BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Last night I made XXXX desposits to my Wels Fargo checking account back to back ( XXXX in the amount of {$100000.00}, the other for {$950.00} and the XXXX for $ XXXX totaling {$2100.00} ) I received email confirmations of all XXXX deposits and was told my checking account balance at the time was {$2100.00}. I then submitted a payment to my credit card for {$2100.00}. This morning I received an email alert from Wells Fargo confirming my deposits, but it only confirmed XXXX of my XXXX deposits- the XXXX deposit of {$200.00} was not credited. I immediately called in and was advised by the Wells Fargo agent that he could see the {$200.00} but that it was showing on my " bank card '' but not in my checking account.. I have no idea what that meant, I depsoited all XXXX deposits in my checking account and told him I have the email. He transfered me to the claims department, who set up a claim for me and gave me the claim # XXXX, I then asked that since they saw my {$200.00}, that someone issue a provisional credit for the {$200.00} so that when my creditor presents the payment I authorized that it would not return unpaid. So they transfered me back to customer service to get the credit issued. While in Customer service I was told that credit is issued by the claims deptartment, not customer service, I became upset because I had just been on with the claims department who transfered me to customer service so I asked to speak with a supervisor, XXXX came on line and advised the claim that was set up for me was the " wrong type of claim '', so she closed out that claim and opened another one and gave me a new reference number XXXX ... she then told me someone in claims had to give me the provisional credit and got me to claims again, I spoke w. XXXX ( who was very rude ) she got me into the consumer phone bank in XXXX Texas who was also very rude and unhelpful, she transfered me over to another supervisor who i spent another 1 hour and a half with trying to get in touch with the claims department. At this point, my creditor has put through the intended amount of {$2100.00} and my account is now over drawn as a result. I am so furious! I find it appauling that Wells Fargo held on to my money and did not appropriately credit my account and caused me to remain on the phone for hours and now an over draft to my bank account. I 've attached the receipt for the {$200.00} deposit that was omitted from my account along with the balance that should have been on my account of {$2100.00} ( Which would cover my payment to my creditor for {$2100.00} )

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 2020-03-17
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I recently pulled my credit and noticed inaccuracies I reached out the credit companies and bureaus. The companies removed the fraudulent accounts from my report with no issues all except one bureau that was XXXX  they kept an account from XXXX XXXX  XXXX and TD target none of these accounts were authorized to be opened by me or anyone associated with me on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2021-01-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed these collection with the credit bureaus 3 months ago and have not received results. I find it weird that XXXX was the only one who deleted the accounts. All the other bureaus have not even conducted an investigation. If they have, I am 100 % sure that they were not able to verify the debts because XXXX couldn't. Don't they get the information from the same creditors? Hmmm. Anyways it has been over 30 days and after doing some research of my own I realized that these accounts must be deleted because the investigation took longer than 30 days 611 ( a ). 
Please delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went to TD bank at XXXX XXXX XXXX, XXXX, NY XXXX planning to open a checking account. The associate that assisted me, XXXX, put the wrong address and e-mail in the system while assisting me to open a convenient checking account. Since the information she put in was incorrect I requested her to edit the information she put in. She refused to correct the information she typed in and forced me to sign the documents. So, I refused to sign the documents since she put in the wrong address and email. The whole process was frustrated and waste of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-01
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I applied for a student loan deferment on XXXX XXXX, XXXX they took my payment on the XXXX of XXXX from my XXXX bank account. 
They lazy agent said they were gong to put through a deferment. I am still getting phone calls and the deferment has not gone through.. 
I am not able to get a job due to my health problems. I can not get a appointment till XXXX of XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I recently reached out to the XXXX because of an account that is showing up on my credit report. I notified them letting them know that the account # XXXX was incorrect and doesn't belong to me. I asked them to remove the information because it was reporting wrong information. I asked them to send me information about hw they verified it with the original furnisher and they didn't send me anything from the city of XXXX. They said they already looked into it and wasn't going to do it again. At this point I feel like my request is being ignored and pushed to the side. I don't undertsand how XXXX is saying one thing, experian is saying something else and XXXX doesn't show anything at all. There is no account on XXXX and I told Experian and XXXX the say thing.

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 2021-01-11
Company: Experian Information Solutions Inc.
State: SC
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:
Experian has failed to properly investigate and verify a negative account on my credit report after delivery of multiple letters from myself. My last letter was sent on XX/XX/2020 and delivered on XX/XX/2020. I gave them 30 days plus more and they have yet to respond or send me an updated credit report. Experian did not show evidence on how they verified the negative 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 2021-03-12
Company: SYNCHRONY FINANCIAL
State: UT
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:
I made a payment in full on my account on XXXX XXXX, 2020 for {$1600.00}. the amount was deducted from my bank account XXXX XXXX, 2020. The amount appeared again on the next months statement and has continued to do so since. I've tried many times to resolve this with Synchrony and keep getting told to wait 1-3 billing cycles to see if it resolves. It is XXXX affecting my credit and we are trying to prepare to make a home purchase. This needs to be resolved immediately as I've been trying to allow Synchrony to do so for several months.

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 2021-01-11
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
The billing statement with closing date XX/XX/XXXX Account ending XXXX, the pay overtime direct, pay overtime travel, pay overtime select, promotional sign & travel rate expired, promotional pay overtime direct rate expired and cash advances. Neither of the above features did I agree or gave consent to add and apply these features to my billing statements. Just like in the pass also American Express added additional car rental insurance fees features to my billing statements without my agreement and identity theft protection features also without my agreement. This is a violation of the TILA act law adding features to my billing statements without my agreement or consent. On the billing statement XX/XX/XXXX on page 5 of 5 of important notice EFT Error Resolution Notice it states we will investigate your complaint and will correct any error promptly. if we take more than 10 business days to do this, we will credit your account for the amount you think is in error. In this case the total balance is in error this complaint has been in dispute several occasions most recently on XX/XX/XXXX with me and CFPB with no response, therefore its been more than 10 business days and they will have to honor their XX/XX/XXXX billing statement on page 5 of 5 of the EFT Error Resolution Notice statement,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
At ot around XXXX Lobel financial send a tow truck company to repossess my car. I was not home but my mother XXXX several of my family members were home a sleep the man banging on the front door waking everyone in the house and disturbing the peace. I feel this violate the XXXX fair debit collection in business and professional code.. I did not receive any documentation from the tow truck company. my car windows do n't roll up on XXXX side of the car and XXXX does n't go down I feel that my truck is not safe. They did n't give a invoice of the property in the truck. I called the company they had no idea what tow company has my car or were its at. And told me to call back very rudely. This is my frist repo. 
I just got a transmission rebuild that cost XXXX in the begging of the year. lobel fincal knows my car was a lemon. And told me there 's nothing they can do about it. The car value on paper is not the proper price for the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: M&T BANK CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
I wS informed that I would be receiving a card with my stimulus money on it and I never received it. When I look it up it states that I received it. But I never received anything. How it that possible

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 2021-01-11
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 {$4400.00}. 
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 XX/XX/XXXX and the subsequent response received on XX/XX/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. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -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 2015-08-27
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I constantly received voice messages threatening legal affidavits and final warning before they take me to court but do n't tell me what this debt is about. they recently contacted my sister about this debt and told her that she needed to represent me in court, they left a voice message with her social security number and other information about her. she was upset and called back and told her they could not give her any personal information yet they had all of her personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: GA
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XXXX : {$74000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} FA XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$68000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: TX
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:
It is wrong for companies to receive authorization and permissible purpose to access a consumer 's credit report but then hire another company to acquire the report. The XXXX XXXX XXXX 's ( CRA ) are allowing this by not requiring all of their clients to have permissible purpose and authorization in their respective name. The risk of a person 's private information then increases because companies are violating the FCRA. I was surprised when I saw Factual Data on my report and called. They are a lax company owned by a very large company.. 
I was hit by thieves that had too much of my 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 2022-10-12
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: FORD MOTOR CREDIT CO.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Our credit union refinances other lenders ' auto loans to save our members money. Even though we have a signed authorization, Ford Motor Credit will return our checks if there is any request to mail the title to the credit union. They are using this tactic to delay payoff and accrue additional finance charges ( and possibly late charges ) for the borrower. FMC claims it is a liability issue, but most credit unions recognize this for exactly what it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am a retired senior citizen living on a fixed income. I make my mortgage payments every month to Fifth Third ( 5/3 ) Bank. In XX/XX/2021, my city substantially increased my summer and winter taxes causing my mortgage payment to be much higher. Because I receive the larger portion of my income later in the month, I am not always able to submit my mortgage payment on the first of each month or during the 15-day grace period. My payment is made on the XXXX of each month or 2-3 days after this date. Nevertheless, the payment is made every month. On the XXXX or the XXXX of the each month, I start to get harassing phone calls from 5/3 Bank. I get a call once every morning and sometimes twice a day up until the day that I make the payment. In addition, I receive email messages regarding my account needing urgent attention. I have explained my situation to 5/3 Bank twice and I have asked if they would change my mortgage payment due date to the end of each month. They have refused to change my due date, I am paying late fees and I am still getting harassing phone calls. I'm a senior on a fixed income and I pay my mortgage every month. My mortgage is the first bill that I pay every month. It is hurtful and stressful that 5/3 Bank calls me every morning ( sometimes waking me up ) considering I have asked for for their help with changing my payment due date. They would rather call me and harass me every day and charge me late fees. I would like 5/3 Bank to have some empathy and allow me to change my mortgage payment due date to stop the late fee charges, email notices and harassing phones calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
EQUIFAX -- I have a credit freeze which i placed in XX/XX/2019. I attempted to lift the freeze in XXXX, but the online portal would not let me do so. Said to call in, so I do and it says to go online and try there ... which sends me back to calling. And in all this, I CAN NOT get to a live person. No one calls back. I put in for a call back in XXXX at least once or twice, nothing. I need my freeze temporarily lifted and I do not know why Equifax can not have a live person somewhere available on a call ( that can help with FREEZES ), or get a call back. This is completely ridiculous. I froze my credit to keep me safe, not to make it difficult to ever use my credit again.

Company response to consumer: Closed with explanation