BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-20
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I disputed 3 collections that was on my credit report. Within that month I decided to buy a house so I called XXXX  and XXXX  on XX/XX/19 to stop my disputes. It's been over 3 months and the dispute are still showing up on my credit. It's now XX/XX/19 my score dropped because every time my credit gets pulled for my loan the disputes show up. Today I called the debt collector Caine & Weiner Co and they told me either pay my debt or submit info about my dispute. I don't want to continue I want to stop any disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX  and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2010 with a credit limit of {$0.00} -This is not my account.

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 2017-06-29
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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 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. They are Unverified Accounts, I demand the following accounts be verified or removed immediately. 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 XXXX # XXXX Moreover, I have never paid late these accounts, please investigate : 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 non-monetary relief
Consumer complaint received 2020-08-05
Company: CBC Companies, 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:
I am filing a complaint due to some unknown account appearing on my credit report I sent out a FTC complaint and CFPB complaint as well .Be advised I am disputing validation and proof of claim of the disputed debt is requested in accordance with the FCRA & FDCPA 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC . 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. Please send me any and all VALIDATION and PROOF OF CLAIM Documentation for the following accounts : XXXX 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 2021-12-14
Company: ALLY FINANCIAL INC.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This debt collector continuously calls monday through sunday from XXXX XXXX XXXX XXXX until XXXX at night. They call at least 3 or 4 times a day and I have paid some amount onto my debt but I can only talk to one representative to pay on it without them giving me hassle and saying I have to pay it in full when I am trying to pay at least some of it. They are very rude too when I answer the call or say I do not have money at this moment but I can pay later. They say they can only take the full amount even though I have an arrangement with a representative. It is quite frustrating and they are constantly harassing me.

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 2017-01-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I applied for a TD Bank Credit Card after receiving a promotion through mail from TD Bank that offered {$200.00} cash back on opening a TD bank credit card account and spending {$500.00} in 90 days. 
I did that and followed up with the TD Bank customer care number few weeks later when the amount was not transferred. They provided me a fax number ( XXXX ) and asked me to send a scanned copy of the promotional offer and assured me that the amount will be transferred in 5-8 business days. I asked for a complaint or reference number so that I can follow up, but I was told that it is not required. I did the needful, but still did not receive any cash back. I called customer care a second time and was advised this time to go to the bank and get my issue resolved. I visited the XXXX, NY branch of TD bank on Wednesday, XXXX/XXXX/2016 and spoke with a representative there. The representative called customer care, faxed the scanned copy of the promotional offer to the same number again and assured me that I will receive my cash back in 5-8 business days. 
When I still did not receive any cash back I sent an email on XXXX/XXXX/2016 to the same TD Bank Branch representative who I spoke to earlier and requested him to look into the issue. The bank representative did not even care to reply to the XXXX emails I sent him to respond. 
I have exhausted all avenues of reaching out to the bank and hence filing this complaint with CFPB for resolution to this issue. Thank you for your services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13
Company: BBVA FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I just received my BBVA Compass XXXX card on XXXX/XXXX/2016 after activating and attempting to use my card at XXXX it was declined. I have no idea what to think about my business interactions with BBVA Compass bank. I have had nothing but issues and frankly this is VERY upsetting. Why is BBVA bank treating me in this fashion? I have done nothing wrong. I called customer service and they informed me the account was opened on XXXX/XXXX/2016 and closed on XXXX/XXXX/2016. WHY ARE YOU DOING THIS? I have done nothing wrong to BBVA Compass to receive this treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX and XXXX ( XXXX XXXXXXXX XXXX ), account XXXX has violated my rights. 15 US 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency absolutely can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new Toyota vehicle in XXXX of 2017 from a Toyota dealership. The vehicle is financed through Toyota Financial Services ( TFS ). Each month I send in approximately {$40.00} extra. I have had numerous conversations with different TFS representatives where I indicated to them that the extra money sent in each month with the payment is to only be applied to principal. TFS continually applies the extra money that I send in to future payments. This in no way benefits me, the consumer. I was told several days ago by a TFS representative that she was going to reapply the extra money I sent in since the loan origination to the principal and provide me with a new loan balance. Today, I received an email with the same erroneous balance and the extra payments advancing the next payment due date to XXXX. Can the CFPB please assist me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Arnold Scott Harris, P.C.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The firm of XXXX Arnold Harris not only filed this garnishment with false information, they knew my correct address at the time of filing but chose not to inform me so I could dispute the claim. They have a document that does not add up to the amount the received. The court document shows a judgement of {$1800.00} plus their fee of {$840.00} for a total of {$3600.00}. I 'm sorry but where I went to school that only adds up to {$2600.00}. Then not only did they over collect for that amount they received an extra {$95.00} over the {$3600.00}. I have given them plenty of time for them to refund all of the overages but as I figured their dishonest approach to collections also includes theft. I have read a lot of the complaints of this company and wonder why they are still in business. I thought these underhanded thug like tactics were against the law and why the CFPB was created. this company has violated every collection policy they can and should be held responsible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am paying additional principal each month on my mortgage w/ Wells Fargo Home Mortgage and have been for years. Now that COVID is happening they are not applying my additional principal towards my mortgage as I have requested each month, paying over XXXX additional, and they are just putting it in an unapplied funds limbo. They will not fix it and will not call me back. They removed the option online as well to pay additional principal so each month you have to call in the payment. They have hung up on me when I have called and have been no help or the phone goes dead and no one calls me back. I have been treated very rudely also and I need help. I pay my bills on time and this is terrible business. Something sketchy seems to be going on and I'm frustrated trying to get my principal down and the company is doing this to me. Please help!

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 2022-07-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have an existing credit freeze with all XXXX credit reporting companies since 2014. I have had special pins and log ons and was always able to unblock my credit for specific companies for short time periods. 

Currently I can not un block my credit with Equifax. I have tried to reset my pass word 3 times online and can not get anyone on the phone after multiple calls. 

I DO NOT WANT ANY OF THEIR STUPID MEMBER XXXX, i don't want emails I just want to block and unblock my credit reports when I need to. 

Currently, XXXX XXXX is reporting an Equifax Member XXXX set up is blocking all 3 credit reports to their company to complete a mortgage application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother had a reverse mortgage with Wells Fargo. I am her executor. I have spoken to Wells Fargo along the way and have always been told not to worry, there is plenty of time once she no longer lives in the house to sell or sign over to the bank, nothing happens immediately. She passed away on XXXX/XXXX/XXXX. Two days later, XXXX/XXXX/XXXX my husband was diagnosed with XXXX. So I was planning my mom 's funeral and dealing with my husband 's XXXX illness at the same time. I did not immediately or for a couple months contact Wells Fargo due to having so much on my plate. When I did, I never received a call back from the person listed in the letters as my contact. Then foreclosure was started. My attempt to deal with a live human being and actually get anywhere was met with countless minutes spent on hold, getting different answers, getting pushback on what was needed to get anywhere. I simply needed to know how much was owed Wells Fargo so I could decide if, based on comps I had obtained, I should place the property up for sale or sign it over to Wells Fargo. Based on their absolutely horrible customer service and living up to past promises, I feel I should be treated with respect in trying to determine the best course of action. Each call I made, I was of course given the disclosure that the calls were being recorded. Therefore I know there is proof of my attempts at resolving this situation without going all the way to foreclosure. I finally, out of desperation, got my mom 's attorney involved, which of course will cost the estate more in unnecessary charges. Surely there is some protection against this kind of behavior. I can assure you we did not walk away from the property and it has been maintained, association fees paid, etc. If I was applying for a mortgage I am sure I would be treated with utmost respect, but after losing my one remaining parent, dealing with that grief as well as my husband 's XXXX, I have been treated like America 's biggest flake. Today, XXXX/XXXX/XXXX, I am awaiting the payoff, which I have been promised through my attorney to receive by XXXX/XXXX/XXXX, so that I can make a reasonable decision on what to do next. I feel Wells Fargo is not acting in good faith, and should be made to correct their deplorable tactics in dealing with family members who have lost a love one, after that loved one was talked into the reverse mortgage with sugar dripping from the mouths of the Wells Fargo employees. I feel XXXX every time I get off the phone with them, which is why I finally asked my mother 's attorney to step in.

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 2015-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern : l have been a client/customer of Bank of America for a longtime and l would like your help CFPB with this dubious issue! Due to a change in my financial income and a substantial-increase in expense obligations, l decided to respond to the correspondence sent to me by, BOA. During that time, l was constantly charged late fee 's due to paying after the XXXX of every month and on occasions was thirty-days late! l attempted to respond on ( XXXX ) XXXX occasions to BOA, ( account supervisor ) as per correspondence sent to me. l left XXXX messages and neither of the calls were returned. This banking practice was previously sanctioned by the U.S. Department of Justice and settled! I then decided a face to face meeting would be better served! So l decided to participate in ( XXXX ) of the ( XXXX ) required Banking community out-reach relief locations for help regarding the loan modification program! However, before l could attend XXXX XXXX XXXX NJ. I received a letter at my XXXX XXXX , with regards to termination of mortgage services. It is my believe BOA deliberately refused to notify me, promptly via : telephone, email, or home-address that their servicing obligations would stop within fifteen-days ; with confirmed acknowledgement. Oddly, weeks before however I received from BOA that my accounts would change starting XXXX XXXX. Not understanding the letter, I went to the bank for clarity. It is my belief, my inquiry in-regards to Bank fees and the lack of major account funds in account caused the transferring my loan to XXXX although competent, BOA Branch Asst. XXXX XXXX, verified my BOA account qualified not to be charged extra fee 's, the bank serviced my home-mortgage and my mortgage was linked to bank account. To find my mortgage would be transferred is a disgrace and a ruse not to comply with the settlement reached between, The U.S. Department Of Justice and Bank Of America, which was reached XX/XX/XXXX. I am very disappointed with the service and treatment of BOA! Additionally, l am trying to stabilize my current financial situation and believe face to face customer service help oppose to XXXX, which operates outside XXXX with numerous integrity issues as per customer based XXXX complaints would n't help my situation nor BOA 's customer service needs or the settlement compliance reached between The U.S. Department Of Justice. 
Please contact me XX/XX/XXXX, they are threatening to transfer my loan at end of business day!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-12-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I need this items deleted from my credit report : XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, NO ACCT NAME, XXXX, XXXX XXXX. Inquiries : XXXX XXXX   XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. 

I have contacted my local police and the FTC. I am doing this on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was tale that money will be transfer from my Merrill XXXX  account into my bank of america account. However it did not happen. This transfer was suppose to happen 3 weeks ago. Nobody responding from Merrill edge.

Another problem is with Roth IRA account. It was forced liquidation of CD that did not matured yet. They did not let CD to mature and they give me much less money that I played for CD

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