BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I do almost all my shopping online these stores debit the amount for what you order immediately sometimes what you order is not available and sometimes what you order comes damaged therefore for both of these situations the stores issue a refund for the items I was charged for that they did not have or for items I get shipped to me that are damaged or sometimes not there in my order at all I have my checking acct with TD bank but for the last 2 to 3 months everytime I have what should be a refund TD bank always debits it from my acct when first of all I already paid for it once and now Im being charged or debited a 2 nd time for what is supposed to be a refund. I have to call TD bank everytime for them to correct it. Why is this happening and its not just with one or 2 places or stores.. its with every store I order from therefore the problem is TD bank its not numerous stores.. its TD bank and I also wonder how much money TD bank has done this to me with, that I did not notice. This is very concerning. I have called about this issue numerous times hoping it will be the last time but then within a few days to a week at most, it happens again and again and., Today was the last straw. I need to know why and that it wont happen anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: WELLS FARGO & COMPANY
State: KY
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:
On XX/XX/2021 Wells Fargo Bank NA Opened a charge account in my name without authorization. I did not realize this happened until I saw the negative impact on my credit score from additional inquiries. After some investigation, I called Wells Fargo on XX/XX/2021 to file a dispute with this, and requested they remove the inquiry from my credit score and immediately close the account. They stated that they would reach out to me the next day, as the department that handles that sort of thing had already left for the evening. 

I did not receive a return phone call from Wells Fargo, however the fraudulent account was closed on XX/XX/XXXX ( The next day ). 

The additional inquiry is still on my credit report, causing lasting damage to by financial status.

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 2023-02-23
Company: Experian Information Solutions Inc.
State: CT
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that 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 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 explanation
Consumer complaint received 2020-03-06
Company: EQUIFAX, INC.
State: GA
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:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 
XXXX/XXXX  ( This is not my account, please remove ) {$1100.00} XXXX  XXXX ( This is not my account, please remove ) {$2700.00} WEBBANK/FINGERHUT {$0.00} ( In collections ) XXXX XXXX  XXXX {$49.00} XXXX XXXX XXXX {$980.00} There are no contracts, no valid claims ... accounts were settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX/XXXX  Last reported XX/XX/2019 {$0.00} Reported balance Credit limit {$330.00} I have sent letter after letter to all 3 credit companies asking that this account be deleted off my credit report it has been paid in full

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 2019-05-08
Company: Perfection Collection
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX from Perfection Collection LLC called a family member on XX/XX/2019 and notified him of a supposed debt I owe. After talking on the phone to him, an email was then sent to him stating that I owe different amounts on the debt and can settle the account. I called the collection company and spoke to XXXX. I asked for proof of the alleged debt and to stop contacting my family. She stated that she would when the debt is paid. I then requested that further contact be made in writing to myself only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
To whom it may concern, I had a late payment at Kohls in XX/XX/2017, they took away the late fee but I have called several times and they give me the run around and say they cant change it! It is my only late payment and the reason was because I moved and changed jobs. So I never got the bill or the email. I am a very responsible person and the bill was like XXXX When they finally reached me by phone it was to late. I am very frustrated and will not shop at kohls anymore. There must be something I can do. I was also given a credit bureau address from the corporate office at Kohls I wrote them but not sure what information I should have sent but it has been a couple months with no change on my credit report. Please help me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
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: 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 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 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 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 2020-03-06
Company: Monterey Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Monterey financial is claiming I owe a debt to XXXX XXXX. I never received original communication from this company and was not notified I had thirty days to dispute as they are claiming I did. I received a response back from them after I requested debt validation and was told I had thirty days to dispute but again I never received the original notice. I sent a certified letter on XX/XX/2020 and at this time I received some documents. I requested verification a few months ago also. My main complaint is not receiving the original documentation within thirty days to dispute the debt. The company and this collection agency have the same address and work hand and hand so this is bogus and I want it removed from my credit! The original amount of debt they claim was owed is XXXX but the amount now owed is XXXX. The document that was sent does not have my signature. 

Monterey collections XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports provided by Experian. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report :

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 2023-10-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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.

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 2023-08-23
Company: Experian Information Solutions Inc.
State: GA
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've been disputing 3 late payment accounts on my Experian credit report for more than 6 months. They would not remove the late payments.

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 2023-02-17
Company: Experian Information Solutions Inc.
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: 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. 

Account name : XXXX # XXXX, Account name : TOP LINE # 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 2023-06-07
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
The company 's response did not address the issue of incorrect credit reporting. I have taken the liberty of submitting all of my statements and there was a payment made in XX/XX/2023 that cleared for {$290.00}, yet there was a past due balance that rolled over to XX/XX/2023 erroneously. XXXX payments were made in XXXX for XXXX and XX/XX/2023. There was a payment made for XX/XX/2023 in XXXX on XX/XX/2023. The date the statement closed, but it was not included on my statement despite the statement saying it included XX/XX/XXXX, XXXX XXXX, XXXX  transactions. In fact, there is a history of Arvest stating the statement period consists of time between XXXX dates, yet they do not include various transactions during this time period. This is an important and erroneous credit reporting practice that likely impacts multiple consumers and has adversely impacted me. 

As a onXXXX time courtesy to me, they need to honor their agent 's statement and address the issue of statement closing dates and transaction posting. The issue is not due dates, the issue is arbitrary transaction posting and statement closing dates.

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 2020-03-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a mobile home mortgage with XXXX XXXX for nearly 10 years. I was never late with a payment and always sent more than the minimum due. My principal and interest were nearly the same as you can see from these past few statements enclosed. XXXX of 2020 I made my last payment to XXXX XXXX  as they transferred my account to Select Portfolio Services ( SPS ). I made my first payment early to SPS in XXXX which they received XX/XX/XXXX being 7 days early of the due date. Upon receiving my first actual statement from SPS showing my first payment to them, I was mortified to find they put 80 % of my payment toward the interest, 17 % toward the principal and .26 % for fees and other charges. These last 2 resulted in a 27 day billing cycle from my XXXX payment  to XXXX XXXX  and the XXXX payment received by SPS. I immediately called SPS and questioned this, and several people at SPS kept telling me these figures were correct. Also, no one can tell me what the fees and charges are for or for how many days they used in the billing cycle to calculate these interest charges. Finally, after requesting several times, I was able to talk to management, and they had me send in my statements from XXXX XXXX  and SPS, and it is now under review. My regular payment is XXXX, and I have been sending XXXX XXXX  {$700.00} for many months. I am including some of my last payment statements from XXXX XXXX  and my current statement from SPS. I just made another {$700.00} payment so as not to be late. On my current statement from SPS, the figures I wrote in by the principal and interest is what I believe these figures should be, or at least very close. There is a lot of recordings of my calls to SPS, or so I opted for when making these calls.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXXXXXX XXXX DATE OPENED BALANCE {$2500.00} XX/XX/XXXX DISPUTED WITH CREDIT BUREAUS, XXXXXXXX XXXX DATE OPENED XX/XX/XXXX bALANCE {$4400.00}, XXXX DATE OPENED XX/XX/XXXX CREDIT LIMIT {$400.00}

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 2023-06-07
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Prestige Financial services is reporting a late payment for XX/XX/XXXX to ALL major credit bureaus. I am requesting a letter from Prestige Financial services stating there wasnt a late payment made XX/XX/XXXX. Prestige is reporting a repossession for the vehicle that was paid off on XX/XX/XXXX. I need a letter stating the account was not late in XX/XX/XXXX and the car was not repossessed. 

I have called Prestige and was told someone would call me back and I have yet to receive a call back. 

THIS IS NOT A DUPLICATE REQUEST. THE COMPANY IS REFUSING TO RESOLVE THIS PROBLEM AND IT IS VERY SAD THAT A COMPANY CAN DO THIS TO A CONSUMER WITHOUT ACCOUNTABILITY.

Company response to consumer: Closed with explanation