BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I filed a complaint against TD BANK on XX/XX/2018. # XXXX The Bank reversed 2 overdraft fees total XXXX. I go on my online banking this morning and much to my surprise the bank reversed my provisional credit to make my account once again in the negative of XXXX. It is Retaliation about the complaint I filed with The Consumer Financial Protection Bureau. I made a Purchase online and it had to be returned I called the bank and started a dispute I than heard from the company through a bad review I had left and called the bank and told them I will receive credit back from the company, I received a letter from the bank disputes and fraud dept I faxed all paperwork back to them telling them the company never paid for returning this set and its 80 pounds i just cant move it. The bank said I will hear in writing about the decision. This morning without notification TD Bank reversed the credit and caused my account to be once again in the negative. I HAVE NO GAS, NOR MONEY TO GET TO WORK. WHEN ARE THEY GOING TO STOP THERE SHERADES. THIS IS ALL RETALIATION. Isnt coincidental that this happened the day after the complaint was filed?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29
Company: EAST WEST BANK
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, The East West Bank closed my account suddendly and transfered money from my account without my consent on XXXX XXXX XXXX. They transfered total {$4400.00}. A total of night transactions. I have no idea why they can taken my money to transfered to other company and it is already my personal property. The money from faire.com, we sell the product there, we shipped the product and we get the payment. It is unacceptable to transfer my money away privately by The East West Bank. They need to compensate me for this loss. we tried to communicated more times with bank they don't have any answered about this transaction. the customer service said they don't know as well. it is ridiculous. My request is for the bank to refund the money for these XXXX transactions in my account, a total of {$4400.00}. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: FISERV INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I received a letter in the mail from TRS recovery services saying they are collecting debt credited by XXXX XXXX XXXX Principal amount XXXX Returned Item Fee XXXX Total Amount Due XXXX This Tells me the transaction date was XX/XX/XXXX. 
I have never received any notice of failed payment to XXXX let alone by check. I do not even own a check book. Says returned reason is " Check returned, account closed. 

I had immediately contacted XXXX customer service, who confirm i have no debt to them. Nothing in my account has been unpaid for. 
XXXX i believe is a legit company, however I have seen so so many complaints of the same thing happening to others that have no record of debt with XXXX. 
Please Fix this.

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 2020-06-21
Company: EQUIFAX, INC.
State: FL
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:
To be Clear, I have submitted this dispute online to Equifax. I just believe deletion of these at least 3 closed, 0 balance accounts that are over 10 years old will be finally deleted with CFPBs assistance vice my request alone. Accounts should fall off credit reports after 10 years and it is beyond me why Equifax has not been proactive to care for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-08-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The bank has charged me overdraft fees on my account when I never opted into overdraft protection on my account. They have been doing this for years on my account for at least the last XXXX years. As you know as of XXXX Banks are not allowed to charge me the XXXX dollar overdraft fee on debit card transactions if I never opt-ed into the overdraft protection with said bank. They even admitted on a call with me that there was no overdraft protection enabled on my account. They are illegally charging me these fees and I need them to stop since overdraft protection is not enabled on my account. 

XXXX https : //www.fdic.gov/consumers/overdraft/

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 2019-01-11
Company: EQUIFAX, INC.
State: FL
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 was a victim of Identity theft and I notice 2 accounts on my credit report. XXXX # XXXX and XXXX XXXX # XXXX. 

I have provided Equifax, XXXX and XXXX  the copy of the police report and have provided a victim 's complaint & affidavit to XXXX and XXXX XXXX and everything else that they have requested. XXXX deleted the 2 accounts, but Equifax and XXXX   has refused to delete these 2 accounts from my report. They keep saying that they have verified that this account is mine but have not provided any documentation to show that these accounts are mine. 

Also I have also asked the original creditors - XXXX & XXXX XXXX to provide documentation / proof that this account belongs to me and they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Subject : Urgent : Unlawful Account Limitation and Withholding of Funds I am penning this letter to report an alarming issue regarding PayPals actions, which I deem to be in violation of the U.S. law. I am XXXX XXXX, and the PayPal account associated with the email XXXX is under my name. 

My account has been inappropriately and indefinitely limited, with a substantial amount of {$2500.00} being unjustly held for a staggering period of 180 days. I firmly assert that such actions breach my consumer rights, as stipulated under Title X of the Dodd-Frank Act, known as the Consumer Financial Protection Act of XXXX  ( 12 U.S.C. 5481 ). 

Having thoroughly reviewed PayPal 's User Agreement and related policies, I affirm my adherence to all outlined terms, negating any grounds for the account limitation imposed. Despite my compliance, PayPals arbitrary action stands, reflecting a lack of clarity and potential infringement of the Electronic Fund Transfer Act, 15 U.S.C. 1693, which ensures the protection of consumers utilizing electronic fund transfers. 

PayPals indistinct terms and policies further cloud the scenario, emanating an impression of deliberate ambiguity to unfairly retain and withhold user funds, arguably violating the Truth in Savings Act ( 12 U.S.C. 4301 ). This action by PayPal not only exhibits an unlawful possession of my finances but exacerbates my economic strain, in contravention of the principles enshrined in the aforementioned legislations. 

I beseech the Consumer Financial Protection Bureau 's intervention in this disconcerting matter to ascertain a comprehensive investigation and a just resolution. I anticipate the reinstatement of my account access and the immediate release of my held funds, in line with the legal standards governing consumer financial protection. 

I stand available for any further information or clarification required in this regard and earnestly await your prompt and favorable action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Account Control Technology, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been put on probation at work for the continuous calls. I work for a call center and they 're constantly calling the call center getting transferred to rep to rep, looking for me which management has asked them to stop, they continue. If I lose my job because of this I want to take further action against them. Calling my cell phone is okay but harassing me at work is not.

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 2022-08-30
Company: EQUIFAX, INC.
State: IN
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, 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:
Dear Credit Reporting Agency ( XXXX XXXX or Equifax ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. These following items are not mine and I would like verification of all items in 15 days or deleted them from my credit report, section 609. 
COLLECTIONS XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX + {$320.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$6300.00} On time XXXX XXXX XXXX {$3800.00} On time XXXX XXXX XXXX {$1900.00} On time AD XXXX XXXX XXXX {$320.00} Needs attention HIGH XXXX XXXX XXXX XXXX {$190.00} Needs attention XXXX XXXX XXXX from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Bank As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Had a loan for an auto getting refinanced thru a different company. Original company put a late payment on my credit report and i can't get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: CA
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:
I am a natural person, I am a living human being, I have right under 15 USC 1681.

Equifax is govern by 15 USC 1681 & they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy & I did not give Equifax written permission to furnish these accounts. 

INQUIRIES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
I went to a dealership was told credit would be pulled once and it was pulled 3 times. 
There is also an Inquiry form XXXX XXXX  that isnt recognized. thanks

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 2018-11-24
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Back on XX/XX/XXXX XXXX XXXX employee ( wells fargo employee in customer service ) got back to me on all the documents i sent as requested, ) She said this would be forwarded to finance? To get my monthly payment between {$500.00} to {$900.00} dollars but never happened. 
So still under foreclosure so i got XXXX XXXX involved and sent them 33 pages of paperwork ( statements, elec bills etc ) nothing happened and still under foreclosure. 

Then i got a notice about 2-3 weeks ago that my house is up for Auction XX/XX/XXXX! 
So now XXXX is coming back to me ( working with someone from Wells Fargo??? 

I do not that anything is going to be done and i will be on the street, I can not take 5 rooms of furniture and put it in a trailer. I bought this house in XX/XX/XXXX as only 1 stair as i have difficulty with stairs 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 explanation
Consumer complaint received 2022-01-10
Company: Unity Asset Management
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/22 First contacted me by phone. Represented this as a claim not an owed debt. Before I could call back they had called other people about this, one being my ex-wife whom I havent had any contact with in several years. 


When I called them back the person I spoke with told me theyre not a debt collector and only wanted to get a statement from me. 

I then requested they not contact me or any related 3rd party about this. He then begin to argue with me so I hung up. 

I did send a msg via their wed page that to only contact me by mail or email. No more phone calls to me or 3rd parties about this matter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
InXX/XX/XXXX, I sued the rental company XXXX XXXX, who falsely reported a debt I never owed the company. I sued the company and won a judgement. The company was owed {$0.00} from me and I won a cash amount from them. I.Q. International is refusing to take this information off of my credit report. This false information is effecting my ability to buy a house.XX/XX/XXXX- I spoke to XXXX at I.Q.International about the false information reported. He advised me to fax information to prove the debt is not owed.

XX/XX/- I called employee # XXXX at I.Q. International to verify fax had been received. She rudely informed me that the debt was mine and refuse to inform me of the next steps to take to resolve the disagree I am having with the debt.

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 2019-07-18
Company: SUNTRUST BANKS, INC.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I seen a pair of XXXX XXXX concert tickets I notified the person about the tickets, we went back and forth about how to do payment and I asked gentleman to send proof of e-tickets and he did.I then called him about the tickets he told me I can transfer the tickets through ( XXXX ) and that I can go through my Mobile banking app ( Suntrust ) .I opened a account on XXXX thinking my bank had my back and transferred the money of XX/XX/XXXX day of the concert.Soon as money was sent I called seller to see why my tickets were not sent, call didnt go through and was on block.I then realized it was a scam.I called my bank immediately to stop payment they couldnt.

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 2017-04-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am trying to view my experian credit report online for the last 2 days now to dispute wrong information reporting. Experian will not allow me on the website to submit the disputes.

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 2019-07-18
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/XXXX I mailed a letter to the credit bureaus requesting all unverifiable, unauthorized inquiries be removed from my credit file, as there were many credit inquiries which I had no knowledge of, nor did I ever authorize. The credit bureau has since refused to delete any and all unverified, unauthorized credit inquiries. This is a direct violation of the FCRA and I ask that they be investigated and appropriate action be taken to remove all unauthorized, unverifiable inquiries from my credit report. I also request that the credit bureau send me a current copy of my credit file showing the inquiries fully removed that they are unable to properly verify with supporting documentation for the inquiries they are able to verify. Their failure to follow procedures and the law should not be overlooked as this has created a hardship on myself, my credit rating and caused me to be declined services. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called credit management on XX/XX/XXXX almost XXXX XXXX and spoke to a lady. I did not get her name. This was in regards to XXXX ( formerly XXXX XXXX XXXX ) in the amount of {$120.00}. But I told her that I would be will to pay it if they be will to take off my credit and send me a letter about it. I repeat this a few time and she told me they could. She told me I could not get a letter right away that I have to get off the website a day later. I told ok. I paid the full amount with my credit card and asked about get the letter. She told me the website. Then next day XX/XX/19 about 10 I had to call them back because I was unable to get online with my name and last for. I need some number. I cant remember the gender of this one but told them I wish they would give to me the first time because I should have had to call back.. They name a comment that it was only 3 number different from my confirmation number when I paid. I ignored it and got what I need. After review the letter with a place that help me fix my credit it was noted that it said nothing about take off my credit so I had to call back. I called again later that same day XX/XX/19 about XXXX XXXX. I talk to two females. They both have very difficult name. The last one was a supervisor who told me that they did not agree and there nothing in the notes about it. I try to talk to her and she would not listen and kept say that not something that they would agree to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief