BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-21
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card
Issue: Late fee

Complaint:
Hello, After receiving a credit I requested, I am being told I must still pay the disputed amount to keep my account in good standing. Even though by doing so, I will incur a credit balance. To ultimately get my refund, I must call Target after I 've paid and they 've issued the refund to again request a refund to be issued by a paper check? BACKGROUND : first you need to know I rarely use my Target credit card. However, after receiving a letter that my card would be deactivated if I did n't charge something before a certain date, I made a point to stop at target and buy something because I thought it useful to keep my card active. However, I have moved and since I rarely use the card, the bill was delivered to my previous address. When I actually got the bill it was XXXX XXXX, the day before the due date of XXXX XXXX. After working with Target.com for over an hour on XXXX XXXX, I finally was in a position to pay my bill online, the only means available to me to make the payment on or before the due date, since it was too late to pay by mail, and I could n't get to the nearest Target ( XXXX miles away ) to pay in person the next day. So, I paid my bill online, or so I thought, on XXXX XXXX. The next day, when checking my emails, I realized I did not receive a confirmation of my payment. I checked my bank account and there was no evidence the payment had been made. I logged in to target.com and my payment was NOT noted. So ... .I paid my bill but unfortunately for me it was after XXXX on XXXX XXXX. Today, XXXX XXXX, I received an electronic notification of my target bill and was shocked to see {$26.00} in charges. ( A {$25.00} late fee plus a {$1.00} minimum charge ). I promptly called Target and was told since my account was in good standing, Target would waive the {$26.00} and credit my account. HOWEVER, I WAS TOLD BY THE AGENT AND BY A SUPERVISOR, XXXX, THAT I MUST STILL PAY THE {$26.00} TO KEEP MY ACCOUNT IN GOOD STANDING! I asked why since my bill is not due until XXXX XXXX. Why should I incur a credit balance of {$26.00}? Supervisor XXXX confirmed the charge had already been waived on my account. The answer was I could call back and get a refund check sent to me. Really? It will cost Target more than {$26.00} to take my call and issue a paper check. Please, can you please do something about this. I believe this is a predatory practice so Target can get the funds and reap the benefit of interest earned. If they do this with all their customers, as Supervisor XXXX assured me, then {$26.00} among even XXXX out of XXXX customers can add up to a tidy revenue stream. 

Thank you for reading this and listening to my concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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, XXXX, and Transunion refuse to give me my credit report after illegally using my information, Im demanding my reports from all three agencies so I can access the damage done to my credit profile!

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 2019-08-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Nation Star /Mr Cooper the alleged servicer in my home account sent me a letter to have my account transfer to XXXX XXXX. Knowing XXXX XXXX was the current Investor I asked why I was not inform by the previous investor or the new investor about this transfer.

I don't even know the information in the new investor according with XXXX XXXX they said the Transfer got done last XX/XX/2019, If the transfer got done in XX/XX/XXXX it Clear it occurred a violation of TILA 15USC 1641 provision 131 ( G ) by the new investor in failing to provide me its information.

Its clear to me there was a Transaction in the Past between XXXX and Nationstar without the authorization of the Investor, Per the Original agreement I had with XXXX XXXX XXXX in the document signed " I'm aware the account can be transferred as many times and it can be done only by the INVESTOR/OWNER '' not the Servicer as it seems its occurring twice The servicer function is to service the account only as its name shows. The Servicer doesn't have the Authority to transfer or Sale the Account. Also doing this inquire I have to mention the balance reflected in this account is not Accurate as it reflect in the last statement from Nationstar/Mr Copper. Account # XXXX showing a balance of {$290000.00} when the original Deed I have is for $ XXXX from XXXX XXXX XXXX.

Please see my letter and other supporting documents directed to Nationstar/ Mr Cooper . I want to have the CFPB to interact in my behalf in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2020-05-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, This is a complain for Capitol One Credit card I have. 

During the football season, I used a sport app XXXX XXXX XXXX XXXX. It has an advertisement for free picks. I went in the link and ended up spent {$250.00}. I was able to register and made some bet including free bets though I didn't save the info because I was using a work computer. I was expecting email confirmation from the web XXXX XXXX. I didn't get any mail. I went back to the XXXX XXXX  XXXX app to get in but the ad was gone. I checked the credit card state statement and it only have a description of XXXX XXXX. No contact info. I went to web to search and nothing came up so I filed a dispute with Capitol asking for help. It was XX/XX/XXXX. I told them I don't have a way to contact the other party. In XXXX I called back to check and credit {$250.00}. Then i find out they charged again in XXXX. I called in, they said the other part told them i used the web so " good was received ''. I have to explain the whole case again. They want me to submit supporting document even though I don't have anything. So wrote up a letter to explain the case. Nothing happen. I called in in XXXX. They told me I listed the case number in the letter but there is no amount and signature. I submitted another letter. Nothing happened. In XXXX i received a letter telling me I received the goods so they reversed the charge. I can file complain to review until XX/XX/XXXX. I called in XX/XX/XXXX and they told me the case is closed because time expired. 

I was frustrated because I have to keep calling in to get status. They said they sent me letters but i didn't get them. XXXX XXXX has to do with this or the guy next door has the same name but they could have go with email for these time. I told them over and over that i don't have anything on my end to contact XXXX. I am ok with the charge as long as I have the account back. There is money unused in the account. I even ask the supervisor to review our calls. Even if I used some money on the bets, I am entitled to see the result. I have unused money in the account. In the end, i was told time expired even there is a letter telling me to press further until XXXX. 

The agent was nice and supportive but i don't think they understand what i need. I was nice and trying to be patient but was upset by the end when they told me time expired. It was unprofessional they way they handle this case. It's a small amount but want justice in this case. All my call are recorded. If any supervisor listen in, he/she would know that i don't have way to get my account/money. They should have help me instead of telling me to go ask XXXX for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-12
Company: BARCLAYS BANK DELAWARE
State: DE
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:
I contacted Barclays on XX/XX/2017 ( payment due date ), immediately after I got out of work. I tried to make a payment earlier this day online but I had to add a new bank account and was n't able to do it on the mobile app. I was able to add the new bank account online however when I tried to submit the payment I was not able to online because it said it was after XXXX. I called Barclays at XXXX XXXX. XXXX mins after getting out of work. I was greeted by a rude agent. I told him the problems I was having online while trying to submit the payment he was not helpful at all. I felt like I had to drill answers out him whenever I asked questions. I asked if there would be a late fee and he advised me since its after XXXX there would be. I asked if they could waive it as I am literally 17 mins late. He told me because I had been late before they could not. I 'm looking at my payment history and do n't see where I have been late and of course since he was not helpful at all he did not advise when they had previously waived a late payment. Horrible customer service in my opinion and I work in customer service.

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 2022-07-15
Company: EQUIFAX, INC.
State: AL
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 Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX ACCT. # XXXXXXXX XXXX XXXX ACCT. # XXXXXXXX XXXX  ACCT. # XXXX XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX # XXXXXXXX XXXX  ACCT. # XXXX XXXX ACCT XXXX # XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX XXXX ACCT. # XXXX XXXX XXXX ACCT. # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
XXXX sold to Barclays and the transfer process seems illegal. I have been unable to login to my account or use my credit card in a month and I still havent received my new card in the mail ( its been over a month since our cards were closed when the company transferred ) .They closed our cards w XXXX and we never received new ones ( I verified address ). Without new cards we can not create a new online account with Barclays to see our history or make payments. Luckily I had made an early payment on XX/XX/XXXX right before the transfer so I wasnt concerned XXXX the next payment was due XX/XX/XXXX. I knew I was covered. I called Barclays on XX/XX/XXXX to see where our cards were and they assured me they were on their way and to give it 7 more business days. I called back on XX/XX/XXXX since we still did not have cards and spent an hour on the phone. We were charged a late fee bc they said that payment on the XXXX didnt count bc it was made through XXXX  not them, even though it was made on time. They kept assuring me the account wasnt passed due and the late fee would be removed. Well I received my statement today and not only was the late fee not removed- but my account says passed due and interest was charged. I dont know where to go from here. Thank you for any help!

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 2017-09-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Although Citizen 's Bank increased interest rate three times this year, in XXXX they increased the interest rate for the fourth time although Federal Reserve did not increase interest rate since XXXX of 2017. It appears that the Bank is intended to harass us with systematic increase of rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am a victim of identity theft. This dispute is about a checking and savings account at Chase. I have two previous complaints against JPMorgan Chase bank. These complaints were in reference to a credit card opened as a result of fraud. XXXX from the Chase executive office reached out to me and told me that Chase was holding me liable for the credit card because I had been inside of a branch of showed ID. Upon disputing that with XXXX I asked him to get me the location of the branch and the name of the branch manager so that I may visit that branch and show ID and prove that it was not me that went inside this branch. XXXX called me back and told me that upon doing further research Chase found that I had not been inside of a branch after all and they they were opening up the investigation again. XXXX told me that Chase opened a checking and savings account in my name and that I needed to dispute the checking and savings account before the credit card account could be removed. I submitted the documents Chase asked for. Please note that I have attached the police report number but I was not given a copy of the report so I am attaching what I was given. In addition to the affidavit from Chase I am attaching a copy of the FTC affidavit of identity theft, a copy of my photo ID and a copy of the lease from the apartment I was living in during the entire life cycle of this account which is not the address Chase sent credit/debit cards and or checks to. XXXX told me on the phone that he asked the credit bureau department at Chase to update my credit report to temporarily remove the negative reporting while the investigation was completed, however as of XXXX that has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CURO Intermediate Holdings
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraudulent account opened in my name Using my old address info Creditor Information- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX Phone XXXX Original Creditor Name SPEEDY CASH Balance {$830.00} Opened XXXX XXXX, 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: AL
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 Fair Credit Reporting Act XXXX XXXX XXXX  ACCT. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX ACCT. # XXXX XXXX XXXX ACCT. # XXXXXXXX XXXX ACCT. # XXXX XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX # XXXXXXXX XXXX ACCT. # XXXX XXXX ACCT XXXX # XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX XXXX ACCT. # XXXX XXXX XXXX ACCT. # 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 non-monetary relief
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
hi I'm just making a follow-up on the dispute letter that I sent on XX/XX/2021. its been over 2 months, I thought I would get a response from your company after 30 to 45 days but it seems like you didn't take it seriously. Please reinvestigate the information listed on that letter and remove the negative items, I was also informed that if I don't get a response from you w/in that period, the listed information on the letters must be deleted. I will await for your response.

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 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

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 2022-07-15
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/22, I received a phone call at a very bad time by Bridgecrest stating I owe a debt, I asked to send me a bill in the mail the lady stated they can't send me any mail the whole situation increased my stress and I decided to write them a letter. On XX/XX/22, I sent Bridgecrest a letter stating to validate a debt they were stating I owe via phone call I didn't hear anything back until XX/XX/22. On XX/XX/22, I received a letter stating I still owe a debt and that I was in possession of their vehicle, they sent me a copy of a contract with another company, XXXX. On it had no indications that Bridgecrest was associated anywhere, not even in the " Third Party Agreement '' section. Also they failed to send me anything regarding what I asked for in my initial letter to validate the debt. I also in the initial letter stated to give me 30 days to review anything they would send and respond. 

XX/XX/22 reports showed up on my consumer report with the 3 major reporting agencies stating that were were in dispute but it's been resolved. It hasn't been a full 30 days nor have I responded yet to the information they sent me. 

On XX/XX/22, I sent a letter to Bridgecrest stating I'm not refusing to pay I just would like proof it is them in fact that I owe money to. XX/XX/22 I walk outside and the car was missing from the drive way. This caused a severe inconvenience to me because I was then late to a very important place I needed to be this morning! I called Bridgecrest to ask if they had anything to do with this and they stated they have started a repossession process. 

I received no notice, no letters, and this account was still in dispute! I had personal items in the vehicle that was needed for this morning and had no idea where the vehicle was! 

XX/XX/22, I sent an Affidavit to Bridgecrest cc'ing the CEO, CFO and the Attorney General. These matters has drastically been effecting me and my family and causing a number of stress in our lives as we are awaiting a baby and I need transportation to take her to and from hospital appointments.

Company response to consumer: Closed with explanation