BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: LDF Holdings, LLC
State: MO
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:
On XXXX XX/XX/19 I had five different inquires for loans using my information they got off XXXX website when I bought a gift. XXXX was able to put a stop to them and the loans never went through. I thought the situation had been closed and I then put a freeze on my info to protect my identity further. 

My fiance and I are merging bank accounts and he contacted his bank ( XXXX XXXX  in XXXX XXXX, MO ) and tried to add me on his bank account. The employee said my name popped up on a list and I needed to get a XXXX  report. I did and it listed the 5 fraudulent inquires that happened in XXXX. The bank told me they need to come off the report in order to be able be on the bank account. I contacted XXXX and they called the companies and they said they can't remove them. I needed to contact identitytheft.gov. I did and they said since the loans didn't go through I needed to contact this website to have them removed from my report. 

All on XX/XX/19 1. XXXX XXXX on Behalf of Radiant Cash 2. XXXX XXXX on behalf of XXXX XXXX XXXX 3. XXXX XXXX on behalf of XXXX, XXXX DBA Bridge Lending SOL 4. XXXX XXXX on behalf of XXXX XXXX, XXXX 5. XXXX XXXX on behalf of XXXX XXXX XXXX Please let me know what I need to do in order to remove these off my XXXX  XXXX report. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: M&T BANK CORPORATION
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint XXXX regarding M & T bank they have just contacted me and are still refusing to recognize that I am a borrower on my mortgage because my late husband signed as my agent since he had power of attorney at our closing. the bank states since I did not physically sign I am not the borrower. 
this is insulting to me I need M & T to recognize that I am the borrower on this morgage and assign a senior agent to deal this situation ASAP I have attached documents please see page 33 & 34

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 2019-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened up a checking account with Bank of America at XXXX XXXX XXXX XXXX, XXXX. I used XXXX to open the account. On the XXXX I withdrew XXXX in person at the branch. On the XX/XX/2019 I used the atm. The branch put a limit of XXXX per day on my card. I had activated the card the same day. I could only withdraw XXXX that day. I had to use the teller assist on the atm to get the remainder of XXXX to equal XXXX total. The bank then stole XXXX. Making my balance XXXX. Instead of XXXX. 
I want my money now. They need to give me My money. Attached is a photo of what it says in my app as explained above.

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 2017-12-03
Company: IQOR US INC
State: CT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom this May Concern I was told that in XX/XX/XXXX, they will be selling my loan. So I feel that 's why they do not wish to settle it : listed below is my most recent correspondence with regards to my student loan the only information I have is : '' '' XXXXXXXXXXXX attn-XXXX '' '' XX/XX/XXXX Please note that since XX/XX/XXXX, I have been trying to resolve this student loan matter. My loan has been sold and resold over and over again and every time I make contact with the new loan company, I am given a new story. I do not understand why I need to explain a hardship to you in order to get a payoff figure. 

Most company 's want to get paid and yet you seem to want to keep my account open on the books. I have not been able to get anyone to given me a written explanation or a payoff amount and yet when I call you will talk to me all day. I hope all of the phone conversations are recorded and kept because if I can not get a payoff figure I am requesting that all of the phone conversations be produced to show that I have been making an attempt to resolve this matter and that you have been holding on to it and costing me more time and money. 

Please note that I am also contacting all of the local and state agencies to investigate this matter. Below I am writing to you once again with the information you requested from me via phone conversation ; " I XXXX XXXX XXXX, XXXX, address is XXXX XXXX XXXX XXXX XXXX CT XXXX, email address is XXXXXXXXXXXX I was also suppose to give you an explanation and " hardship '' for wanting to pay off my student loan. I still do not understand why wanting to settle my student loan requires a hardship explanation. 

As stated in my last email I wanted to settle my student loan account for {$4000.00} in full by credit card. I am still waiting for an answer and I would like it to be in writing. I have been making contact by email and phone and I have not received any responses. The last phone call I made I was told that I needed a reason to settle my student loan over the phone not in writing. I have a couple of years before I retire and I would like to start preparing for my new journey in life without having a student loan hanging over my head from roughly 30 years ago. It 'd obvious that senior adults are not treated with much regards or respect today. I feel like I am being discriminated against because of my age but we will address that after I resolve my student loan matter. 

I look forward to hearing from you to resolve this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXXXXXXXXXX

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 2019-04-02
Company: Experian Information Solutions Inc.
State: FL
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:
My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My lawyers are currently sueing her in court for these fraudulent activities I contacted Experian to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.

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 2018-04-17
Company: Conduent Incorporated
State: IN
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 received this email at XXXX  on Tuesday, XX/XX/2018. I called the Customer Service number as instructed. I know it was early in the morning, but regardless of what time this number is called there is no option to speak to a person unless you go through a fraud claim and continually not push buttons so it will send you to a real person. Even if you get to an actual person, youre often disconnected when they try to transfer you to the correct department. This makes the caller have to go through the entire process all over again. There was no option for me to leave amessage, no number to text, or email address to message about this issue of a card being activated that was not me. Its an inconvenience to have to report card stolen or lost and then have to wait 7 to 10 business days to receive a new card with a new deposit on it. I am XXXX and I dont have time to mess with these unprofessional behaviors. There should be a way I can talk to a real person to find out what the situation is and if I do have to close this credit card number and receive a new card, get the process expedited.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: BB&T CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This regard to BB & T bank what bother me is that they hold my refund check from IRS because of get clear on check. Then when date of check told be release the bank then told me that it would release until next day due process system. The check hold for 7days, Another problem is that I have payroll deposit in checking account, because of thier process system my funds are not release to me until same day but XXXX that XXXX. Most bank release funds the same date not special time. I got wait until XXXX that XXXX to start paid my bills and bank will charge me overdraft fee due thier process sysytem. My money not release until XXXX when I got automatic money coming out account. This total a waste and way I feel that BB & T are taking money from me due to thier system process.

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 2018-04-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To start with I have attempted 7 times now through various channels to resolve my issue however the bank simply avoids responding to the actual issue by citing irrelevant information that pertains to changes made to the account after the actual incident occurred and those changes would not have taken place if the bank had not assisted a secondary signer with fraud and account takeover of my companies business checking account to begin with. I had a checking account with TD Bank and at some point without my knowledge the bank allowed a signer and employee of mine to change the signers and owner of the account in effect removing me as owner from my own checking account and they refuse to assist me since I am not on the account anymore although the changes made were unauthorized and according to bank policy what took place should not have been possible unless all signers were present which I was not or by closing the account and opening a new one which did not occur since the account number has not changed. The signer that removed me from my account is now deceased and the probate court has ordered the signers now to be changed to the personal representatives and this is the banks response but I want to know how I was removed from my account to begin with by the now deceased individual so a response related to the latest changes is not acceptable nor does it address the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a mail offer for a 0 % balance transfer for a promotion period of 1 year. I went to my account and clicked the link for this transfer. I initiated the credit card transfer from XXXX to Navy Federal Credit union XX/XX/XXXXfor the amount of {$3500.00} and the entire amount was accepted. My statement endingXX/XX/XXXX had total activity amount of {$7500.00} which included the balance transfer amount. I figured if I paid all purchases for that statement which was due XX/XX/XXXX then there would be no interest accrual. I paid {$4100.00} but my actual purchases were {$4000.00}. I paid extra to put some toward the balance transfer balance. My statement ending XX/XX/XXXX had an interest charge of {$11.00} but I could not understand why. I contacted XXXX XXXX  XX/XX/XXXX to get some clarity but it made no sense so I sent a reply and further explanation on XX/XX/XXXX but I still had not received another response byXX/XX/XXXX so I decided to call. I explained as above about the interest and he said if my full statement balance had been paid then there would be no interest. The full statement balance included the balance transfer that was suppose to be 0 % interest for 1 year. I explained I transferred to avoid interest but instead still being charged interest. Ultimately I told him I wanted my {$11.00} and he agreed to credit ( it would show up in about 2-3 days ). He further explained interest would be charged again if the entire balance is not paid to include purchases and the balance transfer amount. Bottom line I found this to be a very sneaky way to charge interest because what is the point of 0 % interest balance transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received debt collection letter from Phoenix Financial Services LLC XX/XX/2019 concerning a medical debt that was paid. Requested validation and information regarding this alleged debt. XX/XX/2019 and received a billed stated an unpaid balance and a bill indicating procedures and medication. 
There is a clear HIPAA violation here without signed release of information and proceeding to report to credit reporting without proper validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have tried numerous times, during the past month, to link my TD checking account to a brokerage account ( s ). For whatever reason, TD Bank locks me out of my account, during the actual process of trying to link my TD checking account to my brokerage account ( s ). 
I am presently on-hold waiting for another 35+ minutes, on the telephone, for a CSR to assist me. This is the second time, today, that I 've had to deal with this ridiculous situation. This morning I tried to link my TD checking account, a few minutes ago, I tried to link my TD debit card. 
I 'm also perplexed, as to why on the TD login screen where the question is asked about 'Where did you open your TD account? ' There are only three available state choices, and they are : Connecticut, Delaware, and Florida. .Well, that 's a problem in itself, because none of these states apply to my account. Then, to top that off ... The customer is forced to actually lie, in order to move forward, to the next screen. So, my first choice was Florida, since it 's also a state in the southeastern U.S.. My account was opened in South Carolina. , and that state is not one of the available choices. 
As a former banker, for many years, my banking expertise tells me that this issue is definitively one that needs to be addressed, IMMEDIATELY. 
Honestly, I am so fed-up with this particular TD Bank problem, until I 'm contemplating disassociating myself with TD Bank. It has truly become a vine of thorns in both of my sides, and is not worth the constant aggravation. 
I also bank with two other banks, and I have never had a chronic issue like this before. I have banked with one of those banks for over 34 years. 
Please try to convince TD Bank to remedy this issue. Problems like this, are really not good for TD Banks reputation, customer service relations, and quality of overall services. 

Warmest regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They had three addresses for me two of which were incorrect. They only removed one of the incorrect addresses. The address they left is full of typos on its face, and anyone with any literacy would have seen that and removed it.

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 2018-03-24
Company: Experian Information Solutions Inc.
State: IL
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've reported a dispute with XXXX XXXX XXXX through Experian credit Bureau twice ..first response was Consumer meet FCR reporting ... I sent in documents, notizied by by my bank, with a copy of my Personal ID, and certified..with a Identify fraud imformtion report asking for information on this account ... I received a letter saying it was A '' Bill '' ..I included a copy of the letter also ..with a notice to Furnisher..but Experian allowed the collection agency still report to this account without any information about this bill confirmation ... The so called Bill I received was a typed up letter on the the collection agency letter headed ..with no information or signature of service of what hospital this Account accurate.this is my second dispute with this company..my next step is to file charges with my local courts ..the Bill is from XX/XX/XXXX ..I demand this account be removed off my Credit Report .. Experian and XXXX as not sent me any supporting documents about this account as of XX/XX/XXXX ... This is not 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 explanation
Consumer complaint received 2017-12-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I summit a request loan forgiveness a couple of years back in XX/XX/XXXX to the U.S Department when I found out Everest University who was part of XXXX XXXX went bankrupt and close their schools. I received a email from U.S Department of Education back in XX/XX/XXXX that my loans forgiveness was approve under repayment rule 34 C.F.R S685.26 ( c ) and that it would be complete within the next 60-120 days and my servicer Navient will sent me more detail about the forgiveness including which loans have been forgiven. I waited pass and 120 days and I never received any information from my servicer provider Navient.. I called Navient to see the status of my loan forgiveness customer services transfer me a few time to a person that could answer my questions. Customer services told me they received the same email back in XX/XX/XXXX and said they are still waiting on US. Department of Education completed the process even thou the email stated 120 days past and also they stated even it can take over year once its approve for loan forgiveness. They also stated that my loans are in deferment without interest because when I file for the loan forgiveness with the US.Department of Education I had my loans put in deferment with US. Department of Education they had it set up were no interest would be added until a deccision has been made. I have been receiving quarterly statement from Navient and each statements showing increase on the interest itself this has been going on for the last two years while loans have been in derferment.. I called Navient to get this corrected and all I get is the run around with Navient customer services and one time they hang up on me before I get answer on why

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, INC.
State: FL
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:
My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My lawyers are currently sueing her in court for these fraudulent activities I contacted Equifax to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Valley Credit Service, Inc. (OR)
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This company has fraudulently reported misinformation to the credit bureaus and it has severely impacted me to the point I may be homeless in a few weeks. Valley Credit Services out of Oregon is the company. They say theyre removing it, but its too late and also they refuse to provide a single but if proof theyre doing this. It is nearly impossible to be the first applicant in WA state. First qualified applicant has to be chosen for the home, legally. There are 50 applications anytime a home is listed. After three months of trying, I was never first applicant. I was FINALLY the first applicant this week and ready to sign papers until valley credit services in Oregon broke the law and intentionally reported misinformation about me, causing me to lose the home and be in a position where Im about to become homeless. Im suing this company.

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