BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-27
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I left the U.S. in early XXXX  to spend the summer in XXXX. I returned in early XXXX. During this time I had an outstanding balance on my XXXX XXXX credit card of {$46.00} which was the final payment in a promotional offer I took advantage of earlier in the year. It being the final payment it was an odd amount that was different from the previous automatic payments I had set up. I was not receiving monthly statements so when I arrived in XXXX I checked my balance in order to pay the balance in full which I did. In spite of the fact that the payment was made in full I was charged {$24.00} in deferred interest however this deferred interest did not appear on the total balance due which was posted when I checked on line so I was unaware that there was anything further due until I returned home and looked at the XXXX statement which now is up to {$53.00}. If the interest had been applied when it became due I would have been aware of it when I checked the balance and I could have handled it then. Upon speaking with a representative I was told that if I had called in XXXX they could have removed the charge but because I waited until XXXX there was nothing they could do. I was told I could fax my complaint but I don't have a fax ( haven't had one in 10 years ). I was told they could not go back more than 60 days over the phone so I was left with no other alternative than to submit this complaint to the CFPB for resolution. Whatever the miscommunication was that resulted in this, I do not think it's fair that I should be penalized {$53.00}. If the deferred interest had been posted in a timely manner it could have saved the confusion. Thank you for your help in getting this resolved. I would also like to make sure that my credit rating does not reflect this error. If you check you will see that I am very responsible with handling any outstanding debt that I take on and it would be extremely unfair for this to be used against me. Again, thank you in advance for your help. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-18
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been attempting to talk to a real person at Experian in order to ask questions that I can not find the answer to online concerning my application for a security freeze through them, but there is no way to contact them. They have no phone number that allows for you to speak with a real person, best I can tell, as their main phone just directs to automated services and nothing else. They have other services with phone numbers, but those are specific services that I 'm not interested in using. They have no email or similar contact method. This is absolutely absurd for a company that I need to get in touch with about the security of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Experian Information Solutions Inc.
State: IL
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:
I decided to reach out to the XXXX in regards to late payments that are showing on my credit report because I knew that I was in forbearance and the late payments should have never been reported. I was told there was nothing they could do for the information was correct stating that they reached out to me several times. I never received anything from XXXX in regards to me being out of forbearance. After searching through my emails, it was brought to my attention that my loans originated with XXXX XXXX and XXXX took them over fall of 2014 therefore my late pays from XXXX of 2014 do not fall under XXXX they fall under XXXX XXXX and should be removed. How can XXXX Report to the credit bureaus late pays that were never really theirs? They are reporting false information. As of today I am current on all my student loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: EQUIFAX, INC.
State: KY
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: Didn't receive services that were advertised

Complaint:
In 2016 I contacted XXXX XXXX listed as XXXX XXXX to assist me in opening a small business.We had a number of issues and I was charged for services I did n't receive. I left XXXX XXXX and they have apparently hired XXXX XXXX XXXX a collection company to collect funding from me. They have also added this account to a collections acct on my Equifax credit report. I can not dispute this because no one will give no the account number which shows up as XXXX. So I can not dispute this without a number no one can give me and they are trashing my credit after they have done bad business with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-18
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:
I have an unauthorized hard inquiry from XXXX XXXX on my Experian credit report datedXX/XX/XXXX that does not belong to me. I have attempted to resolve this matter with Experian diretly via phone and even via CFPB but am told continuously told to contact the creditor. This complaint is to make you aware that I have already attempted to resolve this matter with them, as per your instructions and have sent a CERTIFIED LETTER requesting to remove this erroneous record from my report. A return receipt is provided in this complaint which shows it was received by XXXX XXXX on XX/XX/XXXX. The creditor has not responded to my request despite waiting 60 days. Please have this record removed from my report immediately. Attached is proof of my attempt to resolve this matter and have now been left without resolution form both parties and yet I continue to have an adverse record on my report that does not belong.

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 2021-10-25
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I honestly think the bank picks and chooses when they'll accept or deny transactions for automated payments. Since having this checking account in XX/XX/, I've had more than one overdraft fee posted to my account. I contacted the bank more than once to request of having fees waived or refunded. They've only one it one time for {$36.00}. They've made over $ 1,000+ dollars in overdraft fees alone and I just started back working again after being unemployed for over a year. By this time next month, I'm transferring my money to a place where I'm not charged overdraft fees and can hold on to money.

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 2018-01-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have had an awful time with Portfolio Recovery Associates, stemming from their inaccurate reporting to the credit bureaus -- which includes double reporting debts they claim I owe them, to reporting in multiple ways ( Collections account, Credit Factoring account ), etc. I have provided documentation to verify these facts, and they brush them off and say " We don't report as a credit factoring account. '' Additionally, they've been incredibly harassing with phone calls, despite the fact that EVERY SINGLE TIME they call from their different numbers, I answer, inform them that I've instructed them to stop calling me, but they continue doing so. Sometimes I'm able to inform them that I've told them many times to stop calling and have also included that I've sent a cease and desist letter, and the call ends there. Often times it's met by aggressive phone representatives yelling at me or questioning me. It's never-ending with this group. 

I have now saved three different phone numbers that have harassed me from Portfolio Recovery Associates since I first told them to stop harassing me and sending a cease and desist letter : XXXX XXXX ( called as recently as this morning ) XXXX I have open complaints with the Better Business Bureau as well since I have had zero luck working directly with this very abrasive and aggressive group.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hard Inquiry XX/XX/2019 Joint Account XX/XX/2019 XXXX XXXX, and credit Bureaus have closed the fraudulent " Joint Bank Account '' associated Fraudulent XXXX " Hard Inquiry '', but not the Hard Inquiry itself off of my credit reports.

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 2021-10-25
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
* I applied for a checking account online with Chase on XXXX. The application was accepted and the account was boarded. 

* I made a small deposit to my new Chase checking account from my existing XXXX XXXX XXXX account on or around the same day. The money did materliase in my Chase account. 

* I received a debit card in the mail on or around XXXX. 

* On XXXX I received an email notification from Chase, requesting I establish a direct-deposit with my new checking account. I attempted to logon into my online profile, however was informed that my account was locked due to suspicious activity. 

* I attempted to contact Chase the following day on XXXX. I was informed I needed to speak to a special team and to call back the next day. 

* I called back on XXXX. I was on hold for one hour and ten minutes, when the call was abandoned by Chase. 

* I called back on XXXX. I was informed that my account was closed due to identity theft concerns. I asked what were the " red-flags '' that triggered identity theft concerns. I was informed I did not submit any proof-of-identity when the account was boarded and the bank did not know who I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
State: CA
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 already notified experian about account number XXXX XXXX XXXX. They refuse to remove it from my report given that I have already shown them multiple documents showing this account does not belong on my report. They keep telling me that the account is accurate and verified but I have never heard of this company nor have I owned any accounts with their creditor. I recieved a letter from another company about the same account. Two or 3 companies can not own the same debt. I am requesting documentation from experian about this account that they have reporting in my file.

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 2018-07-10
Company: Experian Information Solutions Inc.
State: MO
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:
SENT COPIES OF PAID RECEIPTS TO ALL THREE CREDIT BUREAUS AND STILL NOT REMOVED AS OFXX/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 2020-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
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:
Your complaint on XX/XX/2020, I sent a third party debt validation letter to Portfolio Recovery Associates, requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt has a fraudulent charge amount associated with the account. By law pursuant to 15 U.S.C. section 1681 s-2 of the Fair Credit Reporting Act ( FCRA ), Portfolio Recovery Associates, has failed to validate the this alleged debt in the allotted ( 30 ) day time frame pursuant to 15 U.S.C. 1681 ( g ) ( d ). They have NO signed contract with my signature stating that I gave them ANY permission to access my credit reports which is a violation pursuant to 15 U.S.C. section 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE THAT I AM NOT LIABLE TO. PLEASE HAVE THE NEGATIVE ITEM OFF MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: EQUIFAX, INC.
State: CA
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 applied for a XXXX credit card today XX/XX/20 and I was not approved due to a few accounts and inquiries reflecting badly on my credit report. I wasn't aware that these accounts were on my credit because none of them pertain to me. I did not open any of those accounts nor do I have any sort of written/verbal contract or agreement with any of those companies. I don't know who opened these accounts in my name without my permission but I have already filed a police report as well as a complaint with the CFPB in hopes of getting this resolved. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I wanted to add to my previous complaint-XXXX  as the company wasn't honest with my ability to obtain a loan. 
After filing the complaint, I applied for a loan with another lender and since has closed that loan for almost 60 % more than the amount I applied with XXXX. XXXX  or Cardinal-whatever name they use caused me a higher interest rate. Had they denied me much sooner, rather then string me along, I would have gotten a lower rate as interest rates increased since last XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Experian Information Solutions Inc.
State: CA
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 applied for a XXXX credit card today XX/XX/20 and I was not approved due to a few accounts and inquiries reflecting badly on my credit report. I wasn't aware that these accounts were on my credit because none of them pertain to me. I did not open any of those accounts nor do I have any sort of written/verbal contract or agreement with any of those companies. I don't know who opened these accounts in my name without my permission but I have already filed a police report as well as a complaint with the CFPB in hopes of getting this resolved. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these 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 explanation
Consumer complaint received 2020-11-09
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I originally fell behind on my mortgage due to an illness that I had been hospitalized for twice. Then Hurricane Harvey happens which made it even worse. Flagstar Banks departments ( collections, loss mitigation, bankruptcy, and customer service ) are not communicating all of the payments that Ive made. I was originally in a bankruptcy that was denied in XXXX. I had been making payments of over {$5600.00} a month since XXXX of this year to the trustee XXXX XXXX XXXX XXXX. It was stated that the payments were made to the mortgage company ( Flagstar Bank ). We requested a hardship through them when COVID started that they stated that we could not do it because it wasnt an FHA loan, which of course it is. They told me that I had to go through loss mitigation to resolve the issue before they could grant a forbearance. I sent paperwork AND regular mortgage payments to them in the process since XXXX. They refused XXXX and XXXX they claim due to the loss mitigation process. Then, today, I was told that I was denied because I had already filed loss mitigation in the past twenty four months and that I had 14 days to appeal it. I would have never known this if I had not been reaching out to them almost everyday to follow up regarding the application. Apparently Im in active foreclosure status. The payments that I made was not applied to the account properly. Theyre claiming that the payments that I made were applied to other fees which were not posted. Of course I wasnt privy to these hidden fees theyre claiming. Im beginning to feel as though they are purposely doing this to take my home. I need help with getting this situation taken care of. I truly believe theyre not willing to help me remedy this situation so that they could take my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
This is a complaint that has already been taken care of. 

My husband and I both recently put a hold on our credit freeze so that we could get a new credit card. He called TransUnion on the phone to do this. He never once authorized a new service or gave them our current credit card information. YET, we just discovered ( while reviewing our current credit card charges ) that they charged our current card {$24.00}. Again, we never even gave them our card number. 

We were able to call them back, and after 45 minutes on hold, he was instructed to call a different number. After another long hold, a representative did finally cancel the charges ( although I haven't yet seen that materialize on our current card ), after stating that this {$24.00} was for credit monitoring. Again, he NEVER authorized any such services by them. 

When searching the internet, it seems like this is a common complaint coming up. I really think that government oversight should look into this, as they are charging unsuspecting customers who might have never even given them a credit card number. Did they use our information from our credit report? If we hadn't been vigilant in going over our charges, then they would have gotten away with this. 

Link to a website with numerous similar complaints : XXXX XXXX XXXX  Please look into this. 
Best, 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 2020-04-27
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I notified I C systems asking them to validate this debt and provide documents thew meet the legal requirement. I contacted both IC systems and all three credit reporting agencies to have this issue rectified but to no avail. I'm asking the agency to help me with this matter. 

I would greatly appreciate the assistance. 

Sincerely 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