BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-04
Company: EQUIFAX, INC.
State: AL
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:
Equifax, XXXX and XXXX have all but ignored my requests for actual proof that the accounts belong to me and that I am the person who made the charges against my accounts. Each credit services company refuses to show me how they have verified information on my credit report, who verified the information and who reported the information to them. In addition they have refused to provide me with a copy of the original signed credit request in accordance with the fair credit reporting act. I have been fighting with them since XX/XX/2014 against 4 bad reports on my credit report and they refuse to budge or work with me. In addition to this, instead of going directly to the creditors, they are using 3rd parties such as XXXX XXXX to verify the accounts which is again in direct violation of the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04
Company: Experian Information Solutions Inc.
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:
Company : XXXX Amount : {$10000.00} Dates : XX/XX/2015 Ive contacted this company multiple times and have expressed that this account was fraudulently opened in my name as I was across seas at the time. Ive submitted police reports on the matter and they are still reporting this fraudulent account to my credit file. It needs to be removed immediately! Attached is my police 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 non-monetary relief
Consumer complaint received 2022-01-09
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
To whom it may concern, I hope this email finds you well. I would like to resolve this issue and get my promotional offer of {$300.00} as TD Bank promised. I am escalating this matter because customer service couldn't help. 

Unfortunately, TD did this same thing to my husband as well. They always trick customers. It's unacceptable! They don't care about your customers. If we don't go for a resolution, we will never ever use TD bank again and I will tell this to our friends and family as well. They all should avoid their services if you don't care about your customers. We were even thinking to bring our investments and IRAs to TD XXXX portal but now we are not happy with this situation at all. 

I opened the bonus offer via your website and it was saying {$300.00} bonus. via this link : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX & XXXX & XXXX There was nothing about XXXX XXXX Mail ' campaign on the link even in the blueprint. And this time we read the blueprint in detail 3 times. We always open different bank accounts with different banks and we never had any issues like this with another bank! They are always click-baiting new customers! We gave them a second chance and this time we read all the blueprints did the right things. This is awful! They should do some empathy and see this from their customer 's side. They literally betrayed us. They just care about a new customer 's direct deposit and they're not loyal to their words and promotions. It's very frustrating. They just care about our money, not your customers as they said on your PR and quotes. 

Please do your best to resolve this unprecedented treatment to your customer. I completed all of the required steps as you requested. I do demand my {$300.00} bonus as you promised. Please send the bonus via snail mail to my address Thank you for understanding. Please accept my rage and frustration on this matter. 

Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: BSI Financial Holdings, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI financial let our flood policy lapse. 

They could not get proof of insurance from our insurance agent ( XXXX XXXX ) and sent me a letter saying they were going to have to buy us expensive insurance and that there would be a lapse in coverage. 


We had maintained all mortgage/escrow accounts to date, no late or missed payments. 

Said they had reached out multiple times to the agents office. 


I called the agent and they said had never heard from BSI about any needed documentation. 


A month went by. 

I followed up weekly, was getting very concerned because flood policy was in grace period technically already lapsed. 


I had already contacted flood insurance company and confirmed we had a policy paid in full. But BSI couldnt disperse escrow payment for upcoming year because we dont even know who your XXXX  insurance company is XXXX?! 

I finally got my XXXX insurance company to send a letter telling them who XXXX are so could at least have a payor on file. 

XXXX. 


Then got a hold of insurance agent to say why havent yall replied to BSI fax/letter inquiries to address the issue XXXX hrs later ( but after a literal month of painful phone calls, emails, and legwork I got the two parties to talk to each other ). 


When all was said and done, asked all involved if this was typical for the mortgage/ homeowner industry. 

They all said no categorically. 


BSI is the worst company, hands down. 


Their ineffectual business dealing left us uninsured for floods during peak hurricane season in a coastal town in SC. 

Could have been catastrophic. 


They still wont return emails or acknowledge sent documentation regarding escrow/taxes/etc. 

They are impossible to work with. Always ask me to send emails to a wastebasket e-mail handle : XXXX No accountability. 


Unprofessional. 




Low internet ratings. 




These people are the worst. I wish we could change services tomorrow. Even considered refinancing to pay higher interest rate/ closing fees just to not have to ever depend on these clowns again. 


XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This letter is to notify you that I no longer am disputing this account and that the balance of this account should reflect a zero balance on my credit report. 

I paid this account directly to XXXX XXXX over a month ago. I am in the process of getting a mortgage and this account is holding me back from getting approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: SUNTRUST BANKS, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortgage company made a payment to the town for past due taxes. Unknown to me that this was done until after the fact. They have now increased the mortgage to a payment beyond a reasonable amount. I applied for a loan modification and the payment is still not reasonable. I was approved by XXXX XXXX for a non interest loan to pay the past due taxes. My representative has attempted to obtain a statement from the mortgage company to state what was paid on the past due amount so that we can reimburse the mortgage company. I have also attempted to get this from the mortgage company and after daily calls since XX/XX/XXXX, the mortgage company states they can't provide a statement showing what they paid for past due. They have stated their records only go back to XX/XX/2019 when the payment was made XX/XX/XXXX. 
I have spoken with supervisors in the mortgage department, customer service, Tax department and the escrow department. Have had no resolution to obtain a document. 
If this is not addressed immediately, I may loose the state loan and will also be put in a position of foreclosure on my residence. I am making my standard mortgage payment and the mortgage company is refusing to apply it to my mortgage amount. 
Phone calls are XX/XX/19, XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19 ( 2 hours on phone ), these are the calls I have documented which are not all calls made to the mortgage company. The state also made several calls to the company. Suntrust Mortgage, 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 2022-03-14
Company: Experian Information Solutions Inc.
State: MS
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 checked my credit report and I seen a hard inquiry for a company called XXXX loans. I have a document from my prior job saying my identity was stolen and I was affected by some sort of breach.

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 2017-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used a CardTronics ATM XXXX XXXX TG XXXX ) at the Target store located at XXXX XXXX XXXX XXXX, XXXX PA XXXX on XXXX XXXX, XXXX at approximately XXXX. I attempted to withdrawal {$300.00} from my Capital One checking account. Mid-transaction, the ATM machine re-started itself XXXX pictures attached XXXX. As the re-start process took place, which lasted upwards of XXXX minutes, I logged into my checking account on my phone because I was n't sure what happened. My checking account showed a temporary transaction of a withdrawal of {$300.00}. I immediately asked a Target employee for help, and was informed it was n't their machine so they ca n't do anything. They suggested I call the number on the ATM, so I then contacted CardTronics and spoke to a representative, who informed me they could see the transaction and the error. They told me to speak to my bank, who would initiate the proper procedure to reverse the transaction. I called Capital One and they took down my information, including the XXXX phone number and terminal number. I was informed by Capital One that they would investigate the matter and reach out to me if they had any additional questions. In the meantime, my account was given a temporary credit of {$300.00} and a follow up letter stating the same arrived at my house. On Friday XXXX XXXX I received a letter from Capital One ( dated XXXX XXXX ) that they would be denying my claim because " we checked our ATM records and they do n't show an error for this amount. '' I never received the cash from the ATM, and I would imagine a transaction log within the specific ATM machine would show this. The cash remaining in the machine when it was restocked would not have corresponded with the transaction ledger.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: MD
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-09-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX ended their credit card contract with XXXX XXXX  and entered a new one with Barclays Bank. Barclays sent the new card with instructions to activate it on XX/XX/XXXX. I have been unable to activate the card online, because Barclays can't verify my information. I can't register for a Barclays online account for the same reason.

I've called two different customer service numbers to get help. On XX/XX/XXXX, I was on hold for 46 minutes before I hung up. Today, XX/XX/XXXX, I have been on hold for 1 hour and 30 minutes, and no one has come on the line. Barclays does not have a chat that I can find. I can not email them because they can not verify me. Barclays has an IVR system that does not tell callers how long the wait will be, does not offer a call back system, does not tell callers where we are in their hold queue. 

I contacted XXXX today for help. They are aware of the delays, but they can not give me any other information about this situation.

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 2020-11-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiry on my account by XXXX XXXX XXXX XXXX dated XX/XX/2020. I have no business with an organization by this name, no exiting credit relationship, nor have I sought to obtain a credit relationship with this company. I contacted the company on XX/XX/2020 to ask why they were inquiring on my credit. Their response was that they have nothing to do with any credit reporting. I told them that they must be interfacing with credit reports because their name, address, and phone number is on my report. They then asked for my personal information including SSN to research me. I refused to provide the information because they had previously stated that their company has nothing to do with credit reports and would not have an inquiry on my report. This appeared as suspicious and potentially fraudulent to ask for my information. My credit score was negatively impacted by this hard inquiry that this company enacted against my personal 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 2022-03-14
Company: Experian Information Solutions Inc.
State: NY
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 Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.

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 2019-05-12
Company: DISCOVER BANK
State: OR
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:
My Discover Card statement ending XX/XX/XXXX has a credit balance of - {$220.00} as stated in the Account Summary. In addition, words at the bottom of the statement say " Your account has a credit balance. No payment is due '' On the statement ending XX/XX/XXXX in the Account Summary it shows the previous balance of - {$220.00}. However, they added that amount to debits owed instead of as a credit. The bill says I owe {$210.00} when in fact they owe me {$370.00} I called and talked to XXXX in billing and when I asked for a manager he lied and gave me another billing agent. Neither one could help me and the last agent XXXX said a billing manager is not available. They will not admit the Account Summary is  incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XXXX XXXX, XXXX cbna/thd company made a hard inquiry to my account. this was unsolicited and not authorized

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 2022-02-18
Company: Experian Information Solutions Inc.
State: MA
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:
There are inquiries on my XXXX, Experian, and XXXX that are not open lines of credit - I request that the CRAs remove these inquires immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I opened a home equity line account with Bank of America in XXXX of XXXX. When I did my home refinance with XXXX bank in XXXX XXXX of XXXX, I called Bank of America to keep this account of mine open. Bank of America promised me that this account would be kept open no matter what. However Bank of America closed my home equity Line account without any reason. Even worse, Bank of America charged me a fee for their mistake. 
When I called Bank of America, I was told that I could re-apply for a new home equity line account. I followed their advice but Bank of America ate its own words and turned down my application. 
Why Bank of America should cheat its customer repeatedly? 
Please help me. 
Thank you!

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 2019-04-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/2017, Chase Auto ( via XXXX XXXX XXXX now XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.

Company response to consumer: Closed with non-monetary relief