BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted via mail by TD bank as " pre-approved '' for a HELOC. One XX/XX/XXXX, I called TD and applied for a {$200000.00} HELOC over the phone. My application was taken by a mortgage specialist. Over the subsequent days my loan went to an underwriter and a hard credit check was performed. On XX/XX/XXXX, I received a call from TD Bank informing me that my application was declined because my primary mortgage with XXXX XXXX XXXX is an Interest Only mortgage and that TD does not provide HELOC loans behind I/O first mortgages. My issue is that I disclosed the XXXX XXXX XXXX I/O loan during the application process and TD should have informed me then of their policy. Instead, they proceeded with an application they would never approve which had a negative impact on my credit score for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX my XXXX was deposited to my Bank of America account. I was able to withdraw {$1000.00} at which point my account was frozen. I called customer service and was told to go to a branch and withdraw my money. I went and was told I must wait 24 hours so I did at which point I went to the bank and was told I must now wait 5 days for them to decide whether they were leaving my account open or closing it. At this point my ppp money meant to save my struggling business is locked in an account. This bank should be out of business the way they hold peoples money whenever they feel like and make you wait until they feel like giving it to 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 monetary relief
Consumer complaint received 2017-11-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened 4 accounts for my children ( XXXX ) with XXXX XXXX which sold to Wachovia which then sold to Wellsfargo. Somewhere along the way, Wellsfargo lost the account. I have requested information over and over again and Wellsfargo can not find this one account. They have located 3 of the 4 accounts. I went to the branch in XXXX XXXX and was told the information was not in their records. How can a bank lost an account. It 's not about the money ( A little over {$200.00} ). It  's about principle and trust. I was told to go and see if I could find the account, then they would be able to assist. This is terrible. The account was last access in XXXX 2006 while I was in XXXX XXXX, South Carolina when my son was in boot camp

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 2017-11-08
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have had a dispute in since XX/XX/XXXX for XXXX XXXX for {$440.00} ( XXXX ) I was charged for a flight that was cancelled and I sent so many letters explaining this and I 'm getting the run around. when i called XXXX i was told i was n't charged but I show different.I have been going back and forward witht he dispute dept. with no help to getting this fix and we are now in XX/XX/XXXX and this charge happened in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Ever since I had cash app, either Im not able to access my funds like I should or they never go through or just like I deposited XXXX dollars on Friday and now they closed my account for no reason and now Im not able to get my money off the account and nor am I able to link another bank or anything to retrieve those funds either.. .this is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
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: Their investigation did not fix an error on your report

Complaint:
Good Afternoon, I am in desperate need of help with inaccurate information being reported on my credit report by all three credit bureau 's. There are two collection accounts that are causing me difficulty with my career. I currently hold a security clearance and am in jeopardy of losing it, because of inaccurate reporting 's by Equifax, XXXX, and XXXX. One is XXXX XXXX. 

I recently reviewed my credit reports and found that there were two collections accounts. One with a company called XXXX XXXX XXXX XXXX in the amount of {$370.00}. This was due to them buying an account from XXXX ( Cell Phone ) who claimed that I owed this amount. I explained to both, The Credit Bureau, and XXXX XXXX that I am a US Soldier, and I did not owe XXXX a remaining balance, that I had contacted XXXX concerning this amount, and they were unable to find my account with said balance owed. I now owe XXXX XXXX this balance of {$370.00}, whom I have no business with. I have never signed any contract with this company and I do n't owe them any money. I explained this to all three of the credit bureau 's and they simply say the debt has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: NJ
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 SENT 5 DISPUTES LETTERS TO THIS COMPANY ANBD THEY IGNORED ALL MY LETTERS. NO RESULTS / NO REMARKS / NO INVESTIGATIONS, THEY REFUSED TO INVESTIGATE AND BY LAW THEY HAVE TO INVESTIGATE. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), THIS COMPANY must complete the investigation within 30 days of receipt of this letter, and they have not. please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: LEXISNEXIS
State: UT
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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Experian Information Solutions Inc.
State: GA
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 disputed items off of my credit report due to inaccurate information to both XXXX  and Experian. Neither one of these credit bureaus responded in 30 days, nor did they provide proof of the accurate information. I've sent them 2 letters and no response have been made.

