BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
Company: TD BANK US HOLDING COMPANY
State: FL
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:
I filed a complaint with TD Bank about Gas merchants charging my card differential amounts of {$100.00} that I did not spend at merchants. I use my card at the pump when I pay for gas and choose credit. Normally they do not hold fees when I use my debit card as a credit at the pump. The transaction shows as {$1.00} and a few days later the actual amount is taken out. I called TD and reported the post-paid {$100.00} charges as inaccurate. My car doesn't take {$100.00} to fill up, it takes about $ XXXX to fill. I received a letter today in the mail that based on their investigation, I have to dispute it with the merchant myself. And the provisional credit that was applied to my account up to {$200.00} will be reversed. This is extremely upsetting and this is not the first time this bank has claimed that no error has occurred during a transaction that I didn't agree to or paid on. I had an overcharged on a restaurant and they disputed that I will have to deal with the merchant myself. They are not doing their investigations correctly. I do not have a receipt to challenge the charges myself, nor do I have my old debit card number to do so as well. TD has been trying my patience all year and it's time for the government to look into this. For every claim, I filed they send a correspondence that I have to do the investigation on my own and they are reversing the credit. I pay enough fees on my account to not get the full respect I deserve. 

I have the transaction pictures attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new checking account at the XXXX XXXX XXXX of Chase in XXXX, KY on XXXX XXXX for {$12000.00}. As of XX/XX/2021, none of my funds are available and the Chase representative said I didn't have any deposits pending. As of XX/XX/2021, it has been 11 business days since I deposited the check for {$12000.00}. I have a receipt for the deposit. I spoke with a representative of the bank over the phone ad she said I had {$0.00} available and if I was unhappy with being a Chase customer, I was free to clo se my account at any time, but I would't receive any funds because I had an account balance of XXXX. I want to close my account but not if it means the loss of my {$12000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent multiple letters to the creditor to verify that the account was owed by me but I never received verification from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: USI Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received an email from USI Solutions , Inc demanding payment for a loan. After them that this was paid off, I received two emails dated XX/XX/XXXX from USI Solutions stating that the account was closed. On XX/XX/XXXX I received a phone call from a collection agency and because I wasn't sure if they were inquiring about the sane account, I called USI who proceeded to tell me that the file wasn't closed and that they were going to reopen it. I asked them to give me 24 hours to get home and research my records and that I would call them the next day. On XX/XX/XXXX I called USI back and agreed to a settlement of {$500.00} post dated to XX/XX/XXXX which would allow me more time to prove this was paid. 
I called USI today, XX/XX/XXXX at XXXX CT to let them know not to process that {$500.00} payment which was due on XX/XX/XXXX and I wanted to request A Verification of Debt letter. The operator said that she could not process my request and that she would have an account manager call me back within a few minutes and he/she would discuss the matter with me. I never got a call from USI so at XXXX I called them back and spoke with another operator who congratulated me on making my payment and asked if I was calling to get my paid in full letter. I informed him that the ACH payment arrangement was for this coming Friday XX/XX/XXXX to which he responded that the payment was made today Tuesday XX/XX/XXXX. I then told him that I called earlier to stop the payment and was promised a call back and during that time his company went ahead and processed the payment. He told me that I would have to go to a website to request a refund along with proof of payment ( which I was able to find on old laptop ), to which I asked for either a manager or supervisor which he told me to call back tomorrow and ask for. I then asked for his information and he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/20 I noticed to fraudulent accounts on my credit reports. XX/XX/20 I filed an FTC Identity Theft Report with the credit bureaus. As of this writing Experian, XXXX  & XXXX are still reporting the fraudulent accounts.

