BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Fifth Third Mortgage company is still reporting on my credit report that the mortgage was included in bankruptcy in XX/XX/XXXX. However I sold the home in XX/XX/XXXX and the loan was paid in full. I have a paid off letter from Fifth Third Mortgage however Fifth Third Mortgage is refusing to update my credit report. I continued to lay the mortgage and the loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX XXXX,2022 I got a call from someone who stated that they were with wells fargo fraud department and they needed my address and date of birth to verify my account as someone named XXXX had stolen my identity and opened up a wells fargo account in my name. The person stated that that the police had caugto XXXX XXXXXXXX and that I would be contacted due to the identity theft and fraud activity. Once i gave the person my name, date of birth and house address I immediatly got an email that a credit card from wells fargo had been opened up in my name and I was beyond XXXX off because the person that called me pretendig to be wells fargo was a scammer who used my information to open a wells fargo credit card in my name. I immediately looked up wells fargo credit card department on line and told them what had just happned and they verified that I had been scammed as someone had opened up a wells fargo credit card in my name and it was identity theft and I never applied for a credit card so now I have a hard credit inquiry on my credit reports regarding this. I immediatly told wells fargot to close the account, dont send out a credit card and to make sure that the scammer cant acccess anything on my credit report. I also placed a credit freeze on my XXXX XXXX  and XXXX reports so that the scammer couldnt open anymore account or cards in my name.

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 2015-08-27
Company: Focus Holding Company
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was to XXXX XXXX and we had paid the bill. This XXXX called and demanded that I pay them that XXXX did n't have my account now. Continued pressuring me. I asked for them to send a bill for conformation and she refused. I told her she needed to contact their client and she said that I had to prove I paid it. Very rude and disrespectful. I want all communication to cease and ALL derogatory info off my CR. I am seeking an attorney to file a law suite in TN for their unlawful collection attempt. Several of the laws have been broken for TN collection services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Service Finance Holdings, LLC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have called service finance company multiple times throughout the past year and a half if not longer regarding their past due fees. Over the course of the past month and a half two months I have paid what I was told would bring my account current and would be paying only {$120.00} a month by a female representative a month and a half or two months ago. After making the necessary payments over the course of time Im still getting what shows on the statement as past due fees. When my monthly amount should be only {$120.00} and they keep trying to throw this language and terminology around that is a bunch of bull.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: MI
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:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Experian Information Solutions Inc.
State: IL
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 sent final request on XXXX documents that they have in my files as of this date that you used to verify the accuracy of the accounts listed below. Im XXXX Veteran who suffer from XXXX I lost a was denied for a house because they woulnt remove this item in my credit report or correct them. Item ( A ) information mislead incorrect ITEM ( B ) showing information as derogatory Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XX/XX/XXXX, I found an online promotion from TD Bank, NA that promised a promotional credit for opening a new primary checking account on line. I followed all the prompts to open the account, but was presented with a message saying that I must visit one of their branches to complete the process. The next day, I went to the TD Bank office on XXXX XXXX, XXXX, MA. I spoke to a manager and someone who said he was a regional branch manger. I explained my online experience and made it clear to them that I would only open the account if I were to receive the promotional credit. Both told me I would receive the promotional credit upon completion of the opening process, and a 90 day waiting period, even though I was not able to complete the process online. I opened the account, had my pension check designated for direct deposit, and opened a credit card and a money market account. After 90 days, I went to the branch and asked for my promotional credit. I was told that was a separate department and that they would speak to that department on my behalf and give me a call. I heard nothing after 30 days, so I went back to the branch only to be told the same thing. I waited another 60 days with still no reply. I went back to the branch and asked why they were not following through with their promises of customer service. I was then told that the promotional department had denied my request for a credit. You can image how this made me feel. I am now reaching out to the CFPB for help. I can only image that this same experience is being repeated across the country. It is a shame for this large bank to be praying on senior citizens in this way. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Got a mortgage through Quicken Loans - final paperwork was handled through XXXX in XXXX, MI. Mortgage closed on XXXX XXXX, 2016. Mortgage consolidated XXXX loans : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX installment loan and XXXX XXXX car loan. I assumed that when these things were being consolidated into XXXX new loan that the other debts would be paid off - that is how we did things when I worked at a bank in the XXXX. I was disappointed when the credit card was not fully paid and I still had a fairly large interest payment to make on it. But when I found out today ( because I see the balance on my XXXX account ) that the XXXX XXXX XXXX XXXX Installment loan was not paid in full - which explains why I continue seeing them on the Declaration Page of my auto insurance I 'm annoyed. When I talk to XXXX XXXX XXXX XXXX they tell me that I not only still owe {$330.00} on the loan with them but now accrued interest - I do n't think I should be liable. I find XXXX XXXX XXXX XXXX remiss/unethical/slimy because they could have informed me when the loan was attempted to be paid off that it did n't quite do the trick and allow me to pay it off before interest accrued. They have had no contact with me about this underpayment at all! But what really bothers me is that Quicken Loans made an underpayment in the first place. I remember getting loan payoffs and the payoff was good through a certain date and each day after you would add a little on - so we always had accurate payoffs. When I mentioned this to Quicken Loans and XXXX XXXX - both told me they do n't do that except for a mortgage payoff. They just ballpark the number based on what is on the credit report they ran. They told me that we were likely told this was the case. I can only say if someone told me they were ballparking the number - I would have called and gotten payoffs myself - rather than having continued to accrue interest on accounts I thought were paid out. I 'm not sure if this is an illegal practice - or just a shady practice that shows these places do n't care at all about their customers. So I 'm sending my complaint to you so I can find out. Honestly - are all banks shady???? Both XXXX XXXX XXXX XXXX and Quicken Loans have shown me they are!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Alliance One, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On or about XXXX/XXXX/2015 at, XXXX,XXXX,XXXX,XXXX and XXXX I received phone calls from the number XXXX. No vocie messages were left on my phone for a call back. On XXXX/XXXX/2015 I received XXXX phone calls XXXX at XXXX, and XXXX. The phone calls again were from XXXX. On XXXX/XXXX/2015 I decided to call the number back in which the phone operator identified themselves as Allianceone Inc. The phone operator had told me that it was regarding a XXXX Credit Card. I then responded to the operator about receiving debt verification before I was going to disclose any personal information. On XXXX XXXX 2015 I sent allianceone Inc an email requested debt verification, followed with another email dated XXXX XXXX 2015 with no response. On XXXX/XXXX/2015 I sent a demand for debt verification to listed fax number at XXXX. As of XXXX XXXX 2015 I have not received any type of debt verification or communication from this debt company regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have no knowledge of this account and have not conducted any business with the creditor

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 2021-08-03
Company: First Credit Services Inc.
State: MD
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:
Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Report : 1ST CRD SRVC ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX  ) XXXX Balance {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Blackhawk Network Holdings Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XXXX XXXX, 2017, I ordered three {$500.00} XXXX gift cards from XXXX ( i.e. from the " Blackhawk Network '' ). The cards never arrived at my home. When I followed up on XX/XX/XXXX, I learned that the cards had already been used, so, presumably stolen while in the mail to me and used by the thief. One card had one fraudulent transaction in the amount of {$490.00} ; another had six fraudulent transactions totaling {$490.00} ; and the third had three fraudulent transactions totaling {$91.00}. 

The remaining funds on the cards were then blocked. I was instructed that a " dispute form '' would be mailed to me, which I received in late XXXX, completed, and returned via email ( to the address XXXXXXXXXXXX ) on XX/XX/XXXX 

I received no confirmation that my dispute forms had been received, so I followed up in XXXX and confirmed with the company that the disputes were in progress. 

Today (XX/XX/XXXX ), I received three letters from the Blackhawk Network, each dated XX/XX/XXXX, demanding additional supporting information that it is not possible for me to provide. For instance they request " a copy of the front / back of the gift card '', which of course I can not provide since the gift cards never reached me. The letter also asks for another copy of the dispute form that I already provided, and threatens to close the dispute if I do not respond within 10 business days of the date of the letter [ i.e. two days from now ]. 

I intend to respond immediately as best I can, but in order to protect myself -- and due to the exceedingly slow response time by the company [ I have been without more than {$1000.00} for nearly two months ] -- I am now also filing this CFPB complaint. 

In the " account number '' section I will list just one of the three relevant card numbers, but I intend for this complaint to cover all three.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: EQUIFAX, INC.
State: MI
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:
If you take a look at my credit report you will see open accounts i never had like   XXXX     XXXX   XXXX ,  XXXX ,   XXXX   XXXX   in   XXXX   and other inquiries from other states i never been to i dont understand why my credit score dropped so much because of false inquiries thats not even mine i believe someone stole my identity and i swear to you those accounts are not mine please take some time to review my report and call me to my mobile phone if you need any information regarding my case please and thank you i really want my credit score back up and good  XXXX  yours sincerely  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: EQUIFAX, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
I was able to access my Free Credit Report from  XXXX  companies  ONLINE ;   XXXX  and   XXXX    without any problems.     However, when I tried to complete the online process to receive my FREE REPORT FROM EQUIFAX, I was unable to. I was told I would have to submit PAPER COPIES OF ALL THE REQUIRED DOCUMENTS ( S.S. card, pay stubs, etc. ) through the mail.     I feel this is outright ridiculous and would put my personal & credit information in jeopardy.     I do n't see why I should not be able to access this information online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Used credit card on XX/XX/XXXX for {$13000.00} to a vendor named XXXX XXXX  for concrete work at our home. Vendor did not supply services as contracted despite being paid. Filed a dispute with Citibank on XX/XX/XXXX for vendor not delivering services after vendor stopped working on job. Vendor indicated they did not have our money any longer. 

Citibank opened an investigation ( dispute XXXX ) and issued a conditional credit pending outcome of investigation. 

Citibank replied to me with a letter via their internal messaging system on their website, which I did not see, with a respond-to date of XX/XX/XXXX for supporting documentation. When I saw the request on XX/XX/XXXX I immediately called their customer service dept to explain what happened and we told to simply responded to the request and it would be fine. I responded with two .pdf 's with the information they needed to support the fact that XXXX XXXX  did not perform the work they were paid ( {$13000.00} on Citibank card ) to do. 

Citi then posted a letter on their internal messaging system that I had missed the deadline and they reversed the conditional credit. This letter was dated XX/XX/XXXX. 

I communicated many, many times with their dispute center and was told that the investigation was in-fact still open and a decision would come in 7 to 10 days. Each time I called I was told the same thing ; 7 to 10 days. 

On XX/XX/XXXX I send a release of claim of the money from the vendor, XXXX XXXX, to Citibank and discussed with their dispute center. The dispute center said it was an open and shut case in my favor based on this letter from the vendor on their letterhead. 

The last communication I had with their dispute center was XX/XX/XXXX and I was told that the investigation still continues and there is nothing they can do. They told me to communication to the dispute investigators, again, and plead my case. I've not heard anything from Citibank since XX/XX/XXXX ; all of the followup has been initiated by me. 

I am filing this complaint because Citibank is not honoring their commitment to protect in this dispute with a vendor that clearly, and admittedly, did not perform the service for which I paid using the Citibank card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello my name is XXXX XXXX Capital One restricted my account due to receiving a check from XXXX XXXX. The account has been restricted since XXXX XXXX. They took my direct deposit and XXXX excess away. They also misinformed me information on my account. I was told I can not receive any written or email correspondence as to why my account is being restricted. The loan was approved in my social security number yet Ive been told it was in a ein number and it does dont match. I spoke with the lender and the lender clearly stated that there is no issue on there end and capital one has no right to hold the funds. Capital one stated they will refund the funds but failed to do so. Capital one representatives are very rude and obnoxious. I would like legal action against them for I been a loyal customer to them since XX/XX/XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: VA
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 have sent several letters to Equifax in regards to inaccurate information being reported on my credit report and nothing has been resolved. i demand these inaccurate account to be deleted from my credit report immediately. I have attached copies of the letters sent along with proof of identity. if this is not resolved i will seek legal action. this has affected my entire life.

Company response to consumer: Closed with explanation