BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2019-04-19
Company: SUNTRUST BANKS, INC.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have funds in my Suntrust account that will allow me to pay off my loan with their lending company, LightStream. I went on Suntrust 's account to transfer the money, but the site would not allow me to do that. I went onto LightStream 's website, and it would not allow me to make a same day payoff. The earliest I could payoff my loan was Tuesday XX/XX/23. Not wanting to be charged additional money for this, I called. They, too, said I could only make a payoff for Tuesday XX/XX/23. I advised I did not want to pay the additional interest, and they told me unfortunately that is their policy and I will pay around {$8.00} extra in interest because of this. I spoke with a supervisor, who also said I would not be able to pay my account today. I had to schedule something for Tuesday XX/XX/23. I called a local Suntrust branch to ask if I could go to a branch to payoff my account in person, but I am not able to do that, either. I believe this is an unfair and deceptive practice. Although this amount may seem trivial, when multiplied over their customer base it becomes quite the scheme. I believe that if I want to make a payment for today 's date, it should not be refused.

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 2022-03-04
Company: One Source Technology
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I plead " NO CONTEST '' and the disposition says " GUILTY '' and I want it changed to " NO CONTEST '' like it says in the actual original record. 

Here is the link : XXXX : XXXX? XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  " Guilty Due to No Contest Plea '' is what is says but I plead NO CONTEST because they did not allow me to take my case to trial or have legal representation. 

If you would like to further discuss the matters please contact me at XXXX. 

1. I was forced to choose between legal representation or no trial. 
2. My Attorney tried to quit XXXX month before trial you can see I was going. 
3. Judge would not allow me to fire my attorney before he wanted to quit.

4. I could not afford a private attorney.

5. All last minute.

6. I could not have a new attorney assigned to me until the old one was off my case.

7. This was not an armed robbery by definition.

8. This was an inside job.

9. Injustice happened to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have encountered what looks like a deceptive practice in how TD Bank runs a 0 % promotional interest rate for new purchases. The statement does not include info about the promotional rate or indicate when the rate actually ends. My request to TD bank for this information did not produce a full answer, and I ended up being charged some interest I was not expecting to be charged. The statements include an " IMPORTANT MESSAGE '' at the bottom of the first page, but it refers to a section of the payment information block that doesn't exist. All in all, I think this is rather deceptive. I wound up being charged {$51.00} in interest that I think was not properly charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-07-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have been paying for USAA 's ID Theft & Monitoring Solution Services for several years now. A year ago I suffered identity theft and credit card fraud. I contacted USAA immediately and they. While slow in reacting and requiring intervention by the CEO 's office, as USAA repeatedly re-entered the same fraud claim multiple times, they issued credits for the fraudulent charges. A year later USAA reversed the billing dispute against regulation Z of the consumer protection laws billing dispute time frame and without actually truly investigating the fraudulent charges, relying on circumstantial evidence. <P/>This complaint however is in regards to the paid theft fraud assistance resolution and paid identity theft insurance policy provided with this paid service. In contacting the dedicated fraud resolution expert, they offered no assistance at all. Not even in helping to finish removing fraudulent hard pulls on my credit reports. <P/>Furthermore, despite paying for the service I am unable to view or access the majority of services that come with my subscription. USAA restricted my access and has continued charging me. I am unable to view any alerts, including monitoring alerts, any of my credit scores, internet scans, or reports. <P/>Lastly, when I inquired as to how to access and file a claim with the Identity Theft Insurance policy that comes with this subscription, I was told they were n't sure and given no further information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I 'm in the process of buying a home, my lender pulled my credit and an account just reported XXXX XXXX # XXXX by Transunion for {$10000.00} collection account which is NOT mine. This is false information I called XXXX XXXX # XXXX XXXX they do not even have my social in their system. This needs to be removed ASAP. AGAIN THIS IS NOT MINE AND NEEDS TO BE REMOVED. Your company 's inaccurate reporting is costing me a lot of money and to buy a home. PLEASE HELP ME

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 2021-10-15
Company: PNC Bank N.A.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I received correspondence notifying me that my mortgage was transferred from XXXX XXXX  to PNC Bank. I contacted PNC Bank for assistance to establish an online account. The rep. stated that I couldn't enroll until XX/XX/2021. 

