BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Friday XX/XX/2021, I listed an item for sale via XXXX on XXXX app. On Saturday morning, XX/XX/2021, I was contacted by a person, who I figured out later it is a stolen account. 
The unknown guy, who was using this account, contacted me regarding my list. 
When I asked him about the payment method, he asked me to download XXXX XXXX to receive my money, which Ive never used it before. To set up an account on the app, you have to enter a bank information, which I did by using my TDbank account. On XX/XX/2021, Ive received a text message says there is {$300.00} transferred to XXXX XXXX. First, I thought it is a spam. On XX/XX/2021, I received another alert from my XXXX bank, which is the main account Im using that there are XXXX not authorized action was done earlier morning for {$77.00}. I responded back to XXXX that I didnt do these transactions. These transactions happened outside USA. 
There was a hack happened on XXXX XXXX after I downloaded it. The real person information is : XXXX XXXX XXXX because there was {$300.00} posted under this account. 
XXXX hacked the XXXX account and used it to communicate with me. 
XXXX started to hack all my credits accounts, where XXXX is a very secured account and my cellphone. Ive opened an identity theft report @ XXXX XXXX Police Department, case number XXXX. My identity theft from FEDRAL TRADE COMMISION is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020 I went to Bank of America located at XXXX XXXX XXXX XXXX XXXX nj, I went to the atm to make a deposit of {$4500.00} I put all the money in the atm, atm gave me a error and gives me back only {$800.00} which I go ahead again and try to deposit. I look at my account before leaving the bank and see I was only credit the {$800.00}. I call the bank customer services and file a dispute to get my money and get this issue correct. They gave me a temporary credit of {$3700.00} which was the missing amount of cash onto they investigated. On XX/XX/2020 they went to my account and remove {$3400.00} and stated they only found {$210.00} of the {$3700.00} that was missing and since then I been calling them trying to resolve this issue and find my money and nothing has been done. They stated that on the camera they really cant see the dominacin so basically I have to lose my {$3700.00} because a atm machine error. I also send proof of where my {$4500.00} was coming from and also submitted a letter explaining in detail what happen and nothing was done.

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: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't know if I ever took this loan out. I haven't been getting credit for my payments. XXXX XXXX sued me in Texas, i live in New York, and garnished my wages prior to the judge giving them permission to per the court paper work i have. Now XXXX XXXX is called XXXX. I am not getting credit for the payments I'm making them. NSLDS is not being updated with the payments I'm making them and they sent me proof they are reporting the payments to nslds. I want proof this loan was taken out by me, something with my signature saying that I took this loan out and it went towards my college education. Otherwise it could be an internet crime, fraud or identity theft, etc. I have police reports on file. On my credit report it states i have not been paying the loan & its in defeat and that's not true. I've submitted disputes with all 4 credit reporting agency 's.

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 2020-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My initial complaint is XXXX. 
Bank of America has refused to subordinate its 2nd mortgage on my home until I pay to decrease the loan amount on my new 1st mortgage by {$2200.00}. The loan amount on my pending refinance is {$350000.00} and they are refusing to subordinate unless the loan amount is decreased to {$340000.00}. This information was received from XXXX XXXX at BofA. BofA 's subordination reference number is XXXX. 
- This is a rate and term refinance. My wife and I are lowing the interest rate and shortening the term of our mortgage. We did not increase the monthly payment amount nor did we take out any money from the equity of our home. 
- The appraised value of our home as of XX/XX/XXXX, when a full residential appraisal was completed, is {$600000.00}. So when you add the new 1st mortgage of {$350000.00} and the existing 2nd of  {$80000.00} you get {$430000.00} which is a 70 % loan to value ratio. 
When BofA completed the 2nd mortgage in XXXX the appraisal was {$540000.00}. The outstanding balance on 1st was {$340000.00} and the 2nd was for {$80000.00}. for a total of {$420000.00} which is a 78 % loan to value ratio. So our loan to value ratio decreased by 8 % - Our income increased over the past year. 
- Our credit scores remained the same as they were in XXXX. ( mid XXXX 's ) - Our outstanding debt decreased since XXXX. 
Bank of America has no reason or right to dictate what the loan amount should be on our refinance. BofA has given us no choice but to include the outstanding balance of the second loan in with refinance. This has derailed our financial plans.

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 2021-08-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In checking my credit report recently, I noticed a charge on my Synchrony Bank account. A {$1200.00} interest charge was applied to my account XX/XX/21. I have not used the account since purchasing furniture two years ago ( Ashley Furniture ). I have never missed a payment. If Ive connected the dots correctly, there must have been a clause in the contract I signed stating there was a promotional expiration date. Apparently the promotional period expired and accrued interest was charge. I have two issues with this and maybe Im just out of luck ; please help if youre able to. 
First, the contract I signed was very long and contained mostly legal jargon I did not understand. Like most people, I did not read in its entirety. Im a college graduate with a credit score hovering just above XXXX for most of my adult life. Im very responsible with money and have never been in this situation before. I just dont think it should be necessary to bring a lawyer, who specialized in contracts, when buying furniture. Obviously, I would have paid cash for the furniture if I knew this would happen ; the 0 % finance was just attractive. Im guessing many people find themselves in my situation, which in my opinion is a result of deceptive practices. The salesperson told me as long as I made every payment on time, I would never be charged interest. Im embarrassed to say I never read any of the statements, which clearly show the promotional period end date, until today ( XX/XX/21 ). Regardless of the current situation, I think a case could be made Ashley Furniture and Synchrony Bank are engaging in deceptive credit card practices. Especially if others experience the same misleading tactics. 
My second problem with this situation is the lack of communication. I tried all day yesterday ( XX/XX/21 ) to contact Synchrony. I tried by phone ( 4 separate numbers ), via chat ( only a virtual assistant is available ), and by social media ( XXXX and XXXX XXXXXXXX ). Out of 11 calls, I managed to get a human on the phone one time. As soon as I told her I wanted to know about a charge on my account, she disconnected the call. I did not know at the time what the charge was for. In summary, Im trying to communicate with the company, but they are totally and completely unavailable. In fact, one of the phone numbers provided to me was ONLY advertisements for other unrelated credit products ; getting a person on the phone was in no way an option. 
I called XXXX, XXXX, XXXX, and XXXX ( from XXXX credit report ). 
Thank you for any assistance you can provide. 
Sincerely, 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 monetary relief
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: IL
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 account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have XXXX collection accounts listed on my credit report that I never received information regarding the debt, I have contacted all XXXX credit bureaus and was not sent the proper information to verify the debt. 

Transworld {$96.00} medical debt Trans world {$2000.00} medical debt XXXX XXXX {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Experian Information Solutions Inc.
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:
I have asked Experian numerous times to provide how they validated the alleged debt. I have asked Experian to provide me the original contract with my wet signature on it and how they verified this alleged debt. 

I as the ORIGINAL CREDITOR DO NOT VAILD THIS DEBT AND I DEMAN THIS IS REMOVED FROM MY CREDIT REPORT. 

EXPERIAN ARE VIOLATING MY RIGHTS BY NOT PROVIDING ME THIS INFORMATION. 


THIS IS XXXX XXXX XXXX YOU HAVE MY AUTHORIZATION TO INVESTIGATE CFPB, CAN YOU LOOK INTO THIS? 
I WILL ALSO REACH OUT TO THE FTC AND 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 2019-09-17
Company: Experian Information Solutions 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-05-11
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account was fraudulently opened with XXXX  by an identity thief and the debt was turned over to Ad Astra debt collection services and the collection agency will not remove the account from my credit report despite me filing a police report, providing the name of the assailant and signing an affidavit that the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have expressed this situation to my attorney and TransUnion is violating the FCRA laws pertaining to bankruptcy. All of the " account statuses '' should state " CLOSED ''. The account statuses says derogatory. I have contacted XXXX XXXX XXXX and they will be representing me on this dispute. I have requested numerous times to put the correct information on my credit report and they refuse too. This is the final attempt before involving the courts. Most of the accounts were opened due to fraud and the companies refuse to send the documentation I requested. TransUnion, XXXX, and XXXX  are all violating the FCRA Bankruptcy consumer laws. No one should have to endure this and it is utterly ridiculous that these 3rd party companies would rather be sued than to do the correct thing. Law states if the companies do not respond in 30 days the accounts are to be removed. I have repeatedly gotten emails stating 60 days and that is definitely not the laws. Also, my name is not XXXX XXXX nor has it ever been XXXX XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I use the XXXX Credit Card from time to time for promo offers and benefits for over 5 years now with do issues or late payments. However recently I received call my account with delinquent and I have been reported to credit bureau. Obviously this was unbeknownst to be as I had received no communication or notice of any issues beyond a monthly generic email. 

While all other CC i use allow for monthly auto payment, XXXX does NOT. 
Upon calling in I was met with hostile response and accusational tone as I tried to correct the problem. After further digging realized that return was processed causing a small remaining balance ( {$44.00} ) which i then paid immediately. Because XXXX does not allow auto payments or contact customers with notice of late payment this issue was not realized or corrected until after I had been reported to credit bureau. After exhausting every resource with XXXX I am now forced to contact each of the three credit bureau to dispute and missed payment on {$44.00}. They also charged multiple late fees of over {$75.00} during the 60 days until i was notified, which was unfortunately to late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: CITIBANK, N.A.
State: VA
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: Problem with personal statement of dispute

Complaint:
I recently filed a complaint against Bloomingdales dsnb regarding payment false representations in their reporting to credit bureaus.

In statements provided to CFPB, Bloomingdales used an old address from XXXX for XXXX -XXXX  billing statement. Even though Bloomingdales was aware and had my mailing address. I recently received mail from Bloomingdales regarding this debt in XXXX at my mailing address. 
After filing my complaint, Bloomingdales intentionally misrepresented and fraudulently updated the payment status on my credit report on XX/XX/XXXX to reflect bad debt, placed for collection & SKIP. 
Thereby falsely misrepresenting that I am missing. Bloomingdales has my address and sent mail to me addressed in XX/XX/XXXX and received XX/XX/XXXX. 
All this in an attempt to suppress my complaint and statements regarding Bloomingdales falsehood and several misrepresentations in my original complaint

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 2021-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received an email saying that my credit score had dropped 45 points which is very odd considering I have always been consistent with payments. I with into the app and it said that an account was open XX/XX/XXXX but I havent opened an account. The account was from Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: Northwood Asset Management Group
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021, a XXXX XXXX called my father-in-law and brother-in-law stating it was an urgent matter to get ahold of me. He then proceed to leave me a voicemail stating he was from Northwood Asset Management Group with a call back number of XXXX and saying he emailed me. I checked my email and their was an encrypted file asking for the last four of my social security, but the email did not disclose why I was being contacted. When I called XXXX XXXX he disclosed my full social security number to me before verifying who I was and never told me that he was calling in attempt to collect a debt. When I inquired about what it was he said that my original creditor was taking me to court for a debt. I asked if documentation was being mailed to me and he got very aggressive telling me that he was trying to help me and I was not listening to him then he hung up on me. I then called the original creditor and asked them who they sold my debt to and they confirmed that XXXX XXXX XXXX is the one who currently has my debt and their phone number is XXXX in the amount of {$2500.00}. I believe that they were phishing for money and I find it very worrisome that they have my information and was willing to disclose all of it. I did report their email to XXXX for phishing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I previously submitted a dispute in XX/XX/2020 with regard to the following Personal Information. I am again requesting that you promptly delete and update addresses that I never resided and may possibly be relatives ' address. 
My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX  XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-01-23
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I started paying Navient. They said after 9 on time payments my tax refund would be released to me to file. I had set up automatic payments and they didn't take 2 in a row so I called and payed. They said it wasn't good enough and with held my refund again. Then I get letters from 3 different companies saying the now own my loans and to make arrangements for a lower fee. They tried to raise my payment by {$150.00} a month while I was filling social security XXXX. My loans continue to soar in finance charges and interest. I'm currently filing bankruptcy because I've been undergoing treatment for a type of XXXX XXXX. I'm not sure where to turn I feel as if I'll never be debt free or on track with my student loans before I XXXX XXXX. The interest on my loans has more then doubled the original loan and there is no hope. I received a letter years ago stating I owed {$0.00} on my student loans when Obama took office so I'm curious what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Global Lending Services LLC
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:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX inquiry XX/XX/2020 XXXX  XXXX XXXX inquiry XX/XX/2020 GLOBAL LENDING SERVI inquiries XX/XX/2020 and XX/XX/2020

Company response to consumer: Closed with explanation