BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
In accordance with the Fair Credit Reporting Act, Capital One, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXreditor has violated my rights. 

Under 15 USC 1681 section 602, states I have the right to privacy.

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

Under 15 USCS 1666b, a creditor may not treat a payment on a credit card account open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Company states that I failed to verify my identity and it is false they asked me to mail them a letter with my id and a bill and it was mailed in XXXX and again XX/XX/XXXX. Attached is a copy of the letter and my identity so that they can solve this matter now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: CITIBANK, N.A.
State: IL
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:
On XX/XX/XXXX I called an XXXX number which represented itself as XXXX XXXX gold members number. I book a ticket from XXXX to XXXX XXXX using XXXX XXXX. The agent, XXXX, said the taxes were split into XXXX amounts, due to being XXXX different airlines involved. Later he said that the {$740.00} charge was so ticket could be changed. Mileage award tickets can always be changed without a fee, only tax differences. When I called XXXX a few days later to change my flight, they had no knowledge of the {$740.00} fee. I called the fraudulent agency, XXXX, and on XXXX XXXX told me a credit would be issued. On XX/XX/XXXX he said he would provide a transaction ID for the credit the next day and it would take XXXX credit cycles to post. This never happened. When I called again he wanted me to cancel the dispute with Citicard, which I did not. I went through the dispute process with Citicard, and received notice XX/XX/XXXX that they were denying my dispute. I talked to a supervisor at XXXX on XX/XX/XXXX, explained the problem, she was rude and hung up on me. There are numerous consumer complaints against XXXX, and I think Citibank should have decided that the charge was fraudulent

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 2021-02-09
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:
please validate this information and remove 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 2023-10-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX card account number XXXX balance reporting incorrectly for XXXX for Month of XX/XX/2023. However, balance is currently at a XXXX ( XXXX ) balance

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 2023-10-26
Company: Experian Information Solutions Inc.
State: SC
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:
There were inquiries on my credit report that I did not authorize. I would like them removed within four business 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 explanation
Consumer complaint received 2023-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX it is closed and I would like it removed. XXXX XXXX, XXXX it is closed and I would like it removed. XX/XX/XXXX open on that day but was charged off on XXXX XXXX, XXXX would like it removed. XXXX XXXX open on that day but was charged off on XXXX. XXXX XXXX would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-03
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TD Bank USA/XXXX XXXX : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2020-07-28
Company: INDEPENDENT BANK CORP.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hi! 

I originated a First Time Homebuyer mortgage ( through the One Mortgage Program ) with Rockland Trust in XXXX. In XX/XX/XXXX, I applied to refinance the loan with Rockland Trust. I was ultimately approved and closed on a 20 year fixed rate mortgage refi. However, I didn't find out until the day OF closing that I would be required to hold PMI with the refinanced loan. Under my previous mortgage, PMI wasn't necessary. To my knowledge, none of the paperwork I reviewed prior to closing ( throughout all of the emails, documents, and discussions I had with the bank to complete the refi ) mentioned that I would need PMI. I didn't find out that PMI was necessary until I read it on the paperwork at my lawyer 's office, on the day of closing. I went through with the closing since I was already at the lawyer 's office and all of the paperwork had been complete. I called the mortgage representative at Rockland Trust while I was at the lawyer 's office, but he just apologized and stated it was required. 

It's not a huge sum of money, but it extends the amount of time it will take for me to " break even '' in closing costs for the refi by a few months. I reached out to both the Lender at the bank I was working with, as well as Customer Service through the Online Banking message feature. However, no one has escalated this to a manager at the bank, which I've requested repeatedly. I'm looking to see if,  given the circumstances, the bank would be willing to refund some of the closing fees, to make up for the PMI that I must pay for 3 years. I likely would have waited to refinance the mortgage, had I known that I'd be required to pay PMI. 

Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28
Company: Chime Financial Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am a hard-working, single mother, taking care of XXXX children. I live in XXXX, Ca. On XX/XX/2022, an unauthorized purchase was made in XXXX, Wa, in the amount of {$2500.00}. I contacted Chime to report this transaction as fraud. As I was on the phone with the representative to cancel my card, I received a text from Chime showing another unauthorized purchase was made in XXXX, Wa, in the amount of {$2000.00}. XXXX. I informed the representative that another purchase was made. He proceeds to cancel the card. He explains that I can't submit a dispute on these funds until the amounts settle on my account. He suggests I contact the merchant to see if they can reverse the transaction. I contact the merchant, they were no help. Once the amounts settled, I filed a dispute with Chime for these unauthorized transactions. They initially denied my claim, citing, " card in account holder 's possession ''. I submitted proof of my XXXX, Ca location at time of fraudulent purchases. I've submitted proof of purchases made in my XXXX, Ca neighborhood that were made minutes after the first unauthorized transaction, and minutes before the second unauthorized transaction. I believed they would see my actual purchase and conclude that if I have possession of my card, there's no way my card could be present in another state at the same time.They have denied my claim several times and I have appealed each denial. I've been going back and forth with them for six months now. I've submitted police report, I've submitted my location, I've submitted proof of purchases made in my California neighborhood in between the two fraudulent transactions, I've submitted my account transactions which show I have never made a purchase to this merchant nor in the state of Washington. This last denial, they submitted the purchase from the merchant which shows " card was present and pin was used ''. The same is true of the purchase I made in between the fraudulent transactions. If the card is present for both transactions and there is only one card, why are they not concluding this as fraud? This loss has caused financial turmoil in my life. I need this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I filed Chapter XXXX in XXXX ; Navient was listed on here and was supposed to stop contacting me while I was in repayment. They kept at me and in XXXX told me I had to consolidate my loans or they would go into default. I didn't know what to do so I did what they said not knowing any different. I found out in XXXX that this was a lie and that because I did the consolidation I was not protected from them any more. 

In XXXX I contacted Navient several times to get income based loan repayments set up. They refused to help me and said that because I had no income so they told me they couldn't set up any plan because I didn't have pay stubs so they put me in forbearance. 

Later that year the welfare office helped me find the paperwork to complete for income based repayments. I completed the paperwork and set it to them. I did not hear back from them for months. Finally I got a letter from them telling my I was missing documentation of insurance and they could not process it. I got the documentation again from the department of welfare and sent it to them. 

I didn't hear back from them and I called many times. Every time I called I was pushed around to other people and hung up on. I had no idea what to do. Then in XXXX I get a letter that the Department of Education has my loan and I am in default. 

For the past 4 years I have been taking care of my XXXX son and working when I can. I have tried numerous times to work out a payment plan that works with my income. Navient has not only lied to me ; they have treated me terribly. The department of education who is the new servicer of my loan could care less. So now they sent me a letter telling me that my loan will be offset by my tax return. 

I wanted an income repayment plan that worked with my low income.I am on welfare due to how little I make. I am doing my best here and I have tried to take care of this. My tax return may not be big but that helps with my sons expenses. 

How can I get this fixed? I am desperate here ; I feel that no one cares and I was pushed into a situation that I had no control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions 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 4 hard inquiries on my report that were said to be pre approved offers from Experian and will not be considered hard pulls on my credit report. Upon being declined the inquiries were hard pulls on my report therefore false advertising on Experian. I will like these inquiries removed thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: JPMORGAN CHASE & CO.
State: GA
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 am writing about the unauthorized transactions made on XX/XX/XXXX. Previously, I filed a fraud claim as I did not make those charges. However, the investigation was unsuccessful, and the amount was reinstated on my account. I talked with a fraud specialist extensively and they advised to write a letter detailing my experience and what actually happened as they believe that I was mistakenly believed to have made those charges. 
On the morning of XX/XX/XXXX, I received 14 charges on my account totaling {$2300.00}. I was sleeping during that time and by the time I woke up, I only got XXXX fraud notification message asking me if I made a transaction of {$1000.00}, which I declined and replied no to, while failing to alert me of the previous 14. I received a letter notifying me that I was not responsible for 4 of those charges on XXXX 

So that means I should not be responsible for the other 10 either since they were made together. I also do not believe that I have received the chargeback for those 4 charges. I hope this can be looked into again. 
Thank you so much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-16
Company: Real Time Group, Inc.
State: SC
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:
XXXX when I was going through a nasty divorce my ex husband took out this account. He had all of my information and I knew nothing about this account. I have reached out to this company RealTime resolutions several times but they could care less about my issue. XXXX is the only credit reporting agency that want remove this account. It is now XXXX an in accordance with the fair credit reporting act this creditor has violated my rights under XXXX5 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section XXXX it also states a consumer reporting agency can not furnish an account without my written instruction under 15 ISC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX and XX/XX/XXXX your bank made an inquiry on my account in which the inquiry wasn't removed from my Experian report as of yet. I did npt make this inquiry and I want this inquiry removed

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 2023-10-18
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a distressing incident I recently experienced with TD BANKXX/XX/XXXX, which has left me both frustrated and inconvenienced. I believe that as a consumer, it is essential for our concerns to be heard and addressed. 

Today, my SSI check was deposited at TD BANK with the expectation that the funds would be available in a timely manner. Unfortunately, there was a significant delay in processing my deposit, resulting in the funds not being available until approximately 12 hours later. This delay had a cascading effect on my day, as I had several important appointments that I was unable to attend due to the unavailability of the funds. 

What added to my frustration was the response I received from TD BANKs customer service. When I contacted them to inquire about the delay and express my concerns, I was met with unhelpful and dismissive answers. To my surprise, they suggested I contact SOCIAL SECURITY, which seemed entirely unrelated to the issue at hand. This not only left me feeling unheard but also left me without a satisfactory resolution to my problem. 

To compound the matter, it became apparent that the delay was a result of a computer glitch or some technical issue on their end. However, the bank failed to acknowledge responsibility for this incident. In such situations, I believe it is the bank 's responsibility to ensure that customer transactions are processed efficiently and without unnecessary delays. 

I am writing to request your assistance in addressing this matter with TD BANK. I believe that consumers should be treated with respect, and it is crucial that financial institutions like this take responsibility for technical issues that directly impact their customers. 

I kindly request your guidance and support in resolving this issue. I hope that you can assist in ensuring that TD BANK acknowledges the problem and implements measures to prevent such incidents in the future. 

Thank you for your time and consideration. I look forward to your response and any assistance you can provide in rectifying this situation. 

Sincerely, XXXX XXXX XXXX Also I would like {$70.00} refund for overdraft that was only under {$20.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: Avant Holding Company, 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: Account information incorrect

Complaint:
XXXX Name : XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX Email XXXX XXXX To whom it may Concern You are in Direct Violation of The Fair Credit Reporting Act ( AVANT LLC/WEB BANK & XXXX XXXX has violated several of my rights. 
15 U.S.C 1681 section 602. A. Clearty states that I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agenc can not furnish an account without my written instructions.

15 U.S. C 16668 : A creditor may not treat a payment on a credit card open-end consumer credit plan as late for any purpose.Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
complaint # XXXX i addressed not being able to dispute debt.in court the debt was showed paid with interest owed the judge gave them there interest and ordered them to return the rest of my money.The law firm of XXXX XXXX and associates acting for ford motor credit is trying to collect same debt court case # XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the fair credit reporting act XXXX Account # 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.

Company response to consumer: Closed with explanation