BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX, and XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. to this day 90 days later. I have not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored and not taken seriously. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report i has been 30 days so these items should be deleted. Ive been patient and Ive sent multiple letters giving them time to respond.I demand these accounts be deleted immediately or I will file for litigation due to the stress I have been caused. Also, my information was also impacted by the Eqifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
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:
SOMEONE STOLE MY ID ALONG WITH MY SOCIAL AND OTHER PERSONAL INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME. I HAVE INCLUDED MY POLICE REPORT AND ID THEFT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I have a checking account and credit card from Citizen 's Bank. I had to unfortunately close my account because I am moving and this bank is not in my new area. I informed the bank that I want to close my account and paid literally hundreds of dollars in overdraft fees and other optional fees to the bank. I found out that later on that the fees continued even after I asked for my account to close. I had to pay another {$270.00} or so in fees to this bank again. 

In these times, banks such as Citizens Bank shouldn't double dip and charge a {$37.00} fee and then a {$30.00} fee because those fees literally allow them to charge me more!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Bank of America provides statements which make it impossible to understand how funds are actually being applied. What the statement says is simply not correct. Not unless you understand the transaction reversals, reasons for unapplied funds, etc. There is no reason it needs to be this complicated. 

Please review the Payment Posted amounts. They do not reflect the actual amount paid. They reflect the amount that is required to pay in full. 

Please see the XXXX statement and the Transaction Activity section. Why are transactions reversed and why is there unapplied funds. 

Please look at the principal paid amount for each statement. The amount for the XXXX statement is not correct. The only way to make it correct is if you can understand their accounting.

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 2021-02-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have the XXXX XXXX card issued by TD Bank. I had an expiring deferred interest plan expiring on XX/XX/XXXX for {$120.00}. I made a payment in this amount exactly on {$120.00} to avoid deferred interest. TD did not apply this payment to the plan and instead applied across my balances. I tried multiple times to call them and their hold times were extended due to COVID. I finally spoke to an agent on XX/XX/XXXX and she told me she was not able to resolve the problem and redirect the payment because it had been more than 60 days since the payment was made. 

This is a billing error and TD should be able to resolve this regardless of when i notify them. Terrible service

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-05
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:
To XXXX Consumer Relations According to my recent credit report request from Experian.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & EXPERIAN VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Experian XXXX XXXX Account Number XXXX XXXX XXXX Account Type Mortgage Account Mortgage Account Mortgage Account Account Status Closed Closed Closed THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is an overpayment from VA which I have tried to stop on several occasions. This is not a loan. This should not be on my credit report as closed. I am currently paying XXXX XXXX month on. It's on my Transunion report. Thank 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 explanation
Consumer complaint received 2021-02-24
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account at TD Bank. This is in MA. Yesterday morning everything was fine. Last night I could not access the account online. It just basically acts like no account exists. I called multiple times today, and no one could tell me what was happening. There is {$1100.00} in the account and it isn't showing up online and no one can help me. I don't have access to the money and I have no idea how to get the money or what is going on, or why it was closed ( the last person I talked to said it showed as closed ). I haven't done anything wrong with the money or account and there is {$1100.00} in there they are holding from me without any update as to what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
Synchrony Bank XXXX only allows the following ways to make payments, by mail or by phone. When mailing in payment by USPS, it seems that the payments are not received to well over the payment due date. This could be due to the lack of response from their mail department or the payment processing center, as many other checks that I mail out for other vendors are received on time. They also do not allow a grace period for mailed payments. Thus causing payments that are sent well before the due date to accrue late fees. 

The big issue is however, how they display their late fees to the consumer. On the statements, since its a fixed monthly payment, the payment due still shows the fixed payment ( for example {$99.00} ), and the Fees & Charges on the statement show {$0.00}. However, the late fee is actually rolled into the principal and not shown as a Fee & Charge. This is easily looked over and missed. Thus causing the principal to go up and interest to accrue. Even though the payments still stay fixed at {$99.00}, I was told by one customer service rep that consumers do miss this a lot and that it was good that I caught it early, as most consumers are hit with a HIGH balloon payment at the end of the loan period. ( All accrued late fees & interest ) To me this is a very conniving towards the consumer, as the consumer does n't notice it and continues to pay their fixed payment without noticing that they are accruing late fees when mailing in payments.

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 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
I became unemployed due to the COVID Pandemic since XX/XX/XXXX thru XX/XX/XXXX. Due that, on XX/XX/XXXX I completed the request of a Moratorium for my FHA Mortgage for the time period XX/XX/XXXX to XX/XX/XXXX with the XXXX XXXX. During that time period, the XXXX XXXX became to be part of XXXXXX/XX/XXXX. When I started to work again I want to know about my Mortgage Moratory status, and XXXXXX/XX/XXXXnotified me that although if I qualified for it, XXXX XXXX did not complete the approval process of my case. ( I sent a letter making a claim to XX/XX/XXXX on XX/XX/XXXX. ) XXXX XX/XX/XXXXdid not want to accept the moratorium submitted under the XXXX XXXX and reported the my account as overdue without first contacting us to explain the situation that was happening. The bank sent me a letter indicating that my mortgage was on due since three months. Due that my credit score as well as the credit score of the account co-debtor was affected by this mistake made by the bank. 
After that I made the payment requested by XXXX XX/XX/XXXX for the three months ( Paid on XX/XX/XXXX XXXX, and I asked XX/XX/XXXXto correct the mark on the credit that XXXX gave me since it was not my fault. XXXX XX/XX/XXXXdid not want to remove the mark made on the credit saying that this mark should be removed by XXXX XXXX, however XXXX XXXX does not have a mortgage area since became part of XXXXXX/XX/XXXX. 
Then, as per XXXXXX/XX/XXXX XXXX XXXX XXXX letter XXXX, the Credit Agency are whose have to delete the mark to the credit, since on its system the mentioned mark does not appear. 
During the process, a total of two ( 2 ) letters ( on XX/XX/XXXX, and XX/XX/XXXX ) were sent to the Disputes area of credit agency TransUnion asking to delete the credit mark made by XXXX XXXX and TransUnion indicates that the mark to the credit should be deleted by the mortgage area of XXXX XXXX XXXX Which does not exist ). 
I need my credit score as well as that of the co-debtor to be corrected.

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 2020-01-31
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home refinance with Wells Fargo and received my Loan Estimate on XX/XX/2020. I had a phone conversation about the details with the loan officer and it was communicated that my credit score was low which impacted my interest rate. I understand this and the affects of the credit score on interest rates. I asked for a copy of the credit report that was used to determine the rate associated with the offer of extension of credit. I was told that I am not able to get a copy of the report that the lender used. I was verbally told the 3 credit scores used by the lender but did not get anything in writing. Again when I requested over the phone I was told no. From my understanding, section 609 Disclosures to Consumer - 609 ( g ) the lender is required to disclose the credit scores upon request along with factors affecting that score. In addition subsection 609 ( g ) ( 1 ) ( D ) requires the " Notice to Home Loan Applicant '' which was not part of my initial disclosure package. I am uncertain if this notice is required at the point of application or anytime prior to loan closing. I would like to understand if Wells Fargo is permitted to refuse to provide the consumer credit report used to determine a credit decision upon request from the consumer.

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 2021-01-24
Company: GOLDMAN SACHS BANK USA
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Original fraudulent charge was on XX/XX/XXXX. I got an immediate notification in real time of the charge. It was from XXXX XXXX for {$1400.00}. I call Apple and Goldman Sachs ( its an AppleCard which goes through GS bank ), they change the card number immediately. While on the phone with them, the fraudster then tried to charge the same thing again, of course it was declined. I feel like it should have been dropped just based on this, but no, it is STILL ongoing 4 months later! 

I then contact XXXX XXXX, who direct me to contact my bank XXXX again XXXX, there is nothing they can do on their end apparently. Especially 4 months later now. I don't know why they couldn't just cancel the order and refund me, knowing it was a fraudulent charge. Since then I've talked to XXXX XXXX 3 to 4 times. I've tried to get the IP addresses of where the orders where made from. They informed me they can't provide that information, even though Goldman Sachs has stated on the phone that XXXX XXXX has provided the IP addresses to them. All I know is it was to a football game, the date of the game and the section of the seats. Thats all I have! 

Since then I sent them all the 'evidence ' I could find, including my conversation with seat geek, I have also done some digging and found that 95 % of fans in the crowd were cardboard cutouts, I also cross referenced the section and row in question, found a live stream of the game and attached screenshots.. I obviously wasn't there, so they can have fun trying to find me. I've talked to reps from GS for hours now, over the course of the 4 months, as well as convos with XXXX XXXX and Apple. 

It has now been disputed 4 times, I have never received the 'evidence ' GS says they have as to why they ruled in favor of the merchant other than a confirmation email. Well of course if the hackers got my CC number, they got my email, they are connected on the same account! So I'm not even sure how I'm supposed to defend myself. I'm not sure what real evidence they could have, as the charge is completely fraudulent, yet they never sent me any explanation. I'm not sure, but there should be laws against this. How can they not provide me what evidence they used in order to rule in favor of XXXX XXXX XXXX merchant )? Oh and the last time I spoke to GS, they said they have the XXXX address of the charge, yet they wouldn't tell me what it is. It's all very shady to me. 

The latest dispute was XX/XX/XXXX, and GS ruled in favor of the merchant a few days later. 
Now Goldman is telling me there is nothing they can do. I have reached out to Apple, and they now have a rep trying to help me. Thank god, as I don't know hat else I could do. I hope this all makes sense, please call me if you need clarification on anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Experian Information Solutions Inc.
State: NY
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:
XX/XX/19 This is the first time Experian credit agency has inaccurate information of me. 
I requested and received my free annual credit report from Experian, I saw my social security number is not mine, I never reported this number as my social security nor is it a combination of my social security number. I asked to have this corrected and I received another Experian report and my social security number or combination of it is still not correct. I want what portion this credit reporting agency enters as my own social security on my credit report, to enter my correct information. 

This year with my request for my free annual credit reports another credit reporting agency also had an incorrect social security number for me, I requested a correction report sent me with my correct social security number or part of it, and it was corrected by the credit reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been struggling for over a decade to get affordable payment options for my student loan. 4 years ago I was set up on a payment plan to repay my loan. It would prevent my account from going into default, lower my interest rate and make my payments much more affordable. I signed up in a couple years went by. I get phone calls I need to reapply for this loan payment plan, It was quite a hassle to get them to put me on the same program again and involve lots of threats on their end but they finally put me back onto a payment plan. They never told me there was a time limit on this program so I dont know how long it lasts for and they never sent me a form of the contract besides one document that says theyre taking the money out that they said once a month. Apparently the plan expired in XX/XX/XXXX I have not re-signed up for a plan because they are no longer offering it to me and I am looking at getting a lawyer to deal with them because all the promises that they made have not shown up on my credit. My loan went into default even though I was on the program and now only a few months after this repayment plan expired my loan was sent to a collect Agency. To my understanding they should not have sent my loan to collections in such a short period of time after a payment as it is less than 270 days. Name of the collection agency is XXXX XXXX XXXX XXXX in XXXX Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Experian Information Solutions Inc.
State: PA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2021-12-15
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX continues every couple of months to put this collection on my account after I tell them its not mine never lived at the address or was ever contacted this is identity theft and they keep removing it and then put it back every so often this is negatively affecting my credit it has to stop immediately

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 2020-07-25
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: Problem with personal statement of dispute

Complaint:
I have been told by wells fargo that they have no responsibility to report my credit activity to the credit company 's, this is a business credit card that is my ONLY credit card I have for 27 years, now im told I have no credit. Its the same SSN number. Please help 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 explanation