BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Card was charged for something you did not purchase with the card

Complaint:
I experienced fraud from someone pretending to offer me a virtual assistant job. This person tried depositing XXXX XXXX dollar checks into my account. So I called the bank to notify them I was experiencing fraud. To not let this person deposit fake checks into my account. The bank told me everything was fine and it would n't and sure enough two days later my account showed that I overdrafted my credit card account. I called their office trying to figure out what happened and all they did was put me on hold constantly and say that it was n't their department. I have paid the minimum for 3 months now to avoided being ill charged even further. It infuriates me knowing that I am being swindled out of XXXX dollars I do not have.

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 2020-10-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I had written a 609 letter and asked all three Credit Reporting Agencies to show proof of how they validated the debt showing on my credit report as a Chapter XXXX Bankruptcy from XX/XX/2012 reference number XXXX. 


None of the companies have responded. The Bankruptcy is not valid and needs to be removed from my credit 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 explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$220.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TRANSWORLD SYSTEMS INC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, I received a collection letter from XXXX, XXXX,. on behalf of XXXX, for a bill of {$56.00} that I had never seen, threatening legal action if the amount was not paid in full. The letter was dated XX/XX/2021. I hold a XXXX  account and no such bill had ever materialized. After researching other consumers ' experiences with this, it seems such issues with XXXX and XXXX have happened in the past, including action with the CFPB. 

The letter gave me 30 days to dispute ; I payed the amount to stave off the collection agency while I contact and work with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
We have account with the TD Bank for many years and we were always considering ( because of the TD Bank marketing and advertising ) that this bank is one of the big and serious banks in US ( knowing that it is a originally XXXX bank ). So far we didnt have any problem with TD Bank XXXX Until XX/XX/2021. 

On XX/XX/2021 we went in person to TD Bank branch located on XXXX XXXX XXXX XXXX, XXXX, FL XXXX, to request to make an international wire transfer of XXXX Euro from our personal TD Bank account to an escrow account of Spanish Attorney in XXXX ( Bank XXXX ) to complete a purchase of our apartment in XXXX. 

TD Bank charged us a transfer fee of {$50.00}. Other banks are charging much less for international transfers. It is expensive, but lets say that is is reasonable. Then TD Bank asked to pay a fee of {$17.00}, that is supposed a fee that is charging XXXX Bank for receiving a money transfer. Let 's say that is is reasonable as well. In the end it was not true, because the Bank XXXX asked through the XXXX Attorney for much more money after the transaction completed. 

TD Bank charged us {$91000.00} for the money exchange + {$50.00} fee + {$17.00} fee. 

Two days later we decided to consult other two banks where we have a personal accounts with and asked them how much would cost us to do the same with them, to our big surprise, both banks told us that we would pay around of {$88000.00}. 

We were in shock to realize that TD Bank stolen from us close to {$3000.00}. 

TD Bank is publishing online that they have an exchange rates that are on par with other banks and that is not true. How you can charge a customer close to {$3000.00} more that any other American bank without disclosing something like that to the customer? We would never in millions year imagine that TD Bank can do something like that knowing that they are charging crazy high exchange fees in comparison to another US banksXXXX Bank never disclosed that the TD Bank has limited licenses for many activities and is using another American bank to do some transactions. 

We were trying to contact the branch manager. Assistant manager of the branch informed us that the branch manager is not available and that she can not help us anyway. She offered us to refund {$50.00} fee??? She told us that TD Bank used the XXXX  XXXX XXXX XXXX to do our transaction. 

Wire transfer info : Date : XX/XX/2021 Sender reference : XXXX Beneficiary : XXXX XXXX XXXX, XXXX Bank to bank info fields : XXXX Real estate settlement buying an apartment XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX XXXX. And I believe my right as natural person are being taking advantage of by this car company. They have harassed me every day since I fell behind in covid19 pandemic. I've paid portions the best I can ask for help nothing from government agencies. Santander consumer credit is the name of company that's harassing me every day they say I owe XXXX I believe it's less. Please help if possible thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I called BP Visa/Synchrony Bank last evening ( XX/XX/XXXX ) to understand why the annual percentage rate for my account is over 29 % when I have never been delinquent on this account. It was explained to me by the front-line Specialist ( XXXX ) and then a Supervisor ( XXXX ) that this rate is the general APR for all customers. I shared that this was not the terms when the account was transferred from the previous issuing bank - it was 12.49 % then ( even though the Specialist told me it was 18.99 % ). Both told me there was nothing that can be done, there is no lower interest rate available unless I need to go on a collections program. I have been paying over $ 300 monthly and barely making a dent in this balance because of the interest rate. On top of that, the balance subject to interest at the 29 % continues to increase even though I don't use the card because they keep adding the accrued monthly interest to that balance. That is unfair, deceptive, and predatory in nature to me. Their response was that they could put me on a list to request a lower APR when/if that becomes available. There is nothing that can be done now. So the consumer is punished for the sale of this portfolio and these are not the terms I agreed to when I opened the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After learning that my social security number may have been compromised in late XXXX, I initiated a security freeze with all three agencies. I have been calling them to find out how I can ensure that the freeze does not lapse. I had NO PROBLEM with XXXX ; they asked what state my freeze was initiated in and said it would expire early next month. They helped me over the phone to terminate the soon-to-expire freeze and immediately initiate a new freeze with a new 7 year time limit. 
Both TransUnion and XXXX said they do not allow security freezes to expire. In each of these cases, I reached an overseas call center in XXXX. Even though I cited the Pennsylvania statute stipulating that security freezes will expire after seven years, they insisted they would not. Assuming the PA statute is in force, my freeze with TransUnion will expire on XXXX XXXX, XXXX, and my freeze with XXXX will expire on XXXX XXXX, XXXX. I am concerned that in spite of their assurances, their system will conform to the law and my freeze will be allowed to expire. I plan on calling again on the expiration date, but expect to hear the same thing.

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 2020-09-25
Company: EQUIFAX, INC.
State: MA
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:
Dear Cfpb / Credit Bureaus/XXXX, Equifax, and XXXX  ; I was going through my credit again this morning and I'm still shocked and amazed that you guys failed to fix and remove those wrong personal information on my credit like the wrong variations of my name, unknown address, wrong name, wrong addresses, unknown accounts, etc. I've sent at least 6-7th different request with supportive documents to show you that you continue to report wrong information but you failed to fix those issue. I'm not sure if you just simply neglecting my request or not getting them.

Those are not my information and it continues to report wrong. Please correct my name to show the attachment. Delete any unknown addresses, other than the one that i gave you, remove the wrong name and the variations of the name, remove any those unknown accounts list. PLEASE FIX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
So the complaint is against Caine and Weiner. I have sent over proof that I don't owe the debt amount of debt that they are trying to collect on. I a m being charged for a apartment that XXXX XXXX had had wrongfully accuse me of leaving a dirty apartment and for 3 months back rent. I have sent over proof that I don't owe the debt and they said that they have sent the information back to the original debtor so as to adjust the debt. Its been a month and I have gotten nowhere. I have worked with the boss a mr. XXXX and he is no help at all. Submitted below is copy of the lease as well as pictures of the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: ALLY FINANCIAL 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:
Vehicle was paid off on XX/XX/XXXX they are reporting loan still active and late for XXXX. I have made four calls and disputed with all three credit agencies. Still showing active and late payment. Today the denied us for a new loan for another vehicle. I have hit road block after road block with this issue. 

Company is Ally auto

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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 : My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days.

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 2022-03-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have submitted disputes through XXXX  and equifax. The loan shows as closed on my XXXX  report and it was paid off in XXXX of 2021. On my Equifax report the loan is still open with an unpaid balance. Both are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I submitted written documents stated. I have no knowledge and I have not authorized inquiries on my credit 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 2022-03-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I submitted written documents stated. I have no knowledge and I have not authorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Experian Information Solutions Inc.
State: IN
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: Investigation took more than 30 days

Complaint:
I FILED CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX, CASE NO. XXXX AND XXXX FILED TO ADHERE TO COLLECTING ON SAID DEBT, AND KEEPS REPORTING INACCURATE DATA TO ALL BUREUS AND STILL IN NOT REPORTING TO 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 2017-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, Bank of America is my mortgage lender for my home. They notified me that an escrow collection will be increased almost by $ 150 monthly since they received two different property insurance policies. One of them is not my policy. A mortgage representative at Bank of America told that I have to contact XXXX insurance company and request them to report that it is not my policy. I contact XXXX and the representative informed me that they can not give any information for the policy because I am not a policy holder, so, the lender has to contact them. Ever, the policy which was sent to my escrow account is a commercial policy which a private homeowner like me is not covered, but, Bank of America did not attempt to verify it with me or the insurance company when they recieve it. This issues was not resolved, yet, and it seems no one wanted to responsible. I am also concerned that Bank of America does not cautiously process a sensitive information with a private financial 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 non-monetary relief
Consumer complaint received 2022-03-08
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened a paypal account but system dont let me use it because say Im a risk and then block and limit my account, I sent all the documents that PayPal system needs to verify my identity and open my account but they were unable to activate or remove the limitation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXX XXXX XXXX : {$2400.00} CXXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX MISSOURI ) XXXX Balance : {$270.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$970.00} CON XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$4400.00} SXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX AXXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX AXXXX XXXXI XX/XX/XXXX OXXXX XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXL 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 non-monetary relief
Consumer complaint received 2017-11-06
Company: McCarthy, Burgess & Wolff, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I mailed a certified letter to XXXX XXXX starting XXXX/XXXX/XXXX with the following information : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay you. The debt was stated to belong to MCCarthy, Burgess & Wolff. I sent another letter requesting validation of the debt and received nothing that provided valid proof that the debt was mine. The debt amount is said to be {$2700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: SUNTRUST BANKS, 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:
In or around XXXX my Identity was stolen and used to open several auto loans and credit cards without my consent. I would like to have this removed from my credit as soon as possible because I should not be punished for being a victim.

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 2022-10-03
Company: EQUIFAX, INC.
State: FL
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:
Good morning! In accordance with the Fair Credit Reporting Act # XXXX Account Name : XXXX ACCOUNT XXXX XXXX has violated my consumer rights. please help 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
This is reporting is not mine please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Support Collectors, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Im trying to pay off my debt but they continue to play games I ask them to send out the information on my debt but they refuse and continue to call me and harass me by so I block there number

Company response to consumer: Closed with explanation