BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THIS IS THE SECOND TIME FILLING WITH THE CFPB AGAINST TD AUTO FINANCE. I HAVE SOUGHT LEGAL ACTION AGAISNT THE COMPANY AS WELL. 


THIS IS FOR RECORD OF ATTORNEY. 

RECORDED PHONE CALLS AND EMAILS WILL BE SUBPOENAED. 

2 YEARS LATER AND TD AUTO JUST REPORTED TO MY XXXX XX/XX/2022 THAT I AM 18 MONTHS LATE YET XXXX AND XXXX XXXX SHOW CLOSED ACCOUNTS. 

ALSO I AM A FINANCE MANAGER AT A XXXX XXXX. I AM WELL VERSED IN AUTO LOAN CONTRACTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/XXXX I started receiving alerts from XXXX and Equifax that a collection was added to my credit report from XXXX XXXX in the amount of {$1200.00}. I have never heard of them, was never notified by them in ANY form in regards to the inaccurate information they put on my credit report. The inaccurate information on my report says the they are a debt buyer who has this item listed me as individual responsibility which is incorrect. It also says the credit limit is {$1200.00} which is incorrect, I had no credit limit with them. It also says terms are for 1 month which is incorrect. It also says date of status as XX/XX/XXXX. According to the Fair Credit Reporting Act, anything reported on my credit file MUST BE ACCURATE IN ITS ENTIRETY OR BE REMOVED. THE FAIR CREDIT REPORTING ACT STATES ANYTHING THAT IS INACCURATE, INCOMPLETE OR THAT CAN NOT BE VERIFIED MUST BE REMOVED. XXXX XXXX, Equifax, XXXX  has violated my consumer rights in a scare tactic to force me to pay them monies they are not owed. I do not have any business with them nor did I authorized any company to sell or use my social security number to access my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
a ) The Morning of XXXX XX/XX/2021 Checked my account and noticed unauthorized charges XX/XX/2021 XXXX XXXX XXXX XXXX, {$9.00} XX/XX/2021 XXXX XXXX XXXX, {$380.00} XX/XX/2021 XXXX XXXX XXXX, {$53.00} b ) Immediately called chase, c ) Talked to chase they closed my account and sent me out a new card d ) the next day i noticed charges still on my account so i called again e ) they said charges will be removed soon f ) few days later charges are removed. 
g ) got my new card activated thought everything was fine. 


h ) XXXX XX/XX/2021 i received an email ( We posted a new notice or letter in your Chase XXXX app and at chase.com/statements. ) I ) Your account ending in XXXX Dear : ( My Name -- -- - ) Thank you for contacting us on XX/XX/2021 about an unauthorized transaction on this credit card account. We completed our review and would like to share the results of our investigation. 
You can see this in your balance now at chase.com and on one of your next two billing statements. 



You are responsible for the following transaction ( s ) Transaction Description Reason XX/XX/2021 XXXX XXXX XXXX XXXX  You received benefit from this transaction. 
XX/XX/2021 XXXX XXXX XXXX XXXX You received benefit from this transaction. 
XX/XX/2021 XXXX XXXX XXXX XXXX You received benefit from this transaction. 

j ) Charges were added back to my account stating i received benefit from this and transaction ( I DID NOT ) k ) called chase again and now i guess a re investigation said i will get a call l ) XX/XX/2021 received another email ( We posted a new notice or letter in your Chase Mobile app and at chase.com/statements. ) There was no new notice just the same notice from XX/XX/2021 m ) I did not receive any benefit from these transaction I do not know who, what, or where XXXX or XXXX is I assume XXXX is an Airline because Airway ( XXXX XXXX ) is in the name and XXXX is a flower shop because florist is in the name ( XXXX XXXX XXXX ) I do not understand how or why the credit card company that is suppose to protect me is not doing so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11
Company: SUNTRUST BANKS, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was XXXX XX/XX/XXXX and did not receive income for approximately 5 months. Suntrust placed my mortgage in their home preservation department. I have submitted the same paperwork numerous times and every time they need something else and then the packet expires. I sent 2 full mortgage payments 3 weeks ago based on what I was told by the company, wire to wire transfer, and I received the money back because they will only accept the full amount. I received a letter 2 weeks ago stating my packet was complete and this past Saturday I had to fax pay stubs and today I got a call stating I did not complete 1 of the forms correctly.

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 2016-09-03
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In 2014 I submitted a complaint ( # XXXX ) against SunTrust and for a long time I did n't see the response. 
When I did finally see the response, I wanted to dispute it. When I call the CFPB they told me I would have to submit another complaint. Since the original complaint I was made aware that the type of loan I was originally given was made illegal years later. This was due to the misleading information on the loan details. The option payments cause a negative amortization with no deduction in the balance.. Plus the payments fluctuate monthly. I have been paying this loan for over 16 years now and have not been able to make a dent in it. I asked for a modification of which they only allowed it for 3 years on a year to year basis. Now SunTrust will not allow me any other modifications. This loan has done nothing but cause me heartache as it is difficult for me to make the payments. Please advise. Thank 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 2021-12-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This company has called my job and has pretended that there is a court case against me. They call my phone 2 times a day. I dont have any debt with this company and their accusations are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: EQUIFAX, 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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: Credit Karma, LLC
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
If what I 'm addressing is not considered a valid " complaint '', I certainly would like for you to explain why and what actions I can take to change this reporting. Yes, I filed Chapter XXXX Bankruptcy in XXXX XXXX and was discharged in XXXX XXXX and yes, I did include my mortgage company XXXX based on my attorney 's request for documentation on ALL monies owed. He said I would be able to " keep '' my condo and I was within the law to do so. What I do n't like is my credit report is showing this account as " included in bankruptcy '', which is correct, but my account with XXXX as " closed '' which is incorrect, thus nothing is being reported pertaining to my mortgage payments. I have never been late on any mortgage payments nor have I ever missed a payment and this is not the first property I 've owned. Regardless of whether the " law '' requires it to be reported this way, it should also be required to report that " this owner continues to pay her mortgage in a timely manner '' and the mortgage company should be reporting this to them just as they would, I 'm sure, if I were a day late. This irritates me, because my report reads to me as if I am a consumer who has gotten away with paying my mortgage. Maybe by Bankruptcy Law it is true that " by law '' I no longer owe this debt, but this is an FHA backed loan and I am a somewhat intelligent XXXX year old senior, who has absolutely no intentions of " leaving her home '' nor stiffing FHA. If I would have been told by my attorney that I would lose my Condo, I would have told him " well, we can forget the bankruptcy, and the credit card companies, and those I owed medical expenses to for myself and veterinarian bills after my dog who had to have XXXX in XXXX, would just have to sue me in court, because I would not put myself out on the street. Once again I say, if that is the way the laws are written and reported where Bankruptcy is concerned, then I 'm asking you to inform me as to what I can do to get my true record reported, as it stood then and still does today, also reported on my credit report at the same intervals they were reported previously by the mortgage company. I 'm not asking that the record of Bankruptcy be removed, that 's a matter of public record, but I am asking that how I continue to pay my obligation be reported as " true '' credit reporting.

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 2021-12-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I purchased two refundable one way tickets from Chase XXXX Rewards program using my Chase Card for a flight from LAX to FLL on XXXX XXXX leaving XX/XX/XXXX. I paid using over XXXX in points plus {$150.00} via my Chase card.. On XX/XX/XXXX I tested positive for XXXX and changed the flight to leave on XXXX XXXX. I paid an additional {$510.00} using my Chase card due to the increase in price for the new date. Unfortunately on XXXX XXXX, I was ordered by the Health Department to postpone my trip to XXXX XXXX out of concern I might still be contagious. I called Chase XXXX Rewards  on that day and throughout that week to cancel and refund my points and the money I paid for both tickets. They have refused and asked me to pay 150 cancellation fee for the refundable ticket. I explained that it was refundable and therefore cancellation fee didn't apply because XXXX does not charge cancellation fee. They said the airline was charging this and it was out of their hands. When I called the airline they confirmed there is no fee to cancel the ticket and they cancelled the reservation for me without charging me. When I called Chase XXXX Rewards reps they still refused to issue my refund and said I needed to get it from XXXX even though I never paid XXXX XXXX any money directly. XXXX has also said they can not issue the refund since it was not paid directly to them. See attached screenshot with their letter to me. Chase XXXX Rewards  continues to refuse to credit my account the points and and monies I paid for the ticket. I would like help getting this credited back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have on numerous occasions asked, requested, and demanded that the 3 major reporting credit agencies Remove any and all fraud alerts and statements attached to my credit profile. Seemingly that the credit agencies has somehow over looked my request, Im now filing an official complaint and re requesting that the 3 major credit bureaus, ( XXXX, XXXX, and Equifax ) Remove All Fraud Alerts and Statements from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to TRANSWORLD SYSTEMS INC. asking for : 1.Validation of the debt-that is, the actual account.

2.Verification of a signed invoice.

3.A copy of the contract Binding Both Parties ( You and Them ) in a letter by " certified mail '' so that there is an independent " witness to it having been delivered.

However, according to 15 U.S.C. 1692e,15 U.S.C . 1692d and 15 U.S.C. 1692b Not use any language or symbol on any envelope or in the contents of any communication effected by the mail or telegram that indication that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my XX/XX/XXXX mortgage online and they provided one confirmation response and then several days later I get a surprise they had double charged me. I called and was told that it was my fault for paying twice, which is not what happened. I was only paying XX/XX/XXXX and Not paying for XX/XX/XXXX yet! I called my bank and they said I'd have to wait for the second ach to fail and then request reversal as they could not do anything. Over the weekend my bank had removed the problem double payment and did not charge me. They sent me an email that the second payment overcharge was {$0.00}. I thought the issue was resolved. Today when I checked my bank they had a new ach from Suntrust/aka Truist. I called and spoke to several people who tried to explain my choices. I ask several times for the complaint department after Truist staff confirmed I had an outstanding complaint and after waiting a long time they said they were going to forward me to the appropriate person to handle this matter. It went directly to a person 's voicemail, which I left a detailed message that I plan on sending in my complaint to the SEC and XXXX  and others. 

Today Suntrust/Truist has once again tried to take funds out of my checking account via ACH. I will pay my XX/XX/XXXX mortgage payment in XXXX XXXX This is not an autopay issue it's a problem with Truist Bank XXXX This never happened with Suntrust.

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 2021-12-23
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I was charged XXXX for a fraudulent charge and chase bank did not accept my dispute and charged me again for the fraudulent amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions Inc.
State: NC
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:
have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or removed immediately my credit report. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX. XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account XXXX XXXXXXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXXXXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Unverified Account

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 2020-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a horrible year dealing with Bank of America 's negligent behavior. Regardless of my income level, I am still a client of theirs and their treatment of me was horrendous. When I tried opening a business account, the representative in charge of this at the bank incorrectly entered my EIN number and I'm lucky to have caught it. This representative asked me what the difference between an LLC and XXXX is and she asked me what an LLC was. She also gave me incorrect information about adding a person to the account, stating they do not have to be present with me in person but can go to a BoA account in their state. This information was incorrect. 

Last year, their debit cards stopped working nationwide and they never addressed it to their customers nor did they ever apologize for it. I wasn't able to access my account via my card for a whole day and when I arrived at a physical location, I heard tellers accuse their customers that they were lying about the debit cards not working. 

I had a representative on the phone yell at me and tell me that " I clearly don't know how banking works '' and insinuate that I was stupid. 

Their fees are awful. If my personal account would overdraft by a dollar, I wouldn't be aware of it until the next day when I would wake up to overdraft fees. The e-mail notifications would hit my inbox at XXXX XXXX  and I was asleep and wasn't aware. 

They do not communicate properly with me. 

I am a small business owner and use XXXX. XXXX takes approximately two days to deposit funds into my account. They weren't forgiving at all and wouldn't help me override overdraft fees. By the time I had funds deposit into my account, on that same very day, it would go overdraft again because of their overdraft fees. I could never win with them. 

The worst part about it is that they are currently closing my account without having sent an e-mail or a notification. That account is the one linked to the IRS and it would have been where I would receive the stimulus check. I tried to ask them to stop the process but they wouldn't. I wish they would have informed me when they would start to close the account because I would have deposited money to keep it open. I already filed my 2019 taxes so the IRS may mail me a check but it's just awful because it will take longer than just having it direct deposited into my account. The online teller was surprised that I didn't receive a notification. 

This bank is by far one of the worst banks I've ever had an account with. I will never do business with them again. I was warned by friends not to open an account with them years ago and I should have listened to them.

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 2020-04-14
Company: EQUIFAX, INC.
State: CO
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:
My credit history age has been consistently low for the entire time I've had credit. I have credit cards and auto loans for 10+ years, yet me credit age consistently says it's only 1-3 years old. This affects my score and at times has affected my ability to get loans.

Company response to consumer: Closed with explanation