BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-21
Company: Seterus, Inc.
State: ID
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 X/XX/2017 I submitted certified letters to the credit reporting agencies XXXX, XXXX and XXXX to investigate a mortgage being shown on my credit report. I also submitted a certified letter to the mortgage lender Seterus. I received responses from the credit reporting agencies but not from Seterus. The credit reporting agencies said they were not able to make any changes to my credit report. The mortgage is causing my credit score to be impacted severely due to late payments. The mortgage should be solely listed under my ex-husband and not under my name as I have not been responsible for it for over 6 years.

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 2022-01-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection agency is trying to collect on the exact same debt as another agency XXXX XXXX XXXX. they both sent the same fake receipt of services to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have written 3 letters to the 3 credit bureaus explaining that this is not my account, and is fraud, I ask them validate this debt, and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, and again they have failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have written 3 letters to the 3 credit bureaus explaining that this is not my account, and is fraud, I ask them validate this debt, and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, and again they have failed to do so.

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 2019-11-22
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have no recollection of this debt. I have tried to reason with this company several times but they have given me little to no options as far as settling and removing this from my credit report. They have threatened me with legal action and threatened to garnish my wages. They are a company with a questionable background and predatory tactics. I believe they are taking advantage of the fact that I am a XXXX veteran and are trying to take money from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
my sister bought a cashier check to pay me for a car I was selling my nephew. she obtained it from 5th 3rd at XXXX branch in XXXX.ky. they issued her a check on white plain paper. I took check to my bank and they refused to cash because the check was not on proper blue check paper. I then took to 5th 3rd XXXX branch and they also refused to cash. my sister called XXXX branch next day and was told they were out of blue paper but it was ok and to have XXXX branch called them when I went back to bank. id, we did, was told they were out of blue check paper for 3 days but all info was on the white paper-which was still uncashable. the XXXX branch manager was very helpful and I was issued a new check the next week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-27
Company: NCB Management Services Inc.
State: FL
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:
Ncb management services trying to collect a debt thats not mine also I sent validation letters Over 60 days ago never heard a response for this Company I need signed documentation copies of my signature for this type of loan I never do any business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: JPMORGAN CHASE & CO.
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I began receiving statements from Chase bank in XXXX, XXXX, regarding a checking account with insufficient funds and a fee for overdraft services. I did not, nor have I ever, had a checking or any other account with Chase Bank. These fraudulent accounts were opened in my former name. I have filed reports with the IRS, Consumer Federal Trade Commission, my local police department, as well as contacted the company numerous times with attempts to clear this fraudulent mess up. I have completed the fraud identify packet sent to me through Chase Bank, by faxing the information XXXX times, as well as certified mailing the packet twice. I have contacted several numbers given on the statements sent by Chase Bank, only to be disconnected several times, and to not have my calls returned ( until XXXX XXXX, XXXX ) by " XXXX '', who is the person in charge of investigating my claim. I have even received a check for {$85.00} for the balance on one of these accounts, which I disposed of after making a copy of it. This week, I received a statement from Chase for Interest earned in the amount of {$220.00} on the accounts I didn't open. They told me this information is being provided to the IRS. I recently found out that I am a victim of the XXXX data breach, and have filed a report regarding the matter. I am looking for closure to this circumstance, and have taken measures to contact all three credit reporting agencies to stop any further fraudulent activity related to my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
UNFAIR & BIASED. almost a 4 yr relationship, have my direct deposit setup, all is good. applied for their personal line of credit with XXXX XXXX, no late payments/collections/anything bad on any of my credit files. Declined after 5 days because of XXXX $ account fees charged to my 3yr past closed checking account ( apparently it took them 3 months to close it after i put in the request & they charged XXXX $ /month for the next 3 months for not maintaining minimum balance ), never received any form of communication regarding that, never even mentioned it when i went in to open another checking account few months later, i have a relationship going on with direct deposit setup, even received some pre approved offers. so, i disputed it, took them 7 days to remove it, i called in and asked for review since the initial reason for denial was  no longer valid, after 5 days i received a call saying they can approve it but - 1. i have to provide 47 paystubs from 3 different employers, ( like for a mortgage ) 2. pay off my XXXX ( 8 APR ) XXXX  loan. its like they found no reason to deny thus making it impossible to comply. under fair conditions no lender would ask to pay off a XXXX - 8.0 APR loan & 47 paystubs to approve XXXX - 11.5 % APR loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hi On Friday  XX/XX/2019 I received a call from Home Depot/Citi Credit Services regarding fraudulent purchases made with a HD Credit Card to my name. At the moment I was on a cruise leaving XXXX and couldn't verify exactly the purchases listed by HD since they only gave me the item purchase amount and not the item description. In total there were 3 fraudulent purchases, one of which matched closely to a legally purchase made by me. So I reported the 2 others purchases and left the other one as is. 


