BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hello, I was inquiring about any accounts that may be open in my name and SSN # My name is XXXX XXXX and my SSN is XXXX. I'm also inquiring about any custodial account they may be opened in my son 's name " XXXX XXXX SSN # XXXX and my daughter. XXXX XXXX # XXXX. I believe the account have been open fraudulently by a close relative without my knowledge. if there are any account open under our name can you please close them immediately and send any remaining balances and final statement to the address above. Thanks for your time!!!

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 2018-08-09
Company: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
after home purchase in XX/XX/XXXX, never received the money they was supposed to be for the deed of trust. Then they forged another deed of trust. That was reconvened in XX/XX/XXXX, but they began to refuse to answer any questions about the issues. after 9 years in the home fighting everyway I could because of no help of any government agency 's. Then after a notice of default on a reconvened note. And failure to answer my QWR. till 6 months later. and never addressed any of the concerns. The sold my house on XX/XX/XXXX. 

Then the purchaser that knew about the situation had me and my family removed with unlawful detainer that the change of my address caused a default. Because every attorney I talked to was completely against taking my case even with over 1000 pages of original documents. Now after steeling my house still not a single agency willing to get off their A..s and do their job. Including AG, Postmaster general, Governor, C.I.D. and Hud was absolutely lying to me when I sent over Hud H1 and then blocked her  email. They have note only stole my house but completely destroyed my family and my integrity. As well as you and the rest of the government do anything to stop this.

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 2023-02-19
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
TD bank withdrew XXXXXXXX XXXX that I deposited via remote deposit. they tell me that there was a transposition of one number and that the XXXX was withdrawn without my knowledge. the XXXX check that i deposited is no longer to be found and no one from TD will look at why they say not there and we have the right to say there was an error and withdrawal funds I am out XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I leased a XXXX XXXX from XXXX and I set up auto-pay from day one. My payments were deducting automatically every month for the first year and half then in XX/XX/2017 they stopped and reported me delinquent. I only found out after I got alerts from my credit card. I tried to understand what happened but I never got an answer to this day. I said fine and I swallowed it. Then when I returned the car at the end of the lease, everything was fine and I was told there's nothing left for me to do because I didn't want to re-lease from them. A month later I get another alert about a delinquent payment (?? ). I call and they tell me its a disposition fee. I was never informed about it nor have I received a final bill. Yet, they destroy your credit score just like that. Horrible experience, no communication at all, and I will never own a XXXX again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
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: Information belongs to someone else

Complaint:
The accounts listed above do not reflect any correct transactions done by me. My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE 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 explanation
Consumer complaint received 2018-03-16
Company: Siwell Inc
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
my mortgage i had was 1st with XXXX i had some hard ship and applied for re-mod with then and during this process the loan got bought by XXXX XXXX   XXXX of Texas.they 1st worked with me an told me a payment of {$1600.00} which i have been paying. on XX/XX/XXXX i received a letter informing me that my escrow is going to short {$11000.00} and my payment will there jump up to {$3000.00}. I have phoned them on many to ask how this is so when my taxes pmi and is $ XXXX. then i received my XXXX form it shows that my mpi i have been paying for the last year is {$730.00} over what it should. now if i am correct the PMI is usually 0.4 % -1 % i pay way over that. again i call them to discuss this i told that my loan has been calculated correctly and they will give me yet another new payment which i was supposed to get on the XXXX XX/XX/XXXX sent emails left messages still waiting for answer. i thought once the remod was done i my payment would of been the same. i am super frustrated with this company and dont know weather to hire a lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Took out loan for {$5000.00} from Speedy Cash in XX/XX/XXXX in XXXX was told I could borrow more but whole loan was refinanced at a high interest rate no longer allowed in CA I have already paid off amount borrowed as I pay {$660.00} a month. Yet still have about 4 more years of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Commonwealth Financial Systems, Inc.
State: TX
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 is inaccurately reporting that I have a collections debt of {$630.00}. Commonwealth Financial is also inaccurately reporting that I have a collections debt of {$720.00}. These accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There has been several attempts for this debt to be verified with the consumer reporting agencies. This account has not been verified simply sending a statement from the original creditor by law is not suffice. This collection agency and consumer reporting agencies have not provided me with a signed contract/agreement. The original creditor ( XXXX XXXX ) has stated that I do not owe them this debt. 
Please review letters sent and documents provided as verification as they do not meet the standards by law.

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 2019-10-06
Company: John C. Heath, Attorney at Law, PLLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Lexington law was collecting money every month from me to remove negative items I didnt see a change in my credit scores

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-06
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I got declined on a purchase using the XXXX  comenity card on XX/XX/19. Tried calling the customer service account protection ( XXXX ). The representative who answered were asking all sorts of questions which i answered to the best of my knowledge. it came to a point where they were collecting lot of information that i started o doubt if it is legitimate call center. I asked to speak to the supervisor, to whom i spoke ( XXXX ). i said it is not fair that you need more information than the once you needed, and asked him how many questions i need to get answered to get the card unblocked. He replied he makes the rules and either answer or it will remain blocked. I declined to answer any more security questions that was asked. He hung up the phone. 
Here is the lsit of questions that were asked and answered. 

Name Card number my age last 4 of SSN address last purchase made at XXXX? 
amount? 
last balance i paid on the account my credit limit ( i wasn't sure about this but i said i can look it up ) if i had a XXXX  what model and year my drivers license issued which county, date of expiriy on drivers license. 

after having answered all this, the representative and supervisor XXXX still determined it was not sufficient. I told them i am not convenient answering these questions anymore, with all the scam phone calls happening now. 
I believe I have a legitimate complaint, that this is sufficient data to get the card unblocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV Funding LLC, Has falsely submitted information to Resurgent capital services stating that, I owe them {$1000.00}. Which is not true, I received a letter from Resurgent capital services, Dated XX/XX/2019, concerning the above issue. I do not owe this debt and the information is false that LVNV Funding has submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
I have a hard inquiry opened XX/XX/2018, I am not aware of an account being opened at that time. This hard inquiry is for Brclysbankde. I already tried contacted them by phone and sent them a letter ; noting was done.

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 2021-06-23
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS states change to update the information on the XXXX tax form 1098 was made at my request. See attached SLS_XXXX SLS CAN NOT locate this request. See attached XXXX XXXX XXXX SLS claims " the tax form was updated to reflect the correct ending principal balance. See Id.. Note : Both the original and " corrected '' forms show {$66000.00} as " beginning principal balance. '' Both forms show " amount paid '' as {$66000.00}. See attached XXXX XXXX XXXX  ( original ) and SLS_XXXX ( altered XXXX Form 1098 ). Please forward the servicing notes for XXXX and XX/XX/XXXX explaining how {$66000.00} minus {$66000.00} equals something other than 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 2018-10-19
Company: Bridgecrest Acceptance Corporation
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX, the auto loan borrower, received the aforementioned vehicle from XXXX and an auto loan from XXXX XXXX XXXX, now known as Bridgecrest Acceptance Corporation, with the following conditions : Vehicle Sales Price : {$13000.00} Annual Percentage Rate : 20 % Finance Charge : {$6600.00} Amount Financed : {$13000.00} Total of Payments : {$20000.00} Down Payment : {$1200.00} Total Sale Price : {$21000.00} Terms of repayment : Number of Payments : 109 plus 1 Final Payment Amount of Each Payment : {$180.00} Bi-Weekly Beginning XX/XX/XXXX Amount of Final Payment : {$180.00} on XX/XX/XXXX Please see attached .pdf document for full description of issue ( s ) concerning : ACCOUNT # XXXX VEHICLE DESCRIPTION : XXXX XXXX XXXX XXXX VIN # XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I paid a company around 300 dollars to lower my student loans and then my student loans were sent to another company. My repayment amount is supposed be {$0.00} as I'm supposed to be on an income repayment plan for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing this due to non-compliance with ( XXXX, XXXX, Trans Union ). They  have failed to remove information that was affiliated with personal details that were challenged in the past. 
I strongly believe that they are in violation of the Federal Credit Reporting Act, ( FCRA ), and are outright refusing to uphold the law.

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 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The bureaus are reporting an account with XXXX XXXX that I settled last year!!! I have sent in multiple disputes and they continue to report this debt. I have sent several letters to XXXX XXXX saying they are reporting inaccurately and have filed several complaints and no one can get a hold of them. This account is hindering me from being able to buy a home and this needs to be fixed immediatley.

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 2020-05-01
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Consumer Financial Protection Bureau, I was a victim of identity theft in XX/XX/2019 ( attached is the police report ). The unknown perpetrator fraudulent took out a Cartier credit card administered by TD bank. TD bank was extremely difficult to work with to get the fraudulent account removed. The Fraud Specialist never returned my calls and I worked with the merchant Cartier to resolve this matter and received a letter from them this was Fraudulent account and it has been removed from my credit report after going through excessive lengths. 

Then, after all this I received collection calls from TD bank even after telling them to stop. I am requesting you to look into their practice. 

Attached is verification of being on the National Do Not Call Registry, Documentation this debt was resolved but still received collection calls, police report, letter to TD Bank ( Cartier ),

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: Experian Information Solutions Inc.
State: NE
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:
I disputed this account here and it was paid and closed yet they changed the close date and since this in an inaccurate information that is grounds for deletion. Credit agencies are not supposed to be moving my close date as that is incorrect information and trying to keep this inaccuracy on my credit report for a longer period of time.

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 2021-03-25
Company: BTH Management
State: TN
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:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NV
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 noticed that ONEMAIN have placed an inquiry on my XXXX  and XXXX credit file dated XX/XX/2019. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested ONEMAIN and XXXX and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural  person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: EQUIFAX, INC.
State: DE
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:
There is an unauthorized inquiry made by XXXX, XXXX XXXX XXXX, XXXX XXXX MD XXXX. Made several phone calls and filed and official dispute. Advised to call to creditor who has no record of inquiry. Bureaus refuses to remove inquiry.

Company response to consumer: Closed with explanation