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 2019-05-12
Company: Credit Bureau of York, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was alerted on Friday XX/XX/2019 by XXXX XXXX of a 52-55 point drop on my credit score due to a collection account by XXXX XXXX XXXX. This company has never contacted me regarding this debt by either phone or mail, but instead filed negative remarks against my credit score without ever notifying me that this collection existed. I tried contacting them and was immediately directed to answering machine voicemail. I have not received any response from them. The balance with the account in question ( XXXX XXXX ) has been paid in full. I believe this to be unfair practice to impact my credit score without ever being contacted about a collection account that I didn't have knowledge of, and am asking that this be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Received a letter from XXXX XXXX stating I owed a debt that I dont owe. They are using strategically misrepresentations of the facts to imply they are a law firm not a debt collection agency. 

I told them I was the victim of identity thief. 

I stated the debt was not valid and requested they produce competent evidence that bares my signature to prove I owe them a debt. Future more until they are able to produce valid documentation they do not take any future actions. 
The phone representative told me she could send me an invoice. I requested a signed agreement with my signature. She told me they had no legal obligation to provide such a document. 

Since the voice recording at XXXX states its a law office and the phone representative reaffirmed it, I told her to transfer the call or have the lawyer in the office call me. She told me no lawyer is going to call or is in the office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have 2 late payments XX/XX/XXXXand XX/XX/XXXXthat was due to human error. The wrong routing number was inputted in error. We have made all payments before and after and corrected it soon as we was made aware Payment History Youve made 96 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXXCurrent Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Credit Card Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Times 30/60/90 days 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 2017-11-08
Company: Rocket Mortgage, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not authorize hard inquiries on my account affecting my credit score.

This company keeps pulling my credit score for no reason. 

XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX I did not give them permission at all. 

Quicken Loan XXXX, MI XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX and XXXX I was told by my credit card company the late payments would be removed from my credit because my account was closed due to a misunderstanding and the account is still open. Also I wasnt sent a bill but Transunion XXXX XXXX  refuse to adjust my report

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 2019-06-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received an introductory offer. I just bought a new homeand was renovating the heater and AC. XXXX representatives were here offered me credit at at 9 % the Wells Fargo offer was for 0 % no teanfer fees so I called Wells Fargo on my cell phone, the agent took my information but told me that i only qualify for XXXX XXXX dollars. So i advised her that i did not want the credit card and she asked me if i deined the card which i said yes. I received a bill which i didn't open stating that XXXX was sent to my XXXX card. I noticed an XXXX repayment on XXXX, they adbised me that Wells 3sent the electronic payment so XXXX card resent the payment which Wells Fargo told me to hold on to it. Now i have been trying to get resolution and today i called again a d was ts that Wells Fargo doesn't send out resolution letters, theres3no phone recordings and i am out XXXX, i can't speak to anyone. I need help grom these thieves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-22
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have explained that this debt was incurred due to identity theft however collection activities have continued on this account. I have filed bankruptcy and claimed the debt under the bankruptcy as well. This account has been sold by Jefferson Systems twice according to two different representatives I spoke to from their company on Friday XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, 2017 XXXX XXXX XXXX placed an account for the amount of {$5900.00} on my credit report in violation of the Fair Credit Reporting Act. XXXX XXXX XXXX failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account XXXX XXXX XXXX is attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: FREEDOM FINANCIAL NETWORK
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In XX/XX/XXXX, I joined a debt consolidation program with Freedom Debt Relief ( FDR ). The terms included making monthly payments for 48 months. The funds to pay the enrolled accounts ( i.e. creditors ) were drafted from my personal checking into a dedicated account with XXXX XXXX XXXX ( XXXX ). The contract I signed with FDR stated, " You will, at all times, own and control the Dedicated Account ''. This is not the truth. 

In XX/XX/XXXX, I agreed to a stipulated payment agreement with the court after one of my creditor 's sued me. The funds to pay this judgement were paid through the dedicated account. In XX/XX/XXXX, a lien was place on real property that I was an heir to. Since I had enough funds in this dedicated account, I contacted FDR and requested they expediate full payment to the creditor. The Attorney 's involved, as well as the clerk of court, needed proof the debt was paid in order to remove the lien and satisfy the judgement. A bank statement would have sufficed. After multiple contacts with FDR and XXXX, they both failed to assist me with this matter. FDR referred me to their client dashboard, which shows account balances. XXXX guided me to an account ledger that is in a .csv format ( i.e. XXXX spreadsheet ). Neither any of the Attorney 's, or the clerk of court, would accept this documentation. 

The FDR program, and their contractors ( XXXX XXXX, need to allow access to this dedicated account so that participants of the program can show proof that a creditor was paid. Instead of doing so, participants have to reach out to creditors ( which was advised against in the beginning of the program ) to request payment in full letters on the creditor 's letterhead.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Exeter Finance Corp.
State: IL
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 reviewed a copy of my credit report and I noticed that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and the items listed are the results of someone stealing my identity. The discrepencies that are on my credit report is effecting my personal life in a negative way. This has been a stressful and overwhelming process to get my life back so I am asking for this matter to be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 disputed items off of my credit report due to inaccurate information to both TransUnion and XXXX Neither one of these credit bureaus responded in 30 days, nor did they provide proof of the accurate information. I've sent them 2 letters and no response have been made.

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 2022-03-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I noticed a few accounts on my report I do not recognize

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 2019-05-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019 I went to Wells Fargo to find out why I had no money in the bank as I have twXXXX electronic deposits made at the beginning of the month. My VA XXXX Check and My SSA Check, Upon talking with Banker XXXX XXXX he provided me with a listing of transactions made to my account, On XX/XX/2019 a recurring transfer was made for {$70.00} and a XXXX transfer for {$500.00} and on XX/XX/2019 another XXXX transfer for {$500.00}, upon looking at these statements that XXXX printed out for me there were other transfers made earlier in XXXX, XXXX and XXXX all with overdraft charges. With the printed statements provided to me a total of {$220000.00} was transferred witch caused {$360.00} in overdraft charges being made. I contacted Wells Fargo in XX/XX/2019, that there were unauthorized transfers made to my account. The bank froze my account, my online banking was frozen, they issued me a new account and debit card I had no access to the information as my statements were not mailed to me due to online banking. I contacted the fraud department in XX/XX/2019 and filed a claim as well as XXXX filing a claim in XX/XX/2019. I asked my daughter on XX/XX/XXXX. 2019 to accompany me to the bank to assist me with this issue. She was put on my account to have access to get information from the bank as I am XXXX years old, I cant hear well, cant walk I'm in a wheel chair and it is very difficult to get around. I filed a police report and provided Wells Fargo ( XXXX ) with a copy, the only information I received from them is that since my daughter was added to my account this is when these transfers started which is not true I have been having issues since XXXX, they also claim that I compromised my account, they did not provide my with any other information. The bank sent a social worker out to my house from the adult protection agency to see if there was something happening at home. To date the only information I have received is the denial of any reimbursement from the bank for the above stated reasons.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: CA
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:
account balance amount is incorrect and this account was : 1 ) included in XXXX 2 ) Last date of payment is incorrect. The last date of payment was in 2015.

3 ) Account with balance owed is incorrect - Charge off amount showing $ 15K more than purchased amount 4 ) Past the Fair Reporting Act - seven years reporting limitations re

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom it may concern, Capital One XXXX XXXX XXXX XXXX Capital One is refusing to honor my remittance coupon I mailed in as payment and adjust the balance on my account. I made the payment in accordance to UCC article 13, 15 USC 1602 ( l ) 18 USC 8, UCC 3-603, UCC 3-311 . See attached electronic return receipt.

Company response to consumer: Closed with explanation