On XX/XX/2021, I contacted PNC Bank to establish an online account because the online feature was not working. I was told that I needed a pin # to create an online account. I was given a pin # and then told that I had to enter the pin # within 15 minutes. I did that and the system still did not allow me to create an online account. 

Again on XX/XX/2021, I contacted PNC Bank and the representative tells me that they will have to " mail '' me a pin # in order for me to create an account, but they are " able '' to take a payment from me over the phone in the meantime. 

I explained my concern for providing my banking information without having an established online account. The rep then tells me, " if you don't make a payment by the end of the month, then I will be penalized for the late payment ''. 

In my opinion, PNC Bank has established a business model that will guarantee penalty payments for new customers. The antiquated process ensures no one will be able to set up an online account in time to make online payments ( without a penalty ). For example, if their existing system is unable to recognize my account information to establish an online account, then why should I have confidence that my payment " over the phone '' will be applied to the correct account that doesn't exist. 

This business practice needs to be investigated and PNC Bank needs be held accountable for establishing antiquated systems that provide barriers to consumers attempting to make mortgage payments on time ( without penalty ). 

Thank you in advance for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt is incorrect and is over 10 years old it is over the statute of limitations. They are trying to sue me and garnish my wages. This debt was from Michigan over 10 years ago and the amount is over doubled the amount originally. And they have not provided proof of the original amount and date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-05
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX, XXXX and Equifax have put an unauthorized Fraud Alert on my credit report. I called XXXX  and the over seas rep as VERY RUDE and should be fired. 

I am demanding that all credit bureaus remove this alert and stop putting unauthorized statements or alerts on my credit report to simply try go hurt me. This is getting old and if the alerts are not removed I will be suing them in a court of law. I will not send in proof of address or ID when I have already verified this with the bureaus via phone and security questions. They are playing games. This is what I got via email on saturday. 

ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX19. 
To change or remove this statement requires special assistance and can not be processed online. Please contact us at XXXX so we may better assist you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I would give negative if I could. My TD checking account was locked since I tried to log in online using wrong password many times. I called the customer service line and see if they can help. They said they could not ID me on the phone and I had to go to the branch. The nearest branch was 3 hours away. I said I wanted to close my account but they said I still have to come in to the branch. I am a XXXX and that day ( XX/XX/19 ) I had to reschedule my patients and lost my income on that day plus had to drive 3 hours to and from the bank. When I went to the bank at XXXX, VA, the bankers asked me why my account was locked and why I had to be physically here. They even said they did not know the reason and that is the top security. I told her what? I never owed any bank or even had any collection company called me. They made me feel like I am a criminal. They asked me about my previous address dated back for 10 years, my driver license, my bank statement from the other bank that I transfer to money from and make the copy of the other bank credit card, my SSN and also demand me to show my SSN card. Could all of these be done on email or phone when there is no difference at all whether you would ask me on the phone or see me in person? On top of that they made a copy of my other bank debit card. Is that not invading my security with the other bank? I had to download a statement from the other bank online account and email it to the banker 's email address. Isn't that invading my security? That sounded fishy to me. Are they stealing my money? How could this be possible when every single bank has the option to recover your password or identify you on the phone or online. When I arrive to the branch it was almost closed and the headquarter was already closed so the banker could not close my account until my account was unlocked. I guess TD just want to keep your money for inconvenience. Imagine if you move to the west coast or foreign countries where there are no TD bank around. Why would they even advertise about online banking when it is not online at all. I will demand them to pay my gas and time I waste to drive back and forth and also emotional distress. This is just UNFAIR. I will tell all of my friends and whoever I know to stay away from  TD bank. 
Beware of TD bank, they want to take advantages of the customers who live overseas or in the area where no TD bank located.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: GOLDMAN SACHS BANK USA
State: CA
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 the evening of Friday XX/XX/XXXX fraudulent charges totaling {$7300.00} were made on my Apple Card issued by XXXX XXXX. This was part of a larger identity theft that impacted my XXXX card, a business XXXX XXXX card, two XXXX Bank credit cards and two XXXX Bank checking accounts plus stole all of my Apple Cash. 

All of these other accounts quickly and efficiently closed accounts, blocked fraudulent charges and were a pleasure to work with. 

Not so Apple Card. 

I contacted Apple Card customer service twice on Saturday XX/XX/XXXX. The customer service person said the XXXX XXXX XXXX department was already involved and that my account would be locked and closed. They promised someone would get back to me. 

After not hearing anything I called again on XX/XX/XXXX. I was told that a problem had occurred but this time they would mark the transactions as fraud and get back to me. 

Again there was no contact and another call was made on XX/XX/2022. The customer service person my wife and I talked to today was very helpful but we were surprised to find that apparently none of the charges were flagged as fraudulent despite having called into Apple Card support multiple times in XXXX. 

At this time I read the fine print on my statement and sent a certified letter contesting the charges as fraudulent and demanding the account be closed. I have tracking proof of delivery from US Postal Service that this letter was delivered on XX/XX/2022. 

Nothing happened. 

Also on XX/XX/2022 I mailed a separate letter with a check for {$420.00} which covered my legitimate charges for the month of XXXX. That check was promptly cashed. 

Apple Card is now trying to bill us for the {$7300.00} in fraudulent charges claiming they have no record of multiple phone calls and a certified letter. We have talked to them every day so far in XXXX with no change and every person we talk to says they see no record of us ever having called. 

In the attached statement every charge after the {$26.00} at XXXX XXXX XXXX is fraudulent and was not made by me or any other authorized user.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-09
Company: SUNTRUST BANKS, INC.
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We fell into financial hardship in XXXX of 2017. I am behind on my mortgage payments but I have been making partial payments to try and get caught back up. Sun Trust Mortgage knows my situation but they are continuing to make phone calls up to 5 times a day to the number provided. Obviously, someone 's financial situation does not magically change in just 2 hours between the phone calls. I have informed them of our situation numerous times but they continue with the calls. Like I state to them ... I am keeping the home and I will continue to make partial payments as I can financially afford them. I very much need to keep my home, and I am doing the best that I can to get caught up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: TD BANK US HOLDING COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I am an American living in XXXX. Every month I transfer money from my TD XXXX Trust ( XXXX ) account to my TD Bank ( USA ) to pay my student loan. TD Bank charges {$15.00} USD for this transaction, but because of the account I have the transaction fee is supposed to be waived. TD Bank also charges {$15.00} USD per month for the checking account, but this fee is waived because I maintain a balance of {$100.00} USD. <P/>Last month, unbeknownst to me TD Bank charged me the wire transfer fee. Next, when my student loan was debited from the account, it caused my account to be charged the {$15.00} maintenance fee. Thus, TD Bank wrongly charged me {$30.00}. Upon discovering this error I called and was able to have the fee reversed after an hour of being passed around on the phone. <P/>This month I can see that they have again charged me the {$15.00} transfer fee. From my TD XXXX Trust account I can only see the total of my TD Bank account -- I can not see all transactions -- but I can see that it is {$15.00} short. When I try to log into my TD Bank account to see the transactions in detail I am now locked out of the account. When I called to get the account unlocked they refused and implied that I am an impostor or identity thief. <P/>Next, I had to go to a TD XXXX Trust branch to show them my I.D . The employees at TD XXXX Trust said they would try to call TD Bank, but the issue has yet to be resolved. <P/>TD Bank is trying to defraud their account holders of fees. More so, TD Bank is trying to make it difficult for account holders to discover their " mistakes '' and have them corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase has improperly withdrawn money from my XXXX checking account for payment to a Chase credit card that I share with my mom but have n't used in over 3 years. 
We both have an online Chase account. She made a payment to the joint credit card from her online account. She nor I have ever verified my XXXX checking account on her online Chase account. I have verified it to XX/XX/XXXX payments to my other Chase credit cards. I believe they have a bug in their system that is authorizing her to withdrawn money from my XXXX account by allowing her access since I have already verified it on my online Chase account. 
Chase will not fix the issue. 
My mom is not computer savvy. She would not be able to confirm the two small deposits into my XXXX account to verified it online. She does not have access to any of my XXXX checks. She has her own money and has never called Chase to access the XXXX account. Chase will not further research this issue. I believe this must be an ongoing issue where Chase is withdrawing unauthorized funds from external bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX and their collector, Convergent Outsourcing failed to properly inform me for when the dept was incurred, leading to believe that I was being Over Billed.

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