BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My first complaint was filed in XXXX, XXXX. My second complaint was filed in XXXX, XXXX. Today, XX/XX/XXXX, I am filing yet another -- third complaint against Target Card Services, TD Bank USA, N.A. I made a {$480.00} purchase in XXXX, XXXX that brought my balance due to {$2600.00}. After making a payment of {$74.00} and adding the interest charge of {$51.00}, my XXXX, XXXX statement had a new balance due of {$2500.00}. My XXXX, XXXX statement reflects a {$77.00} payment, an interest charge of XXXX and a new balance due of {$2500.00}, and a payment due of {$76.00}. 

I called XXXX, at Target Card Services associate, on XX/XX/XXXX at about XXXX XXXX  and asked her what was my daily interest rate she said, 1.90. Well, last time I filed a complaint the daily rate was .00689, I asked XXXX why I had not been contacted concerning this new interest rate being applied to my account. XXXX said that I still had the 22.9 annual rate as well. My response was to say that I needed to file yet another complaint. 

This manipulation with my interest rate changing and fluctuations has to stop and TD Bank needs to adjust my current balance due to reflect the correct current interest rate that appears on the back of my monthly statement. Also, Target Card Services has never submitted to me a copy of the agreement that I signed stating that it was okay to charge a higher interest rate charge. I have repeatedly requested a copy via XXXXwo phone cals and one letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX credit card balance is incorrect balance should be updated to XXXX XXXX XXXX credit card balance is incorrect balance should be updated to 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 2021-12-16
Company: Experian Information Solutions Inc.
State: NV
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:
I have requested multiple times the unacquires be removed of my credit profile. This issue has limited my ability to seek employment, obtain credit, and I am not able to get loan and credit that qualifies to my personals because of this issue

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 2019-12-23
Company: Resurgent Capital Services L.P.
State: WA
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:
Date of first delinquency is incorrect, balance is incorrect payment history is incorrect. NEVER had a contract or any agreement with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In XXXX, I took out a student loan to attend XXXX  school at the XXXX XXXX XXXX XXXXa at XXXX XXXX. I borrowed approximately {$22000.00}. I began paying back on the loan in XXXX. Since that time the loan has been bought and sold numerous times. I can not tell you what specific lending institutions had the loan during the past 19 years. Currently, my balance is over {$17000.00} after paying on it for nearly 20 years. I dont know how that could possibly be. I have tried on multiple occasions to contact lenders for loan and payments histories to no avail. No one has been able to provide this information. Specifically, I have not been able to find the original amount borrowed versus what I have paid to date. I have had no success tracking this down. The current loan holder is Navient. They have not been able to provide any relevant information either. I am reaching out to you to help me resolve this matter. I have had zero luck myself. I feel I am throwing money down the drain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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:
Disputed the inaccurate information and the credit reporting agencies has failed to comply and correct the status of my consumer report. As this is a direct violation of 15 U.S code 1611 willfully and knowingly reporting inaccurate information damaging the credit worthiness of the consumer

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 2022-05-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX Account Number : XXXX 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 2022-08-07
Company: Velocity Portfolio Group
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The collection agency has repeatedly called daily for the past year. Many of those calls are outside of approved times before XXXX am and after XXXX pm. Calls during the day are persistent and disruptive to my work schedule. They have also called from numbers indicating they were from businesses I have relationships with, individuals I know, or even numbers associated with legitimate US government agencies like the Postal Service or Customs and Border Protection. They have also called coworkers indicating they were from Customs and Border Protection, and I was in trouble and needed to be contacted. They have also told coworkers erroneous information about my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: ALLY FINANCIAL INC.
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22 I went to purchase a car and pay for it in full. When I went to transfer the funds, {$5000.00}, to my checking account from my savings account, I discovered my accounts were locked. The bank didnt immediately release my accounts after I confirmed my identity. I bank through Ally Financial. They eventually unlocked my accounts but this forced me to finance my car instead of purchasing outright. 

On XX/XX/22 I deposited {$10000.00} from my XXXX account where I have my paycheck deposited from work to my Savings account. Again, my account was locked but they unlocked it soon after my identity was established and the transaction was validated. On the same day, I decided I wanted to purchase two vehicles for my significant other and I. Prior to transferring money, I contacted my bank and informed them of my intentions. They refused to transfer the funds for me over the phone immediately. I answered every security question, provided my full name, date of birth, social security number, and called from the phone number on file. I also requested a call back after they spoke to a supervisor to determine what the course of action would be. When I didnt get a call back, I requested another call from the bank through the automated system and was told it would be approximately 45 minutes. I scheduled the second call back over an hour and a half before closing time. I never received a call back. 

On XX/XX/22, I attempted to transfer the funds, {$160000.00}, from savings to my checking account and my accounts were frozen. On XX/XX/22 I contacted the bank AGAIN. I was told that the amount was too large to be transferred and they could only transfer {$50000.00} for one transaction. This was not disclosed to me on XX/XX/22. They also did not unlock my accounts and I have been waiting over 30 minutes for a supervisor to talk to me about my issues. 

Additionally, anytime I transfer money from XXXX, XXXX, or XXXX into my checking account, the funds are not available in my checking account until after XXXX hours.

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 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent certified mail, return receipt to XXXX, XXXX and TRANS UNION requesting investigation on several items and that they send me copies of all information related to each item to include documents with my signature on them.All I received was a notice on the website for each one saying they verified each one as accurate.I did not receive the requested documents as proof that I owed any item and therefore they failed to complete my request and send me they method of gathering information, the requested documents with my signature on them and any documents they had on file to include the name, address and phone number of each person they contacted to verify the information was correct as I requested.

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 2016-10-03
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account in apx XX/XX/XXXX and was told due to my credit history I needed a Opportunity Checking and had to pay a monthly maintance fee for 12 months. I agreed and once I completed 12 months in good standings my checking account was converted to a normal checking account with out monthly fees. XX/XX/XXXX I got a phone call from a fraud unit officer asking if I had knowledge of someone from out of state depositing a large check into my account. I stated no, they told me I was possibly hacked and they would research and call me back. I was called a few days later told yahoo or somewhere had a large breach and my account was compromised. I was told my account would be closed and I could just have a new one opened. I went to start the process of having one open and now im being told that I owe Webster money from XX/XX/XXXX. They are unable to tell me why or any details. I am told I need a Opportunity checking again and I have to pay a monthly fee. I disputed this because I do not agree that I owe money to Webster. I also pointed out I have had a open account for almost 2 years in good standings. The manager said he was going to call me back but never did, when I called back he did no research and said he thought he already told me I need a opportunity checking, I said yes and I disagreed asking for that to be fixed. I called customer service and asked the manager on more than 3 request to have the office of the president or corporate call me to discus this issue and I was refused to be able to speak with anyone. I told the manager I would be filing a complaint and he said go ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Waypoint Resource Group, 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:
I received a credit alert that I had a delinquent account, and it was showing up as such on my credit report. I immediately paid the debt, afraid that it was something I truly owed. Once I paid the debt, I contacted the company to inquire about the debt, as I had not had an account with them for 6+ years. The company was XXXX  ( the internet/phone/cable provider ), who said I owed them for past due amounts. I never received any letters or requests for payment in the 6+ years that had passed between my account being closed at my request and the debt being put on my credit. Once someone with XXXX  looked into the matter, they admitted that I should never have been charged and it was an error on their part, they would be issuing me a refund. It took 2+ months to receive my refund via Visa prepaid card. Another 9+ months later, I bought a new car. This delinquent account was STILL showing as delinquent on my credit report, although the debt was paid, XXXX  admitted fault in ever reporting it, and refunded my funds to me. I have since tried contacting XXXX  multiple times with no avail. I am constantly told someone will call me back, but never receive a call. At one time, the debt collection company explained they would release it once they received written confirmation from XXXX  to do so ; however, it has been WEEKS and XXXX has not yet provided proof of anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
yes -- I am not sure if it is legal or not -- -that is why I decided to contact you. Here is what is going on -- -I have a insurance policy with XXXX XXXX they have sent in to all 3 major credit bureaus that I owe them money -- I still have the policy so I called them to ask why do I owe them money and my account is current -- -she said that in 2016 when I renewed my policy that I owed them a past due balance -- -now when I renewed the policy I was not aware of this debt and why they did not say something then -- -- -now I have disputed this account with all 3 credit bureaus and they are saying that the information is correct -- -of course my name and social security is correct because my account is current -- -my question is can they put that on my credit file as a bad debt because that is not a credit card not an installment -- -could you please let me know if an insurance company has that right -- -- also what about the collection companies can anyone just put whatever they want on our credit file -- -also in identity theft of course they have your name and social security number and all of your personal info that does not mean it is me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 my second time disputing the following accounts : -CAPITAL ONE BANK XXXX XXXX # XXXX -XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXCAPITAL ONE  AUTO FINANCE # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2022-02-28
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt is for an apartment lease which ended and the owner of the property sent an incorrect amount owed at lease end. I tried to explain to the collection company that the owner of the property acknowledged that the amount is wrong. I was willing to pay the correct amount do but they became very nasty and refused to discuss the true debt owed. the debt is for about {$500.00} and only {$230.00} is actually owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: Possible Financial Inc
State: OH
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 my second time disputing the following accounts : -XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
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: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries on my report that I do n't recognize and I ask the agent to remove the unknown inquires

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 2022-01-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Account information incorrect

Complaint:
XXXX is reporting my USAA old credit card account incorrectly. Paid XXXX XXXX {$350.00} to settle in full the {$800.00} balance on XXXX per USAAs instructions. I have a letter dated XXXX from XXXX stating I have a XXXX balance with USAA Savings Bank acct ending in XXXX after my payment. The letter also states the account is now settled in full. I uploaded this letter to XXXX, but they would not delete the incorrect info on my account saying I have a {$430.00} balance left on the account and they did not put settled in full on my USAA account on the credit report. I disputed both online and via phone again on XXXX with no change. Yet both XXXX and XXXX updated my account correctly within 3 weeks to {$0.00} balance and settled in full and my scores went up. My XXXX credit report is lowered due to incorrect reporting. Please fix asap!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: Experian Information Solutions 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:
Beginning in XX/XX/2016 I began the process of fixing errors present on my credit report with XXXX, XXXX, and Experian. 

Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you. 

or 2 ) Information on this item has been updated. 

Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX, XXXX. 

Creditor : XXXX XXXX Creditor : XXXX/XXXX XXXX XXXX XXXX Creditor : XXXX/XXXX Creditor : XXXX XXXX *In reference to above XXXX XXXX XXXX XXXX , account name and date opened is incorrect. 
Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX Creditor : 10 XXXX XXXX XXXX Creditor : 12 XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Creditor : XXXX XXXX XXXX XXXX  Creditor : 07 XXXX UNIVERSITY Creditor : XXXX/XXXX *In reference to XXXX/XXXX/XXXX  XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 12 XXXX XXXX XXXX, 10XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX account status, balance, and date opened, balance is not 100 % accurate. 
Creditor : XXXX/XXXX *In reference to XXXX/XXXX, account past 7 yrs. and balance is in error. 
Creditor : XXXX XXXX XXXX/XXXX XXXX has deleted XXXX/XXXX Experian has deleted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has deleted XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX, XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief