BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My name is XXXX XXXX, and I am the owner of XXXX XXXX XXXXXXXX XXXX, a small business in Florida that has had a productive and successful partnership with TD Bank for over XXXX years. I am writing this complaint to bring to your attention an issue that has significantly impacted my business and livelihood. 

Around XX/XX/XXXX, I visited the TD Bank branch in XXXX XXXX, Florida, to report an ACH fraud incident that I did not initiate. The bank staff informed me that they would need to wait until the matter was resolved before taking any action. Subsequently, the ACH transaction was confirmed as fraudulent over the following XXXX days, and the bank advised me to open a new account, with the assurance that the XXXX department would return the amount. I acted promptly and, around XX/XX/XXXX, I opened a new account and the bank transferred the amount, believing that the issue had been resolved to my satisfaction. 

To my dismay, in XX/XX/XXXX, I received a collection letter demanding the exact amount that was supposed to have been returned by the fraud department. Distressed by this turn of events, I promptly visited the branch again, presented the collection letter, and sought assistance. The bank representative promised to investigate the matter and took my contact information. 

However, it wasn't until the middle of XX/XX/XXXX that I received a call from the bank representative who, to my shock, informed me that there was nothing the bank could do, and I would be required to pay the full amount. I was deeply perplexed by this sudden reversal, as I had received no communication, neither via email, mail, nor phone calls, explaining the reasons for this decision. To make matters worse, on XX/XX/XXXX, the bank deducted the disputed amount from my account without any prior notice or explanation. 

This situation has caused a significant financial burden on my business, and I have already had to let go of two employees due to the loss incurred. 

I kindly request that you review the details of this case and for the bank to reverse the unjust deduction from my account and provide a clear and transparent explanation for the course of events. My intention is not to challenge the bank but to seek an equitable and fair resolution that can help me recover from the financial distress this issue has caused my business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 customer service

Complaint:
I've reached out to Capital One 3 times to the first time on XX/XX/XXXX to get a refund issued for the credit balance on my account. I was told it would take 10 days for the check to arrive and seeing that it didn't arrive by the XXXX, I called on the XXXX to get an update on the status of my refund. 

I have still yet to receive the refund, I called yesterday and spoke to XXXX who said it should arrive by today and it still has not arrived. 

The website says 7-10 business days, at this point its been over a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2023-04-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello. I purchased furniture through XXXX XXXX in XXXX of 2016 with deferred interest. I was receiving my statement notifications and was able to login online as needed to review the statements until approximately 60 days before my interest deferral expired. I stopped receiving my statement notifications and was unable to login to the site without issues. I reset my credentials and contacted customer support about my login issues and the inability to get my statements to ensure the balance was paid off. At that time, I asked on more than one occasion to change to paper statements. I confirmed my information and still did not get statements in the mail or email notifications until after the interest was charged. I contacted TD bank with multiple written disputes that they denied and they refused to assist me. I believe they stopped sending the notifications purposely and neglected to send the paper statements even after two requests to allow the deferred interest to get charged. I would like to discuss this as they now have me owing more than {$1700.00} in deferred interest with no statement notifications and no letter in the mail even after I asked to change to paper statements well before the deferral timeframe passed. 

I am respectfully requesting the Consumer Financial Protection Bureau to help look into this and assist me as I have seen several other customers state online that they had similar issues with a deferred interest purchased account and TD Bank and failure to resolve statement delivery options and providing paper statements when asked if there was any issue with electronic notifications which is very unfair. Please contact me via email to XXXX, XXXX ( my wife ) or via phone to XXXX to help me get this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 Experian reported an paid, charge off account on my 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 2023-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Fraud Type : XXXX XXXX : I was talking to a friend of mine on XXXX ( XXXX ). I had complete confidence in this person and she asked for me to send money to someone for her and she will pay me back. I believed this since she is an Au Pair and I did not know the banking regulations surrounding foreigners here, as the person pretending to be her said their XXXX limit was reached for the day. The person on the other end was very knowledgeable and accurately represented how she talks to me. The person hacked her account within 2.5 hours of when I was last talking to her. 

I sent 2 payments totaling {$420.00} to a XXXX XXXX ( XXXX ). I did not find out about the fraud until XXXX messaged me on another platform to tell me her XXXX was hacked. 

I have all of the screenshots of the messages from the hacked account to me and sent them to Bank of America. Also, I sent them the XXXX number and name of the scammers ( listed above ). They informed me after 3 weeks that they aren't refunding me because it was an " authorized transaction ''. It was not authorized since the attackers gained access to my friend 's account and impersonated her. I am filing a complaint Regulation E : Electronic Fund Transfers 12 CFR 205. If the scammers have a XXXX account, they are in the US and I am not sure why the bank can not investigate and have the scammers account shut down. Upon more research, the same hack & scam through XXXX has been appearing more frequently the past XXXX weeks, mostly in the accounts of people from XXXX XXXX or XXXX speaking.

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 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 or about XX/XX/2020, I filed a complaint disputing a fraudulent charge on my Bank of America account ending XXXX, in the amount of {$3100.00}. On XX/XX/2020, I received a letter from Bank of America rejecting my claim stating that " Our records show the transaction activity in question was authorized and posted correctly to your account ''. When the charges took place, my card was not in my position. Bank of America did not explain why they came to that conclusion rejecting my fraudulent claim. I did not make or authorized the charge on my account. I am a victim of Identity theft. I am requesting Bank of America to do a proper investigation and send me a report with explanation with evidence why they came to this conclusion when I did not purchase or authorized anyone to use my card to make purchases in question.

