BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-03
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 information incorrect

Complaint:
On XX/XX/2019 I experienced hardship due to the government shut down that had taken place. I called into XXXX XXXX and spoke with a Representative who advised he was not able to assist me. When logging in to make my monthly payment the option for a payment arrangement was offered. At NO point did it mention by signing up with this payment plan I would be reported late to the credit bureaus. I received Multiple 30 day lateness on my credit report. For the month of XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Dear Sir or Madam, We went to florida on XX/XX/2018 for a visit to our family, we rented a car with XXXX car rental XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX. we go to fl every year at least 4/5 times a year, and because of that we have our XXXX ( to pay for the tolls ) when we arrived to pick up the car, we told XXXX that we have our own XXXX, that we don't require their service, so they said ok, you have to sign and decline acknowledgement, so we did, because we had our own, so we register the car with our XXXX, and we paid all our tolls during our trip to Florida. We returned that car and all was good. when we got back home, we call XXXX because, the deposit of {$250.00} was not there, and it was already more than 4 weeks, so they said, sorry we will give you your money back in a few days. Sorry for the delay, but they only give us {$74.00} out of the {$250.00} because they said that they collected {$170.00} for tolls service?? I told them that's I mistake Sr. we agree that we were going to use our own XXXX and we declined yours, and we paid for all our tolls, i have the proof that we did, but they did not care they said too bad we charging you and we are not giving you the money back. So I put i dispute with citi card, and they are not able to fix this, i submitted all the proof, XXXX statement proving that I paid all the tolls, proof of declining the XXXX with them, and still they can give me my money back. they are a scam, ( XXXX ) everyone is complaining about them but nobody is doing anything about this. Please help. Thanks, 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 monetary relief
Consumer complaint received 2018-08-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2018, {$180000.00}, Seems the settlement company 's email system is hacked. A fraud person send the wire transfer information, trying to get the settlement fund other account. Below is the fraud bank information : WELLSFARGO BANK, N.A. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX ABA # XXXX XXXX XXXX CREDIT TO : XXXX XXXX XXXX XXXX XXXX XXXX   ACCOUNT # XXXX 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
Consumer complaint received 2019-09-03
Company: Experian Information Solutions Inc.
State: TX
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:
This is my 3rd time attempting to have XXXX, Experian, and XXXX remove these accounts from my consumer reports. They refused. I've filed police reports, FTC reports, and other things to have them removed.

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 2019-09-03
Company: EQUIFAX, INC.
State: TX
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:
This is my 3rd time attempting to have Equifax, XXXX, and XXXX  remove these accounts from my consumer reports. They refused. I've filed police reports, FTC reports, and other things to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Experian Information Solutions 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 information incorrect

Complaint:
On XX/XX/2019 I experienced hardship due to the government shut down that had taken place. I called into XXXX XXXX and spoke with a Representative who advised he was not able to assist me. When logging in to make my monthly payment the option for a payment arrangement was offered. At NO point did it mention by signing up with this payment plan I would be reported late to the credit bureaus. I received Multiple 30 day lateness on my credit report. For the month of XXXX, XXXX and 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 2018-12-04
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/18 I submitted a payment from my account for my mortgage to XXXX XXXX XXXX. Today looking at my bank statement XXXX XXXX double charged my account, causing an overdraft, although I submitted payment once. 
I contacted XXXX XXXX, and they denied this occurred.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: EQUIFAX, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a fraudulent inquiry on my report from XXXX XXXX. Each bureau was sent a deletion letter on XX/XX/XXXX from XXXX, who had already identified it as fraudulent. 

To this date, the inquiry remains on my report and it is affecting my ability to refinance my house. 

I have tried disputing the information with XXXX but they don't have a mechanism to do this online or over the phone, and won't provide any information. 

My XXXX online account has been compromised - despite having a secure password, the email address was somehow changed on my account without my knowledge, and any username/password requests go to a different email and there is no mechanism to disable the account or create a new one. And there is no way to talk to a customer service human on the phone. 

Equifax does not allow you to upload any supporting documentation for an inquiry, so they immediately close a dispute without any resolution despite receiving a deletion letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Experian Information Solutions Inc.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a fraudulent inquiry on my report from XXXX XXXX. Each bureau was sent a deletion letter on XX/XX/XXXX from XXXX, who had already identified it as fraudulent. 

To this date, the inquiry remains on my report and it is affecting my ability to refinance my house. 

I have tried disputing the information with XXXX but they don't have a mechanism to do this online or over the phone, and won't provide any information. 

My Experian online account has been compromised - despite having a secure password, the email address was somehow changed on my account without my knowledge, and any username/password requests go to a different email and there is no mechanism to disable the account or create a new one. And there is no way to talk to a customer service human on the phone. 

XXXX  does not allow you to upload any supporting documentation for an inquiry, so they immediately close a dispute without any resolution despite receiving a deletion letter.

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 2018-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Capital One us involved in a dispute with my employer. As a result, as of XX/XX/XXXX, they have been retaliating against employees such as myself, by preventing us from accessing the bank 's website for any purpose whatsoever -- including online banking. The computer which my employer issues me is my primary device and it is permanently connected to my office network, which means that constructively, I am perpetually blocked from accessing online banking. 

Capital One is blocking users such as myself from accessing online banking for wholly inappropriate, completely unrelated reasons unrelated to my activity as a customer. Furthermore, because their mobile application is not functionally equal to their online banking portal, they have given me no equivalent recourse. 

Through my employer, I have raised this issue directly with senior management at Capital One ( VP Enterprise Digital Products, and Sr Digital Product Management ), and my employer has specifically guaranteed that only employee-customer traffic will be sent to their office. Nowhere in Capital One 's online banking agreement is this condition imposed in order for me, a private customer, to access my account. However, Capital One has not accepted these terms and continues to block employees such as myself, who are also customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Rocket Mortgage, LLC
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Quicken loans was working with me in a home loan for over 6 months. People working with me in quicken loans where Mr XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ), and the person of claims. This company should be investigated. They gatter all my paperwork needed, XXXX, birth certificated of my kids, bank account information with statements, we did a VA amendment to purchase contract along with the home owners XXXX XXXX and XXXX XXXX. Pest inspection was done by XXXX XXXX, Appraisal was done by a real state and va aprraiser name XXXX. I was approved by underwriting of quicken loan ( XXXX XXXX ) .Quicken loans ask me for XXXX dollars deposit that it will be included in my va home loan. The office of attorney XXXX XXXX, Tel # XXXX ( XXXX ) attorney of home owners XXXX XXXX and XXXX XXXX local pastors. Attorney office contact me because they have all the paperwork ready given by quicken loans for closing in the home, attorney give me a date for closing for XX/XX/2018 @ XXXX XXXX. The same day of the closing on the home ms XXXX XXXX call me and told me that they run my paperwork through va underwriting and they cancel the loan. I call mr XXXX XXXX after i spoke with XXXX XXXX and he said that everything was ready for closing but there was a change in the money that I have to bring the closing date. I inform what i spoke with ms XXXX and he said that to his understanding everything was good and he will speak to XXXX XXXX. Then I call XXXX and she said there is nothing that she can do. That was an Va underwriting decision, because they see me as a risk. I ask for my money back of XXXX dollars and claims told me ; they can not give me the money because the XXXX dollars exceed the money they spend. I read reviews of the web about quicken loans and some people where ask for the deposit of XXXX dollars and they never received the money back. Please i want my money back, and please investigate quicken loans. They are giving people false information. They need to paid me back the deposit of XXXX dollars and shred all my paperwork along with birth certificates and bank accounts that they have. Scam watch. Sincerely Us XXXX Veteran.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was charged excessive fees by TD bank for the following dates and amounts : Tuesday, XX/XX/XXXX, in the amount of XXXX dollars, Monday XX/XX/XXXX, in the amount of XXXX dollars, Tuesday, XX/XX/XXXX, in the amount of XXXX dollars and Tuesday, XX/XX/XXXX in the amount of XXXX dollars. This is XXXX dollars in total for over draft fees. I attempted to reach out to a branch employee but When i attempted to go inside he branch, I was advised that they were closed, although there was 20 minutes still left until closing. May you please assist?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-22
Company: Jim Bottin Enterprises, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have a letter from my insurance company from XX/XX/2018 which states that I am medically XXXX  which prohibits me to use the gym facilities. I called on XX/XX/18 to cancel my membership and the rude managers, XXXX and XXXX said that other people use our facilities that have XXXX , so we could freeze your account if youd like. They wanted a note from a doctor that states my personal medical condition and I am not comfortable giving them that sensitive information. My insurance company works in conjunction with all of my physicians so why isnt the letter from my insurance who got the information from my physicians enough to cancel my membership?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2010 my grandmother, XXXX XXXX passed away. I was told that all grandchildren are on her inheritance trust. After she passed away the trustee told me I was not on the trust. I requested the trust document several times. No one has produced the trust document or any information concerning the trust. I contacted the trustees bank and was given the run around as well as contradicting information. The trustee, XXXX XXXX XXXX would of had to forge my signature to reopen or distribute the money goods. I never was notified or signed any papers concerning the trust. I found out that XXXX passed by noticing antique furniture in a siblings townhouse. I was left out of a trust approxite value of XX/XX/2010, XXXX XXXX plus investments. Could you investigate the trustees bank and trust account? 5th and 3rd Bank is the trustees personal bank and possible active trust account. The beneficiaries and trustee refuse to answer any of my questions or request. Please help with this issue. I looking for an attorney, but have to reach out to attorneys in Illinois and it's hard to do this with confidence. My contact number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: MIDFIRST BANK
State: MS
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I was promised a disaster assistance program for 3 or 4 months. My concern when I received the letter for the assistance which was over {$6000.00} to pay by XX/XX/XXXX. 
I called XXXX XXXX two times regarding the amount and I was told to apply in XX/XX/XXXX for mortgage assistance. However, after receiving letters of promise for mortgage assistance, when I applied it took 2 months to get back to me after the application due to documents needed to be sent in. I also received a letter stating I did not have to fill out an application to receive mortgage assistance. Well as time came near XXXX XXXX was not truthful to me about the mortgage assistance and I am about to lose my home to foreclosure due to an excessive amount of over {$9500.00} I can not afford unless I pay in chucks of payments. The company defaulted and mislead me when I was given the time for forbearance of my loan for those 3 to 4 months. Now, they stated I do not make enough to qualify and will not send the information to VA and I am looking at foreclosure. Not sure of the date as of yet. I have items on my credit report in dispute and they added those items in for liability. My family is looking to be homeless. I am employed but they stated I have negative income and they will not allow VA to obtain a waiver for me to modify due to one modification 2 years ago. VA is willing to submit the waiver paperwork but XXXX XXXX said they will not send it to them. I in need of help.

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 2020-06-30
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$10000.00} XXXX   XXXX {$530.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My husband and I applied for a loan with a local bank, and they need to pull our credit reports from TransUnion. After the XXXX data breach, I had frozen both of our credit reports with all three major credit bureaus. On Friday, XX/XX/2018 I logged on to TransUnion for both my husband and myself and temporarily lifted the credit freezes until XX/XX/2018. Both he and I received receipts from TransUnion indicating the temporary lift was in place. On XX/XX/XXXX the bank called to say they could not get access to either of our credit reports. I logged onto both our accounts and saw that my husband had no active lift in place, but I did. I placed a lift on his account until XX/XX/XXXX. On XX/XX/XXXX the bank called to say that they again could not access our credit reports. I called TransUnion on XX/XX/XXXX to find out what was happening. After several hours of fruitless navigation of their web site, I finally was able to talk to an actual person, who took information about my account, put me on hold to check the account, and then completely disappeared. I called again, waded through their convoluted phone tree, and finally talked to a person who was able to check our accounts. He indicated that there was an active lift in place for both accounts, and he had no explanation for why the bank could not access our credit reports, nor did he seem interested in helping us. The only advice he offered was that the bank should try again, and if not successful should contact their " local marketing department. '' He was unable to explain who or what this organization was. I relayed this information to the bank and this morning XX/XX/XXXX the bank called to say with the help of the company they use to interact with TransUnion they were able to get my husband 's report but not mine. I logged onto my account yet again only to find that there was no active lift in place. I again put a lift in place for my credit freeze, and am waiting to see if the bank can access my report. Since these credit reporting agencies amass out personal financial information without permission and apparently any accountability to the consumer, they should at least be required to provide a minimum of customer service to make it easier for the consumer to control when access to this information is permitted.

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 2018-08-22
Company: HYUNDAI CAPITAL AMERICA
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: Old information reappears or never goes away

Complaint:
I have 2 hard inquiries on my credit report for ths same exact date, for the same exact purpose. XX/XX/2016 I started an automobile lease through XXXX XXXX XXXX XXXX. Information on them below : Institution Information XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The dealer also ran my credit and this caused the second hard credit inquiry on the same date of XX/XX/2016 Institution Information XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX I was under the impression you should only be assigned one inquiry for the same exact financial purchase / obligation. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: EQUIFAX, 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 have never visited hospital in that period. that's why I am asking about re-investigation these account and remove that from credit report. I do not account number but I uploaded page from credit report where you can see accounts.

Company response to consumer: Closed with explanation