BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-28
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
We attempted to purchase a XXXX  XXXX XXXX through XXXX  XXXX XXXX. When the item never showed up we cancelled the order on XX/XX/XXXX. We were advised that it would be processed and we would not be charged but it could take 2-3 weeks to process. The refund number is XXXX and XXXX. On XX/XX/XXXX we received another bill from XXXX  XXXX XXXX ( 2nd billing ) now also including late charges for an item we never received and was to be cancelled. We have contacted the finance area and customer service and are getting no help in getting this resolved. As of today it has been 33 days since we cancelled this and we are still being charged billed for financing on a product we don't have. If this is not resolved in the next 10 days this could result in late payment reporting on our credit bureau. This is not acceptable and has been a horrible customer experience. No one from the sale/customer service or returns area is wiling to assist with the financing area and the financing area continues to say it is the returns area. They are pointing fingers at one another when we are the customer stuck in the middle. I have attempted to also escalate this to the corporate office and they also would not help or provide any contacts. The director of customer service refuses to take calls from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received my unemployment direct deposited into my account and the day my backdated unemployment deposited into my account the closed my account. Saying they wanted me to verify that it was my money and not an accident and I did and they still are holding my money XXXX. This single action made me homeless living on the street with no way to live all because I was not able to pay my rent due to covid and waiting for my unemploynr t to be approved after fighting them to just lose it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: CITIBANK, N.A.
State: NJ
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:
I have a AAdvantage Citi Card MasterCard. In XX/XX/XXXX, I was looking at my account and noticed that my mailing address had been changed to an unrecognized address. I called the company and later learned that the following things happened on my account and I was NEVER notified : Someone logged on as me, changed my address, added an authorized user and requested a new card be sent to the address. All of these actions were not authorized by me and Citi did not do ANYTHING to protect my security. I realize that unauthorized actions happen, but the fact that all of the above happened and I never received one confirmation email, phone call or alert to ensure I authorized the changes. I've called and complained and ask for more information and have yet to find resolution. I've asked for call backs and have not received them.

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 2018-11-28
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification through myfico credit monitoring that a collection account had been added to my account. I logged in to see what it was about and saw that Waypoint Resource added an account on behalf of XXXX to my credit profile. Not only is this debt erroneous and obviously unverified according to FCRA requirements, but this is my very first time ever being notified of the debt. I have never received a letter or phone call to notify me of this fraudulent debt. They took away my right to dispute the debt which I believe is a violation of the FDCPA and the FCRA. This account has caused my credit to plummet and I am demanding this account be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Follow up on this claim which was closed but needs to be followed thru -Complaint number : XXXX This claim was closed regarding XXXX since the check was deposited with Citi Bank but Citi Bank has the check since XX/XX/XXXX and deposited it into one of their accounts and has yet to deposit the check into my account after calling them several times and visiting a branch in XXXX XXXX , Florida . They told me I needed to open up an investigation regarding the check which I did but nothing has happened. The check has my name on it but for some reason XXXX sent it attention to Citi Bank, c/o XXXX XXXX in XXXX Citibank branch.Check # XXXX dated XX/XX/11. I don'yt understand why the money has not been transferred to my citibank checking account as of yet.

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 2021-06-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
We have two ( 2 ) XXXX account entries within one consumer file. 

One recent, current, in good standing.

One delinquent, verified, updating monthly.

Shouldn't the one delinquent be corrected to reflect settled, or removed at best?

Regarding the one delinquent, direct disputes were initiated. Responses to XXXX unfavorable, verified as accurate. Challenged was the completeness of the furnishers reports. There's truly nothing there. 

At this stage it really is a best action to submit XXXX. 

Payment submitted to creditor electronically via 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 2021-03-05
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-07-14
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Consolidated all qualifying loans with Fed Loan on XX/XX/XXXX. Started working for eligible PSLF program starting XX/XX/XXXX through XX/XX/XXXX. However, Fed Loan states that XX/XX/XXXX " You Do Not Have A Bill Due For This Payment Period '' and XX/XX/XXXX " You Do Not Have A Bill Due For This Payment Period '' therefore are not counting these two months as a part of the 120 months for payment which doesn't make any sense as I was working for a qualified employer since XX/XX/XXXX. Fed Loan also states that from XX/XX/XXXX - XX/XX/XXXX my employment isn't certified even though I fill out the recertification of employment annually without missing any steps to keep record of the count. I recently filled out the recertification form ( XX/XX/XXXX ) to re-certify the same employment I've been working at since XX/XX/XXXXand was emailed " We will process your Income-Driven Repayment ( IDR ) recertification request once the final bill of your current schedule is generated on XX/XX/XXXX. '' This statement also doesn't make any sense as my final bill shouldn't be until many years down the road. I would like an updated official count on my PSLF loans before my loan is transferred to another servicer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
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 have attached an FTC report with a fraudulent collection which is 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 non-monetary relief
Consumer complaint received 2020-08-20
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TD Bank received my mortgage payoff on XX/XX/2020. As of XX/XX/2020 - 22 business days later, I have not received a refund of the escrow balance. I attempted to resolve with TD Bank. They initially said a payment was to be sent on XX/XX/2020. Next I was told I would receive funds on XX/XX/2020 ( 20 business days as required by law ). On XX/XX/2020 I was informed " the check is in the mail as of XX/XX/2020 '' and there is no tracking or validation. This appears to exceed my legal rights XXXX " within 20 days ( excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control. '' They have clearly not returned the funds to me. Stating a check is in the mail is not an excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My Synchrony Bank Amazon card, they offer promotional no interest on purchases, if you make other non promotional purchases in the month you are to pay that total balance off each month to avoid interest charges. I call each month and have went on their account page to allocate my payment each month to charges that would accrue interest first. For example my min payment is {$33.00} if I made a non promotional purchase of XXXX I would pay {$150.00} towards my account to avoid interest and to put money to my promotional balances to get ahead each month. Instead of that happening they charge me interest on a ghost balance that may have been from 3 months ago that was already paid off since I allocated the monies towards, then I have also not made a non-promotional purchase in two months. The statement does not say when the purchases are from it just states " regular purchases '' and the number charges each month even if there is no activity. Last month there were no purchases and a I made a {$250.00} payment there was a regular balance of {$140.00} then this month after the {$250.00} payment last month there is still showing a {$74.00} balance but according to the representative last month who again did refund the interest charge of {$3.00} and admitted that it was not correct, the problem has not been resolved. I called again today and they refunded the interest charge again. This is leading me to believe that they are doing this to see who will fall for this scam and I am not going to accept this. unfortunately people need things and when you have an opportunity to have no interest for 6 months on something big it makes a big deal when living paycheck to paycheck.

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 2021-07-14
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: Reporting company used your report improperly

Complaint:
Under 15 US Code 1681b Permissible Purposes of Consumer reports A ( IN GENERAL ) Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written insturuction of the consumer to whom it relates. 

I, the natural consumer, XXXX XXXX have not given Equifax, XXXX and XXXX the Consumer reporting agencies any written consent to report any certain information on my consumer report. No consent is identity theft. 
Pertaining to the following accounts, I wish to have the following information removed from my consumer report at my consent. 

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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Affirm Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Affirm is stating I the consumer owe an alleged debt which is false they are using obscene and profane language, which is a violation of 15 U.S.C. 1692d ( 2 ) and a host of others violations which I have stated to them via a cease and desist letter. They have been illegally contacting me and abusing FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Navient Solutions, LLC.
State: NY
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:
When I initially started paying these loans they were around XXXX dollars for 1semester of university which. Over the years they have ballooned to XXXX dollars due to interest. Due to XXXX XXXX   and other issues i have always struggled financially and have never been able to pay anything consistently. 

The majority of the time my loans have been in default, forbearance, or deferment. I never really understood how this worked other than my payments would be put on hold. I never really understood how the interest accrued and could balloon. 

It wasnt until maybe the last 5 or 6 years i learned about income contingent payment plans as it was never presented to me when I called in for forbearance or deferment. 

Just in the past couple months i was told there are plans where the government covers the interest on some payment plans. 

This is something that has been a dark cloud over my life and has contributed to my XXXX as i feel i was taken advantage of or scammed because i am an easy target. The payment i owe is literally for nothing. I have no valid credits from my 1 semester of University. 

The interest on my loan begin removed would be ideal outcome. I'm not saying i shouldn't pay anything but i was never educated on the interest accrual. They just always said it will still accrue. 

Also i should never been allowed to put my loans in forbearance or deferment for this long. Income contingent plans should have always been the first option suggested to me. I didn't even know they existed for a long time. 

I'm sending this because i just saw a article navient is being audited for similar complaints and this is something i have stressed about for years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have sent 3 letters to the company that is reported on my credit report on XX/XX/2018, XX/XX/2018 and XX/XX/2018 and have not received an response back for either letter sent that they received. The letter has asked for the company to provide the instrument of original indebtedness to validate that the loan being reported is actually mine. I haven't received a response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: First Credit Services 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:
I have a loan with XXXX and 1ST CRD SRVC ( Original Creditor : XXXX XXXX XXXX XXXX NJ ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX and 1ST CRD SRVC ( Original Creditor : XXXX XXXX XXXX XXXX NJ ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRUIST FINANCIAL CORPORATION
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:
On XX/XX/2020 I have sent a certified letter to XXXX XXXX Suntrust Bank disputing an auto loan that does not belong to me. The auto loan is a business loan that belongs to my father, who has the same name as me as well as lives at the same address as me. Even so my date of birth & ssn is obviously different. I have submitted a copy of my birth certificate & drivers license as proof of identity as well as a copy of my recent bank statement. I have patiently waited more than XXXX with no resolution, from Suntrust Bank. The account shows positive payments as my father pays on time. The issue is preventing me from purchasing a home due to the added debt-to-income, that is 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 2018-05-15
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:
Some issue my social to attempted to purchase a car under my name. I have taking action of calling the dealerships to have them removed i was informed that no paperwork was done these where all done online. Also no one seems to know the correct person or company to result this issue. These inquires was reported to all 3 credit bureaus There are have several inquires in " my name ''. 

XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX  XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX-XXXX   Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/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 2018-11-28
Company: Experian Information Solutions Inc.
State: MN
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-08-20
Company: Navient Solutions, LLC.
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is Navient. They have been robo calling multiple times a day. We've called to ask them why they are calling as my wife and I have never had a student loan. They told me to report them to the " Do Not Call '' registry - if I wanted it to stop.

Company response to consumer: Closed with explanation