BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We purchased a refrigerator from XXXX and used XXXX financing on XX/XX/XXXX. The refrigerator came with a bonus set of front door panels that were delivered a few days after the refrigerator arrived. The XXXX delivery employees damaged our refrigerator door frame and the original Tuscan Bronze door panels by using a screwdriver to remove the panels when they should have used XXXX a suction cup tool to properly remove the panels. I noted on the delivery order of the damage to my panels and refrigerator. We have spent 40-50 hours or our time trying to get XXXX to remedy the situation via calls and internet chat ( I have screenshots of the chat and I have call logs from my cell phone provider ). Their call center routed use to a customer service number XXXX, which is no longer in service. After countless calls we disputed the charge with XXXX XXXX on XX/XX/XXXX and payments were halted until the dispute was resolved. TD Bank handled the dispute and they sided with XXXX on XX/XX/XXXX because they supposedly tried to call me for clarification on what was damaged and I did not answer the call. They admittedly stated they never left a voicemail for me to call them back so the call was not returned. At that time payments were to resume even though I still have a damaged refrigerator and no resolution. I re-disputed the charge with XXXX XXXX on XX/XX/XXXX which is still unresolved. XXXX did contact me and asked about the panels XX/XX/XXXX and I told them to come and get the refrigerator or give me new panels and {$500.00} off the balance owed. On XX/XX/XXXX they send an email stating, " with E-Commerce previously is out of the return window. ". So now I am stuck paying for a refrigerator that has been damaged since delivery. I am no longer going to pay for this refrigerator and I am going to wreck my XXXX credit score over principle. I am being financially harmed by XXXX XXXX and TD Bank. Please help. XXXX XXXX - XXXX ( XXXX ) XXXX XXXX Account # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
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: Account status incorrect

Complaint:
XXXX OF XXXX CARD XXXX As well as the XXXX XXXX card if it changed at all it should reflect open It's the same Bank THIS ACCOUNT IS IM USE HEAVILY AND RECENTLY AND HAS NEVER BEEN CLOSED NOR DID I REQUEST IT TO BE. THERE WAS CLEARLY A MISCOMMUNICATION. 

I have reported this account and no one seems to understand what I'm saying. You can't update it anymore there are XXXX changes to be made BUT the only request I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Is it legal for the Credit Bureaus to reflect late pays and charge-offs on debts that were NOT late and were in good standing at the time I filed my Colorado bankruptcy in XX/XX/XXXX ( due to loss of income and unemployment )? My bankruptcy discharged at the XX/XX/XXXX. My debts were all in good current standing at the time I filed bankruptcy. All my debts ARE reflected as " discharged in bankruptcy '' with {$0.00} balances now in my credit reports. However, some of the bureaus are NOW also reflecting XX/XX/XXXX ( possibly earlier ) some " late payments '' and " charge-offs '' on those same debts during the 3 months that the BK was " pending '' prior to discharge from XX/XX/XXXX - XX/XX/XXXX XXXX. Everything I have researched on the internet states that these previous creditors are reporting " false '' late pays since they are reflected as " late '' AFTER my BK was filed. Based on the BK laws, I was to discontinue any payments toward any creditor ( which I was unable to do anyway ) after I filed BK so how can they NOW claim " late pays '' and " charge-offs '' on those debts? I had NO late payments NOR charge-offs on my credit record at the time of my BK was filed. All my payments were current and in good standing at that time of my filing for BK. Why are the credit bureaus reflecting this erroneous designation now on my reports? If this is WRONG, why do I have to spend the time and effort disputing all of this when it is defined in the Fair Credit Reporting laws and the bankruptcy laws? This is like being accused of something I am not guilty of and I have to " prove myself innocent '' and am assumed guilty when I am innocent based on the bankruptcy laws. Do n't the credit bureaus have some way in their software to cross-check this information and notify the credit card companies they are illegally reporting something incorrectly? They can not accuse me of late payments and charge-offed debt AFTER my BK filing date when I was actually current on all my payments at the time I FILED my BK, can they?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
My PayPal account was closed on XX/XX/2022, without a crude reason. I have been using the service for the last two months without an issue, until they permanently limited my account on the stated date. 
The company has caused inconveniences in the plans I had for the week and the pending bills I had. The decision the company took was unfair and unexpected. The account had {$39.00} plus the other pay I was expecting from the website of XXXX XXXX which I've been working for ; from early XXXX, 2022. 
The limitation to my account I think it wasn't a very fair move, despite the fact I confirmed all the documents the company asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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: Personal information incorrect

Complaint:
Hello, I send a letter to the 3 credit bureaus to fix my personal information and it was not fixed. As of today, it still says my name is XXXX XXXX XXXX. My real name is XXXX XXXX and also have an address that currently has nothing to do with me on there. I send them my Social Security Card and other government documents as evidence. 

Sending you the attached file. This letter was sent to all 3 credit bureaus.

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 2015-09-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I have been involved in a mortgage modifications with chase since XXXX since such time. They have advised me to fall behind on my mortgage to get the modification and since I completed the modification chase and signed off on the modification during XX/XX/XXXX with bringing my mortgage up to date they have failed to notify the credi burearues of this.. I have had 4 years of bs from them and want my credit re established without any issues from chase ... ... ..there is so much more. Chase has done to me I need to get rid of them ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My wife and I refinanced our existing loan with XXXX XXXX, XXXX in 2006 to purchase our future home. We supposed to get an adjustable rate mortgage and as such we signed countless papers. After having this loan for a few months we noticed that the amount we owed would n't go down and after numerous phone calls we realized that it was not only adjustable rate but interest only also. Many times we tried to refinance again, ( it was bought by Chase in a few months ), but we did not qualify. After 5 years we were able to refinance the loan and now after paying over {$130000.00} in interest, our mortgage was {$6000.00} more than we started with 5 years ago ( $ XXXX {$6000.00} ). Just now after a friend of ours had a similar case we started working with a lawyer who asked us to get the documents from the XXXX XXXX recording office. All the papers we signed emphasizes that it was interest only and one page where we did not sign on the bottom : Interest only addendum to adjustable rate rider. We did not even have this page in our file and there is our signature on a different page. WE WOULD HAVE NEVER AGRED TO SUCH TERRIBLE LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
after my aunt pulled her credit and it showed that chase was on her credit report and she called them and they told her that my name was on the account as well so I pulled my credit report and chase was on mines to. myself and my aunt have reached out to chase bank usa and asked to remove this debt off my credit report and hers because its not ours. we 've called them several times we 've written to them as well and they still have n't showed us VALIDATION of this account being mine or my aunt. we are having no luck with chase on getting this resolved. we are trying to avoid going to court so if this does n't work we will have no other choice but to file legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2020, my wife and I found a Cabin for ale that we loved. We moved to purchase it and was told that the appraisal that we paid for and Chase selected the appraiser was XXXX while the sale price was XXXX. Chase closing agents told me that the PMI was easy to remove and could be removed once we closed and the loan to value was 80 %. The loan closed and I have been requesting the PMI to be removed since. The current loan is XXXX and the appraised value is XXXX. This is 77 % loan to value. However, even after escalating to the executive office they still maintain that the value was the purchase price and not the value from the appraiser. I asked, if I built a building valued at XXXX on the property and asked your same appraiser to value the updates would you accept the new value of XXXX? They said yes, I requested a new appraisal and they then said they would not accept a new value for this property. It seems that they are refusing to accept any value increases to this property and will not allow us to ever remove the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Debt Recovery Solutions, LLC
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt Solutions said they have a balance of XXXX to collect from me from XXXX. I did not have a balance with them. In -fact I am back with them after two years. I sent all equipment back and had a XXXX balance. XXXX ca n't give me an explanation and The Debt company ca n't either. XXXX keeps telling me to contact the other. Why have n't I heard of this before XX/XX/XXXX? If I did indeed owe money why would XXXX take me back as a customer? I am very frustrated with trying to get to the bottom of this exorbitant bill that no one can explain where it came from. I do not have any bills because I did not have a debt. XXXX will not send me anything to substantiate this. I have been rebuilding my credit since XX/XX/XXXX when my cards were stolen ( XXXX ), and misused ( not by me ) XXXX XXXX. I would not allow a debt to remain un paid or ignored. I appreciate all help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Funding is trying to collect a debt that I do not owe them. I have never signed any contracts with Midland funding. I have disputed this debt with the three major credit bureaus via certified mail. I just recently sent a debt validation letter via certified mail directly to Midland Funding. Midland funding is a company based out of Delaware and they are allowed to do business in Delaware and California. I am a resident in the state of Ohio. Midland funding do not have a foreign license in the state of Ohio to do business. I want them to cease and desist any collection activity and reporting to any and all credit bureaus. I want this debt immediately deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-24
Company: TCF NATIONAL BANK
State: NJ
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 have contacted XXXX XXXX XXXX  customer service and was inform they was not able to provide information about the unauthorized inquiry on XX/XX/2017 And did not have a application for credit on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I reported an unauthorized transaction of {$1600.00} to Bank of America on XX/XX/XXXX. A dispute claim was filed and I cancelled my issued unchipped EDD debit card and requested a replacement card. 

Called Bank of America cardholder services on XX/XX/XXXX because I was denied access to my account on the Bank of America Edd card website : YOUR ACCOUNT CAN NOT BE ACCESSED. PLEASE CALL THE NUMBER ON THE BACK OF YOUR CARD. After verifying my identity to the agent I was informed that my account has been closed. 

Received a letter from Bank of America dated XX/XX/XXXX saying they were investigating my claim and my account would be temporarily credited with {$1600.00}. 

Received another letter from Bank of America dated XX/XX/XXXX which informed me that after investigating my claim the temporary {$1600.00} was now permanent. 

I have called Bank of America consumer protection department numerous times requesting them to do the following : reopen, unfreeze, and remove hold on my debit card Mail me a check for the remaining balance Give me a reason for closing my account Tell me who to contact and what I need to do to reopen my account Ask to be transfered to Fraud department, Risk department and account escalation specialists Bank of America claims they closed my account on behalf of my sponsor, California EDD due to benefit eligibility concerns. They say only EDD has access to the money and I have to contact them and have a freeze tracker sent to start the process. 

I call EDD and after verifying my identity explain my debit card was closed by Bank of America who needs you to verify my eligibility with them in order to regain access to the money on the debit card. EDD states that my account is in good standing, they have no access to my account and only the bank can close the account. The EDD agent sends Bank of America an email and an EBP log. Even though my identity was verified through idme, EDD sends me their link to upload identification documents and my identity is confirmed as of XX/XX/XXXX and Bank of America has been contacted and notified that my identity and eligibility is confirmed by California EDD. 

My account is still closed and when I call Bank of America they claim they have received nothing from EDD.

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 2016-05-12
Company: BlueChip Financial
State: AZ
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received a call today from a blocked number stating that they are court processor for XXXX XXXX and that I am being served an arrest warrant at home or at my job within the next XXXX minutes. When asked for further information they gave me this number and file # XXXX # XXXX I was then transferred to their " legal dept, XXXX XXXX '' Who then state that their company name is XXXX.I called a credit attorney and was told that there are too many red flags and that it does not appear that this company is legitimate and that they are not allowed to harass me or threaten with jail time.I then called the XXXX # again and the guy said that my file had been transferred somewhere but that he was not aware of and then proceeded to try and tell me why I did n't pay and that the XXXX address was from a XXXX XXXX office and why was I online while at work. I asked for a debt validation letter but the guy stated that I owe the debt and that he already sent several notices last year. He the mentioned the debt was from 2014 of which I then reminded him that I filled a bankruptcy back them and that is why I am asking for a debt validation letter. XXXX refused.

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 2019-12-19
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello my name is XXXX XXXX I went to the university XXXX XXXX back in XXXX exact date XX/XX/XXXX I only stayed at this school until XX/XX/XXXX according to the university XXXX XXXX they were dispersed XXXX dollars from Sallie Mae 's now navient. They refunded navient back on XX/XX/XXXX in the amount of XXXX navient is stating that they have no record of that while I emailed the proof the ledger of what was refunded back to them. They are stating that I have to pay navient back over XXXX the total amount dispersed for the two months that I attended that school was in the amount of XXXX. They are trying to make me pay and extra XXXX and some change for something I never used. XXXX XXXX response to the matter was well why are you looking into it now 11 years later. While I was in school and still in school I thought my loans was deferred but according to them which I did not know at the time that a private loan you have to pay back while still in school and they are trying to make me pay for something that I never used as well as not will to work at a reasonable price for repayment to what I can financially afford. They were rude, nasty and not made statements to me that you should not say to a customer such as " why am I looking into the matter now '' " you should have did this 11 years ago it's to late '' " it's a debt that has to be paid '' I'm willing to pay what i used and that is the XXXX not over XXXX dollars. Inhave documents to prove what was issued to university XXXX XXXX and what was refunded back to navient. THERE IS NO WAY THAT FOR 2 MONTHS OF SCHOOLING THAT IT COST XXXX DOLLARS. They are disguising student and not explaining what a private loan is and when it comes time to pay they are not flexible with the students and what they can afford. I would like to take this higher to a class action lawsuit if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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: Personal information incorrect

Complaint:
My Credit Report ( attached ) is not generated with my correct name.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There are accounts reporting on my Credit Report which are unknown to me, upon further research, I found that these accounts are fraudulent. I am now submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date XXXX Balance : {$4600.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-12-14
Company: Experian Information Solutions Inc.
State: NJ
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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