BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-29
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: TD BANK US HOLDING COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I discovered in XXXX of XXXX that I was being charged late fees by TD Bank Retail Card Services for my XXXX XXXX account for not paying my bill on time. I discovered upon looking at my personal bank account that although the payment completely cleared my bank account on time as a scheduled electronic payment, TD Bank was not applying my payment to my account with them until 2 to 5 calendar days after the payment fully cleared my personal bank account. According to TD Bank, my payments are due on the XXXX of every month, all of my payments were completely cleared from my account on or before the XXXX of the month. 

I also discovered that between XXXX and XXXX of XXXX I had overpaid my bill by making at least double payments by over {$130.00} dollars, but was still charged a late fee in XXXX. I have continued to pay double the minimum payment throughout XXXX in order to pay my bill down faster, but that has been eaten up by late fees instead. 

These details are as follows : XXXX 's payment fully cleared my bank account on Friday, XX/XX/XXXX, TD Bank did not post it to my account until Wednesday, XX/XX/XXXX 5 days later, causing me a late fee of {$38.00}. 

XXXX 's payment fully cleared my bank account on Monday, XX/XX/XXXX TD Bank did not post it to my account until Wednesday, XX/XX/XXXX, 2 days later, causing me a late fee of {$38.00}. 

XXXX 's payment fully cleared my bank account on Wednesday, XX/XX/XXXX, TD Bank did not post it to my account until Friday, XX/XX/XXXX, 2 days later, causing me a late fee of {$38.00}. 

XXXX 's payment fully cleared my bank account on Thursday, XX/XX/XXXX, TD Bank did not post it to my account until Monday, XX/XX/XXXX, 4 days later, causing me a late fee of {$38.00}. 

I have submitted these details to their payment verification team, but have not heard back, or received a confirmation that my message was received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-10
Company: WESTERN UNION COMPANY, THE
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/X/2017 I sent money through western union to my finance company in regards to a payment for my vehicle. The finance company never received the funds and I have been trying to locate the funds ever since. When I call customer service they transfer my call to different departments and then I get hung up on. Every time I call they claim to have opened a ticket but there is never a resolution. Due to the transaction not being completed my vehicle is no longer available. I need help locating and receiving a refund immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm not responsible for this accounts. I was victim of Identity Theft, a company stole my personal information, user names and passwords, they applied for many cards and loans, took money from some of my cards. i'm not responsible for this debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
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: Information belongs to someone else

Complaint:
had problem with my credits history on my billing statement and had to make few calls to get it solved, and i believe my ID had been stole by someone as i found out there was another name on my account i have never use cause it is misspelled and i also found there had been applied for cards or loan. I don't recalled applications any of those on my records so i see now i am being caught who is using my id and trying to fix this. There was a struggling moment i had follow up with cause i feel someone is taking advantage of me and my credits. there is lots more i see on my credit reports. Need someone to help me to clean this up cause it hurt me a great deal i struggled over the years to clean this mess i didn't do, and remove these fraudulent accounts from 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 2015-04-07
Company: Midway Resolution Services LLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have been contacted by several phone numbers that come up in google scam complaints as XXXX XXXX they call me excessively with recorded messages for months that I have fraud charges against me and will be receiving a subpoena. I phoned back with an attorney and all they would tell us is that it 's a XXXX XXXX from like 2010 (? ) for like XXXX. I have never had a XXXX XXXX and have never received any notice about this in the mail. They told my lawyer they would see me in court yet I still have never gotten any subpoena and they continue to call from various phone numbers with recorded messages.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: ALLY FINANCIAL INC.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My mother had need of a vehicle but had insufficient income to make the initial purchase and I was brought on to cosign for the loan. Regrettably, my mother recently passed. After attending to the essential needs of the state, I voluntarily returned the vehicle. As a cosigner to the loan, I understand that this is my financial responsibility to pay the balance of the vehicle loan. 

