BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-05
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a checking account with TD Bank. On XX/XX/20 I was charged in XXXX with several unauthorized transactions. The amounts were {$400.00}, {$390.00}, {$350.00} and {$840.00}. The company that charged me these amounts was XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. As you can see this company is a food company. How am I going to buy all this food in one day? 

I filed a dispute with TD Bank and they said that these charges were valid. I refused to pay these amounts because they used the information of my debit card to rob me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Collection agency Company Convergent has failed to provide proper verification of the account they brought from XXXX. This company has not and could not provide information like documents bearing my signature that I owe ( {$2400.00} ) to them or to any company. I want signed documentations from this company saying that I owe the amount they are trying to collect. I have written letters to Convergent about providing proof of documentation bearing my signature that the account belongs to me. They said the account was sold to this company Convergent. Dont matter the original creditor have the same account number as the collection agency. XXXX and Convergent different companies have on my credit report. I feel they are trying to be smart by having the same account number under two different companies on my credit report which neither provided proof of documentation bearing my signature stating that I owe ( {$2400.00} ) then all files under my name and my social security number on my credit report should be deleted. I remind you that a person looking at the computer with this account number with my name to it doesnt prove that I had signed any documentation that I owe the account. I have not signed any forms claiming the account. I also had XXXX XXXX and XXXX to investigate this company/companies, and all they have done was let a person verify the account number with my name to it over the phone instead of telling them to fax signed documentation bearing my signature associate with the account number. That is not prove that this account belongs to me. I want documentation bearing my signature that I have signed to owing this account. If this company/companies can not provide or validate that information that I am requesting, then it should be deleted from my credit report. A person or person should be able to provide and validate documentations bearing my signature associate with the account. I am willing to go to a small claim court In my state and city to clear this matter up with this company. I want validation of this account bearing my signature. Any copies of documentation is requested and if not then the entry on my credit report should be deleted immediately. I will be suing the company if no validation is proven bearing my signature for ( {$5000.00} ) in damages 1 ) defamation 2 ) negligent enablement of identity fraud 3 ) violation of the FCRA.

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 2022-03-16
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent inquiries made under my social security number that needs to be removed. 
1.XXXX XXXX dated XX/XX/XXXX 2. XXXX  XXXX XXXX dated XX/XX/XXXX 3. XXXX XXXX dated XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX  XX/XX/XXXX 8. XXXX XXXX XXXXXX/XX/XXXX 9. XXXX XXXX XXXXXX/XX/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 2022-03-16
Company: Experian Information Solutions Inc.
State: NY
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 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 2022-03-16
Company: EQUIFAX, INC.
State: FL
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 have disputed my inquiries with Equifax, XXXX, and XXXX several times over the last year with no results. I have never authorized nor consented to inquiries from XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX to furnish any information/inquiries on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: LoanCare, LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from my Mortgage company letting me know that my loan was being transferred to another company. The date the letter was written was X/XX/17. My understanding is that they are required to give no less than a 15 day notice. This letter was sent regular US mail. This letter did not arrive within the 15 day notice. Also, the letter stated that they will no longer be accepting payments after XXXX XXXX, 2017. The mortgage payment ( 1/2 ) was drafted out of my account on XXXX XXXX, 2017, which I was not expecting. With my previous mortgage company, I was set up on a " flex payment plan '' which allowed half the payment to be paid on the XXXX of the month, and half the payment to be paid on the XXXX of the month, and this was on automatic draft. This method worked very well for the way that I get paid and when my other bills are due. I can not pay the full amount in one lump sum payment on the first, or it leaves my family without money left over for groceries, gas, etc. I called the new servicing company, LoanCare , LLC, to quickly sign up for bi-weekly payments on automatic draft. I was told that they do not accept bi-weekly payments, but they have a third party that will assist with this, however, they charge a large fee to do this. I had no voice in my mortgage being transferred, but my understanding is that the terms of your loan should not change. I strongly believe that my options as far as payment should continue as they previously were, WITHOUT an additional charge.

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 2016-07-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Carecredit owned by Synchrony Bank does not offer more convenient methods of payment such as credit card payments. I wanted to pay off my loan ( which slammed me with crazy interest charges after the promotional period ). I got a XXXX XXXX credit card with lower interest and no interest charges for 15 mos. Great idea right? Better than paying 28 % on top of accrued interest penalty for not paying off a specific dental procedure ( which I tried to avoid ). Well where was all the money I payed allocated? Anyway, I could not do a balance transfer because THEY DO NOT ACCEPT this form of payment. This is absurd and a consumer RIPOFF. Intentionally done so the person who can not afford to get the medical dental work all at once gets the help they need via Carecredit BUT has to pay through the teeth later. Gee, thanks. My teeth cost me {$4800.00} initally but I will probably pay double if I do n't pay this off. SCAM SCAM SCAM!!!! I find it hard to believe that a financial company with XXXX 's of different products and service providers does not offer more convenient methods of accepting payments.

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 2016-03-01
Company: Texas Guaranteed
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
TG continues to call me multiple times per day, as early at XXXX and as late as XXXX. They continue to call even though I have asked them not to. They called my employer and proceeded to ask them personal information about me and where I live. They even asked my employer to verify my Social Security Number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-03-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Carrington Mortgage Service LLC, XXXX XXXX XXXX, XXXX, Texas XXXX, ( XXXX ) XXXX will not give information to release lien on va loan so that I can sell the property. Customer service will not give phone that is needed to contact lien hold department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: TD BANK US HOLDING COMPANY
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:
XXXX XXXX and Nordstrom are reporting fraudulent accounts on my credit. These are NOT my accounts. I didn't open them, nor did I authorize anyone else to do so on my behalf. I am requesting that they are removed from my credit. Please note attached- I have filed a Federal Trade Commission report and my Driver License

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
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: Account information incorrect

Complaint:
On XXXX 2015 and XXXX 2015, I paid my mortgage but XXXX is reporting a 150+ days late on my credit reports. This was during a trial payment plan in regards to a loan modification.

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 2018-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
On XX/XX/XXXX, I order a product from a website, it say only XXXX for trying this product. I didn't notice there is a catch on this product for XXXX cost. on the email i got from this company see attached doc, it didn't say anything about additional charge. i call my credit card company and provide them with this email, my credit card company refuse to get this taking off my credit card. please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today XX/XX/2020 i have called Equifax and spoke with 2 different phone reps about removing the security freeze on my credit file. I have tried to apply with a lender for auto financing, and was told that they could not pull my report ( last week of XXXX ). Equifax has denied that any form of security freeze is active on my credit file. 

Steps I have taken : I PAID for a credit report from XXXX - Shows that my equifax credit report is frozen Per the Equifax website/Single Bureau Lock. ( Equifax Complete Premier Plan ) -  states " Your Equifax file is frozen under state freeze law or the Equifax voluntary security freeze program. '' Per the MyEquifax website portal, also states under Credit Report Status, that " Your Equifax credit report is frozen. '' The auto lender also stated my credit file was locked or frozen, and that they were unable to pull my credit for financing due to lack of equifax report. 

That is 4 different instances that leads me to believe my file is frozen, yet i am unable to escalate with equifax via phone to receive more support or help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Collection company for a rental property that I did not authorize to use my personal information as a co signer on a lease to a property I have never lived at nor signed for. Apparently debt went in to collection in XX/XX/XXXX for a rental in XXXX. I was made aware in XX/XX/XXXX and dispute legality of the collection to me. Company told me to file police report and they would remove from my credit report which I did and provided documentation. Still refuse to remove. Since that time debt has been settled with original signer but this still reports on my credit report and has caused me great harm

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 2022-03-16
Company: Commercial Industries Services Company, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested a copy of the Purchase Order and proof of delivery the itmes they claim XXXX owes, and they do not provide either.

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 2017-06-02
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient  is the worst bottom feeders in the world. I submitted my paystubs for 2 months and bank statements. I was working with  XXXX  in a special department. I called her every few weeks since management was supposed to be reviewing my submitted documents. I got someone on the phone and she reviewed my documents and set me up on rate reduction program at 2.5 %. I can not afford the full payment and without being in this rate reduction program I can not pay anything towards balance and the amount I owe is going up. After paying for a month, I called in today to find out why I got a late fee. He told me that I was denied the rate reduction program due to being in it twice in the past few years. He canceled my automatic payments. I can not afford to pay on my loans at this time, the loans will sit. I chose to feed my family and roof over head more than pay on a loan that lies and hurts people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
I contacted Equifax on XX/XX/XXXX to dispute XXXX XXXX XXXX XXXX collection of XXXX. The account was reported on XX/XX/XXXX and the original account belonged to XXXX XXXX in Florida. I moved to North Carolina on XX/XX/XXXX, and had not been back to Florida since then. I had not been to XXXX XXXX since XXXX and the original account was opened on XX/XX/XXXX. 

I also contacted Equifax on XX/XX/XXXX to dispute XXXX XXXX XXXX XXXX collection of {$73.00}. The account was originally from XXXX XXXX XXXX and was opened when I had moved to North Carolina. I did not have any accounts with XXXX XXXX at that time and filed a report with FTC stating that this account was opened as a result of identity fraud/theft. 

I also contacted Equifax on XX/XX/XXXX to update my name to XXXX XXXX as I had gotten married. I sent over my driver 's license, social security card, and my marriage license and I received the dispute results telling me to upload my driver 's license, social security card, and marriage certificate but did not tell me where to submit my documents again and did not update anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Upgrade, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Upgrade Card is refusing to close my account and provide documentation that the account is closed. Initial request was sent XX/XX/XXXX and email was received that the account closure will take 5-7 business days. It is not XX/XX/XXXX and the account still shows as being active with each representative stating that the account is being in the process of being closed without further elaborating or providing documentation it is being done just that. I have spoken with three different team leads on eddy - XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX and XXXX - XX/XX/XXXX who all refused to provide immediate documentation that the account is closed but insist it is being in the process of being closed. 

I am at my wits end here and have exhausted all possible avenues on getting this resolved with no changes made from Upgrade 's side. Please note the account has been fully paid since XX/XX/XXXX and have not been used since.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Financial Business and Consumer Solutions.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not received a contract with my agreement to this. 
When was it generated, if ever? 

Also, I'm seeking possible litigation as I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once. 

Regards,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX XXXX XXXX are required by law to remove any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files ; XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX  XXXX Balance Owed : {$210.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

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 2020-04-18
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called discover XXXX XXXX at XXXX California time to speak with a representative to inform him i wasn't able to make my XXXX payment and he stated that I was signed up for direct pay and i said I dont remember doing that then they put me through to XXXX XXXX XXXX in the refund department to listen to the phone call i said it on discover called me few days later and said I did say it. O said I don't care if I did I also said I couldn't make the payment and you guys took the {$73.00} anyway out my checking account and over drawed my account and a fee of {$34.00} added to it. Now I cant use my account because of discover and I dont have the money to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Byrider Franchising, LLC
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Back in XXXX I purchased a car from JD Byrider in XXXX Ohio. Shortly after I was one day late in making a payment and the vehicle was repossessed. I received disputed the information that was on my credit report in XXXX after I relocated to South Carolina after I received a letter from a collection agency regarding this old car loan. I was contacted by a lawyer from JD Byrider who could not locate any information on my loan from XXXX and informed me that they were not able to locate any paperwork on me since the original creditor is no longer in business. I received a call today from a company called XXXX XXXX XXXX who are trying to collect on this debt that no one after all this time can one prove I still owe. I still have yet to receive a copy of the original contract and disposition of the sale of the vehicle in accordance with Ohio XXXX. In addition this company has stated that they will sue me over debt that was long past the statue of limitations in Ohio as that expired in either XXXX or XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation