BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called TD Bank several times and told him that I couldn't make a payment because I couldn't login they kept asking me why I couldn't login I might because the secure card is I guess linked to a checking account that I had seven years ago and they like oh do you have this number with you so we could send you a link I sent you a code to the account I'm like no it's like seven years ago I don't have that number anymore. I told him this so I can make a payment still couldn't resolve the issue. I had no lettuce sent to me based upon all you need to make a payment, anything when I try to resolve the issue I told him I'm like I can't sign and I can't sign in. I can't make a payment. I was told oh well a new car gon na get sent to you a new car was never sent to me and I was told I need to make a payment over the phone and I'm like why would I make a payment over the phone where I should be able to make a payment online where I can sign in trouble signing in everything it's so they end up closing the account but then it still say open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-02-08
Company: WELLS FARGO & 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 should have qualified for the Wells Fargo Lawsuit. I had an account with Wells Fargo from XXXX to XXXX. I never received anything

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 2020-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, Bank of America decided to discontinue me as their customer and blocked my access to account and funds. I was given absolutely no prior notice or any warning about any activity that might lead to this conclusion by the bank. We are going through coronavirus pandemic and literally locked at home due to stay-at-home orders by the state of Illinois and the federal government. Me and my wife went to a grocery store and found out at the register that our debit card is not working. I can provide you receipts for denial as well. 

I called bank of America and after 3 hours of wait, somebody answered the phone and told me that bank has the right to close my account at any moment. He also said that for me to access funds, I would have to wait 3 to 5 business days or I would have to call hardship customer line in the morning and explain my situation and they may be able to give me access to funds by the next business day or two. I told them that I need to put food on the table for my family and I do not have any other bank account. At least, give me access to my debit card so that I can buy food and buy medicine for my wife but even the supervisor could not help me because the hardship department that would handle my situation is closed for the day. 

My wife is XXXX XXXX XXXX. She needed food and medicine and bank of America literally snatched our most basic needs from us. I am not sure if it was bank of America 's intent to bring us out on the street and start begging from people sure because that is where we found ourselves on the night of XX/XX/2020. We are in a national state of emergency and our area has been declared as a disaster region by the federal government. I have been out of work for the past 3 months and have not received any assistance as of now. I have very limited funds in my account and the bank stopped me from accessing it. On top of that, I am not sure if any banks are open right now and are accepting new customers so that I can go there and open a new account. In a situation, where it has been mandated by the Federal government to help consumers to the maximum extent possible, bank of America literally waged war on me and my family by blocking access to funds. 

This is not only unjust and inhumane, it is also illegal during the national state of emergency and I want to pursue my case to the highest level possible. What if something happens to my wife and my XXXX XXXX? Bank of America should be brought to justice for this illegal practice so that they are careful next time about committing crimes against humanity.

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 2020-04-16
Company: EQUIFAX, INC.
State: GA
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
THERE IS INCORRECT PERSONAL INFORMATION LISTED ON MY CREDIT REPORT. 

My name is XXXX XXXX XXXX. Please remove these incorrect variations of my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX. Please remove these addresses I have never lived at or may belong to a relative : XXXXXXXX XXXX XXXX XXXXXXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account XXXX XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
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:
It has been over thirty days and the creditor has not updated the information nor has provided proof or documentation in regardless to a late payment. They have not supplied this information and they must delete the aleged late payments o my credit report. Under federal law they have thirty days to complete the investigation And by failing to do so my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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: Account status incorrect

Complaint:
I have been disputing this account every month since May. The different items I have disputed are, openng and closing the account, no date of last activity, activity after charge off, reporting a past due balance on a closed accoiunt, incorrect payment history, reporting 90 days late 61 times, reporting a past due amount on a charged off acount, removing the c/o and replacing it with late payments and removing payments after dispute. reporting dispute resolved when it is not. Refusing to update account after multiple disputes, everytime I file a dispute to correct information furnished to CRA, they add or delete something to furthur cause harm to my credit report. The latest was to change the account closed date from XXXX to XXXX with the last payment made in XXXX. 

XXXX, XXXX and Experian all say that they are aware that the data being furnished is factually inacurate and changes each month but state that they are required to report what is furnished to them and can not correct, block or remove unless XXXX XXXX tells them to, so they update the account each month with more inaccurate data than the month previous.

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 2021-05-28
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid the debt of {$840.00} with debit card ending in XXXX on XX/XX/21 to Ad Astra Recovery Service phone number XXXX. The day I paid, I specifically informed the representative named XXXX XXXX that I needed to get this off my credit report because my lender instructed me to pay some of my debt off. I made it clear I needed this off. She said that the phone call is being recorded after she told me she couldn't give me a letter stating that this would be deleted from my credit report. I said its her word against mine I need something saying its going to be deleted from the credit report. She then stated that I would receive something in the mail indicating that I paid. Well here we are over two whole weeks and have not received a receipt. Then I find out today they have the wrong freaking address so I had to provided the updated address. This entire time they were being extremely sarcastic with me so I hung up on them after I obtained the information needed. This must be deleted from my credit report asap. I had another debt larger than this amount and they deleted it in a timely manner. I know it can be done. These debtors or whatever they are called are very deceiving and divert from the issue! If my explanation isn't completely understandable, please do not hesitate to contact me. My phone number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: FinCo Services Inc DBA Current
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I banked with current ( XXXX bank ) for about a little more then a year, used the account for everyday purchases and savings. On XXXX XXXX XXXX, I received 1 of 2 deposits from XXXX XXXX ( a emergency rental assistance program ) for approx {$14000.00} and one before that on XX/XX/XXXX for approx {$7500.00}. I waited months for this deposit and was finally able to pay my tenants rental debt off with the grant of emergency rental funds OR so i Thought. Because on XX/XX/XXXX, I get a message stating that current decided to close my account with absolutely no reason attached to this email, just a email stating they would close my account. I reached out to them regarding my 15,000 $ I had left in my available funds and have yet to receive any reply back. Its now XX/XX/XXXX and they refuse to answer any emails of mine, THEY BLOCKED MY PHONE NUMBER FROM CALLING THEM, they refuse to call me back and give me any feedback as to whats going on. They literally stole my money and are collecting interest as we speak. This is ridiculous and this is bank Fraud on their part. PLEASE HELP this is all the money I had to my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Companies Involved 1. XXXX XXXX 2. XXXX 3. Experience 4. XXXX 5. XXXX 6XXXX XXXX XXXX XXXX XXXX XXXX reported my account as a charge off/ Collection of {$770.00} as of XXXX. However, they continue to report the account as active with late payments with the recent report being XX/XX/XXXX. I have tried to have the issue corrected with the 3 credit bureaus, they claim to have done an investigation into the issue but continue to report this account as current.

Deserve on the other hand claims my account is collection for an amount {$1800.00} in XXXX. They continue to report the account as active with the recent report being on XX/XX/XXXX. The credit bureaus have been of no help in addressing this issue. 

XXXX XXXX XXXX charged off my account for an amount of {$530.00} in XXXX. I requested the credit bureaus and XXXX XXXX to stop reporting the account as active since XX/XX/XXXX. They continue to report the account as active with the recent date being 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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-15
Company: AmeriHome Mortgage Company, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I have for the last week messaged with Amerihome Mortgage regarding paying my taxes out of my escrow by XX/XX/XXXX I have included my mortgage paperwork showing this is the option I picked. They either don't respond or respond saying they will pay them in XX/XX/XXXX. That is not what my paperwork shows. I have asked to remove taxes from my escrow and I will pay them myself but that is not an option with an FHA loan.

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 2023-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
During The XXXX of XX/XX/2023 I sent a letter of validation of the bill for account ( XXXX ) to Capital ONE auto finance ( all certified mail/ hand written ), asked the company to send me evidence and bank statements with my name on it, and they did not send statements or remittance coupons with my name on it. I also sent a notice to the CFO of Capital One, telling him I am going to send remittance coupons instead of having my checking account debited. I also got approved for a Capital One credit card and 10 days later, they closed my credit card account ( see enclosed ) ( adverse action ) and added an unknown balance to my car auto finance portal. I was still never supplied with the information I asked for ( see enclosed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaintXXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  {$2200.00} Opened XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX

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 2023-12-16
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan payment is due on XX/XX/23. Today is XX/XX/23 ; when I attempt to make the payment, I am unable to select todays date as the submission, forcing me to select the XXXX, but then the system states it would be a late payment and would be charged a late payment fee. Any attempt to make my payment is rejected even when I did select the XXXX. 

Essentially, they won't accept my payment because it's a weekend even though their online system is meant to be XXXX service. The bill should be in submission and marked as paid.

Company response to consumer: Closed with explanation