BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: SoFi Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I understand that this bank is trying to do everything by the book, but in their quest to do so puts a tremendous amount of stress on the buyer. I provided everything they asked for, and it still didn't suffice. It was particularly problematic when it came to liquidating crypto for part of the down payment. So I found a workaround in the form of a gift from my partner. Then they wouldn't let him sign it electronically through adobe sign or docusign. Do they not understand that it is way easier to forge a written signature than it is a digital signature that they can trace? Also, they allowed for everything else to be e-signed. On top of all this, the lender waited until a couple of days before close to tell me this. So at this point, it was either jump through all the hoops or lose $ XXXX in earnest money. After my partner signed the gift letter, XXXX requested more documentation, citing XXXX XXXX guidelines. Not sure why I was told this after going through the whole process of getting it signed. Part of all the confusion stemmed from the lack of SOFI properly educating me on the type of loan I was receiving. I had no clue that it was a XXXX XXXX loan versus an FHA or some other kind of mortgage. So when I tried to research on my own, I was receiving conflicting information. Finally, in addition to signing the gift letter ( a legal document ), they asked me to type a blurb stating that I would not be paying the funds back. So a legal document was not even good enough for them. After all of that, they requested that my partner sign an affidavit saying the house would be his permanent residence, even though we don't live in the same state due to our careers. Again, something they told me after I went through the whole process. I was clear from the beginning where the funds were coming from. Even the title company and lender were shocked by how difficult the lender was being. 

Further, SOFI waited until the last minute before requesting proof of funds. Had they set a deadline, I would have had it done. Instead, their procrastination pushed the deal right to the brink. I then had to sign an extension with the buyer, which cost me more money. XXXX being ill-prepared, almost lost me my {$20000.00} in earnest money. Ultimately, I had to walk away from the deal with SOFI and paid cash instead, which, had I done from the very beginning, would have saved me a lot of time, money, and heartache. I am extremely fortunate that between my partner and I, we were able to come up with the money. 

Overall this process was so frustrating that I never want to apply for a mortgage again. As a first-time home buyer, this should have been a life milestone, but instead, it was a nightmare. SOFI should really be investigated for its lending practices.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: NC
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 was charged overdraft fees when I didnt make any such overdraft fees and my account was closed

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 2020-03-03
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans or gave anyone authorization to. I have never went to school. I opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$3600.00} DPT ED/XXXX XXXX {$6800.00} DPT ED/XXXX  XXXX {$1800.00} DPT ED/XXXX XXXX {$9100.00} DPT ED/XXXX XXXX {$3700.00} DPT ED/XXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$570.00} XXXX XXXX {$12000.00} XXXX XXXX XXXX {$480.00} XXXX  XXXX {$2700.00} XXXX XXXX {$600.00} XXXX XXXX   XXXX {$660.00}

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 2022-08-09
Company: M&T BANK CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On or about XX/XX/XXXX, or XXXX, I called M & T Bank ( XXXX ) XXXX to the consumer management payment dept to ask if I could get a lower payment for my account ending in XXXX.I was told on that day, I should have not started back making payments. 

The XXXX $ that I am paying is only XXXX or XXXX dollars toward the balance of {$2500.00} because of the interest rate. I had no Idea this was going on when I would call to make payments, they never told me the balance only the payment amount. The young lady XXXX XXXX, XXXX, XXXX, stated she spoke to her supervisor and her supervisor stated it is a closed account, nothing could be done. 

Monday, XX/XX/2022, I called back requesting to speak to a supervisor I reached someone by the name of XXXX at XXXX. Then I was transferred to XXXX, Again I was transferred to XXXX, XXXX or XXXX  she refused to let me speak to a supervisor and told me the account is active, I should speak to that dept, where the active accounts are. I feel I should have been able to speak to someone with higher authority, I closed the account out and was not able to pay. M & T bank called me several times about making payments. So I tried to be in compliance with the bank, but I am not getting in where, soon the amount will be XXXX or more if this keeps up. 

I sure the bank has these recordings of the conversations on both days. 

Furthermore, I thought this dept was to help customers when there is a problem with their accounts, M & T bank called all day and evenings for collection.

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 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans or gave anyone authorization to. I have never went to school. I opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$3600.00} DPT ED/XXXX XXXX {$6800.00} DPT EDXXXX XXXX {$1800.00} DPT EDXXXX XXXX {$9100.00} DPT EDXXXX XXXX {$3700.00} DPT EDXXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$570.00} XXXX  XXXX {$12000.00} XXXX XXXX XXXX {$480.00} XXXX XXXX {$2700.00} XXXX  XXXX {$600.00} XXXX XXXX   XXXX {$660.00}

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 2020-03-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE SEVERAL ACCOUNTS IN MY NAME THAT I DID NOT OPEN I CALLED Equifax, XXXX  and XXXX s. On XX/XX/XXXX, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got a letter dated XXXX XXXX XXXX regarding a debt I did n't owe.I identified the account was some sort of identity thief ... .Someone had been using my name around the city without consent ... I cotacted Procollect and allowed them the Police report and letter disputing this account.I keep accurate credit with a 700 plus score.I do n't intend this harm my credit any longer. I have asket this company for a legal address for service of a legal law suit.. this company have n't sent documents signed in my name or any request for there address.I submitted this several time via fax.

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 2022-02-25
Company: Experian Information Solutions Inc.
State: ND
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 previously disputed with XXXX experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 previously disputed with transunion, XXXX  and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2022-02-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have chase as a bank my card was lost/stolen in XXXX i noticed some charges I did not do and I called my bank and told them what happend I told them XXXX last transaction I told them exactly where I lost my card and told them the transactions that were done on my card I feel sad and very unsafe because Ive had this account for years. I filed a claim and they denied it the first time they filed the claim incorrectly so I had to file the claim again and then they credited my account days later I checked my account and they reversed the funds told me my claim was denied leaving my account at XXXX dollars I explained to them these transactions were not made by me I was told they can not do anything to help me that VISA denied my claim so Im very confused and frustrated as to why my bank is not protecting my account and they are doing nothing to credit my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$1800.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: Paradigm Assets, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom It XXXX Concern, Company : JHPDE FINANCE I , LLC Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Per 15 U.S. Code 1692f - Unfair practices A debt collector XXXX not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than XXXX days unless such person is notified in writing of the debt XXXX intent to deposit such check or instrument not more than XXXX nor less than XXXX business days prior to such deposit. 
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. 
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. 
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. 
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 
( 7 ) Communicating with a consumer regarding a debt by post card. 
( 8 ) Using any language or symbol, other than the debt XXXX address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector XXXX use his business name if such name does not indicate that he is in the debt collection business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: WI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2017-11-19
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX, I called TD Bank to find out the process of applying for a new mortgage. The representative, XXXX XXXX, answered and asked me if I was willing to be enrolled in their new voice recognition program ( TD Voice Print ). I told him no and then he asked me why I did n't want to be enrolled. I explained why I was very against enrolling in a program matching my voice to gain access to my account. He went on to explain their process for applying for mortgages. I thought that was the end of it, until I got a letter in the mail on XXXX XXXX thanking me for enrolling in the TD Voice Print program. I called TD Bank to complain about their erroneously enrolling me in this program against my permission. Although they say that have spoken with XXXX XXXX and conducted retraining, I want there to be a record of the behavior. To go against a customer 's request and actively add their name to a program that could give access to sensitive information should be illegal and/or should come with steeper consequence than a retraining.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Upgrade, Inc.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account with Upgrade was closed, however, I continue to receive emails regarding an external funds transfer into account which was set up prior to account closure. Since I have no access to account, I am unable to cancel the scheduled transfers which are set up weekly, I believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2022, I received notice via XXXX and XXXX of a collections account on my credit report. I contacted XXXX and reviewed my XXXX credit report to find a past due bill with XXXX reported in my name in the amount of {$1000.00}. 
At that time, the collections account was managed by : ( I also contacted the collection Agency on XX/XX/2022 at XXXX speaking with a XXXX XXXX the first time and XXXX XXXX the second call. ) XXXX XXXX XXXX XXXX Amount of debt : {$1000.00} On XX/XX/2022, I received notice via XXXX that the dispute was resolved and the debt removed. 

Today, XX/XX/2022, I received a notification via the mail from Credit Collection Services ( XXXX ) Date : XX/XX/2022 Amount of debt : {$1000.00} I called Credit Collection Services to start a dispute but decided not to speak with anyone or enter my information as I believe this to be a scam. I will file another identity theft report with the FTC and local law enforcement. I will send a certified letter to the collection agency. I placed a credit freeze on my information last year and again in XXXX. I am so angry that the elderly are targets for this type of fraud. 

A legitimate collection agency should vet all of the collection accounts they assume responsibility for to include inquiring as to whether or not the debt was reported as fraud or identity theft otherwise, ( the collection agency ) is just another part of the problem. However, I do not believe this to be a legitimate company. The bill from Credit Collection Services was addressed to me by my maiden name... I am over XXXX and have been married for decades. According to XXXX XXXX who originally reported the ( fraudulent ) account as passed due, the account was opened in my legal ( married ) name.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: CA
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: NY
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:
My credit report is showing late payments to XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 DID NOT CONSENT TO AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ACCOUNT ( S ). BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief