BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2023 I was charged a maintenance fee of {$15.00} dollars on my checking account. I have been seeing this charge and other fees more often on my account even though I comply with requirements. My checking account is free of charges as long as I keep a minimum of {$100.00} dollars. On XX/XX/2023 I went overdraft on my account due to a merchant processing a payment late. I was charged an overdrawn fee of {$35.00}. But there is grace period to avoid the fee of {$35.00} if you make a deposit which i did same day. The overdraft fee was reversed of {$35.00} and I complied. But on XX/XX/2023 I was charged a maintenance fee of {$15.00} even though I complied with the requirements of maintaining my account above {$100.00} within the grace period of same day bringing the account to good standing. These fees are misleading and deceptive that TD Bank is charging because even though you comply with the requirements, they still charge a fee later of hoping that you will not notice. These fees are deceptive and even though I complied by making a deposit and avoiding the overdraft fee of {$35.00} and low balance fee of {$15.00} I was still charged at the beginning of the month the {$15.00} dollars. I feel that if I complied and kept my account in good standing that I should not be charged any fees. But TD Bank has a tricky system that will still charge you the fees even though you are within the guidelines. Please see an email I got regarding " grace period '' guidelines that I did follow but was till charged the fees. There has been other feed added overtime such as ATM fees, balance inquiry fee, ect. Most of these fees are bogus ATM 'S that automatically process without you even asking for a balance and not my request of fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-15
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 status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2022, Experian refused to correct my current score with them back to pre-student loan debt transfer. It is not my fault I should be punished for something XXXX and XXXX did when reporting their transfer. I did not abruptly pay all my debt off and get myself into debt again. Experian corrected my score when they first mistakenly added double my debt. There is absolutely no excuse for their refusal to say there is nothing they can do about it regarding interpreting the debt transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was mailed an offer. I signed in and accepted the offer. I provided all and any information to them to identify myself. They signed into my bank account and have all my personal information and still denied me saying they couldnt identify me. They asked some very personal questions and asked for very sensitive information. Why am I reporting them? Because they are phishing through usps and through the web. I got mine through the usps. They are telling people they are approved, make you jump through hoops then deny you for the reason they cant identify me. This has happened to plenty of people. Im reading it in the XXXX  site. Ive left a complaint due to them denying returning nor destroying any of my personal information. Its obvious they are stealing information for their personal gain. When is something going to be done about this criminal organization?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: MO
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:
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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

* XXXX * XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Opened a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Used it with no issues locally and on a trip to XXXX. Been making XXXX purchases using it all month. Today I tried to use it at Best Buy in my local market using Chip terminal and it declined. I opened the app suspecting a fraud alert and sure enough. They force you to call instead of validating through the apps 2FA style. Phone calls are poor security for social engineering but they choose to do it anyway. Rep places me on a 7 minute hold and then ASKS for a phone number to call back to validate. How would that validate anything if the caller provided it? They should call the number on the account only. So she calls and then " clears '' my account. Try again and it fails. At this point I use my XXXX card to complete the purchase because I can't keep going in circles. After I leave I call Citi back and they say its locked again... Wow. She then hangs up while investigating. Call back again and this time ask to be transferred to general CS and get XXXX. XXXX tries to help but says he can't help validate my account because my credit report is frozen. Well yes it is but there is ZERO need to hit my credit report to validate an account. I decline since he has literally all of my other validating info including card data, security phrase, and they can see I am calling from the number on the account. I ask to cancel and they say they will have to send me snail mail to validate my account to cancel. I want to cancel this card immediately and want my {$450.00} annual fee waived since it hasn't even been a month and they are dragging it out longer. This entire process is unacceptable from validation to usage on chip and pin. What if I was in XXXX? I'd be completely stranded!

