BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Over one year ago, I went to my local TD Bank branch location and closed my checking and savings account. When I left that office here in XXXX, Fl, I was assured that the entire account was closed, and there was nothing more that needed to be done. 
Since then, the bank has harrassed me through postal mail insisting that we pay a fee ( {$21.00} ) on a closed account for a " Line of Credit '' which should have been closed at the time when we closed this entire account. 
I have contacted them via phone several months ago and was told that this would be taken care of. Yet, we are still receiving requests for payment and they are now adding interest to it. 
We called today, and the rep told me that there is nothing they can do. 
I made it clear to them that we can not be charged a fee for an account that was closed by their own branch. 
We have no intention of being extorted for this amount. 
Any help you can provide to deal with this ridiculous power play by a big bank would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I am writing this on behalf of my XXXX XXXX XXXX father. Someone took out a personal loan online through Wells Fargo in XXXX of 2021. 
We have been fighting with Wells Fargo ever since. 
We have proved 3 times that this is a fraudulent loan. 
There were charges made in AZ and we have proved that my father, XXXX XXXX XXXX was living and working in TX at the time. 
Three different times, Wells Fargo has stated to me, over the phone : clearly this is fraud, and then another dept has suddenly closed the case about it. I have submitted all of the paper work over and over. This is truly elder fraud abuse.

We are currently waiting for the money to be replaced and they keep saying that " It's hard to get the money replaced. '' After 14 months, I need help. I'm not sure what else to do. 
I have spent hours and hours on the phone with different departments, going to branches. 
Plz advise. My cell is XXXX. My name is XXXX XXXX XXXX I have the power of attorney so that I can act on my father 's behalf. Any help is much appreciated. Obviously, Wells Fargo is notorious for it's unethical biz practices for years and years.

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 2022-11-03
Company: Stellantis Financial Services US Corp.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have never owned a XXXX  XXXX XXXX. I have pulled my XXXX records and there has never been a car registered under XXXX XXXX XXXX for that Vehicle. I have never had XXXX XXXX XXXX. That is not my signature on those forms. I don't see a copy of how you all verified my Identity. ( Driver 's license, Social Security Card )? All I see is personal information that someone stole. I noticed multiple addresses used. No consistency in which address. Who is XXXX XXXX XXXX? Where is the ID for this file? Where does the documentation truly verify that is me? Employment verification was only a pay stub that could have been old or found by this person and you guys googled the employer instead of truly doing a VOE? Maybe, if these protocols were done at the time of this loan we could have been not having this conversation. You could have helped and stopped me from having this frustration. Someone stole my information, yet the validity of the documentation was not done. They state this is valid, however, how is this valid? 

This is not me. Not my account. I do not see how XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX has anything to do with me. Where is the true verification of Identity? Where is the Employment Verification? Where is the proof you protected me as a consumer?? 

I asked you to please remove this account from my records. It does not belong to me.

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 2023-09-20
Company: EQUIFAX, INC.
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:
According to law, 15 USC 1681i ( 5 ), inaccurate or incomplete information can not be provided on my credit report, and I have found the XXXX XXXX XXXX account ( account number ) : XXXX has incomplete and inaccurate information in all three bureaus. of credit,,,, According to law 15USC 1681e ( b ) there can not be inaccurate or incomplete information reported in the 3 credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchased a vanilla visa gift card for {$200.00} Gave to son as a gift he lives in XXXX XXXX When he tried to use the card it had no money on it. Shows it was used at a XXXX XXXX store in XXXX XXXX the next day after it was purchased. Contacted Incomm Financial and they said they would do an investigation. 2-3 months later they came back and said the same thing I already knew. They advised me no refund as the card was used in person which is not a possibility cause I purchased the card and mailed the next day to XXXX XXXX. They either duplicated the card or there is one really good scam going on. My son mailed it back to me and I have had the card in my possession I now see online that this has happened several times to people that have tried to use the card The card was purchased on XX/XX/22 in XXXX XXXX XXXX mailed to XXXX XXXX on XX/XX/22. Used at XXXX XXXX on XX/XX/22 in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Exeter Finance Corp.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered a consumer credit transaction with Exeter Finance LLC on XXXX XXXX, 2019. I requested Validation of this debt, and Exeter Finance LLC failed to provide it. This is violation of 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting 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:
Equifax continues to furnish unauthorized fraudulent identity theft inquiries from a car dealer. I didn't authorize these inquiries..please be advised that by LAW no inquuiries can be placed on any consumer report without written authorization. I have not signed any documents authorizing these organizations to provide my private credit history. 1681b ( c ) Transactions not initiated by consumer and a serious breach of my privacy rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I was scammed by an impersonator pretending to be XXXX XXXX XXXX The criminals left 2 voicemails proposing a special promotion. When I returned the call, it went to XXXX which was really the criminals. The 1/2 price promotion was said to be a partnership between the above businesses and XXXX. I was to purchase {$480.00} in XXXX gift cards. I did and then the scam continued to say that XXXX was also part of this and it was another {$1600.00} using XXXX gift cards. I did this on XXXX, 2022, at XXXX XXXX XXXX  in the pm. Within 15 min. afterwards, I learned from my sister, living in XXXX, AZ, that this was a scam. I immediately called my credit card with CHASE bank, letting them know of the scam. The response was that the {$480.00} had gone through, but the {$1600.00} would not since I called them. On XXXX, I called Chase and was told again that the {$1600.00} would not go through and to report the scam to the police and to call XXXX with the gift card numbers for the {$480.00} only. I reported to the XXXXn Police Dept. & XXXX. ( I have verification and report numbers. ) But my further concern with Chase is that on XXXX, was that they allowed the {$1600.00} to go through and said their employee had given me the wrong information. Chase did nothing to keep the criminals from profiting. I filed a dispute, but nothing came of it. Again, I have all the details to prove all of this. The dispute got escalated, and I shared my disappointment with the Chase employee, but the situation was taken lightly and said the pending charges for the {$1600.00} was just automatically approved. This is very disturbing to me and cost me the additional {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
We purchased furniture through Raymour and Flannigan and received a 0 % interest promotion. When we signed the paperwork we were never read a truth in lending disclaimer telling us we would be charged the entire amount of interest if it was not paid in time. We signed where they told us to sign. I called TD to inquire about this and was told that we get statements and emails that outline the promotion with a specific end date. After talking with TD we were told that our paper statements were cancelled and looking at the emails they never mention an end date and a charge of built up interest. The lady at TD also said that it is noted on our account page but the problem is we don't use the website to make payments. We make phone payments that never outline the end date. Neither do the emails we receive monthly. 

By hiding this information from us we had no way to know the promotion came to and end and that we would be hit with {$900.00} or interest. We want to pay off the account in full without the added fees. By not disclosing the proper guidelines when opening the loan, cancelling our paper statements and not including this information on emails sent this is predatory. There was absolutely no way for us to know until it was to late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I do not understand how my credit score can drop from XXXX to XXXX on XXXX and from XXXX to XXXX on XXXX and XXXX knows what on Equifax ( because I can't find a historical graph on their website ). I have less debt than now, only 2 active accounts and I continue to pay the total debt down each month. The debt was much higher and I had more accounts with my score was higher. This makes absolutely no sense. I believe their algorithms need to be reexamined or human intervention needs to be applied. 

We're at the mercy of these credit report companies when it comes to these scores- it can affect our lively hood because employers consider it and it can also affect the purchase of a home. We have to pay for these XXXX scores, yet their calculations make absolutely no sense. I am trying my damndest to get this debt paid off yet my scores give no reflection of this. 

I feel this is just another scam on the middle class consumer. We're the little man with no power.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Their investigation did not fix an error on your report

Complaint:
I do not understand how my credit score can drop from XXXX to XXXX on XXXX and from XXXX to XXXX on Experian and XXXX knows what on XXXX ( because I can't find a historical graph on their website ). I have less debt than now, only 2 active accounts and I continue to pay the total debt down each month. The debt was much higher and I had more accounts with my score was higher. This makes absolutely no sense. I believe their algorithms need to be reexamined or human intervention needs to be applied. 

We're at the mercy of these credit report companies when it comes to these scores- it can affect our lively hood because employers consider it and it can also affect the purchase of a home. We have to pay for these XXXX scores, yet their calculations make absolutely no sense. I am trying my damndest to get this debt paid off yet my scores give no reflection of this. 

I feel this is just another scam on the middle class consumer. We're the little man with no power.

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 2022-03-09
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have obtained my consumer reports and seen 3 collection accounts on it from Wakefield and associates. The amounts shown on these accounts are {$1000.00}, {$1000.00} and {$430.00}. I am making you aware that my consumer rights is being grossly violated, for one, I do not know how this company obtained my consumer report as I have never done business with them, I don't have any express agreement with this company and or this alleged debt is not permitted by law which violates 15 usc 1692f ( 1 ). Secondly I have the right to priavcy and it is abusive invade a consumer privacy pursuant to 15 usc 1692 ( a ). I don't know how my private information get in this company hands but I am demanding that this company cease and desist communication with me through any and all means this is including communicating with the consumer reporting agencies pursuant to 15 usc 1692c. I am also demanding that you send a valid proof of claim, this includes but not limited to all book keeping entries and and ledger on the account so I can verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: OH
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:
I submitted an identity theft report to these companies and they have refused to remove them. Someone has used my personal information multiple times to open telephone accounts and Incured medical debts in my name even credit cards. I am trying to clear any fraudulent activity so I can purchase a home and these are negatively affecting my consumer reports.I spoke to multiple people who all told me to file a FTC report which I have and submitted to them multiple times once in XXXX and another in XXXX they have refused to remove these items from my report. XXXX, equifax and XXXX are not being fair when it comes to people who really have experienced someone stealing their identity and I would like a response and for them to be removed asap. I am uploading my FTC to prove I am a victim and should not be treated like a criminal. They have opened {$530.00} at XXXX which I have never used XXXX in my life someone also attempted to get medical care worth {$1100.00} from XXXX XXXX XXXX which Ive never stepped foot inside all I have reported and nothing has been done and they are still on my consumer reports. I have proof they received my FTC report XXXX  closed the XXXX account but this is not my debt this should be deleted completely from my credit report yet they have not removed this or XXXX XXXX XXXX XXXX from my report. Equifax and XXXX have completely ignored both of these accounts as being fradulent and an inquiry they refuse to remove after I submitted this multiple times that this was not mine XXXX XXXX XXXX  XX/XX/2023 was not mine I have no idea who or what kind of inquiry that even is. I have froze my report with all three bureaus and XXXX  and XXXX XXXX to prevent this from happening. I would like all of this resolved so I can move on with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have sent letters to Experian and XXXX about these false-negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX  is the company that is reporting this to Experian and XXXX. They removed it on XXXX but they were not able to remove it on EXPERIAN and XXXX. This report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data XXXX Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
A XXXX XXXX  card was opened under my name on XX/XX/2022. I have never authorized or made any transactions or applied for any type of credit with XXXX. According to the credit bureaus, the card in question was opened with a $ XXXX limit, used once for {$99.00}. When I received the alert, I called XXXX and they cancelled the card but this item was never removed from my credit report. I am a victim of identity theft and I need this investigated and corrected as soon as possible.

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 2022-03-09
Company: BMW Financial Services NA, LLC
State: NJ
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:
There are fraudulent hard inquiries on my credit report that I did not authorize on my XXXX credit report. I reached out to the creditors and they refuse to do anything about it even though I've told them it's fraud. I also reached out to XXXX and they refuse to remove it as well, even though nobody can verify it. 

Hard Inquiries : XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX of XXXX - XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 2022-11-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX sent me wrong item, took the item and then told me there was nothing I can do. So I went to my credit card company " citi '' and they sided with XXXX because XXXX told me to send nothing to my credit card company " they would not give me proof ''. XXXX also said they received the product and will be refunding me but haven't yet because now it is on infinite loop for " item being sent back '' ... Then proceeds to ghost me.

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