BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: TN
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, US DEPT OF ED/XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/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 explanation
Consumer complaint received 2021-07-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 a down payment was taken from my account for a vehicle in the amount of XXXX, I returned the vehicle within the same day because of issues I experienced with the vehicle upon driving off of the sales lot and was promised a refund from the merchant, the merchant never refunded the money that taken for the down payment on the vehicle. 

I filed a claim with the bank explaining the situation. The bank has denied my claim stating that they have proof that the charge was valid for the sale of a car although the merchant was in possession of the vehicle last.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Hello I spent XXXX hour on phone with Capital One and they refused to help me get a payment extension for the XXXX car loans i have. 

One loan that ends in XXXX with a payment of XXXX and the other Car Loan that ends in XXXX with a payment of XXXX. 

I asked to skip XXXX 's payments for both cars due to getting covid and having complications from covid. they kept telling me to just pay the amounts 7 days after the due date. I kept asking why they wouldn't give me an extension for both car loans and then they said we are going to get you to a manager to assist you. I waited and waited and then they hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My issue is with transunion and Equifax 1 Equifax I cant lock my credit file because Equifax says they cant match my account with my personal information. I go though verification every time I log in and its starting to get old especially when Im paying for there services. This has happened on several sites that has Equifax on there apps they need to fix it and you cant reach anyone they dont answer phones or the automatic machine act like they cant under stand anything. 

2 XXXX  they are the worst of them all.. every transunion site I have is horrible I can login and check something and log out and then it tells me my password or user name is wrong when I just logged out and then to reset it you have to wait a day for the system to email you to reset it. Ive called them too many times and can never reach anyone I have 8 numbers for them and its all the same you never get a human. I am a victim of identity and I cant even lock my reports because they say I have to wait until a dispute is completed which has been about a month now. There helping people access my profile by not allowing me to lock my report. Then when someone sues them which Im in the process of doing they wan na act like its not there problem. Im paying for 3 of there sites and there all the same. I cant even cancel my accounts due to me having log in issues if someone can help me just get rid of all my memberships with the credit bureaus would be a big help because Im wasting my money and time trying to keep my identity protected I might aswell post my personal information everywhere online for that matter since there is no protection with these sites and apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Early Warning Services, LLC
State: KY
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/2018, I attempted to send {$70.00} to someone using XXXX. The transaction failed on the app. under my activity tab, it does not show that the transfer was successful. Additionally, I never received an email stating that the transaction processed. The intended recipient never received the funds. However the {$70.00} was withdrawn from my bank account. On XX/XX/2018 I called XXXX customer service. They told me that they can see that the transaction failed and they are not showing that the money was withdrawn. They told me that I would have to contact my bank. After getting off of the phone with the XXXX customer service person, I called XXXX XXXX bank to file a dispute claim. XXXX XXXX issued a {$70.00} provisional refund and started the claim. On XXXX XXXX, XXXX XXXX denied the claim and took back the {$70.00} refund. I called both XXXX XXXX and XXXX multiple times on the XXXX XXXX to resolve the issue. Both companies keep telling me that there is nothing that they can do and that I need to contact the other company. I ended up sending the {$70.00} to the intended recipient using XXXX XXXX instead. I have not received my initial {$70.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
TD Bank failed to provide timely and accurate information regarding the mortgage process. Further, TD Bank stopped responding to e-mails or requests for information once we expressed concern about the misinformation that was provided and their latency. XXXX examples include : ( 1 ) When we completed our mortgage application, the loan processor referred to the new law but assured us that TD Bank could complete the mortgage process in 45 days. Additionally, the TD Bank website states that " generally, your mortgage will be ready to close in 30-45 days. '' Although our closing date was scheduled for over 45 days from the start of the process ( and we provided all requested information in less than 24 hours of the request ), TD Bank did not complete the mortgage process by the closing date and did not inform us of their processes with regard to the new three-business day rule for us to have the Closing Disclosure forms. In fact, TD Bank did not inform us that we would not be able to close until 1 business day prior to closing. This poor communication resulted in financial loss to us because we had already transferred utilities ( costs not yet known ) and paid for city parking for the moving truck ( {$60.00} cost ). 
( 2 ) TD Bank failed to inform us of the option to receive mortgage disclosures electronically. We learned of the option when it was time for us to receive our Closing Disclosure ; however, TD Bank would not allow us this option because we had not opted for this option at the start of the process. TD Bank acknowledged that they did not inform us of this option at the start of the process, but said the law did not allow us to opt in late in the process. TD Bank refused other options that appear to be allowed by the law ( e.g., e-mail or fax ) and insisted we wait for regular U.S. postal mail. The failure to inform us of the electronic option or allow for other avenues resulted in financial loss because it further delayed the rescheduling of the closing date. 

TD Bank appears to need more guidance on how to implement and communicate about the new law to customers. Different associates provided us different information ; we remain uncertain which interpretation is correct or what it will mean for us. We will be submitting more information to TD Bank directly on our experience, but thought it prudent for future customers if we shared our experience regarding TD Bank 's handling of this new law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-28
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent this company over 1000 emails asking for written documentation regarding this debt. How it is owed, who it is from, how it is linked to me and my options to remedy the situation. They have promised me they will send me something in the mail immediately and then never do so. I have also phoned them dozens of times and written them via US MAIL requesting this information. They have lied to me and threatened me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: STANDARD MORTGAGE CORPORATION
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
During XX/XX/2023, I contacted standard mortgage 's counselor in XXXX XXXX to discuss options if I were to get behind on payments since I have FHA loan. The counselor was very rude and explained to me that the only options were foreclosure ; no type of modifications or payment plan. As of today I am delinquent for the month of XXXX, XXXX, and XXXX. The counselor personally mailed me a letter in XXXX stating since I am behind I have two options : sell my home or choose deed in lieu of foreclosure and to circle my choice and mail him back the letter. The letter also states since I am delinquent its most likely I won't get back on track. I feel I am being discriminated due to my residential area being predominantly XXXX XXXX  ; therefore the counselor purposely disregards every federal housing and lending regulations.

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 2018-11-20
Company: MIDCOUNTRY FINANCIAL CORP
State: VA
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:
Consistently made payments and company continues to report to credit bureau that payments are late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: EQUIFAX, INC.
State: OH
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 a legal and notarized document and request for proof of claim, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : XXXX  XXXX  XXXX  XXXX  XXXX, XXXX  XXXX  # XXXX, US DEPT OF EDUCATION # XXXX, Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX  XXXX  v. XXXX  XXXX XXXX  XXXX  : XXXX  v. XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected.

XXXX  XXXX  XXXX, XXXX  XXXX XXXX  XXXX  XXXX, US DEPT OF EDUCATION XXXX, XXXX  XXXX XXXX  XXXX XXXX  XXXX, XXXX  XXXX  XXXX XXXX  XXXX, XXXX/XXXX  XXXX  XXXX, XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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: Information belongs to someone else

Complaint:
Since XXXX, I've been disputing a medical bill with Experian from XXXX. I went through all the proper channels of contacting both companies but am not being heard. I contacted Experian recently via mail, phone and online for assistance with a medcial bill reflecting on my report that I advised I didn't owe. I've always had active medical insurance since XXXX ( as a XXXX  in college ), and I've never neglected a bill nor created one without the use of my insurance. I have documentation that insurance was available to me at the time of this medical claim, and that insurance could cover this entire bill had it been my hospital charge. 

I filed a complaint with XXXX  on not giving up " the burden of proof '' showing where this debt is VALIDATED. All I received ( see attached ) was a bill with the name on it. No signature form or any other pertinent information showing that this is indeed my debt. 

I am looking for assistance with getting this debt deleted since all debt validation attempts were not executed by the Credit Bureau Experian or the collection agency XXXX. 

I have attached all dispute correspondence of the past to see that proper measures were taken without proper reciprocation. 

I ask that this account is deleted from ALL bureaus starting with Experian due to their negligence of proper due dilligence to properly protect me as a consumer. 

Thank you, 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 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
As of today, XX/XX/18, I noticed a pending transaction in my bank account in the amount of {$19.00} for TransUnion which I unknowingly signed up for several months ago when trying to do the free report. The previous withdrawals from my bank account escaped my notice until now. I have never received a single email confirmation or any correspondence to suggest that I was a part of a monthly subscription. I had no idea. Additionally, the email TransUnion had on file for me, after I went on today to cancel my account, was one they generated themselves which was blackhole @ tu. [ something ], which was completely unknown to me. 

I called today to cancel the subscription I never knowingly signed up for, and they wanted my social, address, and birthday. Not willing to give this information over the phone, I refused, and they were unable to continue to cancel the subscription. I found a link online to cancel it, and I will know if it worked next month at this point as there is still no confirmation email or any sort of in program confirmation page.

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 2015-11-25
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged an overdraft fee of {$35.00} dollars on the afternoon of Tuesday XXXX XXXX. However I had been to the ATM on the morning of the XXXX and deposited money into my account. At that moment there was no sign of an overdraft on my account. Later that day I received an email letting me know I had over drafted. I called the bank to clear up this mistake as clearly I had deposited money before the over draft had occurred. I spoke to a costumer service representative and was told the best they could do for me was only refund me half of the fee at the total of {$17.00}. I then spoke to his manager XXXX XXXX and was told the same. I then asked him why he could only do half if it was n't my mistake ; to which he informed me that they had previously taken and overdraft fee off. However the incident he was referring to was also because of a HUGE mistake they had done. something i should have reported in the past. I deposited my check at the Wells Fargo ATM, but it never appeared in my account. It was as if my money had vanished. I did n't realize this until i had been charged an over draft fee on a reoccurring payment i had set up with my account. I then called to see what the issue was only to realize my check had never cleared. So after their huge blunder on that they reversed the over draft fee and made me file a claim which had me wait the maximum of 10 day to have access to any of my money. I wish i could say that this only happened to me that XXXX time, but unfortunately it did n't. I had this happen to me twice with my checks that left me completely broke and late on my payments twice, and once with cash deposited at the ATM. The morality of this bank is flawed and i have read tons of costumer complains stating that they felt like they were treated like they did n't matter and thats exactly what they did to me. I just do n't understand how how they could flat out " legally '' steal money from hard working, and trusting cutomers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: PENTAGON FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
Was never notified of a payment due and mobile app indicated NO payment was due, there has been a 30 day late payment posted to all three of my credit reports, spoke with PenFed and they admitted that the 30 day late payment should of never been reported.

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 2018-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
My last account with positive history was removed from my credit report due to 'multiple accounts closing '. Accounts closed due to collection accounts being paid off or collection accounts being removed. As a result, I lost 30 points on my credit report which I have maintained for XXXX for over 10-15 years and increased it to XXXX until this occurred. 

Reporting agencies subsequently changed the status but the creditor did not reopen the account. I did not request closure of account and it has adversely affect my score. 

Company name is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
State: NC
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 am writing because I am a victim of identity theft of XXXX XXXX. I did not consent to them doing a hard pull on my credit report which lead to a hard inquiry. No written consent is Identity Theft according to 15 USC 1681 consumer report exclusions. The sales rep at the store assured me that I would not get an inquiry on my credit report. I did not even want to apply for the card in the 1st place because I was making the purchase with my current cashback rewards card. Also I am currently dealing with Identity theft and have a fraud alert on my credit reports. The lady insisted that I get the XXXX or XXXX XXXX card through them and that I did not have to worry about the inquiry. I have tried calling XXXX XXXX and keep getting transfered to different departments then being hung up on. The sales representative was misleading. I want these inquires removed from both XXXX  and Equifax consumer reporting agencies. If this isn't fixed within 30 days I will seek monetary damages for my consumer rights that were violated and take legal action. I have filed a report with the FTC on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 been contacting COAF, who appear on my credit file as COAF XXXX Tx, XXXX ( XXXX ) XXXX XXXX, numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX Neither of these did i authorize or give permission. they are a result of fraud.

Company response to consumer: Closed with explanation