BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
The amount : {$120.00} Date charged : XX/XX/XXXX XXXX. 

My Checking account was debited twice for the same amount of {$120.00} as membership fee in XXXX. I have complained to Bank of America and provided evidence of duplicate charges ( evidence attached ) but Bank of America continued to claim they have investigated and that the two charges were legitimate. I wanted to know what evidence was provided by the merchant to support the two debits but the Bank refused to provide the evidence. I suspect the Bank did not investigate the fact and have only come to a decision in favor of the merchant.

What I want from B of A is just the evidence provided by the merchant to justify the charges. Attached is the Bank Statement indicating the duplicate charges and my last letter to Bank of America.

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 2018-07-07
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notification of a collection account reported on my credit report. In reviewing my file there is an open collection with Midwest Recovery Systems opened XX/XX/2018 with an original creditor listed as XXXX XXXX XXXX XXXX. I have received no notice of this account and do not recall any business with either company. The balance being reported is in the amount of {$1000.00} which I need removed from all reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.

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 2019-04-18
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Enhanced recovery did not send me a collection letter before they put this on my credit file. There response would be that they can't find me even though they are reporting it on my credit file. This is collection agency new tricks to put things on your credit report before they notify you in the mail. But I have never received a collection letter with my right to dispute this,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: EQUIFAX, INC.
State: IN
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 have printed my report from XX/XX/19 and XX/XX/19. There are no difference in the two, but yet my score dropped 128 points in 1 day! Everything is exactly the same on the reports but no one can explain why the drop. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have requested valiadation of debt from XXXX on the two accounts that shows on my credit report on XX/XX/23. I have not been supplied validation of debt and the accounts are still reflected on my consumer 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 non-monetary relief
Consumer complaint received 2022-09-06
Company: Experian Information Solutions 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it was fraudulent & was opened without my consent or knowledge XXXX XXXX  XXXX Date Opened : XX/XX/2016 Balance : {$21000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15
Company: SYNCHRONY FINANCIAL
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:
This concerns my PayPal Credit Account XXXX Synchrony Bank ). I request each month that a portion of my payment be allocated to retire Promotional, Special Financing Purchases. I usually complete this easily via PayPal Credit 's chat function. This month ( XX/XX/2023 ), I chatted on XX/XX/XXXX with instructions regarding how to apply the payment, as I have done for months. I always review this chat call within 2 days of completion to confirm correct allocation of my payment to the corrrect Promotional Purchases. On XX/XX/XXXX I engaged in a new chat on the PayPal Credit site b/c my payment instructions from the XX/XX/XXXX chat were not followed correctly. In the XX/XX/XXXX chat I pointed out the error and the agent stated it would be corrected pursuant to my instructions. In each chat session, I finish with a recap to confirm the instructions are followed. The agent confirmed understanding of my instructions on XX/XX/XXXX. On or around XX/XX/XXXX or XXXX, I confirmed that the payment had been misallocated again. I called PayPal Credit directly at this juncture to correct the errors again. After reviewing my account online on XX/XX/XXXX, I confirmed that the misallocation still existed and further, PayPal Credit actually increased the balance of one of my Promotional Purchases by {$100.00} in its error-filled misallocation of my payment. On XX/XX/XXXX I called again to address the issue. The manager I spoke with stated he could not correct the current allocation ( b/c we had passed into a new billing cycle ) and would put in a request to " review. '' This situation will now cause me to incur over {$120.00} of deferred and accrued interest on the Promotional Purchase that expires in XX/XX/2023. This is a constant problem with PayPal Credit ( Synchrony Bank ) and is now causing me direct financial harm. Due to antiquated legacy systems, Synchrony is not able to correct my account for XXXX to 60 days, and provided no assurances I would not incur the deferred/accrued interest charges, due directly to their errors. No admission of the errors or misallocation were offered and no apology. I am asserting direct financial harm in the range of hundreds of dollars as a result.

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 2018-11-27
Company: Experian Information Solutions Inc.
State: OR
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:
Payment History View up to 7 years of monthly payment history on this account. The numbers indicated in each month represent the number of days a payment was past due ; the letters indicate other account events, such as bankruptcy or collections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was turned over to XXXX XXXX in XXXX of XXXX the payment where made on time by them but XXXX XXXX continued to show late for XXXX, XXXX, XXXX and XX/XX/XXXX 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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my Consumer Reports and noticed that I had four late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2022-09-06
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On or about XX/XX/XXXX, I wrote a {$5000.00} check ( # XXXX ) from my XXXX XXXX XXXX XXXX ( XXXX ) located in XXXX XXXX and deposited that check into my TD Bank account in XXXX South Carolina, through mobile deposit. 
Approximately Seven ( 7 ) months later, on or about XX/XX/XXXX, XXXX XXXX called me and informed me that someone tried to deposit the same check # XXXX that was written on XX/XX/XXXX into a XXXX Bank account. Because I did not make the deposit, XXXX deemed this as fraud and did not clear the check. 

A month later, on or about XX/XX/XXXX, I noticed {$5000.00} was missing from my TD Bank account, the same account where check # XXXX was deposited. When I called TD bank to inquire about the missing money, I was informed by TD Bank that since the same check ( check # XXXX ) was presented into a lockbox deposit, they had to reverse that check. However, these funds were not reversed into the XXXX account from where originated. Instead, the funds were sent to a XXXX Bank account. I do not have any XXXXXXXX XXXX  XXXX. Importantly, the check ( check # XXXX ) was not a TD Bank check, it was a XXXX XXXX check. Additionally, the check was not endorsed on the back of the check. So I do not understand how this check can be paid by TD bank while the issuing bank XXXX refused to honor this check. 
TD Bank has refused to file a fraud report and the reasoning they have given me for the reason they refuse to file a fraud report is because it was not a TD Bank check. However, the check ( check # XXXX ) was originally deposited by me into my TD bank account and the check ( check # XXXX ) was processed a second time by TD bank and sent by them into a XXXX Bank account, where I not have an account. 

More over this check was presented 6 months after it was written and it was not endorsed by me. TD bank is refusing to give me back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Account number XXXX XXXX  XXXX Its mine. My forgiveness loan is with another company. XXXX XXXX XXXX not XXXX. 

XXXX  account XXXX shouldnt be in my report anymore. XXXX XXXX XXXX is my provider for my loan forgiveness Sears/cbna account XXXX thats not my account a shouldnt be in my credit report Home Depot/cbna account XXXX. I reported the card loss to Home Depot in 2013  along with everything in my wallet. Ive been calling them to make some types of arrangements no response. Please advise!!! 

I need help with this matter. I am a XXXX XXXX XXXX with XXXX kids. Just wants to fix this matter as quick as possible to move forward. 

Best XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
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:
1. My old card expired, so HSBC sent a new card to my home ( U.S ), but it was stolen and used by criminal suspect from XX/XX/XXXX. when all transaction happened, I was physical located in XXXX, XXXX ( passport record can prove ) 2. In XX/XX/XXXX, I received a call from HSBC to remind overdue payment, then I found the credit card was on fraud. ( No text messages and phone call from HSBC to remind the abnormal transactions ) 3 I reported to HSBC about the fraud in XX/XX/XXXX and filed a policy report on XX/XX/XXXX in US 4. From XX/XX/XXXX till XXXXXX/XX/XXXX, I keep contacting HSBC fraud department and look for a solution ( made over 15 times phone call ), HSBC partially dispute the transaction, but still denied over {$6000.00} transaction. 

Complains : Here is the complains for my case : 1. Fraud department didn't make any progress from XX/XX/XXXX to XX/XX/XXXX.

2. In XX/XX/XXXX, Fraud department supervisorXXXX XXXX ( not sure the name is correct ) told me HSBC partially disputed the transaction, and suggested me call XXXX XXXX XXXX, I called more than 10 time of the number, but no response. so I have to call fraud department, but fraud department asked me call ( XXXX XXXX ), so I was a ball been kicked one side to the other. 
3. Fraud department told me different reasons of deny the fraud dispute requirement each times when I called 4. I required to talk to fraud department supervisor from XXXX ( >5 times ), only one time received call back, but no progress. 
5. it passed 6 months that investigator still can't get policy report, obviously, no one is working on my case. 

I attached " policy report card '' and and " I94 - Custom entry/exit record- which can prove I am physically in XXXX , not in US when the fraud happened ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: SYNCHRONY FINANCIAL
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/ I financed a motorcycle through the dealership with Synchrony Bank in the amount of {$12000.00} at a 9.99 % interest rate, on XX/XX/ I made a {$230.00} payment, I then made additional payments on XX/XX/ in the amount of {$600.00}, XX/XX/ in the amount of {$250.00} and another {$600.00} payment on XXXX As of XX/XX/ my statement balance was listed ay {$11000.00}. We realized that all of the extra payments we were making were not being applied to the loan balance. On XX/XX/ we refinanced the loan to XXXX and a check in the amount of {$11000.00} was signed for at XXXX by an XXXX XXXX XXXX Synchrony Bank on XXXX. The payoff amount at the time the check was received was {$10000.00}. 

On XX/XX/ I called Synchrony because no one had contacted us about the overpayment. I requested a check be sent in the amount of the overpayment of {$640.00}. Synchrony bank sent us a check in the amount of {$570.00} leaving an unaccounted for balance {$64.00}. 

Synchrony has not sent us an itemized statement to account for any of the charges, or the loan payoff. I have been unable to contact them, and at this point this is basically theft. I would like the remaining balance of {$64.00} sent to me immediately. 

I honestly have no idea how this place is even still in business. I've never seen such atrocious tactics for essentially stealing from people.

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 2018-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
After the XXXX security breach, summer ofXX/XX/XXXX, I had my credit frozen. I signed up with XXXX  Credit monitoring just to be safe.

I have had an excellent credit score in the 800 's for many years.

I was notified XX/XX/XXXX that my credit score has fallen 54 points on all three reporting agencies. There is no indication why this has happened. It seems arbitrary. Nothing has changed. No new credit. No new loans. One very small credit card balance was paid off, but that should not have effected my score this much. Everything is the same. Bills are paid on time or early and usually with more payment than necessary. No hard or soft inquiries. No one seems to know why this is happening. I have written a letter to XXXX  Credit monitoring to ask why this is happening. I honestly have no faith in them responding. If they notify someone of a 54 point drop in their credit, you would think they could tell you why.

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 2022-08-04
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:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Bread Financial Holdings, Inc.
State: NC
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:
Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, it is fraudulent to have reported the account in question without my written consent. Please provide evidence of such or remove the item in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Mobiloans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
So in XXXX to late XXXX of 2017 I received a mail notice pretty much saying i qualified for loan through this mobiloans website. I live in California and was going through financial issues so I figured that this would help relieve some of the burden of expenses that kept building. So I applied for loan and was given credit line of XXXX I believe, and every two weeks they would deduct money out my account to go towards what i loaned. However what I didn't really pay attention to was the amount of fees that my payments were going to rather than the amount that I borrowed. Every two weeks I make payments because it comes out of my account automatically and I borrow here and there but after doing the math of how much I have borrowed ( XXXX over time XXXX ) and how much I have already paid back ( XXXX ) I have paid back over XXXX in just fees which is a complete scam. I still have a balance of XXXX but current principal balance of XXXX ( which is amount of money i actually owe ) but with the fees they tack on every two weeks 60-80 % of my payment goes towards fee and the remainder towards the actual principal balance. I have been paying this balance down ever since I pulled but this is getting ridiculous and probably is illegal to tack on fees every two weeks that a payment is made. I am not really sure what to do in order to resolve this but this is definitely a setup to pretty much never be able to pay off the amount of money borrowed and if I'm not mistaken I believe its illegal to charge over certain amount of fees when issuing payday loans which is what I have.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-15
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have had my Home Depot credit card account since 2020. Opened a online credit report service to check my credit score and notice that the credit card account is not being reported into the credit report bureaus. I talked the store about it last year and they said its being reported, but still doesnt appear in my credit reports.

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 2017-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I have notified XXXX XXXX and Capital One bank via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated XX/XX/XXXX & XX/XX/XXXX. I have not gotten any responses from Capital One bank or XXXX XXXX.

Company response to consumer: Closed with explanation