BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XX/XX/21 I was a few days late paying my bill which is always $ XXXX. I am usually on time. The bill is due by the XXXX of month. I paid the {$29.00} on XX/XX/21. The company refused to remove an assessed {$20.00} late fee for XXXX and even though I paid {$29.00} for XXXX they assessed another {$50.00} onto the bill, deeming me past due ( {$20.00} ) asking for {$79.00} due for XX/XX/21. I called several times today and qualify for the Hardship Program which will start, according to the rep in XX/XX/21. The rep told me a payment of {$59.00} will be due XX/XX/21. I explained I don't have {$59.00} to pay, as evidenced by my request for the hardship provision. 

The rep informed me that I will go down in the record as having refusing the {$59.00} payment and will remain in a 'past due ' status for the remainder of the loan. I asked if the initial payment could be reduced to the customary {$29.00} and she told me " No. '' I asked if that wasn't the whole purpose of hardship assistance and she tersely responded : " I ... already ... explained that to you. '' I asked if it would negatively impact my credit score ( being in a 'past due ' status ) and she said it might. She suggested somehow " Paying it to catch up. '' I find that unacceptable and though I appreciate being put into the Hardship Program, I feel the inclusion comes at a price that exceeds my ability to pay, making the option a moot point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, 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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 someone broke into my car and stole my purse containing my wallet and other valuables. I contacted my banks & credit card companies to report the theft and also the Police. Bank of America refused to pay the unauthorized charge of my debit card of {$620.00} at XXXX as stated in the Police report. ( Attached )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: DISCOVER BANK
State: MD
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:
I have had a Discover card for over two years and also opened another Discover card. I pay the accounts on time and in most cases in the balances in full each month. Discover attempted to  get me to sign a document with XXXX  to obtain my tax records. I didnt feel comfortable allowing this.XXXX  has caused damages to others in the past with breaching consumers. I reached out to an attorney within Discover around theXX/XX/XXXX who advised me not to sign any document and he said this didnt sound like anything Discover would do and he would have another attorney at Discover contact me back that still has not happen. I reported this to to the office of the president they have not had any further contact as promised that was on XX/XX/2020. I  received a letter sent to my email stating my account was closed because of a business decision and it will be reported as closed by grantor and it will impact my credit score .My credit score has  dropped severely because of this action from Discover. No payments are posting to my accounts. The card is being reported to merchants and businesses that I have reoccurring payments as fraud. This is now affecting my credit and defaming my character with the businesses I deal with. Im not the only person this has happened to I have relatives and people on XXXX who had their accounts closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: CATHAY BANK
State: WA
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:
I paid {$3700.00} cash to a teller to pay my mortgage on XXXX of XXXX before the cut off day on XXXX every month, but I got remarked " missing payments " in the result, my credit score got decreased XXXX points. I went to the branch 3 times, and called customer service number 4 times, the first 3 times I got hung up after waiting about 20 minutes. They all told me that they will notify their manager, and have the manager call me in 3 business days, but no one called.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
A prepaid MasterCard was purchased at a XXXX XXXX on XX/XX/2015 for {$25.00}. I have receipt from XXXX XXXX. It was accidentally not delivered. The card has no value now. I called the number on the card and they said that a dormancy fee of {$2.00} is charged for each month the card is not used. They also told me that US Bank was the issuer of the card but could not refer me to a person, an address for US Bank or a phone number. They said they had no information on US Bank. On internet search I found there are no branches of the bank and only ATMs in Massachusetts. 
On internet search I found that in this state, MA, dormancy fees may not be made for the first 7 years of a prepaid card. 
Can you help recover the value of this card? It belongs to XXXX  a non-profit orchestra which performs in XXXX MA where all concerts are free and open to the public.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-04
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ive asked them not to contact me and remove all records from my consumer report. They are now sending communication to collect via mail. They are sending something that they are calling a validated notice which is not a validation letter. It doesnt contain my wet signature. This debt was written off XX/XX/2021 which means the company accepted a tax write off and this debt is no longer collectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
My information was exposed in a data breach with XXXX there are accounts and inquiries showing up on my credit bureaus I want removed from my credit reports, this is fraud, i have filed a ftc identity theft report with the ftc, my information has been used illegally and Im tired of it, please remove all accounts that Im going go list on this complaint XX/XX/XXXX These are actual accounts not inquiries Please remove from my credit reports and do not put a fraud alert on my credit reports Im reporting the situation to XXXX as Im filing this complaint to consumer financial protection bureau to help with this situation please remove all,

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 2019-05-21
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collections from Phoenix Financial Services inaccurately reporting on my credit file. I have contacted the credit bureaus advising I am a victim of Identity Theft. This company has constantly called and mailed letters for a debt that does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan has an escrow account. Chase Bank charges 17 % cushion amount on the escrow account. My yearly overage on taxes and insurance run about 3 %. In effect I am loaning the bank approx 14 % free gratis.If all banks do this, it amounts to billions a year loaned to banks for free. Today loans require escrow accounts. 
I think a 5 % cushion should be plenty

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On Sunday XX/XX/XXXX my husband made a {$5000.00} payment on our USAA credit card on the USAA mobile app. I can see on the mobile app that the XXXX was applied because my card balance dropped by {$5000.00} from the last statement issued on XX/XX/XXXX. My available credit should be approximately XXXX ( verified with phone agents XXXXXXXX XXXX XXXX  and XXXX # XXXX ) yet a purchase of {$100.00} was declined due to lack of available balance. After 50 minutes on the phone with XXXX and repeatedly put on lengthy holds so she could research and fix, XXXX escalated the call to a member services specialist ( XXXX ). After being on the phone for 1 hour and 33 minutes Im nowhere. XXXX said she can see the {$5000.00} on the transaction history but the money did not credit to my account. I can see my balance changing on the phone app, reduced by {$5000.00}. I asked XXXX to escalate to a supervisor and she refused, stated supervisors dont take calls and I have no other resource than a research ticket. The only way XXXX would put in a ticket to research is if I proved the money was withdrawn from my bank account. I certainly understand providing proof of payment IF the payment was made by check or I somehow pushed the money to USAA. BUT, given this {$5000.00} payment was made on THEIR mobile app, why cant a customer service representative open ticket to find out why the payment made on THEIR app is on the transaction history but didnt get credited. Why wont USAA research to find out why their mobile app is not crediting this payment- if the payment wasnt credited then their app is not working properly. And I do not believe the money wasnt applied, if it wasnt the balance on the app would not have been reduced by {$5000.00}. This may be a case of untrained agents. Im also asking for an email address to send a presidential complaint and Im told there is no email for a President complaint and I can only make a complaint with member services. Total time on the phone was 1 hour and 40 minutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a buyer that upon looking for homes with his realtor he came across a property he liked and was ready to submit an offer for. Upon the realtor contacting the listing agent she was informed that in order for her clients offer to be presented to the seller " they must cross-qualify with agents lender ''. Please see below of a snippet of the XXXX listing Private Remarks : PRIVATE REMARKS : Submit all offers to : XXXX with copy of DU Approval including FICOS, Proof of Funds and copy of prequalification letter. Please call agent before submitting the offer. Buyers to get cross qualified with sellers lender : XXXX XXXX @ XXXX XXXX. Contact number is XXXX XXXX or email XXXX XXXX Buyers/Buyers agent to do their due diligence and investigations regarding property. 

Upon reviewing this my buyers agent called me to request a cross qualification with the other lender instructed on the XXXX private remarks. I advised it is illegal and a violation to share private financial information of the borrower 's to 3rd parties. Requiring buyers to submit a DU Approval, copy of credit report and proof of funds is a definite violation of consumer finance laws. I contacted the lender immediately and explained the type of loan program my borrowers were obtaining from my financial institution. ( generic information such as product description, LTV requirements, etc ) No private information of the borrower was shared. However mortgage officer, XXXX XXXX, from XXXX XXXX, still requested I send her copy of paystubs, copy of credit report and proof of funds ... " so she can do her due diligence '' To finish it off she requested all this information to be sent to her personal email address : XXXX not even a company email was used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: IL
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: KY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX ; XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have been an victim of identity theft. I have filled a FTC report and and documentation of this to the XXXX credit bureaus. 

the credit bureaus are reporting accounts on my report that do not belong to me and also are showing inquiries that i did not authorize. 

In addition the credit bureaus are reporting inaccurate information that do not match across all XXXX bureaus. including the date the account was opened, the total amounts of the accounts, the last date the accounts were active. all of this information has been outlines and shown to the credit bureaus. 

the FCRA clearly states the all accurate information must be posted on the reporting from XXXX bureaus. 

not only are these accounts fraudulent and do not belong to me but they are also inaccurate and display conflicting information as it pertains to dates, and amounts. 

I have not been given any proof of my signature to authorize any of these accounts and i have not been provided information as to how these accounts have been verified the responses from the credit bureau are generic and automated. 

the accounts in question are : XXXX XXXX and XXXX XXXX fraudulent inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The initial date i sent a letter requesting this information and provided my FTC documents about my identity theft situation was XXXX, a follow up was sent on XXXX and again on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Flexible Finance, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I signed up for flex on XX/XX/XXXX. I tried paying my rent in installments with the flex app. They took the amount due for my rent and they had a service issue when sending the money to the rental property that I live in. I have sent numerous email requests for customer service with this issue. I have not received the help I need with this issue resulting in me not being able to pay my rent and starting a eviction process. I just need my money back to pay my rent and to never work with flex app again. This company needs to go out of business with the amount of people going through the same issues as I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Ive contacted TransUnion on a number of occasions however I wasnt able to resolve the matter and asked that they verify the accounts on my credit report due to all accounts being inaccurate. Under the fair credit reportings act ( FCRA ) myself as a consumer have the right to get a copy of my credit report as soon as TransUnion investigate all accounts and verify accounts with a signed signature or contract verifying account belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been well over 60 days. I have not received anything from TransUnion regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-12-08
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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