BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-09
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
TD Card Services was contacted by a person who had stolen my credit card information. TD failed to properly authenticate this person when they called notifying them of an upcoming fraudulent purchase using my card, and allowed them to change the phone number ( my number ) that was associated with the account. This charge for {$6200.00} on XXXX from XXXX was processed using XXXX Payment on an XXXX and then discovered by me as a fraud. I notified TD of the fraud around XXXX XXXX. They said they would credit the fraudulent charge, close my account, and issue me a new card. I received the new card, and through a series of at least 4 frustrating phone calls, finally authenticated my account by faxing them several forms of ID. I called 3 more times as the fraudulent charge remained associated with my account. Each time I was told that the charge would be credited in 5 to 7 business days. As my credit card statement neared its due date, I notified TD in an additional call that my billing due date was approaching, that the credit had not been made, and that I did not want to see late fees, interest charges, and a notification of missed payment sent to the credit reporting agencies. My fear was that this would negatively impact my credit score as a consumer through no fault of my own. No one in their customer support could explain to me how or if the credit reporting agencies would be notified in the event of a late payment. After speaking with a fraud specialist on an additional call, it was only then determined that the credit was placed onto the old and now closed account. Predictably, the account came due and interest charges and late fees were added to my account. I made an additional XXXX calls over the last week trying to get this resolved to no avail. I spoke to a supervisor XXXX after being on hold for almost XXXX minutes who again lied to me telling me the credit would be applied the next day. It was not, only the late fee was credited. I called the next day and was told that the supervisor was in a meeting and that I would receive a call back from the supervisor XXXX and I never received a call back. I asked the representative on how I could give feedback to TD on the frustrating experience that I was having and they could provide no such contact information. I asked if the credit reporting agencies had been notified and I was not directly answered only that the fraudulent charge was marked as disputed in their system. It is now XXXX/XXXX/16 and the charge remains on my account as well as interest. There is no excuse for the breach of my account, the lies that I 've been told, and the waste of all of my time which I have not been compensated for. I am writing this in the hope that as a consumer in the United States, there are protections and sanctions against those incompetent companies who mistreat their customers, and potentially ruin their credit worthiness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-15
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I would like to comment on an unethical and inequitable banking practice that is legal and ubiquitous in the industry that financially disadvantages the least advantaged. 

This is the kind of issue that would require legislation to solve. Allow me to describe this as clearly as I can. First some facts as I understand : XXXX, I have XXXX forms of personal credit debt. 
+ Purchases + Cash Advances + Balance Transfers Each of these categories of credit has different interest rates. 

Each category of credit shows up as a separate fee on my statement. 

All three types of debt are expressed as a single balance. 

I am charged " fees '' XXXX every month rather than a single fee for the total balance. One for each category. 

Borrowers can not pay off individual categories of debt. This is an inequity. And probably unethical. At a minimum, it is crippling financially to the entire population. Lenders separate these categories with different terms, yet borrowers can't. How is that fair? 

So, if I borrow {$40.00} in a Cash Advance it is added to my debt of {$10000.00} from Purchases. The amount owed is {$10000.00}. There is then an additional fee of {$20.00} on my statement for interest. Let 's say my usual monthly contribution is {$100.00}. But, this month I pay my usual {$100.00} + the {$40.00} I borrowed + the {$20.00} fee. That's {$160.00}. 

And yet, I still see that {$20.00} for a Cash Advance EVERY MONTH until the ENTIRE {$10000.00} is paid off. They keep charging me at that addition ( higher ) interest rate on money that was NOT borrowed as a cash advance. 

In summary, I could end up paying $ XXXX on a {$40.00} cash withdrawal. How is this honest? When is enough enough? 

So, ok I transfer {$1000.00} to my card. Now, every month I have XXXX fees of {$20.00} to equal {$60.00} in monthly interest fees... forever ... even if I return the {$1000.00} and the {$40.00} plus interest within a month. Again, why should the {$10000.00} on XXXX be charged interest XXXX ways when those debts were paid off? 

How much money will I lose on the {$40.00}? I'm no accountant but it's more than anyone would borrow if they knew! 

Now, I also have transferred a balance. It works exactly the same way as Cash Advances. I thought I was being clever by consolidating my debt. That was a disastrous plan. What are the incentives to transfer a balance? I can't think of any apart from saving 5 minutes on paying two lenders every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not and have never had a relationship or contract with CONVERGENT OUTSOURCING. This is fraud on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

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 2017-04-29
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I have spent approx. {$35000.00} with   XXXX   XXXX   over the past  XXXX  years. I paid it off last fall. Recently they contacted me saying I owed them {$2600.00} for a table I had purchased in  X/2016,  that they state they mistakenly credited my acct. for. The person who called me ( I believe  XXXX   XXXX  ) said " they could not and would not bill me, unless I consented '' .I reviewed my records and could not find evidence of a credit. I called and got voice mail and left a message that I did n't agree with they 're claim. I never heard back by phone or in writing. Several months  ( approx.4-5 )   later, I got a letter from a collection agency  (   XXXX  ), stating I owed the amt. I sent a letter ( to  XXXX  ) disputing the claim with my supporting evidence.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX  ) sent me a letter and a " revised audit of my purchases ''. The letter suggests I contact her to " discuss any discrepancies and/or payment arrangements ''. I called her twice on   XXXX   and   XXXX   and left messages on both occasions and did n't hear back. The " revised audit '' I believe is insufficient as it is not the original credit bill  ( s ) I received and there are inaccuracies on it ( delivery dates ), that make the document uncredible. I have excellent credit and I am very disgusted with this issue. At this point, I am prepared to have them pick up the table rather than give them more money. I think that the unresponsiveness by their representativ e is purposeful. I take seriously the threat to my credit. If there are ORIGINAL Comenity ( the credit card company ) statements like those I received that support that a credit occurred then I might reconsider my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
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:
We called so many times to the bank to dispute the ticket that we bought from XXXX XXXX  because they cancelled it and they asked me more more money to rebook it.But that agent it hard to negotiate they asking us {$550.00} dollars for refund fee each ticket

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A fraudulent check was presented and paid by Wells Fargo bank ( 3 years old check ), and an atm withdrawl was processed by Wells Fargo bank. I notified them and they assigned it to a claims person for both transactions. I received a notice from them several days ago that the investigation had concluded and the fraudulent withdrawls were credited back to my account. I have received a new atm card. I called the bank today to have the hold on the bank account checking removed and I have been transferred at least 7 times and no one is able to lift this account hold. I have to write a check today for a plumber for my mother and I am completely unable to do this because there is no one at Wells Fargo bank that can assist me. I am not sure what I am supposed to do unless it is to just take all the money out of the bank and close it. 
wells fargo acct -- XXXX Last person I was referred to XXXX XXXX XXXX XXXX XXXX XXXX luck at getting him to answer.

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 2015-09-01
Company: CCB Credit Serivces, Inc
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call every hour of the day and refuse to tell me who they are. I have asked them to stop calling me. They are verbally abusive and offensive. Every time they call I ask for the name of the company and who I am talking to. He or she refuses and says I owe them money. They refuse to tell me what it is for. They call 4-8 times every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: LA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-11-12
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1 5 USC 1681. XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Key XXXX, FL XXXX XXXX 2.Please remove all of the late Fraudulant Charges for the same account # XXXX On all Credit Agencies. This company has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Credit Protection Association, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received calls almost daily for months from XXXX indicating that they are attempting to collect a debt for XXXX XXXX ( this is not me ), and to call XXXX to be removed. I have dialed this number and followed the instructions at least 10 times with no resolution. I called XXXX to " resolve the debt '' so I could speak to a person at least 3 times to indicate that I 'm not XXXX XXXX, and to remove me. They will not stop calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Arnold Scott Harris, P.C.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
the company keeps calling me and threatining me harrasing me to pay debt I dont owe I keep telling them not to call they keep on calling at my work office residence please have this company stop calling me and threating me the company name is XXXX XXXX AND LOCAL XXXX XXXX, XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient continually pushed me toward forbearance instead of income base repayment. As a result, I am paying much more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: SUNRISE CREDIT SERVICES, INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I, XXXX XXXX am speaking for myself in this claim. SUNRISE CREDIT SERVICE is illegally reporting on my account. Cease and Desist all forms of communication. You lack my permission to communicate on any debt pursuant to 15 usc 1692c ( a ). Negative reporting is defamation of character. according to 15 usc 1692k ( a ) ( 1 ) I have the right to collect ACTUAL DAMAGES. this negative reporting on my credit report has cost me securing a new car. SUNRISE CREDIT SERVICE is extorting me by reporting on my credit for this alleged debt. Cease and desist communication. You will receive a letter in writing via certified mail. To avoid any statements about this not pertaining to SUNRISE CREDIT SERVICE for whatever the reason, I have include, for your convenience the laws stated. I am entitled to remedy as a federally protected consumer and simply request you remove your reporting or I will full exercise my rights and seek remedy in full.

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 2017-02-05
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My student loans were consolidated by XXXX. When Navient assumed the loan, the loan amount was changed w/o out my consent. I have never missed a payment. Unfortunately, I did not know until recently when I saw it in the fine print, for the XXXX time, that I was only making the minimum payment. Due to this, I have paid a lot more interest than if it had been calculated over the XXXX year period. I was never offered any other option and believe that I have paid substantially more interest than I should have. 
I took out this loan while attending the University of XXXX 

Is there any recourse for this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: Experian Information Solutions Inc.
State: GA
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:
This is XXXX XXXX and I am submitting another CFPB complaint once again. Again, I was a victim of identity theft and this is my sixth CFPB complaint trying to request to block or remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts not later than 4 business days after XX/XX/XXXX, the date of the dispute letter I recently sent. Ive already included this report in my previous CFPB complaints & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This letter is to notify the Credit Bureaus if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your FINAL WARNING. Please REMOVE the ACCOUNTS resulting from alleged identity theft. Here is the list of accounts that should be removed as soon as possible : XXXX XXXX  XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-11-12
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, XXXX XXXX am speaking for myself in this claim. CREDIT COLLECTION SERV is illegally reporting on my account. Cease and Desist all forms of communication. You lack my permission to communicate on any debt pursuant to 15 usc 1692c ( a ). Negative reporting is defamation of character. according to 15 usc 1692k ( a ) ( 1 ) I have the right to collect ACTUAL DAMAGES. this negative reporting on my credit report has cost me securing a new car. CREDIT COLLECTION SERV is extorting me by reporting on my credit for this alleged debt. Cease and desist communication. You will receive a letter in writing via certified mail. To avoid any statements about this not pertaining to CREDIT COLLECTION SERV for whatever the reason, I have include, for your convenience the laws stated. I am entitled to remedy as a federally protected consumer and simply request you remove your reporting or I will full exercise my rights and seek remedy in full.

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