BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: Comerica
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/21 between the hours of XXXX and XXXX 21 fraudulent charges totalling to {$710.00} were made to my Direct Express account just hours after my SSI was deposited into the account. 
When I called Direct Express they could not start a fraud claim but did cancel the card and put in a request for a new one. They refused to stop the charges and also denied making a fraud claim as they were 'pending ' charges on the account and told me to call at XXXX the next morning ( XX/XX/21 ) .Not until XXXX XX/XX/21 was I able to get through their automated system to be allowed to start the process for a fraud claim. 
From there they said all fraud claims must be disputed through physical mail and that they would likely be mailing out the forms XX/XX/21 and required they received the forms back by XX/XX/21 regardless of the mail likely will not arrive to my address until the same week they expect it back. The representative said it could take up to 100 days to process the dispute and if they proved the fraud charges then I would be reimbursed. 
This is SSI money for a permanently XXXX adult who is incapable nor allowed to work. The bank offers no way to expedite reimbursement of such funds, no email or online filing option, and their phone service only is available in the middle of the night. This is cruel and unprofessional at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
A collection in the amount of {$1000.00} is being reported as a collection on my credit file. The original creditor, XXXX XXXX, is claiming that I opened car insurance with them that has went unpaid. This is completely false and erroneous! I have never owned a vehicle in my life nor have I ever had nor authorized any person to open car insurance on my behalf. I have contacted XXXX XXXX, Transunion, XXXX and XXXX but this account still remains on my report. Please 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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I need to dispute accounts on my record. There are a lot of descreptencies on my report. from XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX The date active, Date Last used, Last Payments made, and Payment history is inconsistent on all 3 credit bureaus. I would like to get these removed from my account or i will get legal representation involved due to information not being added up accordingly. Thank you and have a great day.

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 2023-12-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have spent 2 hours typing this and this webpage just reset itself and your upload wont let me upload so I cant send everything through upload. I will send everything thought the document upload. M & T did not change my account like I asked to have done before I went in for XXXX. I was never informed of there being 2 different free checking accounts and neither was my husband when he went into change his account and our joint account before his XXXX. Because M & T Banks associate was either neglectful or the associate or M & T was extremely deceitful. M & T bank says oops were sorry its a misunderstanding. A misunderstanding where I lost a lot and they gained it. M & T was not up front about their account types or explained what changes were made when my husband changed over the 2 accounts. My husband was unaware that the 2 accounts had been changed to a completely new account type. I am sorry if this doesnt make a lot of sense. I am trying to be fast because the website resets and clears everything and I have to start over and the upload wont let me upload. Only update since that is M & T Bank completely wiped out all the money my husband had put in there for bills. When my husband went to talk to them they pretty much told him ol well we can do what we want If XXXX name is on it. Really? This account has been being disputed since XX/XX/19. Now M & T has taken every account that has my name on it into the negative. They didnt even leave money in the joint to cover the pending transaction. I am guessing every account in my name is in the negative because I have been fighting this since XX/XX/19 and Im not sure who can help me so Im sending it everywhere. M & T has now stolen $ XXXX from us.

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 2018-03-09
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account information incorrect

Complaint:
Chexsystems is reporting Account abuse on my report with them per XXXX XXXX XXXX XXXX XXXX. I have contacted both the bank and Chexsystems numerous times. They refuse to remove the information even though I have never had an account with XXXX nor have I ever abused an account. This is causing major issues opening a checking account anywhere.

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 2023-08-14
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 fraud alerts or security freezes

Complaint:
I was notified that someone changed my info on Experian, and in order to revert it, they demanded a litany of steps which were time consuming and expensive to execute. Completely unreasonable for a company of their size in 2023 to need all this : In order to help you resolve this matter, well need you to provide us with the following documents : One copy of a government-issued identification card ( such as a drivers license or state ID card ) that displays your current address One copy of a current utility bill, bank statement or insurance statement that displays your current address One copy of your Social Security card Also make sure to include a cover letter with : A description of your issue Case number : XXXX There are two ways to submit the requested documents and information. 
Fax everything to ( XXXX ) XXXX, Attn : Experian Consumer Affairs. 
Mail it to : Experian Consumer Affairs XXXX XXXX XXXX XXXX TX 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 2021-02-03
Company: TD BANK US HOLDING COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Purchased cell phone from XXXX and they are using T D Retail for the financing. This is a interest free account. When I opened up the account they gave the option for emailed statements, the failed to send statements the just sent a website link. I was unable to get in their website, wirh the link they sent, there was no contact information. I was unable to get payment information or where to send payment. I was out of town due to covid and wasn't traveling. When I got home I contacted T D Retail and payed the principle payments current and disputed the late fees due to their website issues and not emailing me the real statement as promised. They have not resolved my dispute they just give a canned response to call their customer service folks. They are unable to resolve the dispute and they can't transfer me to a supervisor or director who can escalate my dispute to. Meanwhile, I keep getting charged late fees even though the charges are disputed and I am paying the principal charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX ; XXXX XXXX  XXXX XXXX XXXX, AL XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX A, XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
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:
On XX/XX/2019 I contacted the following credit bureaus : Equifax, XXXX  and XXXX. Each bureau was notified that the following accounts being reported to my credit file doesn't belong to me and is false information being reported and should be removed immediately from my credit report. I've filed identity theft with local and federal law enforcement agencies as well in regards to this matter. The following accounts are being reported to my credit report and are false : XXXX   loans {$96000.00} Auto loan {$15000.00} Collections {$880.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28
Company: WELLS FARGO & COMPANY
State: MN
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:
I have a credit card that was hacked. It had a balance of over {$5500.00} before the hack. Then it was hacked and they made charges to total the balance of over {$11000.00}. We tried resolving the issue with wells Fargo and they verbally communicated the transfers were made over in XXXX. We have never seen statements indicating this. They refuse to even send physical proof of their words. We have never left the country in the past 10 years. Wells Fargo refuses to credit the account back to original balance before the hack because they said the account was logged in and out from a credible account in XXXX. Wells Fargo froze the credit card and we are fine with that. We just want to go back to the original balance, pay that off and be done with wells Fargo.

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 2023-02-11
Company: EQUIFAX, INC.
State: AL
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Cascade Capital, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Got two calls from XXXX XXXX  XXXX. I then got a notification from my credit report saying they placed a collection on my report. I never got a letter of dispute which is against fair debt collection practices. 
I then called XXXX XXXX XXXX and they state that I do not and have not had a balance of XXXX with them for the date of XX/XX/2015. I also checked with any other physician I saw and I do not have a bill for XXXX with the er at XXXX XXXX. They confirmed this. 
This company I called back and they said they were collecting for cascade Capitol LLC. 

There is no bill due for XXXX all of my bills with XXXX XXXX as of this date have been paid in full. This is a fraudulent bill collection attempt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Incorrect " at fault accidents '' when the events were actually hit and run. The persons who hit my vehicles left the scene. I was not at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2022-02-22
Company: Lockhart, Morris & Montgomery Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, I contacted XXXX XXXX XXXX ( XXXX ), concerning a debt that was showing up on my credit report. I explained to XXXX that I'm a veteran with full coverage through Tri-Care for life military insurance. I also informed XXXX that I was not aware of any services rendered by their company. I live in XXXX XXXX, Georgia and most of my XXXX XXXX are provided by the Veteran Administration or XXXX. I asked for XXXX to send me any billing that would confirm my being seen by them. XXXX never responded by sending a bill and their claim was removed from my credit report. XXXX of XXXX, another claim was filed because XXXX sold the claim to Lockhart , Morris & Montgomery inc XXXX XXXX XXXX We disputed the claim once again through the credit bureau. XXXX has continued to validate that the bill is mine. I believe this is medical fraud. If this is a second-part carrier, then they would have to bill my insurance. I'm not aware of what is going on, but need help with making these companies practice in good faith. The amount of the claim is XXXX. The opening date of the claim was XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Quality Asset Recovery LLC
State: NY
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 disputed this account with Quality Asset Recovery on XX/XX/2019. The company failed to respond, and never responded. I sent them a follow up letter of their default on XX/XX/2019. Again the company failed to respond and the items were removed and deleted as per section 609. The company has re reported this negative item on my credit file on XX/XX/2019while I am looking for a home. This will eventually result in my homelessness and I am going to take action in the court. I can sue {$1000.00} and up, per item per reporting. I also receive calls all day every day and have finally found the culprit behind these calls. That is harassment.

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 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I once again express gratitude for your ongoing efforts to address certain fraudulent entries in my file stemming from alleged identity theft. However, there remain items that necessitate removal. This constitutes my fourth complaint and serves as a follow-up to my prior grievance dated XX/XX/XXXX. As a victim of identity theft, I am submitting a dispute for the residual fraudulent items in my file. Reiteratively, the items under dispute bear no association with any transactions involving the acquisition of goods, services, or funds that I have either made or authorized. Kindly expunge the reporting of these items from my credit file, as they are unfamiliar to me. Furthermore, the data pertaining to these items has been expunged from other bureaus, raising doubts about their accuracy and reported payment history in my file. For your reference, I have attached my FTC Report # XXXX. Outlined below are the outstanding items that require removal from each bureau : -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2023-11-27
Company: Selene Holdings LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My loan was transferred to Selene Finance in XXXX of XXXX. I filed bankruptcy in XXXX and my loan has been transferred to several servicers in the last XXXX  years. I had a modification in XXXX that I acquired legal fees that show on my payoff balance with the understanding that the fees would be paid on refinancing or if I ever provided them written consent to appy payments to that balance. In XXXX, XXXX had a different website/payment system and I was unable to view payment history or see where payments were applied. In XX/XX/XXXX they updated their site and I am now able to view payment history and see where payments were applied and found numerous discrepancies. XXXX sent me a payment history from their system as well and does not match the site. I have also found on numerous occasions they have applied part of my mortgage payment to previous legal fees that I did not authorize. I am now trying to refinance and these issues are causing me delays in declines with prospective mortgage companies. I have asked XXXX verbally and through writing to fix the errors and they are either non-responsive or take weeks to get back with me. I called last week with a XXXX party to verify mortgage and the customer service rep with XXXX was not cooperative and would not provide the needed information over the phone and stated they would have to have the request in writing. I have provided research to XXXX on the discrepancies and receive different feedback and info with every interaction with the company.

Company response to consumer: Closed with explanation