BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX my paycheck was supposed to be deposited to my checking acccount by my employer but it was not due to an error on their part. I discovered my account was overdrawn on XX/XX/XXXX. I called my employer and they admitted to their error and promised to deposit the check to my savings acct on XX/XX/XXXX.My employer will not work with me concerning the overdraft fees. I called my local TD bank and told them my employer caused the overdraft of {$420.00}. The TD bank rep said it was my fault and would not work with me in reducing these fees. I am a single mom working for a temporary agency after losing my job in XX/XX/XXXX. Recently, I was out of work for over a month recovering from a XXXX XXXX and XXXX XXXX. I did not get paid for this time off. I am back to work now and struggling to catch up. This error caused me a very big setback and will not be able to pay back this {$420.00} in a short time. I would like to have the fees waived or reduced to half amount. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-16
Company: REVERSE MORTGAGE INVESTMENT TR
State: WA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
The Reverse Mortgage Servicing department decided to advance my line off credit with out my permission or knowledge. The result is that the amount I will owe and pay interest on has been increase. Currently, I only know of one unauthorized cash advance, which has been added to the payoff amount. The I obtained the reverse mortgage, I needed around {$200000.00}. I told the company several times that my finances are stable. I want to be able to pay off the mortgage in the next year. But they have added draws from the line of credit that has increased the loan balance. I unsure how many times they have added draws, which I did not ask for. The latest draw they processed was for {$460.00}, which I did not request and have not received any payment for. I believe that they are trying to falsify the true balance of the mortgage by adding in draws that I neither requested or authorized. I believe my original loan balance has been increased by their unauthorized activity. Adding a draw, which is added at 4.175 % interest to the balance I owe seems illegal. I have never wanted to use the line of credit. The fixed amount of the original reverse mortgage amount was all I wanted. I informed the company, based in XXXX Mi, that I would never want to exercise my option to take draws. Nevertheless, the company appears to have taken draws from my account, illegally. The fate of the {$460.00} draw is a mystery. I have received NO payment from them in the amount of the draw. I believe that their actions are fraudulent. 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 2021-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 balance transfer

Complaint:
On XX/XX/2021 EDD posted {$4100.00} to my account in the form of 4 {$1000.00} deposits. My balanced was transfered out by BofA without my consent. I immediately notified them of the error but they said they couldn't help me. For me to contact claims. Consequently I fallowed all procedures to have my money returned however the bank claims that i only submitted 2 transactions instead of the four. They granted the 2 claims but when i inquired about the other 2 they said i needed to submit them separately even though they occurred ant the same time. Now they said that the last 2 were denied. They accepted liability for 2 out of the 4 transactions now i had to appeal their decision. Clearly they made an error by not submitting all 4 transactions.

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 2018-06-16
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to turn you in to immigration or deport you

Complaint:
I received a notice from one main financial asking me to go to a police station and have a paper signed in front of the police officer. I am XXXX, are they suggesting that I do not have a XXXX XXXX or XXXX  because other companies just remove the hard inquiry. I have not seen such resistance from a company that has violated my rights. Has no proof that I requested any type of services with that company. Has not been able to prove that I was at a branch location as listed on my XXXX and XXXX credit report. Are now stating through this letter that they have multiple lending partners and maybe I HAVE issues now with My MEMORY!!!!! WOW. This is harassment. I feel violated, This has cause a XXXX XXXX, With my medical condition and the external factor being presented with this letter. One main financial needs to either remove the hard inquiry of my credit report, or explain why there are not able to do so.I do not need to go to a police station or send in a statement after they have not been able to prove that the hard inquiry belongs to me. This is a deceptive Business Practice. How many consumers are being affected by companies that will not admit to their mistake. Please Assist Me. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have two bank cards with XXXX XXXX never reported. In XXXX they reported one of my accounts late and both accounts are covered by Insurance to make payments due to loss of job. One of the claims slipped through the cracks on email and was reported late when sent together I have been around AND around telling bank its late on CR they say I can't get removed from credit report! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
How is it legal for Citizens bank to process transactions after business hours but post them as if they were processed before the end of the day. I check my balance before XXXX and I'm fine but when I wake up it's negative. I don't see how it should be legal for them to keep doing this if they process things after business hours it should go on the next day so if there's an issue you have a chance to correct it. It feels like theft the way they do it now. They don't recognize the dates on checks anymore which is a whole nother issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26
Company: Resurgent Capital Services L.P.
State: WA
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 XXXX is misreporting a balance on a charged off account that was sold to a collection agency named LVNV funding. The charged off account is also reporting on my wife 's reports and she was only an authorized user and never responsible for the account. The collection was subsequently paid and LVNV agreed to remove the collection fully from my reports but hasn't yet. I have included a screenshot of the accounts from a joint credit report of mine and my wife 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: EQUIFAX, 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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. Until today, over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: VIRTUOSO SOURCING GROUP, LLC.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a no contract service plan from XXXX  in XX/XX/XXXX. I cancelled service inXX/XX/XXXX and followed the steps outlined by XXXX  to return their equipment ( cable box ). I had XXXX XXXX   on XX/XX/XXXX. Throughout XX/XX/XXXX they ( either XXXX  or the debt collection agency they hired - I don't remember ) continued to call me almost daily before XXXX XXXX. They did not leave a voicemail. I was not capable of handling this at that time because I was in recovery. That's why I took care of all my business before the XXXX. In XX/XX/XXXX I finally called the number back that had been calling repeatedly and was told that they are attempting to collect a debt for the equipment. I let them know that I had already sent it in and provided proof ( shipping information ). I also called XXXX to verify this information and to make sure this was settled.

I did not hear from them again until XX/XX/XXXX of this year ( XX/XX/XXXX). They ( collection agency - I'm assuming Virtuoso but I'm not sure ) called several days in a row but did not answer when I picked up or leave a message if I let it go to voicemail, so when I had time I called the number back. They told me they were trying to collect a debt for equipment for XXXX. I informed them that I had never owed that debt and that it had been taken care of with a collection agency and with XXXX. They told me to file an appeal on their website, which I did right away. I don't remember the website. The calls stopped at that time.

Now ( XX/XX/XXXX ) I am getting daily calls from XXXX. I answer, the line is blank. I call back immediately and it says the line will be connected to an agent. It rings then puts hold music on, then says that I've reached them outside of their business hours ( I just called at XXXX XXXX CST on a Thursday ) then says stay on the line to use their automated system to pay the debt, then hangs up on me. Before that it gives a website to pay the debt that they're trying to collect ( XXXX ). The options there are to log in, create an account, or " XXXX XXXX. '' I am not going to set up an account and give them more of my personal information - I can't even reach a person to find out who it is, why they're calling, or if they even have the right person. Since XXXX is the only company that would be feasibly trying to collect a debt from me, I am assuming that they hired Virtuoso to collect this debt that they keep claiming I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have called the corporate number as well as the regular customer service number on numerous occasions from XX/XX/XXXX up until now XX/XX/XXXX as the reporting to the credit bureaus are incorrect. 

The company has over 20 late payments on my account reporting showing me late when the have 1 ) applied all of payment of {$350.00} towards INTEREST ONLY 2 ) add a non-requested extension on the account without authorization showing no payment.

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 2020-09-23
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have two bank cards with XXXX XXXX never reported. In XXXX they reported one of my accounts late and both accounts are covered by Insurance to make payments due to loss of job. One of the claims slipped through the cracks on email and was reported late when sent together I have been around AND around telling bank its late on CR they say I can't get removed from credit report! Please help!

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 2020-09-23
Company: KEYCORP
State: WV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Fraudulent use of Debit Card ( Master Card ) issued by KeyCorp XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX ), that was used for deposit of state unemployment ( West Virginia ) funds. Fraud cash transfers of {$500.00} on XX/XX/2020, {$500.00} on XX/XX/2020, and fraudulent use of card to pay a wireless telephone charge of {$64.00} on XX/XX/2020. 
I advised the issuing bank ( Key Corp ) of the fraud on XXXX They canceled the card on that date and issued a replacement. I reported the fraudulent charges to Key Corp 's Fraud/Security department on XX/XX/2020. Key Corp 's Fraud/Security department said it could not stop the fraudulent payment of {$64.00} for the wireless telephone payment being made since the funds had not yet been paid ( scheduled for XX/XX/2020 ) but had been scheduled/deducted from my debit card already. Key Corp 's security department said they would investigate, but no case number was assigned nor has any resolution to the problem been achieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I XXXX XXXX have requested on three different occasions to obtain a free annual credit report to Experian and XXXX. I have received my XXXX XXXX report, but I don't know the reasons why the other bureaus are being held up. Please help as I really want my free annual credit report from each bureau. Thank you.

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 2018-02-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There is a XXXX XXXX credit inquiry on my credit report with equifax that I have ask the company to remove several times as it is fraud. This company also drops my credit score for no reason everytime I complain about the issue. I am debating getting an attorney at this point as I myself am XXXX and having a hard time finding a new place to live do to this companies fraudulent and false reporting. I always pay the cards that I do have on time never missed a payment but this company continues to lower my credit score for no reason everytime I submitted a complaint. I would suggest the FBI look into this company because there is clear prejudice going on and they are creating hardship for me who is XXXX and well as my XXXX son. Please command this company to raise my score and remove this credit inquiry that should not be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: CITIBANK, N.A.
State: OH
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:
Citi bank charged my card for items that I didnt order. I talked to them many times with no response or resolve. When they reported my account to credit report as delinquent, I finally paid it so my credit report, which was over XXXX at the time, would stop falling. If you check my report you can see that I had an excellent score. Any help would be appreciated.

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 2021-06-08
Company: Grain Technology, Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have sent numerous emails to their customer support email I get five or six emails saying that I need to send a email that is linked to my account even though the account email that I was sending them was from my account email that is on file with my account I had then send a screenshot to whoever I was speaking to he then apologized but that is not my problem they are telling me that I need to submit evidence for this that and the third to update my banking information I have already explain to them that this account that is linked to this account is in the process of being closed and has been compromised and that its overdrawn by over {$1000.00} I have explain this repeatedly not only that I have also told them the new bank account information that I am giving them still has the employer and direct deposit payments when I originally set up this account from the same employer they are denying me to be able to make my payment on time they are denying me to update my bank information to be able to pay this debt off and not only that they are going to hit me with a bunch of late fees and other fees that are associated with late payments even though that I have been trying to deal with this for the last three weeks and give me a negative report on my credit bureau even though that this couldve easily been straightened out if their customer service department would have gave me the option to update my new checking information or take another form of payment I am frustrated at this point and I am literally sick of this company at this point I am asking you to step in to figure out what is going on with this company to hopefully fix it and to Where is somebody else wont have to deal with the frustration like I have a judging by some of the reviews on the XXXX XXXX I can tell that I am not the only person that is dealing with this issue from this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
please remove my fraud alert and consumer statement.

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 2021-07-11
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: SC
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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. Please delete the items on the attached letter from 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 2020-05-11
Company: LEXISNEXIS
State: IL
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 requested validation and verification of a bankruptcy with LexisNexis, that has been reporting to the XXXX and XXXX  credit bureaus. After 30 days I received a response from Lexis Nexis stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. Lexis Nexis violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse via mail to verify if Lexis Nexis verified with them. I received a letter from the court clerk stating THEY DO NOT give any information to any of the credit reporting agencies including Lexis Nexis. I do not know how Lexis Nexis received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.

Company response to consumer: Closed with explanation