BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-16
Company: TD BANK US HOLDING COMPANY
State: OK
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:
went to XXXX XXXX to purchase a pick up and they made 8 hard inquiries on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
There has been many complaints from Wells Fargo customers who checked the IRS website and got confirmation that funds have been deposited in their account on said date. On that date the funds are not available even on the business days after. There are numerous of people who have received their funds with other banks/financial institutions right on the date that was advised. This bank is corrupt and they are playing with people money which is a shame in these times. Please see the attachments of real life customers of Wells Fargo commenting and relating to each other in being XXXX by this bank. Veterans, workers, people who have banked with them for YEARS. And all Wells Fargo can give is a generic response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-15
Company: CL Holdings LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a FTC report on XX/XX/2021. This account was due to identity theft. The account was removed from my XXXX account, but this account never was removed from XXXX and XXXX and showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Ad Astra Recovery Services Inc
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I guess i owe about 500 in debt collector expenses but i don't remember when or where i got it its about to be 1 year and 2 months old and i don't work i just got my medical bills waiver and this is still effecting my credit i haven't gotten any letters from the company till i checked my credit score and it been sitting there since help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to buy my wife a car today XX/XX/20 but when they ran my credit to see if I qualified for the loan, I was told that I was not approved because there are three accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about so I looked at my credit report myself and there were accounts from XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX that I never opened. I don't know who is responsible for these accounts or why they're on my credit report but I did not benefit anything from them such as money, goods, services or any other benefit nor did I ever make any payments towards them. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these 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 2018-05-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Spoke to two individuals ( senior manager and manager ) at XXXX until XXXX on XX/XX/2018. 
I contacted IQ Data International about settling on an account they have of mine. They said my offer was to low and offered me 20 % off as settlement. I informed them I was not able to pay that at this time and would continue to save and call them in a couple months. The gentleman I spoke with said that he was going to see what else he could do and put me on hold. A woman come on and said that they had offered the lowest rate they could of {$2600.00} with a credit deletion and asked why I wouldnt take it. I explained I would not be employed for four months and could not commit to monthly payments on top of the {$1500.00} I was offering and that I would call again when I had additional funds. She told me that if I did not take the offer they had give me today that I would have to pay the full amount of {$3400.00} with no credit deletion. I told her I wasnt worried about the deletion, just that I had hoped to settle the account. She told me that if I didn't settle the account for the amount they were offering and take the credit deletion I would have a hard time getting a loan, finding a place to rent, etc. and that I would have to pay the full balance and that interest would continue to acrue. I told her I had spoken to a She said she'd been doing this a long time and that my credit would be effected. I told her that I was not able to commit and she stated she would notate my account that I was refusing to pay and she would take further legal action against my husbands gainful employment. 

I felt threatened despite having offered them {$2000.00} and monthly payments in XX/XX/XXXX that they refused. Now I have {$1500.00} and can not commit to monthly payments as my income will decrease during the summer. They also refused that and countered with offers almost {$2000.00} higher with a credit deletion. When I couldn't commit they told me my credit would be impacted, we wouldnt be able to rent or buy or get a loan and that she was going to take further legal action against our gainful employment. She also stated that they could call us repeatedly at home or work if I wasnt going to agree to the offer they gave.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my mortgage with Fifth Third bank through the XXXX XXXX XXXX XXXX on XX/XX/XXXX and closed on XX/XX/XXXX. XXXX sent the payoff check to Fifth Third bank immediately after closing. Fifth Third Bank continued to contact me, I explained to them that I refinanced with XXXX and I was already making mortgage payments to my new bank. I know someone at Fifth Third bank received the XXXX check because I confirmed with them on XX/XX/XXXX and they stated they had just received the check. But the calls for collections continued, I repeated to them that I refinance, they asked questions as if it was the first time knowing of this. We had a conference call with Fifth Third and XXXX and we confirmed we had the correct info for the XXXX payoff check and it was exactly the same as the first time that it was sent out. The payoff check had to be re-sent for the 2nd time. During all this time they have been reporting late payments to my account and my credit score went from " excellent '' to " needs work ''. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, 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:
I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA605B this information must be blocked immediately until the investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX XXXX  and I do not have a contract with ARS plus they did not provide me with the original application like I asked. 
Account No : Amount Disputed : XXXX {$510.00} XXXX {$510.00} XXXX {$510.00} XXXX {$510.00} XXXX {$530.00}

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 explanation
Consumer complaint received 2021-03-08
Company: USI Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I received a letter from XXXX XXXX XXXX stating that I owed an outstanding debt of {$10000.00} and and claimed for a discounted offer for {$2600.00}. The company claims this debt was due from XXXX XXXX and USI Solutions. I checked my credit score on XXXX  XXXX XXXX, XXXX  and XXXX and there are no current collections from this company. I have never received a phone Call or any previous notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have repeatedly reached out to cash app in regards to my account. I informed them of several fraudulent charges that occurred on my account within a week when I was in and out the XXXX. They credited my back a portion of my claims but refused to reverse 4 charges. I asked for a detailed explanation into their investigation into these fraudulent charges and all they did was supply me with a one page paper showing the charges. I am fully aware the charges were made but they did not complete any type of investigation and just denied my claim. I am just requesting my additional missing money because I was victimized and lost my money due to fraud or a scam. They have since replaced my card but still have not returned my missing funds. They refuse to acknowledge my messages or provide me with actual proof that these charges were made my me and are not fraud. I just want my missing money back. my cash app name is XXXX. I am just asking them to either do their job or return my missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA605B this information must be blocked immediately until the investigation is over.

