BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On or about XX/XX/2020. I opened an account with TD Bank. The account that was opened was a regular savings. I notice that I was getting charged {$15.00} a month for maintenance fee. The account, which I did not know, was a TD Beyond Savings account which required a monthly balance of {$250000.00} and what I had initially signed up for was the TD Simple Savings. On or about XX/XX/2020, I opened a checking account with a deposit of {$100.00}. I was given the account number and was waiting on a debit card so that I can transfer what was in the saving account and close it out. The next day the account was deleted. I called to find out what happened and they informed me that I had two accounts that were closed with a balance and that I should not have been able to open the savings. I asked for records of said accounts which I still do not have and they took my {$100.00}. I went into the bank today to ask for records and I was told that they could not give them to me. So I closed the account and they keep my {$100.00}. While in the bank today, they told me that there are three closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: AAA Auto Title Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
I have been a customer at Cash 1 for many years. I have paid off loans with them, paid numerous payments on time. When I ask why my credit line never gets extended to a higher limit they alway tell me me its computer based and never had a satisfying explanation. This is what has happen my mom has a XXXX  XXXX  XXXX. She owes XXXX on her car, she pays her payments every month as I do. In fact mind comes directly from my employer. And its always double the minimum payment. My car is worth more than my mom 's but they seem to always increase her line of credit and not mine. To me this makes no sense. In fact I earn about XXXX to a XXXX dollars more than she does as well. Im looking for answers in there lending practices. It clearly unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/2020 I had sent a letter to XXXX XXXX in regards to an account that was on my consumer file under my name. In this letter I was requesting that XXXX XXXX provide me with the alleged physical verification of the original signed contract between myself and their company. I received a response stating that my letter was unclear, and they did not know what I was asking for ( copies of all correspondences will be included in this complaint ). I then sent XXXX XXXX a letter on XX/XX/2020 reiterating that I was requesting proof of an alleged account being reported to the Credit Bureaus in my name. XXXX XXXX had then responded to that letter stating that they have no way of validating the account as the application process was done online or over the phone. I have never applied for or obtained anything from this company, not in person, over the phone, online, not by fax, postal mail, NOTHING. 

On XX/XX/2020, XX/XX/2020 AND on XX/XX/2020, I wrote to TransUnion, XXXX and XXXX as they have continued to verify this account as accurate. My question would be, how is are these bureaus verifying an account in my name, when the company has already sent me a letter stating that they are unable to verify this account. 

TransUnion, XXXX, and XXXX continue to keep this inaccurate negative information on my credit report after being informed multiple times, WITH PROOF that this account needs to be removed.

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 2023-01-26
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2023 I sent letters to XXXX ( tracking number # XXXX ), XXXX ( tracking number # XXXX ) and Equifax ( tracking number # XXXX ) directing them to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 : I have the right to privacy, and according to 15 USC 6802 : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information.

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 disputed multiple items with XXXX  & TransUnion and they always send me back an auto generated response that the infomration is accurate even though I have submitted letter from the company stating the correct informtion that needs to be reported. I disputed a XXXX & XXXX credit card account has being legally paid for in full with a letter from both companies, but they send me back a auto generated response with the same infromation and no changes. This makes me see how a company like XXXX got breached and compromised millions of people private information. They can barely handle a simply dispute. Same with TransUnion. These 2 reposrting services need to coordinate correctly with XXXX  and XXXX and report accurate information The two account are LEGALLY PAUD 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 2020-09-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My wife and I applied for a refinance through Fifth Third Bank and during the time we were told an estimated close time would be between 30 and 45 days. We went through 3 different loan officers in a period of 71 days. My wife asked to speak to a manager, who talked to her like she was bothering him and annoyed by her call. We decided to take our loan to another lender, and in less than 14 days we were able to close with another lender with the rate we wanted. 

My wife is XXXX and due in mid XXXX, so Fifth Third ( 5/3 ) was aware and told of the urgency, but still after 71 days had done nothing. The process had not moved along and they were lost when she called. No appraisal had been done because our home was only a year old. We were told we would be refunded our {$390.00} on more than one occasion, only to have a call by a " manager '' who said it was not refundable. We posted on their social media about how we felt it was  not warranted, considering they had done nothing for over 2 months. I was called by someone in their social media complaint department that " investigated '' our claim, only to say the money would not be refunded. The reason was because it was an application fee. Under TILA, it was my understanding that all monies, minus the appraisal, and possibly the credit report is refundable under the " Right to Rescind '' on a refinance. The bank did not do what they told us and underperformed their duties and obligation to us and we went to another institution that was able to get it done before losing our rate. I fail to understand the incentive for an institution to do their job if they  don't care if you go somewhere else only so they can keep your money. 

I told them that it will not go silently and I would report it, the bank pretty much let me know they were sorry and still stood their ground. It just seem unfair that a financial institution can take as long as they want, despite their being urgency to lock in a rate and not care, keeping an applicants money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I bought furniture from XXXX XXXX, in XXXX XXXX, Florida. The promotion was for " two years financing, interest free ''. However, that didn't prove to be the case. 

I've been paying off the purchase for several months. In XX/XX/2020 I made my monthly payment, which left a balance of {$980.00}. The next month, in XX/XX/2020, my statement came and showed a higher monthly payment ( which I paid ) and a much higher remaining balance, {$2200.00}. I also called XXXX XXXX to ask why the payment and balance increased. They said it was an accounting error and that it would be fixed in the next billing cycle. 

In XX/XX/2020 the next statement arrived and showed an even higher remaining balance, {$2200.00}. Once again I called XXXX XXXX and once again I was told it was an accounting error but perhaps the finance team did have time to resolve it before the XXXX bill went out. 

In XX/XX/2020 the next statement arrived and showed a still higher balance, {$2300.00}. Once again I called XXXX XXXX and had a long conversation with the customer service agent, but they were not able to explain why the balance continued to increase. I offered to make a payment on the {$980.00} balance from the XXXX statement, plus any interest that may have accumulated since XXXX. The XXXX XXXX customer service agent said that would be a good idea but the finance team would " open a case to further investigate the account ''. XXXX XXXX received that {$980.00} payment on XX/XX/XXXX. 

Earlier today the XX/XX/2020 statement arrived, which credited the {$980.00} payment but still left a balance of {$1300.00}. 

To this day, despite me asking them multiple times, I have never received a text, email, or paper mail from XXXX XXXX, explaining why the account balance jumped from {$980.00} to {$2200.00}. 

I would like the CFPB to investigate this seemingly deceptive credit practice and help mediate a credit situation that XXXX XXXX is apparently unable or unwilling to resolve. 

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 monetary relief
Consumer complaint received 2021-05-21
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I will not be violated any longer and will seek legal action and monetary compensation for the adverse actions taken against me if these accounts are REMOVED IMMEDIATELY.

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 2020-07-13
Company: Conn's, Inc.
State: LA
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:
SO I OVERPAID ON A PAYOFF WITH CONNS APPLIANCES AND I HAD NO CLUE UNTIL THEY REPORTED MY ACCOUNT LATE AND DELINQUENT, SO I FILED A DISPUTE AND ITS WAS DONE FIXED AD CLOSED, THEN 2 MONTHS LATER THEY REPORTED ME DELINQUENT AGAIN, I HAVE LOST A TOTAL OF 107 POINTS TOTAL SINCE THIS HAS FIRST STARTED AND THEY ARE NOT GIVING ME ANY UPDATE. I REALLY NEED HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: STATE FARM BANK, FSB
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
State Farm Bank.

So, I deposited a check in State Farm Bank for {$5000.00} on XX/XX/2020. 
Then, they put my account on hold for a while, and around XX/XX/2020. 
On XX/XX/2020 When I tried to use the account, my Debit Card was already blocked. So I could only use the account for 6 days, around XX/XX/2020. They Closed the account. Finally, they Officially closed the account on XX/XX/2020. I have never received any written statement letter. No account balance, withdraws/deposits were ever mentioned. Only 1 check came back for XXXX $ which they are denying to post electronically into my account. I have visited their Agent Office twice for Identification Purposes. THey want me to withdraw the check even though being aware that my License was recently stolen and due to COVID-19. the banks have been working slow. Please respond to me ASAP. Last time I spoke to a customer representative, they clearly said. Do whatever you want, we would not deposit any money. Cash the check only.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
ISSUE= I filed a dispute to contest payment due to the following XXXX XXXX Dispute # XXXX. PH # XXXX dated XX/XX/2020. 
RECAP =I purchased tickets to the XXXX XXXX , the event was cancelled, not postponed or delayed, it was CANCELLED. I have emailed XXXX multiple times to secure a full refund and they will not issue my refund. 
1. See attached email beginning XX/XX/2020 contacting XXXX  with their response 4 times, over a month time frame. Still they have not processed my credit. 
2. See attached confirmation from the XXXX XXXX confirming the event was CANCELLED and they have refunded all monies due for this event. 
3. See attached XXXX  terms & conditions as If a customer purchased tickets to an event that is canceled by the event organizer with no rescheduled date, they may receive a full refund or store credit. XXXX XXXX will provide customers with the option of receiving XXXX XXXX store credit at 120 % of the original order total, instead of a full refund. 
4. See attached article from XXXX XXXX XX/XX/2020 confirming XXXX  stating they are refunding money owed to patrons. 

UPDATED XX/XX/2020 attached email from XXXX   confirming the credit card accepted a credit on my behave, I do not want a credit, I want a full refund per their terms and conditions. Barclays is supposed to protect me from merchants who do not follow thru with the written terms and conditions.

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 2019-08-21
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MERCHANTS AND PROFES Last reported XX/XX/XXXX {$340.00} and XXXX $ XXXX XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 1 yrs, 1 mos ) RemarksConsumer disputes this account information Medical Original creditor nameXXXX XXXX XXXX XXXX XXXX Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Did not give auth for medical bills to be released to 3rd party do not know who this is have not been to the hospital in XX/XX/XXXX. Violates my HIPAA information. Do not want my medical history sent out to 3rd party people. I have no Idea whos account this. It is not my account I have requested it to be removed from my credit file several occasions and still has not. 
I DO NOT OWE THIS I HAVE REQUESTED FOR IT TO BE REMOVED! 
It is 2 different amounts for same day of service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Former : XXXX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have applied multiple with Capital One, online, and with an agent over the phone. While on the phone with the agent, he said this is strange your application gets denied without a credit pull. I notice the same issue when I apply online. I never see hard of soft pulls on my credit reports. Furthermore, My Walmart Card which was managed by XXXX until XX/XX/2019, and becoming Capital One account. This account always gets turned down for increases. I called for the second time today to get the Capital One version of the Walmart Card. The agent on the phone today said I was never issued a new card. I informed him that I have requested one before and never got one. I know it is illegal for Capitol One to blacklist people but I feel that this is what they are doing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A fraudulent account was opened using my identity for the company XXXX XXXX. It was opened in the North Carolina XXXX energy on XX/XX/2021. Not only do I not have a XXXX XXXX account, I've lived in Florida for 20 years. I have no knowledge of this fraudulent account and it was sent to collections on XX/XX/2021. It does not belong to me and needs to be removed from my credit report immediately. Please see my drivers license attached as proof that I live in Florida and have for many years, not in North Carolina ever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: FC HoldCo LLC
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: Account information incorrect

Complaint:
Payoff/settlement agreed via letter dated XX/XX/19 - amount agreed {$14000.00} by XX/XX/19 to satisfy loan in full. Amount sent overnight and signed for received in accordance to offer - check cashed. Title never released. Eight months later after repeated requests for communication and explanation, still no title and loan balance on recent statement shows loan is still open. 
Loan has not been reported as satisfied to all credit reporting agencies as of this date even though the loan was paid in full in accordance to payoff agreement XX/XX/19. 
Still no communication or explanation from Flagship Credit Acceptance in XXXX XXXX PA after repeated written and verbal requests. 
My rights under FCRA have been violated and I believe fraud is involved. I need this resolved ASAP.

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 2017-07-21
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
A request was sent to Nationstar XXXX 2015 for a partial release for my account ending in XXXX, which included a {$250.00} refundable partial release request fee. There was additional documents requested by Nationstar for me to submit which was not submitted in a timely fashion. However, at no point in time did Nationstar provide a denial letter for the partial release request nor did they send us the {$250.00} cashiers check submitted with the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
TD Bank will not refund fees that are related to checking account pulls from XXXX that were unauthorized. I called into TD Bank to let them know that these transactions are not my doing, yet they are willing to let my account be overdrawn - {$310.00} because of these fees. 

I have incurred overdraft fees due to unauthorized XXXX transactions on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, yet TD Bank did not stop XXXX at any time from withdrawing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
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 was given extension or payment relief by XXXX for two months XXXX and XX/XX/XXXX and those payments were adjusted at the end of plan XXXX and XX/XX/XXXX beside relief nissan motor acceptance charged me one month XX/XX/XXXX gave me one month relief and taking two payments at the end of the plan over to this they reported me late payment in the months they gave me relief according to my records they took two payments in XX/XX/XXXX month one on XX/XX/XXXX and second payment on XX/XX/XXXX I reported 6 to 7 times on phone and XXXX not agree to resolve it and credit beauros they also taking XXXX side I am helpless my credit score goes down I started bussiness and need financial help for bussiness but nobody gave me loan for starting bussiness because of my score and it result in hard inquiries over my score I am financially broke and in critical situation I have family these guys playing with me like it doesnt matter for them but it matters for me because I have XXXX sons XXXX wife family to look after but they playing with me continuously now I am filling complain against these two nissan motor acceptance and XXXX XXXX and XXXX I am attaching reports and documents with complain I need it to get resolve as soon as possible now I am going to file suit against XXXX i have call records when i filed the dispute and many times called them

Company response to consumer: Closed with explanation