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 2019-06-15
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The only time I knew Renton Collections had a debt out for me is when I seen it on my report. I was never contacted by them. I called the original creditor XXXX XXXX XXXX almost 2 years ago to find out this was a ER trip my daughter had. This trip was covered by her then and now XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I was charged and billed by mistake and shouldnt have been and it was admitted by them at XXXX XXXX XXXX. They stated that it was put in their system a while ago to remove it from my credit report but I told her then it was still there. Now today it has yet to be removed as well. It is bringing down my credit score tremendously.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my account with Citibank back in XX/XX/2018 under the promotion bonus of depositing {$15000.00} ( within first 30 days ) and maintaining it for 90 days to earn {$400.00}. I had completed the deposit as soon as I was able to access my account online, and the money is still in the account from XXXX through end of XXXX now. I have for more than 60 days for them to deposit my bonus. My last complaint was filed on XX/XX/2018 with reference number XXXX. I prefer to be contacted via email, I was told they would resolve the issue with 24-48 hrs and the promotion team is working on it. I checked again on XX/XX/XXXX via online chat and was told I should hear back in 24-28 hrs. I contacted them today via online chat and the rep said they have until XX/XX/2018 to respond ( not resolve ) to the query. This is the first time I am being told about it. Upon further questioning, I was told to contact Central Dispute unit. 
When I did that via phone, I was told they are working on it. I told them this is not a fraud issue, it is a simple straight forward question of whether I have met the requirements and when they will deposit my bonus. The rep did not answer it. When I pressed further how long it would take " and do I have to wait a decade for an answer to the query '' she said the 24-48 hr timeline is incorrect, she does not know why I was told that and that they can take up to 45-60 days just to respond to the query ( not resolve ). 

I feel they are not honoring their terms. And skirting the rules. Please help me get this resolved.

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 2018-10-25
Company: Carter-Young, Inc.
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: Reporting company used your report improperly

Complaint:
My HIPPA laws have been violated my information has been released to a third party. They are in violation of the Fair Credit Reporting Act twice over. First by the original alleged creditor giving my information to a third part debt collector and secondly by submitting the Medical debt to the credit bureau. I would like to see a validation of Debt and HIPAA authorization because I didn't authorize my information to be shared nor did I receive any information by mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report.

As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.

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 2018-10-25
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
So on the early morning of XX/XX/18, i was awake whena depost came through that I had been waiting for that i really thought would show up at another bank. I immediately transferred the money to another account so that i could withdraw the cash Wednesday morning at the branch. I went into the branch on XX/XX/18 ; Wednesday and withdrew XXXX from this other account. While at the branch, i was never told that my account was overdrawn and when looking at the app i never saw a pending transaction, or a scheduled transaction. On the morning on XX/XX/18 i woke up to my account being overdrawn by XXXX and some change. I called navy to find out what happened and to get them to reverse the payment that was made to a checking line of credit. I was told that i set up an automatic transfer, which i never did, and that the payment would not be reversed. I spoke to at least 3 representatives that did not really know how to handle the call and then i was transferred to a manager who insisted on talking over me and saying that the only one who took money out of the account was me and not navy. Why would i be allowed to transfer, and withdraw money that is not available for me to do so, especially if the line of credit is frozen and would not cover any negative activity on it. This should have never happened. I would also like a time stamp of all transactions which i was told was not available. At the end of my conversation with the manager i did have a little bit of an attitude, but i was cordial and polite and told him all my info was up to date with the bank. O hung up not satisfied and the banker telling me that instead of owing money to line of credit i now owe the exact ammount to brong my account balance back down to XXXX. I would like them to show me that i have a signed contact ; which is a meeting of the minds with 2 signatres show navy took from their profits and that navy has been harmed in anyway. They have not, but i have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: ONY GLO, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I went to OGI Mortgage Bankers to help me with an equity line of credit against my property so that I could pay off current good credit cards and prepare to invest in about 6-8 months. XXXX XXXX, the Loan Manager agreed to work with me, but he failed to provide an ethical process and my credit profile was damaged. 

The list of issues outlined below is taken from an email that I sent to the attorney of OGI Mortgage Bankers/Ony Glo, Inc. 


1. My credit score was NOT an issue when I approached XXXX of OGI Mortgage Bankers, for the Equity Line of Credit request. I approached XXXX for an Equity Line of Credit because I was looking to invest in property within the next 8 months. I wanted to pay off my current debt to raise my credit profile so that I could invest. 
2. XXXX began the process to re-finance my property because he said it was a quicker and surer way to resolve debt and raise my credit profile to expedite investment opportunities. 
3. My credit and/or score was NOT mentioned as a problem to secure the re-finance. My outstanding student loans was mentioned as a factor. 
4. When XXXX failed, to his own written admission, to provide what he promised, I requested him to cease ALL loan processing. 
5. I secured an Equity Line of credit loan ( as initially requested ) within 3 weeks by XXXX XXXX XXXX. 
6. XXXX was negligent, unprofessional, and dishonest. This has negatively impacted my credit. I am requesting OGI to make this right!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Refinanced this loan with a local bank. This local bank sent the payoff the Lightstream overnight. There is XXXX  tracking information to prove the payoff arrived at the correct location and signed for by an employee. Lightstream admitted to the address being correct, but said they could not find the package. They lost the payoff. Lightsream took additional payments out of my account 3 days later and then again the next month. The local bank cancelled the first payoff check and again overnighted a new payoff check to the same address and their expense. This payoff was received and the loan was paid off. However, Lightstream is unwilling to credit me back interest from the time they received the original payoff ( which they lost ) to the time they received the next payoff. Some excuses from them have been as follows : the package was too heavy and there is no way of proving a payoff check was actually in the first package ( the one they lost ). How do they know the package was too heavy? They can't even find the package! We have made several phone calls to them and they will not talk to us about the issue since the bank is the one who sent the payoff. So, since they will not give us information on our account with them, the bank has made approximately 10 phone calls to plead our case. Only one time has the bank received a phone call back. The bank has asked twice for a refund of interest from the time period between checks. Both requests have been denied again with reasoning being there is no way of proving a payoff check was in the first envelope they lost. I do not believe it fair for a lending institution to lose a payoff and then continue to charge interest on my account. This seems like a very bad practice. A bank would not pay to overnight a package with nothing in it!

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 2020-11-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to ensure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. 

I opened a dispute with Experian, and my e-OSCOR codes ( or reasons for dispute keep getting changed or modified ) Experian reported back a change to Report Number : XXXX ( XXXX XXXX ) the report shows two ( 30 days ) late payment in XXXX and XX/XX/XXXX. 
There are only 28 days or 29 days in XXXX. When requested the pay dates according to XXXX Experian reported payments were made on XX/XX/XXXX, and XX/XX/XXXX, XXXX that is exactly 28 days which is less than 30 days. 

Pointing out the error, Experian 's employee stated if it is one day or 30 days late the company can put the incorrect information on my report. After i corrected the employee, I was immediately hung up on. Today XX/XX/XXXX phone calls was disconnected three times when speaking to Experian.

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 2022-01-08
Company: EQUIFAX, INC.
State: OH
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:
This is my SECOND DISPUTE LETTER and the accounts listed below are still reportinginaccurately on my credit report and it is in violation of The Federal Law. You are requiredunder the FCRA to have a copy of the original creditors documentation on file to verify thatthis information is mine and is correct. I have also submitted an FTC and CFPB You haveNOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information whichcannot be verified or reported inaccurately. The law is noticeably clear as to the Civilliability and the remedy available to me for negligent noncompliance ( Section 617 ) if youfail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matterto enforce my rights under the FCRA I demand the following accounts be verified ordeleted immediately : XXXX XXXX XXXXXXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am currently in a settlement agreement with Rausch Sturm Collection concerning a debt for XXXX XXXX   XXXX aka XXXX. The agreement was dated XX/XX/XXXX from XXXX XXXX, Director of Collections for Rausch Sturm to the Debt Consolidation Agency , XXXX XXXX XXXX XXXX XXXX, I am currently working with, in reference to my debt. The first payment went out on XX/XX/XXXX, per the agreement, and has continued since to this day. The last payment is expected on XX/XX/XXXX. I have been making my payments regularly and have proof. I also have proof of the settlement agreement from XXXX XXXX, Director of Collections to Rausch Sturm dated XX/XX/XXXX outlining the agreement sent to XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, Rausch Sturm XXXX Office filed a lawsuit for judgement against me. The case is expected to go to trial on XX/XX/XXXX. No one at Rausch Sturm wants to talk to me in order to resolve this issue. I am still making payments per the agreed settlement, but they still won't remove the open court case against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: JPMORGAN CHASE & CO.
State: FL
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:
Dear Sir/Madam : I have been in the XXXX Credit Fraud. I have had XXXX credit inquiries by XXXX XXXX XXXX for XXXX. XXXX was on XX/XX/XXXX and XXXX was on XX/XX/XXXX. I  called Chase Bank and they notified the Credit Bureaus and I have personally sent in the letters from Chase Bank. They are still on my report. 

Fortunately, I had another attempt but it does not show as my credit is locked. 

I find this so disheartening as I have worked my entire life for a good credit report and I am now constantly having to worry about these attempts. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief