BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
TD Bank double charged me for payments in XXXX and withdrew monies without my authorization XX/XX/XXXX ~ {$430.00}. I paid the total amount due of ~ {$430.00} on or around XX/XX/XXXX and TD credit card charged me again although the balance due on XX/XX/XXXX was XXXX and the amount required was already paid. TD stated they would reverse the error and never did. 

In addition TD does not report payments and credits in a timely fashion. Charges and debits are posted to my account over XXXX days after the transaction occurred. TD customer service was unwilling to resolve the issue and left my card to be charged by unauthorized users honoring payment even when I had reported my card stolen/lost. TD credit card company is a risk to the consumer with their latent and insecure credit card platforms and finance methodologies which are subpar and below average for a global bank with risks and diverse customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
OK, I've handed the complaint on the Bank of America side, as they are removing the status on their side in a few days. But, they stated to get in contact with XXXX XXXX XXXX XXXX of this matter, as the loan originated from their side, as it is XXXX account number. This issue is showing on ALL my credit reports ... 
Acct # XXXX, BK of America, XXXX XXXX XXXX, XXXX, FL XXXX XXXX I am working with a lady named : XXXX XXXX XXXX, Ext : XXXX She stated this is a XXXX  XXXX XXXX XXXX account number and they are reporting it wrong, as she confirmed on her side. And she stated, not only are they reporting it at the wrong amount, they have NOT removed it on your credit report ... because the account was transferred from XXXX to Bank of America, so they should not be even reporting it. ON all my credit reports, they are listing the loan at {$24000.00}, XXXX, and on XXXX they are reporting it as XXXX. So, there are almost three different prices, under the same account number, so their is something seriously wrong. And I take this highly offensive as it is hurting my life as in housing and normal life situations that someone needs a loan. 
This is detrimental to my life. I want it removed, the entire account that they are falsely reporting. 
They should not be ( 1 ) reporting it under their account number ( 2 ) they are listing it at, up to, three different prices ( 3 ) they are illegally reporting such account on my credit reports - all three no less.

( 4 ) they must remove it immediately off of my credit report.

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 2022-07-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX of XXXX- I ask them to to try and Qualify me for a car under my Business EIN ( I did not give them my personal SSN ) and It still appeared on my Personal Credit File. 

XX/XX/XXXX This is the same situation as with XXXX XXXX of XXXX. 

XX/XX/XXXX XXXX XXXX - This is a legitimate Inquiry. I applied for a credit card. 

XX/XX/XXXX XXXX XXXX - This is a legitimate Inquiry. 

The below are all Inquiries that I did not authorize : Equifax : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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:
" ARS Account Resolution '' is reporting on my credit that I have balance of {$1400.00} for Original Creditor " XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ''. I never visited any of such places, so I search and called " XXXX XXXX XXXXXXXX '' XXXX XXXX office and billing team. They do not have any record of mine. I think these guys ( Collection Agency ) has somehow got some of my some info and trying to fraud with it. It's been going for some times as, I got attention only when I saw another fraud of similar nature by another company named " XXXX XXXXXXXX XXXX ''. 

I am going to put complaint of that company in other complain as they are showing their Original Originator as " XXXX  XXXX '' while I never visited XXXX  XXXX for decades or any medical facilities.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-10-22
Company: Western-Shamrock Corporation
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:
XXXX XXXX XXXX XX/2011 {$570.00} Western shamrock XX/2011 {$170.00} XXXX XXXX XX/2011

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: TX
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 acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, US BKPT CT TX XXXX acct # 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 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 2020-06-22
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
on the date of XX/XX/2020 there was an inquiry made by XXXX XXXX on my credit report that I did not authorize. I disputed it, and i attempted to reach out to the creditor in hopes of solving this problem but to no avail. 

on the date of XX/XX/2020 I received and inquiry from XXXX on my credit report that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail. 

On the date of XX/XX/2020 i received an inquiry on my credit report from Wells Fargo Dealer S that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail.

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 2022-07-11
Company: Experian Information Solutions Inc.
State: PA
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 2 : It also states a consumer reporting agency can not furnish an account with 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 2022-02-09
Company: ALLIANT CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I met XXXX XXXX on linked in and we became close friends he helped me get off XXXX we tried to create an orphanage that failed due to XXXX credit and their sabotage of multiple transactions xenophobic handling apocryphal fees and mishandling of transfers and we suspect hate crime i later became a security guard at XXXX XXXX to have my phone and record searched and sorted and verified no fraud on my end nor XXXX XXXX then XXXX XXXX  also dropped our business then investigated us and determined no fraud no crime nor scam this then leads us to suspect fraud against foreign banks seniors and mentally ill like me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they lost thousands bait switched fees then charged me for a fraudulent check and say I owe them yet can't produce an image of the check and I would like them thoroughly investigated and will pay what I owe again due to my experience i do not trust them and feel the need for your assistance XXXX We need to access the files we are precluded from online banking yet they send us impossible links as a senior and mentally ill person this is hateful cruelty the representative XXXX XXXX only partially Sent incompetent data and attempted to bully me without acknowledge the theft on their part and bait switch practices please note I will pay what I owe but based on my experience with XXXX XXXX  XXXX XXXX XXXX  and XXXX XXXX I simply can not rely on the verification of Alliant Credit Union at all and would like them investigated please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: Ocwen Financial Corporation
State: MD
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 PHH Mortgage report both me and my wife delinquent for the month of XX/XX/XXXX. I reached out to them and asked that they issue a retraction to all 30 major credit reporting agencies. 

On XX/XX/XXXX I received an email from XXXX stating that they have completed their investigation and sided with PHH based on their recommendation not to change the status.. I tried to explain that the month of XX/XX/XXXX isn't completed and that they can not stated that I am 30 days delinquent. I was then told that there's nothing more I can do. 

PHH is a subsidiary of Ocwen Financial. They have been previously sued for this same XXXX XXXX demand letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have sent several disputes to trans union on this issue of fraudulent accounts as well as the creditor the accounts are listed below all are fraudulent accounts reporting on my trans union file XXXX XXXXXXXX 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 2022-07-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check for over $ XXXX into my Wells Fargo business checking account. I usually receive funds the following business day. I was notified that I had too many overdraft on my account ( verified that I have had XXXX in the last 12 months ). They are now refusing to give me access to my funds for 15 days!!! This is criminal and completely unacceptable to steal over $ XXXX because I was overdrawn by {$100.00} ( {$35.00} of that was a fee ) XXXX time in the last 12 months. 

When I asked a branch manager they said they have been giving me access to my funds the following business day " as a courtesy '' for the last 75+ deposits and that something must have happened to auto trigger this response that they could not identify. 

They said it is very difficult to undo this one the " algorithm '' has triggered the account and that even in a best case scenario it will take over a week to resolve. This is pathetic and evil to steal $ XXXX from me for over two weeks.

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 2017-09-09
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I was one of the roughly 143 million people whose personal data was illegally obtained in the Equifax hack that was reported on or around XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: CarMax, 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:
Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All XXXX credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: World Acceptance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Company gives you the impression youre getting an unsecured personal loan when in reality is a secured loan, secured by fictitious goods made-up by the underwriter. Without your consent they add collateral items such as electronics to the contract that you have never told them you own, they do all this without consulting you and rush to sign the documents and tell you nothing about what theyre doing. It wasnt until after I signed that I read my contract in full and found this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Continuation of complaint XXXX XXXX XXXX  have me a reference number of XXXX XXXX XXXX accepting a XXXX credit in my behalf in XX/XX/XXXX. They werent able to reverse the credit because XXXX  accepted it. 
Reference XXXX I spoke to XXXX  because I also have a blue XXXX. I was told XXXX XXXX did accept the XXXX credit in my behalf. Apparently it was transferred XX/XX/XXXX to Citibank visa XX/XX/XXXX as I was told my customer service XXXX. Citibank has no record of receiving this XXXX. 
Ive spoken to managers at XXXX  and no one is willing to help me obtain the XXXX you accepted in my behalf.

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 2017-09-09
Company: EQUIFAX, INC.
State: VA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: OH
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: Problem with product or service terms changing

Complaint:
Equifax had my wife and myself 's information stolen. Part of them providing me a credit protection was also agreeing to not sue them in an opt out option. 

its not right for someone to damage my life and decide that making me whole is providing fraud protection that precludes me from legal action. It is a reprehensible stance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am working with Sun Trust/Truist on a VA Streamline Interest Rate Reduction Loan since XXXX of 2021 and I have not heard anything on the status or anything about the where the loan is. 

Truist Bank XXXX XXXX XXXX XXXX, VA 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 2021-08-25
Company: DISCOVER BANK
State: AZ
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:
Discover Financial Services indicates that I opened an account in XXXX of XXXX. At this time, I was working in the XXXX since XXXX, XXXX XXXX for the poor fishermen of a small remote island, destroyed by a Super Typhoon. When I returned to the United States in XXXX, I had recently had a XXXX XXXX in the XXXX, and returned to the U.S. to recover. It was at that time that I was notified that Discover had attempted to collect a debt that I knew was not mine. I sent a letter to Discover in XXXX of XXXX, notifying them that this was not my debt, but was likely my son 's, who was also XXXX XXXX XXXX, and had been living in my home at the time the alleged debt began with Discover. My son has been suffering with extreme XXXX, and XXXX  use from his XXXX XXXX XXXX XXXX. 

I noticed that Discover is still listing this debt as mine, and shows that the account is open with a balance of about {$1500.00}. This reflects on my credit report as open, with the balance still open and active, though Discover also shows the debt charged off in XX/XX/XXXX. 
Discover never replied to my request to validate this debt as mine, and not my son 's. I asked for a signature on a contract, and copies of the original debt, but I was never given these documents by Discover. 

This debt is now affecting my ability to obtain medical coverage and prevent me from getting the care I need for my XXXX XXXX. 

This debt is also indicated to be seven years old, and should have been removed from my report, by this time.

I am asking that Discover remove this debt from my record and stop showing that the account is still open and the balance each month is reported as open and collectable in my name. I want the status changed and removed immediately from my credit file. You can attempt to collect this debt from my son.

Company response to consumer: Closed with non-monetary relief