BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-16
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Received a XXXX form dated XXXX/XXXX/XXXX from TD Bank XXXX It states I had bond interest for ( 1 ) XXXX XXXX for {$550.00} and ( 2 ) XXXX/XXXX/XXXX - XXXX/XXXX/XXXX for {$34.00}. I called customer service on XXXX and spoke with XXXX to inform them I did not cash any bonds in XXXX. She then disconnected me. I called back minutes later and was connected to XXXX, who stated she will fill out a form to begin an investigation. On XXXX/XXXX/XXXX I received a new " corrected '' XXXX form with only XXXX interest entry removed for {$34.00}. On XXXX/XXXX/XXXX I called customer service and spoke with XXXX to inform her the corrected XXXX form was still inaccurate. She informed me she would have this " expedited '' due to it being my 3rd time calling in and that someone would call me and a new form would be sent within 3 days. As of XXXX/XXXX/XXXX I have not received either a phone call ( as promised ) nor a corrected XXXX. I called in to customer service now for the 4th time and spoke with XXXX. She verified my address and stated she just spoke to someone who was going to send a new form. When I asked how much the " corrected '' XXXX was for she stated it was for {$580.00}. I told her that was not accurate and could I speak with the person she referred to that was going to send a new form. XXXX then transferred me to " XXXX '' a supervisor in the contact center. When XXXX got on the call she asked me what was the problem. So now for the 5th time I had to tell her what was wrong. She clearly did not understand what I was asking and stated " we do n't sell bonds at TD bank ''. I explained to her again what the problem was and her response was, I will get back to you. The Contact Center employees clearly do not understand XXXX forms or how to get them corrected. How many times does a customer have to call TD Bank to get an issue corrected. I called 5 times and my issue is still not corrected and there is no end in sight. They are not only reporting inaccurate information to the IRS, they are causing me time out of my day to make all these calls, which the XXXX made today ( XXXX/XXXX/XXXX ) lasted more than 30 minutes on hold with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28
Company: TCF NATIONAL BANK
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
TCF Bank denied a valid Charge Back because of customer benefit. I tried to return the product back to XXXX XXXX XXXX three times. Two by email one by certified mail restricted delivery. The certified mail was unclaimed and mailed back to me. Under visa regulation E under chargeback Management guidelines for merchants. reason code XXXX : not as described or defective merchandise. I 'm only required to make a valid attempt to return per visa regulations. XXXX example is " an example of a valid attempt to return may be to request that the merchant retrieve the goods at the merchant 's own expense. Please see attached visa regulations. Two times on XX/XX/2016 I requested per email that XXXX XXXX XXXX. " I 'm requesting that XXXX XXXX XXXX come retrieve puppy ( took out name ) at your own expense. '' On XXXX XXXX, 2016 I requested per certified mail return receipt that XXXX XXXX XXXX. " I 'm requesting that XXXX XXXX XXXX come retrieve puppy ( took out name ) at your own expense. The mail was unclaimed and returned back to me. I followed visa regulations and fact is TFC wrongfully denied my claim. I 'm legally entitled to a full refund per visa regulation E guidelines that TCF bank is supposed to follow and simply does not. If this issue is not resolved here I will separately file The Claim Notice for Arbitration I do know my rights and they were wrongfully denied here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Io, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not know there was any collection being taken against me until years after the debt when it appeared on my credit report. I do not owe the medical debt they are claiming, as I had health insurance at the time and my visit was covered. I never authorized any additional charges outside the scope of my health insurance. I have contacted company several times and a bill or explanation was never provided to me. I have also received letters from attorneys in regards to a class action lawsuit against this collection agency and original debtor that they have been found guilty for scamming numerous other individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Summit Financial Corp.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XX/XX/2017, I voluntarily surrender my XXXX XXXX XXXX to Summit Financial Corporation. Now, Summit Financial Corporation is stating on my credit report that I filed Bankruptcy. I did not file bankruptcy on this vehicle or this company. The information that they are reporting is fraudulent information. I want them to remove this fraudulent information from my credit report and come get this vehicle that I voluntarily surrender.

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 2020-04-01
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have multiple students with Discover, I believe that I have overpaid all of them due to excessive inexplicable interest charges.

I first complained about excessive interest in the spring of 2019 after several lump payments I made didn't affect how much of my payment was going to interest.

I called to complain about this issue again in the fall of 2019 as my minimum payment due was not going down after several lump payments. I was re-assured that it would be re-calculated at the end of the quarter, and it was.

I called Discover on the first week of XXXX to understand why I paid $ XXXX in interest in 2019 instead of the max possible $ XXXX, and could not get a answer to my question. 

After examining my statement for the month of XXXX, I discovered that I was being charged extra in interest. I called Discover continuously to have someone explain the extra charges. Everyone I spoke with, including a supervisor, agree to the amount I should be charged {$10.00} based on their ( and my ) calculations but could not offer an explanation for why I was actually charged {$34.00}. They usually end with something along the lines of " the computer does the calculations and it doesn't make mistakes. '' I wanted to know what " the computer '' was doing differently and have called Discover multiples times per day over the past two weeks on this issue. Eventually, I requested my payment history for all my loans, statement history and origination letter and decided to compute my loan history based on the terms of the loan. 

I realized that Discover owed me significantly for each loan and since then have been practically avoiding having a meaning conversation about it when I call. I get moved from rep to rep. I get told to review the documents carefully etc.

Attached are two documents for the calculations of one of the loans : one that matches my payment history and another that shows the interest computations daily. You can see that the bank currently owes  me {$1300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: FIRST NATIONAL BANK OF OMAHA
State: SD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have had issues in the past with overdrafts to my business checking accounts. My bank 's online banking does not allow transfers after XXXX to go through until the next business day ( two days later ), even if I have funds directly in the bank. I work out in the field and am unable to check my online banking until the evening. The branch president and my loan officer agreed, if I e-mail them in the evening, they will make the transfer for me and I would not get the overdraft charge. On XXXX XXXX, 2016, an e-mail was sent to my banker, requesting to transfer {$500.00} from XXXX of my business accounts to the other, to cover pending deposits, to avoid an overdraft per our discussion. I checked the account on XXXX XXXX, 2016, and an overdraft of {$38.00} went to my account with no transfer made per my e-mail request. The bank is not honoring their commitment and agreement we came to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: EQUIFAX, INC.
State: VA
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:
In XX/XX/XXXXI received a Loan from XXXX XXXX for a XXXX XXXX XXXX. I made very payment on time until XX/XX/XXXX when I was T-boned by a driver who ran a red light, speeding, and under the influence and totaled the car. When the accident happened I knew that the car was totaled and my payment was due that day, so I did n't make the payment. During the process with Insurance company my self and the Insurance company spoke with XXXX to ask for the Pay off balance. They gave the Insurance company a figure, and they paid it. I called several times and spoke with XXXX because I had GAP insurance, they were contacting XXXX but XXXX did not contact them back. The GAP Insurance paid and it left be with an unpaid balance of XXXX. I called and asked how does this happen? the point of Gap is to now owe. They told me because when I purchased the car I moved my payment date from the date of the loan to 10 days later into the month. I explained to them that when their rep. called me to welcome me he asked if I wanted a different payment date and I said yes and we moved it. No one told me that interest would accrue for those 10 days. I also told them had I know I would owe the XXXX I would have had it put into my new auto loan. But the figures that were given to the Insurance company and the Gap Insurnace company paid the balance off this was not covered by Gap because it was considered not making a payment on time. 
I spoke with a rep in XX/XX/XXXX and explained that It was difficult for me to make that payment of XXXX a month and my XXXX a month car payment. She said it was low enough to have a supervisor look at it to close the account and XXXX would just write it off. I went a month with out hearing from anyone and called back in XX/XX/XXXX and I was told that the rep did n't know what she was talking about and they can not write that off and that my payment was due. I advised them I could n't make the payment and they told me they would repo the car. I told them good luck it was totaled sitting in a Junk Yard somewhere. 
I have written them and called them and asked them repeatedly to update my credit report, they sit and how delinquent after I paid them off in XX/XX/XXXX. The account was current when I paid the balance. They refuse to allow me to speak with their client services department, I am spoken to rudely every time I call. They scammed me and I hope that no one else deals with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: NC
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:
I have a auto loan for a car with XXXX XXXX. I don't even own possession of the vehicle with the account they have me associated with that is still open. 
1. Account is reporting with 3 different amounts of high credit. 

If this is the same account being reported by the same creditor, why are my XXXX XXXX Account, XXXX XXXX Account, and my experian account have different amounts? 

In accordance with the fair credit reporting act XXXX  Account # 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 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 2020-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2020, I used the Capital One pre-approval site to see if they would approve me for a credit card. The response indicated I would be approved for a card. 
On XX/XX/2020, I formally applied for the Capital One Savor card on the Capital One website, and I was declined, although I was offered a different card with a {$1000.00} credit limit. I declined, as this was not the card I wanted with the features that I wanted. 
Later that day, I received an email from Capital One that provided me a copy of the credit card rejection letter. The reason provided for the decline was, " number of bank cards tradelines opened in the last 24 months. '' It did not provide an actual number, however. The letter did note my XXXX credit score being XXXX. 
On XX/XX/2020, I wrote and mailed a letter to Capital One, requesting more information about the reason for being declined. Specifically, I wanted to know what the maximum number of tradelines that could be opened in the last 24 months, so that I would know what steps could be taken to get approved for this card in the future. 
On XX/XX/2020, I received an email from Capital One that provided me a copy of the same rejection letter with only the date of the letter updated. I did not receive any reply to the questions I sent in my letter. 
On XX/XX/2020, I sent a 2nd letter to Capital One, requesting the same information as before. 
On XX/XX/2020, for the second time I received an email from Capital One that provided me a copy of the same rejection letter with only the date of the letter updated. I did not receive any reply to the questions I sent in my 2nd letter. 
Since XX/XX/2020, I have tried to contact Capital One by phone to get answers to my questions several times, trying various phone numbers. Those calls have been futile, as either I get a recorded message that the application team is unable to take calls, and I am disconnected, or customer service tells me application team is unavailable, and the customer service representative could not tell me when they would be available. 
This is very frustrating as I have excellent credit and I am not being provided any guidance on the steps that I can take to be approved for this card. It feels like I am being discriminated against as no one is providing answers to my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: The Eastbrooke Group LLC
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
Lender hired Eastbrook Group to collect debt. They have repeatedly called place of employment threatening legal action and service. Caller XXXX XXXX XXXX, gives claim number # XXXX to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX/XXXX/2015 I went online to Western Union and started a Money Transfer Transaction for {$510.00} USD to my wife in XXXX. I choose WU Pay as the method to pay for this transaction. To utilize WU Pay I had to set up their account with " Bill Pay '' at my bank. I then approved a transaction with my bank to pay {$510.00} + XXXX fee = {$520.00} USD to WU Pay. WU Pay stated on the Western Union website that the transaction would take 1 to 3 business days for approval of funds received. WU Pay told me on XXXX/XXXX/2015 they never received my payment and would not wire the money to my wife in XXXX. My Bank said they sent a wire transfer for {$520.00} to WU Pay on XXXX/XXXX/2015 and had confirmation it went to WU Pay. I made several calls to WU Pay and each time I was told they had not approved receipt of my payment and could not complete the money transfer to XXXX. Finally I told them I was going to stop payment on this but was unable to do so because it was a wire transfer originally. WU Pay held my money for 5 days and refused to send it to my wife all the while telling me they had not received funds from my bank. On XXXX/XXXX/2015 after talking with Western Union again, I received an email that they had not received payment from my bank. WU Pay has my money and will not send it to my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent a letter to Equifax on XXXX regarding accounts reporting on my report that the collection agency could not verify. Equifax responded with " verified '' so I sent another request on XXXX to describe method of verification. 
The account got removed in XXXX, was then REINSERTED as un UNVERIFIABLE collection in XXXX. 
Per the FCRA, a credit reporting agency must provide you with a notice of reinsertion within five business days from the date of reinsertion and must be reporting ACCURATE.

1 ) they did not notify me at all that this was being reinserted 2 ) This account has no creditor, no collection agency, and is incomplete and inaccurate. 
Ive enclosed the letters that I sent, as well as a copy of the Credit report showing the original account I disputed, a copy of the credit report showing it was reinserted as unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen in XXXX by a gentleman using my name and address. the gentleman was later ( XXXX ) identified as XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: ALLY FINANCIAL INC.
State: NJ
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft ALLY FINANCIAL Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is 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 2023-01-06
Company: FORD MOTOR CREDIT CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, 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 you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a mortgage modification as I was unable to make the payments on a home I own. This is not my primary resident, but rather a home I rent out to others. The mortgage company did offer me a modification where I can pay {$540000.00} for the home which has been appraised at {$320000.00}. So this modification would allow me to pay over {$220000.00} more than the home is actually worth.

Company response to consumer: Closed