BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-25
Company: VW Credit
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/2017 I took out a car lease with XXXX XXXX at the time I paid for the first two months, I did inform them that the bills need to be sent to my XXXX XXXX . They failed to send the statements to the address they were told to. So I never knew a payment was due. My first indication of something being amiss is when I got a phone call to inform me of the past due balance. At that point I paid the past due balance and reiterated were the statements need to be mailed to. 
VIN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
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 status incorrect

Complaint:
I've been trying for years now to get these liars to get the lie off my report. XXXX XXXX XXXX  located in Nevada, is the company I'm speaking off. I paid in full and told them to close my account. Instead they just make the account charge-off instead. Please get this off my reports. Or I'll just sue!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: Credit Karma, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX they received there equipment years ago and I have been dealing with this false reporting. Its not fair for them to do people like this. And then after they make your credit bad because they lie. Then they pertain like ok the equipment to old. You got your stuff on time and paid the bill its not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
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 or around XX/XX/XXXX i contacted transunion regarding information that only their bureau has not resolved, you see a XXXX XXXX credit card opened XX/XX/XXXX and initially went delinquent XXXX XXXX ( 7 years ) ago should be deleted from my credit file as XXXX  and XXXX  have done, however they were only reporting XXXX data, all XXXX, XXXX, and XXXX shows no reporting or no data, I sent them a copy of their credit report which i saved showing the delinquency during that time and they came back and said the creditor can not locate that, therefore according to Fair Credit reporting act they should have deleted, but they didn't, on or around XX/XX/XXXX i attempted again and now they are reporting partial dated of payments in XXXX but again not removing the old account when I clearly have provided them their report, I have no recourse but to report them to the FCRA victim that i have become,

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 2018-04-30
Company: PNC Bank N.A.
State: VA
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:
Hello, I have tried repeatedly to get PNC Mortgage to report correctly on both my mine and my husband 's credit reports. We had to file chapterXXXX bankruptcy in XX/XX/XXXX. We put the past due balance in the bankruptcy, but we continued to pay the current mortgage directly to PNC during the 5 years of the bankruptcy. We made consistent, on time payments the whole 5 to date. They reported the account closed during the 5 years. After discharge in XX/XX/XXXX of XX/XX/XXXX they still showed our account closed. I disputed it, because the account was never closed. They said they showed it closed because of the bankruptcy. They corrected that and now it shows the account opened, but they still refuse to show payment history prior to discharge. They made sure to put the past due payments on there prior to filing bankruptcy. This is still effecting our credit negatively on top of the bankruptcy itself. We are trying to move forward and have worked hard to repair our credit these past 5 years, establishing an impeccable payment history, but they are continuing to punish us, by not acknowledging it on our credit reports. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I sent a letter to the three bureaus regarding my personal information. Its been a 4 months since I've sent out these letters and have yet to receive any changes. Or a response from the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hello. 

I am writing to inform the CFPB about a potential violation and deceptive business practices at TD Bank who is the servicing institution for XXXX XXXX. 

Scope of the complaint : I have held an account with TD BankXXXX XXXX for over 5 years. On XX/XX/XXXX, I made a payment in the amount of {$1000.00} from my Checking account. TD Bank received the payment and posted it on the account on XX/XX/XXXX ( see attachment 1 ). In a phone conversation with TD Bank/XXXX  XXXX on XX/XX/XXXX, I was advised by customer service of the following ; 1. TD Bank/XXXX XXXX received the payment in the amount of {$1000.00} on XX/XX/XXXX 2. Subsequently, TD BankXXXX XXXX XXXX XXXX hold on the funds and categorized it as a ( Pending : Memo Post Debit {$1000.00} ) for a period of 15 business days. I was further advised on 2 separate phone calls, as to the payment posting dates of XX/XX/XXXX & XX/XX/XXXX. 
3. I was advised by TD BankXXXX XXXX customer service representative XXXX that though the payment was indeed received and applied to the account, however, it is the policy of TD Bank/XXXX  XXXX and is listed in their Terms & Conditions as listed on Online Banking, any payments over {$500.00} is subject to a hold, and it is a blanket policy not based on any risk based segmentation. In review of the Terms & Condition ( Please see 2nd attachment ). Nowhere in the terms & conditions, does TD BankXXXX XXXX disclose this hold policy. The terms & conditions as displayed on the Online Banking portal, states the policy was last updated in XXXX. 
4. This is potential of UDAAP Violation and deceptive business practices. In my case, the outstanding balance was on a promotional offer, hence no interest is charged. 
5. In the event a customer does not have a deferred payment option, and maintains a high balance. Any payment greater than {$500.00} will not be given credit, and TB BankXXXX XXXX continues to charge interest on a per diem basis, resulting in an unjust enrichment for TD Bank/XXXX  XXXX and collecting additional inter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Novad Management Consulting LLC
State: AL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
A corporate raider took over the company where I had worked for 40 years, sending my job to XXXX and my XXXX to XXXX only knows where. 

This resulted in a financial disaster. A situation made worse after my lengthy hospital stay and my wife 's XXXX XXXX ( She recently passed away from XXXX  XXXX. ) Financial and credit advisors recommended a reverse mortgage on our house. This was not something I wanted to do but had little choice. 

We took a second mortgage to get some debt relief. We were told that we would get to live in the house until we died, as long as I kept the insurance and taxes paid. Which I have done. 

The mortgage went through a half dozen or so lenders with no problem. Finally, ending up at Novad and it has been a hassle ever since, with Novad even ordering me out of the house on two occasions. 

Novad is evicting me again ; a letter dated XX/XX/2021 directs me to be out of the house by XX/XX/XXXX. That I should empty the house and leave the key in the door. 

They never state plainly why this has come about, only that I have not kept one of the mortgage agreements and the payment is due. Which broken agreement is never stated. Only that I should empty the house and leave the key in the door. 

My calls to Novad have not resulted in my learning what the XXXX is going on, or what I have done to be kicked out in the street. I have never received the return calls promised. 

It is not easy on a Social Security income, but I have paid all the taxes and kept the insurance in force. If there is some problem, I would think they would let me know by mail or phone and give me a chance to correct it before evicting me from my home of 50 years. 

I am XXXX years old, suffer from myriad ailments, take 18 prescription drugs a day plus XXXX, and have nowhere else to go. 

A cursory internet check shows Novad has a poor reputation among many customers. I can see why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX has incorrectly added a derogatory item to my credit file for a large overdue bill in someone else 's name. They have this person listed as my " alias '' on my credit file. We do share the same first name but that is all. 

I do NOT have a XXXX account The past due amount reported on the credit file is {$3700.00}. 

This item was first added in XX/XX/XXXX and reported in XX/XX/XXXX. 

Approximately 1.5 - 2 years ago, XXXX started mailing billing statements to me, addressed to this person, at my address. I marked the envelop with " return to sender ''. When that didn't work I called and spoke to a customer service representative. I thought that resolved the problem but it did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: U.S. BANCORP
State: PA
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:
account was open XX/XX/XXXX for amount of XXXX now reporting incorrect for XXXX on my credit report also late payments have reach out to us bank to correct this matter but no response. incorrect information is hurting my consumer report and is a violation. 
The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( XX/XX/XXXX ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

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: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I initiated a bank-to-bank transfer of {$2000.00} from my XXXX checking account to my Huntington checking account. Almost immediately, the money was removed from my checking account via ACH debit. 

That same day, I received an email from Huntington : " We were unable to complete your transaction ; therefore, the funds have been returned to your XXXX XXXX, Checking [ number redacted ] account. Please expect to see the funds in the account within the next 3 business days. 

We apologize for any inconvenience this may have caused you. '' I called Huntington to ask about the issue, and the customer service rep assured me that my funds would be returned to XXXX. 

This never happened. I called again on Monday, XX/XX/XXXX, to ask where my {$2000.00} was my Huntington account showed no record at all of the transfer, while my XXXX account still said the money had been sent to Huntington. The customer service rep spent about 30 minutes " checking into it '' with a manager, then told me that they'd just released the funds back to me. He said to expect the money back in my XXXX account by Wednesday, XX/XX/XXXX. 

Again, nothing happened. On Wednesday, XXXX XXXXone full  week after the money was " guaranteed '' ( verbally ) to be returnedI called Huntington again. This time, I was informed that Huntington had sent my money back to XXXX, a third-party transfer company, and that it was up to XXXX to accept the money from them. I called XXXX XXXX, and the XXXX XXXX  representative knew nothing about this. 

I spoke to another Huntington representative, XXXX, who said, " Call XXXX, let customer service know a bank-to-bank transfer failed. By XXXX. Ask to file R06 form dispute with XXXX to get funds back into the account. '' I did this, and XXXX informed me that it has nothing to do with them. After four hours on the phone, mostly on hold, the reps at Huntington finally said that they weren't sure what to do. I was instructed to disconnect and " Wait for a phone call from a manager, XXXX, tomorrow. '' The rep was unable to tell me XXXX 's last name or what XXXX could do. 

In essence, from XX/XX/XXXX until XX/XX/XXXX, *nothing* has been done by Huntington to rectify this situation that they caused by rejecting my transfer *after* initiating it. I want nothing more than access to my own moneyand to close my Huntington account forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
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:
There are several items reporting on my credit file that does not belong to me. The following does not belong to me : Personal Information that is incorrect : XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( XXXX  & Equifax ) XXXX XXXX XXXX XXXX ( Equifax ) The following accounts are reporting inaccurate late payments status : XXXX - Date Open : XX/XX/XXXX ; Bal : {$0.00} ( XXXX, XXXX & Equifax ) XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : {$840.00} ( XXXX, XXXX, Equifax ) The following accounts was open as a result of identity theft ; these are not mine : XXXX XXXXXXXX - Date Open : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) XXXXXXXX XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : {$0.00} ( Equifax ) The following inquiries were not authorized by me : XXXX XXXX  ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ( 9 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( 2 TIMES ) XXXX  ( 5 TIMES ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: PREFERRED CREDIT INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A Salesman from XX/XX/XXXX tried to sell me a bed for over {$5000.00} I repeatedly told him I could not afford a {$5000.00} bed after 5 hours trying to sell me the bed at {$5000.00} told me I could have it on sale today only for {$2000.00} After I agreed and signed papers at {$200.00} he later added numbers that brought it to over {$5000.00}. The money to buy the bed was loaned to me by preferred credit, I am Bankrupt since 2009 XXXX and only draw Social Security. The sale of the bed at the price of over {$5000.00} was fraudently done

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was having some financial difficulty in the summer and fall of 2019 due to some natural disaster issues with my crop and property, tariff wars, etc ... Insurance covered the losses, but it was taking time. When I spoke to my student loan servicer about late payment they explained that late payment was not going affect my score. When I checked my credit report, two late payments are showing. i called the company to explain the urgency of a refinance and they said there was nothing they could do. I tried to talk to their credit department, but was told they don't accept calls. I asked to speak to management, waited on hold for quite some time, until I was told a manager would return my call, but I never received a return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company is stating that I owe them money and its on my credit but I dont have a sign contract with them. 

this account has been on my ftc report and I've disputed with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
I do not have any credit score with the TRANSUNION company, a situation that I have tried to solve on multiple occasions and that said company has not tried to fix, using different pretexts and excuses on each occasion, not having any credit score with TRANSUNION has generated serious problems for me. When applying for credit cards, processing a vehicle, applying for a loan, this problem has affected me financially and has caused me serious inconveniences.

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 2021-07-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This is about Paypal, i am probably not the first to complain about them they have accepted an amount of {$930.00} from someone who sent it to me they refuse to release it by the normal bank transfer or by a mailed check i have been using them for about 15 years with no problems apparently they need me to sign up for a new type of account the requires much more personal and financial info that i am not willing to give my contention is : if they needed this to complete any transactions for me then, they should not have accepted money on my behalf regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never received an itemized bill for the charges and the medical bills listed on my credit violate HIPPA. My medical information should be protected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
Ally Financi obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull 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 2021-02-03
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Discover Financial services calls my work no. repeatedly during the day. This has been going on for over 3 months. The calls are from XXXX Here are some of the dates/times they call : XXXX XXXX, XXXX - Mon XX/XX/21 - XXXX, XXXX, XXXX - Tues XX/XX/21 - XXXX, XXXX, XXXX - Wed. 
XX/XX/21 - XXXX, XXXX, XXXX, - Thurs. 
XX/XX/21 - XXXX, XXXX, XXXX - Sat. 
XX/XX/21 - XXXX, XXXX, XXXX - Sun XX/XX/21 - XXXX, XXXX - Mon. 
XX/XX/21 - XXXX, XXXX, XXXX - Tue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Payments made on the card and are deducted from my bank account and show as received on the credit card. The available credit does not reflect the payment for as long as 14 days. That means they are in possession of the funds for their own use and are not available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Enhanced Recovery Co at XXXX XXXX XXXX. XXXX, FL. XXXX has been sending me collection notices in the amount of {$550.00}. The collection has been reported as past due. I do not know this company. I have never done business with this company. this company does not have a contact with my signature.

Company response to consumer: Closed with explanation