BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-29
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I wanted to lease a safety deposit box with TD Bank. They forced me to open a checking account to do this. I did in XXXX XXXX and deposited {$210.00} into the account. An {$80.00} charge was taken out to pay for the safety deposit box. The balance should have been {$130.00}. As long as the account balance stayed above {$100.00} I was told I would not incur any fees. In XXXX XXXX an electronic transfer for {$66.00} was done against my account. I did not perform this action, but someone else must have hacked their system. I was unaware of this because I turned off paper statements because they were charging me a fee for that. Since I had no intentions of using the account, I had no reason to check online statements as my balance should have stayed the same. Once the {$66.00} transfer was done, the balance fell below {$100.00} and TD Bank took out $ XXXX in fees. Again, I was unaware of this because I was n't checking online statements. Today, XXXX/XXXX/XXXX, I received a letter in the mail that my balance fell below {$0.00} and I should correct it at once. This was the first time I became aware of any activity on the account. Once I found out, I called the local branch. An unhelpful lady without compassion told me about the {$66.00} withdrawal and the subsequent fees. She told me to come by in-person. Once onsite, I was told there was nothing that could be done since the hack occurred more than 60 days ago - not sure why I was forced to be in person to be told they could n't do anything. She also implied it was my own fault since I was n't checking the monthly statements. The Cust Service I received at TD Bank was horrendous. My money was withdrawn behind my back and I 'm told it was my own fault. I thought the bank was there to protect my money, not steal it???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: NV
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:
I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

LIST OF INACCURACIES FOUND ON EXPRIAN COMPARE 3 CREDIT REPORT : ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE-ACCOUNT TYPE INACCURATE { SHOWS AUTO LOAN & INSTALLMENT } ACCOUNT BALANCES- INACCURATE PAYMENT STATUS- INACCURATE SHOWS CURRENT XX/XX/XXXX ON EXPERIAN AND THEN XX/XX/XXXX SHOWS CURRENT, WAS PAST DUE 30 DAYS, AND ON XXXX SHOWS PAID OR PAYING AS AGREED PAYMENT HISTORY- INACCURATE REPORTING { IN XX/XX/XXXX SHOWED NO 30 DAY LATE PAYMENT FOR XX/XX/XXXX, IN XX/XX/XXXX IT NOW SHOWS A 30 DAY LATE PAYMENT FOR XX/XX/XXXX. 
TERMS- INACCURATE ... REPORTING 86 MONTHS XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.

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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am XXXX XXXX XXXX XXXX and I submitted this claim myself and no third party involved. I XXXX XXXX XXXX XXXX, XXXX Person and creditor. I submitted A FTC identity theft report to remove this fraudulent account XXXX. They received the FTC and told me it will be off on XXXX. But I checked my credit report. Seven 30 days later and it is still on my report. According the Fair Credit Reporting Act 15 U.S.C 1681 Section 602. A block was suppose to happen within 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX Attention : JPMCB CARD Credit Department XXXX XXXX XXXX XXXX, DE XXXX Dear JPMCB CARD This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : JPMCB CARD Made on : XXXX XX/XX/XXXX Made with : XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When I opened my accounts I was told by the phone banker in order to avoid fees I had to have automatic transfers set up of XXXX each month to keep the account free and the phone banker had to set them up. I only just learned that it is not true and I needed an average balance of {$500.00} in order to avoid the fee. I was never told this and then I couldn't even be refunded all the fees like it was my fault. I want ALL fees reversed in full. This is the bank 's fault, not mine.

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 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 this date I found a Hard Inquiry that was made in my name for a credit card. The date was XX/XX/2022. I notified the credit card company and informed them that I did not request this credit card. They immediately closed the account.

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 2022-04-26
Company: EQUIFAX, INC.
State: NY
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:
Unauthorized Hard Inquiries List Below : XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I originally filed a complaint with CFPB on or around XX/XX/XXXX about my problems with XXXX  processing my IDR request in a timely manner and providing me with a new payment plan. My qualifying payments under the PSLF program expired in XX/XX/XXXX and since XX/XX/XXXX, I have been placing my monthly payments on forbearance while I wait for my annual renewal to be approved. I have a long history of communication with XXXX about the status of this request. On XX/XX/XXXX, I received my bill for {$5.00} that would enable a new payment amount to be determined. I submitted this payment and XXXX confirmed it was received on XX/XX/XXXX. I spoke with XXXX ( employee ID : XXXX ) on XX/XX/XXXX requesting a status update on when a new payment amount would be determined. She informed me should would expedite the request and I should have a new payment amount determined by this Friday, XX/XX/XXXX. Unfortunately, today on XX/XX/XXXX I received an email telling my that they could not process my IDR request. I called and spoke with XXXX ( employee ID : XXXX ) who informed me it looks like this was made in error and she would forward the request to have someone look at it earlier next week. It has been 6 months since I have submitted my renewal IDR information to XXXX. At the rate with which they are processing this request, and have made other errors in past years in regards to ensuring I am making eligible payments towards PSLF, it will take me 20 years to make 120 eligible payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
account was opened in my name and bank refuse to remove my name and social from the account with debit.. This account Identify Theft This account was open when I was in the hospital I never apply or use the card XXXX XXXX Account number XXXX .... 
Recent balance {$1500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$1500.00} written off. {$1200.00} past due as of XX/XX/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 2022-04-26
Company: LEXISNEXIS
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: Account information incorrect

Complaint:
Lexisnexis refuses to correct info that's incorrect on my report. This info has been verified by progressive that i never had a coverage lapse. Their method of investigation is eoscar pertaining to disputes. The information being provided is harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: WELLS FARGO & COMPANY
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I recently applied for a wells fargo credit card account and upon receiving a letter by mail I was informed that my application had been denied because of a previous wells fargo checking or savings account that was not maintained as agreed. I contacted wells fargo and made them aware that the account referenced was opened fraudulently while I was incarcerated and that wells fargo identity theft team and online fraud resolutions team had dispositioned the account as fraud on XX/XX/2020. I also provided them with the case number ( XXXX ) for the disputed account. I was then transferred to the overdraft dept and explained the situation and was told that an investigation had been opened into my claim and would take 14 days to be completed. I explained to the rep that an investigation had already been conducted and that the problem was that their system was still holding me responsible for the fraudulent account and that it was preventing me from being approved for any wells fargo products. The rep told me that it didn't look like Fraud to her and proceeded to tell me that it didn't matter that an investigation had already been conducted absolving me of all responsibility. I explained to her that I had been the victim of identity theft while I was incarcerated. I believe that wells fargo is penalizing me and holding me responsible for an account that has already been ruled as fraud by their investigations team. I am requesting that any overdraft or charged off account still being held against me be removed from the system so that I am not penalized for an account that I did not open and so that I am permitted to apply for wells fargo products in the future without.

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 2020-04-23
Company: PNC Bank N.A.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
My wife and I applied for an auto loan refinance on XX/XX/20 using the online application at PNC. She was approved for the loan with a rate of 3.39 %. PNC informed us that we would need to go to a branch to close the loan and the rate was locked for 2 months. We checked the website and loan portal link on XX/XX/20 and confirmed that the rate of 3.39 % was approved and the best rate offered on their website. On XX/XX/20 she went to the branch in XXXX, VA. After collecting additional information PNC informed us the rate was now 0.4 % higher. After informing them that was not agreed upon we logged on to the loan portal to see the rate was changed just minutes ago. We had a screen shot as proof of the original approval after the branch manager claimed we had no documentation to support our claim. The best rate offered on their website was 3.39 % on XX/XX/20 as well. This is classic bait and switch. They were unable to close the loan that day and were unsure if they could resolve the matter despite our complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I receive my report from Lexis Nexis and again they are still reporting all these inaccurate incorrect information on my consumer report. I received a letter stating that they have remove these XXXX { 2 } bankruptcy from my report, but it still showing on there. XXXX, XXXX and XXXX will not remove them because the are stating Lexis Nexis is reporting it to them as accurate. The court for Bankruptcy sent me XXXX { XXXX } letters stating they never give Lexis Nexis this information they receive it from XXXX  system which is a paid system.I am uploading all the letters i received from this company. 
Also to delete XXXX XXXX XXXX XXXX, that address is incorrect i update my new address so many times. 
I am demanding these incorrect information be remove from my report. these incorrect/ inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes, also damaged my livelihood. 
Under USC 1681 Section 602A states i have the right to my privacy. 
So they are in violation of my privacy.They are PROHIBITED BY LAW not to furnish inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased my XXXX XXXX XX/XX/XXXX, 2013, at the time of the purchase Ally Financial Inc. and Ally Bank ( Ally ) was the bank who offered me the fraudulent loan on my vehicle. As an XXXX XXXX female borrower, I believe there was predatory lending involved in my loan and I paid a higher interest rate and continue to pay unusually higher fees for my auto loan because of Allys discriminatory pricing system. <P/>Though at the time it did not all come together over the life-time of my loan I have bean to see that was charged and interest rate that was significantly higher and the loan continues to report inaccurately regarding late payments. When I make my on-time payments to Ally they tack on this exorbitant fees that they classify as late fees. But the payments are not late. I continue to be overcharged because of of my race and gender and am a victim to a very sick system that continues to violate the rights of people of color and women across the country. <P/>When I financed the purchase of my XXXX from the auto dealership, the dealer facilitated indirect financing through Ally. Ally set a risk-based interest rate, or buy rate, and then allowed XXXX to charge me a higher interest rate when they finalized the deal with me. This rate was solely based on my race and gender. The ECOA prohibits creditors from discriminating against loan applicants in credit transactions on the basis of characteristics such as race and national origin. <P/>Allys discriminatory pricing and compensation structure has caused me severe damage on my credit report. I have paid for the car almost two times over at this point and still owe {$13000.00} after 4 years of consistent payments. <P/>I have attempted several times to clear this up with Ally and to get the erroneous errors on my credit removed and the loan updated or removed and they continue to attest that I am wrong. Ally you are thief and a predator. You pray on women and minorities and this can not go unpunished. I am writing to have all derogatory items removed from my credit report and the fraudulent auto loan be 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 2022-04-26
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in erroXXXX XXXX XXXX XXXX  consumer by law at ang information XXXX XXXX XXXX  misused at XXXX I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : This Account is inaccurate and I'm seeking litigation. Please delete at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation