BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-12
Company: TD BANK US HOLDING COMPANY
State: CT
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:
XX/XX/XXXX my account had a person addex to the acocunt as my son. his name is XXXX XXXX. my account was locked out due to chargeres being taken from my account. XXXX XXXX  to b exact. i had called td fraud and told them i dont know this person and i dont authorize XXXX XXXX  being taken out. i even got voice varified right after due to the fraudulent activities. i woke up on XX/XX/XXXX to two XXXX dollar XXXX transactions removed from my account. paid through XXXX. i had immediately called td and they tried to cancell the transactions but it was too late. i went to my td bank in XXXX ct. the branch manager told me a police report wouldn't change anything and that we just need to file a dispute.. the dispute was denied for geolocation was the same. i was then told by the fraud department a police report will help. so i went and got the report and then went bank to td in XXXX where XXXX the other manager failed to properly resend the dispute ... my 2nd dispute was then denied. when asking why they said the police report was never sent.. i called td in XXXX and XXXX the branch manager who " sent '' it in said it must of gotten lost ... she then blammed other people for her actions of this lost police report. she claimed other ppl handled it when she was the one who handled my second dispute then lost my police report. after callimg td fraud and managers i still got no where. td is telling me its my fault i allowed my sccount to be compromised.. i dont see how they are right when i called on the XXXX about the first XXXX $ being withdrawn.. then another grand was removed ... so XXXX just thrown away and td thinks my police report is a joke and told me to go XXXX myself because its not fraud. this is the most unprofessional bank I've ever dealt with.. from fraud to branch managers td had no idea how to handle this situation and it has left me fighting td for over a month and i still cant afford any of my bills or way of life ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-01-27
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I want to pay my bills, but just can't pay now. I'm planning on making sure they get paid, have notified all my creditors involved and asked that they note that XXXX XXXX XXXX is helping me with these negotiations. I have sent emails to customer service documenting this as well as stated it to representatives when called. Also, I sent written and email notification that the creditors are not authorized to contact me at my place of business since I am not allowed to accept personal calls, and this could jeopardize my job. Comenity Capital Bank is the lender for several of my credit cards- XXXX and XXXX. I have a cell phone which this creditors calls numerous times a day. 

On XX/XX/2023, at XXXX AM, I notified this Comenity of the payment situation and that it was not authorized to contact me at my place of business. On XX/XX/2023, at approximately XXXXXXXX XXXX Comenity Capital Bank 's representative - XXXX  - called me at work. I told XXXX that they were not authorized to contact me at work and sent another email documenting the call and again notifying them that they were not to contact me at work and that another violation of this request would result in a complaint. This notification was given verbally and in the email. This morning, XX/XX/2023, at approximately XXXX, a gentleman called my work number, asked for me, and said he was with Comenity Capital Bank. I told him, again, he was not authorized to call my place of business, the company had been notified on numerous occasions, and I was filing a complaint. I documented this with another email as well. 

This is a flagrant violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: SYNCHRONY FINANCIAL
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:
on XX/XX/2022 I received a letter from a creditor I have by the name of Synchrony Bank ( XXXX XXXX XXXX ). The letter stated my account ending in XXXX have been reviewed and I was denied a credit increase due to their decision based upon my XXXX credit report. I immediately called Synchrony Bank at XXXX the next day XX/XX/2022 at XXXX am est with customer service rep named XXXX. I then told her I didn't request a review of my account, who did, why did they pull my credit without my authorization which is illegal and because off their review they also decreased my credit limit and I asked why would they do that as well with me being unaware of any of this. XXXX stated they do reviews once every XXXX months. I told her that was illegal then XXXX stated it was in the terms and conditions of my cc contract. I told I have never heard of that and it is not anywhere in my contract. This unauthorized inquiry has affected my credit score and is against the law per CFPB

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 2022-06-01
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 ) ; Also states a consumer reporting agency can not furnish an 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 2018-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital one credit card is making fraudulent charges on my card. I was enrolled in auto pay for years, suddenly on the month there was fraudulent charges, the auto pay was not taken by the bank. Then they stack fees and interest. I received no phone call, e-mail or mail, until there was several charges, then when I did call, was told they would take off the erroneous charges, along with making sure it did not show up on credit report. I have written 4 letters to get the 30 day off my credit and they have not. When you look at the statements there are many erroneous charges that cont., they have charges on the statement for XXXX of XXXX-showing charges for XX/XX/2017. There are missing pieces to the statements, unexplained items, and missing data. I have statements, and excell spread sheet to prove the fraudulent activity being done by Capitol One, it is obvious they are doing this on purpose. There needs to be a class action lawsuit and Capital one needs to be held accountable. I just want the one and only one 30 day late on my perfect credit score OFF!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
on XX/XX/2022 i received an electronic letter stating my credit limit of {$2000.00} was being reduced to {$1200.00} - i immediately called to speak with someone as this will be taking a major toll on my credit score affecting me in so many different ways. I have worked hard everyday on my credit so any minor change affects me in many ways. 

XXXX XXXX-is reducing my credit line by {$800.00} this will in return cause my credit utilization to drop drastically causing my credit score to crash which will in return leave me struggling for months to fix. 

I called customer support for assistance and instead was insulted and kept being told if i seen the letter sent then there was nothing they could talk to me about at that point. The gentleman on the other line even hung up on me when i asked to stay on the line and be transferred to someone else. 

I don't understand why Synchrony Bank is causing this inseparable damage to my livelihood as a single dad i moved my children to our new place and began working on putting our life back together decided to finance furniture and pay it off with the promise of no interest charge for a year, if i would have known they would pull the rug under from under me on the offered credit line i would have never financed thru them and would have paid in cash. In addition i enrolled for AUTO PAY since the start of my financing with Synchrony bank and was told that my account was never enrolled and all i have been paying is late charges on my account this is really concerning specially because when i called in for help their automated line kept asking me if i was " disputing a late charge '' multiple times thru the process of trying to reach someone, this only shows that they get these types of calls often are are probably not processing " auto payments '' to cash in on the late charges and capitalize on those fees. 

i am requesting my credit line to be reverted back to its original amount. My credit score is even higher then when i originally opened my account with Synchrony and i monitor my credit on a daily basis so i am not sure why this is even happening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated me rights. 

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 also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which
antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2015-07-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I am a victim of identity theft and now I have over XXXX inquiries on my credit report.Equifax violated my security freeze and released my credit information to companies that requested it. There should have been controls in place to prevent Equifax from aiding the identity thief into having my credit ran over XXXX times. I have disputed this with Equifax several times and they have taken the stance that its too much work for them and they are taking no action. They have not bothered to investigate the nature of my dispute. This is having detrimental damage to my credit score. They refer me back to the creditor and the creditor refers me back to Equifax. Equifax released the information and they need to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a service connected, totally and permanently XXXX veteran. Although my student loans have been forgiven through XXXX, the loan servicer for the Department of Education has notified the credit reporting agencies that my student loans are delinquent and have been " Assigned to the government ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/23, I submitted a written dispute by mail to Experian ( Exhibit A attached ). I disputed this item XXXX XXXX Charge Off. 

I included a copy of my driver license and social security card to make it easy for them to confirm my identity. 

In response, I received what appears to be an automated e-mail stating that the request does not appear to have come directly from me. ( see Exhibit B attached ) I believe this is an attempt by Experian to ignore my request by blaming automation instead of reading my dispute and conducting an investigation according to my rights. 

Many of my letters have received the same response despite my including personal identification documents to prove I directly sent the dispute.

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 2015-05-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am currently experiencing extreme difficulty with the credit bureaus. XXXX, Equifax, and XXXX are all reporting my XXXX Accounts as a revolving debt. The definition of revolving debt is- Revolving debt is debt that typically has a variable interest rate, an open-ended term and payments that are based on a percentage of the balance. Revolving debt has a pre-determined limit, agreed upon by the lender and borrower. 
Revolving debt is the kind of debt that credit cards offer and is usually an easy way to get credit. It can be a useful tool when used with discipline. This is damaging my score and affecting my lively hood. My revolving accounts such as XXXX XXXX Credit Card, XXXX, and XXXX XXXX are all in good standing. I have been paying about XXXX80 % of my balance charged every single month. My credit score should be much high than it is. The credit reporting agencies are in direct violation of The Fair Credit Reporting Act where it states, '' Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information. Inaccurate, incomplete or unverifiable information must beremoved or corrected, usually within XXXX days. However, a consumer reporting agency maycontinue to report information it has verified as accurate ''. XXXX account number XXXX, XXXX and XXXX should be reporting as UTILITY not revolving. XXXX acct number XXXX should have a zero balance and account number XXXX should have a balance of {$160.00} not {$380.00} reported. Due to the erroneous reporting since XXXX 2014, my credit score has suffered tremendously. Revolving accounts reporting as past due or late can damage a consumer 's credit report and in this case I have suffered severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Hyundai Motor Finance has inundated me with robocalls. I have asked several times ( as recorded in their system ) and I was informed they had sent me the itemized statement I asked for. I never received it and then asked them to send it certified so I can be 100 % certain it was sent. The person I spoke to said they would NOT be sending a certified letter as they dont do that. I want to see the debt I ow and they just keep calling as an attempt to collect a debt. The car has been paid in full as documented by my insurance company. The title has been released by Hyundai. Please help me get them to stop this nonsense. Thank you for your time.

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: EQUIFAX, INC.
State: AL
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:
I contacted them on XXXX XXXX, 2022 and XXXX, 2022 to provide to me the proper and original documents that I am legally responsible for the amount that they are trying to collect from me. I advised them to get back to me within 30 days and if they dont to remove the accounts off my credit report immediately. I did not give anyone written consent to pull my credit and they have failed to provide the proper documents to me within the 30 day guideline. I have disputed this same concern with XXXX, Equifax and XXXX and all 3 credit reporting agencies have failed to provide me with the proper documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Credit Management LP on XX/XX/23 stating I owed money to XXXX XXXX XXXX. at XXXX XXXX XXXX in the amounts of {$410.00} and {$470.00}. I believe these charges are erroneous and fraudulent. I wrote back to the Credit Management LP asking them to provide evidence of the charges including the service and date. They wrote a letter back without providing any evidence other than stating XXXX XXXX XXXX. is trying to collect a debt.

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 2023-01-05
Company: FIRST REPUBLIC BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I realized I never received a check for my security deposit from moving out of my apartment in XX/XX/2022. I reached out to my building manger, who informed me 'the office ' had issued me a check in XXXX and it had been cashed on XX/XX/XXXX. My building manager sent me a copy of the cashed check. It had a signature that was not mine and a Nevada DL # written on it that also does not belong to me ( I have a California ID ). The bank called the managing office, spoke to someone named XXXX who confirmed they had written a check of that amount to XXXX XXXX. The bank is claiming they did 'due diligence ' in confirming this transaction and are not responsible. I am suspicious the ID used was fake, and feel that should've been caught by them. The bank is First Republic Bank XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( This is the bank the check was issued from and also the bank where the check was accepted for cash ) My building management is only known to me by " XXXX XXXX XXXX XXXX ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
When I use my credit card, which is a Bank of America card, to withdraw a certain amount from my account the first time, by withdrawing from the machine normally, and if I use the same card to withdraw another amount on the same day, the machine refuses to give me the required amount even though there are sufficient amounts in my account, and this caused me several concerns. Sometimes, why don't I calculate from my account the amounts I want at a time, even if it is on the same day? Secondly, if I want to transfer an amount from my account via zelle to anyone, the bank refuses to complete the process, and this is a large number of the bank to the point that I became intolerant of this transaction

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