BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-16
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
TD Bank has effectively violated the Error Resolution Procedure set forth by the EFTA ( 12 CFR 1005.11 ( C ) ( 2 ) ) On XX/XX/2019 I entered my local TD branch to notify them of several transactions that seemed suspicious. I was ordering supplies from what I thought was a legitimate supplier, and their delivery date was 3 days from when the order was placed. It has been over 3 months, I have no received anything. I told the customer service representative that I did not recognize the billing descriptors, and that it could be possible fraud or phishing, she recommended the dispute be entered as " services or product not received '' So on XX/XX/XXXX, I was mailed a letter from TD Bank stating that I, the " consumer '' needed to provide more information as to what was ordered and the expected delivery date, and that provisional credit has been denied for the amount of {$3700.00}. The reason? " Claim amount is too high to provide provisional credit, and that I have to wait 60 days until TD Bank receives communication from the merchant in question as to the validity of the transactions, before any credit will be issued. 

Now, I am a self-employed XXXX  XXXX XXXX for several processors, and I know EXACTLY what happens when a customer fills out a Regulation E form and signs it, which I did at the time of dispute on the XXXX of XXXX. TD Bank either has debited the merchant and is unwilling to provide provisional credit because they are uneducated on the process they MUST follow, or they are unable to debit the merchant because the merchant account has been closed. If they had followed the correct procedure and submitted the charge back in a timely fashion they may have received the funds. 

Regardless they have violated my rights under the EFTA to a provisional credit within 10 business days, as there is no ceiling as to the amount being a restriction in providing provisional credit. I have had this account for over 2 years, and I have 5 business accounts with TD Bank, which I am seriously considering taking elsewhere if this is not rectified immediately. 

It is now XX/XX/XXXX, and I have called the merchant, AND TD Bank every other day - I have received conflicting responses from multiple managers and reps, all saying different things. One rep even told me he was going to get me the person 's number who could " expedite '' my claim, this was interesting, so I held the line. He came back and gave me the number to my local branch. Are you kidding me???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Experian Information Solutions Inc.
State: SC
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-06-20
Company: Experian Information Solutions 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:
The unverified items below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-08-16
Company: Williams & Fudge, Inc
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I briefly attended XXXX XXXX University in XX/XX/XXXX and my tuition was covered by FAFSA grant and XXXX scholarship. For personal/ financial reasons I dropped out and moved back to live with my parents which is when my tuition was sent to collections. I dont understand how I can be expected to pay for tuition when I was going to school with federal grants in the first place. Recently in the beginning of the year of XXXX my collection account was sold to William and Fudge who reached out to me and said I have to make the payment and that theyll give me time to ask my parents to pay and will give me a call back after a week. I never heard back. On XXXX XXXX I sent a letter to XXXX XXXX XXXX stating that I do not claim the ownership of this debt however I would like to pay a lesser amount and settle the debt. It was a pay for delete request. I didnt hear back and it had been a few days. I started stepping away from my desk at work multiple times a day and attempted calling but I never got through to anyone. I also sent a follow up email on XX/XX/XXXX just Incase the first email was missed. It has now been over a month of me trying to settle this debt so it no longer hurts my credit by being on my credit report. I dont know who else Im supposed to contact to get this resolved if the company itself is not responding to me. Im just in my twenties and trying to clean up my credit but the collection amount has gotten me denied with many lenders. Its not that I did not try to work something out, I just received no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Company claimed that there was damages that was already there, on the day of move-in. 
The company made the debt the same amount as the deposit which I never received back

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 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After pulling a copy of my credit report i notice that the credit bureau is reporting inaccurate outdated information on my credit report and i had requested that this information be updated and fixed but my request has remained ignored.

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 2022-10-20
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. 

XXXX XXXX  XXXX XXXX : Acct # XXXX ; XXXX XXXX : Acct # XXXX ; XXXX XXXX XXXX : Acct # XXXX ; XXXX XXXX XXXX : Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A. States I have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, INC.
State: TX
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a MasterCard with XXXX brand.  I’ve had this credit card since XX/XX/2019. They gave me a credit line of $XXXX.  I’ve been making payments timely and using the credit card.  Just this month, I found out, after I made a payment of XXXX XXXX XXXX on a minimum payment of XXXX XXXX XXXX XXXX XXXX, they lowered my credit line from $XXXX  to $XXXX, without my knowledge.  When I called to speak with their credit team, the customer service rep stated that I was not allowed to speak to anyone.  I wanted to know why.  The customer service rep stated it was because of my XXXX score.  My XXXX score is now being effected because they lowered my credit line, yet I’m still making high dollar payments.  You can see that I’ve been making 3 times the minimum payment, yet XXXX credit card lowered my credit line which is now causing my credit score too stay low as well.  I’m concerned that now that I’ve stopped using the credit card, they will close my account and force me to pay up front or destroy my credit that I’ve been working to increase. I’m filing this report to make them accountable.  If they didn’t want me to spend the money, why did they allow me access to $XXXX???  I’m extremely worried that they will come after me by ruining my credit and expecting me to pay upfront all at once.

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 2019-08-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Every time I go to the hospital I provide my Medicaid medical insurance card and pay a co-pay due for any services occurring on the day I see a doctor in full and up front before seeing a doctor. 

Providing Medicaid medical insurance plus paying a copay before seeing a doctor covers known services that are going to take place on the date of payment. 

Any additional cost after making a copay payment and presenting accepted medical insurance for a doctor visit is frivolous where the patient did not give consent to services that costed extra or have knowledge of there being any additional services that were provided after presenting medical insurance and making an agreed upon copy payment for all services occurring on the same day the copay was paid in full. 

Since I presented my Medicaid medical insurance and paid a copay in full before seeing my doctor, any additional costs that were added to that day 's visit after paying in full and up front are fraudulent and should be removed from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX HSBC bank at the behest of XXXX XXXX XXXX XXXX XXXX has completely frozen my account. According to The Exempt Income Protection Act of 2009 If any funds are restrained, the bank, within two business days after receipt of the restraining notice or execution, exemption notice and exemption claim forms, must serve upon the account holder the exemption notice and two exemption claim forms by first class mail to the account holders last known address. The exemption notice explains to the account holder that the account has been restrained, that certain types of funds are exempt and the procedures for releasing an account, including the types of documents that will be helpful in demonstrating the existence of statutorily exempt funds. 

As of XX/XX/XXXX such documentation has not been provided to me. 

More importantly the first {$XXXX} in an account can not be frozen. 

The new law creates a {$XXXX} cushion for debtors who don't receive government benefits or assistance. In particular, the law prohibits banks from executing, levying, attaching, garnishing, encumbering or restraining an amount equal to or less than 240 times the federal or state minimum wage, which ever is greater, except to the extent a court determines is not necessary for the reasonable requirements of the judgment debtor and his or her dependents. The amount of this exemption is currently {$XXXX} but is scheduled to rise to {$XXXX} on XX/XX/XXXX and in accordance with the minimum wage thereafter. 

If a restraint was placed illegally it can not be enforced. 

Banks may not charge the account holder a fee if it is served with a restraining notice and the bank account can not be lawfully restrained OR IF THE RESTRAINT IS PLACED ON THE ACCOUNT IN VIOLATION OF THE LAW. 

https : //www.dfs.ny.gov/legal/industry/il090120.htm

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received an American Express prepaid e-card as a prize from a sweepstakes win on XX/XX/2023 preloaded with {$500.00}. I used the card once ( two separate transactions ) at XXXX on XX/XX/XXXX and I have not been able to use the card anywhere else, including XXXX, since. I have tried purchases at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and even tried to pay a bill with it, all transactions were declined ( even though the preauthorization XXXX shows up in the transactions of the card ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28
Company: MOHELA
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: Account status incorrect

Complaint:
An affidavit was sent in XX/XX/ and the debt was removed and the debt has now returned back on credit report. Ive attached what was sent certified mail in XXXX and a screenshot of the removal of the debt. Ive attached other supporting affidavits as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'M HAVING ISSUES WITH THIS ACCOUNT APPEARING ON MY CREDIT REPORT AND CAN'T SEEM TO GET THE CREDIT BUREAUS TO REMOVE THIS ERROR

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 2022-12-28
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:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.

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 2021-03-27
Company: CITIBANK, N.A.
State: MA
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:
On XX/XX/XXXX, I made a online transaction ( XXXX XXXX XXXX XXXX XXXX ) to purchase a XXXX toy ( through XXXX ad ). After I made the transaction, I found that the pending dollar was slightly higher than the price ( final transaction price of {$77.00} ) which got me to search online, and figure out that it is likely to be a fraud. So I called credit card company ( Citi card ), and they told me that I need to call back in a few days after the pending becomes complete transaction. So I called them again after a few days, and they told me that the dispute is going to be processed and is going to take a few weeks. 

Now I forgot about this dispute request after that, and come XX/XX/XXXX, I was reminded by it, called to contact Citi, and they told me that the dispute was not processed, and that I had to send a written dispute by regular mail. So I did, and also responded to an addition regular mail in a prompt manner. However, after a while, they denied my dispute because too much time has passed since the transaction. Upon checking correspondance history at their end, they told me that they sent an email asking whether to continue processing the dispute, which they did not hear back. I checked my email and message record, but I can not find that email anywhere. 

At this point, Citi honored me a {$20.00} courtesy payment for the trouble ( still pending ), but they did not reverse my {$77.00} loss from fraudulent website. 

All this time, I tried to contact the merchant ( only email is available, no phone ), but I got no replies. Obviously because the website/merchant is fraud.

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 2023-10-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
These accounts are not mine, they have incorrect information and greatly affect XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-04-07
Company: CCS Financial Services, Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
i have filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and i havent received any investigation results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

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 2021-06-09
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation