BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-18
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
On XX/XX/XXXX, with the help of Target customer service representative, I enrolled my Target credit card in Autopay on Target website using my checking account with XXXX please see documents attached. The same day I signed up for electronic statements. 

On XX/XX/XXXX, I received a statement from Target that my balance is due. Nothing on that statement yielded that my autopay did not go through, and I am past due on my bill, see documents attached. Not a single alert about my account being past due came from Target. 

The next day I received and alert from XXXX and XXXX that my score dropped 155 points due to the red flag posted by Target. In twenty  years I never missed a payment, and always had an above 800 credit score. I paid my bill immediately using the same autopay account ( already in Targets system ). My XXXX account was processed immediately for the outstanding amount, see documents attached. I called Target numerous times to no avail. 

On XX/XX/XXXX, I filed an online dispute with XXXX XXXX XXXX. 

On XX/XX/XXXX at XXXX, I finally got through to speak to a Target representative. I informed him of the situation. The representative told me that I never had an autopay account, luckily I could prove that an Autopay account was, in fact, created on XX/XX/XXXX. I have a conformation message about enrollment in Autopay generated by Target, see documents attached. That day, I was also on the phone with the Target representative who was guiding me through an autopay set up process. 

On XX/XX/XXXX, during my conversation with Target representative he gave me the report number XXXX. Target representative assured me that they posted a note to XXXX agency, as he stated they put a red flag due to misunderstanding. The representative assured me that Target will look into my call to set up an Autopay on XX/XX/XXXX, and that someone will follow up with me. No one from Target ever called. 

On XX/XX/XXXX, the dispute results from XXXX came. The XXXX stated that Target balance shows as outstanding still ( as I never paid it ). Please see the attached documents that confirm that I paid the balance in full the same day I learned of the account being past due. I hoped that XXXX will be able to solve this ; however, the red flag posted by Target was never removed, and XXXX did not change the status of my credit. 

I am determined to solve this problem. Ive always had an outstanding credit history, and never was late on any of my payments. I enrolled my Target credit card in autopay due to convenience, as I have all of my other accounts. I have never experienced problems with autopay until Target. 

Please, help me solve this situation. 

Best, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Went on the website to try and make a payment on my account and it was closed. Chase Bank said that someone tried to make a payment on the account already and it was therefore closed. I 've been with the Chase since 1999 without ever being late. Please help me resolved this issue. I would like to resolve this issue by getting the accounts back open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: DC
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 has closed my checking account due to fraud ; therefore, I did not benefit from the loan deposit. My XXXX  XXXX account was compromised and overdrawn due to identity theft. ( Account Ending XXXX ) XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$4500.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$2000.00}. 

I am a victim of identity theft and I never opened these accounts Please see the included FTC Identity Theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
We are trying to make additional principal payments monthly on top to the auto debit payments. We call the customer service center to make the additional payment. When we do this the auto debit get allocated incorrectly. We then have to make at least three additional phone calls to fix this. During this time more interest has accrued on the loan which diminishes our ability to pay the lone off quickly. This is a consolidated loan, which we where told that we can indicate which balance we want to apply the additional principal reduction to. Very frustrating and seems like a scheme to keep us paying on these loans longer. 

