BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My name is XXXX XXXX XXXX. On XX/XX/2022, when I was working in the office in XXXX, XXXX around XXXX, I tried to call my son, however, the phone lost connection, I can't make any phone calls nor text messages. After work around XXXX, I went to XXXX store to fix my phone. The representative in XXXX said someone used your fake ID to take my phone line. After my phone got fixed, I called TD Bank immediately ( around XXXX ) about my banking accounts. At that time I found out I lost all my money and the bank specialist transferred my call to fraud department within the bank. They said there were three withdraws, {$9000.00}, {$5000.00} & {$8500.00} from my account XXXX on XXXX XXXX, 2022, two of them in XXXX, XXXX XXXX  and one in another location in XXXX XXXX On XXXX XXXX one withdraw {$4000.00} from my account XXXX in XXXX XXXX XXXX XXXX XXXX all of those withdraws without my authorization. I filed the affidavit report on the next day at TD bank located in XXXX XXXX XXXX, XXXX XXXX. XX/XX/2022. I was working in XXXX XXXX not in XXXX XXXX nor XXXX XXXX on those days. I did not authorize those cash withdraws. On XX/XX/XXXX, I found out someone used my identity to open a credit card in XXXX XXXX, located in XXXX XXXX XXXX, XXXX, XXXX, XXXX  XXXX, which I never authorized. I was in XXXX working in the whole time, did not go to those places. 
At the same day of XXXX, I call all credit bureaus to freeze my accounts, credit bureau included XXXX, XXXX and XXXX. 

I filed a police report on XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX has violated my rights. 

15 U.S.C 1681 section 602.A. States I have the right to privacy.

15 U.S.C 1681 section 604.A section 2. States a consumer reporting agency can not furnish an account without my written instructions.

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 2020-04-17
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few years ago I signed up to take a course with XXXX XXXX. I made one payment and received one book and I called the school letting them know I will not be able to continue the course and after that phone call I never heard back from the college no emails, no phone calls, no mails. When I check my credit report and I notice Ability Recovery Services states that owe this XXXX money. At some point they remove the debt and then add it back on which is totally illegal. 

If I owed XXXX XXXX any funds, why didn't the school reach out to me or sell me my debt for whatever percentage it was sold to Ability Recovery Services. 

This Company is a scam and they need to be stop.

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 2022-09-29
Company: Experian Information Solutions Inc.
State: LA
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:
Experian refuses to remove 3 inaccurate addresses from my report which is leaving me susceptible to identity theft. I have contacted them and they continue to say contact the furnisher ; however, ALL 3 the furnishers communicate with me at my current address.

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 2022-09-29
Company: EQUIFAX, INC.
State: NV
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:
Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
In XXXX I purchased a car from XXXX of XXXX corner in VA. It was a XXXX XXXX XXXX. I had to vehicle for less then 4 month and the vehicle died on me .I went back to the dealer and was told because I didnt purchase extended warranty there was nothing they could do. So they ended up taking the car off my hands and put me in to a XXXX XXXX XXXX and rolled that entire loan into my new loan .They sold me a lemon and new it was a lemon and held me fully responsible. I just finished paying off the loan that includes both loans which is not fair

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 2022-09-29
Company: Convergent Resources, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was with XXXX  from XXXX XXXX XX/XX/XXXX. 
CONVERGENT-XXXX  opened the account in late XXXX which is already after the federal XXXX for cell phone debt. They only contacted me in XXXX of this year and did not send an itemized receipt or letter of debt. I have only recieved letters confirming my payments towards the debt.

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 2022-09-29
Company: EQUIFAX, 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:
This account was closed as a charge off in XXXX of XXXX, however the company continues to keep the account open and report late payments each month on my credit report. 

This gives the appearance to creditors as if this is a new open account with new late delinquencies which is completely untrue. 

XXXX XXXX  should not be allowed to classify this as a charge off, yet keep the account open on my credit report and report new late payments each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was credit approved for a personal loan # XXXX on XX/XX/2020. Attached is an approval letter ( see Exhibit. 1 ) I have signed the promissory note on XX/XX/2020 and received the following email dated XX/XX/2020 ( see Exhibit. 2 ) stating that the loan funds have been transferred directly into your bank account on XX/XX/2020 ; however, this later turned out to be incorrect as per a letter dated XX/XX/2020 ( in the attached Exhibit.2 ). Per that letter, HSBC has decided to deny the loan based on " documents provided are not acceptable to verify your income ''. Up to this date, I have requested a copy of the executed promissory note and executed loan contract related to this loan for my own personal records ; however, HSBC denies providing me with such copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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:
Inaccurate information reporting on my credit report that are not mine. I have contacted XXXX, Transunion, XXXX several times via phone, online and via first class mailings on many occasions in regard to inquiries that is reporting inaccurately. I even provided a police report and I get the same response each time that they have been removed but they are still appearing on my report. It makes it look very bad on my credit report and reporting negatively/inaccurately. I am trying to finance something on my credit report and it makes it very difficult when theyre checking my credit and this inaccurate information is appearing. I have disputed and reached out to XXXX, Transunion, XXXX several times and they say the same thing over and over, that we have removed them but they have not sent me anything in writing with proof of the removals. After they were going to mail out letters confirming the removal of the disputed inquiries. XXXX, Transunion, XXXX needs to provide proof of validation of these being removed and the results of my disputes. When I call XXXX, Transunion, XXXX they keep telling me that their handling it and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following inquiries is what is being reported : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  How can all the bureaus be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect. In addition my XXXX and Transunion score does not reflect my credit profile.

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 2022-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was offered a job interview with XXXX XXXX, a XXXX company. The interview was scheduled to be taken on the XXXX app ( which later I identified was used as it allows to Delete messages from the sender as well as receiver 's end ). My interview was completed by XXXX XXXX XXXX on the XXXX app via text messaging and I was offered a job on XX/XX/2022 by XXXX ( XXXX ). I had asked for three weeks before starting the new job. As per their requirements, they were supposed to send me a check for buying remote work-related equipment. I received the check by XXXX  package by XXXX XXXX and asked to communicate on XXXX. I had been communicating with both XXXX XXXX and XXXX. Once the amount was cleared by Bank of America on XX/XX/2022, and was reflected as deposited in my account balance. They asked to me to transfer {$1000.00} through XXXX from my bank account to XXXX ( XXXX ), their equipment delivery contractor who would be sending me equipment at my residential address. Once I sent screenshots of the transfer and payment confirmation, I was asked to transfer the remaining {$800.00} to her again. When asked why was the whole amount not transferred to her, I was told sometimes employees have a minimum {$1000.00} limit which leads to rejection, after which I transferred and sent the confirmation of the payment on XX/XX/2022 night. Today, on XX/XX/2022 I received an alert from Bank of America that my account balance is below {$0.00}. After checking, the check deposited was put ON HOLD as it was a fake check and scam. After trying to contact the manager XXXX XXXX, he deleted all the messages from the XXXX app and mentioned it is a fake contract. He also texted if I contact him, he will hack my bank account. I immediately contacted Bank of America, after 4 hours of waiting and talking to merely 2 people and repeating the story, Bank of America did not help me to dispute a transaction or cancel the transaction. They transferred me to XXXX who after 1 hour got connected and took my details and gave me a Case Number. They said they will try to get money from Bank of America as I have no money in my account, but they can not say anything. I reported to the local police officer, who was kind enough to take all details and screenshots and provide me with a case number. I would like to alert other people and the official company being used for this fraud.

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 2022-09-29
Company: Americor Funding, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am the Title company and I am working on a reverese refinance. I am trying to get a payoff statement from a debt consolidation company ( Americore ) for my client. They will not give me authorization to request any documents or information on this loan ( even with the borrowers consent ). I have sent several emails to their customer service email and fax number but they are declined. The borrower was able to received an email with an amount but no wiring instructions or relatable information on the loan. When I respond to that email they decline to reply. Finally, Americore 's customer service reps have been very unpleasant to work with. One rep by the name of XXXX, was so intolerant of my clients questions he said " I will no longer explain any of this information to you as I have already explained once. '' My client is XXXX XXXX XXXX and she has difficulty receiving an email or even logging onto the internet. She should be able to request this statement so that she can pay it off and just be done with Americore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX  # XXXX # XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX has violated my rights. 

15 U.S.C 1681 section 602.A. States I have the right to privacy.

15 U.S.C 1681 section 604.A section 2. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: GUARANTEED RATE INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Subject : my Mortgage overpay is lost My name is XXXX XXXX I bought a house on XX/XX/2020 My lender was XXXX : XXXX XXXX # : XXXX My first payment was due on XX/XX/2020 with the amount of {$3600.00} I made payment by phone on XX/XX/2020 with the amount of {$5500.00} i.e. I overpaid {$1800.00}. My mortgage agreement allows me to pay more. 
I have all the receipts that prove this fact. 

The XXXX  did not put the overpay towards my principal, they just keep this amount {$1800.00} and refuse to return back. 

I contacted them multiple times by email and phone ( I have all the emails ) They confirm the fact that received overpay from me, but refuse to put it on my account or return back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: VA
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:
Dear Rep, The credit reporting agencies Experian, XXXX, and XXXX are reporting information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified inquiries to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. They are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report. 

Thank 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
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Dear Rep, The credit reporting agencies XXXX, TransUnion, and XXXX are reporting information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified inquiries to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. They are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report. 

Thank 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
Consumer complaint received 2021-08-03
Company: Inflection.com, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I had an employer run a background check on me and the results came back as " The social Security Number is valid. However, the name associates with the SSN do not match the individual being searched. After looking at the data, I have 3 birth dates that are not mine and 3 last names. I want to fix this so I do not have to explain this in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: JPMORGAN CHASE & CO.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
For many years I have leased a safe deposit box from Chase. I would receive an annual bill and pay it. The bill would have the reminder that if payment wasn't received, Chase had the right to seize the box and its contents. 
I didn't receive a bill in XXXX ( I assumed COVID might be the reason ). In XX/XX/XXXX I moved to another state, but didn't notify Chase until XX/XX/XXXX when I requested that the rental be canceled. I explained that the box was empty since I removed everything after my mother 's death and never got around to bringing anything back before I moved to XXXX in XX/XX/XXXX. I was willing to pay the fee for that year and a penalty for the key. 
I received a letter from Chase in XX/XX/XXXX telling me they had debited my savings account for rental fees for XXXX and XXXX. Since receiving that letter, I have spoken to Chase representatives many times. They insist that policy dictates that I can only end the rental in person. I've explained that the rental agreement stated if a payment was missed, they had a right to hold the box and its contents. 
Chase has now received two years of rental fees ( XXXX & XXXX ) for an empty box that I no longer use or need, and they will continue to do so each year because they claim that their policy was changed in XXXX. 
I moved to a city that doesn't have a Chase presence, my sister, also on the box, went to a Chase in her city and was told nothing could be done. 
In the meantime, I am being threatened that my credit can be harmed, access to some services has been partially restricted and I've been waiting twice as long as usual for a replacement debit card. I was forced to pay {$160.00} for an empty box. I can expect to pay it again next year if something isn't done. I am XXXX years old and they expect me to travel back to XXXX  or get a legal Power of Attorney to end the rental on a safe deposit box when the agreement was pay the fee or lose the box.

Company response to consumer: Closed with explanation