However, I have a complaint with the collection agency that was hired to handle the account. When I received notice in the mail, I promptly contacted the agency. After feeling strong armed into a payment which undermined my financial stability, I offered to mail them a payment. They strongly discouraged this as account transfers were more efficient. I did n't feel comfortable with this but agreed in an effort to take responsibility for this. They then alerted me that they were going to take {$100.00} a month out of my account. I did not agree to this payment but they said that they were going to. At this point, I had to close my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid the full amount ( {$390.00} ) of my Barclay 's XXXX XXXX Mastercard payment due on XXXX XXXX, XXXX, via online payment from my bank on XXXX XXXX. The bank confirms that the check they sent to Barclay 's was cashed on XXXX XXXX. BUT the statement for XX/XX/XXXX - XX/XX/XXXX shows {$0.00} payment for the month and therefore a balance due that includes the {$390.00} + {$27.00} late fee + interest, + new balance accrued. I spoke with " customer service '' (??!! ) at Barclay 's on XXXX XXXX, who agreed to reverse the late payment fee, but told me that it will take at least 3 weeks and likely more to " research '' where Barclay 's lost my payment. and of course, that if I don't pay the balance due ( as described above ) in full IMMEDIATELY my account will continue to accrue interest. 

I do not understand how they get away with charging me interest on money they have misappropriated from me, due to their error. 

I understand that I have no legal option other than to overpay to the tune of {$400.00}, and to do so ahead of my current account due date of XXXX XXXX. 

This is wrong and unacceptable. 
I am also being dunned in the meanwhile with emails offering to help me figure out a payment plan.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 checked my credit report and found that 3 companies were violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602 and USC 1681 section 604 A section 2. I have the right to privacy. A consumer reporting agency can not furnish an account without my written instructions. I sent out a complaint the was received XX/XX/22. These accounts remain on my report, violating my rights.

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 2016-10-07
Company: RoundPoint Mortgage Servicing LLC
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
There are repeated roadblocks to attempt to reduce the cost of my mortgage through RoundPoint Mortgage Service Corporation. For instance, a biweekly payment option is available, but requires the processing of a paper application AFTER already signing up for ACH withdrawals and having a fully integrated online profile on their system. ( MONTHLY recurring payment is made available, but the other option requires additional efforts. ) In addition, initially, I spoke with a customer service representative about making weekly payments and went through a series of steps to make those payments directly from my bank account. Rather than applying the funds when they are received toward the next payment, as was described, the company amassed the cash and applied it at the due date of my monthly payment, ensuring they maximize the interest accrual on the loan. The other option they offered was that the payments could entirely go to principal, but would result in my monthly payment then not being paid. 

When I called to address my concern about this practice, I got a run around and was forced to make an additional payment ( full monthly payment ) to ensure that what I paid weekly did n't somehow not get applied and put me in a situation with a missed payment. 

The customer service department does not seek to help consumers at all. I did NOT choose this vendor. My mortgage was sold to this company and now I 'm a hostage to them for 30 years. I would love to figure out a way to escape this company and go with the provider I originally chose or a more decent company.

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 2015-10-01
Company: Diversified Consultants, Inc.
State: TX
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:
Diversified Consultants Inc. has been sending me harassing me w phone calls ( up to XXXX per day ) and letters ( XXXX or more per week ). They claim to be collecting money on a 4 year old XXXX account, but when I called XXXX they said the account closed and that I never owed a debt. I have disputed this with the XXXX credit reporting agencies and they removed the Diversified Consultants claim a month ago. But the company refuses to stop contacting me even though the debt does n't exist. I have requested proof of the debt and they have not provided it ( it does n't exist ) but they still keep contacting me. They refuse to talk to me unless I provide them with my SS # and address, I think this is a scam to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted a disputed in reference to XXXX. I never applied for a loan with this company and I wanted it removed from my credit report. Trans Union went through their 30 day process and came back with nothing. They stated they included new information on my credit report, the new information was they lowered my credit score because they are a main resourse for 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 non-monetary relief
Consumer complaint received 2016-10-23
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was recently XXXX and was unable to make a payment on my home equity line of credit. I am on a fixed income ( social security and pension ) that are directly deposited monthly to my KeyBank checking account. Not only am I a low-to-moderate income person with health issues that prohibit me from easily going to a local branch office, but I also live in a low-to-moderate income census tract in the City of XXXX, and have been XXXX over the last several months, and want to in good faith pay my bills. I have been a long time customer of KeyBank of over 35 years. KeyBank is assessing multiple fee charges ( {$38.00} x XXXX charges on XX/XX/2016, {$38.00} charge on XX/XX/XXXX, {$38.00} on XXXX XXXX, {$38.00} x XXXX charges XX/XX/2016, plus {$28.00} in reoccurring overdraft charge XX/XX/2016 ) and is not willing to waive any of these fees because I was in XXXX and unable to deposit my rental income checks. Even though my social security and pension are being deposited, KeyBank is taking the money to cover the multiple fee charges. Without waiving the fees that accumulated to over {$500.00} this prohibited me in making my l other line of credit payments with KeyBank. Their inability to work with me is causing additional negative impacts. I have monthly income to work with and KeyBank is compounding the situation by not working with me even though I have monthly steady income and want to pay my bills. Although I attempted to work with the Branch Office on XXXX XXXX XXXX XXXX multiple times, they do n't want to take the time to work with me and relate to my issue. I need assistance restructure payments and waiving fees so I can get back on track. This is simply causing me to be behind on a monthly basis and I ca n't get ahead. HELOC Installment Loan/Line of Credit Account Number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-05
Company: KEYCORP
State: OR
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I had a preferred checking line of credit ( XXXX ) thru Key Bank that functioned as either a credit card or cash loan. Due to medical expenses my limit was reached on this account. Key Bank customer service advised that I could open a Key Bank Platinum Card ( XXXX ) and transfer the previous balance to the new card at a lower interest rate. This was due to the increasing interest rate on the original card that made it difficult to keep up with payments.. The transfer would lower the interest rate. At this juncture I was expecting the original amount on the first card to be transferred to the new Platinum Card at a lower rate, then they dropped a bomb on me and advised that I could not transfer the balance to the new card. I advised them that I was unemployed at the time the new card was opened. And soon after the second card was opened, Key Bank began to raise the rate from 7.9 % to near 20 %. I kept falling behind and was unable to establish a payment program, the card rates were increasing and the penalties and interest made it impossible to repay the debt. I have since contacted them several times and offered to close the credit card accounts and convert the debt to a consumer loan in order to pay it back. They have refused all options to repay them and continue to charge me penalties. I now have little hope of ever paying this loan back unless they cooperate and realize that their manipulation, failure to close the first card, and charging me higher and higher interest with penalties has put me in this situation. 

The Bank was applying all my payments toward the finance charges and penalties and NOT the principal. This made it impossible to pay this amount off!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
General Revenue Corporation has been aggressively calling my ex wife and her other family members and her other children to get information about me. They are harassing them very aggressively this has been going on for the past week ( todays date is XXXX-XXXX-17 ). 
The folks they are calling are within my family and my ex-wifes family who are not blood relatives of mine. Please ask them to cease and desist.

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 2022-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX i received a packet from Bank of America which included a credit card in my name and the account was opened and already had a {$59.00} dollar fee on the account. I did not fill out an application for this card. A letter was enclosed saying that they received 2 applications from me and approved only one and deleted the other. I called Bank of America and told them that i did not apply for this card and it is fraud. They closed the account and i cut up the card. I pay a fee to XXXX to monitor my credit, I also had my credit locked. This means if i even apply for any loan it will be denied because of the lock on my account. Although XXXX caught the inquiry and flagged and deleted it, the inquiries still went on my XXXX and XXXX credit report as a hard inquiry. I called XXXX and XXXX to get each of them monitored to let me know if any inquiries come from now on. The inquiry from Bank America happened on XX/XX/2022. Bank info who made inquiry is Bank of America, XXXX XXXX XXXX, XXXX XXXX Tx XXXX. Their phone number is 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 non-monetary relief
Consumer complaint received 2020-04-08
Company: QC HOLDINGS INC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX QC Financial Payments Fee {$30.00} Took money from my bank account that was not authorized by me with no contact informing me of any charges. The only income is my XXXX social security aka RSDI. 
I wrote via email to both lend nation and bank. 
Advised lend nation to stop the ach and stop my debit card also to remove debit card. 
Advised bank to stop payment from QC Financial. 
Have not heard a reply from neither company.

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 2016-12-18
Company: TCF NATIONAL BANK
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have been a customer of XXXX bank for over 3 years. Overall the bank has been alright. But periodically money comes up missing from my account. The transaction is debit from a foreign ATM. I live across the street from my bank there really is n't a reason for me to go to a foreign ATM unless there is n't a tcf bank around. This last transaction happened on XXXX XXXX, 2016 at XXXX in the morning at foreign ATM. I swear I was home asleep. If you review all of my ATM withdrawals I am never withdrawing money at that hour. They said the have documents but never provide it. Now the last time it happen about five months ago I got a new card and I did use the same pin number. So this time I changed my pin but I still do n't feel safe but this is the closest bank. I should be able to bank there and feel secure. Something is going on with their debit cards. I ca n't believe I am the only customer experiencing this. I want my money back. The amount is {$100.00}. I know to some that 's a small amount but I work hard and it 's a lot to me. Nobody seems to care. I will have to find another bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief