BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
TD Bank is holding bank transfers longer than stated in their bank agreement. Money was transferred through XXXX and was received by TD Bank and confirmed by TD Bank received on Sunday. Money is not given to customer for 4 business days. Their banking agreement says 3 business days. The money will not reach my bank account until Thursday which is day 4. Spoke to a manager who confirmed that their banking agreement does say three days. However, they do not release a transfer until the 4th day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX, Equifax, XXXX XXXX all in violation of Family Privacy Act of 1974, 15 US Code 1666B - billing error. Theres no law stating any transaction needs to be reported. I want to ask them about privacy and consent? 15USC1681 ( b ) States all ( 3 ) bureaus can't report anything on my credit report with out my written consent. Which I never gave. 15USC1681 ( c ) -1 Without written consent, It is identity theft. 15USC1681c-2 Once notified which they were they must remove from credit report. They've also been making a profit off of selling my information with out my consent. Violation of 15USC1611 inaccurate information. This is effecting my ability to live. Credit denials because of this information on all of the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX XXXX until recently use to be a Buy Here Pay Here Lot so they still have that Lets Rip Them Off Mentality. This is the most unethical and dishonest dealership you can go to. I signed the Buyers Order that showed there was XXXX down. Then they produced one that says {$500.00} down and they have no explanation why it was changed and wanted me to pay them. I refused so they added it on to my loan plus another {$400.00} that they had no explanation for. I never got to see the Contract because I was told that they could not print it and they would email it to me. When they did, those signatures were not mine accept for the last 3 which they transposed over from my Drivers License. I told them at the time of purchase that I will not pay them {$1100.00} to wash my car. I was told that I would not be charged that Fee. The fee showed up on the Contract that I did not Sign therefor I was Charged. In addition they committed Bank Fraud by financing the car with 2 different Lenders and I verified that they collected the money from both Lenders. That caused me to owe a double car payment. Thanks to the FL XXXX XXXX XXXX XXXX one of the loans were finally cancelled. I called TD Auto Finance and told them that the Contract was a fraud referring to the Amount of Sale and Signatures. The first agent told me that he didn't care if it was my signature as long as he has a Signed Contract. The second Agent gave me the number to there Fraud Department and after several attempts i never was able to connect someone. The 3rd Agent called me and told me in a very rude demeanor that they asked the Dealership if the Contract was Fraudulent and they said no so they are fine with that answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: CULLEN/FROST BANKERS, 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 belongs to someone else

Complaint:
Hi, My name is XXXX XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXXXXXX XXXX,2020 XXXXXXXX XXXX2020 XXXX XXXX2020 XXXX XXXX2020 XXXX XXXX2020 XXXX XXXX2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was a domestic violence victim and my card had been stolen and used numerous times. I reported this to the bank and they punished me by not allowing me to use my debit card. I can receive deposits but it's almost impossible to make withdrawals without an atm card. I believe that I have been racially profiled. I did not receive a restriction on my account until I told the fraud department my ethnicity. The bank is making it almost impossible to keep my balance from going negative. I provided all that Navy Federal asked for and my account was still restricted. This bank has been investigated and has had to pay out a class action suit regarding overcharging customers. I believe I have been targeted and I feel like I'm being abused and victimized all over again. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: EQUIFAX, INC.
State: PA
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:
Equifax keep reporting inaccurate information on my credit report. What's reporting inaccurate is my address, and a few accounts I've been disputing over a period of months even a year. Equifax would remove/delete inaccurate items and addresses when I dispute with proof, and then add it back on my credit report with no warning or any proof that its mine. Plus they would send me a letter stated deleted, and it was never deleted. Under the 609 FCRA the credit bureaus must prove that the account is mine with a contract, agreement and provide a reasonable investigation with proof. I disputed my address on XXXX, XXXX and received a letter back from Equifax XXXX XXXX, XXXX stating that the inaccurate addresses was deleted. However I still seen the addresses that I disputed still remaining on my personal information part of my credit report. I called XX/XX/XXXX and spoke with a supervisor and she mention that the confirmation number we have is the same as the one they sent me but the deleted items on the report are different from the report I have. They are scammy and fabricators. The deletions she gave me was from another previous dispute I did back XX/XX/XXXX and they switched it on there records and made it like I just been disputed on XX/XX/XXXX and use the account number as if it's a new dispute. Equifax is violating the consumers rights by such a frivolous action by doing such. Please delete inaccurate information that you know you can't verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: BBVA FINANCIAL CORPORATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I 'm having continual problem gaining access to my funds. I just opened this checking acc't last week, and since then it has been one hassle after another. I was approved for the checking account, then all of a sudden I can not access my funds. I 've spent 2 hours today working on this.
Your Bank wants for information. Why did n't you asked for the SSN and State ID or Drivers License before you accepted my deposit of {$25.00}. I feel that I '' m being profiled unfairly and that if it was a XXXX last Name you would n't be putting me through these changes. This is n't right period. 

