BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-04
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax, You have listed my personal information incorrectly, I expect this situation to be corrected immediately or I will be reporting you as messing up my personal information for personal gain. You have several things on my credit report that should not be there and without any confirmation of a signed contract from these companies I know for a fact it is illegal for you to list any company with my personal information regarding fraudulent information on my report. I had to file several police reports regarding all of this. My personal information was stolen and used several times which created a nightmare for me, I will not be harassed or treated this way by either you or any other company that deems this ok to use my report for personal gain in anyway whatsoever. XXXX XXXX I never opened this account in XX/XX/XXXX Pls. send the signed contract with my name or it or -- -Pls. remove this IMMEDIATELY XXXX XXXX who is this?? No address, No contract, No signature, again- Pls. remove this IMMEDIATELY XXXX XXXX Who is this?? Equifax if you dont have a contract for them either then, Pls. remove this IMMEDIATELY Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXXXXXXXXXX Consumer Affairs pls. looking to this information since Equifax seems to think it is ok to put peoples personal information on their site without any proof of records.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2022, XXXX XXXX made a soft inquiry on my Experian credit report without my authorization, permission and/or permissible purpose. I do not and have never had an account or any business with XXXX XXXX. Nor have I even given XXXX XXXX permission to obtain/pull my credit report in any manner, whether a hard or soft inquiry, XXXX XXXX had absolutely no permission nor authorization or permissible purporse to pull and/or obtain my credit report from XXXX or any other credit reporting agency/company. This is a clear violation of 15 U.S.Code 1681b and illegal.

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 2020-09-11
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX  reported Commonwealth debt on my report. It is a medical hospital debt and I have not received notice from Commonwealth of this debt. It just showed up on my report. I shouldve received notice that this was a debt from this company or from the hospital but I called several hospitals to see if there were outstanding bills since I have had a lot of medical issues in the past but I never received notice of any. I asked if it was turned over but never received notice of this debt from this company if so O wouldve made right on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital one credit card company put me into a program that I was told would freeze the interest while I pay off the card. At no time during the phone call or acceptance into this program was I ever told that things would be Taken from me for signing up for this program. I finally got the entire {$9000.00} paid off and then they turn the XXXX around and send me another bill for interest. XXXX is going on here? If I am forced to acquire a lawyer I will refuse all settlements and take it to the jury for a decision in a speedy trial. I am tired of companies taking, taking taking, Dam it. This is wrong and needs to stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
The problem started on XX/XX/2022. Someone took money for my business account 2 times with a first quantity of XXXX with a fake bank check and the second quantity was about XXXX, XXXX. It was a tranfer money. And in XXXX of my personal account they tranfers money to anocher bank that I never heard about that bank with the quantity of XXXX and in the other personal account they are doing XXXX with the amount of XXXX, XXXX, ect.. without my aouthorization. 
They also opened account under my name in XXXX  XXXX where I never have any account with that bank and making transfer money to one of my personal Chase Bank to a XXXX XXXX, and there are also several accounts under my name that I never make them such as XXXX XXXX. I report all that situation as a fraud with a Chase Bank, XXXX XXXX  and XXXX XXXX and they are under investigation. XXXX XXXX  is another bank that transkfer XXXX dollar form my Chase personal account to their account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-04
Company: EQUIFAX, INC.
State: CA
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:
I am currently applying with my bank, XXXX  XXXX XXXX, to refinance a property in XXXX XXXX. My representative total me what my credit scores are and I was suprised because they greatly differ from the scores provided to me by XXXX. XXXX  said that my score was XXXX before the lender pulled the score and after the lender pulled the score. I also asked a second lender who performed a soft pull (? ). Both of these lenders received a score of XXXX for XXXX. Even Equifax ( XXXX to the Banks and XXXX to me ) and XXXX XXXX ( XXXX to the banks and XXXX to me ) scores were different than the score given to me. Both banks received the same score - XXXX. 

Note, I paid XXXX  to see what your lenders see. Yet, the scores given to me were remarkably different that the scores given to the two banks. I dont know how this is not fraudulent. 

This has resulted in a higher interest rate of a {>= $1,000,000} loan, very frustrating. They tell you that you can " see you credit score, '' however, this is meaningless if the credit score they show you is different than the credit score that they supply to others. I am sure there are people who have paid these credit reporting agencies to access their files and to raise there scores ( At least that is what they advertise to borrowers. ), yet the information provided is not accurate and is horrifically misleading. I am sure that many borrowers are mystified when they are denied loans. All the while, these credit reporting agencies are raking the money in from millions of people with false hopes of being able to see what the lenders see. 

I have tried to reach XXXX, but their numbers are automated, recorded responses. There is no option that provides a human on the phone and no choice for a disparity between the credit report given to the lender and yourself.I have written a letter, and have not received a response. I asked my Bank to inquire why there is a difference and the bank said that it is always different. How is this OK?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On Friday, XXXX XXXX, 2015, I had a balance of XXXX in my checking account with TD Bank. During the course of the weekend, there were XXXX withdrawals made by me for {$20.00} each ( total of {$60.00} ) which were deducted immediately from my balance, leaving a balance of {$84.00}. On XXXX, XXXX XXXX, 2015, a check from my insurance company was presented for payment to TD Bank in the amount of {$660.00}. This was submitted earlier than it should have been. Upon checking my account online on Monday morning, I discovered that TD Bank had charged me not only the {$35.00} overdraft fee ( which I was willing to take responsibility for ), but XXXX additional {$35.00} charges for the XXXX withdrawals made over the weekend, a total of {$100.00}. 
I contacted the manager at TD Bank. She explained to me that even though the withdrawals were made over the weekend AND they were immediately deducted from my balance AND they were made before the insurance check was submitted for payment, the insurance check is processed XXXX because they go from largest to smallest. As a result, the debits were deemed insufficient funds and I was charged the {$100.00}. I advised her I was more than willing to take responsibility for the overdraft on the insurance check, but to charge me the additional {$100.00} was completely ridiculous. She refused to refund those fees. As a result, my account was now seriously overdrawn and continued to remain overdrawn. They continued to process things through my account, XXXX and XXXX times, continuously charging a fee every time. 
I am a XXXX XXXX mother, supporting my household on my own. I did not have the additional {$100.00} to deposit into my account. I explained this to the manager who could have cared less. To me {$100.00} is a lot to come up with. I subsequently did not use the account after that time. 
From the beginning of the initial overdraft, TD Bank has charged me {$260.00} in overdraft charges. I am now receiving letters threatening a collection action if I do n't pay the negative balance of - {$360.00}. I have had this type of problem before with TD Bank and it was resolved in my favor. I have not been a customer of TD Bank for a few years and recently went back because my pay check is drawn on that bank and I was being charged {$7.00} every time I wanted to cash my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX XXXX Good day. I am experiencing fraudulent and deceptive practice with synchrony bank Care credit account. When I was given this account with XXXX XXXX in XXXX XXXX. I was told that the purchase would be around {$1400.00} and if I use care credit, I would pay around {$1700.00}. I would be paying Somewhere between {$300.00} and {$400.00} for interst. That is a high interest, but I was willing to pay that amount. I have made monthly payment never missed a payment and now I am being charged almost an additional {$450.00} interest. Thats almost {$800.00} interest on a {$1400.00} dollar purchase. THIS WAS NOT DISCLOSED TO ME, and In Retrospect my monthly payment was made in a way where I wouldnt pay it off before the time when they were allowed to charge this additional interest, unbeknownst to me. This should be illegal and I am shocked and dismayed that banks are allowed to take advantage of consumers in this manner. What help is available for consumer protection from these fraudulent practices from greedy corporations. This should not be allowed. Many of us are facing financial hardship in this time and to have salt poured into our wounds is absolutely disgraceful in every way possible. Please help. 


