BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I are in the process of closing on a house, using funds which are currently deposited in a XXXX account. Since opening our XXXX  account the bank has had several mergers and system changes which make it very confusing to know what the terms of service are and which company we need to reach out to for information about our account : XXXX, Webster Bank, Sterling National Bank, etc. In early XXXX, we searched on the Sterling National Bank 's website ( because our account login is XXXX ) and after downloading a terms and fees table found that the bank offers online wire transfers that we could use to close on our house. However, on XX/XX/XXXX ( one day prior to our closing date ) when we received the final closing amount, this bank ( or group of banks ) was completely incapable of assisting us or returning our money to us. After about a dozen calls to many different entities within this confusing organization, we received a plethora of contradictory and incorrect information, including : - wire transfers were possible ( several sources ) and also were not possible with our account ( several different sources ) - wire transfers were only possible online and ( other sources ) were only possible on site in branches in New York - our funds were managed by Webster Bank, our funds were managed by Sterling National Bank, our funds were managed by XXXX bank After 4+ hours of phone calls and 4+ hours of driving to New York just to be told that they will not help us, we are still left without any way of accessing our own money in a timely manner. 

The company 's best solution which we are now pursuing is sending us an unverified check in the mail, which will likely take several days to arrive, we will need to take this to another bank, it will take several days to verify and deposit it, and then 24 hours to wire it for closing. 

The root of this problem is that we repeatedly received bad information, which is going to cause us to lose over {$500.00}, countless wasted hours, and possibly the purchase of our home. 

- Bad information on the company 's various websites. 
- Bad information through our online portal 's contact page phone number which directs users to the incorrect institution ( Webster Bank ). 
- Finally, even when we reached XXXX, their customer support believed we could complete wire transfers, and were quick to try to end our call ( all of our many calls began with long waits on hold ) with false information. 

Having multiple unorganized entities quickly redirecting customers to long holds is a great/efficient way for banks to avoid helping customers, and it damages consumers through a thousand small blows via obviously unreadable small print.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a credit card with Citi Bank, we paid $ XXXX by mistake on XX/XX/2022, When we realized on XX/XX/XXXX, I called customer service to refund that amount to my Checking account with Same CITI Bank or refund to the origin, from where the payment was done. They said there will be hold till XX/XX/XXXX then we will release the payment. I made complaint with CFPB XXXX on XX/XX/2022. They just linger ont the refund. Despite of several calling they are holding the money, which is not back yet as on XX/XX/202XXXX 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 2022-12-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello there, I'm experiencing an issue with a credit reporting agency/consumer report company. I have tried to request a freeze of my credit report from Clarity Services , Inc ; a part of XXXX consumer reporting and multiple times denied my request, even after verifying my identity. 

Consumer Protection Law requires such a company to furnish my request upon verification of my Identity, which I have done. They have violated my right and exposed my information to bad actors, causing me an identity theft problem.

I requested a freeze of my credit from all credit reporting/consumer reporting agencies because I was seeing unusual activity on my credit accounts. All the other agencies complied with the law and request, but Clarity Services , Inc. This morning, someone has been trying to charge all my credit and debit cards once used with my auto loan payments ( i.e. ; with XXXX  - my auto loan servicer ). I have locked all the cards and the pain of this is because my information was thrown to the wolves without my authorization and when I caught it, Clarity services wanted me to prove further my Identity by sending a copy of my social security card!!!! Why would you need my social security card when I have given you my social security number and answered all the verification questions, except for the purposes of delaying my request to your ( Clarity Services ) own benefit from my information? 

I'm looking for help regarding this request and the protection of my identity.

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 2022-04-16
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have received TD Bank 's offer as a Convenient check. The offer was One time 3 percent transaction fee amount of the check and free of finance charge till XX/XX/XXXX, after I took advantage of the offer I realized when I got my first statement that I got charged transaction fee And Finance charge.. 

I immediately got in touch with them and explained the situation..They told me that I was a couple of days late to deposit the check. This could very well be my mistake as I did not see the fine print on the check stating " NOT VALID AFTER '' XX/XX/XXXX... 

I kindly asked them to stop charging me finance charges... I got no help..I explained to supervisor ... I got no help... I have written certificate letters explaining the situation. Told them they VALIDATED the check that was not VALID... I got no reply..I got panicked and I stopped sending them the payments ( I thought If I sent them the payments I would accept both mistake 's responsibilities..? ) ..Throughout these times I have received Late payments and Payments demands and letter requests if there is dispute... Again I did write them explaining and trying to resolve this ... I got no sufficient response explaining why I pay Finance charge and transaction fee... 

What they are doing is not right ... There is a mistake done by me ( depositing the check 4 days late which was no longer " Valid '' ..There is a mistake done by them, which they " Validated '' the " Not Valid '' check without letting me know the consequences

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Alliance One, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My XXXX account was hacked back n XXXX are XXXX phone was off a whole day no network then i received a notice on my account that it was a data breach but my info wasnt affected then i went to the bank one day to get my XXXX check on XX/XX/XXXX my check was gone .my statement stated the XXXX had been making withdrawals since XX/XX/XXXX XXXXThey then order XXXX XXXX on my account cause the receipt came to my phone ran my bill up to XXXX and said i owe it I trying calling takling to a supervisor but the phone reps will not put higher authority on the phone. They have damaged my life i was XXXX customer for 12 loyal years. They have even blocked the online account and reported me to debt collector ... by they way ve been hacked twice by this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
With all credit bureau I have been sending letters to them to have an accurate things removed off of my credit report and I haven't got any information back. Been doing this since XX/XX/2021.

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 2023-05-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I took out a XXXX loan from empower on the XXXX of XX/XX/2023. I received check on the XXXX of XX/XX/2023. The check was place on hold due to it being confirmed fraudulent. This is not true. In talking to 3 dif agents over the phone for wells fargo and my XXXX providers, empower, I was told that check couldn't be verified over the phone between the 2 entities. I took out this loan to keep my vehicle from getting repossessed which wells fargo is the auto financing company as well. I received an email from wells fargo immediately after filing complaint about misdirected funds stating my account will now be closed due to fraudulent check. All of this is incorrect information and I feel wells fargo is intentionally misdirecting my funds. They have caused me a repo on my credit now, over XXXX XXXX dollars I can't access and a lot of pain and suffering. Not even mentioning the time I'm having to take off of work to try and fix wells fargos incompetence. I am truly upset and very disappointed that as bad as our economy is, a national bank can take retaliatory actions against me from filing a complaint and calling them out for THEIR fraudulent activities.

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 2022-04-16
Company: EQUIFAX, INC.
State: TN
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:
I HAVE FRAUDULENT ACCOUNTS THAT ARE LISTED ON MY CONSUMER REPORT THAT I HAVE NEVER OPENED NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian referencing ac # XXXX, XXXX, XXXX and XXXX XX/XX/XXXX, XXXX,XX/XX/XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XX/XX/XXXX. Additionally, XXXX XXXX XXXX XXXX complaints are XXXX, XXXX, XXXX and XXXX. 

By its repeatedly demonstrated actions and refusing to email XXXX a copy of the auto lease contract, signed by XXXX XXXX XXXX, XXXX dated after XX/XX/XXXX or email XXXX the non-existence of such contract and total removal of XXXX from its credit report Experian willingly continues to participate in XXXX  fraudulent scheme. One of many of Experians corrupt participation is its recent attached, issue deferral, communications, report # XXXX. 

XXXX in part states : if account was opened as a result of identity theft, credit grantor may not know to contact you to discuss this matter The most recent contact to both Experian and XXXX is : Email to : XXXX, XXXX and XXXX, subject : XXXX Request : XXXX XXXX # XXXX, XX/XX/XXXX XXXX in part stating : Attached is the XX/XX/XXXX dated letter I USPS received from XXXX XX/XX/XXXX XXXX If in fact XXXX did not backdate this letter it was more than 100 times requested to email this attachment to me. Also attached is the completed ID Theft Affidavit. Experian respectfully you have in YOUR possession the ID Theft Affidavit. To avoid increasing damages please return email that XXXX # XXXX is totally removed from my personal credit report. 

Experian has been repeatedly advised to request of XXXX XXXX XXXX XXXX its XXXX mail dated XX/XX/XXXX in part stating : account # XXXX we have received your transfer of lease package. At this time, your request can not be processedExpired ; applicant will need to submit a new credit application to restart the TOL process The existence of this XX/XX/XXXX letter has been recently learned verified by : From : XXXX, XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX Subject : RE : XXXX XXXX Good Afternoon : I received a call back from XXXX XXXX XXXX notes on the account say : XXXX XXXX CONTRACTCONTRACT HAS EXPIRED XX/XX/20..WILL HAVE TO START TOL PROCESS OVER AGAIN *SENT OUT CREDIT APPLICATION VIA REGULAR MAIL*XXXX  I never received anything back and Mr. XXXX and I assumed that it would be okay for this to come in to usis there any way that we can XXXX run this for Mr. XXXX? 

Thanks. 

XXXX XXXX XXXX Customer Service | XXXX XXXX XXXX Credit Report # XXXX is FRAUD.

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 2023-07-19
Company: Upgrade, 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: Account status incorrect

Complaint:
I took out a personal loan with this company to pay off some credit card debt, etc. in XXXX, I was fired in XXXX of that same year and I was having financial problems to the point of not being able to pay timely. In XXXXXXXX XXXX XXXXXXXX, I lost my job as they were trying to make the arrangements to help me repay this debt and get back on my feet. However, I was denied unemployment along with no financial assistance due to having friends and family that disowned me due to my financial situation as they felt I never learn. My family disowned me due to my XXXX lifestyle telling me that I was an " abomination '' to them and a XXXX XXXX I was also evicted from my home along with losing my vehicle, I have not had a place to live since XXXXXXXX XXXX XXXXXXXX, they continue to send mail anyway and my former landlord explained to them MULTIPLE times that I was not allowed to have mail UNLESS pre-approved to do so and they CONTINUE TO LIE on top of EVERYTHING else. I was going to repay the debts out of XXXX but Upgrade the original creditor CLAIMED that COULD NOT accept payment for the personal loan account, I called them in XXXX to arrange payment having spoken to SEVERAL representatives, they claimed they were investigating the account for my debt forgiveness/repayment plan and THEY LIED ABOUT SELLING THE PERSONAL LOAN to XXXX XXXX XXXX XXXX in which they sold my credit card account that I had with them as well. I opened the accounts to rebuild my credit and I was going to use the credit card as make a down payment on a vehicle that I wanted to acquire and go from there. I had EVERY intention of repaying this debt and NO intention of this situation escalating to a financial situation that was BEYOND my control. This issue has triggered my XXXX and other XXXX XXXX issues causing me to be on XXXXXXXX XXXX XXXX XXXX XXXX. This issue HAS ALSO made me want to XXXX XXXX SEVERAL times. I have NO money for therapies  as I am trying to get back on my feet with stable income, a place to live and a vehicle. 

Thank you for your understanding and attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 have opted out of overdraft protection to avoid account being charged the {$35.00} fee. On XX/XX/XXXX an item " XXXX '' was charged {$14.00} over drew the account and on the same day a {$35.00} fee was charged. The next day, XX/XX/XXXX I deposited {$15.00} to cover the charge, however because they had charged the {$35.00} a second charge of {$9.00} " XXXX XXXX '' went through and bounced due to the first {$35.00} fee being charged. So as a result I have two {$35.00} charges occuring due to a chain reaction, one causing the other. 
I also was not provided sufficient time to correct the deficiency, nor did the " Opt Out '' work. These charges are supposed to not go through, they were set up with my Debit Card information, no other information was used to set these charges up so when charges come across and there is insufficient funds they are supposed to be refused. 
Bank of America credited me the second overdraft fee of {$35.00} but refused to credit the first.

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 monetary relief
Consumer complaint received 2021-06-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
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 these accounts that are not mine and i need them to be erradicated from the 3 credit report agencies right now. Se the list of accounts down bellow : 1. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX/XXXX  Account XXXX : XXXX This is not mine.

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 2018-12-13
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: MOHELA
State: WI
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:
MOHELA continues to report my student loans as multiple separate loans with varying amounts and dates- all under the same account number - rather than a single account. They have incorrectly reported delinquency days- for example, in one instance it shows 90 days delinquent in XXXX of XXXX but XXXX, XXXX and XXXX are not delinquent. So how can there be a 90 day delinquency? 

MOHELA has refused to recognize my category XXXX XXXX status as determined by the XXXX XXXX XXXX  despite being provided with the information of determination. 

All three NCRAs are showing 7 delinquent accounts on my credit report but without displaying any actual negative or delinquent account. The only exception is these incorrectly reported MOHELA accounts. I have made previous disputes with the NCRAs and it has not been fixed. As of XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( my bank ) sent me an alert because XXXX dropped my credit score by more than 50 points in a single day. It would appear that either the NCRAs or MOHELA ( or both ) are getting ahead of the Supreme Court decision and publishing ruinous and incorrect information related to student loans as all other accounts are in good standing and paid on time. 

XXXX has a product it uses with banks, and rarely reflects the same as their other products. They are also the flagship that the other two, XXXX and XXXX, follow for reporting. Attached you can see where my score was dropped by XXXX points with no explanation. It also lists my payment history as a " D '' grade but with no actual negative information attached as I DO NOT have ANY delinquent accounts. Which is confirmed in all three NCRA reports, though all three NCRA agencies are also reporting " 7 delinquent accounts ''.

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