BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I had a closed TD credit card ( ending in XXXX ) and an open mortgage account. XX/XX/XXXX I accidentally sent an electronic payment from my bank to the closed TD credit card, instead of the TD mortgage account ( which would be fined a late fee after the XXXX, for XXXX dollars ). The TD credit card took my payment ( {$1700.00} ) and never notified me. My TD mortgage department kept calling after XX/XX/XXXX. When I called them, TD mortgage stated that they never received my payment. I told them I sent in the payment and have a confirmation number ( see attachment ). The TD customer service/XXXX department apologized that the credit card account should not have accepted the funds immediately, and should have immediately rejected the funds because the account was closed!!!!. Nonetheless, despite the TD credit card account error, I was changed a late fee by the TD mortgage department. TD mortgage stated that they only allow a customer 1 late fee waiver during the life time of a loan, and I already had 1 ( XX/XX/XXXX ). Because the TD credit card algorithm was flawed and kept my money, I do NOT think I should pay a late fee for the mortgage. TD system was flawed. If I had not contacted the TD credited department, they would have kept/stole my mortgage payment money, while I was held responsible for paying a late mortgage fee, plus mortgage payment. The TD banking system needs to improve their services and accountability when accepting clients money..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-12
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:
This is about a purchase I never received since XXXX and the credit card toying with me and keep saying they sent disput form and they have to investigate and the person I talked to she was very rude interate style and make this look like a crime investigation and told me that I should go after the company and post office really Fact is XXXX XXXX cards have purchase protection for lost item never received and they just being cheap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: REVERSE MORTGAGE INVESTMENT TR
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
Complaint To : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX MI XXXX, XXXX, 1st complaint number XXXX, Our deceased Dad 's reverse mortgage account should not be in foreclosure. The company requires that you send a 90-day extension request 6 months after the death of a family member. My father passed away on XX/XX/XXXX, and I emailed XXXX with the 90-day extension letter on XX/XX/XXXX. Also, I emailed it a second time on Friday XX/XX/XXXX. I called after and they said even though I sent it before the 6-month deadline they didn't read the email until Monday XX/XX/XXXX, therefore my dad 's home is now in foreclosure. That means normally his monthly statement has an interest fee of {$310.00} and monthly mortgage insurance premium of {$84.00} totaling {$390.00}. Now that the status says foreclosure, the new monthly fee is {$330.00} Interest, {$84.00} insurance, {$1500.00} attorney fees/costs, and title costs {$510.00} totaling {$2500.00}. They will continue to collect additional fees until we sell our father 's home. This is the second complaint I've put in with CFPB the first one XXXX Reverse Mortgage company sent a generic response saying, " they are not the appropriate company to address your issue '' Which is not true they are the company. I have spoken with XXXX in the " escalation department '' who sent my information to XXXX XXXX a manager in Texas and asked him to contact me. As of today, XX/XX/XXXX, I have not heard anything from XXXX regarding this matter.

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 2022-08-23
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2022, I mailed the attached dispute letters to XXXX and Experian via certified mail to dispute the XXXX charge off that's inaccurately reporting on my credit file. Both bureaus stated the debts were verified as accurate ; see the attached reports. I have provided a screenshot of my most recent report and the data across the bureaus are not reporting 100 % accurately ( XXXX XXXX XXXX  are not consistent ) and must be REMOVED from my credit report! 

Per 15 U.S. Code 1681i ( 5 ) : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Experian Account : XXXX XXXX XXXX Account : XXXX Acct XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
We opened our LLC business XX/XX/XXXX as XXXX  XXXX XXXX XXXX. We recently started building our credit and we were getting denied then realized there was alot of inconsistencies on our business credit report. We have been denied with 9 inquiries for our business and creditors are told our business doesnt exist. We contacted Lexis Nexis XX/XX/XXXX about this situation. Lexis Nexis stated that they could not confirm our business information and asked us to scan our EIN letter and Articles and proof of address into them. We did this, and they stated they still could not confirm and said to allow them 60 days to investigate. We received a report by mail for XXXX XXXXXXXX. We contacted them by phone to advise them of the missing letter on the " enterprises ''. Again, they wanted us to send documents, we sent them and still the same info they sent to us is someone else 's business information which includes someone elses private financial information and sensitive information. We contacted Lexis Nexis again and requested to speak with a supervisor to resolve the situation. They stated a supervisor would contact us within 48 hours. A supervisor did contact us, but advised us we need to send in documents and that they could not start an investigation without the info. We advised her that we did send in documents 5 times, documents confirming our business was sent in multiple times. We informed her that they are pulling up the wrong business and to check the spelling on the business name and the Entity ID number. No resolution on this call. Stated there is nothing they can do. We called Lexis Nexis again to complain that the investigation of the business is NOT our business, the entity number and spelling of the business they sent us is different from ours. Also our business address was updated and that info was sent to them as well. attaching documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Foursight Holding LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I financed a XXXX XXXXXXXX from Foursight Capital, I made my payments on time every month between XX/XX/XXXX to XX/XX/XXXX. I trade in the XXXX for an XXXX XXXX XXXX, at XXXX XXXX XXXX XXXX, now my XXXX is being financed with XXXX XXXX. I've been making my payments for my new car the XXXX from XX/XX/XXXX- to currently. I'm checking my credit and the XXXX is still reporting on my credit, and I have 4 months of late payments due to this. The XXXX with Foursight Capital should be closed and with no late payments since I made my payments before I trade in my XXXX I need this updated because it's been hurting my credit drastically, and also I have a family, and this hurting our chances of purchasing a home. This is bringing my family a lot of stress, I tried contacting the dealership, and the bank ( Foursight Capital ) for months now, and no changes have been made. I attached paperwork confirming the trade-in, and payoff for the XXXX for Foursight Capital

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Avant Holding Company, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Received a new card in the mail that required activation. Started trying to activate this new card in XXXX. The card will not activate to make purchases. Have called the company numerous times. A ticket was finally submitted for review and should have been resolved on XXXX. It's XXXX and it's still not resolved. Called again today and was told they would submit another ticket which would then take another 10 days to resolved. 

Asked to speak to a supervisor, shockingly no one was available. Card is still not activated for purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert about my credit on XXXX XXXX that a collection agency had placed in collection on my credit report. I never heard of this company nor have I spoken to anyone at this company before. After seeing this, I called the company ( Sunrise Credit Service ) and they told me that for them to remove the negative item I need to pay them what's owed. I never receive a call or a letter from this collection agency notifying me of the money allegedly owe. I ask them to remove the negative item from my credit report because I was not properly notify prior to them placing this item on my credit. I would like them to remove it asap until they follow the law. They need to notify me first.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: ENCORE CAPITAL GROUP INC.
State: CA
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:
About 5-years ago, I found out that someone stole my identity and then got a factoring loan. I am a XXXX XXXX. I don't even know what a factoring loan is. 

I called the collection agency. They told me they understood it was not my loan and said they would remove it from my credit. 

Now, I am trying to buy a home and my loan officer showed me my credit. They lied to me and are still reporting it! 

There is no way they can prove to you that it is my debt because it isnt my debt. It is the thiefs debt. The collection agency has a responsibility to remove incorrect information from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I recently, have full reviewed my credit reports and to my suprise there is information and debts being reported that are not mine i have disputed but do not believe that a proper consumer investigation was conducted. According to the Fair Credit Reporting Act 15 US 1681a section 3 ( e ) A consumer investigation requires interviews by neighbors, friends and associate who might have information regarding the assumed debt. I have contacted people who i am familiar with and none of them has been interviewed in regards to any of these assumed debts. I want a proper consumer investigation on all disputed debts.

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 2023-02-21
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: Personal information incorrect

Complaint:
I am writing to dispute the accuracy of the accounts on my credit report. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX., XXXX, IL XXXX. I recently received a copy of my consumer report and noticed that some accounts on my report should not be there. As per the Fair Credit Reporting Act ( FCRA ), I demand that the below accounts be deleted from my consumer report immediately. 

Furthermore, I would like to bring your attention to the fact that reporting these accounts is a violation of 15 US Code 1681. 

The following accounts are reporting inaccurately on my credit report : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX - Resident type : Apartment complex XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Single family XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Apartment complex XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Single family XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Single family XXXX XXXX XXXX XXXX, WI XXXX - Resident type : Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX - Resident type : Apartment complex XXXX XXXX XXXX XXXX XXXX, IL XXXX, Additionally Previous Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX Please remove these accounts from my credit report as soon as possible . Notice to Agent is Notice to Principal ; Notice to Principal is Notice to Agent. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, my name is XXXX XXXX. 

I am contacting you guys because I feel like I don't know what else to do. I have been banking with Chime for 2 years now. Recently on XX/XX/2022. There was fraudulent activity on my account. My debit card was being used 3 hours away from where I was at. 

XXXX XXXX XXXX charged my card for {$520.00}. This activity was not me nor was I allowing anybody access to my card. 

Chime has closed my dispute trying not to help or give me my money back. The case is open again now. I tried to contact police and file a report but I keep getting messages back about how the reports are not in their jurisdiction. I tried for XXXX and XXXX Police. 

The hotel my card was used at has been contacted and they said they have marked it as a fraud booking but won't release any information to me or my bank. They said they can only talk to the police. 

Please let me know if you can help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX had violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was held by Citizens Bank. I refinanced my mortgage and the new one was sold right back to Citizens Bank. I had to reconfigure my online account and autopay settings. Their system malfunctioned and I was not aware of 2 missed payments. They claim to have sent me a letter and to have called me. But they admit they do not have a record of such a letter and that they use automated robocalls that are often marked as spam. Multiple calls and conversations with them result in unreturned calls or a flat statement of " we did not make any errors ''. I was reported to credit bureaus. 

Every time I have an issue with the account, wait times are between 2 and 5 hours to try to reach anyone. 

Today, I need to change the autopay settings and am currently locked out of the account because it is not recognizing the challenge questions/answers. All of the automated password reset options put me in an endless loop ( 5 or 6 times so far ) and have been on hold for 3 hours to speak to an actual representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX reported that my account was thirty days late which was inaccurate. I went into the branch to resolve the matter but they told me they couldnt change the information because a computer generated the information not them. XXXX XXXX told me to dispute with the three bureaus and they will correct the information once the credit bureaus send the information to them. It was removed from two bureaus except Experian. Which I dont understand how they verified the account in two days. The account was reported incorrectly.Experian is not trying to remove it from my account. I need for the inaccurate information to be corrected. Thanks!

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 2022-12-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There was a fraudulent {$300.00} XXXX payment from my account which I described to Chase this afternoon, and the agent asked several questions but said the reversal was not guaranteed. I explained it was a fraudulent scam but the agent said again not guaranteed even when I said this money I can not afford to lose and gave the explanation that even XXXX company said the recipient of money was a fraudulent party.

Company response to consumer: Closed with explanation