BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-19
Company: AMERICAN EXPRESS 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: Problem with customer service

Complaint:
American Express ( Amex ) fraudulently attached to my Gold account seven ( 7 ) unauthorized users with their own credit cards numbers. IT IS IMPORTANT TO NOTE THAT NONE OF THE UNAUTHORIZED USERS WERE EVER KNOWN BY, OR ASSOCIATED WITH ME. Amex told me that the unauthorized cards were " attached to my account '' by Amex 's computer. Before these unauthorized cards were attached to my account, I had in excess of XXXX points. The unauthorized users eventually drew my points down to XXXX. Amex told me that my points were " used for XXXX purchases '' and travel. At this time, my XX/XX/XXXX statement indicates that I have a NEGATIVE XXXX POINTS. I began contacting Amex in XX/XX/XXXX. They finally reissued a new credit card number in XX/XX/XXXX, BUT THE SAME UNAUTHORIZED/UNKNOWN USERS WERE STILL ON MY ACCOUNT. At this time I requested paper copies of my Amex statements dating back to XX/XX/XXXX so that I could scrutinize each transaction, etc. I have yet to receive copies of my statements. Amex continues to deduct points from my account to 'pay back ' points that I NEVER USED. At one point, an agent told me the matter was closed and that my account had XXXX points. Sadly, my ill husband and I wanted to take one last trip together. Of course, I had counted on plenty of points for the airline tickets. Without these points, we are unable to take this trip. Rather than try to help me, they have now reduced my point balance to XXXX for reasons I do not understand, nor can they explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, I went to the TD Bank locates at XXXX XXXX XXXX in XXXX, Fl in ref to an account being opened in my name. I received a statement from XX/XX/XXXX-XX/XX/XXXX with a XXXX balance. The bank rep, XXXX XXXX XXXX, said the acct was opened on-line and they immediately closed it. I informed them I had my personal info compromised in the IRS release of info and had a police report for that. I had a police report written for this incident. 
In the last week I have received two ledgers with checks and deposit slips for my new acct wITH TD Bank, each with a different acct number. Both ledgers were sent to my house. I called their Fraud dept and after being on hold for 30 mins, was disconnected shortly after the fraud employee answered the phone. I called back and have been on hold for 25 mins again after explaining to the receptionist I am a victim of fraud agai with their bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
hello i have tried sevrel times to get experian to delete negative info that the company agreedto delete no response and there system will not allow me to do an online dispute

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
To whom may concern, I was charged {$520.00} as penalty to withdraw a CDs. Please allow me to demonstrate the unfairness from TD bank services. 
XXXX. I tried to stop the transaction before it is completed. I opened a CDs online on TD website, but I realized my investment on TD was poor, and I tried to stop its process before it is completed. So within an hour, I called Customer Services to stop it, they said they can not and I need to go to the branch. I went to the branch ( XXXX ) right away ; the banker XXXX XXXX tried to reverse it for me, but he said the CDs is not on the system yet, so I have to wait 72 hours to come back for any action. I came back to the branch next Monday, Banker XXXX XXXX picked up my case and brought it up to her manager XXXX XXXX. XXXX brought it up to her Region Manager ( I can not get the name ). The top manager insisted I should pay full penalty. 
2. I invested the CDs with Step rate of 5 years, and the first year rate was just 0.35 %. Why my penalty is too high? For step rate CDs, I can take out all my monies after a year matured. With the Cds amount of $ XXXX, I will make interest of {$260.00} for the first year. My penalty is {$520.00} which is much higher than the interest I would make. 
3. TD bank did not give sufficient and clear information when I opened the account online. TD website did not clearly state the penalty of withdrawing a Cds. It makes it too simple to open a CD account. 
Please investigate my case, I am complaining because the TD bank 's delayed process, the top manager 's disregard, the unclear high penalty, and insufficient provided related information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAD AN ACCOUNT REMOVED FROM MY REPORT DUE TO IDENTITY THIEF. I SENT ALL THE DOCUMENTATION NEEDED AND THE ACCOUNT WAS REMOVED. NOW THEY HAVE PUT IT BACK ON MY REPORT WHEN THEY KNOW I AM A VICTIM OF IDENTITY THIEFT.

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 2017-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX   XXXX  is reporting negative on my account for a  CANCELED CONTRACT.  I have recently been informed that there is negative information reported by   XXXX   XXXX   XXXX   in the file transunion and  XXXX  maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing showing that i owe {$2400.00} to   XXXX   XXXX   XXXX  . I dispute the accuracy of this listing.Please validate this information with national credit systems and provide me with copies of any documentation associated with this account, bearing my signature showing that i have done business with them, signed a contract with them or owe this company specifically money. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.   I am keeping careful record of experian and transunion 's actions, including their Method of Verification. I do not consent to  XXXX  or any means of automated verification.   I have been the victim of id theft and this company is claiming that i owe them money, but they can not produce DATED, SIGNED CONTRACTS THAT I HAVE DONE BUSINESS WITH THEM OR OWE THEM ANY MONEY. Again, i need to see copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the 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 2015-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Worked for a company on line that gave me a routing number and checking account number from XXXX XXXX XXXX to give to Capitol One bank to pay off credit cards in my name so i could ship products from the US TO XXXX XXXX Capitol one bank was the only bank to accept the bank account from XXXX XXXX bank without it being my personnel account THIS WENT ON FOR XXXX MONTHS UNTIL Capitol One GOT NOTICE THAT OT WAS A FRAUD ACCOUNT ... gave back XXXX to XXXX XXXX and held me liable a XXXX year old women on social security

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-19
Company: Payday America Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I began being contacted by Payday America on XXXX XXXX. I received both a text message and a I believe a restricted number call followed by a caller Id call from XXXX. I was left a message that stated that Payday America was attempting to contact me regarding a  payment that was due on my account. After I received the message I immediately contacted the company and let them know that they were contacting the wrong person. That I have no loan or pawn item with Payday America. I insisted that they no longer contact me regarding a debt that is not mine and told them to remove my number from their database. The woman on the other end of the line was rude. I told them do not text me or call me again. I then received a call and a text message on May 5th. I again contacted Payday America and asked them to remove my number. The  woman on the other line attempted to get my name. I let her know that I do not have an account with them and I was not providing that but I provided the phone number and again requested that it not be contacted. I have since received two more text messages weekly on Fridays and get a restricted call followed by a caller ID call of XXXX calls every Friday as well and have contacted them every time they have called and asked them to remove my number. Today XXXX XXXX XXXX after receiving both a text message a restricted call and a caller ID call with the caller ID of XXXX I called Payday America again and again requested to have my number removed from whoever is using it on their account. The woman on the other end of the line said that there was no way to remove it and I should just " Block '' their number on my phone. I do not want my phone number that I have had for 4 years to be associated with someone 's account that has payday loans. I do not think that it is too much to ask to have my number removed. I should not have to block a phone number from calling me to avoid a company calling me regarding a debt that is NOT mine. I do not authorize them to call my cell phone for the purposes of collecting a debt. I do not authorize them to text message me on my phone that I pay for to collect a debt that does NOT BELONG to me. I want my number to be removed from the account in which it is associated and I want them to NEVER contact me regarding someone else 's debt again. I have tried 4 times to get them to remove my number and now I am here. Please help me to get them to stop contacting me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
While on XXXX an American Express card was cloned. 
Part of an identity theft. I tried to work with Amex they refused to assist. On a weekly basis my bank pays Amex. Amex refuses to speak to me. They say there is a collection agency handling. I have never received anything in writing from anyone other than Amex after the fact saying the account was closed. After I complained that my credit report was not reflecting my payments in accordance with Amex 's agreement Amex charged off the card. Essentially, they accepted a plan due to the complex situation and then acted as if it never was agreed. I 'm continuing to do exactly as agreed. Amex receives money weekly, but I can not log in and have no proof other than I get a balance email from Amex. I 've written over and over and called Amex over and over they refuse to speak with me. The only organization worse is XXXX that essentially did the same thing minus the charge off. Every 6 months a person from the collection agency will call and try to get me to pay a lesser amount and " close the account ''. Today they called offering me another Amex card if I paid off the {$1700.00} or so owed. I 've paid over {$3000.00} just as agreed. However, this alleged collection agency will not send anything in writing. On my credit reports it shows no payments being made. I really do n't know what to do other than to keep sending weekly payments to Amex as agreed. It 's the honorable thing to do. This fraud situation has destroyed our lives. We have no rights these banks can do whatever they want. If you think it can not happen to you I am living proof that is not true. So we will keep paying just as we promised Amex until we execute our agreement with Amex. I 've filed a congressional investigation seeking to expose Amex and the puppet credit bureaus that are tools keeping people enslaved to debt. I know nothing will happen, but the offer of a " new '' card today was more than I can take. We just keep paying just as agreed. Just look at the date closed and date charged off. We never missed a payment. Amex just got angry that I filed a dispute as my payments were not showing up and punished me by charging off the card. Vindictive hubris. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Atlantic Credit & Finance, Inc.
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Two weeks ago I had sent a letter  of VALIDATION to Atlantic Credit & Finance Incorporated . Prior to the letter of Validation, I sought out verification first and did n't receive any, instead today I received a letter with an old billing statement from the original creditor about the debt I owe. I know that I owed the Original creditor, but as  for Atlantic Credit & Finance Incorporated, I w anted VALIDATION that I owed the debt to them as in I wanted a signature of mine consenting to their company to collect this debt. I just only received VERIFICATION of said debt in the form of an old billing statement.

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 2022-01-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
That all my payments were applied according, go repayment purposes and my credit score cleared of this debt. I have been paying a XXXX dollar loan for years the amount stays the same. I made payments up until XX/XX/2020 after being locked out online I called customer service about my account and they said my loan was default and would not give me information to get my account back in good standing. I recently obtained my credit report and I states I owe them money yet I call them and they say my account has been paid by another account. I still cant get correct information and my credit report is damaged due to them. Need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Mitsubishi Motors North America, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On  XXXX   XXXX ,  XXXX  I entered into a  XXXX  month lease for a new  XXXX   XXXX   XXXX  with creditor  Mitsubishi Motors Credit of America   XXXX  MMCA  XXXX . Note, that the contract did not assess a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent  XXXX  lease payments were paid in  XXXX  lump sum, totaling {$2400.00}, and was received by MMCA on  XXXX / XXXX / XXXX  ( see attached MMCA statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges assessed for either Normal Wear & Use or Excess Wear & Use ( see attached inspection report  XXXX . The vehicle was returned to the dealership where it was purchased in  XXXX  of  XXXX . There was not a problem with this account until  XXXX   XXXX . MMCA fraudulently reported to the  XXXX  major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because MMCA 's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with MMCA on  XXXX / XXXX / XXXX  a MMCA representative stated that the {$110.00} charge is NOT owed but still on my account because they have not yet received a " signed odometer statement from the dealership. '' Whether or not MMCA ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my  credit score  due to thier fraudulence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
TRANSUNION LISTS THAT I HAVE LIVED IN XXXX AND XXXX. I HAVE NOT

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 2021-09-01
Company: EQUIFAX, INC.
State: OH
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:
For the greater part of the last year I've disputed several accounts on my consumer file with both the alleged creditor and with Equifax directly. The dates are as of said disputes are as follows : XXXX XXXX ( no response ), XXXX XXXX XXXX XXXX The accounts in question : US Department of EducationXXXX Equifax continues to either ignore my request and/or update the account incorrectly. Today, XX/XX/XXXX, I spoke with an Equifax representative in regards to these accounts. The accounts are reporting CLOSED, as of XXXX. The rep advised the account also has late pays reporting as recent as XX/XX/XXXX. Myself and the rep agreed that there can not be new late payments on a CLOSED account with a {$0.00} balance. I requested the accounts be removed, the rep declined, stating she doesn't have the ability to do that and suggested I file a dispute. I requested to speak with a manager, because I'm not confident Equifax is doing their due diligence in investigating this matter. The rep advised they only receive electronic requests and do not verify the information upon submission. I explained how this is problematic for me, since the recent late pays are impugning on my reputation and has a direct correlation to my credit worthiness. After holding for about five minutes, awaiting a supervisorthe rep disconnected the call. 

I demand the listed accounts be removed or I will have to seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have previously submitted a certified letter on XXXX XXXX XXXX which was received and signed for on XXXX XXXX, XXXX requesting that a dispute be initiated for a XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is inaccurate and incomplete. The following is a list of incomplete inaccurate information contained in XXXX account XXXX. 
XXXX. Account open in XXXX/XXXX/XXXX however history is incomplete and missing payment history in XXXX, all of XXXX, all of XXXX, all of 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 2017-05-19
Company: DriveTime
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: Problem with personal statement of dispute

Complaint:
Drive Time  XXXX  received a certified payment from me in the amount of {$300.00} attached to the payment was a contract written and highlighted that stated : Accepting and applying this payment your company agree to remove ALL LATE PAYMENT REPORTED TO THE  XXXX  CREDIT REPORTING AGENCIES  XXXX ,  XXXX , AND  XXXX . The payment was applied and accepted I also received and email confirmation thanking me for the payment as well. Since applying the payment under the term noted on the money order payment  XXXX  has yet to honor the terms of applying the payment. I am requesting that ALL (  XXXX  ) LATE PAYMENT REPORTING BE REMOVED FROM MY REPORTS.

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 2017-05-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was purchased by Carrington in  XXXX     2017, an d I find their servicing practices to be very non-borrower friendly. First issue experienced is having my payment rise {$82.00} a month in order to build a legal amount in escrow. Even though, through  XXXX   XXXX   XXXX , there has never been an escrow shortage.     Next issue is that starting  X/X/2017   , Carrington will be charging {$5.00} convenience fee on all one-time online payments. This is my method of payment and unsure why I am now being penalized to use this service. I understand I can sign up for automatic payments, but sometimes life just doesnt work out that easy. I feel entrapped to sign up for this service and run the risk of overdrawing my account if the funds are not in there.     These mortgage payments have NEVER been late ; in the 10 years this loan has been active. I find Carrington Mortgage servicing practices un-nerving and a possible CFPB violation.

Company response to consumer: Closed with explanation