BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-31
Company: EQUIFAX, INC.
State: NV
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:
I have made several calls to Equifax regarding I am described as deceased. The last time was XX/XX/19 when I was asked several questions to verify my identity. I was advised that it was corrected. On XX/XX/19 my credit report was run by XXXX XXXX XXXX to obtain my credit scores for a home loan. I was advised that Equifax reported me as deceased and gave a XXXX for my credit score. I submitted a dispute with Equifax online on XX/XX/19 but I do not know if the problem was corrected because they advised me that they could not give me credit score at that time. 

Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-15
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:
There are currently numerous inquiries and accounts listed on my credit report that I have no knowledge of. These inquiries and accounts were not authorized or initiated by me and was a result of fraud or malpractice.

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 2018-07-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2018 received bill from Wells Fargo stating XXXX home equity line payment would be charged an extra {$190.00} for accrued interest on outstanding balance of entire loan, {$54000.00} XX/XX/2018 recieved bill from Wells Fargo stating we owe an extra {$680.00} on accrued interest on the principal of {$220000.00} XX/XX/2018 talked to Wells Fargo rep and they said that is how it is down each month you are charged accrue interest on your outstanding balance. How can this be when you have a fixed mortagage with interest already in your payment? 

Thee is no escrow on the account as it was originally through XXXX XXXX. We pay our insurance and taxes ourselves. We were behind in our payments till XX/XX/2018 and paid off the delinquent amounts plus XXXX payments so the XXXX one should not reflect any back interest. The rep stated this would be the way our bills would like form now on having the above noted accused interest added on to our monthly payments. So we will b paying interest on the interest on our account. Until this date in XXXX no bill EVER showed accused interest.

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 2020-09-01
Company: TD BANK US HOLDING COMPANY
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/XXXX I made a deposit at a td bank branch atm of XXXX. The atm took my money which was two XXXX XXXX dollar bills then an error code came up on screen saying unable to process bulk deposits, gave me back my card, and not my money and then screen cleared. I immediately called td bank while there and they said they are filling a dispute and I should receive my funds in 3 business days. on the XXXX there was still no funds returned so I called again and was told that the claim on the XXXX was not done properly and they would have file another claim. now it is XX/XX/XXXX and I was told it has not been looked at still.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17
Company: Synovus Bank
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
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/XXXX, I opened a Free checking bundle which consists of a Free Checking account and a saving account with First Citizens Bank. According to their marketing materials, customers are promised to " get {$300.00} when you open a Free Checking with a {$50.00} minimum opening deposit and open a saving account. '' Additional requirements include ( 1 ) establish direct deposit of at least {$1000.00} per month OR ( 2 ) make 10 debit transactions within 90 days of account opening ( see attached advertisement ). I made 11 debit card transactions, and the last transaction posted on XX/XX/XXXX. 

The {$300.00} was advertised to be paid out 120 days after customers meet the requirements which in my case was on XX/XX/XXXX. The bonus had not been deposited to my account, so I reached out to the bank via a secure message on XX/XX/XXXX. On XX/XX/XXXX, a customer service specialist named XXXX replied that I did not get the bonus because the direct deposit requirement has not been met. On XX/XX/XXXX, I replied back and explained that I met the requirement by making 10 debit card transaction within 90 days of account opening. On XX/XX/XXXX, XXXX replied using the same boilerplate answer and informed me that I did not receive the bonus because I have not met the direct deposit requirement. This signals that First Citizens Bank is not going to honor the bonus by the debit card requirement as advertised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21
Company: TD BANK US HOLDING COMPANY
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/21 we spoke to manager XXXX regarding a XXXX late fee on our account. We were never late as it is set to auto pay electronically. We were told their bank was closed that day and that is why the payment did not post until one day later. We were told if we paid XXXX that day that they would waive the other late fee. Our payments were only XXXX and we had another payment coming out autmatically for XXXX put we paid via phone that day the extra XXXX. That would put us a month ahead, but that was fine so that this did not happen again. Now in XXXX we are turned over to collections and they say that we owe XXXX because we did not pay the XXXX late fee and it has accumulated another XXXX. We sent a print out of all of our electronic payments and none have been late. We are refusing to pay the late fee and they are saying that they can not waive them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Nelnet, Inc.
State: PR
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: Investigation took more than 30 days

Complaint:
ACCOUNT HAS NOT BEEN VERIFIED WITHIN 30 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is about Wells Fargo Mortgage handling of escrow accounts. I refinanced with Wells Fargo on XXXX of XXXX. You would think that they would calculate local property tax during the refinance and in the middle of the year, but they do n't. In XX/XX/XXXX, Wells Fargo tells me that I owe {$13000.00} in taxes to them because of an error in escrow calculation. So now I am forced to pay {$13000.00}, which I do n't have or {$1000.00} extra in Mortgage which is outrageous. I called the escrow department and they said they only do escrow analysis once a year and nothing could be done about it. Wells Fargo has had a bad reputation on how they deal with customers. My only problem is that this could be a nationwide issue. Wells Fargo is trying to get people to pay more on their mortgage leading to foreclosure or some default. This issue needs to be investigated. I have a good job, so I am barely getting by, but they might be hurting vulnerable customers. Bad and deceptive mortgage practices like this are hurting many homeowners in the past and now.

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 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX  and TransUnion are fraudulent on my accounts : XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX  is fraudulent on my credit Account # XXXXXXXX XXXX XXXX  is fraudulent on my credit Account # XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXXXXXX XXXX  XXXX is fraudulent on my credit Account # XXXXXXXX XXXX is fraudulent on my credit Account # XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXXXXXX XXXX XXXX is fraudulent on my credit Account # 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 2018-02-09
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
notified that there was a collection on my credit file XXXX from Ability Recovery Systems LLC in the amount of XXXX original creditor was XXXX XXXX. I have never had an account with XXXX XXXX also Ability Recovery never sent me a collection notice or tried to contact me by phone. I have not had the chance to dispute this debt collection. Secondly, Ability Recovery Systems LLC is in violation of Texas Debt Collection Act, and Texas Finance Code 392.001. I want this tradeline removed from all 3 major credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
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: Was not notified of investigation status or results

Complaint:
student loan accounts are showing a status as " CLOSED '' instead of " PAID IN FULL '' as it does in the student loan database. I never sent a letter asking them to close the accounts after they were paid because this would adversely affect my credit. 
Paid in Full Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and XXXXoan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full

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 2020-05-16
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I was trying to transfer money through XXXX from my TD account to my daughters XXXX XXXX account. Due to an error with regard to an email address, the money in the amount of {$500.00} was diverted to a XXXX XXXX account which can not be accessed. Within minutes I called TD Bank who said there was nothing they could do and the money was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
XX/XX/2018 I am being hit with 2 Hard Inquiry 's from discover card I never made or authorized said inquiry 's I tried calling XXXX which they had said they would remove these inquiry 's due to the fact they are fraud and I did not currently request a XXXX Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Citibank checking account was involved in fraudulent activity in XXXX I received a check for {$2500.00} which I deposited right after that a XXXX transfer was made for {$2000.00} leaving my account with {$500.00} and {$600.00} I had for my rent. The bank debited the fraudulent check for the of {$2500.00} and now this account is negative. I contracted them for about 2-3 weeks about this they stated that the check was fraudulent but couldnt prove the XXXX was and that was that and that in 60 days I would be sent to collection for it. Now Citibank has started to garnish my other checking account I have with them that is not linked to the other one and when I reached out to them to today XXXX one representative told me it shouldnt have happened they can have it reversed and the other rep told me that I cant have my money back. So I am stuck and defeated.

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 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
I attempted to purchase a living room set but the order was cancelled. XXXX XXXX XXXX ( XXXX ) is reporting an open account on my TransUnion credit report and I never got the furniture. And they are reporting my account as being delinquent 90 days which is negatively affecting my score with TransUnion.

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 2018-02-09
Company: Army and Air Force Exchange Service
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I ETS out the XXXX XXXX XXXX 2014. In order to clear the post I had to settle all debts. One was to XXXX and the other was to the AAFES on post. With my severance pay I got from the military. Both companies then took payments out my severance package so I can complete my clearing. I've never stepped inside another military AAFES after I got out.

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 2017-08-03
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Debt collector never sent me any written correspondence but continually called me using a number in my own area code. These calls were performed by an automated dialer, and whenever I would pick up all I would hear is a beep and the call would disconnect.
When I called to speak with the company about the debt, they would only tell me a name but not what they wanted to speak with me about until I gave them my full address. When I refused to disclose personal information without knowledge of who he was, he hung up on me.
After I called back, I asked for proof of the debt and to not call me until I received it. I also asked that when they called back that they must call with a live person, not an automated system. After that call, I received 3 more calls from the company by their automated dialer.
I received the letter from them in regards to my debt today. It does not disclose anything other than the amount and creditor on the letter. It does not make any statement about my right to dispute within 30 days, or that if I do not respond within 30 days that I automatically accept the responsibility of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OPN XXXX XXXX # XXXX ( XXXX ) XXXX Shows this debt as reported in XXXX and opened in XXXX, it is at least six years old and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I went to the doctors office monthly for XXXX medication and I didn't have a problem with the insurance, until they up charged me. Me, being the XXXX XXXX year old I was didn't notice and the front desk ladies at the doctor 's office said they would fix it. Well they didn't after I tried and tried several times. I trusted them and that was a mistake. They didn't communicate to me that I wasn't covered because I was scheduled for an hour long visit when all I needed was a med refill and I was never charged for an hour long visit before that. All of a sudden I received a collection in the mail. I had never gotten that before and I honestly thought it might be junk. But then I was getting bombarded with multiple phone calls a day. They called my work multiple times. I talked to the doctors office and again and I thought it was fixed because I never heard back from them. I had moved and was going to a different doctors office at that point. Things got serious a guy even came to my house and handed me Court papers. I argued and argued with the doctors office. Eventually we talked to the finance manager and he told us not to worry about it anymore so I didn't. That was 2 YEARS AGO! I didn't hear from the collection agency until a few months ago and they have been garnishing my wages. I have had the time to deal with them because I'm in school and working full time. I did not appreciate them taking my holiday pay. And now I'm struggling to find a car loan, they messed up my entire life and it's not helping during a pandemic when I don't know if I'll have a job or not. Please help get it off my credit score! I'm stressed. Also the garnishment papers, seem fake. The signature doesn't match the name. The court case number can't be looked up anywhere, especially the court that is listed. And they don't tell what I have left to pay. Nothing matches up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: EQUIFAX, INC.
State: MI
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:
To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that its the Credit Bureaus responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1 ) follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. 1681g ; 5 ) et seq. 


Name of Account Type of Item Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inaccuracies 1. Showing a past due amount on a collection/charged-off account 2. Account is reporting with 2 different balances of high credit.

3. Account is reporting with 2 different dates of last activity.

4. Account is reporting 3 different dates of last payment.

If this is the same account being reported by the same creditor, why are these dates/amounts different? As you know, all must be the same.

Action To Rectify DELETE the account immediately FCRA non-compliance of inaccurate data furnished on my credit report.

Please do not update or verify this information again without doing a due diligence investigation.

Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary.

I sent this letter via certified mail to ensure this matter is resolved within the required thirty ( 30 ) day window so as to avoid any violation of the FCRA. Please send me a copy of the changed credit report upon finishing my request.

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX Attached : XXXX XXXX

Company response to consumer: Closed with explanation