BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX 2015 I noticed a charge using my debit card for {$380.00} dollars. I contacted my bank TD Bank and disputed the charge. The charge came from XXXX XXXX who I called prior to filing complaint and they advised me that they did not show me being charged this. I filed a complaint with TD Bank on XXXX XXXX 2015 and they reissued me another debit card. I explained to them at the time that I never authorized Direct TV to make any charges to my card outside of monthly bill that I would call in to pay for service. Any how TD bank sided with XXXX XXXX and that was that for them. After calling around I found out why I received the Charge of {$380.00}. Prior to having Direct TV I had XXXX who had poor service in my area and with me traveling all the time I returned all their equipment and discontinued their service. This happen on XXXX/XXXX/2015 and I did not start up service with XXXX on XXXX/XXXX/2015. The XX/XX/XXXX XXXX merged with XXXX and They used my debit card to cover this charge from XXXX again who I never authorized to use my debit card. This is like someone hacking your account and taking whatever money they want and the bank saying OK. First this is a XXXX bank who should be bending over back wards for Americans if they want to operate in this country. Second and for the third time I never authorized this charge and even if I did owe XXXX money this is an improper and illegal way of collecting it. I feel the bank needs to be fined along with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My current credit report is showing that I have a Target Credit Card open that has never been used. However, I have never had a Target Credit Card. Target can not find any card under my name and is refusing to remove the card from my credit history even though they can not find a card registered under my name. Because I have never actually had a card with Target I do not have the full credit card number with which to reference what is showing up on my Credit Report. I would like Target to remove the credit card they have listed on my credit report as they have no history or documentation of me ever having had a card with them. Even though I do not have any outstanding balance this card is negatively affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
US Bank applied a {$36.00} fee to my account and brought the balance down to negative {$35.00}. They put my account in negative. Then proceeded to charge overdraft fees 4 more times. They created my negative balance then penalized me because of the negative balance they created. Furthermore, they did n't inform me of the impending overdraft fee nor informed me the account was actually in " negative. '' They refuse to rectify the situation. They have charged me a total of {$180.00} in overdraft fees and my account is negative {$170.00}.

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
Consumer complaint received 2022-10-26
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$6.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5000.00} ; XXXX, XXXX ( Original Creditor : XXXX ) XXXX Balance : {$660.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/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 2015-10-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Inaccurate information report to FHA on an account that is not mine. I 'm contacting you in reference to XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. My exhusband was awarded this property in our divorce. He did not refinance the house out of my name so I was filed for a Chapter XXXX in XXXX, quitclaimed the property to him and divested all interests in the property. Apparently in XXXX my ex let the proper go via foreclosure and a deed in lieu was signed by him and recorded in XXXX XXXX. I purchased a new home in XXXX and last month I attempted to refinance my home and was told by the lender that an alert was placed in the FHA XXXX system stating that I had a property foreclosed on and that it made me unavailable to refinance under FHA for 3 years. This property belonged to my ex and I should in no way be harmed behind it. I was told I 'm held liable too but that its impossible as I did not sign off on the deed in lieu of foreclosure therefore invalidating the deed. I was told I did n't have to sign papers since the property was given to my ex in the divorce. It can be XXXX statues to adhere to. Either its mine too or its not. If my signature was needed and was never obtained then the deed in lieu is not valid. I ca n't be penalized with him along with his property as it is not mine. I want Bayview to send information to FHA XXXX and have the erroneous information deleted from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I moved out of my apartment about 6 months into a 12 month lease. The landlord and I agreed they would keep the security deposit and I would move out voluntarily in 7 days. A week later I gave the building manager the keys and became homeless. 

I recently saw a collection account on my credit report for {$9600.00} from IQ Data showing the apartment building as the creditor. I called IQ Data and asked them to email me documentation about the amount. They offered to send it US mail but refused to email it to me. I am homeless and do not have a mailing address because I can not find a new apartment with their collection on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2015, I submitted a hardship letter to Wells Fargo the loss mitigation department expressing that I would be able to pay my mortgage due to a monthly increase in my XXXX mortgage monthly payment from {$1600.00} to {$2100.00}. This new payment of {$2100.00} for the XXXX mortgage plus a XXXX mortgage payment of {$390.00} gave me a total monthly payment of {$2500.00}. Since this payment is more than XXXX % of my monthly net pay, I could no longer pay the mortgage and have any kind of day to day life. After moving forward with notifying Wells Fargo, I think it was reasonable to think I would be a bit farther along in this process. I have completed every peace of paper work at least 4 times and I have yet to get any kind of resolution to my situation. The person my agent is constantly submitting paperwork requested without any resolution. This situation should be forwarded to any committee in congress that regulates mortgage finance. I have filed many complaints on this process and there should be some way to get this done a lot quicker than 6 months. My agent has submitted a contract with a buyer willing to buy the house through the short sale process more than 30 days ago, but due to Wells Fargo 's representative XXXX XXXX constantly asking for the same paper work to be sent over and over simply to harass my agent - is ridiculous. Again, my agent just sent all of the paperwork that was previously sent and we still do n't have any resolution to my problem. I really believe that I am being discriminated against because I 'm a XXXX female. There should be an investigation to see how many minorities get the run around when going through this process. The XXXX mortgage company - XXXX has approved the short sale and we are simply waiting for Wells Fargo.

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 2022-10-26
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: Personal information incorrect

Complaint:
I pulled my report and I noticed an address I never seen before this address below is not mines XXXX XXXX XXXX Fl XXXX Also I noticed an Employer I never heard or work for before I stated the employer below 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 2021-11-25
Company: EQUIFAX, INC.
State: GA
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 was severely impacted by inaccurate and invalidated information on my XXXX report which caused me to lose housing stability and access to my XXXX Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My wife and I had a lease w/ Hyundai Motor company. After the lease was at term, we turned the vehicle into the dealership we purchased it from. Shortly after, the dealership contacted us and said that they had decided to purchase the vehicle for the amount left owing and we should not be due any further charges. We then received a bill XXXX XXXX for {$400.00} for disposal of the vehicle. I called and asked their Lease End dept. to ask what the charge was for and they said its just part of the contract and if I did n't pay it, they would charge it off and put it on my credit report. Im going to pay the bill but I think Hyundai is charging customers for something they are not incurring any costs for. How many other XXXX customers are being charged for the same thing? I would like for someone to look into this because i dont think its fair and I would like my money back without my credit being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: RentDebt Automated Collections, LLC
State: TX
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 do not have knowledge of this debt that is trying to be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Risecredit, LLC
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied online for a loan with Rise Credit on Monday, XXXX XXXX, 2015. At the end of the application process, it stated that I needed to provide additional information and was given a list of additional documents that were needed. I provided the following documents : copy of driver 's license, social security, XXXX award letter and 2015 XXXX. After I submitted the documents, I kept getting emails from the company stating I needed to submit additional information. I had to submit my social security card twice, and the XXXX award letter. Then on Wednesday, XXXX XXXX, I received an email from the company that all my documents had been received and I would have a decision that day. As the end of the day approached and I had not received a decision, I contacted the company again to see what the status was. I was told that my documents were in the reviewer 's inbox and it would probably be the next day before a decision could be made. On Thursday and again today ( Friday ), I contacted the company for the status again and was told no decision had been made and that it would be another day. I was also told on Thursday that after 10 days the application would automatically be cancelled if no decision was rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted a complaint to the CFPB complaint # ( XXXX ) to advise of a Navy Federal charge off thats reporting on incorrectly my credit report. The following account was charged off as of XX/XX/XXXX since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this is also falsely manipulates the statue of limitations. Navy Federal responded back to the complaint stating on XX/XX/XXXX Navy federal noted a discrepancy in the payment history and the date of last delinquency And have sent a request to the credit agencies to update the information correctly and they also advise the update could take up to XXXX. Today I reached out to XXXX and spoke with XXXX the supervisor in the dispute department and she advised there was not a request sent by Navy Federal or any other company for an update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX I was trying to add funds into my XXXX XXXX and it declined it went onto the td bank app instead to XXXX come to find out Im locked out my account. I called td asap since Im unaware as to whats going on in my account since Im outside the US. The rep told me my account was closed due to a XXXX  that was being disputed and told me go to a branch for my info. I returned back to the US on XX/XX/XXXX went to a branch for the rep there tell me to wait for a letter that she couldnt give more details. Now we in XXXX I called few days ago to td bank to follow up since my funds have been frozen due to the account closure. The rep that helped straight told me they was charging back XXXX  transactions that I had received apparently I cant accept payment unless they personal and that for me to go thru my statements and reach out to all who td is refunding back

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: JLU Asset Management Group LTD
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm being called by ( XXXX ) XXXX. He wont tell me his name, what company hes calling from and is asking for XXXX XXXX, and " you must know her tell me where she is. '' He keeps calling and will not let me talk to a supervisor because he says he is the supervisor. Very rude on the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
Experian is not reporting correctly, XXXX has some discrepancies and XXXX as well. All three are not accurate and should be held liable for all the time my credit was worse than what it really was.

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 2021-01-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2015-06-11
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX i noticed that there was a transaction that i did not recognize on my credit card account for XXXX. I called American Express Bluebird to report the transaction. At the time i was advised that they would not be able to start an investigation until the transaction posted to the account. I had been monitoring the account and on XXXX/XXXX/2015 i notice that the funds were charged and so I called American Express. Up until that point they were not able to supply me with information as to were this transaction took place. To date they have refused to supply me with this information. On XXXX/XXXX/2015 in our conversation they advised that in order for them to initiate a fraud case i needed to fill out a declaration of fraud. In the email it advises me that it may take up to 45 days to investigate. I was going to fill this document out and email it back the following day since I was at work at the time. On XXXX/XXXX/2015 I received an email stating : " Recently you inquired about your charge ( s ) from your American Express Prepaid Card in the total amount of {$530.00}. Based upon our investigation we have determined that no error occurred and that transaction in question was authorized '' sequentially I received another email on the same day minutes apart stating : '' During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : Section XXXX Due to the violation, your Account has been closed. '' when called to inquire I was told that no information was able to be provided since the account was closed. I inquired as to what factors and evidence did they use to determine that the transaction was not fraud I was told that i needed to call the police and they will provide that information to them -, I called as a last resort to this complaint and spoke to XXXX rep XXXX to get what was the main office address for American Express and was advised that he was not able to provide me that information, however he did advise that the XXXX for an investigation was that they needed the XXXX returned to be able to initiate the fraud investigation. when Questions as to why if I had not yet replied I receive the above mentioned email he was unable to respond. I then asked what bank was the credit card company affiliated with he was unable to provided me with that number. I called again and all of the mention information including the fact that they could not open a fraud case unless the XXXX was received was confirmed by XXXX rep XXXX. I then tried my luck with a supervisor and was told that they would only disclose information to a police officer.

Company response to consumer: Closed with explanation