BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am opening a business and I purchased some furniture form XXXX XXXX on XX/XX/XXXX had a company that advertises new furniture. The company never delivered the furniture and I filed for a dispute with my bank for the charges and they provided a provisional credit for the transaction for {$1700.00}. I had a total of three transactions on XX/XX/2020 from Mr. XXXX XXXX advertised a company online for cooling caps and products I purchased a {$180.00} worth of caps and never received them and XXXX XXXX XXXX XXXX XXXX for {$190.00} and I never received the merchandise as well that I paid for. TD Bank provided me with provisional credits and came back and took the money out of my account. I had filed a police report submitted it along with the documents to show proof that I never received anything from these companies that falsely advertise. I also requested for my claim to be reopened and they still denied my claim after receiving the information and police report. TD Bank did not protect me as a consumer or my funds. I asked them to send me proof of what the customer sent them to say that I received the merchandise or a shipping receipt someone hung up on me. I never got a report showing proof that I received anything and how did they come up with the conclusion that I got any merchandise or items from these people. It has been a battle with TD Bank and they do not work in the best interest of their customers. If a customer do not receive what they paid you have the right to file a dispute which I did. This has resulted in them taking my paycheck out of my account as well and causing a hardship in my finances. The bank is suppose to protect your funds not allow people to steal them and walk away with them. TD professionalism and they way that I have been treated is wrong they made me feel as if I was the criminal and not the victim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is a capital one auto finance account on my credit report showing a payment history of charged off the account was never late and paid in full I have proof from capital one but after several attempts the bureau continues to report negative payment history and incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage payments include money held in ESCROW to pay Home Owners insurance, Real Estate ( Property ) Taxes, School Taxes , County and Local Taxes. Over the past several months, when taxes are due to be paid, Citizens Bank transmits the various payments through a second and third party to the respective government Tax Agency. 
Within this process, the PIN ( Property Identification Number ) becomes changed or altered when it reaches the respective Tax Agency. When the various Tax Agencies are unable to identify which property to apply the funds against, they return the tax payments to Citizens Bank.

Citizens Bank refunds the " TAX REFUND '' as a credit to the mortgage Escrow Account from which it was drawn. NO FURTHER ACTION BY CITIZENS TAKES PLACE. When I receive the next months Statement, I immediately call Citizens Tax Department in XXXX, Tx and might actually speak to a live person. To those employees with whom I have spoken, They seem to feel they have paid the taxes and ask if I want the refund. They don't try to correct any issues or determine why they get a refund. In XXXXXXXX XXXX, the statement shows a " Refund of {$110.00} ''. A City Tax payment was made in XX/XX/2022 for the same amount. In XX/XX/2022, the County Tax was posted for {$970.00} and returned in XXXX to Citizens because the PIN did not match my property PIN. When I called the Citizens Tax Office, the woman I spoke with asked for my PIN. She said their records were different and that's why the taxes were returned. She corrected the PIN but did not resubmit the taxes to be paid again. In the Citizens mind, they paid my taxes. When in actuality they placed me in " PENALTY '' phase and if not corrected and paID BY XX/XX/XXXX, my HOME WOULD BE SENT TO A tax sale.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Regardless of the multiple written requests, the unverified inquiry listed is still reporting on my credit report in violation of Federal Law. TransUnion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed and unauthorized information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX-Date of inquiry XX/XX/2020

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 2020-01-30
Company: ONEMAIN FINANCE CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This is the second, time. I have already completed this report before. Y our firm have done anything for me to help me. I am XXXX years old man trying to make this payment of {$470.00} with a rate of 35 % is hard. I have you to look into one main Financial lending process. Can someone please help me with this problem. My loan was {$13000.00}, I have 10 payment and it still {$13000.00}. can you tell me what wrong with this picture.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have been a victim of identity theft. There are several inquiries and accounts that were opened fraudulently that I didnt authorize. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX Also In accordance with the Fair Credit Reporting act XXXX  Account ( Experian/Transunion/Equifax ) 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 non-monetary relief
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello : Dispite numerous attempts, Experian is failing to report any account activity on my report. Both of the other agencies are reporting accurately, yet Experian reports that I have no credit history. I am a XXXX years old, own two companies and have an extensive credit history. It appears that something is wrong in the Experian computer program. I am certain that a supervisor could fix the problem if they were alerted. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2021-11-07
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was made aware of a negative issue on my credit report. 
Was denied credit. 
The collection company is Midland dept Collection.

