BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
Company: TD BANK US HOLDING COMPANY
State: AZ
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 have been loyal card holder with TD Bank/Target services since 2016, never missing a payment and enjoying the card provided to me. At the beginning of the Pandemic of Covid 19. I was having a issue with payment problem with my Target Card. From there I called in to their customer representative services to get the problem resolved as my credit is very important to me. I was advised a resolution to my problem by putting my account on automatic payment as the representative did. This year as I am in the mix of trying to get a new mortgage I pulled my credit report and was shocked to see my payment history with that account had changed which I was never late on. I am deeply concerned as this has hindered my ability to obtain the credit needed to progress forward in my life. As I am loyal and grateful customer of TD Bank/Target I hope we can get this issue resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 filed a dispute with the credit bureau regarding a collection from XXXX that was reporting an auto loan 1 x 30 days past due. I called TransUnion to advise that this was incorrect and that I traded in this vehicle in XXXX, XXXX. I also contacted XXXX and filed a complaint. I was notified by XXXX from XXXX 's compliance team. She called me on XX/XX/XXXX and left me a message to call her back at XXXX. I called her back the same day and she advised that XXXX would update this delinquent status to current and that it would take up to 30 days to reflect this on the credit bureaus reports. Prior to this TransUnion had updated the transaction to current as my credit scores went up over 40 points. I received a notification yesterday that TransUnion updated an account to delinquent status on my credit report. When I logged in my credit report on my current auto loan and XXXX XXXX, I see that XXXX was back to negative status showing 1 x 30 days late. If TransUnion had completed my investigation and spoke to XXXX or received a response from XXXX, then TransUnion should have reflected this account as current and not negative in any way. Again I spoke to XXXX on XX/XX/XXXX. After XX/XX/XXXX my scores jumped up over 40 points. TransUnion in my opinion is doing some shady things and they are NOT verifying information and they are obtaining information illegally to be placed on consumers credit reports.

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 2021-07-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I visited Citizen 's bank on XXXX Street in XXXX, MA to close on a {$200000.00} HELOC which was to payoff my mortgage balance. 

The HELOC was for : XXXX XXXX XXXX XXXX, MA XXXX As of XX/XX/2021 the mortgage balance was {$6200.00} and the loan number was XXXX. 

On XX/XX/XXXX, I received confirmation the mortgage was paid off and applied to my HELOC but the bank paid {$10000.00}. 

Congratulations! We received your home loan payoff. 

Property Address : XXXX XXXX XXXX XXXX, MA XXXX Loan Number : XXXX HERE ARE YOUR PAYMENT DETAILS : Process Date : XX/XX/2021 Amount : {$10000.00} The HELOC should have paid off only {$6200.00}. I will have to wait 15-30 days for the difference to be mailed to my home yet the interest on the {$10000.00} will be charged for that period. The bank is wrongfully charging me interest on a higher balance. I question this practice of overcharging interest. Since Citizen 's is pushing this HELOC aggressively, I anticipate they are recognizing more interest on their earnings for this quarter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Problem is with the customer service phone # on the statement its not working with the past 8 or 9 months so when I have issues I have to go on internet and get a contact # and when I call their customer service are not in XXXX they are in XXXX because they all have XXXX XXXX accent They are not helpful and their system about my account history is not accurate and correct My problem is everything I purchased I returned and nothing showed in my account they made s {$900.00} balance for me and its not correct You could try to call their phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Consumer Recovery Solutions, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a message last on XX/XX/XXXX or XXXX XXXX 2017 and could not understand what the woman was saying, but it sounded very serious, so I did what I could to call back. I finally got through after five repeated tries, without being able to leave a message and spoke with a woman named XXXX XXXX XXXX. She explained to me that her law firm was going to sue me if I did n't pay almost 800 dollars from over 10 years ago. I explained to her that it 's been way too long, and that there 's no way I owe that much. It was from when I was XXXX and opened up a XXXX XXXX checking account. I got hit with some overdraft fees that I could n't pay, so the account closed and went to collections. Scared that I was going to be sued, before reading about the NFCPA and all my rights, I reluctantly agreed over the phone to set up a payment plan that was completely unreasonable at XXXX dollars every two weeks. She urged me to sign the documents they emailed right away, which I did not. I tried to call back but could n't get through until the following Monday when I realized they went ahead and charged my bank the first XXXX dollars even though I never signed and planned to arrange another way of dealing with this. The company is Consumer Recovery Solutions and I was billed through XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-01
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2017 I had {$420.00} taken from my VA XXXX comp deposited into my XXXX   XXXX checking account from XXXX XXXX. I called XXXX XXXX and was told no my SSN, Date of Birth, and other information did not match the account that charged to my debit card but since it was fraud I had to file a dispute with my bank. For many days I tried to contact XXXX XXXX XXXXo file a dispute finally after weeks of calling, being told I needed the " level 2 fraud '' department then after being transfered I woule get a message saying that they were busy and to try again later and abruptly hung up on, I finally got a hold ofsomeone and told them that I feel that should have a call back option. The rep got extremely rude and said thats just not an option, call back or don't, is there something I can help you with or not, in a rude tone. So finally I explained the situation and was told they would sebd out paperwork. I submitted the forms they sent tgat I recieved 14 days after talking to them. With my SSN and dob to show that wasnt my account because it toom so long I couldn't pay rent as my VA is rent money, we just went through an eviction and just foubd a place, then mid XX/XX/XXXX they gave a {$420.00} credit, and now today hours before my VA is to be deposited they removed {$410.00} from my account as a credit reversal, I was told the dispute is still ongoing and that they don't have a reason and don't have to give a reason as to why the credit was taken. I have a XXXX XXXX old daughter and a wife and am a XXXX. This is horrible treatment. I held up my part, tge company agrees account isnt mine, and these guys just randomly cor litterally no reason reverse a credit one day before my VA/rent money comes in? And when I ask for someone else they hung up on me. This is horrible mistreatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am currently a XXXX XXXX who is traveling across country for almost 60 days. Three days into my trip on XX/XX/19, I attempted to use XXXX via my Chase Bank account to send a {$500.00} payment to my friend and driver, XXXX XXXX. The payment did not go through immediately so I called Chase Bank to cancel the transaction. I spoke with a customer service rep who cancelled the transaction and said everything was all set. A few minutes later I received an automated voicemail stating my account was suspended because the transaction was suspected fraud. I called Chase and spoke with several reps who refused to provide me with any information at all and stated I had to go to the nearest branch ... which was 14 hours away. I told them my situation and that I had no funds for gas, food or shelter and Chase stated that wasnt their problem and I had to find a way to the nearest branch nearly 800 miles away. After begging strangers for change and for rides, I was able to get to the nearest branch on Monday XX/XX/XXXX. Banker XXXX XXXX tried to assist me but said Chase made a mistake and closed my account as a result of thinking my transaction was fraud, even though I called them several minutes before to confirm and cancel the transaction. I spoke with XXXX from the Chase executive offices who stated there was nothing they could do and I had to wait for them to transfer my funds in 4-5 days. Chases mistake has left me stranded with absolutely no food or shelter and has had a damaging effect on my health and well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, INC.
State: MD
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:
On both XX/XX/19 and XX/XX/19, mailed certified letters to XXXX at XXXX XXXX   XXXX XXXX, TX XXXX disputing two accounts that are on my XXXX  and Equifax credit report.When I disputed with XXXX  those companies were unable to provide proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. XXXX  did not provide me proof of validation. On XX/XX/19 I mailed a certified letter to XXXX XXXX   at XXXX XXXX XXXX XXXX, TX XXXX and still have not received a response. Please see the above information, along with my attachments. 

Company Name : XXXX XXXX XXXX Partial Account # : XXXX Amount reported : {$610.00} Company Name : Acceptance Now Partial Account # : XXXX Amount reported : {$620.00} Social Security # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a cancellation fee that XXXX had wanted to charge me after I cancelled my cable in 2018. I spoke with the company on XX/XX/2018 and requested that the operator request to the manager that they waive my cancellation fee on the basis of being a long time customer. The operator mentioned they would do so and contact me back. XXXX never did follow up with me, and sold the debt to Diversified Consultants. I have paid it off, however now have a collections account on my credit report that is hurting my ability to access credit in the future, because of XXXX misrepresentation of what actionable steps they would take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
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 reporting on my credit file that is inaccurate or not mine : The following accounts is inaccurately reporting that I was late : XXXX XXXX - Date Open : XX/XX/2016 ; Bal : {$11.00} ( XXXX, Experian, XXXX  ) The following accounts do not belong to me ; this account is a result of identity theft : XXXX - Date Opened : XX/XX/2016 ( XXXX  ) ; XX/XX/2016 ( Experian & XXXX  ) ; Bal : {$0.00} The following are unauthorized inquiries : XXXX XXXX ( 3 TIMES ) XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-07-05
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:
On XXXX sent numerous of factual disputes on XXXX XXXX XXXX including screen shots of inaccurate information being reported on my credit report including different high credit section and the comment section .XXXX and Equifax keep reporting my information as updated with the same errors.XXXX also updated my account saying I paid {$2.00} which was not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have written numerous letters and disputed the Inquiries on my Trans Union Credit file. All to no avail. No matter what I do there has been no change to my credit report. Only XXXX  did a full investigation and removed these unwarranted inquiries from my credit file. Therefore, I am contacting you with hopes that Trans Union will do their appointed duty and remove unauthorized information from my credit file. These are the unauthorized Inquiries listed on my file. 1 ). XXXX XXXX XXXX XX/XX/XXXX, 2 ). XXXX XXXX XXXX XX/XX/XXXX, 3 ). XXXX XXXX XX/XX/XXXX, 4 ). XXXX XXXX XXXX XX/XX/XXXX, 5 ). XXXX XXXX XX/XX/XXXX, 6 ). XXXX XXXX XXXX. XX/XX/XXXX, 7 ). XXXX XXXX XXXX. XX/XX/XXXX, 8 ). XXXX, XXXX XX/XX/XXXX. I state under the penalty of perjury that I did not authorize any of the aforementioned companies too inquire into my credit report ( s ).

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 2018-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I agreed to settle in full my debt with XXXX XXXX XXXX being handled by Portfolio Recovery Associates for {$280.00}. I paid this debt to the address I was given by Portfolio Recovery and the original XXXX XXXX account number using XXXX online bill pay on XX/XX/XXXX. The payment was delivered by XXXX on XX/XX/XXXX. The creditor has either lost or mismanaged the payment but I have a proof of payment from XXXX to show that the settlement was paid by the agreed upon date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have an existing freeze on my account with Experian. After reading about a potential flaw in their system, I tested their PIN retrieval and was horrified to find out that my PIN can be accessed by anyone. 

On Experians PIN retrieval page, I filled out the form with my name, address, Social Security number and date of birth -- exactly the kind of information that was compromised in the XXXX breach, and thats readily available for sale on the dark web. I entered my email address, answered none of the above to the security questions ( which were NOT the correct answers to those questions ) and my PIN popped right up.

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 2019-04-02
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX and XX/XX/XXXX I mailed certified letters to Experian at XXXX XXXX  XXXX XXXX, TX XXXX disputing proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. I recieved a letter from Experian on XX/XX/XXXX stating that this account was validate without any proof. I also noticed that Experian updated payment history from XX/XX/XXXX to XX/XX/XXXX. It appears that Experian did not conduct a proper investigation, they just changed things on my report and were unable to provide proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. Please see the below information, along with my attachments. 

Company Name : XXXX XXXX XXXX Partial Account # : XXXX Social Security : 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 2020-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was informed to contact Capital One in reference to hardship programs offered due to me being injured and under workman compensation for 6 months. I requested the interest be reduced to assist me with paying the CC bill on time each month. I was informed I could not be on a program such as that because my CC payment was not pass due at least 90 days. I informed the Supv. I have never had any 30 day late payment, I attempt to pay all bills from Capital One on time and I need relief with the interest. I was once again informed they could waive any late fees for the next 90 days. In an attempt to have the Supv. understand my hardship, I asked if they could at least assist with waiving the interest on XXXX 's bill in order for me to get back on track and not have to receive a 30 day late. I advised them my salary decreased and I truly need to be on a Capital One hardship program that can assist me since I have been with them for several years and have other credit card and auto loans that I pay on time as well. They were unwilling to assist stating I have a pass due amount. Indeed and explained that is why I called in seeking assistance. I was then asked if I wanted to close the account. This is what you state to a consumer who has a job related injury and needed assistance for a short period of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI
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 became aware of being a victim of identity theft when I received a call from XXXX Police to come into the office for an important matter. At the initial meeting, my information such as SSN, Driver license, as well as my citizenship paper were in the hands of the officer. It was then that I went to review my bank account and credit report to realize the monies had been taken out from my bank account and numerous of bank cashed checks as well as credit card were under my name. With this action, there is a court case still in pending status. At this time, I have tried to open another bank account so I can cash my checks from work to continue my daily life, however, I am unable to do so due to identity theft and the inquirer information of my CHEXSystems report. I have been informed and directed to this website to file a complaint. Please advise. 

Thanks, 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 2017-12-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I 've sent XXXX XXXX an update address letter on XX/XX/XXXX certified mail and signed on XX/XX/XXXX with proof attached. Experian refuses to update my address and the information on file to the new address listed. It 's been well pass the 30 days on XX/XX/XXXX and still no response or dispute information. I request Experian to update my personal information on file such as Date of Birth, Current Address and Employment History immediately under my Social Security number or I will take another legal action with BBB, Attorney General, etc.

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 2018-02-16
Company: Paypal Holdings, Inc
State: OK
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 request refund from a fraud company named XXXX XXXX and Paypal would not refund my funds from this fraud.. I have not recieved no products nor assistance in my refund. the fraud was XXXX XXXX of 2018

Company response to consumer: Closed with explanation