BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In early XXXX, A person used my bosses email to scam me for gift cards. Said it was for rewards and that he was in a meeting so I couldn't call. I just started a new job so didn't want to XXXX off the boss so did as he asked. I recognized his name as well so again just did what was asked. 

Went and bought {$2000.00} with a debit card into XXXX gift cards and sent him/her picture of the cards. 

Dad came home who is close friends with the boss and asked what I was doing. Told him and he called the boss and that's when we realized it was a scam. We called XXXX to Cancel all the gift cards as I have them physically. We gave them the long front digit code, the passcode on the back, the time and date purchased and the location. Even called TD bank to cancel the DEBIT CARD not my ACCOUNT because I didn't know if they could get my debit card as well. Was just scared of losing all my money.

Have had HOURS of conversations with XXXX and my bank ( TD ) on getting this resolved. 

XXXX did a full investigation and have in their records that this was fraud as it was misinformation for manipulation. You can call the XXXX verification payment number @ XXXX and give them the Customer Id # of XXXX. They have a record of every time I called. 

On XX/XX/XXXX XXXX completed their investigation and found fraud did occur as they saw where everything was being shipped and it was no where near me. They canceled all the gift cards and REISSUED my {$2000.00} dollars back to my OLD debit card. They issued what TD bank calls a " pending Refund '' that requires an authorization code. But since the card is canceled their Merching services or the " Visa Middleman '' is rejecting the refund instantly because the card is canceled.

This is where all these problems have been occurring.

Over the past 2months I've been calling and every time they push the problem on each other. TD bank says their hand are tied because its a pending refund and they never received a dime. XXXX is saying they sent {$2000.00} out and its out of their hands as well. 

I still have the original debit card that was canceled. I have the ORIGINAL bank account number as I never canceled that. I have all the gift cards, the receipts, everything. I just want to get my {$2000.00} back. I am getting close to getting a lawyer and just taking them to small claims court. This is near my last line of hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Company denied applicant credit without basis, merit, and/or made decisions based on falsely reported credit information, law, or the lack thereof.

TAKE JUDICIAL NOTICE that It is unlawful to be denied credit and/or to discriminate against any applicant as it is causes an adverse action pursuant to : Title 15 USC 1691 providing the scope of prohibition ; Title 15 USC 1681 providing Congressional findings and statement of purpose 12 CFR 1002.4 providing current regulation against discrimination, discouragement, and denials of credit 15 USC 1611 CHAPTER 41 providing for the Criminal liability for willfully and knowingly violating any portions of these codes. 

Applicant demands immediate reconsideration and/or opportunity to create and/or build a credit and/or banking relationship as the willingness and ability to lawfully maintain a commercial relationship is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is that the account is reported as {$760.00} dollars past due however i have paid this debt and they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. This account has been reporting inaccurately for the past 3 years and it has been hurting me and credit the entire time. I have paid and attached a picture for you to see that XXXX, XXXX  are reporting correctly but XXXX  continues to show a balance that should not be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a request to receive all documents used to verify this account and make it published on my credit report. This item is not verifiable and needs to be removed from my credit report. There has been a fraud alert on my credit since XX/XX/2019 and these items should have been verified via phone prior to putting them on my credit file. Attached is a FTC for the stated documents requested.

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 2023-09-19
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The investigation was requested to be repeat it due to the fact Clark Associates failure to provide copy of physical proof of the debt. The investigation does have merit and is not frivolous claim that was used as a scare tactic. For example RS Clark Associates responded to the dispute. Secondly the account was placed on my credit report. If there was no merit to this account RS Clark Associate would have never pursued the account.

However RS Clark Associates has presented frivolous claims on my credit report without valid proof when a dispute was requested. If RS Clark Associates is acting on their own behalf or another companys copies of physical proof should be ready and available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: AZ
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS ( DUE TO COVID 60 ), I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 60DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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 2023-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX  XXXX XXXX and XXXX  XXXX XXXX  NA XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since before XX/XX/2022 I have been requesting from Cardinal Financial to begin the process for a family memeber to Assume my mortgage loan. The process starts with a required written letter requesting a packet. It is now XXXX and in XXXX the packet still had not been sent. After calling an email was sent with one question " will the person assuming the loan be residing at the address as a primary residence? '' I again was required to fax or mail the response which is timely. XXXX weeks later and still no response with a packet or a clear timeline of how long this process should take. It shouldn't take 8 months to receive a packet. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint. 

I contacted XXXX XXXX XXXX about an account that they are reporting to my credit report. They are reporting the account fraudulently and without my authorization and consent. 

They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and XXXX XXXX XXXX. If no contractual obligation exists between us then how could I legitimately owe them for any debt? XXXX XXXX claims to have purchased the debt from Synchrony Bank but my contract was between myself and Synchrony Bank, who I am in the process of entering into arbitration with. If XXXX XXXX XXXX continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation of the FCRA, FDCPA, and for aggravated identity theft. 

Please see XXXX XXXX XXXX info in identity theft report 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 2023-04-18
Company: Capio Partners, LLC
State: TX
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 disputed accounts on my credit report that came back verified. I specifically asked for proof of accounts and who verified the accounts which by law, I am allowed to ask for. The accounts came back as verified and closed without sending any information on who verified the accounts or how they were verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: FL
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {$43000.00}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT

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 2020-11-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Upon Reviewing my report with XXXX XXXX XXXX XXXX XX/XX/XXXX I saw that BMO Harris bank has reported negatively about my banking history. It states I am being reported for non-sufficient funds ( NSF ) activity. Reported date XX/XX/2020 with charge off amount being {$730.00}. Called customer service 3 times and got absolutely nowhere. 1st time calling on XX/XX/2020 customer service rep said he couldnt help me but that he could & would send an email to that department requesting that Id like a call back promptly to discuss this. No call. 2nd time calling on XX/XX/2020 I told customer service I needed a phone number to whomever had the authority to discuss & fix this. After waiting 45 mins Customer service rep said she couldnt find a direct phone number but she would contact her supervisor and email me the contact info. No email. Lastly the 3rd time calling on XX/XX/2020 customer service rep said oh sure let me transfer you then dial tone! Disconnected. Im very upset because these fees/charges for {$730.00} escalated from fraudulent charges that resulted in overdrawing my account which resulted in overdraft fees and so on! I was told back when these fraudulent charges happened that I wouldnt be responsible for any of these charges or fees!

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 2018-06-25
Company: Experian Information Solutions Inc.
State: WA
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 are many mistakes appear in my report without my understanding.

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 2023-09-19
Company: AES/PHEAA
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of 2019 I applied for a forbearance on my Student Loans through FED Loan who was the servicer at the time. Fedloan assured me I did not have to worry about payments or anything else while it processed. Everything was fine until I realized that I have 90-120 day late payments reported to my credit although I have a letter from FED Loan clearly stating that I was in forbearance during the time that I was supposedly late. 

During this time I had 17 student loan accounts which meant I had 17 90 day late payments which absolutely devastated my credit. 

I did dispute this through XXXX, XXXX and XXXX all of which said that FedLoan came back and verified that the late payments were accurate which is incorrect. The multiple times I spoke to fed loan over the phone I was told this is something that needed to be dealt with through mail. I mailed them on numerous occasions and never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On approximately XX/XX/2018 Wells Fargo accepted my offer to purchase a foreclosed ( XXXX ) home at 23 Stage XXXX XXXX, XXXX, MA XXXX. The acceptance was based upon a pre-qualification letter from my lender. 

Since there was a seven-day home inspection contingency, the inspection was performed to meet the deadline. Although the listing agent refused to de-winterize the home by activating the water, I paid {$550.00} for the inspection to determine if it was in my best interest to move forward with the sale. The inspector found no major problems and recommended it was safe to advance with the purchase. 

The listing agent is now denying an appraisal of the home. It is well known throughout the housing industry that a loan is not granted without an appraisal, regardless of the type of loan ; however, XXXX XXXX stated to me if she knew it was this type of loan she never would have accepted the offer. This type of loan is a XXXX XXXX XXXX XXXX loan. The statement is discriminatory and leads me to believe there are other motives for the refusal of the appraisal. My realtor, along with my lender and several housing professionals, have never heard of denying an appraisal since it is a requirement from all lending institutions regardless of the type of loan. 

My lender offered an alternative of accepting the Assessment Report from the Asset Manager. This request was also denied stating an assessment report was never performed. If this is the case, how was the asking price determined? 

XXXX XXXX was also contacted by U.S. Housing and Urban Development and informed them I do not qualify for a loan to perform repairs on the home. This is not a fair statement since the repairs have not been determined. 

Therefore, I am filing a complaint against Wells Fargo and XXXX XXXX from XXXX XXXX for unfair and abusive practices. Their refusal of due process violates Federal Consumer Financial Laws.

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 2023-09-19
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is in regards to a closed XXXX XXXX card owned by Comenity Bank. 

On XX/XX/XXXX and XX/XX/XXXX I received a returned payment fee and finance charge. Both fees were refunded. On XX/XX/XXXX, I received a late fee of {$35.00} and a finance charge of {$2.00}. The fees were supposed to be refunded. Instead, I received a " late fee refund '' of only {$6.00}, and I was left with a balance. 

I paid the remaining balance in full to avoid any further fees. My balance should have been {$0.00}. 

I am asking for the removal of all fees on the account, a refund ( via check to the XXXX XXXX address on this complaint ) of the payment made on XX/XX/XXXX, and verification that the balance is {$0.00} and no further fees will be assessed on this closed account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 Regional Finance opened an account with someone who stole my information. This company did not verify the driver license number with an actual id. They just let them write down the driver license number and did not verify any other information when opening this account. The information was already on the pre approved information letter that they mailed out. So this personal information was given to the person who stole my information and used it to open an account. I have disputed the information with the company who has told me sorry there is nothing they can do even though I have showed them my id and showed it was not even the address that they mailed the information to or anything else matching, like phone or email. No other information was provided to this company to verify the identity.

Company response to consumer: Closed with explanation