BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-22
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I XXXX XXXX went to close my bank checking account at TD Bank and the manager told me that my account would be closed automatically after 30 days if no charges were posted. 
And the reason why i am here today is to inform that i never was notified by the Bank Institution allowing me to know that my account was overdraft with extremely high interest rating posted on my XXXX report preventing me to open a new bank account anywhere in U.S.A. 
I also recently Filled a consumer Complaint with my Attorney 's General and XXXX regarding this issue. 
Reason why took me so long to solve this issue was only because recently i went to try to open a bank account and i got denied because of what TD Bank is charging me out standing fees that i don't believe these fees were supposed to be charged to begin with because my account was closed by me before these fees were applied. 

Thank you very much for your time and hope to hear from CFPB as soon as possible to help me waive these outrageous Bank fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
According to reviews at the XXXX, this happens to thousands of consumers with this bank! ***** XX/XX/2021 Last charge on card at XXXX  ( Store credit card ) ***** XX/XX/2021 I paid my full balance of $ XXXX XX/XX/2021 I am charged {$3.00} late fee ***** XX/XX/2021 I am charged {$2.00} minimum interest charge***** XX/XX/2021 I again, paid off my balance $ XXXX XX/XX/2021 I am being charged {$2.00} minimum interest***** XX/XX/2021 I am charged {$2.00} Late fee***** XX/XX/2021 AGAIN a minimum interest charge of $ XXXX XX/XX/2021 Paid off balance AGAIN***** XX/XX/2021 {$2.00} minmum interest charge***** XX/XX/2021 Paid off AGAIN***** Support was of no help and responded wit bogus answer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12
Company: Credit Karma, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Since XX/XX/XXXX I have requested to receive my XXXX statement, information on the fraudulent findings to file a police report, fraudulent charges to dispute, and other refunds that were accepted by credit karma but not refunded to me? 

My account was closed on XX/XX/2021 by credit karma without notice. Yet refunds and direct deposits are still being accepted by credit karma. 

I have been locked out of my online account and now completely deactivated by credit karma. Blocking me from looking at any of my statements and money account to verify what is owed or any transaction history. 

This has left me with unpaid rent, insurance policies canceled, and the inability to buy basic needs. Stealing from their own consumers is criminal. 

I have attempted numerous times to resolve this and have been left with unanswered calls and emails. I've been told the department that can help me is unreachable by phone only email which never follows up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: JTM Capital Management, LLC
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have been contacted by XXXX repeatedly stating she will be serving me with a court date to sue me at my home if I do not call another number before tomorrow. I called the XXXX number and was told they dont know who XXXX is, but they are serving me legal documents at my home. The man did not give his name, would not verify anything about the debt, but said I could start a payment plan and he was from XXXX XXXX XXXX. Otherwise, they will take me to court and garnish my wages. I checked with the original creditor, XXXX XXXX, and the account was never sold to XXXX XXXX XXXX, who is the number I called. I am being harassed and threatened. Please put a stop to these companies.

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 2021-07-12
Company: United Resource Systems, Inc
State: NY
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 was using XXXXXXXX XXXX for long time and all these period I was on Auto Pay, so I dont bother about payments every month. During last XXXX period, without my knowledge, Auto Pay is removed from my account. Due to this I missed a full payment on XX/XX/XXXX th but on the same billing period I was having a return payment of {$41.00} on XX/XX/XXXX which will offset the minimum payment of {$35.00} for the period XXXX XX/XX/XXXX to XX/XX/XXXX XXXX whose payment due date as per statement is XX/XX/XXXX. After that I missed one payment on XX/XX/XXXX. But I paid the full amount on XX/XX/XXXX as per the statement dated between XX/XX/XXXX to XX/XX/XXXX. This missed payment was reported and my credit score went down from XXXX to XXXX. I think this auto payment is accidentally removed by XXXXXXXX XXXX while doing changes on their online system as I can see a total different look and style between the statements printed from the site before and after XXXX, Also when I check online its missing a XXXX statement. When checked with them about the missing statement, they said its because I have XXXX balance that time. But I have several other statements with zero balance. Its very clear that some technical glitch from the company side caused these problem and XXXX is not ready to accept or admit their fault. I spend hours with them to resolve this issue with no result. The customer care personal who talk to me is coming up with many childish reasons and she said on XX/XX/XXXX I switched my linked Bank account and there was a problem with that switching and so on XX/XX/XXXX my auto pay is cancelled.I dont understand how they took my payment for 9 months even after they claim that there is a problem in linking my account. I need you help to resolve this issue and bring it to light. I am sure that this is not the only case. People always ignore these as they dont have time to go behind this. I may also ignore this, bu I am refinancing my house due to financial difficulty, and every penny counts as we are having difficulty in work due to the covid situation. I have all the statement and docs to prove my claim.

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 2018-07-12
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This accounts has been disputed several times yet I have not received any response from the credit bureaus : XXXX XXXX Account # : 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 2019-10-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made my payment tu my USAA credit card on XX/XX/2019 They received the payment on XX/XX/2019 ( i called to verify ) However they refuse to allow me to use my card for 7 days even though my balance is paid in full. This has happened numerous times in the past. I would like to know if what they are doing is legal and if not have them fined {>= $1,000,000} for each occurence. I need to have use of my credit card and not be restricted for 7 days for no apparent reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: CAVALRY INVESTMENTS, LLC
State: AE
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Earlier this month, XX/XX/2018, The above debt collector called my residence and gave my husband information about my debt. My husband was unaware of this and was not an authorized user or co-signer. I called the debt collector to speak to managment and tell them my rights under FDCPA had been violated and I planned to take action. The VP of the company, XXXX XXXX provided me with the address of their company to submit any paperwork.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: ERC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HI ERC ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CFPB complaint # XXXX was closed prematurely as the response from Transworld was not correct. We have made several attempts to request they stop calling ANY number associated with XXXX since XXXX XXXX XXXX XXXX utilizes all numbers with this exchange. Whatever number Transworld is calling it is being routed to a phone in our warehouse. We are receiving phone calls daily and need it to stop immediately. If this is not done, we will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I feel that my privacy was violated in that sensitive and personal information regarding my personal debt was provided to my brother in law, who has no business knowing my personal situation. Midland called him and instead of verifying the identity of the person they were speaking to, they proceeded to provide him with my debt situation. I do not understand why they did not verify who they were speaking to securely ( I had to provide my social security number when I called in before they would talk to me but they did not ask my brother in law to provide any method of identity verification upon speaking to him ). I feel violated and am very upset. It is bad enough that I am in this situation ( which I take responsibility for ) but now a member of my extended family is also aware and it is humiliating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Experian Information Solutions 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:
XXXX XXXX {$1000.00} I challenge the accuracy, compliance and reportability of this listing by XXXX XXXX, and I contacted original creditor and was informed that this is an error and you must remove it, and they stated that this was not verified by their companyaccount was settled with original creditor ( XXXX XXXX ) no contract existdebt can not be collected twice ; this against the law.

... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

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 2019-01-11
Company: BARCLAYS BANK DELAWARE
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: Information belongs to someone else

Complaint:
They sent me an email stating that my credit score has dropped to XXXX  so they closed my account and I do not owe them anything, however, they have been calling me requesting payment every day.

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 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I started disputing invalid information on my credit report on XX/XX/XXXX ; since that time, I have submitted a dispute again on XX/XX/XXXX, XX/XX/XXXX and again just on XX/XX/XXXX. Neither of these times so far, have ANY of the bureaus responded to my disputes to advise what steps their taking or that they're even taking any steps!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-11-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a safe deposit box # XXXX located at the XXXX XXXX MA branch of XXXX XXXX. I mailed the payment on XX/XX/XXXX for the renewal of the box in the amount of {$210.00}. The renewal period was for XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I decided to close out the box I went into the branch emptied the box and returned both keys. The representative that helped me told me that I may be able to get a refund on the fee since the box was closed before the new rental period begins. I could not place a stop payment on the check since it cleared on XX/XX/XXXX. On XX/XX/XXXX I called the XXXX branch and spoke to the manager XXXX XXXX. I explained to him my issue he took my information and said he would get back to me but that " Citizen 's does not like to issue refunds '' but he would see if there was anything he could do and get back to me. Did not ask for my account number or phone number and I haven't heard back from him. I am attaching the Safe Deposit Box Invoice along with the back and front of the check that cleared for this payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12
Company: Experian Information Solutions 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:
THIS IS MY SECOND TIME DIPSUTING THESE FRAUDULENT ACCOUNTS. THIS IS A VIOLATION OF MY RIGHTS AND ITS CAUSING MYSELF AND MY FAMILY HARDSHIP THAT SOMEONE WAS ALLOWED TO USE MY INFO TO OPEN THESE ACCOUNTS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.

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