BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-27
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I worked with a representative at Freedom Mortgage on XX/XX/21 to refinance my existing mortgage through XXXX XXXX, a subsidiary of Freedom Mortgage. I was offered favorable terms and advised I would not have any closing costs so I took the deal. 

I submitted proof of income documents for both of my current employers at the time and communicated with the loan originator on 5 different occasions between XX/XX/21 and XX/XX/21. 

The processing department made contact with my employers to confirm income and apparently the information they received was unsatisfactory for their purposes, so they closed my file and stopped my application. 

I did not receive any written, or verbal notification of this. I emailed the loan originator multiple times asking for an update over the last two months and even called the processing department and was told they would get back to me. I just learned that the file was closed today. 

Apart from being a waste of time, I feel that the credit inquiry should be removed due to lack of due diligence and good faith on the part of the lender.

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 2023-10-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went into the XXXX MN Wells Fargo branch. I spoke with XXXX XXXX about a garnishment that was taken from my account on XX/XX/2023 for {$61.00}. I provided him with an exemption form that was filled out proving my exemption from garnishment. He said not only did he not want to take any forms from me but I'm not allowed to speak with the legal department. He asked me to wait in their waiting area and said he would contact the legal department. He then came back and said if I wanted to give him any forms to submit to the legal department he would do his best to TRY to get it to them but could not guarantee me that he would. I also said I do not want to see any NSF fees applied to my account because of this unlawful garnishment. He told me he could do nothing about that. I have now figured out how to contact the legal department at Wells Fargo. I submitted a complaint with them that they never served me with documents to prove my exemption and that they unlawfully allowed an exemption to be taken. The legal department at Wells Fargo said based on my exemption they received on XX/XX/2023 it should have been reviewed immediately and my account should have been refunded the garnished amount. If that were to have happened I would not have XXXX NSF fees applied to my account for other transactions processed through my account. So now I have XXXX {$35.00} NSF fees applied as of XX/XX/2023 because this garnishment made my account negative so that the other transactions were not covered. The legal department told me I'd be on my own to dispute that with customer service. My account is currently at - {$130.00} and I can not get anyone to help me. Not the bank or the law firm who served the garnishment request on the bank.

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 2023-07-24
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I got a notice yesterday that a hard inquiry hit my credit report and I have not applied for a new line of credit. The retailer is XXXX and Ive reached out and reported the fraud. What i find odd is that they used my info to open the card but my mothers email address for the acct. idk whats going on. ( I know my mom didnt do this bc shes not sketchy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022 Greetings : During the first week of XX/XX/2022 Citizen Bank telephoned me. Citizen Bank mention my debitcard had been compromised. 

This was a recording. I didnt follow though by pushing buttons. In turn I called Citizen Bank to speak with a representative. 

At that time a representative mention charges to XXXX, XXXX, XXXX, XXXX, XXXX. I denied the purchases, and Later I called Citizen recalling. The XXXX this is my purchase. 

The representative refiled a second claim. Next I receive a letter saying there was no fraud. 

These circled purchases arent mind. 
My debit card has never be out of my possession. 

The only person that knows my pin is only know to me XXXX XXXX. 

I went to Citizen XXXX 2022 and receive a new debit card with same pin. Lastly I have been a client in XXXX XXXX 

In addition as child until theyre new names XXXX XXXX  XXXX and now Citizen Bank XXXX 

I hope keep my relationship with them. Please dont allow Citizen Bank to take my hard earn labor. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. Please remedy the situation immediately Non-compliance with regulations and the law is never acceptable. Consumer law requires to make sure that all claims are accurate and reported in the correct format, which meets both METRO 2 standards as well as FCRA requirements. I am requesting evidence to show why my accounts are considered delinquent or derogatory. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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

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 2021-05-27
Company: Santander Consumer USA Holdings Inc.
State: NC
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:
HELLO, THE AUTO LOAN ACCOUNT WITH SANTANDER SHOWS IT HAS BEEN SOLD TO ANOTHER AGENCY HOWEVER SANTANDER IS IN VIOLATION OF THE FAIR DEDT CREDIT ACT BECAUSE THEY NO LONGER HAVE THE ACCOUNT AND THEY SHOULDNT BE REPORTING THIS ITEM. ATTACHED IS THE LETTER MAILED OUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am the beneficial owner of the credit account I have with Synchrony Bank ( CareCredit ) and my account was fraudulently closed without my permission upon exercising my rights under the Bill of Exchange act that states states the only way to pay a bill is with interests and 12 USC 1431 states Powers and Duties of Banks the first duty being to borrow and pay interest, I contacted this company about information on how to indorse the credit statement to remit back to this company for set off on behalf of the principal, and I was given false information by an agent on where to send this remittance and without contacting me at all my account has been closed, my negotiable instrument has been refused which is breach of contract arbitration is being filed with XXXX XXXX XXXX for the breach of contract I also fully am aware an account connected to my social security aka trust account can never be closed it is being used for investments with this company I will motion for a securitization audit for this account. I would also like to remind this company of the protection of my personal non public information under the Glamm Leach Bliley Act which also gives me the right to completely opt out of having my personal ( or any co signer ) information reported to ANY 3rd party this will be used as evidence in court if any negative items are reported to any 3rd party

