BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-21
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I had filed a complaint ( # XXXX ) with CFPB about spam mail I was repeatedly receiving from TD Bank. 
TD Bank responded by proving a link ( XXXX ) for permanently opting out of all spam mail.

At that time, I did use that link to permanently opt out of such mail. 
Today ( XX/XX/XXXX ), after almost 5 months, I have once again received another spam mail from TD Bank ( I have attached the front and back of the mail I received ). 
So, since I had already opted out in XX/XX/XXXX, why am I still receiving spam mail from TD Bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
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: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 

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 under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately

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 2022-03-16
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX-22 between hours of XXXX. I contacted creditors and credit bureaus. Inquiries on my credit report were made without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
When signing up for my BB & T debit card, I vividly remember opting out of overdraft fees. Two days ago I transferred money from my XXXX to my bank, they said it would only take hours when it really took days. When the money had appeared in my account it was far less than what I had transferred. They charged me and overdraft fee. But how can this be? I thought you said you opted out of the overdraft fees? You're right, I did do that. These scammers take your money even after you've said you don't want your account charged after you don't have money left. This is XXXX disgusting and no one is doing anything to stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had filed a claim with the CFPB to resolve the debt with the National Credit Systems ( Claim XXXX ). The debt was confirmed and NCS responded to the claim with the amount due. I agree with the result of the claim and proceeded to try to pay NCS the disputed amount. Their online portal will not allow me to pay the debt as it has a system error that has still not been resolved. When entering the amount that is due along with my SSN, their site returns an error of " Arithmetic overflow error converting varchar to data type numeric. ". This error has existed for weeks now with no resolution. When calling their Customer Support number directly, the same error occurs in their internal system and they can not locate my account despite being provided the amount that is due along with my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: Experian Information Solutions Inc.
State: UT
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-08-25
Company: EQUIFAX, INC.
State: IL
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:
I notified XXXX XXXX and Equifax and XXXX  About fraud accounts and I also notified the companies that these companies did not have my written consent to report to any 3rd parties and or share my information with any 3rd parties. 15 USC 1681 ( a ) accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer Reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 15 USC 1681a ( 2 ) EXCLUSION - EXEPT AS PROVIDED IN PARAGRAPH ( 3 ) THE TERM " CONSUMER REPORT " DOES NOT INCLUDE ( i ) REPORT CONTAINING INFORMATION SOLEY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 I deposit a check on my Chase bank checking and they put a hold on my account. I had {$100.00} on my checking account before I deposit the check. On XX/XX/2023 I decided on doing my laundry however Chase bank account was put on restriction. I called them and ask why? And they told me that because I deposit a {$5600.00} and they still need to get it verified. So I ask why would they restrict the whole amount. Asking if I can just use {$100.00} to do my laundry. They still keep bringing up the {$5600.00}. The person wanted to talk to the owner of the check they said theres not enough info about the check. I told them not to worry about the check not right now and just give me {$100.00} so I can do my laundry. They told me my account was restricted because of the check. The conversation was just going in circle to the point I just got irritated. They told me theyre giving me a red flag and hang.up. I called again. Ask me if I didnt want the {$5600.00} and they need to talk to the colleagues. I ask the same question how is the check {$5600.00} have something to do with my {$100.00}. They told me I shouldnt ask that question and they would hang.up on me. Which they did. I called again. This time it was a female. She clearly explained it to me. She told me that I can go to the branch and get {$100.00} to show them my I.D . And card. Also, the banker told me to call the bank owner and tell them to cancel the check. also, she ask if she can get the telephone number of the owners check. Which I also did. And then they said they cant call the owner because the phone number is not in the business. I told them that I was really disappointed about the transaction and planning on closing the account in chase because I am paying {$5.00} every month so I can have an easy banking. The banker then told me that if I dont cancel the check they will keep the money and charge me with fees.So I did what she told me. The owner of the check told me the money was already taken out from the bank and they cant cancel it. ( XXXX XXXX ). Also, went to the chase branch And the banker told me the account is still restricted. As of today, its been 1 week the funds are already available to my account however the bank still restricted my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Experian Information Solutions Inc.
State: NV
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 RECENTLY REPRTED A INACCURACY ON MY CREDIT FILE FROM XXXX XXXX AND I FILED A COMPLAINT WITH THE XXXX NEVADA AS WELL THIS IS INCORRECT OR INACCURATE INFORMATION I AM ASKIMG THAT SLL 3 CREDIT BUREAUS DUE THEIR DUE DILIGENCE AND INVESTIGATE OR REMOVE THIS ACCOUMT FROM MY CREDIT FILE ASAP!!!!!!!

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 2018-02-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Student loan company called XXXX is reporting an amount and late payments on an account that is closed and has been charged off. They are reporting to different amounts I only had loans with XXXX XXXX and they loans were federal loans and not private loans the first amount is {$71000.00} and the second amount is {$79000.00}. Also they are reporting to the CB every month as late and it's effecting my credit score in a huge way, which can effect my employment. I've already placed an dispute with the CB. As well. I would like to have this account deleted off my account because I do not owe this amount of money with them.Also the late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 was a victim of Identity Theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. Ive already filed an FTC report. 

The inquiries are : XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX  - XX/XX/2023

Company response to consumer: In progress
Consumer complaint received 2023-06-06
Company: Shellpoint Partners, LLC
State: IL
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:
usc 1681 section 602 states I have the right to privacy usc 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction us code s 1681a definitions rules of construction exclusions : except as provided in paragraph the term consumer report does not include any report containing information solely as to transaction or experience between the consumer and the person making the report usc 1666b - a creditor may not treat a payment on a credit card account under an open-end consumer credit card account as late for the purpose XXXX credit card, New Rez Shellpoint late fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Acct 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 : 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 non-monetary relief
Consumer complaint received 2019-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Step 1 : What is this complaint about? This complaint is about Wal-Mart selling their credit card account to capital 1 and as a result, my credit score dropped 23 points in one day from XX/XX/19 to XX/XX/19. I had nothing to do with them selling the account so why should I be negatively effected by this as the account was moved from my experian account. 

Step 2 : What type of problem are you having? When Walmart sold the credit account to Capital One, either Capital One or Wal-Mart closed out the account on my XXXX  credit report and it is possible that the other credit reports will be effected tomorrow XX/XX/19. If I didn't make this decision to close out the account, why should i be negatively effected by it. I am in the process of buying a house and 23 points in one day is mind blowing. By them closing out the account it messed up my credit utilization and my score went down 23 points. I was not notified of this and it is not fair.

Step 3 : What happened? My score went down 23 point in one day on my XXXX report and it is a possibility the other reports will go down tomorrow. This is a huge inconvenience.

Step 4 : What company is this complaint about? Wal-Mart, Capital One, XXXX XXXX, XXXX. 

Step 5 : Who are the people involved? Myself was effected by Wal-Mart, Capital One, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: Financial Data Systems
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2020-03-10
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been, and continue to be, adversely impacted by Navient misreporting and inappropriate billing practices. Forbearance was encouraged on multiple occasions having been applied to original loans with Salle Mae without my authorization. I have been enrolled in an income-based repayment plan since XXXX. I re-submitted paperwork for this plan prompting me to investigate the status of my application. According to the Federal student aid website, my loans show forbearance status for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. My servicing institution shows now as XXXX  no longer Navient. The change to my loan was never reported to me by Navient, repayment months status shows as N/A and months in repayment N/A. I have not been able to clarify what the status is nor was I notified of any change. 
My original loans incurred with Salle Mae for medical school. During my medical residency training, immediately following my medical school education, I was not able to begin repayment on my loans due to financial hardship. Initially, my loans were incurred with Salle Mae and eventually acquired by Navient. I was never provided Income based repayment as an option when with Salle Mae and was encouraged to accept forbearance with Navient when my loans were acquired. My original loans were consolidated into a FFELP loan which has grown from XXXX to over XXXX while with Navient. I have made multiple attempts to deifier the fees and changes applied to no avail. 
When my Salle Mae loans were acquired by Navient ( XXXX ), a Navient private loan representative informed me that my private loans would be handled differently with Navient. I was told it would be in my best interest to make the one time only lump sum payment to take care of my private loans. I made the requested payment, just under {$30000.00}, to have the private loans discharged. I made this payment and requested documentation and was never provided supporting documentation for that transaction. In XX/XX/XXXX I received an email stating I had a message in my Navient inbox. I was sent the 1099 forms related to my private loan dischargeable amounts required for IRS reporting purposes. But no other documentation. Days later, I contacted Navient requesting private loan discharge supporting documentation specific to the 1099 forms received and was told I would be sent that documentation. To date, I have not received the paperwork related to the private loan discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Chime Financial Inc
State: NJ
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:
On Monday XX/XX/2021 I got a charge from XXXX.XX/XX/XXXXXX/XX/2021 for XXXX on my Chime Account. 

I did not make this purchase This is Not a real website. 
I filed a claim with bank XX/XX/XXXX. 
They denied my claim XX/XX/XXXX. 
I appealed XX/XX/XXXX. 

Ive called multiple times since XX/XX/XXXX, it was escalated multiple times. Now its XX/XX/XXXX and I still havent heard anything. I called them and they said they sent a email on XX/XX/XXXX. I dont have this email, they wont tell me where it was sent. I also contacted XXXX and they said that site isnt affiliated with them. 

It was denied again XX/XX/XXXX as per representative. Once again I was not informed of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I reported the following transactions to Venmo as fraud : XX/XX/XXXX {$500.00} was sent to XXXX XXXX. 
XX/XX/XXXX {$150.00} was sent to XXXX XXXX. 
XX/XX/XXXX {$1000.00} was sent to XXXX XXXX. 
XX/XX/XXXX {$1300.00} was sent to XXXX XXXX. 
XX/XX/XXXX {$1500.00} was sent to XXXX XXXX. 
XX/XX/XXXX {$1000.00} was sent to XXXX XXXX. 
XX/XX/XXXX {$500.00} was sent to XXXX XXXX. 
XX/XX/XXXX {$500.00} was sent to XXXX XXXX. 
XX/XX/XXXX {$300.00} was sent to XXXX XXXX. 
XX/XX/XXXX {$320.00} was sent to XXXX XXXX. 
XX/XX/XXXX {$500.00} was sent to XXXX XXXX. 

For VENMO to come back and say that these transactions were " not unauthorized '' is completely wrong. During these dates I was serving my country on a XXXX in the XXXX XXXX XXXX XXXX with no access to the internet or to my cell phone. I have attached my statement of service stating that I was onboard a submarine during these dates. I DID NOT authorize these transactions and I am a victim of identity theft. I was severely and maliciously defrauded. I have attached police reports that document that the person who did this is a con artist / serial defrauder. And the person who did this sent this money to her two daughters - XXXX and XXXX XXXX. I also found that a bench warrant was issued for this person 's arrest in XXXX ( also attached ) for contempt of court in a case where she stole the identity of a service member serving in XXXX and she opened multiple credit cards in this persons name. She also opened 5 credit cards in my name and so far XXXX XXXX  has recognized that I was defrauded and they had the XXXX entry deleted from my credit profile.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06
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: Information belongs to someone else

Complaint:
There are various different false collections and auto loans that happen to be appearing onto my credit report and I would like to get them removed... There is one from XXXX XXXX XXXX that was opened XX/XX/2020 that I was not aware of until just recently when I tried to acquire things with credit and saw that my score had dropped tremendously throughout the past few month with out me noticing because I was trying to build it and not spend any credit for the time being as I saved for a home. It turns out the XXXX was repossessed from whoever was the owner but for some reason my credit and consumer report were attacked. I had my information breached onto the dark web a few years back but I had no clue it could get this serious. There is also a collection from XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX XXXX XXXX  which I would assume is an apartment complex. Thing is i've never lived in this complex it seems like maybe my information may have been falsely used. When i call the complex to ask about proof of Me being the person who signed ( knowing that i wasnt ) they never send me any documentation saying that I was the one who signed a contract ... because I didnt.. I would really like to get both of these removed from my credit and consumer report as its been hindering me from finally getting the home i was ready to put a down payment on and various other things that require credit.

Company response to consumer: In progress