BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-18
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my paycheck XX/XX/20 for {$4400.00} like I usually do on my app. I have never had a problem with check being held. The deposit went through with no issue. I noticed XX/XX/20, though the money had already cleared from my contractor 's bank account, it showed as a hold on my business bank account with no effort from TD bank to communicate the hold. 

When I contacted TD bank on XX/XX/20, the business account costumer service woman I spoke with on the phone was rude and provided no help at all in resolving my inquiry. 

She just stated that there was a 6 day hold on the delivery of my paycheck. Apparently such a " large amount of money '' triggered an immediate hold. This is my paycheck and have never experienced any delays or problems depositing a check. Any lack of clarity on the deposit is immediately captured on the app and deposits don't take place unless there's a clear image. 
I sent a message to TD XX/XX/20 stating the major turmoil this has caused me and got nothing but a generic reply XX/XX/20 Stating " apologies " caused by the inconvenience. Online deposits over {$1500.00} will automatically trigger a hold. Had I been informed of this, I would have never deposited my paychecks on the app. 

I never default on my obligations! I am in good standing with my creditors and my Credit Score is a good reflections of this. 

I called again XX/XX/20 inquiring about the status of my funds and a much nicer woman was kind enough to explain the policies on " large '' amounts of money being deposited on the app, she stated my funds should be available XX/XX/20 or XX/XX/20. She also encouraged me to go to an ATM or to a bank teller personally next time. I work during normal bank hours, making impossible for me to take off to deposit a check. 

Two weeks later, my money is still not available. I had to tap into my savings to make ends meet. Only today, XX/XX/20 I get a letter from TD, supposedly dated XX/XX/20 ( sure!! ) stating that after all, " my check may not be paid ''. I DID NOT received a delayed availability notice a the time of deposit. 
The fact that TD Bank is doing this to any human being DURING THE CORONA VIRUS outbreak it's CRIMINAL!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Paypal Holdings, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Paypal sent me several letters on my account stating that it is closed because of money that I owed them. I contacted them and requested to dispute the transactions, but they were unable to assist me further and proceeded to mail me more letters. I mailed a letter back stating that I will not pay them what I owe because I did not authorize it and they sent more letters to me, this time to my different address.     This is leading to harassment because I asked them nicely to stop the first few times

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 2015-04-28
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
on my credit report Experian is showing Reliable Credits last post as a reposession. That was in our bankruptcy and PAID IN FULL. It was reposessed as you can see on the credit report we had to RE file the bankruptcy because there was missing information from my hunbands employer. The court ordered Reliable to return our vehicle and we paid it off through the bankruptcy. And should not be reported until XXXX as the bankruptcy will be done reporting after XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Ocwen Financial Corporation
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a conventional mortgage until recently. I was serviced by Ocwen Loan Servicing, LLC. I was in the process of selling the property, and there was also a modification in process. The first payment for the modification was due XXXX XXXX 2017 which I paid in a timely manner. The next payment was due XXXX XXXX 2017 which I also paid in a timely manner. When I contacted XXXX, XXXX and XXXX, after selling the property in XXXX 2017, to make sure that Ocwen was no longer reporting the mortgage as having a balance, ( I sold it XXXX XXXX 2017 ), I discovered that Ocwen had reported that two payments in 2017 as being late. This would be impossible. First, as I stated above, the mortgage was in modification status. And, the trial payment for XXXX XXXX 2017, was paid. In addition, I paid XX/XX/XXXX payment, even though I knew I was selling the house in a few days. Thus, there were NO Late payments paid in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have written a few times and the bureaus just are n't doing anything for me and I am pretty certain that they are violating the FCRA by not correcting the items that I am disputing. They are reporting a bankruptcy on my file, and yet the accounts that are part of that bankruptcy still have " included in bankruptcy '' which is not supposed to be there. I have repeatedly notified them of this and they failed to remove it. They also did not provide any documentation whatsoever verifying anything.

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 2017-05-26
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On   XXXX   XXXX   I notified  U.S.  Bank regarding a change in my insurance coverage. After a very unpleasant conversation with her, she was very rude ... and hung up on me. I called back supposedly spoke to a Supervisor who assured me the information was in the system even read back to me the name and date due of the new policy. I filed a complaint against the person who originally hung up on me, that was filtered and I was told would need to provide more information through a signed in account with them which I was NOT willing to do. Fast forward to today, a month later, I got an email stating my insurance was never paid and past due. So I called back and I was very upset, because I had already notified them a month prior and now I was on the verge of being unprotected and and at potential risk. I received the same rude customer service I had received prior so apparently this is a pattern with them and the same run around from the person on the phone claiming they did n't know, they never knew, never notified, never received a bill, etc. etc. Funny thing is I had called and talked to the insurance company prior to and they stated they sent  2 invoices one  original and  one  past due. Now I needed to AGAIN do their work for them while the whole time they hold my monies for these types of payments. When I asked for the monies to be stopped and I would just pay myself the person laughed and said I do n't have that authority because of the " type '' of loan I have. He also stated that they would only make one payment per year and this is why it was n't paid????

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 2016-10-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of identity theft. A bunch of inquiries keep appearing on my credit report. I have included a list of all inquiries that I am disputing as fraudulent.

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 2022-03-26
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I moved from the XXXX to live in XXXX with my XXXX wife on XX/XX/2022. We are buying a house here. I set up an online checking account with Wells Fargo because I needed a bank that uses XXXX XXXX for large transfers since my XXXX XXXX could not. I transferred {$65000.00} from XXXX to WF account. I had my wire transfer limit raised from {$5000.00} to {$75000.00} with a daily transfer limit of $ XXXX. I made the first $ XXXX to my wife 's XXXX bank without a problem. But the XXXX one for $ XXXX the next day was flagged for 'security reasons ' and locked. I called XXXX and referred to the 'fraud department '. After security checks they unlocked my account and I made the 2nd transfer again. But that one was flagged again. Later, they said it was because I used the wrong PW. But since I couldn't get in I tried a temporary PW which didn't work and tried both the old and the temp PW 's many times until I gave up. I called to get the account unlocked and was told " We can't resolve this over the phone. You will have to come into a local branch somewhere in the US to resolve this and prove your identity. If my online credentials used for signing up for the account are not enough what can I do. I have made over a dozen calls to different dept 's and spent HOURS on the phone trying to get help -- -including from the Compaint Resolution Team at XXXX. They told me to call XXXX to get help with resetting my PW but they referred me back to the fraud dept. And the circular pattern continued with everyone I talked to and was referred to. And when I tried to reset my password their system blocked me from completing that process. I need to have my account unlocked and my last 2 wires sent before XX/XX/XXXX or I lose my {$300.00} deposit on the house we were going to buy. And if I'm unable to get help reversing this holdup it will cost me considerable money, time and hassles to return to the XXXX and close my WF account and then go thru the emergengy covid measures required by the XXXX XXXX to return with a money order to put directly in my bank in XXXX. Please encourage WF to resolve this ASAP. It's been a horrible and very stressful experience dealing with their unhelpful reps who are unable to resolve a simple issue of correctly identifying a customer. I use " my voice is my passwork ' method.

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 2016-10-30
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I disputed on with XXXX credit bureaus in XX/XX/2016 as not mind. Collection agency at that time was Creditors Bureau USA/c/o Fresno Credit Bureau, now being reported on Credit reports as Fresno Credit Bureau,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We bought a house in RI in  2005 . Our loan was sold. We have refinanced a couple of times, each time with a decrease in appraised value. We are in a reasonably stable   XXXX   RI location. We are facing {$70000.00} in deprecation in our real estate investment. But the current lender gets paid every single month. We ca n't sell, we ca n't expand our house, we ca n't get rid of PMI. We have decent incomes but we are frozen here. I believe in the bubble of the market our original appraisal was inflated and, the lending institution acted gregariously. Can we bring suit against them? Is it advisable to seek legal counsel against the first lender Sovereign bank at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Continued annoyance phone calls twice a day from XXXX, XXXX XXXX from Midland Credit Management. I am not the person they are looking for, I have a different address, different birth date, different SS and they still call everyday, early morning and late afternoon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
TD Bank failed to correctly examine the documentation we provide to them about the dispute. This fact was discovered when we talked to a rep with the Customer Complaints department at TD Bank who was trying to get all the facts of the case after we complained to the Chairman of the bank. The dispute was regarding the movement of household goods through XXXX XXXX XXXX. The company did not deliver all the goods and delivered some goods with significant damage. TD Bank agreed with the false statements XXXX XXXX XXXX made in response to the dispute and did not verify the facts with us. We submitted almost 100 pages of documentation in two separate letters and responded to all the requests made by TD Bank in a timely manner. The time given to us to respond was less than 10 days every time including the time it takes to receive regular mail. While they ignored all the facts and details, their final response to us said they determined no billing error occurred and they rand out of 90 day window to resolve the claim. They failed to examine the all the facts in the 90 days and now are putting the blame on us. The total estimated of the damages is about {$21000.00}. The credit card charge of {$7700.00} we are disputing covers only one third of the damages we incurred. We didnt sign on any receipt which showed we received all the household goods as expected in the same condition as they were packed so how is that charge valid? TD bank was negligent in examining all the documentation we provided in a timely manner and now their excuse is that 90 days have passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Family with similar names and SS that only changes by XXXX-XXXX digit. I 've requested and submitted proof of legal name and SS card and letters to get my credit straight of the past 10 yrs. They just do a quick fix but in less than 3-6 months goes back to square one. It 's affecting me in job interviews, Car loan, mortgage loans and Credit card apps. Do to this commingled info I have to pay Higher IRR and I have a debt ratio so high that I ca n't afford to pay for loans in a fair market.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: General Motors Financial Company, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XX/XX/XXXX, GM Financial under the guidance of XXXX XXXX, repossessed my vehicle even though I had called them and told a representative ( not XXXX XXXX ) that I would be making a payment soon so that my vehicle would not be repossessed. 

XXXX XXXX, a supervisor, still had my car repossessed in the middle of the pandemic. I borrowed money from family and paid the exorbitant fees that XXXX XXXX applied to reinstate my loan. She did this deliberately with the intent to make it impossible for me to recuperate my car. 

I am a XXXX. I only get paid when I work. I did not have a regular XXXX position over the summer. I called GM Financial to inform them that I did not have the money to pay for the XX/XX/XXXX and XX/XX/XXXX payment. The representative I spoke to, informed me that my car was not at risk of repossession. 

I called again and informed them that I was going to start working as a XXXX again and that I would make a payment in XX/XX/XXXX for the month of XXXX and then another payment at the end of XX/XX/XXXX for the month of XXXX. I then asked for more time to come up with the XX/XX/XXXX payment. The representative I spoke to at GM Financial informed me that he was okay with my payment plan and again told me that my car was not at risk of repossession. 

On Tuesday, XX/XX/XXXX at XXXXXXXX XXXX my car alarm went off. I ran out of my home and I did not find my vehicle. I thought it had be stolen because I had already made payment arrangements with GM Financial so I called the XXXX Police and filed a stolen car report. XXXX police officers showed up at my home at approximately XXXXXXXX XXXX to tell me that my car was not stolen but was in fact repossessed by GM Financial. This again under the direction of XXXX XXXX ( the police officers did not tell me this, I found out on my own ). 

I was left with no car to go to work nor to take my XXXX son to school nor his appointments. This has caused me a great deal of XXXX and I could not sleep last night. 

I am certain that XXXX XXXX is singling me out because I am of XXXX descent. I would like to have an investigation done to verify if in fact, GM Financial under the direction of XXXX XXXX exhibited discriminatory practices when they repossessed my car twice even though I have been paying for it for 5 years and I am 75 % done paying off the car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: BYL Collection Services
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice from my credit monitoring service in  XXXX     2017 that my credit score had dropped. When I reviewed my credit reports, there was a company BYL Management Services LLC claiming I owed a collection debt in the amount of {$1600.00} to them. I 've  never heard of this company and have never received any kind of communication from this company about any debt owed to them. I tried to dispute this information with the credit reporting agencies and my disputes of returned with no change. I still have not received anything from this company that I owe them any money or that I ever had an account that went into collections. This is unfair and deceptive as I was  never notified that I had a debt owed or a debt that went into collections. I was never sent any kind of written notice from this company to be able to dispute the debt and get validation of the debt claimed to be owed prior to this company placing a collection account on all  XXXX  of my credit reports, and even still after this being placed on my credit have not heard from this company or been sent any information regarding this debt. This has negatively impacted me, my credit score on all   XXXX   credit bureaus, and financially because I will be denied extension of credit because if this. According to the FDCPA this is a direct  violation of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: ALLY FINANCIAL INC.
State: FL
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:
hi, my name is XXXX XXXX, I was applying for a refinance loan for my vehicle with a company called ALLY XXXX and this company did a 4th time inquiry check on my credit when it must have been one time and not four, this is affecting my credit in a really wrong way, I tried to communicate with the company and they didn't give me any answer.

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 2017-05-26
Company: URS Holding, LLC
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On this date of ...  XXXX / XXXX / 2017  called ...  Alltran Financial, LP  XXXX   XXXX    XXXX   XXXX   XXXX     Rep. took my call ... I, tried to make arrangements of the three options that were giving to me on the statement letter sent to me. I, received this letter on ...  XXXX / XXXX / 2017 . The customer service  XXXX   XXXX  that 's stated on my letter to contact at this number  XXXX . Kept Sta  ting ... That I, had to make a payment ... TODAY.. plus use a account card number ... OTHER THAN A PREPAID CARD TO GET TO THE NEXT LEVEL OF PAYMENT OPTIONS. I, stated to the Customer Service Rep. My letter..DOES N'T STATE THAT I NEED TO MAKE A PAYMENT ON THE SAME DAY I 'M TRYING TO NEGOTIATE A ... GENEROUS SETTLEMENT OPTION!!!!. AND I FEEL MY CONSUMER RIGHTS HAVE BEEN ... VIOLATED AGAIN!!!!.
Yes ... This is not the first time this has happened to me ... So, I 'm asking for your assistance in helping me get this..BALANCE RESOLVED QUICKLY!!!! I 'M ALSO WILL NOTIFY MY ATTORNEY A  BOUT THIS ISSUE ALSO!!!!. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX RE : Afni, Inc ( Debt Collector ) Account # XXXX I received letter from AFNI requesting collection of debt that is not mine. Further, they placed the collection on my credit report with XXXX. I wrote a validation letter, and they did not respond with proof of the debt.

Company response to consumer: Closed with explanation