BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We began the process of applying for a construction loan with Truist Bank to build a modular home in XXXX of XXXX. We received a pre approval in XX/XX/XXXX. The mortgage loan officer was frequently unresponsive and then in XXXX of XXXX the officer changed without any communication from our original loan officer. Currently, the bank is continuing to ask for more documentation that was not originally stated we needed such as references for our contractor. Documentation has also expired due to the numerous delays such as our credit score. Our credit has had hard inquiries 3x which has impacted our scores. We have reached out to the supervisor but there continues to be no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed a bankruptcy that's in credit report i ask the credit bureau to verify information and if verify to send that information from the company they verify it and they telling me the by law they not supposed to give any information I send a letter from the bankruptcy department were they specify they don't report or verify to the credit bureaus also send a letter from XXXX XXXX showing there no information to verify from there records

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 2023-07-14
Company: JPMORGAN CHASE & CO.
State: OH
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:
Jpmchase Amazon Visa card. Chase said my account was audited, needed copy of dr lic & SS #. I photocopied both, went to a branch, they faxed it 3weeks ago. I called to make sure it was received, it was received. Chase closed my card anyway. Ive called & spoke with many ppl, had to resend photocopies and a w9 form. Was told card would be reopened quickly. It has not. I feel Chase had no right to close card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
This complaint is in regards submitted XX/XX/2023 # XXXX. Their responded case is closed even unfair practices they done to my mortgage. They pocketed the {$2100.00} no where posted on their ledger even copies of proofs was submitted. So they will do it again and again in all VA mortgages they solicit to their company in any states. 
Even the mortgage is closed records do exist on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-06-20
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-12-28
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Proposed a settlement offer on XX/XX/2022. Wells Fargo will not respond.

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 2022-12-28
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This complaint is against TD Bank located in XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX. On the date of XX/XX/2022 I called via telephone Td banks customer service to file a claim in regards to my experience with their atm. After attempting to open a dispute in person at the branch the very next day and being told by XXXX of the supervisors there was nothing she can do at the time. Saturday, XX/XX/XXXX at approximately XXXX the lobby being already closed for the evening. I deposited money into the atm closest to the window. Having already counted the money and taking all necessary steps to make a deposit. I inserted a total of {$1000.00}. Specifically XXXX {$100.00} dollar bills. I heard the machine process the funds but amidst there was a software glitch. The atm spit out my card and swallowed my money leaving the screen white with no receipt for proof of deposit printed. Unaware of what to do next I called my mother and did as suggested. 

Back to the beginning, disputing the charges over the phone. Making a few phone calls in between, with the little time I had transitioning between school, home, and employment. I would contact customer service to be reassured every time that the investigation was being handled. XX/XX/2022 reviewing my account I would notice that a deposit of what I would presume be a provisional credit of {$1000.00}. 18 days later upon completion of their investigation I would find out the credit was reversed. Leaving my account overdraft. Left to dial customer service to speak to a rep and be told a letter was mailed dated XX/XX/2022 stating my claim was denied. There was no system error found. So back to square one re-opening an internal investigation. Stepping into the branch once again. Being spoken to in a way where theyre labeling me a hoax.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: NE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to file a complaint regarding the inaccuracies in my entire consumer report that have been provided by Experian. I have been disputing this information for years now, and I am tired of their refusal to investigate and correct these inaccuracies. 

I have enclosed a copy of my dispute letter, which I sent to Experian, in which I explain the errors and inaccuracies in my consumer report, including multiple charge-off statuses, inquiries, incorrect balances, a misspelled name, and more. I request that Experian investigate these inaccuracies and make the necessary corrections to my credit report. I will use the CFPB to verify myself. 

To date, I have not received a response from Experian or any indication that the errors have been corrected. I am concerned that these inaccuracies are preventing me from obtaining credit or entering into new transactions, and my family is suffering as a result. 

I respectfully request that the CFPB investigate this matter and take any necessary action to ensure that my credit report accurately reflects my credit history. I would like to see a resolution that includes the removal of all inaccuracies from my credit report and any other necessary corrections to ensure that my credit report accurately reflects my credit history. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 


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 2023-07-14
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Phoenix financial services have violated the No Parking rule in compliance with the FTC. They fail to notify before reporting to the credit bureaus also they didnt send verify any debt. This is clearly in Violation of my rights. I discovered the information while applying for credit which is unfair to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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:
To whom this may concern, My name is XXXX XXXX XXXX XXXX and I am writing this personal statement on my behalf. I discovered that I am a victim of identity theft, and my personal information was used to apply for goods or services fraudulently. I am requesting that the listed accounts all be removed from my credit reports immediately. The accounts to be removed are : Accounts : XXXXXXXX XXXX : opened on XX/XX/202XXXX XXXX XXXX XXXX : opened on XX/XX/2022 Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these FRAUDULENT accounts listed IMMEDIATELY.

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 2022-01-13
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2021, I opened online a " Beyond Checking '' account with TD Bank. On XX/XX/2021, I opened online a " Beyond Savings '' account with TD Bank. TD Bank promised that, if I had and maintained at least {$2500.00} in qualifying direct deposits within 60 days of opening the " Beyond Checking '' account, I would earn, among other things, {$300.00}. TD promised that, if I deposited {$20000.00} or more in new money within 20 days of opening the " Beyond Savings '' account, I would earn, among other things, {$200.00}. I satisfied all these requirements for the " Beyond Checking '' and " Beyond Savings '' accounts for more than 140 days, but TD has not paid me either {$300.00} for the " Beyond Checking '' account or {$200.00} for the " Beyond Savings '' account. I have called TD 's Customer Service office multiple times, and have been told that I qualified for the {$300.00} and {$200.00} bonuses, and that I would hear back from TD Bank, but TD Bank continues not to make these payments to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
Company: Experian Information Solutions Inc.
State: MD
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:
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 15 USC 1681.

I told Experian, to reinvestigate the account accounts on my consumer report. however they stated that everything was complete and accurate.How is this possible if the open date, date of last activity and much more is incorrect. According to 15 USC1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

15 USC 1681 section 602 A. States I have the rights to privacy.

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) states : 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 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 2022-12-28
Company: Experian Information Solutions 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:
To whom this may concern, My name is XXXX XXXX XXXX , and I am writing this personal statement on my behalf. I discovered that I am a victim of identity theft, and my personal information was used to apply for goods or services fraudulently. I am requesting that the listed accounts all be removed from my credit reports immediately. The accounts to be removed are : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-07-05
Company: U.S. BANCORP
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:
It has come to our attention that U.S. BANK Consumer Loan Servicing-FCPT has been demanded us to make payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consumer credit extended by a creditor under a plan in which ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced Creditor/Bailor/Beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.

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 2022-12-28
Company: General Motors Financial Company, Inc.
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Due to a few financial issues, a loan with GM financial was delayed is getting paid off completely. As the loan contract expired, I was behind with XXXX payment. I payed that amount and had XXXX left to payoff the loan. I attempted to contact GM Financial to negotiate a payoff amount since the entire balance remaining was related to late fees. They would not meet the expectation, which is fine, that is there prerogative, but when I went to make the payment, I was told that I could not use the online system or a payment with an agent because the loan was no longer active. 

I was told I needed to mail a check, but the payoff was only good for 7 days. I don't know how, in the current world that we live in that they can make it so difficult to payoff the loan, unless it's designed to elongate the process and allow them to add additional fees, thus keeping me on the hook for even longer. 

I feel I have completed due diligence to get the loan paid off completely and I feel like at this point all of the remaining balance are fees ( not interest fees that were agreed upon when setting up the contracted loan amount ). The late fees are something that they can adjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/2022 XXXX generatated to the following number XXXX XXXX @ XXXX XXXX XXXX was ended @ XXXX. 
Requested email to verify ANOTHER case number XXXX XXXX XXXX XXXX read back to male individual. Wells Fargo male was unable to send verification of the # to my email address. If its not legally documented it never happened. The email should verify and is evidence to the judge in a court of law. 

CONFIRMED NUMEROUS TIMES THAT I " NEVER LIVED IN COLORADO! I WAS ASKED THIS QUESTION NUMEROUS TIMES. ALSO, I CONFIRMED I NEVER OPENED UP ACCOUNTS for anyone!.. I am a state licensed nurse in XXXX AND XXXX. I DO NOT XXXX XXXX AND I DO NOT OPEN UP BANKING ACCOUNTS FOR ANYONE. 
I INFORMED THIS WELLS FARGO MALE THAT I WILL PROVIDE BLOOD TO IDENTIFY MY BIRTH DOCUMENTED BLOOD TYPE. 
I HAVE DOCUMENTED XXXX THAT MY PHYSCIANS WILL PROVIDE THAT I SUSTAINED IN XXXX, ARIZONA, WHICH THE XXXX  HAS IN MY COURT CASES. XXXX XXXX WILL CONFIRM FOR YOU. 

CASE NUMBER : XXXX BY XXXX XXXX XXXX XXXX XXXX XXXX THAT MY CASE WILL BE OPENED BY MEDIATOR XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX EMAIL : XXXX PLEASE CONTACT XXXX  AND LOCATE THIS INDIVIDUAL AND HAVE HIM CONTACT YOUR XXXX OFFICE. LAST TIME THIS INDIVIDUAL WHEREBOUTS WAS IN NEW YORK XXXX. HE NEVER FOLLOWED UP. 

I AM IN POSESSION OF THIS DOCUMENT. 
I WANT THIS TO END! 
I HAVE XXXX AS A RESULT OF ATTEMPTED XXXX I SUSTAINED IN XXXX, ARIZONA. XXXX XXXX WILL TESTIFY ON MY BEHALF. 
I HAVE LEGAL PROOF. THE STATE HAS LEGAL MARRIAGE CERTIFICATES IN MY NAME XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CONTACT DREAMY DRAW COURTS IN XXXX, THE JUSTICE OF THE PEACE WILL VERY THIS LEGAL DOCUMENT THAT I BROUGHT IN FOR THE WELLS FARGO XXXX. HE WILL TESTIFY THAT HE MADE COPIES FOR THE XXXX OFFICE. 
PLEASE END THIS EVASION OF UNDATED HARASSMENT. 

. 
THE SETTLEMENY ADMINISTER AT XXXX XXXX XXXX, XXXX MN XXXX INFO @ WFSETTLEMENT NEEDS TO BE AWARE THAT I HAVE THE ORIGINAL DOCUMENT. XXXX XXXX IS LYING FROM THE XXXX OFFICE.THE OFFICE WAS PROVIDED MY MARRIAGE CERTICATE. ARIZONA XXXX WILL PROVIDE NEEDED EVIDENCE. THE CA AND AZ XXXX BOARDS WILL PROVIDE MY MOTHERS MAIDEN NAME. MY FATHERS BIRTH COUNTRY AND ALL DOCUMENTS. 
WELLS FARGO IS FALSIFYING MY DOCUMENTS AND EVADES MY CASE BY STARTED A NEW CASE, I HAVE BOXES OF WELLS FARGO DOCUMENTS THAT NO ONE AT WELLS FARGO HAS EVER RESOLVE. 
I WILL PROVIDE THE NAMES OF MY BIRTH SONS AND BIRTH DATES AND HOSPITALS IN XXXX. 

ONCE AGAIN I HAVE PROVIDED ALL EVIDENCE. 

XXXX XXXX, XXXX PLEASE VER

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 2022-04-20
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
There are incorrect names and addresses being reported on my credit. This is illegal and unfair to me because these could be other consumers names and information.

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 2021-02-24
Company: SYNCHRONY FINANCIAL
State: FL
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:
Home Shopping Network has my phone number associated with an account that is not mine. The account has gone delinquent and they are trying to collect payment. I have asked that they remove my number or to stop calling and to date they have not.

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