BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
It is quite obvious based on our dealings with this individual XXXX XXXX of TD Bank Commercial Lending that he is discriminating against me as a very well qualified individual for a commercial mortgage for XXXX XXXX XXXX XXXX, after wasting more than weeks of our time, escalating documents required, when we have perfect credit, a thriving business even during coronavirus shutdowns and race riots, etc. He has insulted us, talked down to us, and denied us a mortgage even without presenting us a formal letter based on objective criteria, simply because he " can. '' I am certain he approves similarly situated white men and XXXX men under similar circumstances, all of the time. Please investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018 TD Bank is blocking my external application to transfer my funds from my account to XXXX XXXX. 
I called Td Bank and they refused to unblock my account access

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Choice Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian is reporting inaccurate late payments on my credit report that has affected my ability to obtain credit and obtain employment, I was recently denied a job due to inaccuracies on my credit report. I disputed the late payment history with XXXX XXXX and they responded admitting to their errors. They are reporting XXXX, XXXX, XXXX as late when this is not accurate information. My payments are taken out of my checking account automatically every month ; 5 days before the payment is due each month. I was NEVER LATE, ever! I have disputed this incorrect information with Experian in the past and the information was not changed after their " investigation ''. 

Please update this information immediately as it has hindered my ability to obtain credit and employment.

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 2018-01-27
Company: Experian Information Solutions Inc.
State: AZ
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 recently became aware that I have fallen Victim to Identity Theft. My information was stolen and used without my knowledge in an attempt to open new lines of credit. I have notified and made attempts to contact all three credit bureaus to discuss Identity XXXX Resolutions. Of the three, XXXX was the most responsive. XXXX began immediately removing several of the accounts and information on my credit report that was a result of identity theft/ ID XXXX. 
________________________________ I have been able to successfully lock XXXX and Experian credit reports. I'm still unable to successfully use XXXX XXXX through the XXXX XXXX   XXXX site. This has caused me to receive another new inquiry in addition to the ones they have already removed from my XXXX credit report. This comes even after the initial 90-day XXXX   alert that was placed on my credit report XX/XX/XXXX. 

The Experian and XXXX  customer service representatives I had spoken to were unable to provide any assistance or identity theft resolutions. In fact on two separate occasions when I attempted to contact Experian and XXXX customer service, coincidentally both of their " systems '' simultaneously went " down '' they were only able to repeatedly instruct me to " call back again later ''. 
___________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The fact of the matter is that fraudulent information on my credit report which was a result of identity theft remains and continues to be reported by these Credit Bureaus after they have received notification of such fraudulent information on the report. 

Documentation that was sent to Experian, they XXXX  and XXXX included : ( All of these reports are attached ) XXXX XXXX Police Report XXXX XXXX Police Report ID Theft Affidavits ( Signed and Notarized ) FTC Identity Theft Report In addition to these reports, you will find attached one file which lists each account and inquiry that appear on my credit reports as a result of identity theft. All new information reported after XX/XX/XXXX, resulted from identity theft and is considered fraudulent information. It's my right and the duty of the credit bureau to permanently remove this information from their respective reports.

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 2018-01-27
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a promotion with Sears master card that would expired in XX/XX/XXXX. 
My balance was {$500.00}. 2 months before the promotion expired, I made a full balance payment in XX/XX/XXXX. In the same month I started another promotion thinking my balance was paid off. 

Sears instead taking my payment and applying towards my balance, took my my full balance payment and apply towards the promotion i just started, therefore it seemed like a still had a balance from my previous promotion. 

In NXX/XX/XXXX sears applied {$610.00} in interest charges and refuses to solve this problem. 
Sears was deceiving towards the end of my promotion and it is trying to make money praying on misinformed customers.

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 2021-06-21
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/XXXX {$980.00} withdrawn without my permission. 
XX/XX/XXXX{$2300.00} withdrawn without my permission One other attempt which was submitter for authorization and I detected and denied. Do not know the date but believe was in XXXX and for {$2300.00} ( Has been deleted from my statement information ).

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 2019-01-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Investigation took more than 30 days

Complaint:
Early in 2018, I filed for CH XXXX bankruptcy. During this time, I was 100 % payment history on my auto loan. During the bankruptcy, they took away my permissions to pay online, so I attempted to call in. They assured me that there is no issue, and I will be able to make payments online shortly. I called a few times during my bankruptcy to try to make a payment, but was unable to. When The bankruptcy finalized, they told me I'm over 3 months behind. I made MULTIPLE attempts to make payments on time, and they are now hurting my credit score because they were unwilling to take my payment during bankruptcy. They still refuse to assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: Experian Information Solutions Inc.
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:
inaccurate information being 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 2020-06-26
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have contacted the merchant and pay pal with supporting photographs of receiving WRONG product. This has not been resolved since XX/XX/XXXX, Pay pal representative, XXXX, directed me to return product to address on XXXX XXXX. 

To further upload tracking and receipt to PayPal.com/Il/uploaddoc I called to follow up and representative told me i had to wait for an email correspondence and was unhelpful in assisting my resolution of a three week open case for a product refund that I DID NOT ORDER

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-03
Company: OPORTUN FINANCIAL CORPORATION
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Attempted to switch account after closing original bank account used. Account never switched over and missed payments started to occur. Attempted to reach company a second time after getting calls from references about being contacted. I requested them to stop calling them at this time. And requested for payments to be automatic once again after making a payment to bring account current. Again, received a call from a family member about being contacted when reached out to company again, this time fees were up to about {$300.00}, {$85.00} is one regular payment and requested to speak to a manager. Manager gets on line and starts throwing jargon at me, referring to the loan 's amortization table and trying to explain the fees added, when in reality fees would have been avoided if taken out of proper account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-10
Company: Bread Financial Holdings, Inc.
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:
I disputed with the credit bureaus as well as XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ( XXXX XXXX ) to validate and account that they claim belongs to me, they sent me a letter on company letter head stating that I owe the debt to the name XXXX XXXX. They have no other identifying factors to validate the debt. They are in violation of the federal and the state Fair Debt Collection Practices Acts by not providing how these debts were validated and no contract with a signature, not even an electronic signature. 

XXXX Account Number : XXXX XXXX XXXX A Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: ACIMA CREDIT, LLC
State: FL
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:
on XX/XX/2020 I received an email about a new account added to my credit report i got several alerts about it from a few credit monitoring services. I noticed an account was showing from acima credit services which I did not open. I have fraud alerts on all my credit reports and a phone is listed to call for any new credit due to my x wife having access to my personal information. no contact was made by acima credit before the credit was extended. i have no idea what the credit is for or did I give permission for it to be granted. i have a FTC identity theft report filed case number # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Fay Servicing, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Refinance Fraud, Loan Modification Fraud, and Insurance Packing letter sent requesting info XX/XX/2021 mortgage loan research XXXX XX/XX/2021 Fay Servicing {$15000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX amount due unknown XXXX XXXX XXXXXXXX XXXX amount due to unknown flooding my mailbox with mail and uncertified threats no notice letters for loan transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: FL
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:
The problem is with Equifax and I have tried to contact them for almost two years to correct information and unfortunately I have no success with this company. Recently, on XX/XX/XXXX, they asked me for documents, letters and ect. to verify my identity I sent them again for two previous years sending them to try to solve this problem and even having the documents they requested letters and the. correct information speaking with the correct representatives with supervisors they still tell me that I have to wait and keep waiting to update my information and to have access to my credit information something that seems impossible to me and with a lot of disrespect they simply tell you you have to wait. How much time should I wait to see my information? My credit report is my right. Something is being violated. Please, I need help. I need to use my credit. This is affecting my life and my chances of growing and my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I see my loan balance as {$330000.00} when it was transferred to Nationstar Mortgage LLC d/b/a Mr. Cooper on XX/XX/2019. I got a statement from XXXX ( my original mortgage company ) on XX/XX/2019 and the ending balance at their end was {$330000.00} at the time of transfer. The same amount was shown in the last monthly statement I got from XXXX. 

I contacted XXXX and they confirmed that they transferred {$330000.00} to Mr.Cooper. 

I informed Mr.Cooper about this issues on XX/XX/2019 through an email from their website. I was told that they are researching the issue but I never got a proper response after multiple follow ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX, XXXX and Experian are falsely reporting incorrect information on my personal credit reports. There's a list of inquiries on my credit report that was never authorized by me. These inquiries listed below was executed without my consent or knowledge. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX - FINAL PAYMENT {$1700.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, 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:
I was A victim of identity theft. XXXX XXXXXXXX had marked me late payment for charges that didnt belong to me. I addressed the issue and they removed the late payment. 
six months later they have updated the reports and are re reporting the same issue from identity theft. Now it is causing damages and keeping me from being able to get A home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I was in my local laundromat, when an XXXX guy came to me and started conversing with me. Please note that, its been only 3 months, since I have been to this country. So after a bit of conversing, he told me that his bank account in XXXX  was frozen and he needed help with his bank, so that he can avoid the overdraft fee. He said he'll give me a check and take cash on its behalf. That's my biggest fault, I trusted him because my experience in US was pretty good so far. People were really warming and helping to me, so I thought, I should return the favor. We walked to the ATM and he put in a check for XXXX $ out of which I got XXXX $ in my account then and there. He then proceeded to make a withdrawal of XXXX , saying that 'I 'm leaving some for you, because we should be looking for one and another. '' The money order, which was from XXXX XXXX, still showed processing. So the guy gave me his phone number. After we parted our ways, I was still very worried and I tried XXXX for situations similar to the one, I was in. Surprisingly I did find a similar kind of a scam. So I ran back to the bank, they told me that, since the withdrawal was done in my presence, I was to be held responsible and that I should go to the police. I did that. The cops said that they'll lodge a complaint once the check shows up as a bad check. 
Next day to my surprise, the check did get cleared. That gave me some hope. I got the money in my account. I was still worried so, I took all the money and transferred it to my friends bank ( left only XXXX $ in my account ) Five days later, the check got a hold and my account was at -XXXX $ including an overdraft fee. The police lodged a complaint and told me that if I give the record to the bank, they'll give me a refund. 
After submitting the police report the bank told me there's nothing they can do because the money I gave was done on my presence so I have to communicate with the party I gave the money to. The scammer isn't going to contact me, is he? The police said, all I could do is go to the court and contest. 
I am an international student, with a huge student debt, I know i was indeed clumsy, but isn't there anyway to help me with this? At all?

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 2018-06-11
Company: BB&T CORPORATION
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:
On XX/XX/2017 I went to BB & T bank to open a new checking account. I asked numerous times throughout the process while opening an account they did a HARD credit inquiry. I was told over and over that they do not perform a HARD inquiry and to stay rest assured if one did show up I could come back and have it removed. 

I ended up opening the checking account. A month later, I checked my credit report and sure enough on XXXX it says HARD INQUIRY " Bb & t Inquiry from XX/XX/2017 ''. 

I went back to the Manager of this bank and he said it should not have happened and they would investigate and someone would call me back. I did receive a phone call back from one of their departments and they told me there is nothing I can do about it. 

I never signed anything for them to do a hard inquiry and was lied to. This is a deceptive business practice. I would have never opened an account with BB & T if I knew there was a hard inquiry. They knew this as i made it very clear by asking multiple times if I would get a hard hit on my credit report. And I was lied to. 

I want this unauthorized inquiry removed from my credit report. 

I also would like to see BB & T issue a training memo to anyone employee that can open a checking account that requires them to inform customers that a hard credit inquiry will happen if this type of account is opened. And a disclosure form should be given to the customer explaining what this means. 

My ultimate goal is for BB & T to admit they were wrong and I was lied to. Take responsibility and remove my hard credit inquiry from my Credit reports.

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