BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-03
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Credit card with TD Bank N.A. 

I transferred the credit card balance to another credit card. In addition to the transfer, I have faced additional charge, one of witch I paid. I am being threatened with a credit bureau report. 
I have called them without satisfaction. 
I attempted to review past transactions but could not access the account. 
I am a CPA and have put in a considerable amount of time in this matter. I should be reimbursed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-26
Company: EQUIFAX, INC.
State: AZ
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:
To whom it may concern, I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character and has hindered me in my job search as well as applying for credit. I unfortunately can not even get a SBA loan. I have written to the company twice. Once on XXXX and again on XXXX without any action or notification of acknowledgement. 

This issue was submitted to the CFPB with no action or direct response to my issue. A general statement was your companies response which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been reaching out to the credit bureaus sending out letters demanding that the information on my credit report be verified. I have not received any letters or responses. I have filed with FTC and with you hoping for expedited answers.

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 2022-12-31
Company: ALLY FINANCIAL INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX of XXXX I tried to cash a personal check that I received from my dad for XXXX. It was {$350.00}, but half of it was for my husband. So I waited for my check to clear, then I tried to send half of it to my husband. Then my bank which is Ally, flagged and locked me out of my account. I called my bank to ask why did I get flagged and locked out? Customer service didn't give me a straight answer on why this happened. So I waited for a while then called back and still didn't get no where. So I called my dad and asked if the {$350.00} left his bank which is XXXX XXXX  he said the the funs has left his bank. So I don't know why I'm locked out of my account when my check cleared and has left my dad 's bank. I normally make transfers to my husband from my bank accounts using XXXX but since my bank decided to decline the transfer that I definitely had enough money to cover. I only needed to send my husband {$170.00}. Now I'm in the negative with 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 non-monetary relief
Consumer complaint received 2021-11-29
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
None of the afore mentioned categories describe the scope of my problem. BBVA Compass was bought out by PNC in early XXXX. I had enjoyed on line banking through my secure accounting firm XXXX XXXX XXXX with XXXX accounts : Household, XXXX XXXX, personal/trust and one credit card and one debit card. When the change occurred, I was no longer able to access my accounts on line from PNC. I have spent countless hours with XXXX XXXX, my former wonderful BBVA Compass banker and now agent with PNC, on the phone in her office with PNC officials. We have begged and pleaded. I have signed papers that were supposed to get my accounts on line. After TWO MONTHS, I still can not access my accounts. BUT IT IS WORSE ... XXXX weekend, I got a call from a third party in XXXX who banks with Compass/PNC in their branch. She had access to ALL MY ACCOUNTS on her XXXX!! She had numbers, bank balances, transactions. She could access all my accounts and I could not. It is a COMPLETE BREACH OF SECURITY of my accounts. When later, I finally got a statement of my credit card charges, there were a number of charges that weren't mine. I had to cancel the card. Evidently with my accounts on line, I got hacked. Two months later, I still can not access my accounts. I am beside myself. I have spend hours, had two branch managers trying to help... .and STILL NOTHING. These people violated my right of privacy, have caused me countless hours of accounting bills and should not be in the banking business. In one phone call from and XXXX XXXX XXXX weekend who works for PNC corporate, he was rude, flippant and sent me on a wild goose chase to the bank to sign papers that didn't resolve anything. I now hear absolutely nothing. I have no assurance anyone is even thinking about my situation. Poor XXXX XXXX practically cries when I show up at the bank because she feels so badly that she can't help my situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Im being attacked for someone causing 4 hard inquiries to my credit report. I already complained about XXXX XXXXXXXX XXXX and XXXX XXXX XXXX Today I received a new email from XXXX reporting a new inquiry from SYNBC/American Eagle , institution I never asked any credit at anytime in my life.

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 2021-06-23
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Per the bank 's own instructions, in order to close an account it must have a {$0.00} balance and no incoming transactions for 30 days. To facilitate this, I transferred my remaining balance to a different financial institution and used the available online banking tools to disable the debit card. The online banking site explicitly states " This card is blocked and no further transactions can be made. '' ~30 days later, two transactions are processed for the disabled card. Customer service informed me that because these were " previously authorized '' subscriptions, that disabling the card would not prevent the transactions. The whole POINT of disabling the card is to prevent ANY transaction from being approved - and indeed several other " recurring '' transactions were appropriately declined ( and the merchant then contacted me to update my payment information ). The bank refuses to rectify the situation and instead is blaming me - despite my availing myself of the provided tools to prevent exactly this kind of situation ( and the assurances those tools then provided that all transactions would be prevented after the card is disabled ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After looking at my consumer report, It appears to me that I am a victim of identity theft. There are collections, closed accounts, charge-offs, and inquiries that are fraudulently being reported. These accounts are indeed fraudulent, containing inaccurate information and multiple discrepancies that are being reported on my consumer report. In pursuant to 15 U.S.C 1681b the consumer reporting agencies never asked nor were they ever given my permission to furnish this information. I state I DID NOT give written consent to any of the consumer reporting agencies to do furnish any of this information. The consumer reporting agencies have assumed this vital role, and infringed my rights both personally and as a consumer. Pursuant to 15 U.S.C 1681 ( 4 ) My privacy has been invaded and damages have been done to my mental health by the added stress of such reports on my credit score that have been a total invasion of privacy and have prevented me from funding for housing purposes.

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 2023-12-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27
Company: Cornerstone Home Lending Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I accidentally paid the XXXX XXXX Tax to XXXXhe County when my mortgage company ; Cornerstone Home Lending , Inc. was supposed to : XX/XX/18 {$1100.00} and {$26.00} fee. When I talked to another lender, XXXX XXXX, about refinancing, they told me that the mortgage company pays the tax. I contacted the assessor twice and he said that the mortgage company has to refund. I called my original broker ; who said I had to call XXXX. XXXX at XXXX said that I have to go to the assessor and get a hand written receipt. I told him that I paid with credit card. He said he can't help. I said that they will be reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting 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:
There were multiple and duplicate inquires on my TransUnion report. Ive called and was told to mail in my ftc report and police report regarding the inquires as well as the fraudulent account by XXXX XXXX  via certified mail.

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 2023-09-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX Easy acceptance a critical issue concerning my recent experience with the auto loan and gap insurance coverage arranged through your dealership. 

, I purchased a vehicle from establishment and, as part of the financing arrangement, opted for gap insurance coverage. Subsequently, I encountered an unfortunate total loss incident with the vehicle. At this juncture, the role of the gap insurance policy came into play to bridge the financial gap between the outstanding auto loan balance and the actual value of the vehicle. 

I dutifully adhered to all prescribed procedures and document submissions with timeliness, culminating in the successful resolution of the auto loan through the utilization of the gap insurance coverage. I received official confirmation that the auto loan had been entirely satisfied, and it was considered closed. At that juncture, I reasonably believed that my financial obligations to your dealership had been comprehensively fulfilled. 

Regrettably, I have subsequently received communications indicating an outstanding debt amounting to several XXXX dollars purportedly owed to your dealership. This development has had a significantly adverse impact on my credit score, which is deeply disconcerting. My commitment to abiding by the stipulated terms and conditions of our agreement remains unwavering. 

I earnestly request a thorough review of your internal records with the aim of rectifying this matter forthwith. It is of paramount importance that my credit standing is not unjustifiably tarnished due to erroneous reporting by the dealership. I have attached documentary evidence, encompassing proof of my existing gap insurance coverage and comprehensive confirmation records pertaining to the loan settlement, for your reference. 

I anticipate a swift response and resolution to this issue, given its significant implications. I extend my appreciation for your prompt attention to this matter. It is crucial to acknowledge that, should this matter persist unresolved, I may be left with no alternative but to contemplate legal recourse to safeguard my rights and financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of Equifax. Data breach and inaccurate information needs to be removed. And the following account. 

Per attached screen shot I did not reside here at the time of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-26
Company: E Mortgage Capital, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
FRAUD, FRAUD, FRAUD I am the property owner of XXXX XXXX XXXX XXXX. XXXX, TX. XXXX. The home was rented to XXXX and XXXX XXXX in XXXX. In XXXX we completed a warranty deed transfer so the XXXX 's could purchase the home on XX/XX/XXXX. They were unable to obtain a mortgage so I verbally extended the agreement to XX/XX/XXXX in which they were again, unable to obtain lending. I hired an attorney to draft a Deed in Lieu document to have the deed transferred back into our name. The XXXX were asked to sign and return the documents on XX/XX/XXXX with an anticipated move out date of XX/XX/XXXX. Since XX/XX/XXXX the XXXX have been unresponsive. On XX/XX/XXXX a notice to vacate was sent via certified mail to the home. On XX/XX/XXXX I receive a payoff request from XXXX XXXX. On XX/XX/XXXX I receive an email from XXXX XXXX stating they are attempting to obtain lending on the home and expect to be funded by XX/XX/XXXX. XXXX. Upon review of the document I notice strange issues and begin contacting entities and parties denoted on the loan documents. I find that no one listed on the document is aware of the loan origination. I personally spoke to the loan officer XXXX XXXX and sent an email but was informed that his email is not XXXX XXXX XXXX Instead, the email belonged to his son XXXX XXXX. I will be filing an eviction on Monday XX/XX/XXXX and am very concerned there's fraudulent activity occurring. I've notified all parties involved and am not sure what the next step is to protect my family and assets. 

Not attached, but I do have proof of above information if required. 

Attached is the loan paperwork received from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
To Whom it may concern. I am submitting this complaint on my own there is no third party involved. I checked my credit report and i saw i had some fraudulent items on my report. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S.C. 1681c-2. Please see attached FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from XXXX XXXX XXXX that says I owe a debt of {$4700.00}. 

I do not owe this. 

The notice says its from XXXX XXXX Bank ... I never had an account with XXXX XXXX Bank ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX XXXX ( Sunday ) around XXXX I deposited {$6900.00} in XXXX dollar bills to the ATM located in XXXX TX at the corner of XXXX XXXX and XXXX XXXX  The ATM was making a funny noise and instead of giving me a receipt, it gave me a ticket that stated the transaction could not be completed and to call the XXXX number on the printed ticket to report this. The ATM screen turned Red and said it was not working. I waited at the ATM and in the parking lot while I called the number on the ticket to report what occurred. I also checked my online banking and the money was not in my account. I told the claims person what happened and they told me they had to conduct an investigation. This investigation would be completed no longer than 14 days. On Tuesday, 2 days later, the amount of {$6900.00} was put into my account. This made me believe that the issue was cleared up and that was it. 

Fast forward to this. XX/XX/XXXX morning when I check my Chase online banking to see my account is overdrawn by a little over {$5000.00}. I call the claims department who say theres nothing they can do. I drive to the bank where this occurred and sat with the bank manager, XXXX XXXX, for an hour while he spoke on the phone. Apparently all avenues of resolve are completed. 

What I was told : Chase found {$1600.00} dollars extra in the ATM so they credited my account that amount making it where I owe Chase {$5200.00}. Then after the {$170.00} I had in the account its slightly over {$5000.00} that I allegedly owe Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Camelot Financial Services, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I applied for a payday loan a while back. I am receiving threats about a warrant for my arrest. Ive told these people I can not afford to make the payment amount the company is asking for. The company is Ace loan online. I can not afford to make payments because I live paycheck to paycheck. I even asked to set up a payment plan of XXXX dollars until the full amount of the dept is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello. I am submitting this complaint because the credit bureaus have not wanted to help me. I am a victim of Identity Theft and someone has my information, and they are applying for credit accounts without my knowledge. I placed a fraud alert on my report and spoke to the credit bureaus. 

XXXX : Information Research I - XX/XX/XXXX XXXX : XXXX XXXX XXXX - XX/XX/XXXX Transunion : XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I have spoken to the bureaus on multiple different occasions and they have not been able to help me out in any way. I have even spoken to a supervisor and they will not help me. I am not sure why but i have done everything in my power to get this issue resolved. I am unable to apply for any loan or any credit because i am too scared of someone using my identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/23 I received my consumer report and seen many inaccuracies. Lets start with the spelling go my name and to update to my current address. See Attachment for proof I asked the credit reporting agencies to update my personal info.

Company response to consumer: In progress