BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-12
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 received my credit report and saw Hard Inquiries that I did not approve or authorize to report to my credit I advised the credit bureaus and the creditor of this matter, and they call me a liar I would like these hard Inquiries removed from my credit I sent letters, and No one did any investigation 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  ATTCHED IS A FTC REPORT WITH ALL HARD INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TD BANK US HOLDING COMPANY
State: CA
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:
I have sent letters to XXXX, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX is the company that is reporting to XXXX and XXXX, as well as, TARGET/TD is alsoreporting falsely. They removed some reports from XXXX but they were not able to remove it from XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hereby its a pleasure contact with yours referent to a matter where result be victim with Bank Citi is involved employees occurred with me account bank where I received me deposit direct each month, in addition after multiples complaint by negligence because the bank take me money and refused protect me account from individual, business, entity, merchants or any other, a as consequences after review me account find that the bank allowed that business or merchant take money from me account without me authorization, the bank has been advice of such fraud but allowed that its merchant, business or entity charge to me account transaction that has been return or in dispute some time the merchant was return a product or services due to numerously factors example in days or month after refund to the account the merchant agent or business have charge once time the same amount to me account believes me I never ca n't see what happened with me account but few days find that a merchant have charge to me account a transaction that was dispute with the bank and the merchant at the time of requested a bad services and product that was return and the merchant shall be return such amount to me account but two month after the same merchant requested to the bank the amount one more time caused a balance negative must find that me account have various transaction with the same situation or in some case the merchant not return the credit to me account or have charge for amount that I do n't have sign or authorized and the bank refused verified or invest above the merchant caused sever loss to me account today the bank concluded that a amount where the merchant was return the product and services the bank allowed that its merchant charge to me believes me I have a same incident numerously time in the same account where I have a loss around of {$4000.00} Dollars from me account with a similar incident believes me by resolve requested allowed open a investigation to the bank and merchant and requested back me account the amount loss consequences of negligent of the bank Very Truly Yours

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested and was granted forbearance by Loan Care but without notification they canceled the forbearance even though the time period in the approval letter had not run. They then reported the mortgage in default to the credit reporting companies. I called up and was told it was a " glitch '' in the system and they would reinstate it. However, when they reinstated the forbearance the term was shortened considerably. The approval stated that the forbearance would end on XX/XX/XXXX but they have it ending first XX/XX/XXXX then XX/XX/XXXX. I have asked them through phone calls and letters to fix the credit reporting issue, also the fact that they reported a payment late when the check was mailed on time, they claimed they did not receive it but the check was never returned and I had to stop the check. I want them to honor the original agreement for the forbearance term, remove the negative remark from the credit. Also last week they were calling me every day despite the forbearance being in effect

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 2021-12-21
Company: Experian Information Solutions Inc.
State: NJ
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-21
Company: EQUIFAX, INC.
State: MD
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I went to XXXX XXXX XXXX XXXX with the promise of helping with job placement and have n't heard anything and I graduated 6 years ago. They 've never called for my certification testing or anything. Now my loan is in default because I have no way to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: DriveTime
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My credit report reflects a collection account owned by XXXX XXXX XXXX, whom is not licensed in the state of Florida to collect. Therefore I am disputing the validity of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I bank with Bank of America and I am sick of their NSF fees. I have set up daily text to notify me of balance because I am human and sometimes forget how much money I have, etc. I am currently unemployed so I usually deposit money to cover my bills, etc. 
Today XXXX/XXXX/17 I got a message that my account is overdrawn since yesterday and have racked up {$70.00} worth of NSF Fees. I understand that it is my responsibility to have money but I 'm unemployed and on a tight budget. Anyhow I have been charged with XXXX NSF fees because although I had enough to cover the bill I paid on Saturday they decided to post another bill that was paid on Monday and then post the Saturday XXXX. The bill posted on Monday overdrew my account and then the Saturday bill overdrew it more. It upsets me because I had enough money to pay the Saturday bill but they will not refund me the NSF for that bill because of some mumbo jumbo " hard post '' to yesterdays bill. 
On top of that I never received a text from Bank of America notifying me of my daily balance yesterday. In fact whenever my account if overdrawn they never send me the daily text to " warn '' me and let me know my account needs attention instead they wait until the next day to let you know but by then its too late and you 're shoved NSF fees. I find it convenient that they never seem to get the text out on those days but they managed to get another text about their offers out to me.

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 2021-12-21
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2021 I applied for a Visa credit card from UnionBank of NY ( MUFG Union Bank N.A. ) using their online application process. The next day on XX/XX/2021 they pulled my credit information, so I know the application was in process. On XX/XX/2021 I called them to see what the status was. The Customer Service Rep I spoke to said she could not tell me anything from what she saw in the system. She further stated that I should receive something in the mail with in 7-10 business days from the application date. It is now XX/XX/2021 and I have not received any communication from them. I called their Credit Card Customer Service again on the XXXX, and they could not tell me anything. They suggested I call the branch near me. I looked up their branches and they are all on the west coast - CA, OR, WA. I called one in Oregon and they had not way to help and suggested I come into a branch. I live in Florida and that is not happening. 

By pulling my credit they have impacted my credit score and thereby affected my ability to get other credit.

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 2021-12-21
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX XXXX my debit card was stolen. Once I noticed my debit card missing I call the bank to cancel my card. TD Bank told me to file a police report which I did on XXXX. I have file a fraud claim to dispute for the charges, on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX they have denied all my claim. I have sent them all the information they have requested and still DENIED. TD Bank has closed my account and send me to collections. I just received another letter today. When I call the collection office refer me back to TD bank.TD have denied my claim even after sending them a police report. Its discrimination, Belittling, just plain harassment and gender profiling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Navient Solutions, LLC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
pioneer credit called my home phone with a vm message that was perfectly clear regarding the purpose ( to collect a debt ) but as soon as the name of the person they were looking for was spoken it turned into goobley gook. same thing happened when they left a call back number ... i guess the goal was a caller id call back, sounds like a process server. these calls came in sequence of XXXX 's, all the same. THis went on for XXXX to three weeks, everyday ... varied times. i had enough dialed back and was immediately bombarded with 'who am i? ' i refused to answer, referring to my number on their caller id. i have an amazing credit score and this is a treat to me ... i never owe and dont pay. the XXXX on the phone thought the whole thing was funny i guess to antagonize ... well he did i asked him how secure his 'glass house was ' and let him know XXXX ny ( their office ) was not on the other side of the country and i got a call the next day from their 'security officer ' tel number XXXX XXXX ... Navient but it was a cell call ... he told me he would send the local police to my house and have me charged with a 'XXXX ' i agreed that the 'threat ' was made out of frustration and listened to him chastise me for twenty minutes for being in his airspace ... bottom line, XXXX ( me ) has a mid XXXX XXXX and pays his bills before they are due forget about late. btw, they were looking fro someone from XXXX, no relation and he has a facebook

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 2021-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: ARVEST BANK GROUP, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent in my payment within the grace period and did not know that I could not send it in two parts. Thus, the company sent the funds back in a cashier check over 2 weeks after I had made my XXXX payment for loan XXXX. They had me sign stop payment forms for their cashier checks so that they could reapply funds to the loan. I did so and emailed back on XXXX. But due to their systems firewall they were not able to open the attachments. I have since, emailed it to them 7 additional times in a pdf and they still can not open it. I have proof of all emails and dates sent. Now they are telling me that it 's my problem and I have a late payment that they will not fix and I have to dispute it. Even though it was sent on XXXX and they could not open it due to system constraints on their end. This is not the consumer 's problem, and as an elderly person I feel I am being treated unfairly and unjust. How as a consumer can you trust a company that is held accountable for my payments and yet they can not open my email. This hardly seems like a reputable establishment. They also do not give out their names when they speak to you on the phone. It is there practice not to share names or escalate a call to a management member. I ca n't help but wonder what they do to other elderly customers that they work with. This seems fraudulent. I have asked them to send me the paperwork that shows I can not make my payment in half and they have not done so. It has been a month and nothing received. What are they hiding?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/21 we were approved for an auto loan XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX knew we were prequalified for the auto loan. Made many attempts at asking us to finance through them we strong advised we were NOT interested. He slammed his highlighter to the table and broke it. Now we have a letter from Capitol One advising a credit check. So, I pulled our XXXX XXXX report and learned he ran us through XXXX unauthorized hard inquiries on XX/XX/21, as follows : XXXX ) XXXX XXXX XXXX # Pending XXXX ) Capitol One Ref # XXXX XXXX ) XXXX XXXX XXXX Ref # Pending

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check from my old company 's benefits program for XXXX at Bank Of America on XXXX XXXX, 2015 to find out that the receipt says : Available Now : $ XXXXAvailable Balance : $ XXXXHold notice has been placed on your depositTotal amount delayed $ XXXXFunds Availability on XXXX XXXX, 2015 by XXXXReason : A hold was placed on your deposit because the account had multiple overdrafts inthe last six months. 
I can not AFFORD to wait another 11 days, because I have been out of work all year, and my bills are BEYOND being backed up now.I am almost homeless. 
CAN I WITHDRAW this money and just go somewhere else?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX De, 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 account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX De, 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 account with 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 2017-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Fraudulent charges from XXXX was placed an on my Capital One credit card ending # XXXX. I contacted the merchant to get them to remove the charge for a service that I never had access to nor authorized the purchase. They told me over the phone unless I dropped the dispute with my credit card company they could n't reimburse me. The credit card company advised me not to drop the dispute and they would contact the company. 

Capital One contacted me by letter and told me to provide documentation including invoices, receipts, and cancellation. Subsequent to my complaint to XXXX they sent me a cancellation for a service that I never had. I provided that document, the only document that I had which was transmitted by email. 

XXXX " XXXX '' XXXX is a third party billing agency for the XXXX security software which charged my card. Capital One continues to tell me that they ca n't help me with the dispute because I ca n't prove the charge is fraudulent. I have written and submitted two letters which explains all this yet they continue to refuse to investigate my complaint. 

I want Capital One to resolve this fraudulent chard through their own investigation instead of make me do their work for them by insisting the I provide they with documents and information that I do n't have.

Company response to consumer: Closed with explanation