Sent from my 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 monetary relief
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this 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 XXXX 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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Portfolio Recovery LLC, In their response dated XX/XX/XXXX regarding disputed account # XXXX claimed that they fully validated they alleged debt, however : 1. The highest balance on XX/XX/XXXX-XX/XX/XXXX  statement of {$2600.00} does not match the amount that you claim of {$3400.00}. Please explain the difference and how you calculated the amount of {$3400.00}. 2. They did not enclose the original application with my signature - please provided it. 3. The date of First Delinquency with original creditor is not provided. 4. The end of the 7 year reporting period is not listed. 5. Date of first Major Delinquency is not listed. Please provide this. 6. Charge off Amount is not provided. Please provide this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
T.D. Bank N.A. failed to provide me with a statement or bill for a credit card that I hold with their company. T.D. Bank N.A. then applied late charges while still failing to notify me in any manner that there was a balance on my account, and failing to notifying me of the application of late charges ( email, mail, phone, etc ... ). T.D. Bank N.A. then reported my account as delinquent to all major credit bureaus while still failing to notify me in any manner ( postal mail, email, phone, etc ... ) of the balance or delinquency. T.D. Bank N.A. still has not contacted me in any manner : the delinquency was reported to me by a third party ( XXXX ) which notified me of a drop in my credit score ( from XXXX to XXXX ). I learned of the score drop on XXXX/XXXX/16 and called T.D. Bank N.A. on XXXX/XXXX/16. T.D. Bank failed to acknowledge that it owed me any duty to supply with a statement and claimed that it did, although the company failed to do so. I called T.D. Bank N.A. again on XXXX/XXXX/16 to obtain a copy of the past 4 statements, which I have not received, so that I may request a correction to T.D. Bank 's reporting of delinquency to the credit bureaus, as well as to include in a report to the credit bureaus. T.D Bank first attempted to charge me {$7.00} per statement, although the statements were never initially provide. T.D Bank then finally agreed to waive the fee for two statements, but refused to waive the {$7.00} for the remaining two statements. T.D. Bank N.A. has created a system where they fail to notify customers of charges in order to charge as many fees as possible. This has caused graved economic effect to my credit score, exclusively as a result of T.D. Bank 's dubious, unethical, and likely illegal business model. The charge in question was a singular, automatic charge of under {$10.00}. The credit card is otherwise entirely unused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I had a XXXX money order stolen from the mailbox in 2014. It was deposited in and cashed at TD Bank. I have been trying for almost 2 years to get my money back from the bank. XXXX has sent TD Bank several letters with proof that it was stolen but the bank has been ignoring the letters. I have contacted the bank and they refuse to give me the money back. I am inclosing all of the correspondence between myself, XXXX and the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-04
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
( The options previously listed really didn't capture my experience ) I've been a long-time XXXX XXXX customer. I've had at one point 7-8 different lines from a family plan and have paid on average {$6000.00} per year on our cell/device bills alone. We've slowly been taking lines off of XXXX because the customer service and care has vastly deteriorated. 

In early XXXX, I decided to switch my father from XXXX XXXX to XXXX XXXX. I kept my line with XXXX  in the meantime. My father 's final bill was due in early XXXX and less than 23 days later, XXXX had already sent my father 's final bill to collections ( CBE Group ) which apparently is XXXX 's internal debt collection service. 

I didn't receive any phone calls, e-mails, anything reminding me that we were past due. The bill was not even 30 days past due and they had already sent it to collections. Mind you, when I did receive a letter, it was around XX/XX/XXXX ( approximately ) and the phone calls began a few days later. This is nearly a full week + after the lockdown from the Coronavirus had already been ordered here in the XXXX XXXX ( CA ). I don't even know if I'll be able to make my next mortgage payment or property tax bill and XXXX  has the audacity to send my bill to collections at a month past due? 

I've reached out to XXXX customer support online and they didn't bother to do anything. I spoke to someone on their management team who said they would get back to me with some logical explanation. They did acknowledge that being sent to collections not even 30 days past due is not normal. I'm sure I'm not the only person who is in this situation. A lot of people are struggling and their choice to send me to collections after years and years of giving them my business is hurtful and adds undue stress. 

I have since disconnected my line and transferred my phone number out. I refuse to continue to give them my business. CFPB and other consumers should know that in this day where lendors and creditors are issuing payment deferrals and mortgage forbearance, XXXX won't hesitate to send your bill to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Contacted at my place of employment, by TD Bank collections department after numerouse ( and documented ) requests to contact me on my cell and not my employer. Background : In XXXX of 2015, prior to the XXXX XXXX mortgage payments due, I contacted TD Bank requesting asssistance on my mortgages ( both XXXX & XXXX ). I have all the emails and have recorded all phone calls ( after disclosing I was recording ) in which it is clear I directed TD to call my cell. On XXXX/XXXX/15 I received an email, from a co-worker saying that an XXXX XXXX from TD was calling different departments at my employers trying to reach me. When I returned the call, TD told me that they had no other contact information for me. Again, I can support with emails and recorded phone calls, my contact information of my cell phone. I again asked TD not to contact me at my place of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a XXXX XXXX XXXX on XXXX/XXXX/XXXX I have transfered money into my mothe account XXXX XXXX XXXX XXXX with XXXX BANK. 
I just found out the money went into a different account, and Bank Of America refuses to help me I have spent the whole day over the phone I XXXX went in perosn to the local bank. 
and they did nothing so I m lossing my {$500.00} dollars even do they know it went into a different account. 
I do need this money I have no money. 
XXXX XXXX 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 explanation