BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-24
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased US Bank prepaid Mastercards # XXXX, XXXX and XXXX with initial value of {$200.00} in XXXX XXXX. I opened packages with these cards in XXXX XXXX and discovered that money has already been stolen from these cards in XXXX XXXX! I submitted a dispute form to the bank, however they responded that it has been more than 120 days since fraudulent transactions were charged to my cards therefore they cant help me and I need to contact the merchant. I contacted one of merchants ( XXXX ), they found these transactions and said that money have been transferred to a fraudulent XXXX account. They suspended that account, but according to XXXX they can refund money only when they receive appropriate paperwork from my bank. However, the bank is not willing to help me to return my money because it has been more than 120 days.

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 2019-12-26
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

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 XXXX XXXX cause i feel someone is taking advise of me and my credits. So i did contact paypal to solve my billing and they contact the bank to filed complaining. 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.

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 2017-04-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a joint checking account with TD Bank. The other person on the account cashed a check without my authorization. When I called TD Bank I was also told that the other person can take all of the money out and close the joint account without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Alorica Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received a 30 day notice informing me of this debt. Never got the chance to pay it or validate the debt, if just showed up on my credit report. When I disputed it with XXXX, I gave them my address and telephone number and still received nothing.

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 2022-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
In XX/XX/XXXX, I was gifted a Bank of America Prepaid Card ( {$100.00} ), but I never agreed to the terms set in their Cardholder Agreement. I would like a check for this full amount, since I will not accept the terms in said agreement. 

In Section 1. GENERAL INFORMATION, it states : " By accepting and using the card, you agree to be bound by this agreement. '' I never activated, signed, or used this specific card ; therefore, I am not bound by any terms in said agreement. 

I contacted Bank of America in XX/XX/XXXX, but they refused to compensate me, claiming the funds on the card hard expired. Instead, they issued me a new card with an available balance of {$0.00}. 

But by the language in their own agreement, I am not bound the terms, including specifically their unreasonably short horizon for card expiration and seizure of funds. Therefore I am seeking recompense for the original {$100.00}.

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 2022-01-21
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After being in the XXXX for 3 months and getting out explaining the situation with the company they still illegally repossessed my vehicle. I told them about the laws that our state had in place to protect XXXX victims and they still proceeded to repossess the vehicle. They also reported false information and a false address on my credit they never notified me of anything pertaining to the vehicle until after they took it and all my things. All my personal belongings is in the vehicle. I paid {$2500.00} pre payment to allow me some time since I was having a XXXX not knowing I was going to stay longer due to XXXX. Everything that they were saying about this company in the lawsuits are correct they changed my vehicle price and loan information to be feasible to them. The money orders my XXXX and identification is in the car along with other valuable things. Still to this day I have not received notification that they have my vehicle. In Georgia they must notify customers within 10 days via certified mail for repossession and I was not even supposed to be repossessed. Horrible customer that tries to get over on everyone. Their business is about to go down forever for the wrongful business they have been conducting. A

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Netspend Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On Weds, XXXX XXXX XXXX I checked my Netspend XXXX account and verified that it had {$30.00} in it and by Friday, I reloaded it with roughly {$37.00}, to ensure that I had enough to clear the {$50.00} I for an expenditure that needed resolving. When I rechecked my account on Saturday ( this last weekend ) I was stunned that I only had {$46.00} in my Netspend XXXX account, not the minimum of {$50.00} that I verified, knowing that the {$37.00} had cleared yet and would have raised the account to approximately {$60.00}, maybe {$65.00}, since I had not spent any of the account between Weds to Friday. I called the customer service number and they replaced {$4.00}, raising the amount to {$50.00}, leaving me still thinking I needed to wait for the {$37.00} to clear. 

On Monday, XXXX XX/XX/2022, I call Netspend XXXX to verify that the {$37.00} has cleared which would place the account at {$87.00}, only to verify that I have {$1.00} in the account. Since I only spent {$50.00} on Saturday, on the expenditure that I needed to clear, where did the remaining {$37.00} go that should have cleared by now? The Netspend XXXX managers wont answer my constant calls to their customer service XXXX number and their phone reps use every avoidance tactic possible, to refuse me my right to resolve this accounting failure on their part, with them trying to hide behind accounting practices they claim they are trained in, by refusing to admit that what they see on their screen is absolutely accurate, with me refusing to let them get away with claiming my accounting is wrong, even though Ive pointed out where they are wrong ; the phone reps and managers put me on hold, indefinitely, knowing that their phone system will terminate my call after 10 minutes on hold.

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 2021-04-22
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX Credit card account used to apply fraudulently for a line of credit for a loan from the US Gov small business association and opening a credit card account with Wells Fargo

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 2019-12-26
Company: Experian Information Solutions Inc.
State: AP
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX used to provide Credit Monitoring through Experian. These services are no longer available and XXXX has said that Experian has resumed providing the services. I am not able to access Experian 's website. Using their password reset link does not send the e-mail as stated to the e-mail address they have on file. I have been unable to reach an actual human being at Experian when attempting XXXX, XXXX, XXXX, and XXXX. Each attempt is costing me several dollars as I am calling international from my overseas assignment in XXXX, XXXX. Experian continues to charge my XXXX account for {$12.00} monthly and is not providing the services paid for.

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 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 hav
e disputed the accounts that are reported by XXXX XXXX XXXX XXXX XXXX. This department constantly reports inaccurate information on my credit report. Due to XXXX XXXX XXXX XXXX XXXX XXXX failure to report accurately, my rights are being violated under the Fair Credit Reporting Act. This is directly affecting my credit report making it impossible to obtain credit.
The violations committed against me are : 1. XXXX XXXX XXXX XXXX XXXX supplies false reporting * I have made documented monthly payments for the last 5 years that have not been reported * The agency does n't reflect payments made and marks them as being 120 days late.
* XXXX XXXX XXXX XXXX XXXX marks major derogatory marks, even though payments are being made.
* XXXX XXXX XXXX XXXX XXXX has changed the the account open date from XX/XX/XXXX to XX/XX/XXXX.
2. XXXX XXXX XXXX XXXX XXXX does n't respond to disputed information request * I sent a certified mail account dispute letter that was received on XX/XX/XXXX and signed for by an employee. Today is XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX still has n't responded to my request. This is a duration of 167 days that far exceeds the 30 day requirement by law.
After I sent these dispute to both the XXXX XXXX XXXX XXXX XXXX, it seems the agency has retaliated against me by placing these negative marks and changing the account opening date on my credit reports. For the last 5 years I have been paying the required amount that was submitted to my employer. These payments have come directly from my payroll. I have disputed this information with Transunion, XXXX, and XXXX. All three have failed to follow up and pursue accurate information, even though I have sent paystubs for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX through the month of XX/XX/XXXX. I have included all the documents that have been sent to the credit bureaus and the XXXX XXXX XXXX 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
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. Here are the list of items that needs attention in my credit report : XXXX Account Number : XXXX ; XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2022-01-21
Company: Self Financial Inc.
State: TX
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:
Payment was due to Self Lender credit app, which I have auto payments activated and two forms of payment set up. Primary form was my bank account ( routing number and checking account number ), and the second form way my debit card directly linked to this bank/checking account. The auto paid amount declined, which I later realized it was due to my putting in the incorrect bank information, and my debit card ( my 2nd form of payment ) was never tried. It was immediately declared a missed or delinquent payment and dropped my credit score around XXXX points. Ive been building my credit score for years m, working very hard and had successfully went from a XXXX to a XXXX, which took over two years to get accomplish. Then with this one missed payment, which I manually had to pay upon swing the dramatic score drop and realizing something had gone terribly wrong, erased an entire years work of credit building. Im a single mom, who doesnt receive court ordered child support and I work full time. Im trying my best to get a home for my son and I. But now, I dont even qualify to have a conversation with lenders such as XXXX because my credit score is below their minimum of a XXXX. Had Self used my second form of payment when my first form declined, the payment would have gone through. Theyre supposed to help build your credit. Thats there XXXX. and entire purpose of existing. All theyve done is ruin mine. Please help. Ive disputed time and time and time again to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Experian Information Solutions Inc.
State: MO
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:
after disputing the following debts with Experian 4 times and XXXX and XXXX 3 times they have came back as saying verified but have shown no proof of how this debt was verified there are strict requirements how debt must be verified. The Fair Reporting Act ( FCRA ) requires the Credit Bureaus ( XXXX, Experian & XXXX ) to have PHYSICAL COPIES in THIER files of documentation to support each account being reported. NOT THE CREDITOR, THE BUREAU Under the FCRA, Credit Reporting Agencies ( Experian, XXXX & XXXX ) must provide a copy of the verifiable original creditor documentation if it is requested properly by the consumer since XXXX, XXXX & Experian can not provide proof of verification to me in the form of a physical contract document per written request to do so- the account is classified as " UNVERIFIED '' and under the FCRA- all UNVERIFIED accounts MUST BE DELETED. The FCRA reqires that all Credit Reporting Agencies or " CRA 's '' VERIFY ALL INFORMATION received from creditors BEFORE this information is added to my credit file. Proper verification According to case law the CRA/Bureau must have copies of the ORIGINAL SIGNED APPLICATION in THEIR FILES! FAIR CREDIT REPORTING ACT. by providing all of this information, there is no question that i am the one making the written request. i request that XXXX XXXX XXXX And XXXX XXXX XXXX  be removed from my credit reports.

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 2022-05-02
Company: Experian Information Solutions Inc.
State: TX
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:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

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 2018-03-07
Company: Experian Information Solutions Inc.
State: NY
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 account was paid in full and closed buy the consumer it was never late are Charge-off XXXX   XXXX XXXX XXXX  Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid satisfactorily Status Updated XX/XX/XXXX Balance $ - Balance Updated - Credit Limit {$7500.00} Past Due Amount $ - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, DE XXXX Ownership Joint Account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History

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 2022-01-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in the process of trying to refinance a home using PennyMac. I have paid the down payment of $ XXXX for the appraisal, and in midXXXX XXXX an appraiser came to the home. He was here very briefly and spent most of the time outside. He took a few pictures inside and left, XXXX minutes outside the home, XXXX minutes inside. The home appraised for AT LEAST {$35000.00} below its value. This is because he appraised it as a XXXX bdrm, XXXX bath home with a den, when in fact it is a XXXX bdrm, XXXX full bath home. He missed taking a picture of the main water heater. He missed taking a picture of one of the bathrooms completely, and substituted one he found on the internet!! The bedroom was missed because he stood in the doorway to take the picture. After the appraisal was complete, I contacted the loan XXXX about the errors that were made. He asked for pictures of the rooms and anything the XXXX missed, which I sent, and promised to have their appraisal department look into it. This has not happened. My complaint with PennyMac is, they have ignored me, they've lied to me and they've cost me a great deal of money. I get inconsistent information from each person when they call, different closing amounts and different or no information about the appraisal. When I'm on the phone with them they don't listen, are rude, and talk over me. They are requesting {$38000.00}? {$34000.00}? be brought to closing, I don't even know. This is how inconsistent they are. This is ridiculous. I've asked them repeatedly to correct the appraisal and I am constantly getting the runaround. Today, XX/XX/XXXX for the first time they suggested I talk to the XXXX myself. This is not my job. They hired the XXXX, it is PENNYMAC 's responsibility to remedy the grossly incorrect appraisal that was done. Later in the day, another person called to tell me that Pennymac and myself have to accept the appraisal as is regardless of the mistakes, and that PennyMac does not have an " appraisal department ''. And further they have asked repeatedly for proof of funds to close, which I have provided repeatedly to different people. I took money from retirement, and paid taxes on it. I am regretting having done that, I am regretting having chosen PennyMac.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # : XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief