BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: TD BANK US HOLDING COMPANY
State: ME
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 PLEAE DO NOT ALLOW TD BANK TO CLOSE THIS AFTER 1 DAY FALSELY CLAIMING THIS AS A DUPLICATE COMPLAINT. THE DISPUTE IS VALID AND THEY ARE BREAKING THE LAW BY REFUSING TO INVESTIGATE AND REMOVE THIS FRUAD ACCOUNT. 


TD Bank issued credit to third party for XXXX, unknown to me, without my knowledge or consent. I have lived and worked in XXXX since XXXX and before that I was working and living in XXXX. This account appeared on my credit during a routine security clearance check in XXXX, of XXXX. I disputed this with TD Bank, and provided proof that I am in XXXX now, since XXXX, and in XXXX before that. 

TD did not investigate at all. They again reposted this on my credit profile, knowing it is a fraud account again in XX/XX/XXXX! 

This is, and never was my account. I can lose my security clearance and my job due to TD Bank 's multiple error 's and continued false reporting of an account that I do not have with them.. 

I am again sending you my IDs showing where I am and have been since XXXX. 

Please santion TD Bank for posting slanderous details about me, that are for an account that ism and never was my account. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment is withdrawn from my account on the last day of the month prior to the month that is due. I am currently in the process of refinancing my loan so I logged into my account to check my payoff and noticed that my account is still showing due for XXXX/XXXX/2020. I logged into my checking account to verify my bank sent the payment just like every month prior. Sure enough on XXXX/XXXX/2020 payment left my account and was transmitted to Planet Home Lending. I called planet home lending and advised that my payment had not posted and they advised that they had not received any payment from my bank. I hung called my bank and advised that Planet Home Lending is saying they have not received the payment. She researched it and provided me all the info regarding the payment along with the transfer ID for the electronic payment. I then called Planet and provided this information to them and they advised they would submit to the accounting department but that it may take up to 10-20 business days ... .... Not sure what to do as the only way to avoid late payment fees and a XXXX day late hitting my mortgage is to make another payment for what I already paid. I have read many customer reviews and I am seeing that if you try to refinance your loan and not use Planet home lending they are doing things like this to make it difficult to complete the transaction. Any help to have this payment posted would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions captial one I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX XXXX XXXX, XXXX, and XXXX tried calling and got the run around XXXX XXXXXXXX XXXX XXXX  XXXX no answer I dont use XXXX XXXXl You check credit XXXX I don't know who this company XXXX XXXX don't have no knowledge XXXX XXXX I don't have knowledge

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 2020-08-11
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX, XXXX, and XXXX tried calling and got the run around XXXX XXXXXXXX XXXX XXXX XXXX no answer I dont use XXXX XXXX You check credit XXXX I don't know who this company XXXX XXXX don't have no knowledge XXXX XXXX I don't have knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 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 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 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 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 2020-08-11
Company: LendUp Loans LLC
State: OH
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:
XXXX i have no knowledge of this inquiry please remove. I'm trying to buy a house. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Walmart i have no knowledge of this inquiry please remove. I'm trying to buy a house. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I called my bank twice about some fraudulent activity I noticed on my account and got a letter back from them stating that they couldnt help me, the days I got the letters were on XX/XX/21 and XX/XX/21. The total amount that has been stolen from me is {$10000.00}. Ive even called Wellsfargo multiple times to see why they couldnt help me get my money back and they say we found it was made by you or someone who had your permission Ive learned through research that response is not a valid excuse as to why I cant receive help or receive my funds back. Wellsfargo wont even tell me how they came to that conclusion. After some research on if I was the only one to be going through this Ive found out that Wellsfargo has done this exact same thing of not helping people get money back theyve lost due to fraudulent activity to countless other people, Ive learned the bank does this so that they can keep the funds for themselves which is not right. I deserve to have the money back that was stolen from 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 2021-03-31
Company: Data and Contact Management Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I, XXXX XXXX, executor of estate of XXXX XXXX called DCM Services , LLC on XX/XX/21 & XXXX XXXX answered. I informed XXXX XXXX of my identity & I was calling to inform him that the estate of XXXX XXXX was insolvent in accordance with North Carolina General Statute 28A. XXXX XXXX asked if there was any real estate that could be sold to satisfy debt. Then, he asked if there was vehicle/personal property that could be sold to satisfy debt. Finally, he asked the question if there was any life insurance proceeds that could be used. It is illegal for a debt collector to ask a decedent 's relative to use life insurance proceeds to pay for the estate 's debt. I asked him about next steps/paperwork to finalize this claim, he said there wasn't any. 

I called again on XX/XX/21 & spoke with XXXX XXXX again. I followed up about estate insolvency and asked about paperwork to get the claim settled. I had to press him for an answer while experiencing XXXX XXXX hateful attitude and belligerence. Then, XXXX XXXX informs me the methods I could deploy to request a withdrawal of claim. I questioned him as to why didn't he mention the withdrawal of claim form to me on XX/XX/21 when I called him and he didn't answer my question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX was the star of fraud claims against my Paypal account. i opened disputes telling Paypal that i am not a seller, do not have an internet store and to not accept these claims.The claims were for exact amounts $ XXXX, contained no description of item and often notices came in French language. 

I called the Paypal phone line in California, went through the auto-menu process, they do not have live persons handling the phones due to Covid and still charges/refunds were being made. 

after a week of not shutting down the account to stop the crime i sent a certified letter to the company which was recieved but i havent had a reply from them in over 3 weeks.

i am reaching out to the CFPB for help. there is an internet criminal that is taking advantage of PAYPAL, some innocent buyer and myself. Currently the loss of monies is over {$1000.00}. that is just my loss i imagine that the criminal is doing the same to others making millions of dollars off of cyber crime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2018 I was charged a late fee despite having set up auto pay. The auto pay function is unfair, deceptive, and abusive. It requires a creation of an automated bill, and then it auto pays based off that bill. But the BOA interface never really makes it clear whether you are good to go on making your desired payment. It gives you boxes such as " you may need to make a payment '' instead of " you need to make a payment. '' This makes it difficult to commit to making a payment because you don't want the money taken out of your account twice, and BOA does not have the proper controls to stop that from 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 2023-10-18
Company: EQUIFAX, INC.
State: CA
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:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$57.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 obtain a copy of my credit report and noticed accounts i did not authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: ACS Education Services
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I graduated in 2003, and immediately started repaying my Student Loans. I was paying ACS monthly in the amount of {$280.00} for over a 10 year period. At the end of the 10 year period I attempt to get a Public Service Loan Forgiveness and was denied, although I never missed a payment nor was I ever late on a payment. I was informed at sign up that I was enrolled in the Loan Forgiveness program. I have since had my loan serviced by 2 other companies, currently with XXXX XXXX. I have been trying to investigation where my funds of over {$34000.00} were allocated, as my student loans balance is still {$35000.00} only a few XXXX less than what it was before I started repaying in XXXX. 
I need help with Contacting ACS or Conduent  to track my payments. I am still being denied for Public Service Loan Forgiveness and I have been on the job now for 23 years. 

Please assist with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Date Opened XX/XX/XXXX Balance {$1400.00} XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$2900.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}

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 explanation
Consumer complaint received 2021-05-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
In XXXX I purchase a cruise reservation with XXXX XXXX XXXX for a total of {$11000.00} ( see statements and account summary from XXXX to XX/XX/XXXX ). Some time later I received communication from them that they are postponing the cruise due to Covid and they rescheduled it. As the next cruise approached in XXXX I received another call that they would have to cancel that cruise as well. This time I asked for a I asked for a refund and XXXX XXXX was very helpful ( see letter from XXXX XXXX chief marketing office ). In XXXX of XXXX they refunded my {$11000.00} to my Citi XXXX XXXX card. Please see statement attached, On XX/XX/XXXX of XXXX the {$11000.00} showed up on my Citi Visa card as a credit ( see statement cardholder summary from Citi ). 
I called Citi and asked that the {$11000.00} credit be placed back in my personal checking account. They agreed and said it would take three to five days. I've waited and it has not shown up. I called again this morning and was transferred several times. Finally it was escalated to a woman named XXXX team XXXX fl. She gave me a different story. First she said it takes longer than that. When I asked why she said they were waiting on the refund department conditions? She didn't know what conditions. She became rude and said I'd just have to keep calling back. I asked for her contact information. She said she doesn't have a phone. She said she doesn't have an email. She put it back on me to find the exact dates of the payments to XXXX. After we hung up I pulled up my records and found the dates. I called back and got someone named XXXX. We asked for XXXX. He couldn't transfer us. We told him we had the information XXXX wanted. He didn't want to take it. He said the dates have nothing to do with it? They had so many excuses it didn't make sense. He said they are waiting for refund department. I asked to speak to the department that does refunds. He said no. They don't have a phone. I'm sure this is happening to thousands of people trying to get their refunds. During this difficult time we can't afford this cruise money to not be refunded.

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 2022-12-19
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had XXXX credit cards opened in my name that I did not know of, this is affecting my credit report because it is incorrect information that is being used. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone bought a car under my name and there was lots of inquiries under my credit report now I have invalid debt on my report showing XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company keeps unrelentingly calling me daily and sometimes multiple times a day. It has been over a year. They claim I have debt or mortgage due but it is not my debt or mortgage and they have not proven it was mine. I have asked them to stop contacting me and calling me but they continue. I have been threatened that I will be arrested if I do not follow instructions. I have blocked their number but the company keeps calling me under multiple numbers! Blocking them does not help. Please tell them this is harassment and to remove me completely off their call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent out a validation letter requesting validation of debt. In the letter I asked XXXX Care Credit ( XXXX XXXX ) to validate debts by providing me with 1. agreement with creditor that authorizes collection on debt 2. agreement bearing my signature stating I agree to assume debt 3. valid copies of debt agreement stating amount and of debt and interest charges 4. proof that the statute of limitations has not expired & 1. complete payment history along with an accounting of all additional charges 2. proof they are licensed to collect in my state 3. license numbers and registered agent 4. cease any credit bureau reporting until the debt has been validated by me. 

As of XX/XX/XXXX I have not received a letter in response to the validation request however on XX/XX/XXXX the collection was updated to the Credit Bureaus

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