BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit 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 contacted TD Bank because in a trip to California in XX/XX/XXXX  my daughter who is the authorize in one of my TD credit card account her credit cards were stolen and TD card had a lot of transactions that were not hers. She called TD bank and reported to TD bank, and TD bank said they were resolving it. Gave me the credit and then they put charged the card again, this is not fair to me, We did not use that card in California. We don't have need to lie about it. This is very injustice that now they are charging me for transactions, charges that WE didn't do in our trip to California. I am kindly asking for help. Please help me investigate this as I tried all I can to tell TD Bank that we didn't do it. On the last letter they said they investigate and if they really investigated, they would of find out that wasn't us. I know TD Bank did not do their job to investigate it thoroughly. WE DIDNT DO ANY OF THOSE CHARGES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/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

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 2023-10-10
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

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 2023-09-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase charges a fee for cash advances that are not true cash advances for XXXX. They are credit card transactions. I am not advised of this fee at time of purchase so this is deceptive and unclear when I pay through XXXX. The Chase customer rep I contacted would not give me any information on when this fee policy was implemented and only said it would be found in my account opening disclosures. XXXXXXXX XXXX is being exchanged so I am not sure how this is defined as a cash advance. Very confusing and disappointing from Chase as I have banked here for many years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I was victim an identity fraud victim. 
The company continues to report fraudulent accounts that were open which is severely hurting my credit reputation and good name. Identity theft is a growing problem in the United States and it can happen to anyone, even you. I ask that you please review the attached document closely and carefully.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 following accounts : XXXX XXXX Account # XXXX, has violated my rights. I do not have an account with this company, and I was never provided the original copy of the contract showing I owe this debt that I have requested for proof from the company which have not been provided. 
15USC 1681-602A states I have the right to privacy. 15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be. deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not included This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.

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 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX : {$24000.00}.

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 non-monetary relief
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following items from my file. 

XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXX Balance Owed : XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$290.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/2018 Reference # : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name : DEPTEDXXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargos letter dated XX/XX/XXXX by mail stated they would provide a response by XX/XX/XXXX to my complaint XXXX XXXX. They had addressed their letter to XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX NY XXXX, see attached. Wells Fargos letter dated XX/XX/XXXX as posted electronically on the CFPB website as an answer stated we noticed your name did not match the name on the account youre inquiring about and we dont have a legal name change document on file. As Wells Fargo knows in my previous correspondence via mail, I had stated XXXX XXXX formerly XXXX for Loan number # XXXX. 
See attached document displaying case details as per XXXX Supreme Court showing the case for the foreclosure was filed against XXXX XXXX and representation prose XXXX XXXX. I am resubmitting my former complaint for Wells Fargo to address. 
As I had previously written, I continue to review my mortgage and the eventual foreclosure. After Wells Fargo sent me back the check for the XX/XX/XXXX mortgage payment and refused to accept further payments, I began to search for an expert in the field of mortgage fraud, which turned out to be XXXX XXXX, owner of XXXX XXXX. XXXX is well known to Wells Fargo. Please see the attached credentials. Soon after receiving her Mortgage Serving Analysis Report, I could not review the report at that time due to personal issues. Since my situation has now stabilized, I have completed the review of the report. For the very first time in Wells Fargos recent letter dated XX/XX/XXXX, they indicated that my payment problem which resulted in foreclosure was between XX/XX/XXXX and XX/XX/XXXX. They wrote as follows The account was referred to foreclosure on XX/XX/XXXX, at which time you were due for XX/XX/XXXX through XX/XX/XXXX payments. Attached is a copy of the report showing the dates I supposedly had a payment problem. As you can see, there was no payment problem, as my payments were current and were the correct amount. Wells Fargo posted my payments. You can see the dates on the report as well. Accordingly, there should not have been a foreclosure. This appears to be a deliberate mistake. When I discovered there was a consent order created for the purpose of settling errors and mistakes, I knew that what they did to me and my family was more than just a simple mistake. Since there is a pending consent order, Wells Fargo needs to make me whole and has to compensate me for the severe damage to me and my children within the context of the consent order. Files attached : Report pages XXXX, Credentials See report page XXXX of XXXX payments XX/XX/XXXX to XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for the SAVE IDR program on XX/XX/XXXX. I've called MOHELA, my servicer, three times since then checking on the status of my application. Each time they've said it will be finished by " next week. '' Still no information. I attempted to call a fourth time, today, XX/XX/XXXX, had a XXXX hour wait, only to be told the customer representative that they couldn't help me with my request. They then " transferred '' me, which evidently took me back to the beginning of the waiting queue, where I waited another hour but I had to go to work before my call was answered. 

MOHELA has been completely unhelpful for the past several months. My online message also hasn't been responded to in the quoted time of three business days. 

MOHELA 's customer service has been unreasonably difficult and completely unhelpful in my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In preparation for student loan repayments restarting I loggined into my Mohela account in XXXX. I have been on a REPAYE plan because I need Income Driven Payments to qualify for PSLF. At that time my monthly payment was listed as {$75.00}, but there was a note stating REPAYE plans were being auotmatically moved to SAVE. On XX/XX/23 I received a letter stating my monthly payment was going to be {$820.00} due on XX/XX/23. Contrary to what i had been told they had not placed my loans on a SAVE plan but on a LEVEL plan, the highest possible monthly payment. At that time I recertified my income and asked for forbearance while that was being process. On XX/XX/23 I logged in and my payment was now listed as {$67.00}. This appeared to be a more appropriate payment amount per my income and I paid that amount. However, a few days later I logged in and my payment amount was {$810.00} with no due date listed. At that time I tried to contact MOHELA customer service and was on hold for 2 hours and unable to speak to a customer service representative. I submitted a complaint in writing as well. On XX/XX/23 I recevied a letter backdated to XX/XX/23 stating that I was being placed on Administrative Forbeance from XX/XX/23 to XX/XX/23 while my IDR application was being processed. However, when I logged on on Tuesday XX/XX/23 my account now says that I am past due {$750.00} which was due on XX/XX/23. This is the first time I am seeing this amount and as of last week no due date was listed. According to my received documents my IDR application has been successfully processed and I have what appears to be my new monthly payment. But according to the home page I am still past due. I tried again to speak to a customer service agent and when I called my account is showing delinquent per the automated message, but I was still unable to speak to a person after an hour on hold. I submitted another written complaint through Mohela. I am still not certain if I am acutally in forbearance, if my payment has been fixed, or if this supposed past due amount ( listed after the due date ) will count against me becuase I can not speak to an actual person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: DISCOVER BANK
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I missed one payment for the first time in my length of credit. In doing this I was working with my bank to figure out the best solution for some type of balance transfer. I was doing this because when making my monthly payment, it was only covering the interest not deducting anything else from account. After missing one payment I was getting phone calls from Discover once to twice a day and on weekends. I feel I was being harassed after one missed payment. I talked to 3 different people on the phone and no one could give me a clear answer about taking interest off if a payment was made. Could not also get an exact amount for what was owed on the card to do a total payoff. The bank ran my credit score for a balance transfer to their credit card. I'm dealing with all this in XXXX month my credit scored dropped over XXXX points and cost me a denial of a personal loan. I feel like this is terrible business practice and felt I got mistreated as a valued customer who has had this credit card for years and missed one payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: CITIBANK, N.A.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
When I logged in to my Citi account I wanted to send money to my wife via XXXX. I send money to her monthly in the amount of {$1800.00}. the web page asked me to verify my email, but in fact I was registering my XXXX account as if it was brand new. Once I got to the sending page there was a limit of {$500.00}. 
It was a long convoluted process to get out of the automated attendant and get to the proper person, In the wire department. 
In summary they said that even though they tried to change my identification back to my phone number there was no way they could increase my daily limit and it had to be done " over time ''. 
This is not helpful as I have been sending money via XXXX for years and my last payment was in XX/XX/2023 in the amount of {$1800.00}. 

This is causing me added costs, time and consternation as my account was working fine. 

Not at all helpful. Now I have to withdraw the funds manually and put the funds in the receiving account. 
Horrible experience and really no help from Citibank.

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 2023-09-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check in the amount of {$3600.00} on XX/XX/2023 into my personal checking account through the mobile banking app. Truists XXXX XXXX department suspected the transaction as fraudulent. Truist not only put a hold on the deposit but froze all accounts, including our business account, until the investigation is complete, which can be up to XXXX business days. We can not deposit nor withdraw any of our cash. All of our funds are with Truist. We have no money for XXXX business days. My husband is unable to conduct business until the investigation is complete. I requested proof of fraudulent activity but was told its merely under investigation. While I appreciate the need to investigate, preventing our family of XXXX from accessing our money feels criminal. For what its worth, the check is from a former employer and is in fact not fraudulent. It is for unpaid wages following my departure as their employees. They would have happily vouched for the legitimacy of the check if asked. There is no evidence of it being fraudulent ( only the banks suspicion ).

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 2023-12-13
Company: Arcon Credit Solutions LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Arcon Credit Solutions has, as of yesterday, called me every 20-30 minutes with the calls starting at exactly XXXX. As of writing I have already recieved 5 calls and have over 20 calls from them yesterday

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: ENOVA INTERNATIONAL, INC.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I did NOT apply for anything with NetCredit and may last name has not been XXXX since 2010. 

My identify was stolen and this is yet another attempt to falsely obtain credit using stolen information, Why didn't the company notice the FRAUD ALERT on my locked credit file>

Company response to consumer: Closed with explanation