BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also enclosed copies of the Federal Trade commission identity Theft Affidavit. Please Delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of Receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible. 



Fraudulent Accounts BK Of AMER XX/XX/XXXX Amount : XXXX Account Number : 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 2017-01-06
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I opened a fixed rate Home Equity Loan about 5 years ago. When we opened the account, the two most important terms were clearly confirmed for us, which were ( 1 ) there would be no pre-payment penalty, and ( 2 ) all overpayment provisions would go towards the principal. We have made several overpayments on this loan since it was opened in varying amounts. In XXXX 2016, we made large overpayments. We then received a letter saying, " We want to make sure your money is going where you want it ... '' Later saying, " Right now we are applying your extra dollars to the next scheduled payment. According to our records, you have made loan payments in excess of the required payment amount. Each time you include additional funds in your loan payment, it is our policy to apply the over the payment amount due to the next scheduled payment. This often results in the status of your loan to be considered 'paid ahead '. Please know that we have reversed the payment dated XXXX/XXXX/16 in the amount of {$1000.00} and reapplied it to principal, making the next due XXXX/XXXX/16. If this is not what you intended, please contact us '' I called them and told them the following : First of all, we ALWAYS intended for the additional funds to be applied to the principal and this was clear when we opened the loan. Second, why are we getting a letter telling us what your policy is and then you are changing the policy without any request from us? 
I made this call three times over about a 2 month period. In each of the calls, I spent approximately a half hour on hold and the customer service person could not answer my questions. Each time, I requested that they figure it out and have someone call me back to explain. They have never called me back. 
I have reviewed some of my recent statements and they make absolutely no sense in how they have applied payments to interest and principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: SUN WEST MORTGAGE COMPANY, INC.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
Was told needed XXXX items ( conditions ) then after given to me they turned me down from original information not of the conditions. They drug me along for 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: CA
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:
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 : ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WITTEN INSTRUCTIONS. 
COMPANIES : XXXX XXXX {$350.00} XX/XX/2022 AND XX/XX/2022 I CALL AND I WAS TOLD THE SYSTEM DIDNT HAVE MY INFORMATION AND DONT WORRY ABOUT IT. 
COMPANIES : XXXX XXXX {$570.00} XXXX XXXX2022 AND XX/XX/2022 I CALL AND I WAS TOLD MY INFORMATION COULD'T BE FOUND

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, 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 XXXX XXXX XXXX account number XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX account number XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
criminal record was added to my credit report and has violated my rights. 
XX/XX/2022 this is in accurate 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 explanation
Consumer complaint received 2022-08-27
Company: Transform Credit Inc.
State: IN
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 that I dont know about. Transform Credit Inc, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: FIRST GUARANTY MORTGAGE CORP
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Goodmortgage.com provided me a good faith estimate and then changed the structure of the loan at the finish line. What they did to me was criminal and they robbed me of money while putting me under duress to close on the loan.

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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 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 explanation
Consumer complaint received 2017-01-17
Company: TD BANK US HOLDING COMPANY
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This payment is set up to auto pay by my credit union electronically, ( from day one ). I had to move the payment date back 2x because Yard Card receives the payment but does not post on time. This month, my credit union paid them XXXX on XX/XX/2017 with guaranteed electronic delivery of XX/XX/2017. As of today Yard Card claims they have not received and has levied a late fee. It seems no matter how early I pay it still gets held until a fee is charged. When I googled them I see that this is a common practice with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
Ttarget is charging odd amounts to my credit card, such as a penny here and there as the total. I was aware of this on XXXX XXXX. Also no one in customer service would respond. They have. Weird way of charging for online orders. They do it individually as shipped, but a penny. I sense something fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Fraud or scam

Complaint:
I am a Rush Card customer and my direct deposit from my payroll check is missing. It was never deposited into my account. Friday XXXX XXXX 2015 the Rush Card Company claimed that all direct deposits would post but it did n't. Its been XXXX weeks since the company claimed they had a update glitch but funds are still missing and the problem still is n't fixed. I really am hurting by not receiving my check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to these bureaus and they are disregarding the regular consumer disputes. I have been sending letters before this and still no respones.

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 2016-01-20
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
XXXX XXXX from XXXX XXXX XXXX contacted me from XXXX stating I owe a loan and I need to contact by end of business day or I may be charged by my county for a case. I have been receiving harrassement phone calls to me and family members. I received a contract to sign via email from XXXXXXXXXXXX to make arrangements to pay XXXX installments to stop case from escalating. after I agreed I did further research to originally debtor to find out this loan from longtime ago has been in good standing and has not been forwarded to this collection agency in question. I feel I have been scammed and they got XXXX installment from me but no more. they are very convincing so I was afraid and got scared so they can leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: SYNCHRONY FINANCIAL
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hello, On XX/XX/XXXX, I made my US Tax return payments using PayPal Credit for the amount {$6500.00}, which involved a {$120.00} fee. At the time, the credit balance displayed on my account was {$6600.00}, which should have been enough to cover both transactions. 

I made this payment through my PayPal Credit account but for some reason, PayPal decided to charge my XXXX credit card instead of the Paypal Credit account, which I never authorized. The only reason I used PayPal here was to make use of the 6-month no interest offer on $ XXXX purchases. 

Charging my XXXX credit card meant that I owe {$6500.00} on my credit card by XX/XX/XXXX instead of XX/XX/XXXX ( if it had been charged to PayPal Credit ). This is costing me XXXX of dollars now, in having to pay my XXXX balance of {$6500.00}. 

I reached out to PayPal & requested them to either redirect this transaction to my PayPal Credit account instead of my XXXX card or provide me a credit of {$120.00} ( the additional convenience fee I had to pay my merchant to use PayPal ).

PayPal provided multiple excuses ( whose documentation is attached here ). Their excuses are varied and ranged all the way through the XXXX  from : ( a ) alleged that I made the transaction twice when I made only one transaction, ( b ) alleged that there were security concerns due to which the transaction was declined by PayPal Credit & routed to my XXXX card without my authorization, ( c ) alleged that I did not have a sufficient credit balance in my PayPal Credit account. 

All of the above reasons are false & the fact still remains that I never provided explicit authorization to use my XXXX credit card. I've attached all the documentation in this complaint below.

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 2022-08-27
Company: DISCOVER BANK
State: IN
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 that I dont know aboutXXXX XXXX XXXX XXXX Discover Financial Ser, XXXX Discover Financial SerXXXX 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 non-monetary relief
Consumer complaint received 2015-06-17
Company: TMX Finance LLC
State: GA
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I went to Titlemax on XXXX XXXX XXXX in XXXX, GA on XXXX XXXX to apply for a loan with the title to my car. I received a loan for {$2500.00}. In XXXX when I paid my XXXX payment I asked what was the minimum I could pay. I was informed it would be {$300.00}. I had just been hired at a new company and getting settled in to my pay dates. I called again to make a payment on XXXX XXXX and I again asked what would be my minimum payment and was informed it would be {$300.00}. I was also informed by XXXX, who wrote the loan for me on XXXX XXXX, that if I did not pay the entire monthly note of {$360.00} that the amount I was paying would be applied to interest, an additional interest that was not calculated in the original loan agreement. This is a penalty for not paying the full amount. This was not in the written agreement and it was never verbally stated to me ever until XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I was overcharged an insurance premium ACH on my Nordstrom XXXX Card. I 've had my card for 12 years and never disputed a transaction before now. Customer service told me to download and print ( print! ) their dispute form, fill it out by hand and fax it ( FAX???? ) to them. They will review it within 30 days. I 'm disputing over {$2000.00} and this is how responsive they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 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 2016-07-28
Company: First National Collection Bureau, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've had no XXXX XXXX Accounts to my name in many years, maybe 6 or 7. When I finished my last contract with XXXX, I paid everything I owed proof of which is that I was allowed to take my mobile number to XXXX XXXX XXXX where I still have it. However, XXXX XXXX XXXX XXXX and First National Collection Bureau Inc keep harassing me by mail and phone calls to pay the {$51.00} that they say I owe and I know I do not owe that money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Meridian Financial Services, Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the past few months, I have gotten phone calls and at least XXXX letters ( dated XXXX XXXX 2015 and XXXX XXXX 2015 ) from an outfit called Meridian Financial Services , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX, phone numbers : XXXX XXXX. It turns out that this is a Timeshare company and they claim I owe them {$600.00}. I do n't owe these people anything. I 've never owned a timeshare and never will. They 've called me at home after XXXX and they 've called me early in the morning. 
I 've told these knuckle-heads that I do not own a timeshare and to take me off their calling list. And each time they say that they have removed me, but a few days later, I get another letter or call. 
The last time I talked to someone named XXXX and I also talked to the someone who claims to be the Account Manager : XXXX XXXX. I was not very nice to them and I demanded that they stop writing and calling me. I 've had it with these clowns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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:
On XX/XX/2023 I sent a letter requesting to have all of my personal information updated on my consumer report. Today is XX/XX/XXXX, and only one thing in the request was complete, still leaving inaccurate information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was sued for FCRA violation in 2021. XXXX still engaged in willful FCRA violations even after the lawsuit. As part of the Settlement XXXX will not allow any fraudster or promoter to look into my credit without my permission. XXXX violated the Terms of the Settlement in 2021.

( 1 ) XXXX allowed the following fraudster to look into my credit without my permission.

Date of request ( s ) XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX This fraudster and its CEO were also warned NOT to look into my credit report in 2021. But their criminality continued ( 2 ) XXXX reports wrong address ( below ) in my credit report XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. This has been going on for last 2 years and it was resolved in the Settlement. XXXX breached settlement ( 3 ) XXXX did not correct the balance as of my XXXXXXXX XXXX XXXX as of the date it was reported.

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 2020-08-18
Company: Experian Information Solutions Inc.
State: AR
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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX {$590.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX $ XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX {$400.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2600.00}

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