BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXX XXXX, TD Bank NA allowed 127 fraudulent charges totaling {$5300.00} and after disputing these charges twice via their XXXX number and also via branch visit, TD Bank states after their investigation fraud did not occur as chip card was detected! XX/XX/XXXX TD Bank contacted via text asking if I authorized {$1000.00} charge to XXXX which I did not. They told me freezing my account and would need to go to branch and get new debit/ATM card. On XX/XX/XXXX when I looked at my account via mobile, my account shown negative balance and broke into tears after seeing 127 Fraudulent charges that all were processed within seconds/minutes/hours of each other and all from state of Florida and meanwhile I was using MY card on legitimate charges here in MA. I hereby state that I did not authorize any of these charges nor authorized the use of my card to anyone ever. 127 changes break down as follows : XXXX allowed ( 92 ) charges totaling {$4000.00} ; XXXX allowed ( 27 ) charges for {$1100.00} ; ( 1 ) XXXX XXXX XXXX {$27.00} ; ( 1 ) XXXX XXXX - {$11.00} ; ( 1 ) XXXX  XXXX - {$11.00} ; ( 1 ) XXXX  - {$6.00} ; ( 1 ) XXXX XXXX - {$47.00} ; ( 2 ) XXXX  charges totaling {$14.00} and ( 1 ) XXXX  {$21.00} : Total of 127 FRAUDULENT charges totaling {$5300.00} all from FLORIDA! TD Bank also processed insufficient fund charges and I have returned check fee from my mortgage company as they returned payment - the stolen money is for back pay of mortgage and I need this money credited back to my account before they start any legal proceedings. I need help please. Can not reach a live person at TD Bank Dispute and Claims department and only can dispute via phone or branch then wait for a letter in mail with decision which I have been denied twice. TD Bank employees in branch and on phone state that fraud is apparent due to time stamps, amount of charges made, card charges being made in Florida and MA at same time but keep being denied MY money - please HELP this has been going on for exactly one month today. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover card decided to unilaterally close my account last year. I was unaware that the account was closed for non-use, since I received no notification that I needed to use the card to keep it open. 

When I spoke with the customer service rep today, she was unwilling to submit my request to reopen the account. I have never missed a payment in the 20+ years I have held this card. 

It's clear Discover does not value my business and instead was attempting to " reduce risk '' by closing my account with no notice. I am beyond disappointed that this is how they are treating long-term customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a bill with XXXX. It was sent to collections and i paid the bill in full to comast. It cleared through my bank. It was reported on my credit report by 2 different collection agencies for 2 different amounts. I disputed them both and one was removed. However, the collection agency, covergent outsourcing Inc, will not correct the issue. I disputed it through all credit reporting agencies providing proof of it being paid and with convergent outsourcing several times. The dispute just keep coming back as the information being accurate. So then I requested verification of the debt. Convergent outsourcing sent me the original bill from years ago saying it was valid as of XX/XX/XXXX. This is incorrect because I paid it to XXXX. Sending a copy of the original last bill from years ago isnt proof of the amount owed as of current. I have tried several steps the get this corrected and they will not update or remove it from my credit report, even though when I paid XXXX they told me it would be removed from my 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 2021-09-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in recepit of a letter dated on XX/XX/XXXX from XXXX XXXX XXXX. They have stated that they are the new creditor on an alleged debt and stating that I owe an alleged debt. While reviewing the letter, I came across many violations pertaining to my consumer rights. Under the FDCPA, Congress states that a debt may be sold from a credit, but not my private information. 15 USC 1692c ( a ) alone states " without prior consent of the consumer given directly to the debt collector ... a debt collector may not communicate with a consumer in connection with the collection of any debt. '' I have never consented to contract with XXXX XXXX XXXX and they have breached my privacy.

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 2020-11-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Select portfolio servicing collected {$250000.00} from the closing of my house XX/XX/2020. Then returned the money without a release. The title company sent it back. I dont know where the money is from the sale of my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Several of my accounts at Transunion are not reporting monthly as required by law. I have two XXXX  XXXX credit cards that have not been updated since XXXX 2017. I have contacted Transunion XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time Transunion blames XXXX XXXX, however XXXX XXXX has provided me with proof of monthly reporting to Transunion. Another account I have XXXX XXXX Transunion is with holding the reporting of this account. Another account XXXX XXXX loan again not reporting monthly payments. 
I have contacted all companies and have proof of reporting to Transunion. XXXX XXXX has filed their own investigation as to why they have not reported my payments in 4 months. Enough is enough. Transunion is manipulating credit scores.

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 2021-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I previously sent four update letters to all three credit bureaus, which are TransUnion XXXX  and XXXX. I've sent them many many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other 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 explanation
Consumer complaint received 2017-11-25
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Recently, I found a collection on my credit report from the XXXX XXXX which is already over 4 years. 

They have called me anytime including weekend and sent a letter to threaten me to pay for it or put a collection which has been passed a long time ago. 

Pennsylvania, the creditor has four years from the date of the last activity on the account to file a lawsuit against a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: National Credit Services, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Apparently I have a student loan over 33 years old that was supposed to be disposed of due to the school in question XXXX XXXX XXXX in XXXX Ohio. I attended for 2 weeks. The school was supposed to return the loan, I myself never received any funds. A few years later the school goes out of business and is sued for it's practices. I never heard anything else about the matter. Every few years I would be contacted by the US Dept of Ed attempting to collect. I would speak to someone and nothing would come of it. Here recently I have a debt collection company that is threatening garnishment if I do not respond in a timely matter. I have and sent the correspondence by certified mail with a change of address. I do not live at the address stated, but they continue to send time sensitive material to this address. They are trying to force a default judgement and I need to know what is my recourse. I have requested a hearing from the US Dept of Ed I do not have any information from 33 years ago showing what I stated was true. But they should have knowledge of this action taken against this school. I will not volunteer any financial information to the collection agency in good faith due to their actions so far and reading complaints from the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The accounts were open inXX/XX/2014. The amounts are - {$620.00} - {$670.00} - {$350.00} I've send them complaint letters directly. I have also explained to them that these accounts/debits are not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Wells Fargo illegitimately charged me over {$500.00} in overdraft fees, did not provide any assistance to remove those fees, and proceeded to close my account without option to reinstate the account.

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 2018-03-19
Company: Experian Information Solutions Inc.
State: NJ
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:
This is my fifth dispute with Experian with XXXX account : XXXX On XX/XX/XXXX Experian sent me credit report number XXXX Experian States on the XXXX Account Date opened : XX/XX/XXXX/ First reported XX/XX/XXXX, / Terms 1 month, / High Balance ; Not reported, / Original amount : Not Reported./ Recent Balance : Not Reported, / Comment : Account paid In Full for Less than full balance. This item was updated from our processing of your dispute In XX/XX/XXXXDate of status XX/XX/XXXX.

Now lets get to my Facts, First, I want Proof that I made any such payment. I want to see a cashed check, Or any method of such payment you claim I made on XX/XX/XXXX. I want my name on check, my signature and date. I want XXXX, to also show such Proof of ANY payment I made in XX/XX/XXXX.

The Fact IS : I have XXXX XXXX Statement that shows NO such payment to XXXX  or any one. I can provide PROOF for XX/XX/XXXXand XX/XX/XXXX XXXX XXXX Statements that no payment was ever made. Not even Less tahn The full balance.

Fact, This is a Flat out Lie and Fabrication from XXXX and Experian.

Fact, Payment was madein Full and account was closed.

Fact, Experian Has broken the LAW.

Fact, Experian Has not Verified this XXXX account and Failed to Provide Proof after many disputed requesting to show proof.

