BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX I was notified of a delinquency with my TD Bank mortgage account via credit bureaus. I immediately contacted TD Bank and spoke to a costumer service representative who stated that my account was reported late because the payment I submitted on XXXX was insufficient due to an increase in Escrow. In all honesty I told them thats not considered a late payment being i paid on time.I proceeded to explain to the representative that I never received any correspondence informing me that my monthly payment or Escrow was increasing and that the application use to submit monthly payments doesnt specifically tell you what is the minimum monthly payment due but instead it gives the customer the option of inputting his/her desired amount of payment. My mortgage is usually {$2500.00} but i normally would send {$2600.00}. Furthermore the representative told me that if I made a payment of XXXX it would make up for the shortage of the mortgage Payment for XXXX and all she would have to do is reverse the transaction to show payment was satisfied for month of XXXX and it shouldnt be reported to credit bureaus. Ive reached out to Td Bank consumer credit dispute department via mail and just received their decision that they wouldnt remove the delinquency even though I explained to them that payment was and has never been late and I never received communication from them until the following month after delinquency was reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankrupcty on my credit report is illegal and damaging to my credit score.

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 2019-11-14
Company: Experian Information Solutions Inc.
State: GA
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:
There are several accounts that are inaccurately reporting late on my credit file. 

XXXX, XXXX  and Experian is reporting that I was 30 days late with XXXX XXXX XXXX  in XX/XX/XXXX and XX/XX/XXXX when I was not. 

XXXX XXXX is inaccurate showing that I was 30 days late with the following credit agencies : XXXX  - XX/XX/XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX XXXX  - XX/XX/XXXX and XX/XX/XXXX Experian - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX  is inaccurate showing that I was 30 days late with the following credit agencies : XXXX  and Experian - XX/XX/XXXX XXXX  - XX/XX/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 2021-09-02
Company: EQUIFAX, INC.
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:
Equifax, XXXX XXXX, XXXX, XXXX XXXX  and etc. never investigated inquires and they willing knew it was a violation of my rights so they are criminally liable and Civil liable pursuant to 616 15USC 1681n civil liability for willful noncompliance any person who willfully fails to comply with any requirement imposed under this title with respect to XXXX XXXX is liable to that consumer in an amount equal to any actual damages sustained by XXXX XXXX as a result of failure and in the case of any successful action to enforce any liability under this section the cost of the action with resonably attorney fees as determined. The Bureaus ( XXXX, equifax, XXXX, XXXX  and etc. ) deletion is admittance to them reporting fraud information on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: MI
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 the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 XXXXXX/XX/2022 DEPT OF ED XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: EQUIFAX, INC.
State: IA
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 am disputing accounts reported by XXXX XXXX XXXX XXXX XXXX ; Account XXXX {$460.00} and Account XXXX. Certain transactions on both accounts were not authorized as well as duplicate charges for a hotel reservation. I contacted the original creditor XXXX XXXX XXXX about these transactions. XXXX failed to dispute those transactions and closed the account and sent these two accounts to XXXX XXXX XXXX XXXX , XXXX . I demand verification of debt. These two accounts were reported on my credit files on XX/XX/XXXX while these two accounts were still open and active. I received letter from XXXX XXXX XXXX XXXX XXXX that was forwarded through the postal service XX/XX/XXXX. The letter was dated XX/XX/XXXX with the default date of XXXX XXXX. In the letter XXXX XXXX XXXX XXXX , XXXX. stated This account may be reported to a Credit Bureau but no sooner than 90 days. That statement was FALSE as they reported to the credit bureaus on XX/XX/XXXX. Their letter was dated XX/XX/XXXX. Accounts XXXX and XXXX were closed by XXXX XXXX XXXX the second week of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America will not accept a cash deposit on a current account holder 's account unless the individual making the deposit on behalf of the account holder has an existing account with Bank of America. On Sat. XX/XX/XXXX a {$500.00} deposit was made to my account in the form of a money order. It was not applied until Tuesday XX/XX/XXXX. On Monday XX/XX/XXXX I made three separate deposits to my accounts. The third deposit was made at an ATM around XXXX, at which time my account on line reflected a positive balance. Then the following morning XX/XX/XXXX my account reflected several items coming through, including 3 overdraft fees totaling {$100.00}, all before my final deposit was credited to my account and before an ACH deposit of {$3000.00} was credited Bank of America intentionally manipulated my deposits and the drafts to my account to cause an overdraft scenario. When I called to ask that they refund the overdraft charges to my account they refused even after speaking with a customer service associate and a supervisor.

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 2019-03-05
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/19, I wanted to unfreeze my credit to apply for a loan. However, my Equifax online account was not accepting my password, so I was locked out after 3 attempts. I phoned the Equifax customer service who sent me a reset password link. After successfully resetting my password, I attempted to login again ( one time ), and it said I was locked out. I called Equifax 's customer service again, who immediately placed me on hold to " access my details ''. After a few minutes, the represented returned just to ask if he could place me on hold again. Eventually he returned and offered to send me another password reset email. I explained I had already done that and was still locked out. He placed me on hold for a 3rd time to " access my details ''. Multiple times throughout the call he had long periods of silence. I then explained I wanted to unfreeze my credit ( forget about resetting my password completely since that was entirely unsuccessful ). He proceeded to follow the process to unfreeze my credit and started asking me verification questions. There were literally *minutes* that went by that he would not say anything in between. And, he'd repeat the same questions again. One question which I felt uncomfortable with was " Do you have any credit cards? '' To which I answered yes. But there was no follow up question. Finally, I asked to be sent to the phone survey, and he would not hang up. He finally just concluded by saying he has a process to follow and he was unable to verify my identity. I clearly asked to go to the survey and to be disconnected. I stayed on the line, but was never sent to the survey. He never unfroze my credit, and never helped me reset my password.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On or about XX/XX/2018 I submitted a dispute to Transunion on the following items below. To this day Transunion has not responded or investigated the following issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

Transunion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report.

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 2023-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The Capital One Vista Card has been block for fraud and someone make a payment and reversed it my accounts been blocked 8 months

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Synovus Bank
State: FL
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:
Please account was open fraudulently without my consent. I have contacted the company numerous times to let them know. I did not authorize this account to be open under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019, around XXXX Eastern Time, A guy by the name of XXXX XXXX promised me he could make me more money so I transferred XXXX $ on XXXX. It sounded legit because I had to go through my bank to sign on and give them money through it. I trusted him so i did and he then told me he got it and I would recieve a larger payment soon. He then blocked me on every website and all I have is his name and phone number. I asked wells fargo for a refund, and now im locked out of my account and I called XXXX and told me they couldnt help 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 2021-06-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experien has frozen my access to Social Security. I have tried to call them to find out what information they need from me to allow me to get into Social Security, but there are no humans on the phones. All I get is robots asking me the same questions, and sending me round and round in circles. It's a simple question, but it's not on their " list '' and I can't talk to anybody to ask it.

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 2019-03-05
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
PayPal gives little indication it collects a foreign exchange fee of almost three percent for a purchase in foreign currency -- the purchase page defaults to a converted amount in USD, with only a subscript conversion rate and an ambiguous link to " View conversion options. '' Only elsewhere on PayPal 's website does PayPal indicate it makes money from currency exchange ( marketed as " competitive with rates used by banks '' ), which led me to call my bank after a purchase on XX/XX/2019 for XXXX GBP and learn PayPal took XXXX USD as an exchange fee. A quick search shows numerous other complaints on PayPal community forums and news articles about PayPal 's ambiguously disclosed foreign exchange fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: CountryPlace Acceptance Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
this is an on-going problem with this company. I live in a XXXX XXXX XXXX and if the lot rent is not paid by the XXXX - their late fee is like {$100.00}. My mortgage late fee is {$5.00}. 
I only get paid twice a month so I paid the lot rent on my first pay and the mortgage on the 2nd pay of the month. I never go over 30 days. I email an ACH authorization form over in the beginning of the month telling them which day to deduct the money. 
no problems until recently when I noticed a couple months ago the money did not come out as scheduled ( always a Friday ) I had to call and they had to search for it and get it processed. Then this month I sent over my authorization form telling them to deduct the money on XX/XX/XXXX ( 2nd pay of the month ). they did it today causing my account to overdraw and cost me {$50.00} thus far. I called and no one is available to speak to. 
Since they were not authorized to draw money from my account until the XXXX what course of action do I have?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05
Company: JPMORGAN CHASE & CO.
State: DC
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 hired a flooring business called XXXX, XXXX to redo my floors. The project cost was {$14000.00}. The contract stated {$7000.00} upfront and {$7000.00} at the completion of the project. Halfway through the project XXXX due to negligence caused a flooding and used unauthorized building materials. When the management company of the building confronted them they abandoned the worksite. XXXX ran two more charges on my credit card for {$1600.00} and {$3500.00}. These charges were not authorized and a lawyer has determined that they are unlawful. Chase claims that because XXXX had my credit card number for the initial charges the subsequent charges are not unlawful. They also claim that it does not qualify as a merchant dispute as the merchant is not willing to cooperate. I had to hire another company to finish the project for {$5000.00} and XXXX caused approximately {$13000.00} in damages to the unit. The new company was called XXXX XXXX and they charged {$5000.00}. 

Chase has more than 40 pages of documentation including the contract, photographic images, invoices and estimates for damages, insurance letters etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12
Company: ID Analytics, Inc.
State: GA
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:
Upon reviewing my current consumer report, despite numerous attempts requesting that this consumer reporting agency investigates the erroneous items on my file, I still see inaccurate, incomplete, and just plain incorrect items on my report. According to the FCRA all accounts reporting must be 100 % accurate and complete. The following accounts showing on my consumer files are showing INCOMPLETE account numbers with a few numbers and ending with stars or asterisks. This is INCOMPLETE reporting and a direct violation of the FCRA and it also goes against XXXX XXXX compliance. Please DELETE any and all Fraud Alert Personal Statement and Fraud Alert Phone Number from my consumer report as I will continue to keep my consumer files frozen on my own accord. Unverified Accounts Please DELETE the following accounts from my consumer file unless you can furnish an original contract with my signature since they are NOT REPORTING and they are INCOMPLETE as the account numbers are INCOMPLETE and cant be verified nor validated as belonging to me as they are not complete and all end with asterisks. This is a major violation. 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 XXXXXXXX XXXX - XXXX. I appreciate your prompt attention to this matter. Please send me a letter after you have deleted the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not indebted to Cain & Weiner Company, nor XXXX XXXX. The policy that had with the alleged company I canceled after 10 years. I immediately purchased another insurance policy with another company, which I currently still have. I DO NOT OWE {$130.00}. I disputed this with them and they are still sending letters, and appearing as a negitive on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: GUARANTEED RATE INC.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am trying to get help through the Arizona Department of Housing, Hardest Hit Funds Program and my lender Guarantee Rate is not a participating lender. Arizona Department of housing is willing to help me if my lender provides a reinstatement quote with a 30 day good through date and my lender is rejecting sending that information to the Arizona Department of housing or to my housing counselor XXXX with Administration of Resources and Choices her number is XXXX. Our names are XXXX and XXXX XXXX our phone number is XXXX. Please help me get a Reinstatement Quote with a 30 day good through date so I don't loose my house.

Company response to consumer: Closed with explanation