submitting this complaint to address the fraudulent accounts that the Credit Bureaus have inaccurately reported on my credit file. In my efforts to rectify this situation, I have researched the necessary steps to remove these false accounts from my credit report. It came to my attention that I must contact the Federal Trade Commission ( FTC ) or visit https : //www.ftc.gov to file a report. Additionally, as per the FCRA Section 605b, Credit Reporting Agencies are mandated to eliminate and block any accounts that are listed in an identity theft report I have attached the relevant documents to facilitate the process of rectifying this erroneous information that has been posted on my credit report. Enclosed, you will find the list of accounts that do not belong to me or were opened without my consent : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ), Credit Reporting Agencies are required to promptly block any information in the consumer 's file that the consumer identifies as stemming from fraudulent activity, within four business days of receipt of such information.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: NY
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:
My credit report is showing late payments to XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX 's customer service representative.

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 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-10
Company: ROBINHOOD MARKETS INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My crypto withdrawals have been blocked on Robinhood with no warning. I supplied the verification ( which Ive already done twice within the past XXXX weeks ) and now its saying XXXX business days for review and approval. 

I received no email or notification from Robinhood stating that my account is blocked or any service is restricted. I was able to seamlessly deposit and buy crypto, but suddenly my withdrawals are stopped. This is extremely unethical - first my entire account was blocked conveniently while a deposit into the account was pending, now XXXX cant withdraw my crypto. It seems like this company is taking every opportunity to scam me out of my funds. 

XXXX XXXX on the phone informed me theres nothing she can do to speed up or expedite the process after a XXXX minute hold. 

Robinhood needs to unlock my withdrawals immediately and assure me this wont happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 a CFPB complaint was placed against Experian Credit Reporting Agency. It is now XX/XX/2023, 41 days later, and the company has not responded but has not removed the disputed information. No additional information was sent by me the consumer to warrant and 15 day extension.

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 2023-07-10
Company: Southern Auto Finance Co
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This is just getting old at this point. Experian is once again reporting improper information on my credit report that continues to drag my credit down but has yet to report credit payments made consistently on a {$22000.00} car that is {$9000.00} away from being paid off. They also still have not added that I have credit with XXXX XXXX XXXX and have paid off hundreds of dollars worth of equipment. But, once again they've managed to make another inaccurate claim that I owe XXXX wireless over {$1000.00}. THIS IS NOT TRUE and I have the paperwork to prove all of it. This collection activity was handled via XXXX who was the holder of the debt. This should have never made it to my credit report at all as settlement WAS ACHIEVED!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-07-10
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XX/XX/2022 To whom it may concern : I have read through my credit report provided by you and can't seem to make sense of this data you reported. I need your help and would appreciate expedited investigation on this. 

This alleged debt collection has been removed off of my XXXX report and therefore should be removed from my Experian credit report immediately. 


Account name : XXXX XXXX XXXX XXXX Account number : XXXX Send me an updated credit report showing these changes.

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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