BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-29
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Today ( XX/XX/2019 ), tried to withdraw XXXX XXXX from the ATM at TD Bank ( XXXX, NJ ) at XXXX. The ATM broke down while dispensing the cash. When contacted TD Bank, the representative said that TD bank was not responsible and keeps no record of transactions that happen at the ATM because they are only a middleman. If anything, the withdrawer would have to have the card issuer ( in this case, XXXX XXXX XXXX ), file a complaint against TD Bank. However, from XXXX XXXX XXXX XXXX perspective, the cash has already been withdrawn. The two banks are blaming each other and in the meanwhile, this sum of money has evaporated. I believe TD Bank owes me this sum and should be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXXXXXX XXXX has reported delays in the Equifax credit agency since XXXX and is incorrect and accepted the error and does not correct it. My score has been damaged and I had a medical emergency and I was denied loan because of that error in my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I opened a Truist account with a {$500.00} bonus offer attached to it, and opted for electronic statements. On XX/XX/XXXX, I received an email saying the bonus would not be honored, without any specific explanation. At this time, I attempted to log into my account, at which point the online interface told me that my User ID was not recognized, which continued to occur when I tried again later in the week. Customer support wait times were in the 2-3 hour range and it was not possible for me to operate on this schedule. 

Given that I was told the offer wasn't honored and my account was no longer usable online, it seemed clear to me that my account was closed. However, on XX/XX/XXXX, I received a paper statement in the mail ( despite having opted for electronic statements ) indicating that I was charged both a paper statement fee and an account maintenance fee, totaling a charge of {$14.00}. This is unacceptable, particularly given my lack of access to the account because of Truist 's actions and the lack of availability of its customer service.

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 2020-12-01
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 sent Identity Theft Affidavits and Police reports on XX/XX/2020. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

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 2023-05-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXXXXXX Balance : {$7600.00}.

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 2021-04-10
Company: Santander Consumer USA Holdings Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I applied for financing on vehicle and to trade in my current vehicle. When the dealership pulled my credit report, they found a repossession on my current vehicle perventing me from getting new transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Waterfall Revenue Group
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: Problem with personal statement of dispute

Complaint:
This is my 6th request for XXXX  to simply provide the documents proofing this debt is mines with A-1 collection aka Waterfall Revenge Group. XXXX  is the only credit bureaus that's keeping this debt onto my credit report .. this isn't my debt nor will you provide that it is. I have a complaint with Waterfall revenge aka A-1 collection and it has been more that 60 days and still haven't respond back with any kind of proof yet XXXX  is the only credit bureau keeping this on my file. I humbly ask that XXXX respond back with the documentation to proof this debt to be mines ... Even on XXXX the debt has no collection agency name on it ... I have also called the company that Waterfall Revenge Group is saying I owe the money to and they have no record of such debt. 

I have attached all documentation. Showing that only you XXXX  is keeping the debt on my credit report and always how it's not being reported correctly. 

I wouldn't want to take any legal actions. But, if XXXX  doesn't provide documentation that is debt is mines I will do so. 

There are 3 accounts {$50.00}, {$410.00} and {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I made six separate transactions on XX/XX/18 of {$20.00}, {$100.00}, {$100.00}, {$60.00}, {$20.00}, {$50.00} with the denominations of {$10.00} for all the transactions and received the exact amount withdrawn, nothing less or over. The problem occurred on XX/XX/18 when Bank of America made five unauthorized withdrawals from my account of {$20.00}, {$50.00}, {$60.00}, {$100.00}, {$100.00} ( total of {$330.00} ) stating " Crossload XXXX  's in {$10.00} 's ''. 

When I called customer service and spoke to the Bank of America fraud department, I was told that the ATM that I used loaded {$20.00} bill denominations into the {$10.00} bill slot and they stated that I received the {$20.00} denominations instead of the {$10.00} denominations, which is untrue. 

I filed a claim against Bank of America and the first claim made was for {$270.00} ( out of the {$330.00} total ) and the second claim was for {$60.00} ( out of the {$330.00} ). The second claim ( {$60.00} ) was paid but the first claim ( {$270.00} ) was not paid due to the reasoning they used stated previously. 

In conclusion, I was only able to recover the {$60.00} out of the {$330.00} that was mistakenly taken from me by Bank of America. If the {$60.00} was paid to me, the rest of the money ( {$270.00} ) should be paid to me as well, as they were originally part of the same transaction.

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 2017-12-12
Company: General Motors Financial Company, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX submitted a hard inquiry for Auto Financing. I had recently applied for auto financing on XX/XX/XXXX and was aware of that inquiry. I 'm not sure why it happened but I did n't authorize the inquiry on XX/XX/XXXX and was no where near a dealership to give that authorization. Shows up XXXX report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-05-05
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:
Equifax has put a remark on my credit report for my XXXX credit card and my XXXX XXXX credit card. Having them put this remark has decreased my credit score. I can't even view what the remark is but there should be nothing posted under these accounts. Last month I disputed the balances on these accounts as they were reporting higher than they actually are. Today upon checking on XXXX XXXX my score decreased due to these remarks added. I am submitting this dispute because there shouldn't be any remarks made. I also am unable to get online to view my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
They continue reporting information that does not belong to me such as names and address even after I provide my state drivers licenses. They are also reporting accounts that violate my consumer rights according to 15 USC 1681 B.

