BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-15
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
My husband opened a XXXX XXXX XXXX account for our daughter with XXXX Bank. Last known statement was sent to our address in XXXX, GA in XXXX. We have since moved to a couple of different addresses and lost track of the account. Our daughter is now scheduled to graduate on XXXX, XXXX. We located the last known statement dated XXXX XXXX/XXXX/XXXX ) and called TD Bank to inquire about the funds. XXXX Bank was bought by TD Bank in XXXX. TD Bank states that they do n't have any record of our account because it must have been dormant prior to their acquisition of XXXX Bank in XXXX. TD Bank suggested that we call the State unclaimed property department in Delaware, Maryland and Georgia. I contacted the unclaimed property in the States mentioned and they do n't have any record of the account being sent to them. The State of Delaware informed me that they would need a letter from TD or XXXX Bank stating that account funds were sent with associated details before further research can be performed. TD Bank is stating that they ca n't help, because there is n't any current record of the account. This is a good bit of money and my daughter needs it desperately to get into college. Can someone from TD Bank please pull the account history from archive and explain what happened to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
Chase sent me a letter that sai the FULL balance was forgiven. The letter said FULL principal balance all fee and anything else. They released the lein and everything! When they report to the credit bureaus they report paid " less than full balance ''? That not what I agreeded to! I agreeded to the FULL balance, the entire lein all fees to be forgiven by them, did not enter into an agreement that settled for " less than full '' balance! Need to be reported that the " full balance '' is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: IQOR US INC
State: OH
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Husband defaulted on student loans, Allied Interstate began garnishing 15% of his wages. They stated this will happen for XXXX months & on top of that we pay additional XXXX towards loans. It has been XXXX months with garnishment, we have sent all paperwork requested in (even though they sent us wrong form, stated they lost items we sent in, etc.) now that garnishment is supposed to end, they state that they want us to pay XXXX per month instead of XXXX on top of the 15% of wages. We cannot afford this. We can afford the payment, but not along with the hundreds of dollars each month they are collecting - none of which is going towards the student loan balance. They want us to basically start over with garnishment for another XXXX months, but paying  higher additional amount per month on top of garnishment. Now they sent us a new letter as if we were starting over. We are supposed to sign it and return it or else they said we won't be able to rehabilitate the student loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
This is the second complaint against TD Bank NA. ( XXXX ). I applied for a Home Equity Line of Credit in XXXX 2015. I am asking for a {$50000.00} line of credit for a rental property that is worth {$270000.00} ( according to their home inspection ). I will pay off the current mortgage ( which is under {$20000.00} ) and do a few small repairs ( less than {$2000.00} ). It was there suggestion that I ask for Home Equity Loan of {$50000.00} @ 5 % interest. Now there asking for information on my residence. I have provided them with everything I could. I have a small home equity loan ( {$32000.00} ) on my residence. ( No first mortgage -- just the he loan. ) They are asking for a statement which I provided. I deal with a credit union that provides a comprehensive statement that includes checking, savings, and loan information. TD Bank will not accept it. I went to my credit union and they were willing to write a letter, but TD wo n't accept that either. First of all this loan is on a property that THEY valued at {$270000.00}. I really only wanted {$30000.00} to pay off the mortgage and do some repairs. I have provided them with the information they requested. XXXX XXXX XXXX XXXX is willing to write them a letter but they won '' t accept it. They obviously do n't want to give me the loan and want me to give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Big Picture Loans, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a phone call this morning XXXX XXXX from XXXX XXXX XXXX Law Office from a person calling himself XXXX XXXX. He claimed that I had a class action suit being filed against me regarding a debt with Castle Payday Loans stating that it was a time sensitive situation on my voicemail. This man called my mom, XXXX sisters, brother in law and his mother ( I do n't even have her phone number ). 
I asked several times for law license number and he refused to give it to me, and I also asked for him to send the claim in writing to the address that he had on file. When I asked to speak to a supervisor he refused and ended the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Duncan Solutions, lnc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt of {$28.00} with XXXX XXXX. XXXX XXXX offered to reduce this to {$8.00}. However, XXXX XXXX said the debt was in collection. When I called the collection agency -- Professional Account Management -- the agency refused to lower the amount to {$8.00}, as XXXX XXXX had. I tried many attempts and the representative, XXXX, refused. He refused to let me speak to a supervisor. He even offered to pay it himself. When I took him up on this offer, he declined. The call was being recorded so you may check for yourselves. This was unfair and predatory. I should have only had to pay {$8.00}. I want my money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Notice, I have reason to believe and do so believe that DISCOVER and anyone from the CFPB needs to respond to this affidavit POINT for POINT so reasonable rebuttal and sign under penalty of perjury that debt exceeds the amount of credit on this account that was created from MY original endorsement ; and notice again review all journal and ledger entries and please supply evidence showing cause that debt exceeds the amount of credit so be it all from the CFPB XXXX XXXX, XXXX XXXX, XXXX XXXX, and all from DISCOVER XXXX XXXX XXXX shall respond within the next 10 days as this matter has been ongoing for over 110 days. 
Notice, I have reason to believe and do so believe it would be impossible for DISCOVER to be the first creditor if i never signed as an endorser and gave my extension of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I recently had {$600.00} in fees! From charges I did not authorize and I try and contact them and the wait time is usually 40 minutes or more on the phone. I have signed up for no overdraft fees. Yet they just hit me with {$600.00} in fees. They let several items hit 3-4 times a piece and at {$29.00} a shot!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Global Lending Services LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I entered into a loan agreement in XXXX. I've had open and continued throughout 52 payments which double what the car was even worth and still have 14 payment {$420.00} per month left. I have proof that on or around XX/XX/XXXX, my leasing company Global lending services llc called me and told me that if I made 1 payment for my past due amount of {$35.00} they would push two payments back and that I would be current. I made the payment and they did not follow through on their end. Next call I received was the repo man. They made me believe that I was ok and I was able to focus on my other bills. I feel they failed to follow through on the new agreement they set. I already feel I've paid way too much for this car for them to cheat me and take it. I am a single mother of a XXXX   XXXX daughter in 116 degree weather. I can't afford for them to do this now they want {$2000.00}. They also messed up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: MI
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 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 719XXXX 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 XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Alpha Recovery Corp
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a call on my cell phone by a person who identified herself as XXXX XXXX. XXXX XXXX then read my date of birth and last XXXX of my social security number to me. She did not ask me to verify it. I asked to speak to a supervisor. The supervisor name that I spoke to was XXXX XXXX. The supervisor went on to do the same thing. She provided me with the last XXXX of my social security number and date of birth. I explained to her that this was a violation of my personal rights. She could have provided my information to anyone. Now anyone that answered the phone could be applying for credit under my name. I explained to her repeatedly that to apply for a credit card many companies only ask for your date of birth and the last XXXX of your social security number. The supervisor states that what she had done was completely legal. Giving my information out over the phone is completely ok.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-25
Company: Big Picture Loans, LLC
State: GA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Needed some extra XXXX money.I applied for a {$200.00} online to Castle payday.They wanted {$100.00} a month for 9 months.I refused to pay {$900.00} for a {$200.00} loan! 5min. later a lady calls me and said why did '' nt you want the loan? I told her I '' m not paying {$900.00} for a {$200.00} loan.She tells me she can cut my payments down 4 payments of $ XXXX.I said okay.What I later found out, she gave me the same deal I did '' nt want.I had to change my bank account so they could '' nt take out anymore money.Castle payday is nothing but a " rob you in plain sight '' company!! Nobody wants to deal with a company that lies to you and robs your bank account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: PA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT REPORT, PLEASE REINVESTIGATE AND HAVE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. THE XXXX ACCOUNT WAS REMOVED OFF MY CREDIT, IT REAPPEARED AGAIN WITHOUT MY KNOWLEDGE, PLEASE HAVE THOSE NEGATIVE ACCOUNTS COMPLETELY OFF MY CREDIT FILE. ATTACHED ARE REPORTS SHOWING THE ACCOUNT WAS NOT REPORTING ON MY CREDIT.

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 2022-08-05
Company: Bread Financial Holdings, Inc.
State: TX
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 noticed that a new credit card from Comenity Bank XXXX XXXX has been opened up in my name a few weeks ago. The person who opened the account sent {$1200.00} already and maxed out the credit card and defaulted the payments. Upon contacting the Comenity Bank they told me they will start investigating. 

They called me up today to tell me they do not think its a fraud because " someone paid the bill ''. Upon further inspection the Comenity Bank rep told me that someone opened up an account in my name on XX/XX/2022. On XX/XX/2022 around XXXXXXXX XXXX XXXX  XXXX, a guy identifying himself as XXXX XXXX called Comenity Bank and told them that he is my husband and that I had authorized him for this account. He then spent {$1200.00} on that credit card but also somehow managed to make a small payment. The Comenity Bank account that was created under my name had the last 4 digits XXXX. He also assigned an email " XXXX '' with this account. The address provided by the person who opened up the account -- XXXX, XXXX XXXX, XXXX XXXX, TX, XXXX -- is not an address where I have ever lived or been to. 

The bank closed the investigation I asked them to conduct because they believed a " fraud would not make a payment with a checking account ''. 

Please help me with this. I am single, live alone, never been married. Whoever opened up an account under my name and is using my identity is a fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: Genesis FS Card Services, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I opened an account with Genesis ( XXXX ) when I purchased a bed set from XXXX XXXX in XXXX. In XX/XX/XXXX the account was charged off and sold. My credit bureau says the account is owned by XXXX. The phone number provided led back to Genesis. 

I have contacted Genesis several times since XXXX of XXXX to get information on my account so that I can settle it. In every instance, Genesis has told me they are unable to provide information regarding whom the debt was sold to, leaving me no way to pay back or settle this account. 

I am at a loss for what to do to resolve this account and improve/repair my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Over 10 years our grandson was in XXXX and a fraud caller ask us to accept collect call. The telephone number is no longers in service and was in my husband name. our new number is in my name and we get calls beginning @ XXXX and continuously all day from Enhanced Recovery Company , LLC with whom we do not any contract and never did business with them. I am XXXX years old and diagnosed with several health challenges and this harrassment cause me stress. please help!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08
Company: Big Picture Loans, LLC
State: NE
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Received letter for easy loan, thru Big Picture Loans ... did online app and received phone call to verify shortly after. On call they advised me I would pay interest of XXXX on the XXXX dollar loan I was approved for, in which first payment would be on XX/XX/XXXX of XXXX. Now I am told the XXXX payment will be automatically withdrawn every 2 weeks for 58 payments totally almost XXXX!! I was never told of an interest rate being 780 % or I would have NEVER agreed! When I called to discuss the service rep was very rude. I do n't dispute the validity of the loan or the XXXX interest I was told, but no way will I pay 780 % interest on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the last letter written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Reports : Charge Off XXXX XXXX  XXXX XXXX {$1800.00} XXXX XXXX XXXX {$510.00} XXXX XXXX  XXXX XXXX {$8700.00} Collection XXXX XXXX XXXX XXXX {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Huntington bounced one of my checks. I opened this checking account because the bank told me I had a 24 hour grace period overdraft period. I used my debit card online by accident. I have a credit card with another bank that looks just like Huntington 's card that caused my Huntington account to be overdrawn by {$5.00} -- IT WAS MY FAULT BUT IT WAS ACCIDENTAL. My rent check bounced because I was short by {$5.00}. I have had my Huntington checking account for 7 years and have never bounced a check. I called the Bank and they told me the 24 hour grace period is at their discretion whether to honor the the grace period. My question is this -- -what are the discretion parameters???? If they do not honor a {$5.00} shortage in funds then they really don't have a 24 hour grace period -- advertising a 24 hour grace period and not allowing a {$5.00} shortage in funds is close to fraudulent and not acting in good faith to me as a long term customer in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Money Transfer Acquisition, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
A money service was sent to a person in XXXX to a personal Bank account but the associate from the DolEx booth included a wrong digit in the bank account number and was sent to the wrong bank account. I went back to the XXXX location that same day XX/XX/2020 to inform them there was an error and the associate informed me that she would send in a cancellation notice and asked me to return the following day XX/XX/2020. Today when I went back she informed me that It has not been canceled because they can't and the only way to cancel is by getting ahold of the department of XXXX Banking. The person I tried sending the money to has contacted and has taken the steps needed for the cancellation and they were informed that the issues have to be resolved on the sender 's side since the error was made by the sender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to my privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation