BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-20
Company: M&T BANK CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am enclosing XX/XX/2019 dated fax from M & T Bank regarding instructions to wire Payoff to the Closing Attorney. This fax from M & T Bank " clearly states '' that wire transfers received in our office no later than XXXX EST to be processed the same day. 
The payoff amount wired was received on XX/XX/2019 and it should have reflected " Paid in Full '' no later than XX/XX/2019 and " NOT '' XX/XX/2019. 
M & T bank fraudulently started Foreclosure proceedings on reference subject complaint on XX/XX/2019 when they actually " had full payoff amount '' of the subject mortgage, and their excuses are nonsensical as to why the payment wasn't posted on XX/XX/2019 when in fact they did not post payment ASAP. 
In addition, M & T bank has " NOT '' given within Sixty ( 60 ) days of payment of payoff received to XXXX County, GA Superior court a Satisfaction of Paid in Full to Release Security Deed as required by Georgia State Laws. I have sent a certified letter to M & T Bank requesting Liquidated Damages per Georgia Law.

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 2023-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have notified Capital One Auto Finance on several occasions about a fraudulent account that was not set up/established by me. I'm truly a victim of identity theft as well as true name fraud. I do have the perpetrator that established this account using my information without my knowledge nor my consent. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Capital One Auto Finance account number:XXXX, with a fraudulent balance of {$15000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
: From XXXX I asked three credit bureaus XXXX, TransUnion, XXXX to update my balances with all of my credit cards along with payment history. They wont update them. XXXX is a closed paid off account. All three bureaus have my owing money. My loan from XXXX XXXX need to be updated with the balance being only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Need to be updated on the balance. 


Remove negative activity from all credit cards and loans and update the credit 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 non-monetary relief
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-07-20
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, I filed this compliant : " Hi, On XX/XX/XXXX, Suntrust bank locked my personal checking account. On that same day, I went in to a branch to inquire about why my account was locked. They would not give me a reason other than Suntrust was choosing not to do business with me anymore, and that I would receive a refund check for the account balance within 7 to 10 business days. The account balance at the time of lock/closure was {$150000.00}. 10 business days came and went and I did not get a refund check. I called suntrust and was now being told that they intended to hold my money for an un-determined amount of time. They would not tell me why they are holding my money, or when they would release my money. I offered to give them any information they needed for the activity in my account, ( invoices for ach payments, transfers, etc ) they would not accept any of this information. I have periodically called suntrust every few months and each time I get the same info that my account refund is " on hold '' with no determined release date. To date, they have sent me no written communication explaining or acknowledging that they have held my money. The only information I have received from them is over telephone calls I have initiated. IT HAS BEEN 11 MONTHS!!!! and they still have not returned my money. At this point I feel as though they have stolen my money, and I am considering hiring a lawyer to fight them. Please help! '' Today, I received a response from the company that I have attached to this complaint. They say that my checking account is currently involved in arbitration, and as a result they are unable to respond. ( please see attachment ) I have also attached the full arbitration filing for your review. You will see that it DOES NOT involve my checking account in any way, shape, or form. The arbitration filing is solely related to a Suntrust Credit card account. 

Secondly, even if my checking account was involved in arbitration with Suntrust, that does not prevent them from responding to my complaint. That is merely an excuse they are using to not have to answer for why they have held my money for 12 months now! 

Furthermore, that excuse is an outright, fraudulent lie as my checking account is not involved in the arbitration. Someone must hold them accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents 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 non-monetary relief
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I FOUND ACCOUNTS ON MY CREDIT REPORT THAT DID NOT BELONG TO ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09
Company: PENTAGON FEDERAL CREDIT UNION
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I happened to look over my credit report, and received a report from each credit bureaus stating I owe PenFed. Acct # XXXX. It states the account was charge off, but I never received a 1099c from PenFed. I been trying to get a XXXX099c from them to insure the account they accusing me of is charge off.

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 2021-03-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
-Hello I keep disputing with XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  inaccurate information reported to my credit reporting. Date of last payment, date of last active and account status is incorrect. Open date is also incorrect. 

-Wellsfargo -Brands XXXX 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 2021-12-02
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I called to close my account with TD Bank on XX/XX/2021. Im going to be charged fees for not having funds in the account. I transferred the funds so I can close the account. 

They will not close my account and I dont want to be charged fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-04
Company: Credit Corp Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I filed a complaint against this company for harassment of my daughter on her cell phone and the company used that opportunity and the CFPB response system inn order to attempt to verify this debt instead of using proper practices to do so. Using the complaint system as a way to verify possible debts with consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
Attempted to obtain my free credit report via equifax and was asked several questions that " did not '' pertain to me. I have never taken out a mortgage loan and my revolving account was from XXXX nor have I ever taken out a car loan or lease! I verified my two most recent addresses and feel that the mail request for my personal and confidential information is a bit over the top! I have provided a copy of the documentation requested by Equifax. Again, I was denied online access because the questions asked were not at ALL pertained to my person! They are asking for my SSN, pay stub with SSN, W2 form, lease agreement and other things that are just too personal and confidential to send to this company. I accessed the other two reporting agencies with questions that were pertinent to me. 

XXXX is showing my account to be potentially negative with a hx of never late, PIF and closing of account ... .I filed a dispute and also there are multiple addresses listed for me that I have never lived!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: MoneyLion Inc.
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:
XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states.I have the right to privacy 15 USC 1681 section 6 o 4 a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2018-05-15
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge fraudulent accounts on my Experian credit report. FTC ID Theft Report # 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 2020-07-20
Company: JPMORGAN CHASE & CO.
State: MA
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 held different credits cards from chase at different times and always paid my debt in full. In XXXX, I requested for my account to be closed and paid off my balance on the last account I held with Chase. 
In XXXX, I discovered that a negative report was placed on my credit score. I disputed this with XXXX  and called Chase to find out why  there was a negative report on my account. I got a run around from, purchasing some items while in Carlifonia in XXXX of XXXX or XX/XX/XXXX. I denied ever stepping foot in Carlifonia or making any purchases with a chase card credit card in over 2 years. This charge was ascribed to the different cards I had used and closed. I pointed this out to the representative and even him the last chase credit card number I held. I requested for a copy of the statement showing what was charged in my account as I had closed all my chase cards, but Chase declined to give me a copy of the statement. 
It is for this reason that I am making a complaint against Chase for the wrongful negative report as there was a charge after I paid up my account. I do not owe Chase Credit any amount and wish the negative report lifted from my account as it is erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Experian Information Solutions Inc.
State: IN
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian ( CRA ) is continuing to report these inaccurate addresses and names on my credit report after I have disputed these addresses and names numerous times. I have sent them a copy of my driving license and bank statement with my current address and full name as it appears on my driving licenses. I just recently disputed this same information numerous times on XX/XX/2020 and XXXX of this year and they continue to report the inaccurate information and it's a false representation of me.They are setting me up for possible identity theft. I have also disputed this information with the grantor of the information and they have corrected it, but Experian is still reported the inaccurate information on my credit 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 2023-08-19
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Several of my credit cards, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Wells Fargo XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, have been closed due to fraudulent charges made through my Wells Fargo bank account. Unfortunately, I have not received any reimbursement for these unauthorized charges. Despite my attempts to dispute the fraudulent charges with Wells Fargo 's customer service fraud department, they informed me that the number of charges was too high to handle individually. In response to this situation, I have submitted a police report to document the fraudulent activity to Wells Fargo.. 

The fraudulent activities were ongoing from XXXX to XXXX, causing Wells Fargo to ultimately close my account due to the numerous fraud charges. Consequently, my credit card payments were returned, even though I had made all payments on time during the returned payments. As a result, my credit report has been negatively impacted by this ordeal.

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 2018-10-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On my XXXX report I have 11 Hard Inquires including the XXXX credit cards still open from HSBC bank, but not used because it is transferred to my new HSBC credit card. Also, those XXXX cards are still there when I check my bank account statement. Additionally, all those 11 hard inquires is because of fraud. Please, if there is any way to delete or clear the 11 Hard Inquires on my credit report when it was based on fraud claims through the years. Transactions that I did not make causing my credit to be very low and can not apply for other credit cards or increase my limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 paid off balance on Capital One credit card and afterwards was charged additional interest charge. I called to verify payoff amount thru automated phone service but Unbeknown to me I needed to call and SPEAK to a live Person to get my payoff. If this was disclosed, I would have done that. 
This is not disclosed on my monthly statement and I feel this is very shady behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On a continued basis, America First Credit Union seems to place roadblocks making it extremely difficult, if not impossible to make payments to them in a timely manner. One would think that a creditor would do whatever possible to make things easier for consumers to make their payments but throughout our dealings with them theyve made it more and more difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX Account Number : XXXX : is {$220.00} XXXX XXXX XXXX Account Number : XXXX. 
XXXX  : is {$1900.00} XXXX XXXX XXXX Account Number : XXXX. 
XXXX  : {$4400.00} XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an existing loan with quicken loans .loan number XXXX. I just looked at my XX/XX/2020 statement and noticed they are charging me XXXX for a payoff request. Firstly this request was not done by me. Secondly they did not notify me of this request. I have been with the same mortgage broker for 20 years and apparently she is always looking to save me money and refinance my loan. Apparently she made the payoff request without my knowledge and has never in her 25 years of practise ever seen a customer having to pay the money as part of a loan payment usually its paid during the close of the loan or payoff. When I tried to call quicken loans I got no where and when I tried to call corporate I got put on hold for over 30 minutes. I do not believe I should have to pay the XXXX dollars and they way they are attempting to collect this debt is beyond my comprehension without my knowledge. Attached is my XXXX statement showing this money which I want removed from my debt obligations.

Company response to consumer: Closed with explanation