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 2023-05-15
Company: EQUIFAX, INC.
State: AL
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: The CMI Group, Inc.
State: SC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit management XXXX XXXX XXXX has sent an {$84.00} charge to collections that is false and doesnt exist. They never sent any bills or have any proof. XXXX themselves, never sent a bill or said anything about any money owed when I simply switched addresses. The company has many people who do not know their job. It is clearly a mixup and they are simply lying to get money they do not deserve. There are many reports of this deceit from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : XXXX has violated my rights. 
XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-09-16
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was trying to open a business account with chase business, on XX/XX/XXXX online. 
I accidentally deposited the funds into an online checking account instead, I inform chase of my mistake, I was sent a link to open the correct account, in which I did. I told them to close the checking and put the funds in the new open business account I was told, it can not be done, they will refund the check, so I can put it in the business account, after about a month of waiting for the fund, I call chase to inquire about the funds I was told I can not get the funds until I provide a phone number of the employer, in which did chase rejected that number and continuously been doing the same with every phone number I sent, I went a chase branch to identify myself n was given the loss claim department I call kno result, it's been a roller-coaster ride since then, I even ask chase to speak to the employer n they refused, I would just like to get my check back...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: NC
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: Maximus Education, LLC dba Aidvantage
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I XXXX  from XXXX XXXX in XXXX. My student loans were serviced by XXXX. I struggle to pay for my student loans and every time i called i was placed in forbearance. since XXXX I filed bankruptcy in XXXX, had my tax refund withheld because I was so behind in payments and today still owe over XXXX in loans. I finally refinanced my loan privately two years ago so I wouldn't have to deal with them any longer. Of course right after i refinanced then the pause on student loans was enacted and the ability to apply for student loan forgiveness was implemented which know i do not qualify for. I have worked in XXXX  at a XXXX XXXX  for the last XXXX years. I am trying to get information from XXXX about the XXXX Settlement to see if i qualify or what can be done. I call XXXX and they say they aren't handling that and have no information for me and hung up. I went to the website XXXX XXXX XXXXXXXX where it states people entitled will receive a post card in XXXX. well I didn't get it or if i did it was thrown away by accident. They list a phone number XXXX but when you call it, it doesn't give you an option to speak with anyone, just states what's listed on the FAQ page and hangs up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Purchase date XX/XX/2022 Order # XXXX Total- {$640.00} Purchase date XX/XX/2022 order # XXXX Total- {$760.00} I realized the charges on XX/XX/2022 & reported them immediately ( same day ) I also contacted my local Police department XXXX police department and filed a report. 

XX/XX/XXXX i received notice that they completed their investigation and that it " does not substantiate the claim as unauthorized use '' XX/XX/XXXX I filed an appeal. 

XX/XX/XXXX I received notice that they were permanently billing my account for the totals of {$300.00} for the billing date of XX/XX/2022 and XXXX for the billing date of XX/XX/2022 and that they considered the investigation complete. 

Most of these items were shipped to an address in XXXX XXXX. & none of the charges including some donations XXXX XXXX XXXX 's were made or authorized by Myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: JPMORGAN CHASE & CO.
State: PA
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:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was the victim of a phishing fraud from another country chase bank allowed transactions to be disputed without my permission now they will not refund money that was stolen I believe chase has someone working with to aid the criminals also believe chase bank violated regulation e of the financial conduct code

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Millco Management
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just checked my credit report and XXXX XXXX have four accounts listed on my credit report from XXXX XXXX XXXX XXXX XXXXXXXXi have never have a contract with these companies. i did not receive anything in the mail saying I have a right to dispute this debt. This company hold four accounts with my name social security number address date of birth without my permission which is identity theft.They bought these accounts from another collection company. This company needs to delete my personal information out the database.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: Experian Information Solutions 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:
XXXX XXXX XXXX. {$240.00} & XXXX XXXX XXXX ( Paid charge-off ) There is no valid claim, no contracts exist ... accounts were settled with creditors by and has been confirmed. I am quite appalled and indignant. ( Debts can not be collected twice ). I have never been late or had an account charged off. 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX. XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) (  A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: CITIBANK, N.A.
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:
My complaint is ethical in nature. I believe this credit card processor is purposely applying payments in a way that benefits them, and hinders the ability for the borrower to pay down balances. The company is Citibank. I have pointed out this practice with them in the past, yet they continue to apply payments in a way that harms the card holder. Citibank repeatedly sends promotional balance transfer offers and checks. On occasion, I choose to use their 0 % offers to pay for certain things, retain cash, help a friend, etc. in this uncertain time we are living in. As of XX/XX/XXXX, I had 3 such offers on account. They typically are 12 months in duration. Every month I pay minimum balance, usually plus some additional amount, to keep credit good and avoid any fees and high interest, etc. I had one offer that was expiring on XX/XX/XXXX that had a balance of {$1900.00}. I had another that expire in XXXX of XXXX in the amount of {$2300.00}. I have a third that expires in XX/XX/XXXX in the amount of {$8000.00}. I contacted them in late XX/XX/XXXX just prior to paying my expiring balance of {$1900.00} because I noticed that they were applying my minimum monthly payments to my promotional balance that was expiring the furthest in the future, the {$8000.00} balance. This would make the most current promotional balance, the {$1900.00} balance more difficult to pay, and they would then be able to apply all accrued interest, and begin charging 29 % interest on any unpaid promotional balance. This is a terrible practice! I pointed this out to them, and they refuse to make any adjustments to the balances. Furthermore, when reviewing my balance this month, I notice that they did exactly the same thing with my {$1900.00} payment that I made in XX/XX/XXXX. They applied the {$1900.00} payment that I made to my {$2300.00} balance, and began charging me 29 % interest on the {$1900.00} promotional balance that was meant to pay the remaining balance in full by the XX/XX/XXXX promotional expiration date. I am working with them to fix this issue, however, I am certain that they will do the same thing to my other promotional balances, and that they are doing this to many, many other customers. Under Citibanks payment model, it would make it difficult to every pay this balance off with them not charging 29 %, which is their goal, and again, a terrible practice.

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