BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
TD Bank mistakenly mailed a {$1300.00} check to XXXX XXXX that was supposed to go to my utilities company. The check came from my personal bank account with my name and home address. It was made out to XXXX XXXX XXXX XXXX and had an account number on it that matched a XXXX store card that I had closed years ago. XXXX XXXX decided to apply that payment to my business account, where the checks are made out to XXXX XXXX Bank ( NOT Retail Services ) and has a completely different account number. I called XXXX XXXX as soon as the payment posted and requested that they send the money back to my bank account since it was obviously an error, it was made out to a different department, it had a completely different account number, and it was obviously a personal check that did not have the name of the business on it. I was told by XXXX XXXX that they would only be able to refund the money if the request came from TD Bank. I made the request through TD Bank and received a message that said " Our Bill Pay Provider has spoken with XXXX XXXX XXXX XXXX and it has been determined that in order to resolve this, they are requiring a conference call with our Bill Pay Provider and yourself.

At your earliest convenience, during a time when your biller would be open, please call our online banking department at XXXX to initiate this conference call. Our online agent will then verify you and connect you with XXXX XXXX XXXX XXXX, and then contact our Bill Pay Provider while you and your biller are both on the line. XXXX  XXXX XXXX Services will not speak to us without you on the line. 

For further information in regard to this payment, please respond to this message or contact us at the telephone number below. Please be sure to reference Bill Pay Case ID # XXXX. '' I called that number and, after more than two hours on the phone, I was told by a TD Bank representative that they can not do the conference call that they told me themselves was required and that, even though this was their error, the only way to solve the problem would be to take XXXX XXXX to small claims court. 

It has now been almost a month since {$1300.00} was removed from my account at their error and I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
On XX/XX/2020 I attempted to use my credit card, however, it was declined. I called the company to report this, I was later put in contact with another department. Here the representative told me that my account was closed because I was reported as deceased. On XX/XX/XXXX I called again to learn of who reported me deceased. I was told that they do not have that information. Additionally I was told that someone had attempted to close my account that day. I am writing you for assistance in finding out who requested that my account be closed and reported me deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: FL
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:
Equifax Is not helping me at all, I filed 2 complaint with you guys and one response was they couldnt verify me so I sent 2 forms of verification the very next day I got an email from u guys saying they completed their investigation, how is that even possible when they havent received my documents yet I priority mailed it and they will receive it this Friday XX/XX/XXXX, I stated multiple times the items on my credit is incorrect and inaccurate nothing seems to be working out I am an victim of identity thief,, this is hindering me from doing a lot credit wise I did all I can do I NEED HELP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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 status incorrect

Complaint:
I am writing in regards to my credit reports with XXXX, equifax, and XXXX. I contacted all 3 bureaus XX/XX/2022 in regards to inaccurate information reporting to my credit reports requesting a validation of debt letter on the behalf of the invalid information being reported niether of the companies responded with a written response with proof of all accounts inaccurately reporting binding me to these accounts. I did not receive the requested information no contract or signatures and under the Fcra these accounts must be removed due to the bureaus not responding with the validated information I asked to be provided of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Comerica
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I receive my SSI on my direct express card and it is connected with Comerica Bank. My account has been HACKED three times and have had to get new card from direct express. And have gotten charged XXXX and XXXX for expedite shipping three times when this has happened and should not have been charged because it WAS NOT MY FAULT. I get my SSI deposited second Wednesday of every month and can not be worried every month if I can get access to money that I have worked all my life to receive. Comerica is FDIC INSURED and also need my {$1400.00} put back on another new card and they are refusing to do so. Comerica keeps telling me to call direct express and just can not get any straight answer! RIDICULOUS and I'm tired of waiting. THIS IS ON COMERICA BANK and needs to be fixed!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : 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 2019-07-16
Company: F.H. Cann & Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2019 tax refund was garnished to offset a student loan debt. I was never notified of this in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: PA
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: U.S. BANCORP
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I faxed the information requested by my bank to verify my identity on XX/XX/2021. I was told it wook take 5 business days to have access to my account. I called back on XX/XX/2021 and was told that the documents were grainy and that I would have to refax them. I called the bank regularly and was not told of this issue until today. I am now being told that it could be 48 hours to another 5 business days before I might have access to my account. I have never been informed by the bank as to when I would have access to my funds. They claim that they do not have the phone number to the department that authorizes the release of my funds. I need access to my money.

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 2020-12-05
Company: Shellpoint Partners, LLC
State: HI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Complaint against XXXX XXXX XXXX XXXX XXXX is Publicly traded on the XXXX XXXX XXXX XXXX under the ticker XXXX and is structured as a real estate investment trust. 

They are externally managed by in affiliate of XXXX XXXX XXXX XXXX. 



XXXX XXXX and XXXX XXXX XXXX engaged in mortgage back securities to defraud investors which is a federal crime. 



XXXX XXXX and XXXX XXXX XXXX fraudulently created mortgage back securities to defraud investors. Please see attached letter from XXXX ( Exhibit 1 ) On XX/XX/XXXX see attached notice of ownership change from XXXX claiming they transferred dated XX/XX/XXXX to XXXX pass-through XXXX XXXX. 

The letter states Its for informational purposes only and required by federal law. It also states the transfer of ownership has not yet been publicly record. ( See Exhibit 2 ) On XX/XX/XXXX XXXX fraudulently created a corporate assignment of mortgage from XXXX XXXX to XXXX not in its individual capacity but solely as trustee of XXXX pass-through XXXX XXXX see attached ( exhibit 3. ) New residential loan servicing and XXXX loan servicing created fraudulent mortgage back securities and sold it in the stock market to investors. The assignment was never recorded under city bank as trustee in Hawaii land Court bureau of conveyance. 



The consumer financial protection bureau and Securities and exchange commission should Immediately investigate XXXX XXXX And XXXX loan servicing for creating fraudulent mortgage back securities and defrauding investors which is a Federal crime. 



If XXXX XXXX is trustee for the XXXX Passthrough XXXX XXXX then new residential and XXXX loan servicing need to produce a recorded assignment in the name of XXXX as trustee on or about the closing date of the pooling and servicing agreement. 



I am asking the CFPB to immediately look into these fraudulent mortgage back securities that new residential, XXXX, XXXX XXXX XXXX and Shellpointe are engaging in. Im asking new residential servicing through CFPB ( Consumer financial protection bureau ) to provide a copy of the recorded assignment showing XXXX as trustee as required by the pooling and servicing agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland credit management has been calling me 2-3 times a day using a phone number from different states such as Arizona, California, and Michigan. They are spoofing their phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-05
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company insists on constantly reporting false and fraudulent debts on my credit report and is in violation of the FCRA. I have repeatedly requested through the credit bureaus to provide the contract bearing my signature engaging in a contract with the REPORTING company in order to validate any debt having that being the ONLY LEGAL VALIDATION of a debt per FCRA reporting. The LAWS are constantly being violated and this is now harassment and invasion of every privacy law in existence in California and Federally. I DO NOT OWE ANY MONEY TO this company and they are now falsely reporting this information violating the Fair Credit Reporting Act.A PROVIDE A DOCUMENT WITH MY " SIGNATURE '' let me repeat that ... MY " SIGNATURE '' ENGAGED IN A CONTRACT with said company for these fraudulent debts being reported or REMOVE from my credit file ASAP! ITS THE LAW! FOLLOW IT or be sued for damages! Third time this company is committing fraud on my credit file in past 3 years. They REMOVE the fraudulent reports and then fraudulently report new the fraudulent debts a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was first a victim of scams and was tricked into exposing my identity to scammers. While reviewing my credit history lately, I noticed a Capital One credit card was fraudulently opened in my name around XX/XX/2019. I have never owned a Capital One card or account. I phoned Capital One at XXXX about this situation and was told to expect a follow up which I never got. I am surprised that Capital One would approve a credit card application without checking the applicant 's identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX We started a short sale with Wells Fargo on XX/XX/XXXX. 

On XX/XX/XXXX we called Wells Fargo. The rep stated the re-entry team called homeowner on XX/XX/XXXX to perform a phone interview, which is required before they will do anything with this account. The homeowner did not answer the phone and Wells Fargo did not bother to leave a voicemail for them. -- -The homeowner had no idea that Wells Fargo needed anything. 

I tried to call the re-entry team, at XXXX. I was on hold for 30 minutes and call disconnected. No one answered. The homeowner would have been unable to call in, even if they had been asked to do so. 


Why is Wells Fargo refusing to communicate their requests to the homeowner? 


Why does the re-entry team just disconnect the call after waiting for 30 minutes?

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 2020-07-21
Company: UHG, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I took out a payday loan with XXXX I didnt pay it back but have been trying to pay it back and have called and it says that the account was sold to XXXX XXXX XXXX. I have called the number and left them XXXX voicemails and they havent contacted me. However my family has been getting aggressive and abusive calls saying that if they dont pay or transfer the call to me that they will send me to court. Then I answered once and right away they asked me for my social and then when I told them to send me a letter to verify they amount I owe they started abusing me over the phone saying no you have to pay now or we will send you to court and I kept asking them so send me a letter and they hung up. Its frustrating because Im not neglecting to pay off what I owe which is {$290.00} but they arent really connecting me to the right people and they are just calling me and my family abusively and using a fake phone number. The number that appears on my phone is the XXXX XXXX XXXX number, therefore they are acting fraudulent.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX XXXXBalance : {$12000.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$54000.00} ; XXXX XXXX XXXXBalance : {$16000.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX Balance : {$6300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus.

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being 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 explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and I noticed some fraudulent accounts listed on my credit report I then proceeded to reach out to the credit report agency to fix this issue but they did not fix the issue.

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 2020-05-05
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CONVERGENT OUTSOURCING ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-06-05
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: Account information incorrect

Complaint:
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 right to privacy. 
15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions This account is showing inaccurate on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A bunch of inquiry has been popping up on my credit report with out my knowledge and I called and reported it to the companies and they was no help XX/XX/2020 from capital one bank XX/XX/2020 from capital one bank

Company response to consumer: Closed with non-monetary relief