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 2020-02-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was sick in the hospital and miss forbearance payment was told I could make the payment then I was told I default in the plan I was has to put the application back in to ask for help was deniel with no income asked for please see the attached documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Bread Financial Holdings, Inc.
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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My car was seized in XX/XX/XXXX. I went to 2 court dates and on XX/XX/XXXX the judge gave the car back to Ally. They put in the paperwork to have the car returned to them. I was told in court that Ally would contact me within 30 days to let me know if they were going to return the car to me. I called Ally and customer service said that I would get a letter on instructions of getting my car back. That did not happen. I paid the car up to that point. The XX/XX/XXXX payment was never cashed. I did not hear from them until XX/XX/XXXX stating that my car had been repossessed and was going to be sold. I answered back that I wanted my car back but received a letter from XXXX XXXX that I owed {$10000.00} before they even contacted me. How does a car that they had in their possession for 3 months get repossessed?

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 2017-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, I received a call from XXXX XXXX XXXX XXXX XXXX at approx. XXXX XXXX on XX/XX/2017. This call was from a representative of XXXX XXXX credit cards collections department. The call resulted from my account being 115 days past due. I ask the representative what would happen if my account was more than 120 days past due and the rep stated the account would be charged off, negatively effecting my credit. I explained to the rep that I was experiencing a financial hardship and the difficulty involved in me being able to make a payment. The rep restated that their policy was to consider the account for charge off after 120 days showing complete disregard to his companies actual policies which can allow an account to be delinquent for up to 180 days before being considered for charge off. A simple notation on my account stating my intentions of paying should have been enough to delay any actions. After double checking his companies policies, the representative stated that he had been incorrect in his prior answer and stated a charge off of the account would occur within 150 days instead of 120.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
HIPAA VIOLATION / CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: CITIBANK, N.A.
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:
had ID theft done hacking, sent all reports I had to move this has taken over my life SENT FTC, cfpb complaints noone will help just turn down after turn down not taken in consideration of the ID theft Banks telling to remove my fraud alert uneducated people that these people have hired that don't even belong in a branch have you guys really ever shopped your own banks? 
Walk into one very rarely do I get a trained profession. Cutting pay for what? to get people that don't XXXX about banking? You guys are the bread and butter of the American economy but you rather cut pay and make the government spare your expense cfpb should be the higher ups of the banks protect our economy not try to XXXX us. YES its sad to walk around with the knowledge I have and walk into a bank. XXXX when people are put in the wrong position I'm sure XXXXXXXX XXXX wouldn't be a very good RB or XXXX XXXX a great WR, so put people in the right position to succeed. STOP having the government monitor every. You guys owe it to us get this stuff right no reason why you guys only do something b/c youre afraid of the cfpb do it b/c its the right thing to DOOOOOO

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I started paying on these loans on XX/XX/2012. Total payments towards Navient equal {$14000.00}. The balance of the loan remains almost at the same amount when the loans were first taken out. 

I also filed a complaint with Navient regarding the loans because some of those loans i don't recall signing for. When i was attending XXXX XXXX, i was paying XXXX over {$950.00} per month using my Gi Bill. On top of that, these loans were taken out for no reason, i was paying 100 % of the fees due to the school.

Attachment shows payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: WELLS FARGO & COMPANY
State: FL
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:
My complaint is regarding WF CRD SVC, Institution Information WF CRD SVC XXXX XXXX, IA XXXX They placed an unathorized inquiry on my credit on XX/XX/2019 and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. 

Personal statement ( s ) XXXX  & XXXX-19 XXXX  ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX-19.

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 2017-11-21
Company: CITIBANK, N.A.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid off the loan in full with our lawyer XXXX XXXX  2017. We 've checked with register of deeds in XXXX county WI and they keep telling us they removed the mortgage from the deed as lien holder and of this date it still has n't been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
I just checked my credit report and find it very misleading that while I've been involved in this 'situation ' with one of my mortgage, that it is now listed as 3 negative entries instead of one. This occurred when XXXX XXXX XXXX transferred the loan to XXXX and they then transferred it to XXXX, it's one 'situation ' and thus should be one entry, not 3 negative entries.

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 2019-05-03
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 is missing that should be on the report

Complaint:
I just checked my credit report and find it very misleading that while I've been involved in this 'situation ' with one of my mortgage, that it is now listed as 3 negative entries instead of one. This occurred when XXXX XXXX XXXX transferred the loan to XXXX and they then transferred it to XXXX, it's one 'situation ' and thus should be one entry, not 3 negative entries.

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 2020-06-24
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield is reporting I owe them amounts related to two apartment complexes. This is false. I worked through a Corporate employer program to apply last summer at communities with a Preferred Employer corporate program for XXXX XXXX XXXX XXXX employees in XXXX, TX. The preferred employer program waived all application fees. 
In each instance the application was denied. However, they are trying to collect and Administrative fee with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX P : ( XXXX ) XXXX | F : ( XXXX ) XXXX | rentatrosehill.com which was to be credited back in the event of denial. XXXX XXXX issued a Denial on XX/XX/2019 with email from leasing staff XXXX XXXX. 
I never leased at these communities or vacated leases. I have never resided and any amounts attempting to be collected are not mine and not owed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX can not charge for a deposit and admin fee when they denied application on XX/XX/2019 and refused to lease to me. They were supposed to credit back application fee for preferred employer. 
Hunter Warfield is in direct violation of the FCPA guidelines as they are reporting this to all major credit bureaus in direct violation of FCPA.

Company response to consumer: Closed with explanation