BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last four Acoount # 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. 

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 record of convictions of crimes which antedates the r

eport by more than seven years.

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.

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 2022-09-29
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, I have a XXXX credit card with TD Bank which had over {$2300.00} in fraudulent charges. I reported this fraud over the phone ( several times ) and was told on two occasions and told I would have to wait 90 days to get a response. The employees did not inform me that waiting 90 days for a response would eliminate my protections under federal law as any disputes must be made in writing within 60 days. It has been 27 days since I reported the fraud and I have yet to receive a case number. 

As such, I sent a certified letter disputing the charges, as the pattern of behavior seems to be to delay investigating such charges until I lose my right to be protected under federal law. It has been extremely hard to even contact anyone at the bank due to multiple hour hold times, I have been hung up on several times, and have had no luck getting in touch with someone who can address my concerns or provide me even with a case number. They do not show the charges as disputed in writing online or in any letter, nearly a month after reporting via the telephone. 

I believe that TD Bank is intentionally telling customers to wait 90 days via in order to ensure that a customer loses their federal protections against credit card fraud. This is pattern of behavior I have witnessed among their agents. They do not inform the customer who is calling on the phone that TD Bank has a policy that they do not have to take action on complaints made via telephone, and under federal law the customer has only 60 days after receiving their statement where they can file a written claim. They KNOW that a customer will lose all rights under the law and cardholder agreement to dispute fraudulent charges should the bank not launch an investigation or not find an outcome in their favor. 

Additionally, TD Bank ( and XXXX ) engage in deceptive advertising, saying that customers have " zero liability '' and that charges are refunded in **five** business days. In the fine print, this five day policy is discretionary. Visa and TD Bank also fail to inform consumers that they lose their protections against fraudulent charges under the law if they do not submit a written claim and only file a claim on the phone. 

I suggest the CFPB investigate these practices, I suspect that TD Bank uses this tactic to avoid their responsiblity to cover fraudulent charges under the law. There is nothing I can do as a single customer, but I have seen other reports of this behavior online. I hope that my complaint spurs some action into forcing more transparency and faster response times for card holders who have been the victim of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: NC
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:
This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
Ive noticed some hard inquiries on my account that I did not apply for or give nobody permission or authorize anyone to do I have never apply for A JPMCB card Service or know what that is and its on my credit report as a heart inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, INC.
State: CA
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: NC
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:
This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX & XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$52.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/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 2022-09-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was trying to sell an item on XXXX XXXX. The scammer Attempted to pay me using what is a XXXX business account. I received an email from them. The email was XXXX. I did not notice that they did not notice that it was fraudulent at first. I sent XXXX XXXX dollars to a suspected representative at XXXX. He was win they were trying to gather more money that I realized I was being scammed. I tried to stop the {$400.00} transaction but I was unable to. I called my bank at Chase. To stop the service, but they could not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, 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, 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 2022-09-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: EQUIFAX, 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:
I AM FILING THIS COMPLAINT TO REMOVE INACCURACIES FROM MY CREDIT REPORT WITH EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: SLM CORPORATION
State: MT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am complaining yet again about Sallie Mae and the insane interest charges on my account. I check my account on XX/XX/22 and the total charges were {$26000.00}. I check a few days later XX/XX/22 the charges are {$26000.00}. Is Sallie mae ridiculous? I have gotten 3 loans with this private loan company and have been charged insane interest rates. 
Plus I tried to file a XXXX discharge with Sallie Mae and they refused it. I only work Part part and even with Social Security you allowed work credits. So sallie mae is going against Social security as well. Than they lied to me and said with the final loan I took I needed a co-signer for a " JUST IN CASE '' need and If I didn't get one I could not take the loan. Then when I signed up and sent a release of a co-signer they denied that as well and never told me that I had to make additional payments to get my cosigner released which is my mother and she is permanently XXXX. So that was unfair to her and me. 
I even talked to XXXX  XXXX the so called company that Sallie mae sends they XXXX discharges to and they asked me if I was XXXX before the loans were given to me and I said YES I WAS. XXXX XXXX that is consider PREDATORY LENDING against a XXXX individual. So Sallie Mae did predatory lending charges against me and my mother. I have complained about this to CFPB before and Sallie Mae has not and will not make any effort to help at all. Myself and my mother are both permanently XXXX and I said before I or my mother will NOT be taken advantage of by a predatory lender. Sallie Mae can send over all the paper work they want to. Sallie Mae and XXXX was sued already for predatory lending charges against students. They need let another civil class action lawsuit against them again. This is complete and unfair treatment against 2 XXXX women and this needs to be Stopped. Sallie mae are predatory lenders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from the collection agency thats how I found out I owed this money but Im afraid I was victim of identity theft because I have not purchase anything at Macys with my credit card in years I dont even have the credit card with me I paid what I owed at the moment and then never used it again. I called macys and they told me I didnt have a balance with them so I called the collection agency and told them that and they kept sending me letters.

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 2022-09-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
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:
Toyota motor credit co has made incorrect and inaccurate credit reporting and has violated my privacy as a consumer. In addition, Toyota has been contacted my me multiple times since XX/XX/XXXX and has been non-responsive in providing me the documentations proving debt. On my credit reports Toyota has claimed account is closed yet has on the records as being charged off since XX/XX/XXXX. I voluntarily turned in the vehicle and was never given 1099c nor police report for auction sale nor any other document demonstrated the balance still due for the vehicle. They have used my personal and private information to benefit monetarily and are accusing me of owing debt that is not mine. They are impacting my daily life and not doing what is fair and equitable to me, the consumer. I demand Toyota show me the balance and return to me what is due with proper tax forms for my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/22 I noticed that {$5000.00} and then {$7500.00} had been transferred from one savings account at HSBC bank. I notified Bank Security and all my accounts 2 savings and 1 checking were locked so that no money could leave any of my accounts. On XX/XX/22, I went to the bank and spoke with an officer. In looking at my accounts, he saw that a check in the amount of {$9400.00} had been drawn and cashed against a second savings account. This fraudulent check had been written against a savings account and cashed while the account was locked. I was told that the back office was dealing with the problem. There were no other responses to how this could happen. All monies have been restored to me, with no notification to me from the bank. Additionally, XXXX reward points were stolen from my credit card with HSBC. This too, has been restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
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:
Before I begin, I want to be clear that I am not requesting a " pay-for-delete. '' I am arguing that I was never responsible for the balance that they reported to all three credit bureaus. 

Back in XXXX of 2020, I had reached out to XXXX XXXX  in regard to some auto pay items charging my account, in which I was not actively monitoring because I had an alternative bank account. These two auto pay debits totaled {$19.00}, but resulted in {$64.00} in overdraft fees. I had a friend give me {$19.00} so I could give XXXX their money back. 

When I reached out to their customer service explaining that I was unemployed and could not possibly pay the predatory charges, they said they can automatically waive one charge, but for the additional charge they'll have to escalate the issue. Once everything was resolved, my account would have to be closed though. I said that's perfectly fine because I am not even using it. 

The daily overdraft fee continued to be charged for over a month, including on the XXXX when I went hungry because my XXXX money was accidentally deposited into the overdraft fee cursed account. At that time, I reached out to them again and they said they were resolving the fees as we discussed. 

When the account was eventually closed, I had assumed they finally resolved everything. There was NO communication telling me my account was going into collections. Yes, my address had since changed, but my family still lived there, and I was never told I received mail from them either. 

Fast forward to XXXX of this year when I paid the past due balance, the only reason I paid it was because I got a great job, so I had to get a local checking account because I did not want to deposit XXXX checks into an online bank account. I was not paying them because I agreed with the balance and wanted a pay-for-delete, I was paying them so I could get another checking account. Every time I go into their branch about the problem, they just say they don't do pay-for-deletes, but that's literally not what requesting. I was supposed to never have been responsible for the balance, which was entirely XXXX bank electronically generated fees. 

I will attach a file explaining what I meant by being charged overdraft fees only because of the initial overdraft fee as well as the official statements they provided to me.

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 2022-09-28
Company: EQUIFAX, INC.
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:
Before I begin, I want to be clear that I am not requesting a " pay-for-delete. '' I am arguing that I was never responsible for the balance that they reported to all three credit bureaus. 

Back in XXXXXXXX XXXX XXXX, I had reached out to XXXX Bank in regard to some auto pay items charging my account, in which I was not actively monitoring because I had an alternative bank account. These XXXX auto pay debits totaled {$19.00}, but resulted in {$64.00} in overdraft fees. I had a friend give me {$19.00} so I could give XXXX their money back. 

When I reached out to their customer service explaining that I was unemployed and could not possibly pay the predatory charges, they said they can automatically waive XXXX charge, but for the additional charge they'll have to escalate the issue. Once everything was resolved, my account would have to be closed though. I said that's perfectly fine because I am not even using it. 

The daily overdraft fee continued to be charged for over a month, including on the XXXX when I went hungry because my XXXX money was accidentally deposited into the overdraft fee cursed account. At that time, I reached out to them again and they said they were resolving the fees as we discussed. 

When the account was eventually closed, I had assumed they finally resolved everything. There was NO communication telling me my account was going into collections. Yes, my address had since changed, but my family still lived there, and I was never told I received mail from them either. 

Fast forward to XXXX of this year when I paid the past due balance, the only reason I paid it was because I got a great job, so I had to get a local checking account because I did not want to deposit XXXX checks into an online bank account. I was not paying them because I agreed with the balance and wanted a pay-for-delete, I was paying them so I could get another checking account. Every time I go into their branch about the problem, they just say they don't do pay-for-deletes, but that's literally not what requesting. I was supposed to never have been responsible for the balance, which was entirely XXXX bank electronically generated fees. 

I will attach a file explaining what I meant by being charged overdraft fees only because of the initial overdraft fee as well as the official statements they provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: UNITED BANKSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My father XXXX XXXX XXXX passed away in XXXX I was told he had opened a cd account in my name XXXX XXXX. And I need to know if there's any other accounts in my name.and I need to know all the activities on the accounts. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation