BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I ordered an item that I was not aware came from XXXX. When I received the item it was not in US sizes so I did my due diligence and contacted the company for a return label to ship the item back pre paid since it would be more than I paid for the item to send it back they agreed but I never got the postage paid return label. I have disputed this with my checking account Chase Bank which just reversed the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 write this Claim disputing attached Credit Report and requesting this third time for the XXXX Credit Bureaus to investigate and correct my credit profile pursuant to 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. In closing 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Said circled accounts including derogatory public records are not authorized by me to be furnished nor are they accurate 100 %. They must be removed as per the law.

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 2021-03-03
Company: CITIBANK, N.A.
State: CA
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:
When I applyed for this card I was told I never have over tge limit fee Citi lates They charge me {$160.00} for over the limit fees

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 2020-03-22
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account reported on XX/XX/2019 in the sum of XXXX XXXX I disputed it 3 or 4 times already and its still on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear CFPB I check my account twice a day, in the morning and evening. On Monday XX/XX/XXXX I did have my daughter 's recital and picked up her dress and admittenlty failed to check my account. The {$75.00} overdrew my account less than {$20.00} I immediately deposited XXXX to take the account out of negative but expected a {$35.00} charge. Instead the bank charged me {$70.00}, and then another {$35.00} for a total fee of {$100.00}. They allege my account was negative by a XXXX then there were other fees. That mornng my account was not negative nor was it negative the weekend before. The bank is manipulating transactions so they result in the maximum fee to the customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Transunion simply just won't provide me with 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 2017-04-13
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A medical bill was transferred to this company after the doctors office filed it incorrectly. I started making payments in good faith while I fought with the insurance company over the payment of the bill. Upon the successful discussion with the insurance company, I was notified that the insurance company paid the bill in full. On XX/XX/2017 I spoke with Transworld and it was requested that I send the notification ( EOB ) from the insurance by fax. I sent it at XXXX that day. I called back on XX/XX/2017 and was told the faxed document had been received and I would be contacted on XX/XX/2017 and told the status of my refund of the payments that I had made up to this time. I never received a call back. I called again the morning of XX/XX/2017 and was told that they had no record of me or my account. I called back again and was told the fax had not been transferred to the needed department and they asked if they could call me back in a couple of days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I notified Fay Servicing that I was the new trustee for the Estate of XXXX XXXX XXXX and that XXXX XXXX XXXX the trustee before me had passed away XX/XX/XXXX due to a target car accident. I also entered into a repayment plan with Fay servicing on XX/XX/XXXX effective XX/XX/XXXX which was expected to last 12 months. The last payment Fay Servicing drafted out of my account was on XX/XX/XXXX in the amount of {$490.00}. The loan was transferred to XXXX XXXX XXXX XXXX XXXX effective Thursday XX/XX/XXXX but according to XXXX XXXX XXXX the loan was transferred by Fay Servicing with very little information. XXXX claims they do not have records of the repayment plan or the XXXX XXXX XXXX which shows that I am the Trustee of the estate and is handling all administrative matters. I have received a statement dated XX/XX/XXXX which shows late fees in the amount of {$60.00} have been assessed to the account and a second notice dated XX/XX/XXXX telling me I am delinquent and need to remit a total amount of {$1300.00}. 

After several attempts to locate my account manager XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and the XXXX I finally spoke with a representative today on XX/XX/XXXX by the name of XXXX who tells me that unfortunately Fay Servicing did not send in evidence of the trust and the repayment plan I entered into with XXXX in XX/XX/XXXX. XXXX confirmed that they can not reach out to Fay Servicing on my behalf. I then immediately call Fay Servicing and was told that they had an entire servicing team which XXXX can contact and request clarification if there are any missing documents. 

I have attached the most recent Payment Statement sent by XXXX, and the Delinquent Payment Reminder notice. I have included evidence of the repayment plan I entered with Fay Servicing as well as my last bank statement showing the payment that was made. In addition I have also attached evidence of the living Trust. I will also be faxing this information to XXXX XXXX XXXX at XXXX. 

I am requesting that XXXX waive all late fees assessed on the account, authorize me as the Trustee of the Estate of XXXX XXXX XXXX, and honor the repayment plan that I entered into with Fay servicing. If XXXX has additional questions I am requesting that they reach out to Fay Servicing. 

I am also requesting that Fay servicing send me a payment history of my account as well as send all relevant information to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: STATE EMPLOYEES CREDIT UNION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A woman found my information at a hospital. Instead of returning it, she used my identity to supply her lifestyle. I sent in police reports and the problem continues. 7 years later, I'm still fighting this bank off of my credit. Find the strawman you got this from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me all day every day sometimes before XXXX. They use phone numbers with prefixes from all over the country. They never want to identify who or why they are calling unless I give my name..they could at least tell me it's Portfolio. The debt is over 10 years old and they say things like they WONT take me to court if I make arrangements. It is my understanding that they are unable to sue me for a debt that old. Furthermore, the original debt was less than {$700.00}. They said they will report to credit bureau but not sure if they have recently but isn't that a violation on a debt that is 10 years old?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
We opened a secured credit line with Wells Fargo for our business for {$2000.00}. After a year, they declined to move it off a secured line. We chose to close the card because there 's no point in keeping a secured line if they refuse to graduate it to unsecured, it 's just a debit card with cash you ca n't withdraw at that point. On closing it, we were offered the choice between depositing the cash into our business checking, or having a cashier 's check mailed. We chose to have it deposited to our checking account and were told it would take 7-10 business days. 11 business days later, we still do n't have our money. I returned to the branch and the same reps that closed it tell me their credit team put it in to be mailed to us as a cashiers check, and that it will take 30-45 calendar days. They offered no reasoning for why they switched methods, and no restitution for the fact that we will now be going up to an extra 21 days without our money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-19
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 I called one of my creditors to replace a damaged credit card. Citibank, NA ( SYW ) Shop Your Way Mastercard XXXX. During that call the representative DID NOT obtain my authorization to pull my credit report. Furthermore, I've had this account open for almost 20 years. As soon as I learned of this FRAUDULENT credit report pull ( today XX/XX/19 ), I took action and called them back. They listened to the call from XX/XX/19 and agreed that my claim was valid. I do not trust Citibank to remove this inquiry from my credit report, however, bethatasitmay, I feel they should be held accountable for violating the public 's trust by illegally obtaining my credit report without my consent. This action by Citibank was completely unauthorized, fraudulent, and borderline criminal. The reason we have consent it to avoid situations like this where borrower 's scores are lowered and to no fault of their own, now have less access to credit or competitive APR 's. I'm buying a house and this has negatively impacted my interest rate! Totally unacceptable. Please help me hold Citibank accountable. Thank you in advance.

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: Experian Information Solutions Inc.
State: MO
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX XXXX Balance Owed : {$4600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX PORT XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed XXXX {$130.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A woman found my information at a hospital. Instead of returning it, she used my identity to supply her lifestyle. I sent in police reports and the problem continues. 7 years later, I'm still fighting this bank off of my credit. Find the strawman you got this from.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2021-06-15
Company: Experian Information Solutions Inc.
State: AL
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent a letter asking for an investigation and the information used to add this account to my credit report. I have made 4 attempts since XX/XX/2021 and I have not received any information regarding this account 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 2021-06-15
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent a letter asking for an investigation and the information used to add this account to my credit report. I have made 4 attempts since XX/XX/2021 and I have not received any information regarding this account XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XXXX. ( d/b/a XXXX ) advertised a specific XXXX VIN # XXXX for {$33000.00} with XXXX miles, white exterior and auto transmission. I went to the dealership and agreed to purchase the vehicle for the advertised price and the dealer agreed to give me {$9000.00} as a credit for a trade-in of my XXXX. I owned my XXXX in full and I did not have a loan outstanding on it. I executed the documents to finance the vehicle. There was much confusion and I was asked to sign all the finance papers quickly with little time to review them and the entire time the finance officer kept his palm on the top half of the papers and asked me to sign the bottom of the page so that the only number that I saw when I signed the documents was {$36000.00} ( which seemed roughly correct when I calculated the {$2800.00} service contract added to the {$33000.00} purchase price ). After a few days, I realized that the dealership had changed the purchase price from the advertised price of {$33000.00} to {$42000.00} ( {$8700.00} more than I agreed to ). I called and went back to the dealership on 2 ocassions. I spoke to the manager XXXX and the finance officer. The finance officer tried to convince me that the calculations were correct and the manager XXXX stated that he could not figure out how they came to the amount. 
I called Toyota Financial Services ( lender ) and they called the dealership and as a result XXXX called me and let me know that Toyota had contacted the dealership. XXXX invited me to come in and speak to him. When I did, XXXX simple could not assist me because he could n't figure it out. The lender has informed me that their review indicates that the trade-in {$9000.00} was a " wash '' and they referred me back to the dealer. The lender should have seen that I was not given the {$9000.00} credit. The lender refuses to make the adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I requested a credit increase and another card for my husband from XXXX visa/comenity bank. I did n't get a phone call or anything. Just a letter that stated that they could n't reach me therefore they could n't honor my request. I called and I spoke with a supervisor. She said in the notes, it said that they tried to call me but there was no number on the credit bureau report to call me on. So, my question is, how did you call me? My husband needs another card and I would like to have my limit increased. I need someone to call me to get this situated immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-18
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2018 a TD bank visa credit card was opened in my name fraudulently for somewhere around {$5000.00} dollars, note, i found this out about seven months later when i was going to buy a new used car ( the salesman found this td bank unpaid loan on my  credit report ) i never got mail with a bill or anything at all.if i didnt go to buy this car i never would have known.i contacted XXXX which i already had and they told me to contact XXXX and after several disputes they cleared me and restored my credit.so i let it go thinking all was ok.then i started getting calls from XXXX   XXXX to who i didnt respond due to advice from different people. ( maybe wrong advise ) anyway i called td bank fraud department about a week ago gave the person some info and this story and she said she would stop the calls, to this day the calls are still coming.with advice from XXXX i printed a report from XXXX  and found attempts by someone trying to do it again but i froze my account and they couldn't do it.i always had great credit till td bank came along. thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-12
Company: Lending Club Corp
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Me and the young lady where dating and we had a joint bank account and she went and got XXXX loans in my name the other XXXX have been resolved it is just this XXXX company by the name of lending club that just do n't want to see this as fraud I have all the bank statements of how that money was received and spent she used my information to get the loan into the joint saving account then transferred it into her personal account of then she made up me a email and used her phone # on the application for contact

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Experian has yet to send a hard copy of my credit report to my current address.

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