The account is over 12 years old. 
XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX, I refinanced my home with Wells Fargo. In XX/XX/XXXX, they sent me a check for {$860.00} stating that a recent review had determined that my loan was in excess of their internal pricing guidelines. I spent the next month making phone calls and even visiting a branch office to try to determine what caused the error. I was finally told to write a letter, which I did on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter stating what I'd already been told several times - " my loan was in excess of their pricing guidelines and their pricing guidelines are proprietary. '' It also stated that the interest rate, XXXX and fees in my closing documents were accurate. Does that mean my loan amount is wrong? Am I paying interest on the wrong amount? I imediately called their customer service and was told my case had been closed. I asked them to open a new case ( # XXXX ) and stated that I wanted an explanation for how the {$860.00} was calculated. To date I have had no reply. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I told my story to this stupid company XXXX times. I sent them handfuls of letters. With dates, personal information, and even proof, all the information they would need to fix my issue. It has taken them just about fouXXXX months to do a whole lot of nothing. I made a complaint on their company and waited an entire month and a half just for them to tell me some bull crap. For them to tell me PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. NON REPORTING DISPUTES ID : Current Name THE DISPUTED NAME IS CURRENTLY NOT REPORTING ON EQUIFAX CREDIT FILE. I dont know how much more specific I can be when I say SOMEONE HAS ACCESS TO MY SOCIAL SECURITY AND YOU GUYS REMOVED ME, THE RIGHTFUL OWNER OFF OF MY CREDIT FILE. How much more need I say? I have mailed them multiple break downs. Talked to MULTIPLE customer service agents. And even sat patiently, They are all literally just getting paid to do nothing. Then for them to tell me to provide information. Where? On this website? Why would I put my personal information on this statement thats on a PUBLIC WEBSITE? But I provided them information multiple times. Paid money out of my OWN pocket for express shipping to get them my complaint. Still no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
Transunion has not responded to my challenge dispute letter sent to them on XXXX, XXXX 2019. Please see attachments. 

As of today, XXXX second I have not received a response letter from Transunion. 
A violation of FCRA.

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 2020-08-12
Company: HW Holding, 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:
On XX/XX/20 i checked my credit report and saw a debt that i have no knowledge of.Hunter Warfield is trying to collect a debt that i never signed a contract with them nor have i entered into any written verbal or electronic agreements with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, INC.
State: MO
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:
Reported fraudulent accounts in my name to Equifax. Submitted Identity Theft Affidavit and proof of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Chime Financial Inc
State: NY
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Had my Social Security benefit 's transferred to Chime card, For Sept. I noticed my XXXX wasn't correct so I called Chime support XXXX XXXX was changed during this my money was taken XXXX on XX/XX/XXXX. I contacted chime very next day, There team member told me a dispute has been filed.dispute number XXXX XXXX there team member hung up on me.Chimes after investigation said I otherized payment to a XXXX. I told them this wasn't true, my money went to a women named XXXX XXXX I know no one such as her nor would I otherize that kind of money I live on XXXX per month. I can Gmail documents if have email. 
I contacted the XXXX XXXX XXXX and they did there best to resolve the matter. But Chime stands by there decision. 
I've contacted the Attorney General .I took screen shots of everything and forwarded it to them. Chime after all this I looked there busyness up have a history of this type.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Rocket Mortgage, LLC
State: TX
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:
Called Quicken Loans about a {$55000.00} new home loan. I was told they don't do new home loans less than {$100000.00} and they still ran my credit report. It was an unsolicited credit check for a loan they couldn't even give to me. 

I called and was told it was run because I DIDN'T tell them not to run it. That's ABSURD. 
I asked them to remove it from my credit report and they said " its only 10 points ''. I don't care if it's one point if I did not ask them to tell them to run the report. It's under my phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Account number XXXX Closed XX/XX/XXXXXXXX  XXXXXXXX XXXX XXXX Account number XXXX Closed XX/XX/XXXXXXXX  Both accounts listed above I disputed due being reported twice to all 3 credit bureaus with different closing dates and accuracy. I'm demanding that all late payments be removed this mortgage loan is paid off and should reflect current.

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 2023-10-13
Company: American Credit Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt collector said they mailed a XXXX  to me regarding money owed for XXXX  services that was paid by my XXXX. I never received a letter. If I had, I would have definitely disputed it. They have only stated the date the letter was mailed, but have not shown any proof of such a letter. 

They are asking for an amount that is incorrect. The amount should be XXXX. They lowered the amount to XXXX to keep it out of court proceedings on my end.

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 2019-09-03
Company: LoanCare, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A short sale was negotiated between my lawyer and Loan Care servicing center for the following property : XXXX XXXX XXXX XXXX XXXX, FL XXXX The short sale was approved and final closing occurred on XX/XX/XXXX and XXXX, 2019. 

I signed on the XXXX at the Title Company office and the buyer signed the following day. 

The total amount owed on the property was approximately {$110000.00} and a sale was negotiated for approximately {$85000.00} The Title Company confirmed that the negotiated amount was sent. 

A property search clearly shows that the buyer is the owner. 

Loan Care keeps reporting to XXXX that I owe a balance of approximately {$110000.00}. 

I have disputed this at least twice, and I get no mail with no explanation. The XXXX credit report still shows this balance. 

In fact, I have not received a single piece of mail from Loan Care since the closing. 

I'm not quite sure how after over 9 months, they still consider this an open account? 

If it's open, why does the balance show {$110000.00}? 

I don't know what the XXXX  credit bureau is reporting. But it's possible that is incorrect as well. 

One of the attachments shows a screen shot of XXXX County showing a new owner. 

I mailed Loan Care FCRA compaint by mail and they never responded to it. ( attached )

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 2018-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had 2 tax Liens that fell off my report and only gained 4 points. Each negatively reporting tax lien is worth 30 points each my score should have risen by 60 points. Nothing else on my report changed but that so it should have increased. Also my second complaint is they removed a positive tradeline without me requesting it. The company is Transunion and the 2 tax lien were  removed betweenXX/XX/XXXX & XX/XX/XXXX My score before the removal via XXXX XXXX  was XXXX after the removal my score went to XXXX with no other negative changes. I believe I didn't receive all the points I should have received. The second issue they also removed a positive tradeline which was XXXX XXXX XXXX betweenXX/XX/XXXX -XX/XX/XXXX causing my score to drop to XXXX. 

Tax Lien account # XXXX Tax Lien account # XXXX Please see screenshot attachments

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 2023-03-03
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
So for over 4 years I have been trying to get this credit card account removed from My credit report. Im XXXX I Closed out this account with the banker which is the same banker who was the main reason for my XXXX payment from XXXX XXXX because of fraudulent opened accounts. A simple XXXX $ bill which I paid and closed out the account had bubbles into 67 charge offs and a stain on my credit report. I closed this account out and if this same person is opening fraudulent accounts under me and was fired for this same reason. I reported this information. On my first dispute, my 2nd dispute and now to the executive branch and they are still reporting this on my credit report. It was XXXX $ thats bubbles to XXXX $ with late fees. If you cant make cash deposits with your banker and pay to close account out and actually have them closed out the way they are supposed to be then why do we even have bankers if you cant trust them to do whats right.

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