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 2018-03-19
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Approximately four or five mos ago attempted to order my annual credit report from all three agencies online as has been done w/o problem in years past. I couldnt get access online and was prompted to try via phone. I thought they were successfully ordered but apparently they werent or they hit a hiccup. Revisited the site and got the form to mail in, that was approx three mos ago. I heard back from XXXX  only, requesting a bunch of prove-you-are-you data. Equifaxs phone was answered by someone I couldve imagined running drugs as a second job. I can get an outline of a current report via an online credit /identity monitoring service but this isnt what Im used to and whats going on in this pit of darkness? I dont believe they have to worry too much about lawsuits ( because corporations are people and the individual is lesser than a person ) so what appears to be hypercaution may not be so which is concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I found out that I may be potentially impacted from the credit breach that occurred at Equifax. Please try to help me in any way possible and include any information I need to do to protect myself from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in recepit of a letter dated on XX/XX/XXXX from Credit Corp Solutions. They have stated that they are the new creditor on an alleged debt and stating that I owe an alleged debt. While reviewing the letter, I came across many violations pertaining to my consumer rights. Under the FDCPA, Congress states that a debt may be sold from a credit, but not my private information. 15 USC 1692c ( a ) alone states " without prior consent of the consumer given directly to the debt collector ... a debt collector may not communicate with a consumer in connection with the collection of any debt. '' I have never consented to contract with Credit Corp Solutions and they have breached my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is invalid due to identity theft. The original account by XXXX XXXX was reported as fraud and blocked. 

It has been sold to JEFFERSON CAPITAL SYST and they are attempting to collect on a fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: EQUIFAX, INC.
State: NV
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:
have a few hard Inquires on my credit report, that I don, t know about. 
XXXX 2 time, XXXX 2 times, XXXX. 

dont know if someone is using my info to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America froze my account in sometime in XX/XX/XXXX because it alleged that certain funds I received in my account did not belong to me. BOA told me over the phone it was investigating my account and never sent me any correspondence. I had received a {$10000.00} cash deposit from a family member to help purchase a car. After months of waiting for the resolution, BOA later closed my account which had an estimated balance between my checking and savings account of about $ XXXX and now said it was due to $ XXXX check paid into my account. I told them that no XXXX check was paid into my account that they should send me a copy of the check. BOA reported me to check systems and their action prevented me from being able to open other accounts with other banks. 
In XX/XX/XXXX, I called back again and demanded to speak to a supervisor and again explained my situation and asking what happened to my balance/refund, BOA now sent me a check of {$3400.00}. I told them this is less than my actual balance and told them to send me my bank statement as at the time the account was closed, BOA sent me blank statements and nothing showing any figures. 
I want the CFPB to please open an investigation into this case, was there a check really paid into my account, and if not help me get my money back from this bank, I want nothing to do with them in future. 
BOA is notorious for closing accounts even when it lacked the proof that a transaction is fraud. They tell you they have a right to close your account for any reason but if they can not prove any wrong doing which their was none in this time, they must issue a full refund.

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 2017-11-25
Company: Navient Solutions, LLC.
State: OK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
{$80000.00} was paid from my trust account with my social security number from the 15 U.S. Code 1692e Fair Debt Act.after payment i received a notice of receipt of paid in full about 2 weeks later i got a notice that the payment was there but they state that they had a notice of incorrect account. i request a coy of the reject code from my trust account the oringal stamp to report to the bank that was set up at my birth. I feel my consumer Right are and have been violated. and no full disclosure with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2017 at XXXX XXXX, I received a denial for a recent application. I did not reapply nor did I ask or authorize this company to make an inquiry on my credit. They will not be to provide you a call recorded nor a documented app or request for higher loan limit. 
Especially since I am an existing customer with current loan already. So that is more evident I did not apply. This is the second time they have done this in the past two years ; apply for a hard inquiry on my credit that was not initiated not authorized by me. I want them fined and penalized.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to verify a debt claimed to be owed to XXXX XXXX XXXX that is being collected by I.C. Systems, INC. I have sent I.C. Systems, INC multiple certified letters trying to dispute this debt, and I have yet to receive a response for the requested information. 

I contacted I.C. Systems, INC today in order to get the account number and was told by a representative of I.C. Systems, INC that they are not required to respond to disputes. 

I additionally have asked I.C. Systems, INC why the debt listed on my credit report is showing an account number that they can not find within their systems at all, but was told that they have no idea why that account number is showing and that they have no idea of how to rectify it.

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 2019-05-01
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contact Wakefield & Associate on XX/XX/2019 about a medical debt that's on my credit report I am formed them that it was not mine I have medical insurance. I asked them to send me the HIPAA release form in any information with my signature on it. they refuse to remove it off my credit report and refuse to send me the HIPAA release form.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: AmerAssist A/R Solutions, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMERASSIST AR SOLUTION ( Original Creditor : XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

.

Company response to consumer: Closed with explanation