BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to contact TD bank many times including walking into their branches to explain to verify the debt they report owed to them with no response after hours of circling me around different department over the phone they end up hanging up the phone. not able to see the debt on their end let alone verify it, or agreeing to delete the trade line from my credit report. as you can see in the attachment I finally contacted them by certified mail to verify the debt with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Bliksum, LLC
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had to take out a loan for a house repair and loan me.com was the only one willing to loan me XXXX dollars what I needed. Now come to find out its 135 % interest and by the end of the Loan term I will end up paying around XXXX dollars this is loan sharing and they take advantage of people like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I recently reached out to Wells Fargo, my bank for refinancing my loan. My current loan is with Wells Fargo. After indicating that I wanted to pull money from my equity to pay outstanding credit card accounts ( totaling $ XXXX ) to raise my credit score from XXXX to a higher number and reducing my outgoing expenditure, the loan officer assured me that with my income, this should be no problem. Did the appraisal, property was appraised at $ XXXX. Current loan is $ XXXX. They told me to contact all creditors and close the accounts so I can qualify for the line of credit as well as the refinance. Once I did all that, my credit score dropped by XXXX points standing at around XXXX. Now, they have denied my loan saying I do not have sufficient income to cover the cost. They should have checked all the supporting documents prior to approval process. The gross error was on their behalf. Now my credit score is very low to even apply for any loan due to closure of the credit cards, paid for appraisal that I can probably not get back. Please help. I can provide you with all communication, letters, documents indicating my loan was pre-approved. 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 monetary relief
Consumer complaint received 2015-06-23
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I do n't know how this company is even still in business with all of its complaints, XXXX rating, etc. They lie, degrade, yell, threaten, etc. Absolutely intolerable behavior. Other collection companies to not behave this way. XXXX is XXXX that lies and threatens and condescends and is always rudely sarcastic. This must STOP! Why is this allowed?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: TX
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance Owed : {$1900.00}, XXXX XXXX  XXXX Balance Owed : {$3200.00}, XXXX  XXXX XXXX Balance Owed : {$260.00}

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 2016-03-31
Company: GREAT LAKES
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
We have decided after paying off my husbands student loans to make extra payments on mine to pay them off quickly with less interest. We went on the mygreatlakes.org website to pay a {$400.00} extra payment. My husband noticed pretty quickly that the website was not set up in a way to find " important '' repayment information. He tried to find out what my different loan interest rates were and I said, " no it is just XXXX loan ''. He has had more experience with these matters and informed me that there were actually several loans which would have different interest rates. He could not find them so he used the search function entering " my interest rate '' ... which did not lead to the interest rate. Now he was irritated and motivated to find them, which he did finally find them under a tab that was titled " Student Loan obligation Statement ''. With that completed we went on to make our extra payment on the highest interest rate loan. After going through the entire online payment process he realized it did not allude to nor give an option to pay the loans separately nor identify any of the interest rates. Frustrated he called them and asked how he would go about paying on XXXX loan? We were informed that you can not do it online ; we have been in other online websites for student loans which all show interest rates and give the option to apply your extra payment as you see fit. To apply the payment to a specific loan we had to call in and ask them to do such. Then he asked for email confirmation that this conversation had taken place and they were going to apply the money as requested. She said no we ca n't give you any confirmation you will have to call back in a couple of days to find out if it was done ... unreal. Another item to think about is that if you make any payment, although their website states how it is applies, there is no way to confirm or verify what was done with your money. There is no history or tracking of monies applied only monies paid ; talk about a lack of accountability to the customer. I am afraid that mistakes happen and errors can be made ... we, the account holders, should have full disclosure of all MONIES paid and how they are applied rather than a payment. 
My husband has the knowledge to see these things, but most I would say, including myself, do not. It would be nothing for this company to take advantage of us since there is literally no way to see or dispute anything they do. At best this is poor design, management, and oversight ... at worst this could be criminal. We have pics of the sight to show our claims if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Photo-deposited a check on XXXX XXXX XXXX. When I looked at my account information a record of the deposit was not on the account. I then call the TD Bank and was told it will be 7-14 days before the funds will hit my account and the deposited check will be put on hold until that time. I instructed my bank to not use my photo-deposit because I could not wait 7-14 days for money I needed ASAP. TD-bank said okay, and I cashed check at a check cashing place. 2 weeks later I see a deposit for XXXX ( the amount of the check ) and I called the Bank again to take the money out of the account. They said it will be out in 3-5 business days. After another week the funds were still in the account and I called TD-Bank again to have the funds recalled and they said it will be in a day or XXXX on XXXX XXXX. I never heard from TD-bank again and come XXXX I used some of these funds not realizing they were still in the account. Finally XXXX XXXX!!! XXXX TD-Bank debits XXXX dollars from my account leaving me with a XXXX account balance! I called them to work out a payment plan but was told that is not possible. I have a baby and a mortgage and TD-Bank just about ended our lives. Then they charged me a XXXX dollar over draft fee to add insult to injury.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-20
Company: EQUIFAX, 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:
On XXXX/XXXX/XXXX I disputed an item on my Equifax report with XXXX XXXX. On XXXX XXXX, XXXX, I received a response from XXXX XXXX which did not include verification of my signature. They failed to validate the debt. XXXX XXXX did not notify Equifax that I disputed the information as per XXXX. I sent another letter on XXXX I did not receive a response from XXXX XXXX at all. On XXXX XXXX XXXX I sent a dispute letter to Equifax. Equifax did not verify the debt with my signature as required by law. In addition, information was added to my report from XXXX XXXX through XXXX XXXX that is inaccurate. On XXXX  I sent a second letter disputing the incorrect information. Equifax responded that they verified the debt but did not send me a copy of my signature or any viable evidence showing the account being reported as accurage as required by law. The information being reported on my credit report by Equifax is inaccurate and must be deleted. I have been denied credit as a result of these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Accountability Act ( HIPAA ) is in place to protect my privacy and medical records from third parties. I do not recall giving permission to ER at XXXX for them to release my medical information to a third party. I am aware that the HIPAA law does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and violation of HIPAA law. 
Breakdown of fees including collection costs and medical charges and medical information were sent without my authorization. 
A copy of my signature with the provider of service to release my medical information to XXXX XXXX XXXX was not provided.

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 2019-12-18
Company: Rent Recovery Solutions
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This consumer doesnt know you. Who are you and by which authority did you contact me? I require you to swear under penalty of perjury under the laws of the United States of America this debt is true within 5 days of this notice. 

Take note, pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. In addition, criminal fraud, identity theft, and conversion of property have no statute of limitations and I will defend against and seek remedy for deprivation of any rights, privileges, or immunities secured by the FDCPA against any and all guilty parties. 

I choose not to do business with you and your partner ( s ) any longer and CALL ALL AMOUNTS DUE IMMEDIATELY! 

I also revoke, cancel, and make void ab initio all powers of attorneys, in fact, in presumption, or otherwise, signed either by me or anyone else, claiming to act on my behalf, with or without my consent, as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, governmental entities or corporations on the grounds of constructive fraud, concealment, and nondisclosure of pertinent facts. Please send me the 1099-INT form from the IRS. 


According to the Federal Trade Commission : You must provide authority to collect on your behalf. 

812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 15 USC 1692k of this title for failure to comply with a provision of this subchapter.

( Pub. L. 90321, title VIII, 812, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 880. ) I hearby affix my non-negotiable autograph with explicit reservation of all my unalienable rights and my specific common law right not to be bound by any contract or obligation which I have not entered into knowingly, willingly, voluntarily, and without misrepresentation, duress, or coercion. 

All rights Reserved and without prejudice to any of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Prince Parker & Associates
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Twice I have been contacted by debt collectors on behalf of XXXX at my place of employment. To my knowledge, I never gave XXXX my work phone number nor did I authorize them to contact me at work. When this happened the first time ( XX/XX/2016 ), I called XXXX Customer Service and requested they not contact me at work anymore. I was told verbally by a representative that they would not contact me there anymore. I also subsequently canceled my Internet and Cable service with them due to my displeasure of them resorting to these tactics to collect money I owed them in addition to them repeatedly disconnecting my services for payments not made mere days after they were due. 

On XXXX XXXX, 2016, I was once again contacted at my place of employment by a debt collector seeking payment for my remaining balance to XXXX. I expressed my displeasure to the creditor and she said " I have several complaints like this ''.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXXXXXX XXXX  acct # XXXX, 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 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 2022-05-13
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:
In accordance with the fair credit reporting act XXXX  acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  acct # XXXX, 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX  ; Experian and XXXX  should not be reporting the collection/chargeoff in the amount of {$890.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is being reported twice. It is a violation of the Fair Credit Reporting Act to report duplicate accounts and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-05-13
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccurate on my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax 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 accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX : {$24000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: GOLDMAN SACHS BANK USA
State: IL
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:
accordance with the Fair Credit Reporting act XXXX Account # apple credit card has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Collection agency Express Recovery Services called my phone on XXXX/XXXX/XXXX. Knowing my rights within 30 days I sent them a certified letter asking for debt verification. I never received a letter within 5 days of original contact as required by law. Nor did I ever receive debt verification. 

On XXXX/XXXX/XXXX I receive a letter from a law office stating they represent Express Recovery services. Again I responded with a certified letter asking for verification of debt. I never received any verification of debt. 

As of XXXX/XXXX/XXXX they attempted to serve me papers for court. Again they have violated Fair debt collection by not verifing the debt at all. They have failed to prove I owe any debt. They have failed to prove they are legally authorized to collect the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-04-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 early XXXX, my wallet was stolen from my home by a close family member unbeknownst to me and after the police officer allowed this person to come inside my home alone, while I was outside, to get their belongings. I awoke to alerts coming in on my phone of numerous transactions on my credit cards. I immediately called all credit card companies to report card stolen and was credited all charges. I called JP Morgan Chase to report my wallet stolen to include my identification, SS card and debit card. Upon reviewing my account, there was an {$800.00} ATM withdrawal from a Chase ATM. Chase initially provided a provisional credit and I thought the matter was closed. I additionally made a police report and took out an order of protection against the person. On XX/XX/2020, I reviewed my account to see the provisional credit was reversed and pending on my account : I was never contacted by Chase representative and had not prior official notification of this reversal. I called Chase Fraud on XX/XX/2020, waited over 2 hours and finally got through to an agent. The agent told me that it was reversed because the person used my pin on 1 attempt. I explained to the agent all circumstances to include I have a police report and protection order -So what did I do wrong? I also asked how someone could withdraw {$800.00} when my daily limit is {$500.00}. She could not answer and proceeded to connect with an agent in the ATM department. I asked this agent this same question and I was told " If someone uses their debit card at specific CHASE ATM 's they could withdraw 50 % up to {$3000.00} ''. I was in shock and so was the fraud agent as she had no idea this was possible either. I stated I was NEVER made aware of this at anytime and how could Chase allow this to happen. The ATM agent could not answer BUT stated if there was fraud and before he could finish, I stated there was fraud and Chase just reversed my credit. The fraud agent disconnected with the ATM agent and asked me to fax in my police report and protection order as she believes this is special circumstances and the fraud claim should be re-opened, HOWEVER there are no guarantees.

Company response to consumer: Closed with monetary relief