BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-23
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Someone stole my card number or gained access to it when I lost my XXXX laptop. I travel a lot between XXXX XXXX, XXXX, XXXX, and XXXX. There was some usage at some store in California and then some online purchase. All of these instances were reported to Nordstrom once I realized I did not have my card and that someone cloned my card, not only this one but one from XXXX as well. It was easier getting that resolved than this, and this is a store card. I've been a customer and fan of Nordstrom since I was XXXX, I am XXXX at this point and I am disgusted at the lack of follow-through or follow up. I am also upset about poor customer service. The claims rep who was working on my dispute decided to exercise and abuse their position and power and get into a back and forth with me, I then got a denial letter days later. 

Retaliation at its finest. I know my rights as a consumer. I've written a formal appeal to Card services and I've requested footage, documents, receipts and everything they used to determine that I was the person at fault. Legally per the Federal Reserve and Federal Regulation E, the paperwork should've been made available to me when the claim was closed out- they were not. 

I call and get nowhere with customer service and honestly I feel like the company did not do a thorough investigation and I'm being held responsible for items I did not want or get to benefit from. 


I did not authorize a signer or anyone to use my card instore or online. Please help me by doing what is right and getting this resolved. ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified debt validation letter to ERC XX/XX/2019.  In return I was sent a monthly statement without any other legal information, signature or contract. I legally gave ERC 30 business days for proof that the debt was mines and validation but didnt get that at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/23 I had to wait 1 hour and 20 minutes on hold with MOHELA just to speak to a representative about my student loans. Those of us with federal loans do not get to choose our loan provider and my loans were transferred to one with such poor customer service. I ended up having to spend a large portion of my day just to get ahold of someone to fix a problem with my loans. I do not find this appropriate that MOHELA, who knew well in advance of the student loan repayment, didn't properly staff for these calls, despite the federal government paying them close to {$400.00} XXXX to service the loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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:
Request for Immediate Removal of Fraudulent Account [ XXXX ], Account Number : [ XXXX ] Dear Sir/Madam, I am writing to inform you that I have recently fallen victim to identity theft, which has resulted in a violation of my rights as outlined in 15 USC 1681c-2 and 15 USC 1681b. My FTC Number is XXXX. 

I kindly request your urgent assistance in rectifying this matter. Specifically, I am requesting the immediate removal of the fraudulent account associated with XXXX, Account Number : XXXX. The fraudulent activity occurred on XX/XX/2018. 

I understand the gravity of identity theft and its potential implications on my financial security and personal well-being. As a responsible consumer, I have taken immediate action to report this incident and rectify the situation. I sincerely hope that you can expedite the process of removing this fraudulent account from my records. 

Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: MS
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX i made this clear for 60 days straight with XXXX  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 XXXX. 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 XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2023-11-28
Company: NEW CITY FUNDING CORP.
State: NY
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:
There is an auto loan that was taken out on XX/XX/2018 in the amount of {$5600.00}. The loan is through new city funding. It was partially paid then charged off. This is not my account and most definitely fraud. You cant even buy a new car for that price. It shows that its an SUV. I have never owned an SUV in my life. I disputed it, but the company maintains that its my loan without providing the proof Ive requested. They simply ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
WESTLAKE PORTFOLIO MANAGEMENT repossessed my car without merit and reason. I have consistently contacted them to no avail of the problem and rudeness hangups on me several times. I also sent a registered security on XXXX XX/XX/2023 and directed them to wire to my funds XXXX XXXX XXXX they are still very abusive towards me and still have not taken care of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I met with Mr. XXXX XXXX of BBVA Compass Bank XXXX XXXX XXXX Bank in regards to my mothers ( XXXX XXXX ) checking account. I was the attorney-in-fact for my mother who passed away on XX/XX/XXXX. When I started to question actions taken by BBVA Compass as to why I was not notified when this account was frozen in XX/XX/XXXX. BBVA Compass did notify XXXX XXXX that this account was frozen when they attempted to process an EFT. 
When I had contacted Mr. XXXX XXXX with this issue he told me that there was only one POD, my brother, XXXX XXXX. 
When I spoke with Mr. XXXX XXXX XXXX ( Retail District Executive SVP ) about this same matter, he also told me that my brother was the only POD. 
In the ensuing months after I filed the original complaint on XX/XX/XXXX I was going thru my mothers files and found the Consumer Signature Card that was processed by Mr. XXXX ( officer number XXXX ) on XX/XX/XXXX when the account was opened. When I met with Mr. XXXX on XX/XX/XXXX I showed him the signature card and asked why I had not told that I was also a beneficiary. Mr. XXXX suggested that sometimes the attorney-in-fact is not a beneficiary. I showed him the form and he emailed the BBVA Compass Bank to ask their opinion. He said that I should call him the next day to ask him about the ruling made by the legal department. I called and left a message. I called again on XX/XX/XXXX and left another message on his phone ( XXXX ). I then called the banks main number XXXX and spoke with Mr. XXXX XXXX. Mr. XXXX then told me that they had found that in one system that I did appear as a beneficiary, but in another system I did not appear as a beneficiary. This explanation is nonsensical. 
The signature card clearly identifies me as a beneficiary. In CFPB Complaint # XXXX BBVA Compass Bank states that it can not release any information to me because I was the attorney in fact. However, I am clearly also a POD, I need an answer as to why I was not notified that the account was frozen. They did notify the creditors that the account was frozen. It is obvious that BBVA Compass Bank does not follow their own policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This is my second complaint with same problem and another issue. When my spouse died in XXXX, I provided the necessary documents and I am approved by Fifth Third to be the Successor. In the year of XXXX I still don't have online access to pay the mortgage. I have made several unsuccessful attempts in the past. I current have to pay by mail or go to the branch to pay my mortgage. I have sent checks paying the mortgage for almost years and i'm still having problems that needs to be resolved. 
This year I have and overage on the mortgage. I received a check in deceased spouse name. On XX/XX/XXXX this year I went into the XXXX branch on XXXX XXXX to resolve the issue. She spoke to someone in the escrow department to reissue the check in my name. One week later I received another check in XXXX 's ( deceased ) name. After sending the second check back to them, I haven't received any correspondence. 
I should have online access to pay the mortgage as any other consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 


has violated my rights. Or list of inquiries 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I received a different car interest rate with Wells Fargo car dealer services loan for my purchased vehicle in 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 2019-09-23
Company: ARS National Services, Inc.
State: CT
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 found fraudulent accounts or hard inquires in my credit report that I did not authorize such accounts needs to be remove from my credit because they do not belong to me nore I have authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 multiple disputes for fraudulent hard inquiries and fraudulent accounts. 

XXXX accounts - XXXX  {$16000.00} XXXX XXXX XXXX {$7400.00} Transunion hard inquiries - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
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: Account information incorrect

Complaint:
I reviewed my credit report with equifax found a account from XXXX XXXX I immediately made a challenge on the unknown account, equifax verified the account but I know that they verified it in a short time so I dont think the account was investigated, equifax knows that the FCRA requires them to provide me THE METHOD OF VERIFICATION I REQUESTED .... however they try to stall and send me generic answers about how they verified this account, they need to make sure that XXXX provides me the original signed agreement, if XXXX saying they cant provide me this information how did they provide it to equifax? My name, address and last 4 of social is not verification because clearly anyone can get access to that information, I need competent proof which is my rights, all verification without proper certification is a violation and i may seek compensation, equifax is not acting in good faith

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2019-12-14
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received correspondence from several attorneys that Jefferson Capital has filed a civil suit against me. In XX/XX/2019 I disputed an account with Jefferson Capital for a XXXX account they were trying to collect on they failed to prove the account was mines which resulted in the account being removed from all three of the credit Bureau. Since the removal of the account Jefferson Capital have never made any additional attempt to collect on the debt. So on XX/XX/XXXX I received some random mail from several attorneys that Jefferson capital filed a lawsuit against me, I immediately called Jefferson capital and spoke with a representative in the litigation department. When I asked her to explain to me why Im being sued if they removed the account and stopped collected on the account months ago she couldnt answer my questions. She then transferred me to the dispute Dept who I then spoke with a manager who couldnt explained to me why I was being sued if they had stop collecting on the account. The manager then told me she will send a email to the litigation Dept manager to give me a call back as they will be the better Dept to explain to me why Im being sued. No one have called me back. I have called on multiple occasions and spoken to multiple reps who keep transferring me to other departments because no one can answer the question as to why Im being sued. I was even transferred to the direct attorneys voicemail and I left a voicemail for them to call me back and still no one have called me back. On XX/XX/XXXX my wife told me that an officer came to the house looking for me to try give me papers from the lawsuit. I then called Jefferson captial once again and still no one is able to give me any resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Deficiency balance after repossession

Complaint:
Wells Fargo falsely repoed my XXXX XXXX because their computers glitched is what the letters stated. I had less than {$14000.00} more to owe on this XXXX XXXX civic before it got repoed. During the repo incident I purchased A XXXX new XXXX XXXX basic and the dealership tacked on the fees so a XXXX vehicle cost me XXXX because of this repo. This glitch has put me in a bind and didn't even pay for the emotional stress it put me in. I'm asking for them to pay off my vehicle like they should have in the beginning. This caused me to pay {$700.00} a month on this vehicle. This has caused me so much damage financially. 
Wells Fargo sent me a check for {$15000.00} and explained why the compensation was added. All of it was put towards the XXXX, leaving me with a balance of {$10000.00} for the XXXX XXXX. I'm asking to pay off the rest of the balance because this repo should have never happened

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 2023-11-28
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I have been a member with M & T Bank for over 12 years and held various accounts with them over the period of time that I was a customer. Earlier this year, I put in a dispute for charges on my card that were subsequently denied for some reason. The dispute was valid, but I was advised that when M & T makes a decision on a dispute, there is no secondary review. After denying my dispute, all transactions were reversed sending my account into a negative balance ( something I had not experienced in quite a while because I changed my account type so that it can not overdraft ). I then received a letter from the bank giving me a very short period to pay the money ( that I should not have owed in the first place ) back into the account or else my account would be terminated. As a customer that has used MTB as my primary bank and moved well over {$100000.00} through the institution, this was a painful experience and caused many issues in my life because most of my bills were linked to my M & T personal account. Outside of losing my account, M & T left me with a balance that I feel was not properly investigated at all. I have been a victim of fraud in the past and this has been documented with M & T but they still closed my 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 monetary relief
Consumer complaint received 2023-11-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have been sued by Wells Fargo for several fraudulent accounts. I informed Wells Fargo that I did not open the accounts. They did not care. I have found charges for life insurance, XXXX insurance, and identity theft protection. I finally got a letter for Identity theft products that were not authorized. Even though Wells Fargo is finally saying I may have been done wrong they are still suing 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