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error these 3 accounts are in violation Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payements are transactions and transactions are excluded from a consumer report. 
XXXX XXXX XXXXXXXX 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 2020-11-30
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In late XXXX of this year, I transferred the deed of the house I owned in XXXX,XX/XX/XXXX to my ex-boyfriend, XXXX XXXX. We broke up, he " bought me out ''. The mortgage of this home was held by XXXX XX/XX/XXXX XXXX XXXX of XXXX XXXX, XX/XX/XXXX. That account number was XXXX. 

On XX/XX/2020XX/XX/XXXX issued an escrow refund check made out to BOTH me and my ex. This check was for {$15.00}, XXXX Mr. XXXX intercepted the check as I no longer lived at the address we shared, and managed to keep 100 % of the funds of this check by doing the following : We had a joint checking account with Chase Bank - ending in # XXXX He signed the back of the check also writing " for deposit only ''. He deposited the check remotely, and the following day, when the check posted, he transferred all of the funds to his own personal checking account which is also through Chase. 

I have proof of all of these transactions. 

I called Chase, they said that it is very clear what Mr. XXXX did, that it was dishonest and that I am the rightful owner of half those funds as the check was clearly made out to me as well. He circumvented me by depositing in to the joint account, and then had the ability to do as he wished with the funds. Chaser admitted to me this was a fraudulent maneuver. However, Chase refused to reverse the transaction, allowing me an opportunity to receive my portion. 

I also contacted XXXX. I essentially received the same story from them. Yes, my name was on the mortgage, yes, the check was made to me, no, XXXX should not have been able to do anything with the check without my signature. Their advice - talk to Chase. Chase, as you read above, could not care less. 
Additionally, on the date of closing, I asked the settlement attorney if he wanted my update address, and he told me " No '', that it would not be necessary. 

I also emailed the Fraud Department of XXXX on two separate occasions, but I have not heard back at all. 

Please help. I work as a healthcare provider. I work very hard. I paid this mortgage and I am due what I put in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Mercedes Benz Financial Services
State: NJ
Product: Credit reporting, credit repair services, 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:
Mercedes Benz placed an inquiry on credit file. Credit isn't sufficient enough to apply for such a vehicle. Requesting validation of signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
Formal complaint credit dispute claim was opened with Capital One following an online order from XXXX XXXX. 

In short, XXXX XXXX charged the credit card. The order that was placed online was cancelled by XXXX XXXX due to inventory. XXXX attempted to rebill credit card despite this cancellation and not fulfilling their end of the order. 

A billing dispute was open with Capital One and as part of remediation, the original amount was credited back to card. However, Capital One received a charge authorization in " investigation '' BUT no other support documentation was provided by XXXX XXXX. No documentation involving delivery or processing of the order was uncovered in the dispute. Capital One 's dispute process saw the charge authorization as the only necessary component to side with XXXX XXXX of an online purchase that was cancelled by XXXX and decided to rebill credit card. Since this, we have called Capital One but they claim the burden of proof falls on the consumer now with solely a charge authorization. No sufficient evidence of the vendor 's fulfillment is a direct oversight on the process of disputing claims especially when investigating online order fulfillment. 

The initial purchase was made on XX/XX/XXXX. The dispute in question is for the value of {$61.00}. The complaint was lodged around XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a XXXX XXXX XXXX who utilizes this website called : XXXX. I wanted to pay $ XXXX/month for the use of their services to showcase a website on their system. The credit card company declined my ability to pay for their services on both my Wells Fargo card and my XXXX card. That means that the system profiled my identity online in terms of how I use my credit card in a manner which is in violation of Federal laws concerning illegal profiling.

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 2023-05-30
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX  XXXX ACCT #, XXXX  XXXX ACCT #, XXXX XXXX XXXX XXXX ACCT #, XXXX XXXX XXXX XXXX ACCT #, AND XXXX XXXX ( COLLECTION ) ACCT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I opened a Best Buy Visa Credit Card in XX/XX/2016. Unfortunately, I had been experiencing some kind of hardship recently at work, since I am getting my hours cut. I usually have been responsible on the payments and I tried to reach an agreement with the credit card servicer, and they refused to get me an additional one week extra to make the usual payment. They instead told me I will be charged a late fee in addition to the minimum payment I owed them. Best Buy Visa 's servicer ( Citibank ) had been the worst people to deal with, ever, as this is not the first time I can't reach an agreement with them and their attitude had been the worst as a matter of fact. I am trying to work things out in good faith but they always look for any kind of ways to win and ruin my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation