BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-21
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: Their investigation did not fix an error on your report

Complaint:
An account with XXXX XXXX XXXX XXXX was placed on my credit file on XX/XX/XXXX and its been on my file for 7 years. I requested for this item to be removed from my credit file on XX/XX/XXXX. And I received an alert from Experian on XX/XX/XXXX stating that the account will remain on my credit file. According to the Fair Credit Act Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.

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 2020-05-12
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Opened a checking account on XX/XX/2020 through TCF Bank online. XX/XX/2020 I deposited a cashiers check for {$14000.00} at my local TCF branch. The branch manager also opened a savings account and transferred {$100.00} from check into new savings account and provided me with a atm/debit card. I was told my check would have a 2 day hold placed on it. On XX/XX/2020 I sent email via tcf mobile banking app to inquire when my funds would be available and received a responded shortly after on sat XX/XX/XXXX. That Sunday the XXXX  I attempted to use debit card and it was declined. After multiple attempts to call customer service and ask what is going on I received an email via app banking status g my account was closed. Between tcf customer service and branch manager I have only been told my account was closed on the XXXX. I have received email and mail regarding my account or memebership still after the XXXX. I was not told why my account was closed nor have I received my funds of a total of {$13000.00} and have not been told how long until I receive them or when they will be mailed out by tcf. I have copies of email communication between myself and TCF, deposit slip, etc ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
PLEASE READ THE REASON FOR MY COMPLAINT* 1. Date Open is inaccurate - Company is reporting different dates on different credit bureaus. 

2. Company is RE-AGING THE ACCOUNT!!!!!! 
- Attached is a copy of XXXX on my credit reports this year on each report there is a different date. The last report they RE-Aged the account 2YEARS!!!!!! 

FCRA Violation!!!!! 


3. Company has not verified the account!! 
- No documentation has been provided with accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo offered to us, and many other families in Florida, a Disaster Relief Program after Hurricane Irma. My husband was the first one to take the call. They offered three months payment-free - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - as a courtesy for those dealing with the aftermath of the hurricane. When my husband specifically asked how that amount would be repaid, the representative told him they werent sure at that point, but it would definitely NOT affect our credit. When we called at the beginning of the year to resume payments, they told us our Disaster Relief went through the middle of XX/XX/XXXX and we were resume payments at that time. Since then, we have paid every month, despite no access to the online payment portal. We have to call our Disaster Relief representative to make the payment, but she is never available and when messages are left, she rarely returns them. Apparently, the amount relieved during the Disaster Relief Period is being placed into a loan that will need to be repaid, which is fine. But I only know that because we considered refinancing in order to take advantage of our better credit at that time and we had to use the myloantracker system to manage the process. That refinance loan was dropped unexpectedly and without any communication from Wells Fargo. We had to seek them out for a reason and when we finally got the answer, it was because It wasnt fiscally reasonable for them at that time. Back to the Disaster Relief, the myloantracker system hasnt been updated and there is no communication from our representative. I tried to fax, share, and email a document I needed to submit, and sent several emails to our representative asking if she had received it with XXXX reply. This makes us very anxious. I finally was able to upload it to myloantracker when I hadnt been able to do that before. With NO COMMUNICATION from Wells Fargo, we have no idea what is happening with our house or mortgage. Our worry is that we will go into default and we desperately dont want that to happen as we have XXXX small children. A search of Wells Fargo Disaster Relief Complaints will uncover many people who were told the same things and are going through the same 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 2022-10-04
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. These accounts has been reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Have been trying to unlock my Equifax account. No problems whatsoever with either XXXX or XXXX. My Equifax account is locked and the call center employees have been unable to resolve the issue. First issue was a bit of a language barrier issue as the call center employee did not have a strong grasp of American based english. More important issue is that after faxing my highly sensitive and personal information as directed and told to wait up to 2 weeks for a response, nothing has happened. I am trying to get a mortgage and the freeze has made me unable to access a mortgage. The wait is outrageous and I need help simply getting access to my account. I can not afford another blind fax and waiting 2 weeks. Who faxes things anymore anyway? Just outrageously poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$1800.00}, {$9000.00}, {$270.00}, {$1300.00}, {$900.00}, {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -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 2018-06-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This bank is engaging in unethical and misleading business practices. Providing the information they provided in response to my initial complaint is AFTER the fact. First of all, it took DAYS to get any sort of response regarding where my money was. By that time, I had decided to no longer do business with them and transferred the money back to my original account with another bank. At that time, I discovered that I was charged a FEE of {$3.00} to transfer MY MONEY ... which left me with a NEGATIVE balance. So I immediately transferred {$10.00} in to cover that. Which brought me to a {$7.00} balance. They will not allow me to close the account unless the balance is {$0.00} and they will only do transfers of a minimum of {$10.00}. Their nearest branch is over an hour away from my residence. As far as I'm concerned, they can keep the {$7.00}. I do not want to do business with them at all, ever again. Meanwhile ... I see now ... again, after the fact, that they will charge me a monthly service fee for this account. Something I was not aware of prior to opening the account. Again ... all I want is to close the account and be done with them and not have to drive two hours to do it. They can have the {$7.00}. Is that really all that unreasonable a request?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX - I contacted M & T Bank ( XXXX NY ) to close out a CD ( {$25000.00} ) account. They could not find a record of the account. Account was originally with XXXX XXXX  ( XXXX, MD ). XXXX Bank folded in the financial crisis and their bank assets were sold to M & T Bank in XX/XX/XXXX. M & T Bank said they would " research the CD and  contact us with results ''. They gave us no point of contact or any identification number/name for who could be contacted about that action. We heard nothing for over a month. 
XX/XX/XXXX - I mailed a certified letter to M & T Bank asking them to give us a point of contact or other information so we could be kept informed of progress. A copy of the CD was included with the letter. I received no response to that letter. 
XX/XX/XXXX - Having heard nothing, I called M & T Bank Customer Service to find out the status of the CD search. I talked to several people ( who checked with their supervisors ). They had no record of the certified letter I sent ( I have the USPS receipt that M & T Bank signed on delivery ). They did not know anything about the CD or what was being done about it. The phone call ended with no explanation of what could be done next to find out what, if anything, is being done to find the letter or otherwise resolve this problem. A copy of the letter to the bank is attached.

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 2020-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I was notified that our bank account had insufficient funds. After checking online, I realized that a check I had made out to our Water Department for the amount {$31.00} was fraudulently changed and made out to an individual named XXXX XXXX in the amount {$5400.00}. I told the bank I do not know a XXXX XXXX. 
I also told the bank that I had the duplicate copy of the check. 

I have yet to hear from the Bank of America. I have called numerous times for updates and each person I speak to they say it is under investigation. 
The bank will not allow us access to our money and we are unable to pay our bills. 
Some of our creditors have started to assign fees to our accounts and are showing payments as being late even though I have notified them of the situation.

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 2018-04-21
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
New mortgage company we have, Freedom Mortgage, took over mortgage on XX/XX/XXXX. They said we need flood insurance even though our neighborhood is elevated and built on sill. Was told to get flood insurance in 45 days or they would buy it for me from their own insurance company -- and promised it would be expensive. They also said they would not accept an elevation certificate, but a LOMA from FEMA which can take over a year to get. The Flood Plain manager for my city said that is ridiculous -- LOMAs are based on the elevation certificate. There is no way to get a LOMA in 45 days.

I bought flood insurance in the meantime. Thought that would be the end of it. It takes 30 days for flood insurance to be active. I get another letter on XX/XX/XXXX that reads, and I quote : " We will charge you for insurance we plan to buy for XX/XX/XXXX to XX/XX/XXXX '' and that the insurance they buy " will cost an estimated {$570.00}, which may be significantly more expensive than insurance you can buy yourself ''.

HOW can you buy insurance retroactively??? When I asked my flood insurance company if I could buy insurance for months already passed, they told me it was illegal.

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 2018-04-21
Company: Healthcare Collections-I, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing a account on my credit report from Healthcare Collections LLC. On XX/XX/2018 i sent a letter to HealthCare Collections LLC certified mail disputing this account as not mine. I asked for validation of this account to include the original contract with my signature and identification and address. i never received a response from HealthCare Collections LLC within 30 days.They are still reporting the account to my credit report as accurate which is a violation Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Once your letter is received, the collection agency must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. I want this account removed from my credit report for failure to to properly send validation of this debt.

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 2018-12-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hard Inquiry fraudulently made on XX/XX/2018 by unkown subject on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$1800.00}, {$9000.00}, {$270.00}, {$1300.00}, {$900.00}, {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

-- AUTO ACCOUNTS 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Overdraft fees and can not withdraw in advance

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 2018-04-21
Company: Experian Information Solutions Inc.
State: NV
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 been disputing a account on my credit report from XXXX with Experian Credit Reporting Agency. XX/XX/XXXX XXXX i sent a letter to Experian Credit Reporting Agency certified and XXXX certified mail disputing this account as not mine. I asked for validation of this account to include the original contract with my signature and identification and address. This account is reporting negative with a XXXX balance. How can a account report negative with a XXXX balance? .They are still reporting the account to my credit report as accurate which is a violation Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Once your letter is received, the collection agency must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. I want this account removed from my credit report for failure to to properly send validation of this debt.

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 2019-03-07
Company: WELLS FARGO & COMPANY
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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:
XX/XX/XXXX Wells Fargo ATTN : Wells Fargo Credit Dispute Department Fax XXXX To Whom it May Concern : Attached please find information regarding Wells Fargos errors, and failure to remove negative reporting information to all credit bureau reporting agencies. 
This has been an ongoing issue, and Wells Fargo agreed to rectify their errors in regards to my account Full names : XXXX XXXX XXXX XXXX XXXX XXXX Full account # XXXX ss # XXXX XXXX XXXX. - XXXX DOB XXXX XXXX XXXX - XX/XX/XXXX Mailing address : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC. XXXX Phone # s XXXX XXXX XXXX - XXXX Respectfully, XXXX 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