BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
All of the sudden today, XX/XX/2021, I tried to login to my online account as usual and it happens to be blocked by TDBank. They require for me to go to the branch with covid-19 pandemic to witch I refused and requested for all my funds to be sent to me in a check and my account with them to be closed, they said they won't do it so now they have my money that I need for my family and they won't send it to me. 

I also requested a video call and they said no. I don't want to meet with anyone since I have insuficient inmmune system and contact during pandemic is not good. I would like for them to unblock my online account or send me my funds via check and they are no helping me, it is very frustating in this hard times for me and my family. 

When I tried to login my password did not work, they blocked it. TD Bank can not keep my money just like that. 

Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18
Company: DISCOVER BANK
State: UT
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:
Discover closed my account and took my {$1500.00} security deposit even after I filed a fraud investigation that my card was used without my authorization. Their fraud investigation representative ignored all my voice messages during the time of the investigation to eventually no response. My account was closed and deposit was taken improperly. It has been a 18 month police long investigation gathering documents the detective needed to finalize my police report. I am requesting my security deposit back and the balances owed to be cleared from my name as the charges were not authorized by me. 


They can obtain the documents from the SLPD to gather information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Despite

the multiple previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the account, or inaccurate information, from my file immediately : XXXX XXXXXXXX Date Opened : XXXX  Balance : {$17000.00}

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 2021-04-01
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX North Carolina XXXX TD Auto Finance XXXX XXXX XXXX XXXX, MI XXXX Wrote : Description of account, Transaction, or Requested Credit : Your application for the sales financing of a motor vehicle was submitted to us by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX on XX/XX/2021. 
We have declined your application. 
Our credit decision was based in whole or in part on information obtained in your reports ( s ) from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA, XXXX WWW.XXXX  XXXX. ( XXXX ) XXXX Your credit score, obtained on XX/XX/2021 was XXXX. Scores range from a low XXXX to a high of XXXX. Key factors that adversely affected your credit score : Lack of recent installment loan information This inquiry is false ; I have a credit score of XXXX? 
Length of time revolving credit accounts have been established This inquiry is false ; I have a credit score of XXXX? 
Time since most recent account opening is too short- This inquiry is false ; I have a credit score of XXXX? 
Too many inquiries last 12 months-This inquiry is false ; I have a credit score of XXXX? 
The applicant wrote : I feel TD Auto Finance purposely is trying to or have ruined my credit score by denying me approval while I hold a credit rating that few do. I have been working hard to keep my credit score high enough so I would not have to deal with such issues like the one Im facing in this report. I can not sit back and let this report go unchecked. 
I have been personally hurt and my credit score has been purposely injured by TD Auto Finance denying me credit while holding a credit score of XXXX which clearly shows my credit worthiness. I am going to file a complaint with federal trade commission on the grounds that TD Auto Finance has denied me the right to trade, that prohibited me from fair and equal trade base on my credit score and some false inquiries. This compliant will be in-part or whole, pursuing that the federal equal credit opportunity act prohibits creditors from discriminating against credit applicants on the basis of race the factor and ( provided the applicant has the capacity to enter into a binding contract ). 
TD Auto Finance has violated this statement because of said credit applicant has already entered into a binding contract and received the loan with the credit score of XXXX which was denied by TD Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: NJ
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 2021-04-01
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 i received a summons from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX Fl XXXX. 
Docs provided documents. 

I contacted them about file XXXX and requested a Debt Validation. After contacting them several times and them stating they had 30 days to provide information they finally sent out and insufficient validation of this debt on XXXX XXXX. Docs provided as requested. 

After I contacted them in regards to why this was not complete and did not have any contract between us. Mr XXXX at that office began to get frustrated and said if I was stating that they stop collecting that he needed to put me on with an attorney. At that point an attorney by the name of Mr. XXXX got on the phone and began to raise his voice at me in a threatening manner and interrupting me before I could finish my request for him to stop his attempt to collect. HE continued to ask me sarcasticaly if this was really not my debt as he kept shouting and acting belligerent. The phone call ended when he stated he was done and if there was nothing else he can do for 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 explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: GA
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has been reporting a collection on my account in the amount of {$2100.00} The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I hope your day is going well, but I need your help. I noticed the following issues with this account on my credit report. I did not authorize nor know anything bout this account listed. These are fraudalent accounts. i know my rights. this is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Foris DAX, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have had an account with crypto.com for a while now. They were recently hacked. When this happened i lost my account access. I had to recently change my email address and have contacted support multiple times and they refuse to help restore my access. Please help ive contacted them over and over for at least a month. I need to do my taxes and this is causing a financial hardship for my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Homeowner Assistance - Unfair Mortgage Practices Im reaching out for some guidance on where I can get assistance with Unfair Mortgage Practices and my search led me to the CFPB I have a second mortgage from XXXX  of XXXX ( 11.5 % ) that was needed at the time but ultimately forgotten about while it was on autopay ( horrible decision ) until I lost my job in XX/XX/XXXX. 
- The loan was for {$60000.00} which we paid $ XXXX/month diligently for 15 years. The balance is still {$51000.00} ... 84 % of the payment went to interest only. We have paid over {$100000.00} on this {$60000.00} loan already. - The maturity date is scheduled for this XXXX at {$51000.00}. 

I wrote Mr. XXXX XXXX, President and Chief Executive Officer of XXXX XXXX  XXXX XXXX XXXX, Select Portfolio Servicing, and the XXXX XXXX XXXX asking or better yet pleading for them to please reconsider my Short Pay Offer that was submitted to Select Portfolio Servicing. 

Asking them to Please consider the consistency in our payment history and commitment for over 14.5 years of managing and paying this completely unfair, deceitful, and borderline unethical/predatory loan arrangement. 

I was given forbearance in XXXX, XXXX, and XXXX then only offered an opportunity for a modification on the matured balance for $ XXXX/month for another 30 years at 6.34 %. That would still leave a maturity balance of {$31000.00} due on XXXX/XXXX/XXXX. I couldnt begin to wrap my arms around the pain of reading that offer. 

Short summary : A {$60000.00} loan at 11.5 % that has been paid for 15 years at {$590.00} a month with {$490.00} ( 84 % ) going towards interest and only {$98.00} going towards the principal. 
Totaling over $ XXXX+ already paid on a {$60000.00} loan.

o With a Total Balance including the Modification is now {$52000.00} After a very difficult two years, I outlined the financial and mental distress that my family and I continue to face during the pandemic. This year has been even more challenging with the inability to gain employment and my wife continuing her XXXX XXXX  with mounting Hospital Bills

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: TX
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:
This is a formal complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery constantly calls my cellphone and when I've told them I don't know about the debt, then ask when this debt was and they reply from 13 years ago. Then they call my home number don't reveal who they are just leave messages to call back at a XXXX number. They constantly call me on my home phone and cellphone from different numbers, some XXXX numbers others from different state area codes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Southwest creditors constant unwanted phone calls everyday repeatedly unwanted phonecalls from a XXXX phone number saying i owe a dept but not explaining what the debt is i want these calls to stop i will calm them when im interested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: NJ
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Act amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2023-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit 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:
Beginning with the XXXX XXXX XXXX XXXX  statement, my purchases balance subject to interest rate has been going up monthly instead of going down as it should. I have not used my card and have been making above minimum payments the entire time. the amount it has increased is now at or about {$1000.00} it should have gone down by this amount from the XXXX XXXXXXXX XXXX statement balance of {$5200.00}. I contacted B.O.A for clarification on this matter ( How can a balance go up when it is being paid down? ) They responded with an unsigned ( form letter ) with no return contact information for the person that sent the letter. The only thing on it was a case number XXXX acct ending XXXX. I asked specific questions non of these were answered. What I got was a description of how interest is accrued. I already new this info. It states the purchase balance will continue to accrue interest until it is payed off. I knew this also. How can the balance be payed off when every time I make a payment the balance goes up instead of down. If the monthly amounts had been subtracted from the XXXX XXXX  balance of {$5200.00} for the total amount of {$1000.00} my current purchase balance subject to interest would be around {$4200.00} I am attaching statements and correspondence copies among other documentation.

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 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Negative reporting from XXXX XXXX We have account info data that the mobile phone was paid in full in XXXX and the insurance premium care of XXXX was canceled and we have documentation from XXXX to confirm. Unable to reach out to company or talk with anyone in the credit Dept but yet we can log into my account and it shows it's paid in full and cancelled. Please help we have perfect credit and this is incorrect and a big inconvenience Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance Owed : {$30000.00} XXXX XXXX Balance Owed : {$30000.00}

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 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This Person ( XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to. THEY HAVE VIOLATED MY RIGHTS ALSO UNDER THE FDCPA UNFAIR PRACTICES. AS STATED UNDER THE CIVIL LIABILITY IN THE FDCPA, AVANT ARE LIABLE FOR A FINE UP TO XXXX XXXX DOLLARS FOR EACH VIOLATION. AS I HAVE DOCUMENTED EVIDENCE UPLOADED.

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