BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a checking account with TD Bank in XX/XX/XXXX, and I have previously had a checking account with TD Bank that was closed in XXXX. I opened the account with a promotion for {$300.00} for a new checking account with direct deposit terms while being not available to those who have not had a checking relationship within the past 12 months. ( See footnote 1 in the attached PDF ). I met the terms of the promotion, though TD Bank is denying me the promotional offer. I have secure messaged them multiple times from XX/XX/XXXX until now, and their response is that the offer was not intended for those with a previous checking account relationship at all. The problem is, that language was NOT in the terms of the agreement when I opened the account, and TD Bank is attempting to deny me the promotion based on language not in the contract they are trying to enforce.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Hi, Wells Fargo, car loan repossession within 45 days I had previously submitted a concern for towing charge and excessive fees during during 2016 for a repossession from Wells Fargo bank. It was determined that they were in the right and they " had contacted me. '' But the more I thought about it, there were automated calls that came through, but I never actually talked to a person. It seems to me that if a car is repossessed that I should have a chance to pay it. I had the money. It was late, but I was less than 2 payments behind and it was within 45 days. We were struggling and it did n't even dawn on me that a company could repossess a car that quickly. It completely shocked me, and after the fact it struck me as unfair.

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 2023-08-18
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am writing to inform you of a serious matter involving XXXX XXXX XXXX XXXX XXXX that has reported inaccurate and fraudulent information on my credit report. XXXX XXXX XXXX, XXXX, has forged my signature on a fictitious medical document and submitted a billing statement containing incorrect information. I believe their actions not only constitute a violation of forgery laws, but also a breach of my rights under the Fair Credit Reporting Act. 

Details of the fraudulent activity include a fictitious document titled " Patient Registration & Financial Acknowledgement Form '', created by the company themselves. As a result of this situation, I am disputing the legitimacy of any debt related to this collection agency and request that you promptly investigate and remove this erroneous information from my credit report. 
Attached are copies of the Forged Document, created by themselves, as well as the billing statement containing incorrect information. 
I kindly request that you take swift action to address this matter in accordance with the FCRA, and consider this a serious matter with disputing this information 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 2019-12-15
Company: Performant Financial Corporation
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt collection company called me out of the blue and stated that I owed a debt, that was more than 20 years old. The statue of limitations for collecting a school debt in Michigan is six years. When I spoke to them, they said, they were going to take my taxes and report me to the three credit bureaus. They the also stated that the debt has occurred interest day by day. The debt was twenty years ago. the amount owed they were claiming I owed was {$860.00}, they also told me I had a XXXX principal.

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 2021-09-13
Company: EQUIFAX, INC.
State: GA
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  is a collection company that is showing on my credit report, but it is a fraudulent account. I never entered in to a agreement with XXXX XXXX or the original creditor. My authorization or wet signature was never given by me to have a account started. This is fraudulent activity on my credit report and this account need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Dept Of Ed Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XX/XX/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 2017-06-30
Company: Credit Service Company, INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX aka XXXX XXXX XXXX based out of XXXX XXXX, Colo. <P/>I had a pre approved by XXXX XXXX services rendered in XXXX of 2013, I have no access to XXXX any longer i am subsequently divorced from my military husband. XXXX initally paid on these charges then resended them due to my divorce. Paid my deductables at XXXX, I find 4 charges on my credit report from the same entitiy .. I called XXXX and they state we tried to bill you you never paid, I moved and funny all my other bills followed me. I say well lets see how we can work on this, nope, its with credit now. I look they have billed it 4 differernt ways under 2 separate " XXXX " renewed it under a different name.. <P/>I have sent letters to the credit company that is on line with the bills, the two entities of the company that began the billing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: EQUIFAX, INC.
State: IL
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 disputed these accounts with the credit bureaus to no avail. these accounts do not belong to me and need to be removed. the credit bureaus are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 disputed these accounts with the credit bureaus to no avail. these accounts do not belong to me and need to be removed. the credit bureaus are in violation of the FCRA.

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 2019-12-15
Company: Experian Information Solutions Inc.
State: IL
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 disputed these accounts with the credit bureaus to no avail. these accounts do not belong to me and need to be removed. the credit bureaus are in violation of the FCRA.

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 2019-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These accounts arent mine. Please remove them.

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 2021-12-11
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I tried many times contacting my XXXX XXXX and XXXX loan place that my car loan is through via email and phone during the COVID-19 pandemic and I left messages too. No one wanted to help me with my car loan since I was layed off of work. 

Not to mention I have waited since XXXX for unemployment benefits that are in the rearrs of about {$10000.00} now that is owed to me and I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: FinCo Services Inc DBA Current
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a card from Current that I did not apply for. It is a Current Build card. My credit is frozen due to identity theft, but because this is a secured credit card they do not run a credit check, they just confirm applicant information is valid for anyone who inputs it. They do not offer any telephone support on weekends or provide contact info for their fraud department. Support is available only via email or their app, but to receive support via the app you have to create an account, which requires submitting private information like SSN, DOB, etc. When contacted via email, they demand the same private info be sent via email, which is an insecure form of communication. They do not offer alternatives to this and refuse to provide contact info for a fraud report. This is beyond irresponsible ; it is negligent and should be illegal. They should be required to provide a means of contact for fraud reports given that their actions 1 ) expose private information by confirming its veracity in issuing a card when info is submitted and 2 ) can negatively impact credit because they report information to credit bureaus when issues arise. They should also be prohibited from requesting PII or other similar information via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have found reported collections on my credit report file at XXXX and the entry reads The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been updated. 

Source : XXXX Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX I have tried to explain them that they made a mistake mixing my account with someone else. and they insist that its mine. I asked for verification and validation of debt. i get nothing expect that the bureau by passes and violates my rights under FCRA FDCPA and XXXX XXXX XXXX. They refuse to furnish any information or contract or anything that shows anything to do with me. I get nothing.. and Re-aged the Debt couple of times. with records availalbe to show while i was fighting they kept coming back with updated without any regards to what damage this done to my life. This should be first step of law suite . I assigned XXXX to handle the next proceeding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: Lloyd & McDaniel, PLC
State: IN
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 each of the weeks of XX/XX/2019, I inquired about an outstanding debt with XXXX XXXX. The debt was referred to XXXX XXXX XXXX XXXX, IN, who had the debt for an unknown amount of time, after which, it was sold to Lloyd & McDaniel of XXXX, KY. On every communication attempt, I have asked to please verify an outstanding debt that, according to XXXX XXXX , it is the amount of ~XXXX USD. The only response is that my account is on hold. 

I have an urgent business matter on hold that requires my obtaining information enough to include the outstanding amount within a real estate deal which calls for paying off the debt at closing. My home is currently securing the XXXX XXXX debt. In order to lift the lean, I need to provide the closing professionals with the address and amount of payoff. 

Please compel Lloyd & McDaniel to respond with this information as time is of the essence. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I sent a letter to discover financial services about an account that they are reporting on my credit report that I have no recollection of on XX/XX/2019 i had an affidavit signed and mailed to discover financial about the account ending in # XXXX on XX/XX/2019. I still have not got a response from discover financial only update i seen on my credit report was that the account was charged off instead of being deleted I will attach proof of the date my affidavit was created and also that the account was charged off instead of deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: MOHELA
State: TX
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:
My original loans were through Mohela. I consolidated my student loans. Mohela remained the servicer, while XXXX facilitated the consolidation. When I first applied for the consolidation, it was approximately XX/XX/XXXX. Only half of my loans were consolidated. I filed the paperwork in XX/XX/XXXX to have the other half consolidated. The process was completed in XX/XX/XXXX. My loan account now shows the correct amount but the interest rate is incorrect. It shows 6.375 % but it should be 6.0 %. I reached out to both Mohela and XXXX in XXXX of XXXX, at first both just pointed fingers at each other or said to wait XXXX more weeks until resolution. I then wrote out the below statement in email to XXXX. At this point, they wrote back to me that they had indeed sent the correct 6.00 % and correct amount over to Mohela. I am now speaking to Mohela who refuse to assist me, saying the loan rate should be XXXX. '' " Original consolidation was only my Grad plus loans at {$160.00}, XXXX at 6.375 %. The second half added into the consolidation, was the unsubsidized portions of the federal aid, {$180.00}, XXXX at 5.50 %. 

There is {$6800.00} in accrued interest prior to the covid interest pause. Its between a few different loans but for my math I just assumed it was the highest rate of 7.6 %. 

My loan window shows {$350.00}, XXXX at 6.375 %. The amount is correct but the interest is wrong. I believe when it was consolidated, the interest rates of the unsubsidized loans were not factored or taken into account. The weight averages of the loans is about 5.95 % from my math, which means the loan should be a rate of 6.0 %. 

Below are the original loan disbursements. 
Grad plus ( 6.28 % {$54000.00} ) ( 7.60 % {$7600.00} ) ( 7.08 % {$37000.00} ) ( 7.08 % {$12000.00} ) ( 5.30 % {$54000.00} ) Un-Sub ( {$43000.00} 5.280 % ) ( {$47000.00} 4.300 % ) ( {$44000.00} 6.079 % ) ( {$44000.00} 6.595 % ) " I have spent XXXX hours on the phone and trying to write emails to both companies. I feel they will just continue to kick the problem down XXXX XXXX and provide no assistance. Most recently, today - XX/XX/XXXX, I spent an hour on the phone before the agent said she was transferring me directly over to speak to someone else, I ended up being sent to an empty hold room that was never answered after waiting for additional XXXX minutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
at end of lease, turned vehicle in at XXXX XXXX, XXXX calfornia. car was in perfect condition. 

Dealer claimed vehicle to be in " great condition '' subsequenlty, BMW financial services charged me {$400.00} for undescribed " excess wear '' Tried to contact BMW financial, no success. 

at beginning of lease, had purchased policy to cover " excess wear ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against ( XXXX ) for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( XXXX XXXX ), can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( XXXX ) , continues its collection efforts, I will file for litigation for actual damages caused and ( XXXX ) , shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act, FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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