Customer service is always very friendly and helpful although they can never fix the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX 5 mile trip from home to hospital. Paid {$260.00} by XXXX XXXX   checking to ambulance co, XX/XX/XXXX, and then paid {$46.00} XX/XX/XXXX. 
Received letter from collection agency saying the ambulance co had agreed to accept {$310.00} as payment in full, if received by XX/XX/XXXX. Both checks were received and cashed by the ambulance co prior to XX/XX/XXXX. I have bank records, and copies of cancelled checks, and a copy of the letter stating the total balance is/ was {$310.00}. 
Please help Thank you for contacting us, we have checked with the original provider and they did receive a payment for {$46.00}, but the check for {$260.00} was not cashed. Thank you for the copy from your XXXX XXXX showing check for {$260.00} was sent, but we need to see proof that it was cashed. XXXX XXXX has indicated that the check was returned to you. It was returned because it read payment in full, but it was not the right payoff balance. XXXX XXXX has indicated that they agreed to accept {$310.00} as a courtesy after they received your {$46.00} payment on XX/XX/XXXX. Grant Mercantile extended the due date for the discounted amount of {$310.00} until XX/XX/XXXX. As a courtesy the due date will be extended until XX/XX/XXXX in a good faith attempt to help resolve this matter. If you have any further questions please call us directly at XXXX Monday through Friday and we will do our very best to help you. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions Inc.
State: SC
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 XXXXXXXX XXXX Account # XXXX and 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 explanation
Consumer complaint received 2017-09-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited funds from a real estate transaction on XXXX/XXXX/XXXX. Chase has placed a hold on the funds until XXXX/XXXX/XXXX. Chase is collecting free interest on my money, instead of allowing that interest to accrue to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: Self Financial Inc.
State: MA
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 review my report and I saw inaccurate 30 days late remarks on history only 1 bureau reporting this. I was never late on this account. 
SELFINC/XXXX  XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: SYNCHRONY FINANCIAL
State: GA
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 had received the notifications and also I have been checking my credit report almost every day through credit karma and various other banks that I deal with. I saw a hard credit check on my report which I am not aware of and I didnt authorize to run the credit check. The hard credit was made on XXXX XXXX, 2022 by SYNCB/TJX CO DUAL CARD. I want to dispute this hard enquiry and hence request to remove it from my credit report. I placed a credit freeze after this incident so to avoid such cases.

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 2022-07-17
Company: EQUIFAX, INC.
State: PA
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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: WELLS FARGO & COMPANY
State: FL
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:
Hello this is XXXX XXXX contacting about a fraud claim that the bank of Wells Fargo has taken no corrective action on or the necessary steps to investigate and remove the debt from my account. I gave them all the information for their investigation and also was the first to notify them about the fraudulent activity. They would have never known to freeze the account if not for me and it was clearly not authorized as the only checks I deposit are my business direct deposits. It has been an ongoing battle with them and I heard the consumer gov finance organization is who I should go to trust when banks arent addressing this stuff properly Ive been very stressed about this whole odreal. Thank you so much and I appreciate it if you guys got back to me my email is 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 2017-09-05
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hi, Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement each month I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors ( The payment includes the total Credit Debt $ + Lower interest rate ). 

I was asked NOT TO PAY a single Penny to credit card companies from the day I signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying 600 $ + to this company every month from XX/XX/2016. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved. 
( Reference Link - https : //www.ftc.govXXXX ) For all this time as the company " XXXX XXXX XXXX XXXX' never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: MI
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 XXXX # XXXX has violated my rights. 

15 U.S.C 1605 Section A. Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.

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 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: LPSG
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My employer was contacted by someone representing a  XXXX   XXXX  an attorney asking if I was there so they could serve me with court documents. My employer told them no and then contacted me. I called the number she was given and the person I spoke to was very combative and yelled at me, they told me they had received a judgement forcing my employer to garnish my wages. Later they backtracked and told me IF it went to court they would be allowed to garnish my wages. I asked for validation of the debt and was told no, I had to find it myself. The initial debt was {$370.00} and now they are saying I have to pay over {$1200.00} and when it goes to court I will have to pay court fees and filling fees and my total will increase to over {$4000.00}!   LPSG the company that currently hold the debt, would n't discuss anything with me and kept referring me about to  XXXX  's office and the person at  XXXX  's office said that everything had to be approved my LPSG. They kept running me in circles ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: EQUIFAX, INC.
State: MI
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 been trying to work with customer service on multiple occasions to get validation of inquires that have been placed on my report. I have also attempted to contact some of the companies that are listed on my report as inquires but have had no success. The customer service reps have been unhelpful in assisting me in removing duplicate old outdated and inaccurate inquires and constantly transferring me to multiple representatives resulting in no correction. Please validate the inquires listed on my credit report or remove them within 30 days as some sure have been added in error or without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
The docket on the bankruptcy is incomplete. The last 3 characters, ( XXXX ), is missing from the credit report. 

The court name is incomplete and the state of the court is missing. The correct name of the court is XXXX Bankruptcy XXXX XXXX XXXX XXXX Georgia XXXX located in XXXX XXXX GA XXXX 

XXXX XXXX XXXX was opened in XXXX of 2016 but none of the payment history for 2016 is provided in the payment history. Please provide payment history for XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
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: Report provided to employer without your written authorization

Complaint:
On XX/XX/2021 I went to the XXXX dealership to apply for a car loan, the sales associate informed me that my credit would only be pulled by XXXXXXXX XXXX XXXX XXXX Largo automotive group, XXXX XXXX XXXX XXXX XXXX XXXX are the institutions that pulled my credit without my verbal or written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: EZCORP, INC.
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
on  XXXX / XXXX /   2017  I received a message saying that i was to be served and that the company had made multiple attempts to server me and this was my last opportunity and that if I were not home it would be viewed as refusal to accept.I have never been notified of this debt being turned over to collections before. I Was home all day the next day and no one showed up. Call ed my county clerk and  no case was found using the case number the company had provided. Within this first message was a phone number to call if I wanted to settle out of court. On  XXXX / XXXX /   2017  I called number that was in message and spoke with an  XXXX   XXXX .  XXXX   XXXX  explained that the debt was from a previous payday loan I had taken out. He then further went on to ask if i wanted to settle this now before it became a public matter. I told  XXXX   XXXX  I would call him back on  XXXX / XXXX / 2017  if I were able to make funds available.  XXXX   XXXX  called me on  XXXX / XXXX / 2017  at  XXXX   XXXX ,  XXXX / XXXX /   2017   XXXX   XXXX ,  XXXX / XXXX / 2017  at  XXXX   XXXX ,  XXXX / XXXX /   2017  at  XXXX   XXXX . I then called  XXXX   XXXX  back and told him that I did not have the funds together now. I also asked him for information regarding his company and he said he would be able to give me all that after we had made arrangements. So even as of now I do not know what company he is with only that his number is  XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Bank of America closed my credit card account I have had with them since XXXX. I was not aware of this action until I attempted to verify I had a XXXX balance on Friday, XX/XX/XXXX. After learning my card was closed, I contacted Bank of America by telephone on XX/XX/XXXX. The representative assisting me was n't able to explain to me why the card was closed and stated that I would receive a letter explaining why my account was closed and that the letter was sent on XX/XX/XXXX. 

She then offered to submit a request to reopen my account, I gave her my permission to do so, she then stated the request was denied because those terms and conditions were no longer available. She then offered to take an application for a new card as " they likely had a product that better fit my needs. '' I declined. 

I received the letter stating my account was closed on XX/XX/XXXX. The letter states that my account was closed due to a recent view. The account was closed because of : inactivity on this account ; sufficient utilization of your available credit ; current or past delinquency with one or more of your creditors. 

I believe that Bank of America has acted in a discriminatory manner, a manner that acts against the best interest of XXXX customers. Over the last 15 years that I have been an card holder of Bank of America my credit score, utilization and delinquency with other creditors were not an issue until just now. Over the last year I have worked to increase my credit score over XXXX points, reduced my utilization rate from nearly 95 % to just 46 %. In addition I have had no late payments in the last 12 months. By Bank of America choosing to close my account will negatively impact both my credit score due to the length of time I have had the card and utilization rates due to the  reduction of available credit. If all of my credit card companies acted in the same manner as Bank of America has it would severely impact my ability to obtain credit and the ability to rebuild my credit going forward. 

The decision to close cards based on the criteria that Bank of America is great for them, but not good for the average consumer.

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