BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: TD BANK US HOLDING COMPANY
State: NJ
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 I notified XXXX through e-mail that my order has not been delivered or signed by me and a refund was due to me. XXXX was able to investigate the package and had returned the package to sender with tracking number XXXX. The package was delivered back to sender on XX/XX/23 and was signed by XXXX per FedEx signature confirmation. 

On XXXX XXXX XXXX sent an automated e-mail regarding the return policy but never addressed my concern regarding the delivery XXXX XXXX I notified XXXX that I had not received a refund and was told I have to sort the chargeback out with my bank. 

I never received the package and XXXX has confirmed the package was returned to sender. The merchant has to settle the dispute with XXXX as I have never received the package. 

I have filed a dispute with my bank TD three times already and the chargeback has been reversed each time. 

I have also filed a complaint with the XXXX which they said the merchant stopped replying and has not issued a refund either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX  - account number XXXX. ( Please see page 6 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 3 ) bureaus to fix this issue but I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: DISCOVER BANK
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Discover collection unit keeps on calling me after I have told them repeatedly to take me off the calling list. I have nothing to do with the debt that is owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
Hi, I have car loan with Fifth third bank. My account number is XXXX. My XXXX is XXXX. My address is XXXX XXXX XXXX XXXX CA XXXX I have auto payment with this bank and I keep money in my account for car payment but they didnt charged payment from my account and posted late payment on my credit report its hurts my credit score so badly. I didnt notice earlier because I was being busy in my wedding I was married in XX/XX/XXXX. And now Im planning to extend my business but because of my credit score Im not able to do nothing. I have trucking business and because of Fifth Third bank they messed up everything. If I will not get my credit score back I have to wait until year to be a good credit. I send them email They didnt replied me and then I call them and explain what they did and they said they cant able to do nothing and I dont have a auto payment. If you want you guys check my credit history I never had any late payment. Please help me to fix my credit. I will very thankful of you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: Perfection Collection
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I approved of an XXXX security system installation at XXXX XXXX XXXX XXXX XXXX. I never received any bills for this account ( XXXX ) but decided to mail payments beginning in XX/XX/XXXX ( see attached ). These checks were endorsed by XXXX but never applied to my account thus it appeared as if I had an unpaid balance. In XX/XX/XXXX I received a notice from XXXX ( see attached ) that my account would be interrupted/cancelled on XX/XX/XXXX. Even though I mailed another payment in XX/XX/XXXX, this payment also was not applied to my account leading to my account being cancelled on XX/XX/XXXX, and then transferred to collections in XX/XX/XXXX. I made several complaints to attorney generals but there was no resolve on XXXX 's part. I am disputing the XXXX collections on my credit report as my account was actually paid in full as of XX/XX/XXXX but the payments were never applied to my account so I should not be held responsible for XXXX 's error, nor should I continue to be held responsible for Perfection Collection 's invalid collection fee. Lastly, I never received a final statement within 30 days of the service discontinuance. In early XXXX I received a notification regarding the collection and called Perfection Collection and they said the XXXX was a cancellation fee. I contacted them again on XX/XX/XXXX and they are now saying the XXXX is for payment of the account but again XXXX cancelled my account so why should I be responsible to pay for a cancelled account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Last Saturday XX/XX/2019 I did a transactions through the Bank of America ( XXXX ), the amount was {$2500.00} a saved the information from those transaction to check the next business day that was Monday XX/XX/2019.  The amount deposit to my checking account was {$2500.00}, {$3.00} dollars less the information of the transaction print from of the XXXX  app. Today XX/XX/2019 I called Bank of America and spoke with the supervisor XXXX Id number XXXX, at begin of the conversation she advice me that the conversation will be recorded, and the end of conversation after she try to trick me with a lot explanation that doesn't match the numbers. The Bank of America use to deposit my transaction and next day apply the fee on the amount of the transaction. This time Bank of America deposited a wrong amount and apply the fees. I feel robbed. I have the Bank Statement, the transaction and the recorded.

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 2023-01-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
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: Account information incorrect

Complaint:
XXXX XXXX fraudulently pulled my Transunion credit report on XX/XX/18, and opened a fraudulent account in my name. After months of disputes with XXXX, and after filing a police report, they agreed to remove the account AND HARD INQUIRY from my Transunion credit report. The account finally was removed, but the hard inquiry remained. I have called to dispute with Transunion and was told they have not received a directive from XXXX to remove the inquiry. I spoke with XXXX and they told me they had, in fact, requested the removal of the inquiry from Transunion, and for good measure, sent another directive for them to remove the inquiry on XX/XX/2018, but Transunion is still reporting this fraudulent hard inquiry on my credit report and their customer service is of no help to me in this situation.

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 2019-02-22
Company: Perfection Collection
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recieved a collection letter from perfection collection for the amount of {$3900.00}. I called the agency and explained that the debt was not mine. I made a police report, and disputed the claims with the credit bureau and had no success in rectifying the case. The debt is for a security system installed on a residence in XXXX. I don't know of anyone in XXXX. I live in XXXX XXXX, I have exhausted every option to rectify the situation, I even called XXXX and opened an account with the expectation of resolving this problem. The only other option that I have is to contact a lawyer, but u dont have the money for that. Please if you can assist me with this problem I will greatly appreciate it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018, I was notified by my homeowners insurance company, XXXX XXXX, that my mortgage servicer, Roundpoint Mortgage, had not paid my homeowners insurance premium the year from my escrow account, and that my homeowners policy would lapse and cancel on XX/XX/2018 if not paid. 

I contacted Roundpoint on XX/XX/XXXX, and after attempting to find my account, initiated an immediate wire for the premium amount to XXXX XXXX. 

On XX/XX/XXXX, I received a letter from Roundpoint Mortgage that my insurance premium had been paid and the payment was confirmed. 

On XX/XX/XXXX, XXXX XXXX calls again to inform me that they still have not received payment from Roundpoint. 

Also on XX/XX/XXXX, I contacted Roundpoint to determine where the error was in the payment. After repeated calls over the next 48 hours, Roundpoint has been unable to verify who they sent the wired money to or if it was actually received. They are unable to transfer me to anyone knowledgeable of the escrow process or to the person who performed the wire transfer or has access to the level of information needed to provide confirmation. 

I am now 24 hours away from having my homeowners insurance lapse and cancel, and Roundpoint has yet to call me back, find resolution, or cooperate with both my and XXXX XXXX 's requests for documentation.

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 2020-05-26
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible. XXXX XXXX {$12000.00} XXXX XXXXXXXX {$1400.00} XXXX XXXXXXXX {$10000.00} XXXX XXXXXXXX {$470.00}

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 2020-05-26
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible. XXXX  XXXX {$12000.00} XXXX XXXXXXXX {$1400.00} XXXX XXXXXXXX {$10000.00} XXXX XXXXXXXX {$470.00}

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 2023-03-23
Company: EAST WEST BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My account was closed on the XXXX XX/XX/2023 Due to recent account activity, East West Bank has made the decision to close my account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Security Credit Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/XXXX, I called Security Credit Services to find out about a debt in my name in the amount of {$2100.00}. After not being able to find me using my social security number they used the lookup by name. I was then told that the last four of the soc on file was incorrect which proved my point that the debt was not mine. I was then transferred to another company called XXXX XXXX and they also could not find me under my correct soc but could find me under the incorrect one. They said they would initiate a fraud investigation which I have yet to hear anything about. I also filed a dispute with XXXX and XXXX and found out from equifax that the debt was validated but they could not give me the information that was used to validate the debt. This is not my debt and was a online purchase done during a pandemic that can't be validated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified hard inquires accounts : US SM BUSINESS ADMINISTRATION ODA XXXX XXXX XXXX XXXX XXXX XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ga XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, Va XXXX I will list the correct spelling of my name there are multiple name spellings as well those also need to be removed and are not accurate.

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 2021-04-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX at the start of COVID-19 my mortgage company allowed me to go into deferring my payments because of COVID-19 this XXXX my wife resumed working we were able to start making our mortgage payments again. we filled out paperwork to find out what would happen to our Missed mortgage payments they said there was nothing they could do and we would either have to pay up all the missed mortgage payments or they were going to foreclosure On our house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: TRINITY HOPE ASSOCIATES
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX recently reported a medical collection for {$530.00} on my credit report. Prior to this account showing up on my credit report, I did not receive a notice of my right to dispute. This is a direct violation of my rights under the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Aargon Agency, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

AARGON COLLECTION AGENCY ACCONT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 explanation
Consumer complaint received 2018-04-06
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted my loans for the Public Student Loan Forgiveness ( PSLF ) program and my loans were transferred from XXXX to XXXX XXXX. In doing this, I submitted forms that verified my eligible employment for PSLF and received confirmation that I was working from an eligible employer for three different time periods ( I transferred within the same organization which required three different employer verification forms submitted ) I submitted the employer verification originally in XX/XX/2017. I checked my account a couple months later and saw that XXXX had only processed one of the forms despite submitting three different forms. I informed them of this and they had to conduct a manual review to resolve this process. I received confirmation of these and I waited for my number of qualifying payments to update to show my progress towards PSLF. I waited a couple months before I called and they told me I had to manually initiate XXXX to contact XXXX to verify the payment plans I was on to ensure their eligibility. I thought this would happen automatically but it did not. 

XXXX has not yet verified with Navient that I was on the correct payment plan and my status on my loans is that I still have 0 qualifying payments towards PSLF. I have repeatedly called back and been told that this process takes longer each time, first 10 business days, then 30 days, then 60-90 days,  then 6 months. I call back at each of those intervals and am now at the 6 month mark and there has still been no progress. I want to know why this is taking so long as there are many years of eligible payments that I have not yet been credited for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: EQUIFAX, 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:
all not mine fcra violations : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX   XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX Account XXXX The information you disputed h

Company response to consumer: Closed with explanation