I 'm tired of the runaround I 've been given today. I want access to my Account by XXXX today or I am filing a Complaint with the Consumer Financial Protection Bureau. I 'm sorry for this, but it 's not right what you are doing. For the record my SSN except the last 4 digits is : XXXX. My Kansas ID is : XXXX XXXX XXXX XXXX XXXX XXXX ( my new address that I provided is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX XXXX or XXXX which is my preferred contact number. 

It 's a shame it had to come to this. I prefer to be contacted at the preferred contact number or this email address ( XXXXXXXXXXXX ) For the record, I 've enclosed my Kansas ID ( with my former address, city, and state ) and my Birth Certificate that proves I 'm a Citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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 am requesting again in regards to the inaccurate and unknown inquiries on my credit report. There are multiple errors shown in my report. Please verify that all inquiries is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: Upgrade, 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: Account information incorrect

Complaint:
The credit reporting from this company is riddled with changing inaccuracies. In XXXXXXXX XXXX  it reported me as being 30 days late with my XXXX payment. Then in XXXX XXXX it correctly removed the 30 day late on my XXXX payment but replaced it with a 30 day late on my XXXX payment. The in XXXX XXXX it correctly removed the 30 day late on my XXXX payment but both incorrectly put a 30 day late for my XXXX payment AND showed me as owing {$180000.00} -- my original loan amount was {$20000.00} and I owed about {$18000.00} The bottom line, this companies reporting is haywire. I have tried to speak with them to address these numerous, changing inconsistencies but they have been almost as erratic with their customer service. 

For the record, I am paying down a {$20000.00} loan and I have never been 30 days late with a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, forward correspondence stating I owe XXXX {$120.00} ; which I'm a current XXXX customer. I ask for billing information, to speecify my charges and what and how I owe. Yet, keep get new correspondences with my previous addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have been contacting Equifax for several months in regards to removing closed on accounts on my consumer report. Equifax has not made any attempt to remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I called and spoke with a CFPB Representative on XX/XX/XXXX regarding the above complaint filed with CFPB. We spoke at length about my problem with a Reverse Mortgage Agreement entered into with Wells Fargo Bank in XX/XX/XXXX that was transferred to XXXX XXXX the first of XX/XX/XXXX. At the time of Initially applying for a Reverse Mortgage through Wells Fargo real estate representative XXXX XXXX, located in XXXX XXXX, Idaho, on or about XX/XX/XXXX, I went through a training session with a Community Action representative in XXXX, Idaho, in order to acquire the loan. Before the loan could be implemented, the training certificate had already expired. I had gone to California for a visit. Wells Fargo was in a rush and required me to sign the loan in California, though the property was in Idaho. They sent a notary to my friend 's house to get my signature on documents, who failed to show me the details of each page I was required to sign. Though the home I own is on five acres, in the process of acquiring this loan on my home, I was goaded into providing an additional parcel of land of another five acres. This additional land is a separate tax entity and is not included in the tax payment on my land. Regardless the loan documents were drawn up to include 10 acres. Taxes are always paid as a separate entity. The appraiser appraised my home and verbally told me the appraisal was {$370000.00}, an appropriate amount of the reverse mortgage was never funded, and the additional amount of land Wells Fargo would own was tacked on later. I endured the situation through the recession, but near the end of XX/XX/XXXX Wells Fargo notified me that another company, XXXX XXXX, would be taking over my reverse mortgage.

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 2017-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
part of the National Mortgage Settlement, BofA Modified my first TD and was to extinguish the 2nd Mortgage Lien. This is included in the judgment. its also listed on page 12 of the National consumer Law Center " understanding the National Mortgage Settlement '' it states : Bank of American delivers additional second-line mortgage relief to homeowners through an extinguishment program. The bank sends borrowers including those who have filed chapter XXXX or chapter XXXX bankruptcy, a one page letter describing the program. A Homeowner who does not want the mortgage lien extinguished must contact Bank of America within 30 days. if the homeowner does not respond, the second lien is released and the associated debt forgiven. Given the opt-out structure, participation rates in the program are reportedly extremely high. Bank of America reports these extinguished debts to credit bureaus as paid in full. .... this is my case, i currently have a creditor who is trying to foreclosure on my property relating to the 2nd mortgage that was extinguished through the National Mortgage Settlement judgment. They have filed for a notice of sale and was force to file Bankruptcy because they do not want listen and review the National Mortgage settlement act. B of A did not complete the process and filed the Recon to release the lien as stated in the law suit. My first was modified and part of the principle was forgiven. The company who is acting as the lien holder for the 2nd does not want to acknowledge and is requesting for the foreclosure proceedings to continue. Its been so much pain going through this process again knowing they dont have any rights for try and collect on a 2nd mortgage that was included in the National Mortgage Settlement judgment.

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 2018-09-27
Company: JPMORGAN CHASE & CO.
State: TX
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:
Consumer justice : XXXX XXXX and Case Bank On XX/XX/18 I flew XXXX XXXX to XXXX AZ to visit my Uncle who was battling XXXX. At the airport I was approached by a representative of XXXX XXXX and Case bank - promised me XXXX points if I signed up for and was approved for their XXXX XXXX Visa card. Planning for the future when I would need to return, I agreed and signed up. I was approved - then they said " oh you don't get the points now, you have to spend {$2000.00} in the next 90 days to get the points ''. So I did that. In less than 60 days even I have spent more than {$2000.00} on their card ( for qualified purchases even ). As of XX/XX/2018 I have spent {$2000.00} Now they say " oh no you can't have the bonus NOW. You have to wait till the end of the billing cycle - which is XX/XX/XXXX. And even then it could take 6-8 weeks for the points to transfer.

My Uncle passed XX/XX/18 - the memorial will be XX/XX/18 I only signed up for the card so I could go back for the funeral. 
I talked for 6 hours to Chase ( Customer service Reps : XXXX and XXXX and Supervisors XXXX, XXXX and XXXX ) and XXXX XXXX ( CSR XXXX ). And while they assure me they are sorry for my loss - they will not honor the original agreement. They promised me XXXX travel points as a bonus for signing up. I did my part. They won't find or even look for another way to accomplish the same goal. 
All I have gotten are excuses and policy quotes. 

The will not accept responsibility for their representative and honor our agreement ( XXXX point for singing up and getting approved ) - even though I went beyond and met their " Extra '' requirement of spending.

I even found another version of the same program with lower conditions ( XXXX instead of XXXX reward points for spending {$1000.00} vs $ XXXX ). I did that within the first billing cycle. So they could just change me to the lower program and I would have met all the requirements and they could get me to XXXX. 

There is no help from either company. I can not afford {$700.00} in plane fare. 
The initial promise from the man who signed my up constitutes fraud - Why can people not just own up to their responsibility and do what they say? I don't care I just want to go to my Uncles funeral. 

Can you do anything to help get me to XXXX? The funeral is XX/XX/XXXX. 
Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: PLANET HOME LENDING, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Planet Home Lending did not offer loss mitigation services or notified my possibilities before the 45 days before the sale. I received the notification by regular mail 39 days before the sale. There was not enough time to complete the loss mitigation application. I received this application because I called them on XX/XX/2022. They never contact me prior my call to request help with my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, 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:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX LOST XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$440.00} ; XXXX  XXXX Balance : {$930.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$65.00} ; XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation