BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
HIPPAA VIOLATION NO KNOWN KNOWLEDGE OF ACCOUNT NO CONTRACT OR KNOWLEDGE OF BUSINESS XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$1000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XX/XX/XXXX Historical info Original creditor XXXX XXXXXXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Your statement Comment Current : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Previous : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX XXXX info This item remained unchanged from our processing of your dispute in 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 2022-10-03
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter to the credit bureaus on XX/XX/22 requesting a reinvestigation into some questionable items on my credit report. The items still remain on my credit report as verified, but I was not provided the investigation results. Failure to provide the results and the details are a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2018-02-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
we went into wells Fargo to close all of our accounts due to there practices we successfully closed all of the accounts or thought we did the bank and there credit card department even told us they were all closed and the amount 's we had to pay to close all of them. we paid the exact amount they gave us on XX/XX/XXXX at a local branch and via phone with credit card department at the local branch. we even ask if all of out accounts were closed and the card was cancelled and we were told yes. today XX/XX/XXXX we received a notice from them telling us that there is an outstanding balance of XXXX so I call the bank. to find out how we could have a balance outstanding when we took extra effort to insure that all moneys owe was paid on XX/XX/XXXX.. they inform us that they did not inform us of a pending transaction that hit the account the exact same day we closed the account an we still owe XXXX for a transaction that took place after the card was closed. I ask for specific 's of day and time this transaction took place all they could tell me was it took place on the XX/XX/XXXX some time after we closed the accounts

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 2023-04-26
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Dear CFPB, TD Bank advertised a credit card with the following Cash Back conditions : " You earn three ( 3 ) Points for each one-dollar ( {$1.00} ) of Dining Purchases ; two ( 2 ) Points for each one dollar ( {$1.00} ) of Grocery Store Purchases, and one ( 1 ) Point for each one dollar ( {$1.00} ) of other Purchases. You will earn a total of five ( 5 ) points for Gas Purchases made within 6 months of account open date, or until you reach {$6000.00} in Gas Purchases, whichever occurs first. As a result of your Gas purchases you will earn one ( 1 ) Point for the purchase and four ( 4 ) Points will be added to total five ( 5 ) Points earned for Gas purchases '' Upon the closure of my first statement I had noticed that my Gas purchases have not earned the advertised 5 points. As the result I have a loss about {$8.00}. 

I would appreciate that CFPB takes a regulatory action against TD Bank for practicing false advertisements. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-25
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I checked my credit report today. I have multiple credit cards being reported to my credit that I did not request, have in my possession, nor authorize.

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 2015-09-23
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I unfortunately entered a vehicle finance through Santander. For the past 2 years i have been reorted late and the balance on my car is the same as it was the very first day. i have asked for statements to prove this and have been told no, have been told its being processed, then was told they can only go back 1 year. i have filed complaints with their supposed office of the president, i just want out of this loan without a repo on my record so i can get another car. Never do business with them again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: SLM CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a cosigner on two of my daughters XXXX XXXX Accounts XXXX and XXXX. 
On XXXX at XXXX XXXX I received a call from XXXX XXXX regarding my daughters accounts and that she was applying for a new repayment plan. The call was to determine if I could make her payments based on my retirement income and expenses. After a long conversation and based on information I provided it was determined I could not and that my daughter would be granted a reduced payment for both accounts. 
I was also told if she made three consecutive payments there would be no reporting of late payments to the reporting agencies. All reporting would be put on hold until one of the three payments was missed. They have not been missed and the third payment will be made in the next 3 days. 
A couple of weeks later I received a notice that the account was late and would be reported. I contacted my daughter and she called XXXX and was told there would not be any reporting as long as she made the 3 consecutive payments. 
I called on XXXX at XXXX XXXX and was told not to worry there would be no reporting of the account being delinquent if the payments were made as agreed. 
I called again on XXXX at XXXX XXXX  and again was told the same thing. 
I received a notice from XXXX on XXXX informing me that the account ending in XXXX was 61 days late and my FICO score dropped XXXX points. 
I called XXXX XXXX and spoke with XXXX XXXX, ID XXXX, and she checked told me I had to send a letter to XXXX. I said I would not because this was their mistake and they had 24 hours to correct it. She agreed it was XXXX 's error. After speaking to her Supervisor she told me they were forwarding my issue to their management team for action. As of XXXX the reporting to XXXX   has not been corrected. 
They have basically destroyed my credit rating because of their error and they breached the contract they created with my daughter and myself and need to be held accountable.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, 2017, I contacted XXXX XXXX XXXX through email to get clarification on why I did not receive my security deposit or any correspondents within 30 days of vacating the unit.
<P/>
XXXX XXXX XXXX responded on XXXX XXXX, 2017, that they kept my security deposit, along with charging me an additional XXXX dollars for the alleged damage to the unit. I wrote a letter disputing those charges the same day. Approximately, 1.5 weeks later, they send me a letter with those same charges I disputed.
<P/>
I called the corporate office of XXXX XXXX XXXX to get clarification on the charges. A representative send me over to the collections department, who indicated my file was with a collection agency by the name of All State Bureau. I asked the representative, how are they collecting on a debt that was disputed, without a judgment? She told me to contact the collection agency to dispute the charges.
<P/>
It appears that XXXX XXXX XXXX violated Michigan law. According to Act 348 of 1972 554.613 Action for damages ; retention of security deposit ; waiver.
Sec. 13.
( 1 ) Within 45 days after termination of the occupancy and not thereafter the landlord may commence an action in a court of competent jurisdiction for a money judgment for damages which he has claimed or in lieu thereof return the balance of the security deposit held by him to the tenant or any amount mutually agreed upon in writing by the parties. A landlord shall not be entitled to retain any portion of a security deposit for damages claimed unless he has first obtained a money judgment for the disputed amount or filed with the court satisfactory proof of an inability to obtain service on the tenant.
<P/>
This process was not followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I opened an estate account at Chase Bank following my mother 's passing. One week prior to my appointment to open the account, I was required to bring in all of the required legal papers such as my letters testamentary and the estate EIN. I was told the paperwork passed muster and I was allowed to open the account. A week later I received a letter telling me that I needed to supply further identifying information. I called the 877 number provided but after an hour on hold, I gave up and reached out to the branch for resolution instead. ( This was another option provided in the letter. ) A day later, on XX/XX/2021, the banker reached back out and told me the issue had been resolved. Specifically, he relayed that the branch had scanned the documents a few days after the account was opened and the timing created an issue. I was told the documents had been scanned in by the branch and that I did not need to worry about the issue. I was therefore quite surprised a month later when I received a cashier 's check for the amount of funds belonging to the estate with a notice that my account had been closed. I reached out to the branch and was told they would look into the matter. I also again attempted to call the 877 number. This time I was on hold for XXXX hours at which point the system hung up on me. I discussed this matter over the next few days with branch personnel and was just told that they could not open the account because I live in a state other than my mother 's state of residence which has jurisdiction over the probate. This is a particularly strange reason given that I had just concluded my step-father 's estate that was held in the same jurisdiction one month prior to opening my mother 's estate account. The Bank is under the mistaken impression that the state of probate does not allow the estate account to be held in another state. However, my probate attorney told me it was ok and the court in the case of my step-father had no concerns about my opening the account in another state. 

At this point, I am left with a check for over {$200000.00} that is no longer earning interest. This puts me in the extremely awkward position of not being able to fulfill my fiduciary duty as executor. Chase Bank has been deceptive with me, making false statements with material impact, in that they had numerous opportunities to tell me if they had concerns about opening the account. For example, why tell me they needed identifying information when no additional information could cure what they see as a problem. If they had been forthright, I could have transferred the funds to another bank during the waiting period and continued to earn interest. It also strikes me as unfair in that their back office operations caused me injury that I could not have avoided and it is not outweighed by any benefits. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I mailed out a check in amount of {$240.00} to " XXXX XXXX '' for my church advertisement fee on the date of XX/XX/XXXX. In the morning of XX/XX/XXXX, I found out there was a transaction of that same check in amount of {$2200.00} and made out to a person 's name as XXXX XXXX XXXX XXXX and on the memo section it said XXXX XXXX '. Someone definitely altered my check by adding '2 ' in front of my original XXXX and squeezed in 'XXXX ' right in the little tiny space, and changed the payable and the memo. I went to my bank which is XXXX XXXX and made a claim to the Fraud department. The associate told me not to worry and they will investigate on this asap. So far they found out a person stole my check and altered and deposited to Wells Fargo bank. But finally after all that investigation, Wells Fargo sent me a letter saying they are not going to reimburse my money because I could not provide a copy of my check before it was altered. I don't use those checks that come with carbon copies. I don't make a photo copy before I send payments to my bills. All I have is the statement the " XXXX XXXX '' sent me and a note that I wrote on that saying " XX/XX/XXXX Ch # XXXX {$240.00} '' for my record. Both banks made huge mistakes. Now they are blaming on me. What should I do?

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 2021-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 CAPITAL ONE XXXX  FINANCE, known as XXXX, sent several documents to the CFPB in response to my complaint. XXXX demonstrated several violations in this response. XXXX sent XXXX debt communication letters, and a retail installment contract with billing errors. These items are an violation of my consumer rights. The finance charge on this obligation was for {$10000.00}. The total sales price is {$39000.00}. According to 15 U.S. Code 1605 - Determination of finance charge ( a ) ( c ), the finance charge is the total sum of all charges and any charges against the damage or loss of vehicle must be included in this price. 

XXXX sent XXXX debt communication letters all in violation to 15 U.S. Code 1692c - Communication in connection with debt collection. 

I, XXXX XXXX, never gave XXXX any permission to report any of my accounts to the CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Over and over again this company continuously fails to protect consumers. 

ALL OF THE FOLLOWING IS FRAUDULENT. 

I have contacted this company and patiently awaited replies only to receive nothing. They have on my credit report listed " XXXX '' inquiries. XXXX? That is more than XXXX a month on average. I work in the XXXX XXXX and i am not even off enough during the months to do such a thing. I am sick and tired of my husbands ex wife being able to run my credit without anything happening. I am going to paste a list of inquiries that are fraudulent and i would like them removed. I am in the process of seeking legal action against the person responsible but in the meantime i want equifax to realize these are fraudulent inquiries i mean i do n't have that many accounts on my credit report and the ones i do are shared with my husband. Please remove these fraudulent inquiries. 

Name of Company Date of Inquiry XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX : XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/23 I sent {$250.00} by XXXX thru my Truist Bank Checking account to my son. 
Confirmation # XXXX. My son had changed bank. He did not receive the funds. He contacted XXXX and was told the funds would be returned to me if not received in 10 days. He never received the funds and they were not returned to my account. 

I contacted Truist and was turned over to their fraud division. Gave them the information. 
They issued complaint # XXXX. On XX/XX/XXXX they sent me a letter stating the following : " Based on a review of our records and the information gathered during the course of our investigation, we have determined with respect to the above-reference amount that the transaction was initiated by you for the amount due for which you received benefit. You are encouraged to resolve the matter with the merchant. You have the right to request a copy of any documents that we may have relied on in making this determination ''. 

I did not receive any benefit only a loss in funds. 
They have advertised using 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 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I was sent a letter from XXXX saying there was a breach and my personal information was leaked when I checked my credit report there was accounts and inquiries that didn't belong to me I filled a report with th ftc as advised

Company response to consumer: Closed with explanation