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 2021-01-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I thought I closed my USAA card account over one year ago. I received a letter in the mail stating that I can opt out of USAA sharing my personal information. I called USAA and was told I needed to verfiy my self which I tried to do by answering questions. This failed and I was not allowed to opt out. I was then told that even though my accounts were closed : Once a USAA member always a USAA member. 
I again contacted USAA on XX/XX/2021 with the same request and was told that to opt out of their sharing my personal information, I needed to send in copies of both sides of my drivers license. I feel that this requirement is silly and stupid! My USAA number is : XXXX. The last four of my social is : XXXX. If you are unable to resolve this issue please let me know who I need to contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear, Experian I received a copy of my credit report and I have found the following items listed below to be in error. Account Name- XXXX XXXX XXXX XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, Experian OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Experian has caused severe stress and anxiety due to the abusive and unfair practices. This account is also is be reported as late when I never was never late on any payments. XXXX XXXX even acknowledges the fact I wasn't late on any payments based on the fact they are reporting the account as never later/paid on time. This is a violation of 15 USC 1681 s-2 because XXXXXXXX XXXX/Experian have a duty under said title to report on my consumer report with 100 percent accuracy. XXXXXXXX XXXX/Experian are obligated by law to delete all late payments associated with this account and report the account as Never late/paid as agreed across all 3 consumer reports. 
Both XXXX XXXXExperian, should be ashamed of themselves for ASSUMING this role and position to constantly commit fraud and cause harm to consumers!

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 2022-04-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Equifax they said they were not able to remove inquires I've sent letters than she said she will remove XXXX and then they sent a email with stupid adding my name very disrespectful I would like to file and complaint and remove all inquires on my account they were unauthorized. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX sale

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Data Mortgage Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Lender liability, Briefly, lender liability law says lenders must treat their borrowers fairly, and when they don't, they can be subject to borrower litigation under a variety of legal claims. 
The Mortgage company XXXX XXXX XXXX ) has refused to apply distributed verified funds in the amount to bring loan to a paid in full and current status additionally XXXX XXXX XXXX has moved forward with foreclosure and sale date regardless of verified wired funds from a government entity providing proof, with a tracking number. Again the XXXX XXXX only response was it will be escalated, wait to hear from someone. 
Servicer company refuses to return calls, only to be told, the matter has been escalated This matter has been ongoing since XX/XX/2023 up until current date XX/XX/2023 Below are the email notifications from the XXXX  Mortgage XXXX XXXX Mortgage XXXX XXXX Dear, For your application XXXX to the XXXX  Mortgage XXXX XXXX XXXX funds have been distributed to your mortgage servicer on your behalf based on the amount due provided by your servicer. We are currently awaiting confirmation that those funds were applied to your loan. 

While we are working with your servicer to ensure a timely response, we encourage you to also reach out to them for more information. You will receive a confirmation email from the program once your servicer has verified that the funds have been applied to your loan. 

To review your application, you can log in to the XXXX XXXX here : XXXX XXXX XXXX If you have additional questions, you can email XXXX  Mortgage XXXX XXXX through the Message section in the XXXX XXXX. 

Regards, The XXXX  Mortgage XXXX XXXX XXXX Mortgage Relief Program Dear, Thank you for submitting your application for the California Mortgage XXXX XXXX. The program has distributed funds to your mortgage servicer, but as of XX/XX/2023, your mortgage servicer has not verified that the funds have been applied to your loan. 

To ensure the funds sent by the program have been applied, we are asking you to reach out to your servicer, as we are, to confirm that the funds are posted in a timely manner. You will receive a confirmation email from the program once your servicer has verified that the funds have been applied to your loan. 

To review your application, you can log in to the XXXX XXXX here : XXXX XXXX. If you have additional questions, you can email XXXX  Mortgage XXXX XXXX through the Message section in the XXXX XXXX. 

Regards, The XXXX  Mortgage XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Checking account today and i noticed someone used my information to get loans and call about some stuff without my consent i have to provide for my family & my credit is something i depend on to get by. 

If my report doesnt look accurate or up to date Iasked that the accounts be removed immediately.

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 2021-01-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to formally dispute the late payment charges applied to the following accounts : * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX * Account Name : XXXX XXXXAccount Number : XXXX Opened : XX/XX/XXXX I believe the late payment charges on these accounts are in error based on my understanding of the consumer rights and protections outlined in the U.S. Code : * Definition of Credit Card ( 15 U.S. Code 1602L ) : A credit card is any card or credit device used to obtain services on credit. I have always adhered to this definition.

* Requirements for Over-the-Limit Transactions ( 15 U.S. Code 1637B ) : I did not opt into any over-the-limit plan, and any related fees should not be applied without my explicit consent.

* Accuracy and Fairness ( 15 U.S. Code 1681 ) : I request a review of the accuracy of the late payment charges and their fair application.

* Timing of Payments ( 15 U.S. Code 1666B ) : The periodic statements did not provide the mandated 21 days before the payment due date, making the late charges unjustified.

I kindly request a detailed review of the charges on the aforementioned accounts. If found to be in error, I ask for their removal and correction of any negative reporting to credit bureaus.

Please respond within 30 days, confirming the resolution of this dispute. If the response is unsatisfactory, I will consider further legal action.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: CT
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:
i looked at my consumer credit profile recently and realised Equifaxhas reported an invalid account on my credit report from XXXX XXXX XXXX XXXX account Number XXXX i have never done business with the furnishers of this information and i have no knowledge of this transaction. this account has been disputed and deleted in the past and has recently been deleted by XXXX from my consumer credit profile. the furnisher of this data is adamant on violating my rights in conjunction with equifax whom as a company is aiding and abetting to such a violation of my guaranteed rights under Federal Law passed by the United States House of Representatives. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both XXXX  and XXXX. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.

Company response to consumer: Closed with explanation