BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-26
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XX/XX/XXXX There is a long history of problems with TD Bank and it 's branch managers here on XXXX XXXX. XX/XX/XXXX do nothing to redress complaints and our experience with the executive branch is that they ignore written complaints, despite any evidence that they have done wrong. We 've had trouble with previous " Retail Managers '' ( TD considers their banks to be just stores, like XXXX. But our experience is that XXXX is more responsive to consumers and attempts to rectify problems, not inflame them. Unlike TD Bank. ) Most recently, XXXX XXXX, Retail Manager of TD Bank on XXXX XXXX, denied culpability for wrongful and excessive overdraft fees, stemming from events on or about XX/XX/XXXX, which of course then created a cascade of shortfalls which accrued to the wrongful benefit of TD in permitting them to collect more fees than they were entitled to. Despite conflicting information from the branch employees, and the back office " in New Jersey '' about why the fees were charged, then changed, apparently both in violation of bank practices and policies, TD also does not provide transparency about account charges regarding overdraft fees and there was no way anyone checking the online banking version of our account could see the same information that the TD back office and branch employees saw, thereby deliberately preventing account holders from seeing the service charges and activity that TD saw. <P/>Further, TD violated their agreement with account holders to provide fee free checking by imposing a {$2.00} paper statement fee, which XXXX denied was a service account fee in violation of the contract with account holders, but which is exactly that under the cheap masquerade of a different fee label.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2021-04-17
Company: Santander Consumer USA Holdings Inc.
State: LA
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:
Santander states that the reported date of first delinquency is XX/XX/XXXX. The statute of limitations is determined by adding 7 years to the date of first delinquency and that it will remain on my credit report until XXXX XXXX. BUT Santander failed to update and report my payment history from XXXX XXXX XX/XX/XXXX its left blank, but Santander XXXX an on time payment at the end of the year in XX/XX/XXXX. Why is that? I can tell you why because by reporting that payment history from XX/XX/XXXX that will be pass the statue of limitations. This account is Outside of the statute of limitations on collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-27
Company: Second Round Limited Partnership, Austin, TX Branch
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
SECOND ROUND LP is attempting to collect on a debt that I do not owe. I was never aware that I had this debt. I did not receive any phone calls, or anything in the mail about the debt. I notice this debt recently when I pulled my credit. I immediately took the initiative to call & & pay the debt. I am demanding that they stop reporting this debt on my credit file.I do not owe the debt, and they are also in violation of my 30 day right to dispute, per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have contacted EdFinancial numerous times in refunding payments made to my federal student loans ( due to the Cares Act refund policy ) and have the balances to those payments reinstated reflected on my account. There are 2 separate payments of the amount for {$3500.00} and {$1600.00} both made on XX/XX/2021. EdFinancial seems to be the only lender that has been completely unhelpful in the process of refund while others are reflecting a much quicker lead time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: CT
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 # 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 response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Bread Financial Holdings, Inc.
State: GA
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:
Due to the unsuccessful  XXXX   XXXX   XXXX  Credit Card, Comenity sent letter to all cardholders that effective  XXXX   XXXX ,  XXXX  the credit card will be closed and no purchases will be accepted. We were told to contact any creditor that had reoccurring charges with  XXXX   XXXX   XXXX  credit card and provide a valid Credit Card. I had no reoccurring charges and I have destroyed the card. On  XXXX ,  XXXX  and  XXXX  Comenity has charged my closed account  XXXX  each month for  XXXX  that I cancelled in  XXXX   XXXX . I called Comenity early  XXXX  about the charges and they indicated it was done in error and reversed the charge for  XXXX . The supervisor assured me that they would not accept anymore reoccurring charges, however most recently I was charged again another  XXXX . I am being charged interest on this account and Comenity continues to accept charges on this closed account and I 'm getting the runaround when I called customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: WELLS FARGO & COMPANY
State: AL
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: Was not notified of investigation status or results

Complaint:
I have been trying to resolve negative accounts on my credit report. Due to lack of proper investigation and communication I am requesting that this negative account be removed from all three credit bureaus. I have contacted this company multiple times for verification and validation and I have never received the information requested. I am in the process of shopping for a mortgage and this unverified and un-validated account is preventing me from purchasing a home for me and my children.

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 2022-09-05
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The only address that is accurate on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX These addresses were used by fraudsters and need to be removed so my personal information is not mailed there anymore so No body will have access to my information or the ability to have access to my credit again XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My name is spelled XXXX XXXX I never used or applied with the following spelling below and should be removed and deleted Incorrect spellings of my name XXXX XXXX XXXX XXXX XXXX And I have a outdated job listed I try to remove several times which is listed below I would like removed and deleted XXXXXXXX XXXX XXXX This is my correct cell phone number XXXX These phone numbers listed below are inaccurate and are not mine XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: NY
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:
In XX/XX/XXXX I filed a complaint with XXXX, XXXX XXXX, Experian and I didn't receive a response back until back until XX/XX/XXXX. This date is way passed the 30 days time frame allowed. I am requesting these following items be removed from my report 1. ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account is duplicate with multiple listing as open error please delete inaccurate. Below are the CFPB confirmation numbers to my claim. 

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 2017-06-27
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The beginning of XXXX 2017, another individual used my information ( Name, address, social security ) to apply for multiple new lines of credit. Whilst most of them got denied by using proper security checks, two credit  card companies allowed this individual to successfully open a credit card using my information. Here is the info that I have from my XXXX report : 1 ) Barcalays bank :  Account Number : XXXX 2 ) XXXX/XXXX 's : Account Number : XXXX As soon as I realized these accounts were opened, I put in a dispute with XXXX. I also opened an account with XXXX. Using their recovery program and by contacting both Barcalay 's Bank and XXXX 's myself, I was able to get XXXX 's removed from my credit report. However, Barcalay 's bank is not working very well with me. I have called them myself and when I give them my information, name, social, etc.. They continue to tell me they ca n't find my account information. I have also mailed them multiple times. Then I received a call at my grandparents house, where I do n't even live, from Barcalay 's bank asking me by name because my account is overdue ( they were calling every day for about a week ). Luckily I was there one day when they called and I explained the situation to the representative and she said she was going to transfer me to the " security team. '' I then waited on hold for a couple of minutes then the line went dead. I called them 3 times since and each representative still tells me that they ca n't find my account by using my name or other info, but yet they called a relatives house and were asking me by first and last name. The next step on my identity theft recovery program is to put in a complain with you.

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 2017-06-27
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To XXXX XXXX XXXX XXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Any Credit application that was used to open this account that you claim i owe with my signature attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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  Account # 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
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: CT
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 XXXXXXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi there, I applied for a credit card " Discover it '' from Discover on XX/XX/XXXX and got approved on XX/XX/XXXX. Afterwards, they asked me to file an XXXX form and upload a picture of my SSN card to verify my information. I filed the form and submitted the picture. However, afterwards, I got informed by my employer that the information on my social security records was incorrect. 
I called Discover that my date of birth was wrong on my social security records and telling them I will update my information on social security records as soon as possible. They told me that as long as it can be fixed by XX/XX/XXXX, it would be fine. However, on XX/XX/XXXX, I received an email from Discover telling me that my account was closed because of not abling to verify my information. They closed my account and will report the account closed by creditors to credit bureaus, which would hurt my credit score a lot. 
I called them several times telling them I've already corrected my information on social security records. They refused to verify my information for me, and insist that I can only re-apply the account again. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: Utah Loan Servicing, LLC
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a mobile home in XX/XX/XXXX for {$18000.00} at my first duty station. I payed {$240.00} a month for the time XXXX XXXX XXXX XXXX/XXXX  handled the mortgage. During the five years I had the mortgage I was never late in making a payment. When I received orders to a new duty station inXX/XX/XXXX I had to complete a short sale of the mobile home with a third party. The short sale yielded {$10000.00}, enough to pay off the principal of the XXXX XXXX mortgage. They agreed to the pay off amount and accepted the payment. Over the past 19 years XXXX XXXX has changed hands and had a class action lawsuit levied against them. They hit my credit report with an amount that was supposed to reflect the fees, accrued interest etc. inXX/XX/XXXXafter they had agreed to the pay off amount and accepted payment. The normal period of reporting unpaid claims is seven years. I worked with legal counsel several times from XX/XX/XXXX - XX/XX/XXXX to get the negative reports removed. Once the negative reporting dropped off my credit report I was relieved and thought the issue was behind me. Recently my credit report has been hit again from UTAH LOAN SERVICING LLC asking for payments against a 19 year old mortgage that was settled. I do n't have any of the original paperwork from XXXX XXXX/XXXX after 5 moves and 7 years of bad credit reporting to show that the mortgage was settled. UTAH LOAN SERVICING LLC has never attempted to contact me via phone, mail, email or any other type of communication. I feel that they are a predatory company and do not have the right to take action on a claim that is over 19 years old. My home of record, for military service, has always been Missouri and after reviewing the Missouri Statute of Limitations on Debt Collection ; I feel that this debit collection is illegal. I am submitting a complaint to get UTAH LOAN SERVICING LLC removed from all of my credit reports and to provide information to others that my have the same issue. I am enclosing a snap shot of the current credit report entry from UTAH LOAN SERVICING LLC : As of XX/XX/XXXX Account name : UTAH LOAN SERVICING LLC XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number : XXXX Recent balance : {$6000.00} as of XX/XX/XXXX Date opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX ( Financial ) Status : Collection account. {$6000.00} past due as of XX/XX/XXXX.
Type : Mobile Home Terms : XXXX Months On record until : XX/XX/XXXX Credit limit or original amount : {$18000.00} High balance : $ XXXX  Monthly payment : {$0.00} Recent payment amount : {$0.00} Date of status : XX/XX/XXXX First reported :XX/XX/XXXX Responsibility Individual : XX/XX/XXXX - XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: CBC Companies, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I never gave Innovus my consent to report any of my nonpublic private consumer information. This is Identity Theft and I hereby Opt-Out of any consent for Innovus to report my nonpublic private consumer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I didnt even realize that this collection agency was trying to collect this debt. Recently received notice that they are repeatedly reporting this on the credit bureaus twice a month as if new. This has dropped my score by 150 points from flagging chapter XXXX dismissed repeatedly. I had no knowledge of the debt owed to them. My debt was satisfied with a 1099c from original debtor. I do not owe this company and now they are abusing my credit report. I have uploaded pictures of the 16 times they have flagged my credit over the last 8 months. This amount isnt even the amount I originally owed the original creditor, it is more

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on XXXX a person was said to sell concert tickets, i asked for receipts to see if they were real. she used someone elses receipts and said that when i sent the money shed transfer the tickets over. i believed her we exchanged information and all, then the next day i see on XXXX XXXXhat the account was suspended and i asked her but she never said anything. it wasnt until i told her that i will make a complaint she made fun of me for scamming me and wont send me the money back. 
i called my bank and zelle but they said they will submit a claim but most likely wont get the money back.

Company response to consumer: Closed with explanation