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 2022-07-05
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I XXXX XXXX XXXX XXXX ) Universal agent, on the Behalf, of the Private Trust XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX XXXX POA at fact of Trust of ; the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Trust.. Account of XXXXusing enforce compliance in the process because I XXXX XXXX XXXX deposit the amount of {$80.00} XXXX XXXX Dollars / XXXX notes on the date of XXXX XXXX have I state of Good faith of Credit Lawfully too XXXX of the company because the XXXX XXXX wasn't in.. at location XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX location and affidavit to the XXXX XXXX XXXX XXXX XXXX. Statement of good faith of Credit by XXXX XXXX XXXX Laws as called AntiTrust Rights .. please contact them I as parts of The Federal Reserve authorized to use navigation of authority by treaties ARTICLE 6 of The Constitution,,, enforcing... Article 39 of the declaration of indigenous right..

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 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: MO
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:
Equifax ; XXXX  and XXXX  are falsely reporting that I am ( 120-180 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act, XXXX XXXX XXXX, account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A, states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish a account without my written instructions.

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 2018-10-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a property that was scheduled to close on XX/XX/2018. The buyer already had a mortgage commitment letter from Citizens Bank in XXXX RI. One hour prior to closing the closing attorney for the buyer notified me that Citizens Bank would not release the closing paperwork and would not provide the closing funds to the buyer. I had a closing on a new property scheduled for XX/XX/XXXX in a different state and my furniture was already in transit to clear the property for a walkthru. By denying the load at the last minute, it caused both closings to fall through and now my property is back on the market and I am currently renting in the new state. I called Citizens Bank to get an explanation on why they waited until the last minute to deny the loan to my buyer and they would not provide any explanation. The lawyer stated that it was because of a another property that the buyer had that was properly disclosed during the loan process. I have spoken to several bank managers and was told this should not happen hours before closing. This situation has caused me thousands of dollars in unexpected expenses and now I have to put my house back on the market at a less than ideal time of the year to sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am trying to get me a house and car and I have tried disputing this several times and nothing is being resolved! Ive called many times and nothing is being done! According to the 15 U.S.C 1681 Law there shouldnt be any damages on my report, its a defamation to my character

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 2023-08-10
Company: Resurgent Capital Services L.P.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed LVNV XXXX XXXX account they have the police report and identity theft report and has not removed. This debt from my credit report they even sent me an identity theft report I filled it out and faxed back to them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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 live with someone else. This is the second time Since XX/XX/2018 my account information has been co-mingled with our living partners. I have requested twice a validation of Debt in writing with no written or electronic response. Under the law [ FCRA/FDCPA ], this alone proves the debt is NOT MINE. This greedy " corporate '' entity is still trying to take advantage of people during COVID-19 an collect money from sick people who have little health coverage during the pandemic. The account they have been trying to collect from, is from a bank I have been a member of a credit union since before then. Very uncooperative when trying to call on the phone and explain their mix up, I don't have time for this as they reduced hours at work since the start of the Corona virus outbreak. It is such a RipOff the have Portfolio Recovery have complete access to all the consumers credit reports and then try to force them to pay for debts that at not even theirs. They say I owe {$100.00}, I say I owe {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX XXXX- Synchrony bank- 1- This problem has been ongoing and never resolved even after multiple calls and CFPB complaints- read them and weep! Your agency does nothing! Complaint again! I never received a written reply from the company as to why they misinformed me and would not allow me to make payments., although, finally able to resolve making payments that letter and to date never came! 2- Their so called automated payment automatic answering still does NOT WORK even though they claim to be working on it. IN my opinion a scheme to make money off of late charges and charge higher interest for failure to make that payment on time. XXXX XXXX XXXX purchase Credit Plan 5  years no interest. I now owe late charges and fees again and the payment which was once resolved is NOW higher then they themselves provided! So, once again, when is your agency going to be who you claim to be a PROTECTION agency and assist?

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 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, 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:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

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 2023-05-10
Company: EQUIFAX, INC.
State: AL
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 submitted a complaint last XX/XX/2023 and the companies involved responded. Some got deleted but there's a lot of fraudulent items that are still reporting on my credit report. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX Account # XXXX and TRANSUNION, 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 XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX & XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXXL XXXX, US DEPT OF EDUCATION/XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account THERE ARE 10 INACCURATE ACCOUNTS APPEARING ON MY CREDIT REPORT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXXXX/XX/XXXX Account, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, US DEPT OF EDUCATIONXXXX, XX/XX/XXXX 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. i did not give Transunion wriiten instructions to report the accounts listed above. Transunion violated my rights this is a case of 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