BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-08
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a basic checking account with T.D. Bank in XXXX, XXXX. I was told when i opened the account that, if i chose i could allow overdrafts on the account with no fee if repaid within 10 days or something like that. I told them no, i absolutely did not want that service on the account, and was told i then had overdraft protection and could not overdraft on this account. Because of personal unforseen circumstances i was forced to move from the area unexpectedly. The last time i used my debit card i had around XXXX $ left in the account. Not having access to the bank in any way, shape, or form, i assumed the account would simply be closed. Now i have settled in XXXX and been denied a checking account on the basis of a report from " XXXX '' which claims that my account at TD. Bank was overdrawn by an amount of XXXX cents!! Needless to say they then of course added their standard fee of XXXX more dollars to that for a total of {$35.00}. I then called the branch where i opened the account to find out how this even happened, and how i could resolve the problem if possible. I was told that once an account is charged off there is no information about the account on file except the amount owed, and that i could only pay the amount due in person. Being in XXXX XXXX there are no branches of TD. Bank so i asked if my brother or sister could do that for me and was told yes they could provided they had my account number and s.s. number. My sister went and attempted to do that for me and was told she couldnt do that without power of attorney! This whole situation is totally ridiculous! I also requested my report from chex systems, which was supposed to take 5 business days, and ended up taking 3 weeks, and it told me absolutely nothing other than being reported by TD.Bank for the overdraft. I really feel like both TD. Bank and XXXX are wrong and pretty shady. I know that chex systems reports anything reported to them without any type of proof or documentation. That in and of itself is wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Within Equifax the accounts of XXXX XXXX Account XXXX is not mine and XXXX Account XXXX is not mine and I have reported it to the police. The account has not been removed from my credit report. I have attached the police report to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had four credit cards issued to my business. When my business failed in XX/XX/2013, my business settled the payment of the balances for each credit card. A portion of each balance was paid in cash and a portion was classified as income. 

As a result, all credit cards were settled in full by the business corporation. However, my personal credit reports still reflect the payment history. I want all four payment historys to be removed from my personal credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
TDBAnk/ Target refused to accept credit counseling agreement and sent me XXXX notices stating that I can workout payment plan.The credit card company has since accepted monies dispersed from credit counseling agency, however keeps piling late fees and from a XXXX credit line I now owe XXXX ever since I had initially enrolled in credit counseling this company will refuse top agree to proposal to purposefully and tactfully raise my amount due quickerTarget acct ID # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Senex Services Corp.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been in contact with the original creditor on this account that is over 7 years old. At the time of service I had insurance and the company shows that my insurance paid the bill an that I no longer owe them anything. While waiting on my insurance to pay the counseling office Senex bought this account and has reported it to my credit. I have tried to contact them through certified mail for them to remove this off my account, they will not respond to my mailing. I have called them and they refuse to communicate with me just demand that I pay them even though the account is not owed any money. They have now been violation of my rights for over 30 days, and refuse to delete the account. Todays recorded conversation shows a new violation the lady was able to tell me what procedure I had done with who I meet that day and medical conditions therefore violating my HIPAA rights. I have this recorded on my phone as I have been keeping all documents and recordings with this company. I have all my credit reports for the past year every 3 weeks I collect them and they fail to update my report or remove themselves from my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Seterus, Inc.
State: WI
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Beginning with XXXX XXXX XXXX selling my loan to Seterus, debt collection their customer assistants and " supervisors kept informing me that I had filed for bankruptcy ( I have never been in bankruptcy ) 3 months and numerous phone calls yielded only idol promises that it would be taken care of without any success, so I could not make my first paymentand then a second payment and into the third payment which were in my bank waiting to be processed to Seterus. I finally spoke to someone that returned my call 20 minutes after we had spoken to inform me that I was right there was no bankruptcy but now they would need all 3 months of the mortgage including late fees. Due to a hardship I have fallen behind 2 months on my payments and had filed for modification. Once again the constant problems continue either I was getting letters stating they had not received all paperwork that had been included in the first request. Resent paperwork 3 times now. They were going to allow a forbearance due to a box that was checked, on the paperwork, that should n't have been. Resent All required paperwork once again with a detailed hardship letter and now less then two weeks later have now received a letter stating they can not approve me for a modification due to fannie mae stating that my financial information has been determined that I am not at risk of default because I did not document a financial hardshiop that has reduced my income. Could n't have been much clearer than then the hardship letter explaining my part time job had been discontinued in XXXX thereby deducing XXXX a year less. And because I am a senior citizen, plus, I really have very little options on positions in my marketplace. This would seem to be a conclusion for any cooperative company that it will be difficult to continue my current mortgage payment at the amount it is at now. In addition have received two letter stating that they are going to start the procedure for foreclosue. ( What ) I have equity in my home I can sell it but because this spot and land has been in the family for 70 years and my husband and I built this home 24 years ago ( he passed away XXXX ) I really choose to be able to continue living here. 
I have worked in the real estate and mortgage company for 40 years but I have never found a more difficult and almost impossible, to understand, company as XXXX has been.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX, XXXX of 2016, I was late for the Target Red card credit card payment because I was overseas. When I called Target Red card service rep, they helped me with the payment, and I paid off the balance in full. To avoid further late payment ( I do n't really use this card that often ), I requested for autopay so that I do n't have to worry about being late again. Target on the phone said they would set it up for me. I appreciate her help and thought that I had autopay In XXXX I spent {$32.00} at Target and I did n't read the statement when it came. It was n't a big purchase so I disregarded the statement. I also know in the back of my mind that I had autopay and that it will automatically deduct and pay back. 2 months went by until I was in store and my purchase was declined. It was then that I found out I was deliquent by 2 months I immediately paid, but I was too late and Target reported my deliquency to the credit bearu. This is the first time I was late for any payment. I had XXXX payments lifetime payments and XXXX payments were on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Equitable Acceptance Corp
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I contacted XXXX XX/XX/XXXX because I wanted to get my student loans situated and take part in the Student loan forgiveness program. I called and spoke with XXXX. I told him my situation and what I was wanting to do. He said they would help me get my loans consolidated and start the repayment plan. They went into my XXXX acct and setup a username id and had stuff sent to an email address that is not associated with me. I found all the out because I received a bill from XXXX stating I owed {$930.00} by XX/XX/XXXX. After contacting Fedloan I found out that everything they said they would do was not done. They were supposed to submit my forms so that I could be put on Student Loan forgiveness plan they did not. I have been paying them a monthly fee of {$39.00} since XX/XX/XXXX and for nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I HAVE BEEN TRYING TO FILE A DISPUTE BUT I CANT ANSWER ALL THE QUESTIONS AND ITS VERY SUSPECTUAL THAT SOME OF THE THINGS THEY ARE ASKING ME HAVE BEEN DONE BY SOMEONE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been paying my Car payments on-time and within the agreed terms before XXXX of every month ( XXXX XXXX allows 10 days gace period ) as agreedtowards my Car payment to the XXXX XXXX XXXX. 
All the XXXX credit Bureaus ( XXXX, Equifax & XXXX ) have been reporting between 10-14 late payments ; although I have PAID -IN TIME. 
Kindly take necessary action againist all the XXXX bureas

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: AmerAssist A/R Solutions, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
At the end of a lease from an apt . when my son was in college, balance was suppose to be paid by all tenants. I paid my sons part and XXXX other other men paid their part but XXXX of the boys did not pay his part and it is showing up on our credit because the lease was signed by all XXXX guys. The guy refused to pay the difference and it has been sitting as a bad debt on my credit even though the collection agency agrees that they show that it is owed by the XXXX party but they want me to pay his debt to clear my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/2016 I filed a dispute regarding a hard hit inquiry on my Equifax credit report. The hard hit inquiry was conducted by XXXX. I never received an answer or result of the investigation by Equifax and therefor Equifax is in violation of the Fair Reporting Act. Equifax actions is resulting in a negative impact on my credit worthiness and credit score. CFPB Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
As part of a divorce settlement, I signed a Special Warranty Deed, drawn up by my attorney. According to the State of Texas, I am no longer an owner of this property and not responsible for making payments. My ex-husband does not show enough income to re-finance the home in his name only, so my name is still on the mortgage documents with Wells Fargo. In XX/XX/XXXX and XX/XX/XXXX, the payments were made more than 30 days late. This is now reflected on my XXXX credit score. My score dropped for the high XXXX 's to XXXX due to the late payments and will remain so for seven years or longer. Due to the low credit score, I am unable to get a loan for anything, have been turned down when applying for an apartment lease, would not come close to qualifying for a loan for a home for myself and my XXXX children, and could be harmed when seeking new employment. I have, in essence, been held responsible for a debt I no longer owe according the the laws in Texas. I contacted the XXXX credit bureaus to dispute the derogatory comments on my reports.While they did not remove the items, it is listed as " disputed '' on each negative item. On XX/XX/XXXX I contacted Wells Fargo bank to explain the situation. While I am not expecting them to remove my name from the mortgage, I do expect them to report to the credit bureaus that I have made a formal complaint and remove the derogatory comments. Their reply was that they could not do anything help me. Their advice was to contact my attorney and force the sale of the home. I do not have the {$7500.00} deposit required to hire yet another attorney to force the sale of the home. The mortgage still has 15 years remaining until paid in full. This means that for the next 22 years my credit could reflect a negative comment every time the mortgage payment is not made on time. I am being punished for the bad acts of another with no chance of relief without spending thousands of dollars I do not have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Requested the following account ( XXXX XXXX XXXX XXXX ) be deleted from my credit report, and the Credit Reporting Agency has refused. XXXX XXXX XXXX has refused to verify this debt in writing as per FDCPA, despite my numerous written requests. I am attaching several copies of Certified Return Receipts sent to XXXX XXXX XXXX and XXXX XXXX XXXX ( acting on XXXX behalf ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear Equifax credit reporting, Hi Rep this is XXXX XXXX the following account was deleted from my credit files due to Identity theft/Fraud. You guys are over 60 days late deleting. the Companies has deleted these XXXX following accounts over 69 days ago. can you please follow through and Delete these XXXX accounts. They have already been investigated along with Affidavits sign. I have also received a letter from One company saying they submitted it for deletion and you guys are still the last to remove. 
I know you guys are very busy I have written 2 letter to you guys but no response. The accounts to be deleted is 1. XXXX XXXX {$780.00} 2. XXXX They have been removed from my other credit reporting burials. Thank you very much for all your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Applied for a modification on XXXX/XXXX/XXXX. I called today on XXXX/XXXX/XXXX to find out the status and was advised by XXXX ID # XXXX and advised that the loan was ineligible to reactivate based on affordability and no change in circumstance since prior re-entry on XXXX XXXX. I would like to know the income that was considered in this review and the income that was considered in the XXXX XXXX review as the representative advised she could not give me that 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 2016-12-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed bankruptcy in XXXX XXXX. My credit report states and have stated it would come off XXXX XXXX. I have disputed this action with equivalent and they states that it can stay on my report for up to ten years. I ask what factors that in or what or who decides that it has to stay on my report " UP '' to ten years. It has been to my knowledge and when I filed by my lawyer at the time it could be from XXXX 10 years. As I stated my report says 7 years by the date, it does n't state ten years. I can not get no straight answer from Equifax on why and who decides that it must stay on my report up to ten years. They say the are going by the fair credit reporting act but when I call to ask the same question to frca, the agent as well could not answer why or who determines that it stays on credit report for up to ten years. I requesting it to be removed because by the suggestion of my lawyer saying I did n't need to go through with it, since my situation worked out. So I just been waiting out my years for it to fall off

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have attempted to file a credit life insurance claim with Wells Fargo Home Equity on a HELOC that was extended to my mother in 2009. She paid the premium diligently every month. In XXXX she passed away after a long fight XXXX. I have visited XXXX branches, called the customer service phone number, spoke with their collections department and been shuffled around for 5 mos in an attempt to have the HELOC paid through the life insurance it was protected with. I was initially told by the branch manager at the XXXX MI branch there was no insurance. I persisted knowing there was as you could see the premiums paid on the statement. I was then given information for the insurance company and filed a claim. I took the paperwork I received into the XXXX XXXX XXXX XXXX XXXX and was told by a banker and the branch manager that they did n't know how to complete the portion that was required to be completed by Wells Fargo and that I could just complete it myself. I called the insurance company and they said to send it in without that portion completed so they could process the claim. A few weeks later they sent me a letter saying they do not hold the policy for this loan. 
I began making payments on the loan as they were threatening repossession of the home my mother left to me. When I reached out to the collections rep he told me that if I can not afford to pay the loan that I should just sell the home or do a deed in lieu (? ). It is like they are not even listening to what I say. In a final attempt I sent a written letter asking for their assistance in resolving this and giving them 5 business days to respond. I was contacted by phone and told they were hoping to have an answer for me by today. I also received a letter addressed to my mother saying since they can not discuss the loan with me they are writing to her. My mother is dead, I have n't heard from then again yet, I need help ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/XXXX I sent a letter along with a copy of a letter from United States Bankruptcy Court and XXXX XXXX to Transunion challenging the accuracy, compliance and reportability of the bankruptcy on my credit report. On XX/XX/XXXX Transunion provide me with a updated copy of my credit report regarding the Bankruptcy with Transunion only saying the information was updated. XX/XX/XXXX I sent a letter to Transunion asking them to provided documentation on how they came about updating their information regarding the Bankruptcy listed on my credit report. On XX/XX/XXXX I received a updated credit report only this time Transunion saying the Bankruptcy is verified as accurate but they failed to provide documentation on how they verified the information and from who.

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 2016-03-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Equifax put a fraud alert on my credit for what reason, I do n't know. The problem is that I am not able to get credit because they did not include my phone number on the Fraud alert. I called and wrote Equifax asking them to add my phone number to the alert or to remove the fraud alert. Each time I do that Equifax put a brand new fraud alert on my credit. I was denied credit for the fourth time with XXXX XXXX XXXX because of the fraud alert. This has been going on for a year

Company response to consumer: Closed with explanation