BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-24
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had opened an account with TD Bank ( account # XXXX ) as a way of teaching my XXXX XXXX XXXX daughter about banking. All of her chore money went into this account and, if she decided she wanted to make a purchase, I would either write a check or use the debit card. I thought it was important for her to learn the value of a banking relationship and the importance of safeguarding her funds by using a bank. Unfortunately, this experience has only taught her that banks are not to be trusted and that her money is better kept under the mattress than with a banking institution. Due to a medical issue, I am catching up on mail communication and I notice that TD has halved the balance in my daughter 's account due to a {$15.00} " Maintenance Fee '' along with a {$1.00} " Paper Statement Fee. '' Aside from never having received any disclosure regarding these fees at account opening, there is very little activity on this account. My daughter 's transaction are few ( she's XXXX and doesn't deposit or withdraw much ). In addition, all of my other accounts are managed online so, had I been advised of a paper statement fee, I would have gladly signed up for online access. It seems as if TD is looking to completely deplete all the funds my daughter worked so hard for with their fees. I suspect that, when this happens, they will continue to add fees until the account goes negative at which time they will likely send me a bill. Unacceptable. Customer service at the bank is horrible and only corroborates that said fees are " valid '' despite my not being made aware of them when the account was opened. 

I am fully prepared to contact the local media. I'm sure the residents of the State of CT ( and perhaps, elsewhere ) would love to hear that TD Bank took every cent of a XXXX XXXX XXXX girl 's money. Money which she, by the way, worked for by helping neighbors shovel snow, rake leaves, etc. This is unconscionable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2020 I was told by a Lowes employee that I could make a large payment on my Lowes credit card that day to make a purchase that day and get my 5 % off my purchase. I paid {$3000.00} to my Lowes card ( Synchrony Bank ) and when I tried to use it for my purchase, it was declined. My bank had pre-authorized the transaction. I was then told that since my credit limit was {$100.00}, I could not spend {$3000.00} on my Lowes card, even though I already paid that amount on my card. The transaction to pay on the Lowes card came from my debit card. I had a 3 way call with my bank and the Synchrony bank people to try to resolve it. The store was unable to make an adjustment and refund my {$3000.00} as well. Luckily my bank had put in a provisional {$3000.00} to cover me. 
I called Synchrony Bank at XXXX on XX/XX/2020 to ask them to credit the money back to my debit card and they have told me they can not do that. They stated so had to wait for 7 days from the date of the transaction to be issued a check that I would then receive in 7-15 business days. They took the money instantly but can not return it the same way. I spoke with a supervisor named XXXX who continually stated they can not return it electronically and I would have to wait until XX/XX/XXXX for them to even issue a paper check to be mailed. That is bad business and I feel they should not be getting interest on my money for an extra 2 weeks. I need to pay the bank back that money. Please advise.

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 2021-01-20
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: Was not notified of investigation status or results

Complaint:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person

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 2019-04-24
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I believe this was discharged in my bankruptcy and shouldnt be with a collection agency. I already had XXXX remove this from my credit report. Chapter XXXX case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Experian Information Solutions Inc.
State: NY
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:
Report # XXXX I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed with them FORTY DAYS AGO ever since XX/XX/2018. Because they have gone way past the 30-day legal deadline and can not verify the account, under Section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ... promptly delete all information which can not be verified. '' which includes the account I have disputed. 

Please resolve this matter ASAP. Thanks in advance.

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 2017-11-28
Company: Seterus, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to correct the problem with Seterus, Inc. for two years. Back in 2015 around XXXX I made a payment and it was places in a suspense account. I contacted Seterus and I was told I needed to make another payment because it was placed as an over payment on the account and not towards my monthly payment. I was not willing to do so because why should I have to make double payment because your system XXXX XXXX my payments online. I have called and had people in the customer service say that they are going to look into this issue and never have. I want my late fees refunded and the amount corrected. I am tired of getting call at the end of every month saying my mortgage is late and in fact it is not!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I submitted a previous complaint that specific address were not removed. I submitted an ID with my name and address. I reviewed the feedback from this company and my name is spelled incorrectly. 

I need my name corrected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I submitted a previous complaint that specific address were not removed. I submitted an ID with my name and address. I reviewed the feedback from this company and my name is spelled incorrectly. 

I need my name corrected

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 2020-07-27
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Initially I had a credit card account with XXXX  XXXX who was purchased by XXXX XXXX. I lost my job and was unable to make any payments. I attempted to negotiate/ask for respite from the company and was denied any consideration. I did, however, write them agreeing I owed {$6300.00} ( the credit limit ). In XXXX, when I finally was able to secure a job, I wrote again and began paying {$50.00} per month. The debt was subsequently sold ( multiple times ) and now is with XXXX XXXX XXXX. I have been writing to them recently asking for a complete accounting of the funds submitted to them and their predecesors from XXXX to XXXX a total of 13 years. To date I have not received the requested accounting. In an XXXX article I just discovered that some debts have a statute of limitations or a " time-barred '' expiration date. The article indicated that limits vary by state and generally range from three to six years, depending on the debt. I am again writing to them and again requesting an accounting as well as informing them I have submitted this complaint with the Missouri Attorney General 's Office as well as with the Consumer Financial Protection Bureau of the United States Government.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27
Company: Experian Information Solutions 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:
There is a collection on my account that does not belong to me that is being reported by XXXX XXXX XXXX. In reviewing my credit reports there were several items that were not mine that had been opened in my name as a result of Identity Theft. I filed a complaint with the FTC when I became aware that these items were being reported. The FTC complaint is attached. 

This is the last remaining item ( currently known ) as the result of the identity theft. I am politely requesting that this be reviewed and removed as I did not open this account. 

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 explanation
Consumer complaint received 2021-09-12
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: Account information incorrect

Complaint:
My husband and I were in a forbearance plan due to COVID. We were then, at the end of the forbearance, scheduled to pay XXXX, XXXX, XXXX and XXXX to be current this year. A total of close to $ XXXX. XXXX XXXX STILL REPORTED US LATE to our credit even though it was a forbearance. That is affecting us selling our home now and we would like it corrected on our credit. They should not have reported this incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/2020 XXXX XXXX reported fraudulent information on my credit filed. The amount is {$940.00} I do not have a contract with this company and never have. The account was deleted XX/XX/2020 and has been reinserted without my knowledge or verification of debt. XXXX XXXX  has broken the FCRA law by reinserting fraudulent debt on my credit file.

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 2019-02-18
Company: CORELOGIC INC
State: TN
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 checked my credit report on XXXX XXXX to discover that I had 6 hard pulls  on my credit report, of only 3 that I recognize. XXXX XXXX, is whom I have my SUV financed through. XXXX XXXX, is the dealership I purchased my SUV. XXXX XXXX  financed a credit card from XXXX. I would like the other 3 removed form my credit report. Please remove the following : XXXX Inquiry from XX/XX/2017 XXXX XXXX  Inquiry from XX/XX/2017 Credco Inquiry from XX/XX/2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Experian Information Solutions Inc.
State: TX
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:
Experian has our XX/XX/2018 mortgage status listed as 30 days late, however, it should be current status since we paid on time.

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 2018-03-23
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is charging me something isnt my charges. Dont know  how they have my information

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 2017-03-15
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
This law firm has not contacted me via email, mail, nor telephone in reference to my credit card debt. However I am receiving letters from other law firms to defend me in reference to a lawsuit filed against me from this law firm that I did n't know exist. This is a scary yet unprofessional matter!! I 've tried to contact this company several times and I 'm getting nowhere. This is a matter I would like to resolve professionally before it gets outs of hand ... This law firm is unpredictable and very shady..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I discovered Waypoint Resource Group # XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification or validation of this debt after disputing it. Please delete this item immediately for its a violation under the FCRA. ( See attached documents proving that the debt was deleted after disputing ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Promotion was for XXXX XXXX XXXX points for adding an additional user to the card within 30 days of account approval and the additional user making a purchase within 90 days of account approval. 

Account was approved XX/XX/2019. 
Call to add additional user was on XX/XX/2019 ( have call logs to prove this ). This is 29 days after account was opened and within the 30 day requirement. 
Purchase by additional user was made on XX/XX/2019, within the 90 day requirement. Have statements to prove this, and Barclays should have access to this. 

Called several times to request points, was told that either of those two requirements were not met. Barclay 's claims additional user was added XX/XX/2019, after the 30 day requirement. I am providing call logs proving I called Barclays to add the additional user on XX/XX/2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Pentagon Federal Credit Union sold credit card debt that I had already paid over a year ago.I have contacted Pentagon Federal Credit Union about this issue and have not heard back. 
I have been mailed and called several times by collection agencies with their tactics to sue or report me to the credit bureau unless I pay the debt that they show as still active from Pentagon Federal Credit Union. 
The three credit bureaus ( XXXX, XXXX  and XXXX XXXX ) all show my accounts as paid and XXXX balance after I paid them off last year on XXXX XXXX. However, I also have correspondence from Pen Fed  on XX/XX/XXXX showing they sold my credit card debt to these agencies. 
I have several agencies calling me at work and home, as well as mailing letters collecting against me daily. 
PenFed has acknowledged they show the debt paid but have yet to correct their mistake. Its also very difficult to get in touch with a person at PenFed when you call. Meanwhile I live with the threat of a negative credit rating from these collection agencies, while I am trying to purchase a home.

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 2019-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX XXXX deposited a two party check to me XXXX XXXX XXXX and her XXXX XXXX XXXX from XXXX Mortgage for the amount of {$2700.00} into her Bank of America account ( account number not known ). It is not a joint account and the funds were supposed to sent to me XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, FL. XXXX but instead she called and them send it to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX which is a XXXX store. She then in return once I called XXXX and had them reissue the check, deposited it that same day and will not respond to me at all. I have filed a complaint to XXXX as I was the primary borrower, and BOA as I didn't have a joint account or sign the check, local police will not do anything. I fault her most of all, but Bank of America should not have taken the check for deposit as it is a 2 party check. XXXX should not have mailed a check to a non residential PO Box and meanwhile I am out of my money because of these mistakes.

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 2021-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I noticed an unusual charge on my Capital One statement. I contacted Capital One to resolve the issue. They extended a credit for the amount then simply reapplied the charge without notice or incident. I attempted to rectify the situation further only to be transferred 4 different times, each time having to explain what was going on. Fraud department refused to change the charge and said that there is absolutely no way it could be fraud even though the charge was at a business over an hour away from me ( in an area I would not go for any reason ) and something I would not patronize. So much for their " customer protection ''. 

Beware of using ANY of their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 4 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation