BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-05
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
ON XX/XX/18 I ANSWERED TO A XXXX AD THAT WAS ADVERTISING FOR WORK. A MALE NAME XXXX ANSWERED ME AND STATED THE FOLLOWING TO ME, I WORK WITH XXXX XXXX XXXX. WITHIN THE LAST YEAR A PRIVATE MONEY ORDER COMPANY HAS BEEN TRYING TO TEST AND IMPROVE THEIR MONEY ORDERS. THE OVERALL GOAL IS FOR THE MONEY ORDERS TO CLEAR WITHIN HOURS INSTEAD OF DAYS. EVERY TIME I HELP TO TEST THEIR MONEY ORDERS, XXXX GET PAID. XXXX FURTHER STATED THAT ALL I HAD TO DO IS WITHDRAW WHAT I DEPOSIT AND ASKED WHAT BANK I WAS WITH AND WOULD I BE WILLING TO OPEN AN ACCOUNT FOR IT WITH TD BANK AND THEY WOULD PAY THE OPENING FEES AND AND THAT I CAN EARN {$1000.00} PER WEEK. I STATED THAT I WILL GAVE XXXX THE BANK INFORMATION AND MY HOME ADDRESS AND FOR IT TO BE DEPOSITED. XXXX TOLD ME TO MAKE SURE I GOT A MOBILE BANKING ACCOUNT TOO AND THEN ASKED FOR THE ACCOUNT NUMBER AND ALL MY PERSONAL INFORMATION. I STATED THAT I SAW THAT A CHECK WAS DEPOSITED AS PROMISED INTO MY ACCOUNT, FOR {$3400.00}, SO I BELIEVED XXXX.. SHORTLY AFTER THE DEPOSITED, {$3200.00} WAS WITHDRAWN FROM MY ACCOUNT. I TRIED TO GET IN TOUCH WITH XXXX AND EXPLAINED WHATS WAS GOING ON AND XXXX DIDN'T RESPONSE BACK TO ME. I SENT HIM SEVERAL TEXT MESSAGES STATED THAT I DID NOT WANT TO BE INVOLVED IN BAD SITUATION LIKE THIS FOR MY FINANCIAL FUTURE. I ATTEMPTED TO GET IN TOUCH WITH XXXX SEVERAL TIME WITH NEGATIVE RESULTS.. TD BANK WAS ADVISTED TO MAKE A POLICE REPORT. I WAS ADVISED THAT A REPORT WAS DONE AND IS ON FILE WITH THE ( XXXX POLICE DEPARTMENT ) IN XXXX MA,XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: SYNCHRONY FINANCIAL
State: AL
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 XXXX XXXX credit card has been closed since XX/XX/2020 with no outstanding balance. After my credit card has been closed XXXX started to charge some kind of interest fees on a XXXX dollar balance and then started to charge late fees and additional fees. Now it has reported all this information to the credit 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 non-monetary relief
Consumer complaint received 2021-02-10
Company: Marlette Funding, LLC
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: Information belongs to someone else

Complaint:
I have sent XXXX, XXXX  and Best Egg letters to clear up this account thats in error. But to no avail. This account has been re-aged because there are three different date last active? and only one bureaus has any payment history? 

This account is reporting errors that seem suspicious how can you have different date last active? and date of last payment when the account is supposed to be charged off? Best Egg and or the credit bureaus are re-aging this account which is a violation of my rights. XXXX  and XXXX has been reporting this wrong information every month since I found out about this account which is horrible and I need to understand how they can do this to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
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: Account information incorrect

Complaint:
There are unverified items on my credit report, I have no knowledge of these accounts.

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 2021-12-14
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
My complaint against LightStream is that I was overcharged interest and I did not receive my 1 percent interest rate discount as advertised for doing automatic debit from my checking account. Also I am being overcharged with the interest rate I was given and my resolution is that Lightstream credit back all the interest due to me after I took out the loan.

I am being charged about 10 % more interest on this loan than agreed to when I signed with Lightstream and I reached out to the company in regards to this issue on XX/XX/XXXX in regards to my loan being calculated incorrectly and I requested a copy of my amortization schedule which I never received. 
Account XXXX Create Nickname Original Loan Terms Loan Amount : {$13000.00} Interest Rate : 12.44 % Loan Term : 48 months Funding Date : XX/XX/XXXX Current Loan Terms Principal Balance : {$8000.00} Interest Rate : 12.44 % Current Term : 25 Payment Method : AutoPay Payment Amount : {$360.00} Date Next Payment Due : XX/XX/XXXX Amount Due : {$360.00} Per Diem : {$2.00} Interest Paid This Year : {$1100.00} Interest Paid Last Year : {$1500.00} Lifetime Interest Paid : {$2600.00}

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 2022-04-30
Company: EQUIFAX, INC.
State: AL
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, 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 also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I went to a dealership to purchase a vehicle. The dealer used all of my personal information to call USAA and set up a loan in my name, then requested the check be sent to him. I was then expecting a vehicle, and never received a vehicle and he kept the money. He isnt licensed to finance, and later I found out that he was n't supposed to set up a independent loan in my name. He committed fraud against me, and USAA now is refusing to assist me ... and are trying to force money out of my bank account. USAA  and  XXXX   XXXX  have together committed fraud against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2017-04-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
EQUIFAX is showing a hard inquiry for   XXXX   XXXX   on  XXXX   XXXX ,    2016. I called  my local branch as I have dealt with them business wise in the past and they surprisingly told me that the inquiry matches no recent application under my name. ( Which makes sense as I did not ask for my credit to be pulled at all wh at so ever ). T hey have no records that I even applied for credit recently so I do n't know how this inquiry was even made. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am XXXX XXXX, the original creditor, natural person, and consumer. When we entered into this consumer credit transaction on XX/XX/2017. I extended them credit therefore, the finance charge was paid for the entire balance. After the finance charge is taken if there is a open ended credit transaction there is security interest left. Which is suppose to be given to me. But they mislead me to think that i had to pay them. Whenever a open ended credit transaction is entered that information is suppose to be disclosed. Which means its fraud. then they infringed upon my privacy and sent information over to consumer reporting agencies without my written consent. Now they are reporting this to my consumer report which is fraud because I didn't give them consent to have my information and or put it on my consumer 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 non-monetary relief
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: NJ
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:
I requested that a few questionable accounts on my credit file be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18
Company: DISCOVER BANK
State: TX
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:
I opened a dicover credit card inXX/XX/XXXX. It is no interest if you pay the minimum money every month. And it start to charge me the interest from XX/XX/XXXX. Without any email notice or statement, I didn't received the statement. When I find the interest charge, it already been charged for 4 months. I think it is okay for discover to charge the interest but they need to inform me by email or app notice instead of just silently charge the interest. I realized it and paied all the balance. But I still want to argue for the interest they charged on my account with no notice from XX/XX/XXXX. 
I think it is their abligation to inform customers of changes of interest policy. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
Navient is reporting my student loan current on time for the months XX/XX/XXXXXX/XX/XXXX then in XX/XX/2018 Navient reports the same account 90-120 days late. 

How is the account on time, by Navient 's own reporting, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and  XX/XX/2018 then 90-120 days late XX/XX/2018? 

Navient is violating the FCRA yet continues to verify these lates with XXXX, XXXX   and XXXX XXXX. 

Navient then reports the account 90-120 for the months of XXXX XXXX-XXXX XXXX   when it was on time. 

There are thousands of complaints like this regarding Navient and they are damaging my credit, impeding me from buying a house. 

I want Navient to explain to the CFPB how the account is on time the previous 5 months of XX/XX/XXXX mentioned above then 90 days late the next month?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am {$100000.00} in debt with navient. My monthly payments ( interest only ) would make it impossible to live. They have reduced it by half but only because I am looking to file for undue hardship ( I meet all the requirements for the three tests ) this new amount is still to much, as I have XXXX in federal loans as well, I intend to pay these loans because they make it so that I can make affordable payments. I have heard it is near impossible to file undue hardship and win with private loans. I would like to go back to school, have a career in XXXX, own a home etc. If I default on these loans these things will never happen. When I was able to make payments ( with XXXX ) they would try to say my payments were late even though it was set up for automagic withdrawl. I had bank statements showing they took the money but they still argued with me until I threatened legal action. A few years prior a customer service rep told me " people like you do n't deserve to have a life. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
For over a year Ive had many times My cards keep getting compromised and bank charges me fees when card gets compromised due to fraud.

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, Account # : XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-04-30
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: Account status incorrect

Complaint:
XXXX XXXX XXXX Student loan account that has been transfer to another account. I want this derogatory information removed from my credit report. 

In 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 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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 consent.

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 2020-06-27
Company: 21ST MORTGAGE CORP.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
First of all this mortgage note is non and avoid incorrect property description when me and my wife bought the house it said XXXX feet lot XXXX the correct lot no is lot XXXX. This mortgage company has comm it tted fraud several times robotic signing forgery on XX/XX/2012 inserting deed of trust.21st Morfgage has refuse to give any modification. Several errors in mortgage errors and omission and Myers as well. They dont have original note note has been sold several times. They have sent a fake note without the real wet ink

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: FIRST HORIZON BANK
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a first-time home buyer and I started on my home purchasing journey in XX/XX/XXXX. In this process, I have dealt with two loan officers. The last Loan officer I was introduced to by way of a realtor I was working with at the time. The loan officer 's name is XXXX XXXX, she works for IberiaBaknk/First Horizon. Her NMLS ID # XXXX. I was Pre-Approved through XXXX XXXX for a loan amount of {$230000.00}. After being pre-approved through XXXX XXXX I begin house hunting with my then realtor XXXX XXXX. My experience with XXXX XXXX as a first-time homebuyer was frustrating and produced no results for me. After expressing my concerns and frustrations with XXXX XXXX I decided at that time to sever our relationship but continue my financing with IberiaBank/First Horizon. 

After I discontinued my relationship with XXXX XXXX, I informed XXXX XXXX of my new realtor. After she was informed that I would be working with a new realtor there was a shift in her communication with me, her approach with relaying information to me, her attitude changed for the negative overall. I continued to search for a home on my own and after I had found a home within the pricing of my pre-approval from XXXX XXXX, I informed her of the realtor that would be assisting me with the closing of my contract. At this point, its technically 10-15 days until the expiration of my pre-approval letter. XXXX has received all documentation she has requested from me and has not mentioned any issues as she is receiving requested documents. My closing date was set for XX/XX/XXXX, XXXX XXXX has not called me to provide any updates related to financing issues. On XX/XX/XXXX she called me to inform me that now, I do not qualify for any loan due to my income decreasing by {$270.00}. As I would think any good, reliable, and savvy Loan Officer would present the Buyer with options on how to work around the minimal change in income to secure the contract that has been put in place. She has made it clear to myself and the new realtor team that I have been working with that she is against the idea of me being approved for a loan to make a home purchase due to personal relationships that would not be gaining from my home purchase. She has displayed unprofessionalism by not communicating properly, intentionally giving misleading information to discourage the purchase of a property. I ask that XXXX XXXX be investigated and have all of her DENIED applications audited to see if there is a trend in her behavior with past clients. She needs to have a neutral position in the home purchasing process as the Lender, and not favor a specific realtor to ensure commissions for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Tate and Kirlin Assoc
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I purchased a tablet from XXXX which subsequently stopped working.I returned the tablet to XXXX and, unfortunately, I ordered a replacement.The replacement also stopped working.I returned the replacement, all at my expense, to say the least.I called the Customer Service department and informed them over a recorded conversation to not send me any more products from XXXX.Believe it or not, I received another tablet and returned it also at my expense. 
Later I receive a letter from a collection agency, namely Tate & Kirklin Associates ( XXXX, PA ) informing me that I owe {$170.00}, Original Creditor XXXX, Creditor XXXX, Account Number XXXX.I disputed the bill with the credit reporting agencies and after their investigation, I received the attached form from XXXX showing a XXXX balance.I thought after receiving this form from XXXX, that my nightmare was over.Not at all!!! And, yes, it is still listed as a disputed collection on my credit report.What good is the XXXX balance when it 's not reflected on my credit report as being in good standing? I know all of these predators are out to make money, but this is ridiculous.I would really appreciate your help in resolving this matter.I realize that the amount alledgedly " owed '' is n't a lot, but it 's a lot when the debt is n't mine. 


Thanks In Advance, 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