BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: TD BANK US HOLDING COMPANY
State: VA
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:
TD Bank violated law when they closed my credit card account while I was actively disputing billing errors on the account. They closed the account on or around XX/XX/2023 without any prior notification and in violation of TILA. 
They failed to respond to the disputes sent but continued to report the erroneous, unverified, inaccurate, false and misleading information to consumer reporting agencies. They also failed to conduct a reasonable investigation and provide documentary evidence of any investigation regarding the billing errors. 
They are negatively impacting my consumer reports by their unfair and deceptive business practices. I want the CFPB to ensure TD Bank does not violate my federally protected consumer rights. I want TD Bank to resolve this matter by crediting the closed account balance as paid in full, issuing a new credit card with a {$11000.00} limit and to delete and discharge the closed account from all consumer reporting agencies databases. 
TD Bank also breached the credit card agreement at the onset by failing to provide accurate information regarding the arbitration clause in the agreement. The XXXX is no longer allowing TD Bank to use their services and TD Bank failed to provide the agreement detailing the correct arbitration process. 
If they do not amicably resolve this matter I will file a US District court complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
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: Account information incorrect

Complaint:
XXXX has been contacted by mail on XXXX XXXX that they are incorrectly reporting the balance on the XXXX XXXX. In addition, they are failing to report payments made on the account. The information supports that the agreement to pay {$9100.00} would be accepted to settle the debt. They agreed to this amount on XX/XX/XXXX. The payments to date have been on XXXX XXXX for {$260.00}, XX/XX/XXXX for {$260.00}, XX/XX/XXXX for XXXX, and {$260.00} XX/XX/XXXX. 
XXXX is reporting the full balance as a charge off for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The payments have been reflected on the full amount of the balance which was agreed to settle for $ XXXX payments of $ XXXX {$1000.00} which leaves a balance to be paid based on the agreement of {$8100.00}. 
XXXX reports the amount due of {$14000.00} which reflects payments to reduce the balance from the amount that XXXX arbitrarily decided to report on as I am following the rules of the settlement agreement with XXXX. When I discussed the matter with XXXX the agreement would state the balance due of {$9100.00} with the payments being made. The account would be reported as closed versus a derrogative against me each months for making the agreed upon payment. XXXX is making this decision to hurt me regardless of their agreement to settle the account. 
I am demanding the XXXX honor the agreement and report accurate and honest information to all the credit bureaus. The letters sent to me do not respond to the information attached to this complaint and can be viewed as incorrect on the XXXX credit bureaus.

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 2022-10-22
Company: Experian Information Solutions 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:
I discovered 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 corrected : XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX  XXXX Balance : {$0.00}

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 2021-09-02
Company: Quality Asset Recovery LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that QUALITY ASSET RECOVERY would verify the debt. So I took it upon myself to ask QUALITY ASSET RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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 2023-04-24
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/23 @ XXXX XXXX {$1900.00} was fraudulently taken/ stolen by a man impersonating an XXXX customer service agent. He said his name was XXXX XXXX and his extension was XXXX phone number is XXXX. I contacted XXXX they said that they didnt have an employee with that name or extension. I immediately contacted chime because I had two step verification and I should have gotten a text message from chime asking me if I authorized this and I didnt. Its like the money vanished except it didnt. I checked my email and I have an XXXX this email said my chime card had been added to a XXXX wallet the man who called me had a very distinct accent hes from the XXXX XXXX like XXXX or something. Chime took my complaint said that they would credit the money back into my account while pending investigation and then they sent an email saying that it was authorized and they arent crediting it back to me. I have disputed made disputes with chime bank XXXX XXXX Ive called a detective and made a police report and I have called the FBI cyber crimes department as well, I feel chime is the culprit and they are taking there customers money. Then they had an attorney email offering to help represent me and get my money back but I already XXXX and this is what chime does when people get there taxes they get have had some kind of call where they lost all there money and chime refers an attorney to them and once they win the attorney takes your money. This is XXXX. This isnt just happening to me its happening to a lot of people who have chime. Thats all the money I had in the world I was saving to get me and my son a nicer place to live and I have to get it back. 

This happened nearly 3 weeks ago and I have stayed on top of it every single day of the week. No one has helped me whatsoever. Chime said that they cant do anything and to contact the merchant??? I did try that he didnt answer my calls but I do have a recording on my phone of my childs father calling him baiting him to do the exact same thing to him. So why has nobody called this guy and pretended to have an XXXX dispute with their chime card??? If they had contacted him and actually investigated then I would have my money back but they havent they are just trying to get more. I wont stop until I get my money back. If they continue to prolong it then I will sue for pain and suffering. I am disgusted and I know he can be caught because hes greedy. So please look into this because I know he has stolen a lot more than the {$1900.00} from me. Ok hes doing this for a living,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have been calling me multiple times a day and from a different number every time. Sometimes they call from what looks like a local phone number, they don't leave messages and when I return the call to see if it's something I should be responding to, I block my phone number and somehow they know it's me. I have disputed this several times over the past 3 years. This debt is not mine and is incorrect. I have written to all 3 credit bureaus, they just keep sending me letters saying that they're verifying the debt which of course they will verify it on their end when they're trying to collect money from people. The deception lies in the fact that they purposely call from different phone # s that look local or even like an area code that I've recently had communication with. Why do they need to hide behind fake phone numbers unless they're illegally contacting me and others? This is absurd. I'm going to report them to every entity possible including the XXXX and the credit bureaus again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I processed a balance transfer from my XXXX credit card to pay off my XXXX XXXX XXXX  credit card. I was charged the funds to my XXXX account but was not credited to my XXXX  XXXX card. I contacted XXXX and verified that the information for the balance transfer was input correctly on their end and with the processor ( XXXX  ) after some research, it appears that both XXXX XXXX XXXX  and Capital One have XXXX XXXX es that start with the number XXXX and they are both in the XXXX XXXX XXXX, CA. When I requested a copy of the cashed balance transfer check from XXXX, it showed it was cashed by Capital One. It showed received on XX/XX/2023 and posted XX/XX/2023. I was told that there have been reports from other XXXX members stating that Capital One is receiving and cashing balance transfer checks for other members who do not have accounts with them, rather than returning the funds. I am now left paying at both institutions instead of saving money with the 0 % balance transfer promotion that I was trying to use. As a result of this, I was also charged a {$29.00} late fee from XXXX XXXX XXXX  because the payment didnt get there when it was supposed to. I am beyond frustrated and need the situation sorted and interest reimbursed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat these reporting account 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 item/account/information below : 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 explanation
Consumer complaint received 2021-02-08
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi, my coinbase account is again restricted with no reason like before, message from coinbase : your account is checking status, can take few minute back later but since 1 week nothing change, coinbase is become a not serious exchange take costumers in hostage. 
Can you help please to fixe again my issue please

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Bank of America credit card did not stop my card from being charged over my XXXX XXXX XXXX specifically put in place to avoid going further in debt. My XXXX limit is {$5000.00}. Bank of America allowed {$7600.00} in charges. How does that make sense. They are taking advantage of me. I can't afford over {$5000.00}. Now what?

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 2022-02-17
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 information incorrect

Complaint:
XX/XX/XXXX To Whom it may Concern : I have just received my credit report and noticed there are several inaccurate items on my report as follows : I request that you remove immediately the following fraudulent inquiries from my credit report : 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX, XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I never authorized any of those inquires and when I requested proof from the creditor, they were unable to provide me with any proof otherwise ; therefore, it is the credit bureaus responsibility to remove them. 

I anticipate your response and an updated copy of my credit report. I have enclosed a copy of my drivers license, social security card, and past credit report showing my current address as proof of identity. 

Sincerely, 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 2017-11-18
Company: EQUIFAX, INC.
State: TX
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:
I received a hard credit hit from XXXX XXXX on Equifax without my knowledge or consent. While attempting to have this repaired or removed Equifax first hung up on me and the second time I called I was told their system was down and to call back at a later time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a XXXX XXXX. At the end of the lease- XX/XX/2019, I returned the vehicle to the Dealership. Now Toyoto Finance is charging me for a left rear tire slashed and the front window broken. The car did not have these issues when I dropped it off with the Dealership. The Finance company sent me a letter dated XX/XX/2019 ( practically two months later ) requesting me to pay {$590.00}. I have been in conversation with them disputing these charges, they dropped it to {$500.00} but said this is a verbal offer only and will not send a new invoice. They continually call me ( I blocked ) their number. I have been in touch with my Salesman and he said to just ignore them. Then I got in touch with the Leasing Mgr. & the Customer Relations Director.  They said an inspector ( not part of their team ), inspects the vehicle for wear & tear. They were concerned why it took them so long to get in touch with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Maximus Education, LLC dba Aidvantage
State: MN
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:
I paid off an existing XXXX XXXX XXXX with Aidvantage. However, the payoff balance they provided to my new lender was too high, resulting in an overpayment of {$210.00} When XXXX full month and statement cycle had passed without a refund of the over-payment or any communication at all from Aidvantage confirming the payoff, I contacted Aidvantage via phone to request the refund. The phone agent said it would be processed and a check sent to me in XXXX days. It has now been XXXX more weeks, and I have not received a refund or any other communication from Aidvantage. 

I have looked again at my online account via Aidvantages online portal. The overpayment is clearly appearing, but there is no communication about refund timing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I had repeatedly contact XXXX XXXX in reference to inaccuracies found at the time on the credit card Transactions, yet they refused to come to an agreement in order to come to a positive outcome. XXXX XXXX then placed the account Into collection and sold the debt to an outside company without my knowledge. the Collection company Calvary SPV I, LLC never attempted to contact me or attempted any type of communication in order too come to an agreement in settling the debt. Now Calvary is suing me and placed me in court proceedings, How is this fair without given me an opportunity to settle the account of any and all inaccuracies. I honestly believed that calvary has violated several federal credit laws in order to keep on not just harassing me but in an attempt to collect illegally funds that do not belong to them. On or about XX/XX/2022, I made contact with Calvary and they refused to provide any information in reference to the inaccuracies on the account. they persisted on verifying the account when in fact they automatically knew my biographical data. as you can see they alleged to have purchased the account yet they have failed to provide the following : XXXX. Copy of the original contract with my signature of the debt, XXXX. Full payment history from the original debtor in this case XXXX XXXX XXXX. Name and address of the XXXX debtor XXXX. Proof that they own or have been assigned the debt to collect. Also I think the account is more than XXXX XXXX XXXX? My credit report does not show any type of debt of the account in question? this is why I'm asking for your assistance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Home Point Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern, My old mortgage company, Home Point Financial, sold my mortgage to another company ( XX/XX/2021 ), XXXX Mortgage, and the change was reflected on my credit report with a XXXX points deduction ( XX/XX/2021 ). 

My understanding is that such behavior should have not impacted my credit. 

XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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  15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2023-04-24
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This company ran a credit inquiry on XX/XX/2023. Neither I nor my wife applied for this credit card. 
XXXX told me to inform the FTC about this. This is a fraudulent inquiry. I believe my identify has been stolen. 

COMENITYCAPITAL/XXXX Inquiry date XXXX XXXX, 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD PERSONAL HARSHIP WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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