BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-30
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:
TD Bank has refused to allow me the opportunity to plead my case with the appropriate department/manager. I contacted TD Bank on XX/XX/2018 and was transferred to the Fraud Department as my wife and I had an account that was on a " no check activity '' status due to fraud. This account was supposed to be closed already, but we resolved that on the phone already. The supervisor in the Fraud Department helped my wife open a new account. Once this was done, we were hung up on. When we called back and stated the same information, we were transferred to a supervisor who continued to belittle myself and my wife as well as say " no thank you '' when we asked for a manager and this individual ( whose name is XXXX, I beleieve ) kept hanging up on us. I then spoke with TD Bank today, who confirmed this individual put all of my other accounts in a " no check activity '' status due to the serious delinquency. The delinquency exceeded {$1100.00} and of that, 27 fees were assessed at {$35.00} each, totaling {$940.00} in fees. 

My son receives Social Security XXXX checks. That money is used just for him to get things he medically needs. It's unfortunate that the bank has allowed me to get this negative with that many fees, and fees being assessed BECAUSE of fees. The bank is essentially stealing from my son, who desparately needs his XXXX to get things he needs to live. 

I request that an individual with a heart at TD Bank look at our situation, while considering that we fell on hard times, and refund the fees so we can at least start getting back on our feet. Without those fees being refunded, my son will go without things he needs to survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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, the following list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 and have also reported late payments, which is also a violation.

15 USC 1681 Section 602 A States that I have a right to privacy 15 USC 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions Accounts : XXXX XXXX XXXX : XXXX XXXX Late remarks on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XXXX late remarks on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX late remarks on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX late remarks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX late remarks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Preferred lease XXXX late remarks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2022-01-31
Company: EQUIFAX, INC.
State: DC
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: NRA Group, LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was unemployed at the time when this debt collection attempt took place. At that time, a local agency called XXXX was providing energy assistance for my family during the winter and summer and they have been making payments to XXXX XXXX XXXX to cover my utility bills. I do n't know what went wrong and I was not notified of any issues with my energy assistance that I was receiving from XXXX. I was going through hardship due to job lost. I was receiving XXXX and other other help from the state plus XXXX.

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 2019-01-22
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have multiple loans through Sallie Mae which I was told could be consolidated when I was ready to repay them, I was later told that was impossible when it was being demanded of me to pay XXXX XXXX dollars a month. I was unable to finish my degree at XXXX XXXX university due to being unable to pay my tuition any longer. I transferred to a XXXX  college and continued to pay for school myself while working full-time and paying for all my living expenses on my own. I tried to make arrangements with Sallie Mae/Navient to pay my loans or defer them while I was in school. Needless to say I received numerous calls all hours of day, night, weekends, and even at my place of employment. I even contacted a lawyer to see if I could file harassment charges however I could not afford to do it. I was on the verge of tears every day. Here I am ten years later in more debt than you can imagine, still in school paying for it on my own, my loan is now defaulted due to Navient 's lack of willingness to work with me and my credit is forever ruined. I have written letters to everyone I could possibly think of for some kind of help, empathy, or compassion without any response. I am at my wit 's end and there is no way I can even imagine a way to pay my loans when they will not even consider lowering my payments. I was lied to the day I took out my loans and I am still being lied to now by this disgusting excuse of a company who prey on young adults trying to get ahead in life, all we end up with is debt and broken dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA bank had been planning on closing Simple and converting the customers to their bank on XX/XX/2021. They had been planning for months. I had moved most of my money out, but about a week before Simple closed, I deposited a check for around {$3900.00} and when it cleared, I was not given the option to move the funds to my new bank. I decided to wait until XX/XX/XXXX when the conversion was complete and would take the money out of my newly assigned BBVA account, however, I was not able to get online access. 

Their customer service kept hanging up after saying " they couldn't hear me '' ; and it is almost certainly pre-recorded messages as they pick up immediately after one ring and all sound the same with the similar message.

There are multiple other people experiencing the same issue with the online account access and customer service hang-ups. There is not a physical branch within 2,000 miles of me, so it is extremely difficult to get access to my funds.

BBVA had months to prepare for this transition and have failed to provide adequate customer service support for the failed transfer of services. I, and a lot of other people, are not able to access our money when we need it the most. 

I hope some sort of action can be taken against this gross misconduct of people 's finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been locked out of my account with XXXX XXXX ever since XXXX XXXX XXXX switched over from XXXX XXXX. XXXX manages the repayment for my XXXX XXXX XXXX from my XXXX studies at the University XXXX XXXX XXXX. 

Over the summer, XXXX transitioned to a new website and asked users to transfer over their accounts. I followed each step and registered for a new account with XXXX XXXX. I received confirmation that my account was successfully activated on XX/XX/XXXX. However, since then, I have not been able to regain access to my account. I have tried logging in with my new credentials, requesting a password reset link, and registering for a new account entirely ( as customer representatives suggested ). None of it has worked. Customer representatives have insisted that my account is inactive and that it is my responsibility to reactivate it. However, that has simply not been possible and their instructions fly in the face of the email confirming my account activation. I have been locked out for months now and unable to make my loan payments because of this faulty system. If my loans are considered delinquent or my credit has been affected, I must appeal both on the grounds that XXXX XXXX has failed to provide me access to my account despite my repeated attempts to regain access. I would like nothing more than to have access to my account and to repay my balance right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY NEVER RESPONDED TO THE PROOF OF DEBT REQUEST AND HAS YET TO REMOVE THE DEBT FROM MY CREDIT REPORT, RESULTING IN A VIOLATION OF MY RIGHTS UNDER THE FAIR CONSUMERS CREDIT ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I, XXXX XXXX, am verifying that XXXX XXXX is mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at

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 2023-12-06
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: Information belongs to someone else

Complaint:
To Whom it may Concern, This is this complaint is submitted Under OHIO LAW XXXX of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, XXXX other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, XXXX, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, XXXX, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : -XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-06-16
Company: SYNCHRONY FINANCIAL
State: NC
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

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 2021-06-29
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I paid off my mortgage with old servicer XXXX  XXXX XXXX. 

On XX/XX/2021, servicing of my mortgage was transferred from old servicer XXXX  XXXX XXXX to new servicer NewRez LLC, even though my mortgage was already paid off. 

On XX/XX/2021, NewRez emailed me saying I had not paid my mortgage. I called NewRez and explained to the NewRez representative that I paid off the mortgage with old servicer The XXXX XXXX before the mortgage was transferred to NewRez. The NewRez representative asked me to fax NewRez at XXXX with documents showing the mortgage was paid off with old servicer The XXXX XXXX. 

I sent a fax to NewRez at XXXX on XX/XX/2021, with a printout from XXXX XXXX XXXX  showing mortgage payoff on XX/XX/2021, and with an escrow refund check from XXXX  XXXX XXXX dated XX/XX/2021. 

I sent a fax to NewRez at XXXX on XX/XX/2021, with a letter from XXXX XXXX XXXX showing satisfaction and full reconveyance of the Deed of Trust. 

On XX/XX/2021, NewRez called me saying I had not paid my mortgage. I explained to the NewRez representative that I called on XX/XX/2021, and sent faxes on XX/XX/XXXX and XX/XX/XXXX, showing that I paid off the mortgage with old servicer XXXX XXXX XXXX before the mortgage was transferred to NewRez. The NewRez representative verified in NewRez 's system that I had called on XX/XX/2021, but told me that the previous NewRez representative had given me an incorrect fax number XXXX. The NewRez representative told me that the correct fax number is XXXX, and asked me to fax the documents showing the mortgage was paid off with old servicer XXXX  XXXX XXXX. 

I sent 2 faxes to NewRez at XXXX on XX/XX/2021, with a printout from XXXX XXXX XXXX showing mortgage payoff on XX/XX/2021, with an escrow refund check from The Money Source dated XX/XX/2021, and with a letter from The Money Source showing satisfaction and full reconveyance of the Deed of Trust. 

On XX/XX/2021, NewRez emailed me thanking me for contacting NewRez, saying I had not paid my mortgage, and asking me to fax documents showing the mortgage was paid. 

On XX/XX/2021, NewRez mailed me a letter saying NewRez would report nonpayment of my mortgage to credit agencies starting XX/XX/2021. 

As servicing was transferred to NewRez on XX/XX/2021, and NewRez began negative reporting of my mortgage to credit agencies starting XX/XX/2021, NewRez is in violation of servicing transfer regulations which prohibit negative reporting to credit agencies within 60 days of the mortgage transfer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I was looking my credit report an inaccurate info that i did authorize or consent to. I sent out letters to the company over 30 days ago and still havent got nothing. These accounts are hindering. it are keeping from gettin any type of loan. remove these items from my credit

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 2022-01-31
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: CORELOGIC INC
State: OH
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:
The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a Pell Overpayment from XXXX XXXX, and it was closed XX/XX/2017. However, upon speaking with XXXX XXXX  's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. Additionally, XXXX XXXX was contacted and provided proof that there is a {$0.00} 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 2018-04-30
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Please see attached documents of communications- however I will summarize below : * I initiated a " 12 month deferred interest '' credit card with the XXXX furniture website ( XXXX ) in XXXX XXXX to open a card that is " managed '' by Comenity Bank as their credit provider. 
* I was approved for a " 12 month deferred interest '' credit card in XX/XX/XXXX, and proceeded to make my purchases, and have continually made my payments on time. 
* As the monthly " bill '' arrives electronically via email- I typically just pay my bill via cell phone * In XXXX XXXX I went into the website to actually " open '' my statement ( which takes a few additional steps to do from the email bill that arrives ) and realized they were charging me interest, in error. 
* I immediately contacted XXXX, who directed me to their credit card partner- XXXX XXXX XXXX In XXXX I called XXXX and opened a formal " dispute '' about the charges * XXXX  XXXX   XXXX with a letter in the mail informing me that as I had not notified them of THEIR ERROR within 60 days, the interest charges would not be reversed- nor would they make an adjustment for the life of the credit card balance to adjust my card to be " 12 month interest deferred '' * I contacted XXXX, and they verified that they properly reported the account to XXXX XXXX as a " 12 month deferred interest '' account, and the error was not on their end, however they agreed to provide me with an email stating that the account was, and should have been coded as a " 12 month interest deferred ''. 
* I provided this information to XXXX in XX/XX/XXXX via a formal writtem- certified mail 2nd complaint. While I have never received a formal written response from my 2nd complaint via mail ( although they tell me verbally otherwise ), a XXXX  representative has verified via telephone call for me that their original decision stands, and that the account will NOT be changed to my CONTRACTUALLY AGREED UPON TERMS to have a " 12 months interest deferred '' credit card- nor would they reverse any previous interest charges as " 60 days have passed since the initial error '' - regardless of upon who the responsibility for the error lies. 
* I contacted XXXX via email as a foollow-up and have not received a response * I feel this is clearly " deceptive '' practices on the part of XXXX, and in turn, XXXX as my provider. 
* I have provided all documentation for this case via upload

Company response to consumer: Closed with monetary relief