BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
TD Bank reduced the credit line without sending prior notice, a letter arrived explaining the action they took afterwards, the credit limit was XXXX they reduced it to XXXX in this way the card appeared completely full, this affected my credit, the payments for this card have always been on time, we could not go online to see the statement because we are XXXX  and we were XXXX, the amount of the card for that month had changed, we did not notice it, we paid the same amount from the card previous month, the TD Bank system said that there was no payment received, we tried to call but the call system was not very accessible, immediately we noticed what happened we sent the money that completed the payment plus the late fee, all this happened because it is more favorable for us to receive the statement in the mail, when we explained the situation to TD Bank in writing, they did nothing to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I refinanced my Fifth Third loan on my XXXX XXXX XXXX through XXXX XXXX. I sent in a check for the sum of {$3500.00} to XXXX XXXX and they made a check for the remainder and sent it to Fifth Third. These checks were received and signed for by someone named XXXX at their overnight payoff address on XX/XX/XXXX. I noticed that they were still not cashed on the XXXX and have been calling for action to be taken repeatedly to no avail. I now have a payment coming up that is due on XX/XX/XXXX to Fifth Third and another for my new lender on XX/XX/XXXX. I asked Fifth Third to reimburse me for the fee to put a stop on my check that I sent and was lost by them and they refused. I also asked if they could temporarily suspend my payment being due which they said they would not. I now have {$1000.00} of payments due next month on a car that is financed for $ XXXX. During this whole process I was hung up on the better part of 4 times, dealt with multiple people in online chat that constantly asked the same question over and over and over and were generally not helpful, and have been incredibly stressed for over a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2022 I completed a balance transfer with Citi to transfer funds to the account in the approximate amount of {$8400.00}. My account was set to auto pay, to pay the balance in full. 

On XX/XX/2022, approximately {$8400.00} was taken from my checking account bringing it in the negatives. This error was brought to my attention on XX/XX/2022. I called Citi on the XXXX, and the payment was reversed and returned to my checking. That same day, XX/XX/2022, I changed my autopay from pay statement balance to pay minimum payment and I received a confirmation on my screen. 

A day later, on or about XX/XX/2022, I checked to see if my minimum payment was scheduled to come out of my checking and if my Citi credit card balance was updated since I knew I had to make my credit card payment. When I checked my auto pay setting, it was erroneously set to pay statement balance even though I changed it the day prior. Again, I put it to pay minimum payment and received another confirmation. Note : I have to go through a confirmation to authorize the change. It is not toggling a button. 

Today, XX/XX/2022, Citi took approximately {$8400.00} from my checking account after they were not authorized to do so. I have notified them numerous times that this is not the payment arrangement I am seeking, and have changed this numerous times. I called Citi yet again demanding they reverse this as they were not authorized to do this. First, they said it was the same payment, which is not the case. Then, they said it will take time, which I know it can be done promptly as they did it the other day. 

Citi keeps on taking money from my account and they are unauthorized to do so. I have expressed my unauthorization on recorded lines multiple times and have changed my settings in their systems multiple times and they continue to violate laws.

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 2022-12-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The only XXXX negative reports on my credit are from XXXX XXXX XXXX XXXX and USAA both were credit cards and were over limits. The years the card was supposedly in my possession XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Experians make customer try their services in order to check their credit report. I had a 30 day trial for free. After checking my report I emailed and called to cancel the trial. Today I was charged for the trial even though I requested for it to be cancelled. When I called Experian today they told me there was no membership under my name. I want to be refunded my 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 monetary relief
Consumer complaint received 2022-07-29
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Letter dated XXXX XXXX from Rubin & Rothman , LLC stating {$2000.00} owed creditor : XXXX XXXX XXXX, account # XXXX, file # XXXX. 
Attempting to collect a debt. 
No knowledge of any such debt.

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 2022-12-06
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I contacted Paypal back in XXXX to close my Paypal Mastercard. They required that I pay my balance due, which I did. Approximately {$1200.00}. The next month they hit my checking account directly again. Since cancelling I no longer have access to login or review account activity. I called and spoke with someone who stated that this would be the last charge. Again today XXXX they hit my checking account again. I called and they stated that this isnt them. Theres nothing they can do about it. I explained to them that I would be contacting the CFPB to file a complaint and I have reported the transaction to my XXXX XXXX as fraudulent.

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 2023-07-31
Company: Experian Information Solutions 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:
details of this complaint is in the letter please review it. i have attached FTC that you requested and a screenshot as well of the charge-off accounts that i did not authorized and its not mine

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 2023-07-31
Company: Experian Information Solutions Inc.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2022-12-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wells Fargo XX/XX/XXXX entered a {$500.00} check that will be delivered on XX/XX/XXXX per the on line electronic delivery system. the check arrived XX/XX/XXXX. 
on XX/XX/XXXX a check for XXXX was entered into the same system that promised delivery by XX/XX/XXXX. the check arrived XXXX both of these checks are local in the same county as the bank that i use, Wells Fargo XXXX XXXX. 
i attempted to discuss this with someone at WF on XXXX and was unable to connect to any live person after listening to " options for XXXX minutes, selecting a choice and having the same options given. i never was able to speak to a live person. i then went on line to XXXX and listed the problem. instead of written response, i had to give my name an tel so that someone could contact me. i received a call on the XXXX and did not return the call as it was too late in the XXXX. received another call on the XXXX which i returnned. the basic response is that i had not given enough time for the check to arrive. i have been paying this vendor since XXXX with no problem with delivery and it has been actually early most of the time. my conversation resulted in the WF rep indicating that they are not responsible once i input the information. there was no concern that maybe there was a problem with their delivery service as these checks are not arriving, just that they are not responsible for having a secure system for delivering checks.

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 2023-07-31
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: Information belongs to someone else

Complaint:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX 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
Consumer complaint received 2022-12-06
Company: AMERICAN EXPRESS COMPANY
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: Investigation took more than 30 days

Complaint:
the consumer reporting agencies have been put on notice that they are reporting inaccurate information and refuse to delete claiming to have verified the information. they claim to have validated the information using statements and consumer credit contracts. they have never validated the alleged debt and are pursuing to attempt to collect a debt that has not been validated. 
the attachments are of my most recent credit reports which show that XXXX has deleted the account that I am asking to be validated not reinvestigated, yet XXXX and XXXX are in blatant disregard of there obligation to report accurate credit information pursuant to the FCRA. The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have an Amazon credit card which is serviced by Chase Bank. While I have my debit card set as my default payment for all purchases, the payment method for some of the recurring payment subscription services, including the Amazon annual payment ( {$130.00} set to come out XX/XX/2023 ), XXXX XXXX ( {$5.00} monthly XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX XXXX {$2.00} monthly, XX/XX/XXXX and XX/XX/XXXX ), and XXXX ( {$10.00} monthly, XX/XX/XXXX and XX/XX/XXXX ), were changed from my debit card to my Amazon Credit Card. There are no conspicuous disclosures on the site which notified me that the default payment method for subscription services would change from my debit card to my credit card. I was not expecting any charges on the Amazon credit card, and have incurred some late fees ( my fault- I should have checked my statements ). I'm more concerned about how the subscription payment method was changed without me noticing. I changed the subscription payment methods back to debit for the Amazon annual fee today, but several of the subscriptions were already showing that the debit card was set up as the payment method even though the credit card was charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
I need my credit score to increase so i need any and all inquirys on my credit report removed Asap cause i can't even open a bank account

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 2022-12-06
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was trying to accept a payment for an online sale via Zelle which I had never used before. The person who scammed me ( I know now ) sent an email saying my account was frozen because I could only accept a lower amount than they had sent and that they needed to send a higher amount that I would then need to send back to them. I called my bank and my account was frozen so they unlocked it for me. And I sent the money that I thought had been sent through. Then I got an email from Zelle saying the person had double payed by accident and they wouldnt release the funds until I sent another {$500.00}. I tried to contact Zelle but you can not talk to anyone at that company when you call. I wanted to confirm that any of this was correct ; I talked to my bank several times and they did not flag this. I finally realized it was a scam when they said the ladies account was locked and I needed to send additional funds via XXXX. So Ive lost {$1000.00} right before XXXX and because XXXX cant get in touch with anyone from Zelle I have so chance at notifying them that this persons account is being used for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
There are funds of over {$5000.00} missing from XXXX funds! We have not been given proper accounting as to where our funds are there are missing funds being held as Surplus funds which are the same XXXX funds missing not accounted for on statements! This is not an escrow issue due to their being no escrow account on this account! The law mandates that all funds held by bank customer are reported per a taped conversation agreed to by both parties. Per the conversation it was stated that the funds not being reported are in banks possession of see below : Special loans team in Virginia headquarters service team XXXX XXXX XXXX messages left for her no response Where is the ledger of these funds what has the Acct number being used to report. The excuses given XXXX funds for emergency repairs XXXX funds for emergency repairs put to principal After two years in form of principal we know nothing if this not in loan docs! See Amortization schedule buy down {$16000.00} why how and how could this be done without refinancing? This would have to be a new loan, never late, pay own all no escrow immediately after escrow removed now this Where are the funds why do the statements not reflect the total funds held at bank and why? 

XXXX customer service representative XXXX XXXX put to principal After two years in form of principal new one on us, loan reamortized why we have not made any XXXX funds for emergency repairs put to principal After two years in form of principal, Company needs to report full record of XXXX  missing funds where is it, who has it, why is it not reflected on mortgage statement clearly what is going on! Why is there a new total buy down amount when no new loan was taken out, loan in good standing even after all the trucks tried to confuse and steal funds! THIS IS NOT AN Escrow ISSUE ITS A MISSING FUNDS ISSUE AND FALSELY REPORTING FUBDS, missing etc... 
This complaint is in both my name and my wife XXXX XXXX you have authority to discuss all with her as we work together! Please report this office Manager keeps being closed yet issue is not resolved!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: CITIBANK, N.A.
State: VA
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, this creditor XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is no outstanding debt. I have court orders that show that I am current on my account!! In fact, XXXX owes me money ( I have credit on my account ). 

See attached files. 

REMOVE NEGATIVE REMARK FROM CREDIT REPORT COMPLETELY. 
SEND ME NEW CREDIT REPORT ASAP ONCE REMOVED.

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