BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Throughout the pandemic, XXXX with hundreds of other Target RED CARD holderswere repeatedly locked out of online access to our accounts to make a payment and/or service our accounts; including changing AutoPay bank details, scheduling future payments, sending messages via the secure system, and changing personal contact details. Even after repeated attempts to rectify the issue with Target, no resolution was providedI was told simply to 'try again '. This Additionally, during this time, the Target Card Services Customer Service Line had hold times of 45-120 minutes, making it impossible to reasonably reach anyone for phone assistance. When reached, Target was aware of the problem but offered no fix. They declined to wave the late fees resulting from it, and instead aggressively pursued collection action, which pushed me into an escalating late status as my Minimum Amount Due increased each month by over {$70.00} ( including a {$40.00} Late Fee ) with no resolution to the matter still. Prior to this issue, my payment was a very manageable $ XXXX. Within 3 Days of my first late payment, my minimum payment became {$81.00} and they would not work with me, even though they openly acknowledged they had an issue with their site. I have found XXXX XXXX in factof posted complaints from other Target RED CARD users on this exact same issue. I have found responses posted from Target as far back as 2019 stating they were aware of the login issues with their site. Yet, another 15 complaints were registered about the same login issue just last week on various consumer complaint sites. Target has been 1 ) fully aware they have a login issue with their RED CARD that is creating problems for their card holders, yet 2 ) chooses to do nothing about it and instead penalizes its customers and even profits from the situation, and 3 ) continues to aggressively push the RED CARD to new customers through unreasonable quotas they demand of their cashiers, while knowing new customers will face these issues as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: CA
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:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018, I submitted a complaint with your company regarding MIDWEST RECOVERY SYSTEMS. The company is in VIOLATION because they are still reporting COLLECTION activity on my credit file. ( please see page 1 of evidence ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I have a auto loan I made every payment on since getting the car in XXXX. The dealership did somethings which has me needing a new car without wasting your time. Chrysler pre approved me for a new loan. I shopped around for a vehicle, and put {$23000.00} down. They approved the loan and gave a list of stipulations I complied with. After doing so they keep coming back each week asking me to do more things they didnt ask for at first when approving me. Today they wanted a phone interview even though I never applied for a job. I have had 3 car loans from Chrysler and they have never asked for a phone interview. They are doing This to prevent me from getting a better interest rate and a car that is not defected. I tried purchasing a new vehicle instead of complaining but Chrysler leaves no options. Spoke with XXXX XXXX and did a phone interview at XXXX her employeee id was XXXX she said that the deal would be funded. Then at XXXX they said I didnt do a interview. They lying

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
Barclays Wyndham Rewards Card ending in XXXX XXXX Stayed at XXXX  XXXX XXXX XXXX XXXX XXXX POINTS. NO CHARGE on checkout receipt. XX/XX/XXXX XXXX from XXXX of {$76.00} from XX/XX/XXXX on Barclay 's XXXX bill. Called Barclays, called hotel as they requested. Spoke with clerk, who confirmed no charges generated from hotel. XX/XX/XXXX Called XXXX, spoke with manager, who confirmed NO {$76.00} charge from hotel, points were used, emailed me copy of XXXX balance bill. Bill and cover letter sent to Barclays. XX/XX/XXXX XXXX dated XX/XX/XXXX from Barclays, NO credit due to " not provided with proof of altered amount or paid for by other means ''. Called Barclays supervisor XXXX, she confirmed that points were used for stay, stated this is not a disputed but a fraudulent charge, would place fraud report, close card, issue another one. New card received in 1 week. XX/XX/XXXX Same fraud charge on XXXX bill. Called XXXX at Barclays, he stated fraud refund was in process for XXXX. XX/XX/XXXX Amount of XXXX Bill, called Barclays, spoke with XXXX and her supervisor. They state dispute was closed, charge is due, no record of fraud report. I have been victimized by fraud and Barclays, was in XXXX NM on XX/XX/XXXX and have proof of points used and no bill from 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 2022-03-27
Company: CAC Financial Corp
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sometime in XXXX of XXXX  I went to the hospital and current hospital bill but I have Medicare policy number to XXXX XXXX XXXX  XXXX and I have North Carolina Medicaid policy number XXXX. What's really foolish about this is they rather send it to collection then accept my Medicaid and Medicare every time I try to talk on the phone and tell them I have Medicaid and Medicare they act like they don't even want to accept that and they want a credit card. I have Medicaid and Medicare and I had coverage back there in XXXX of last year I don't understand how come I'm in collection. Rather send the account to collection then accept my insurance. I don't know who's running this hospital or who's running this collection agency but I keep telling them what my insurance policy is and and they won't accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Self Financial Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Upon signing up for this service to help build my credit. I wasnt made aware of the amount of interest I would be charged. The problem happened when I decided to pay the remaining XXXX dollars of my XXXX balance needed to open my credit card account. Once you reached a savings amount of XXXX had XXXX months of on time payments with an account in good standing. You would be eligible to open the card. Upon doing so on XX/XX/2023. I had all three needed requirements completed. Noticing the updates on my account but no access to opening the card I contacted self. I was first told I didnt have the money and the payment I made applied to my interest and not my savings. The worker then came back on the phone after placing me on hold and told me that the money did go through I would just have to wait 5 days for it to process. I wait 5 days and within those XXXX days the money I had put into the account began to decrease. What was XXXX was not XXXX next day, XXXX the next day XXXX and today XXXX the XXXX XXXX. When I contacted them about the decrease I was told that money was being taken and applied to my interest. However with loans Ive never had this experience where money Ive already paid was continuously taken and added to my interest daily. Especially since this is a savings account. When asked how much they could not tell me an answer nor could they fully explain why. Upon learning all of this I feel this needs to be reported and looked into. They do not make customers aware of this when starting out. In essence it makes it difficult to save if your money is constantly being taken and used, especially when you make payments towards the interest and principal monthly. So what is the need for the extra being taken without my knowledge or consent? As of today even with all checklist marked off an account in good standing and a amount of over XXXX dollars saved up. I have still yet to receive my invite to sign up for the card. And my money in my savings continues to decrease. I just want to be sure all that is going on is legal and appropriate. I do plan on closing the account early but only once this is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Mr. Cooper Mortgage two times to ask a question about my account. I was told that the Mortgage Servicing Department was very busy and that I would be called back. I never received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
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:
Equifax refuses to remove a hard inquiry from XXXX XXXX XXXX  received on my credit report on XX/XX/2023. Ive provided supporting documentation that proves that the hard inquiry was unauthorized and a fraud attempt to obtain a line of credit under my Social Security number including a letter directly from the bank, acknowledging the fraudulent activity. Ive attached a letter from the bank also confirming that the hard inquiry was unauthorized and should be removed from all three credit bureaus. Equifax is the only bureau that refuses to remove the fraudulent hard inquiry on my credit report. I have been submitting disputes every day for this hard inquiry ever since it was reported on XX/XX/2023, but the results from my dispute is closed within hours, which leads me to believe no actual investigation was done regarding the fraudulent inquiry. I immediately initiated a fraud alert, and a credit freeze at all three credit bureaus due to this fraudulent attempt with my social security number and Equifax needs to remove this fraudulent hard inquiry from XXXX XXXXXXXX XXXX dated XX/XX/2023 from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to Transunion having inqiry issues the above accounts have been listed on my credit report I am a victim of misreported inquires I've asked that they be deleted imediatley

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 2023-07-31
Company: Avant Holding Company, Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Avant is intentionally, and maliciously refusing to provide me an online accurate ten day payoff on XX/XX/23. Instead, they informed me I need to schedule a payment. Plus, they intend to mail the payoff, advising me it can take up to fourteen days to receive to payoff letter. Clearly, this company is disingenuous, because I applied on line. Now, they are manipulating the payoff amount. Initially, they say, We are an online company! Now, they can ONLY mail the accurate ten day payoff. Needless to say, their unscrupulous payoff practices allows them to outright lie/STEAL, about the accuracy of the ten day payoff. For example, the ratchet promise to mail the payoff off is useless, by the time I receive it its outdated, more shenanigans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019 i opened a checking account ( including initial deposit of {$25.00} ) at SantanderBank.com, which came with a promotional bonus of {$200.00}. I never received the debit card and my account #, etc. I called Santander Bank twice the following weeks at ( XXXX ) XXXX. The representatives were Sarcastic, Rude and unwilling to solve the problem. I asked hem that if they don't want to open my new account they should refund my money. They were laughing and hang up the phone. It looks like that i am dealing with another Mafia Bank  authorized to be in business by a Corrupted Government.

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 2017-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 've pulled my credit reports and have noticed inquiries on my report that I did not authorize I 've contacted XXXX. About this matter and. And have not gotten any help with this matter. They have had many credit security breeches. And the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 found inquiries on my credit report that do not belong to 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 non-monetary relief
Consumer complaint received 2023-02-17
Company: Paypal Holdings, Inc
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:
I made a purchase throug Paypal on XX/XX/23 XXXX  using papal credit for {$400.00} The actual seller 's email is unavailable to contact, I contacted his partner - XXXX, by text and phone XXXX, he supposed to provide me the tracking # on XXXX, XXXX  and supposed to deliver priority mail 2-3 days, but he gave me a tracking number XXXX, which was incorrect number, next day I contacted to get the tracking number and today on XX/XX/23 XXXX, when I supposed to get my order he texted me at XXXX XXXX  asking me to wait XXXX minutes for correct #. Now is XXXX still waiting. I texted several times, no response. PayPal is moving so slow, when it is obvious that I will get nothing and start paying him his credit with high percentage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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.

The letters are stated with items and issues.

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 a 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 non-monetary relief