Later on XX/XX/XXXX I spotted that this was indeed a fraudulent purchase and contact them about it. They told me they were going to open an investigation and on XX/XX/2019 I received a letter telling me I was responsible for it since I didn't identify the transactions. 

From what I could research, Legally, I have 60 days after receiving the erroneous bill to report the mistake to the Home Depot/Citi Credit Services. Both dates, the initial fraud call and the fraudulent billing statement fall within 60 days. I would like to know if you guys could help me resolve this issue. 

Thank you 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 2022-01-27
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have reached out multiple times to get information about my loans through FedLoan. I am accepted to the PSLF program, but havent received ANY communication regarding if any of my loan payments that were previously on a wrong plan will count. I have called and emailed FedLoan to ask more specifics about what I should be doing and if everything I have done so far is in line with what I need to do to get my loan payments accepted under the plan. When I did get in touch with someone, they wouldnt say one way or the other if I am doing the right thing. They told me information I already knew, that I was accepted to PSLF ( which was prior to the waiver ), but could not tell me if they had everything they needed from me or what I should do to get this information. Getting in touch with someone is near impossible. After emailing the address listed on their website it took 2 months for them to reply and they didnt answer any questions that I had, still leaving me in the dark as to if I have done the right things to do for this waiver. Other times I have called and nobody has answered and when I tried their chat option on the website, it says it is unavailable. I do not want to miss out on this opportunity to have payments accepted under this plan, but I have no clarity if I am doing anything right. Many people on PSLF are waiting on this determination to move forward with their careers and lives, but we have no clarity if we are doing the right things to get this forgiveness leaving us in a very confusing situation that could cost many of us THOUSANDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XXXX XXXX XXXX account was to be added to consolidated credit counseling program. There seemed to been a problem transitioning into the program.Sychrony bank put three late fees onto my account and an over the limit fee! I was contacted asking that we pay {$150.00} minimum payment for the mistake. I would like the error corrected on our credit and account. We have made every attempt to keep the account current synchrony bank has been incredibly difficult.

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 monetary relief
Consumer complaint received 2022-01-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a first time home buyer and this process is new to me. I applied for a pre-approval in XX/XX/2021 and I was approved by XXXX XXXX from Fifth Third Bank. I finally found the perfect home and we put in an offer on XX/XX/2021 and offer was accepted. Contract was signed on XX/XX/2021 and closing date was scheduled for XX/XX/2021. The appraisal for the home was not done until XX/XX/2021. He found something wrong with my checks 2 days before closing and I had to scramble and had 48 hours before the closing date to get a letter for garnishment that shouldnt have happened on my check that the account was closed. The appraisal took 2 weeks and the sellers were wanting to work with me but because it was passed the closing date they would no longer pay the repairs that needed to be done for FHA approval, so we had to pay for the repairs. If the appraisal and my credit was done before XX/XX/2021 then there was no need for my credit check to be done again and repairs would have been paid by the sellers if it was done in a timely manner. My credit was reranned on XX/XX/2021 and new things showed up on my credit and my credit score dropped, so I no longer was getting approved by the bank to purchase my new home. We tried to get an extension since the repairs were already complete, all the inspections were done ( home {$420.00}, termite {$60.00}, radon {$120.00} ), and application fee ( {$390.00} ) for fifth third bank was processed and paid for. He was very unprofessional, was not responsive to me or to my lawyer or realtor and not processed like things should have happened. I would not have lost this house if it was not for him. The house was put up on market and they accepted another offer from another buyer. I lost alot of money. I did complain to his supervisor XXXX XXXX and she didn't do much either. She did admit on the phone that he failed to tell me the price range I should have been looking for in a house and for not doing things on time before my pre-approval letter expired. Im out on a house of my dreams and out on money. I do not want anyone to go thru what I went thru as a first time home buyer. I will never recommend Fifth Third Bank to anyone to purchase a home. Please let me know what we can do if I can get my money refunded for a poorly and unprofessional job on my application to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: EQUIFAX, INC.
State: CA
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/2019, I submitted a full package to Equifax stating that I was a victim of Identity Fraud. At which time, I received a response dated XX/XX/2019 that the disputes were reviewed and the items have been removed from my report. XX/XX/2019 I received an alert from XXXX XXXX showing that the items had been placed back onto my credit report. At which time I contacted Equifax Customer Service and was told three different responses, 1 rep stated that the items will be removed and once deleted they do not get placed back onto the report. 2nd rep stated to wait for the reinvestigation that I did NOT authorize to be completed and call back. 3rd rep stated that they were informed by the creditors that the items belonged to me. All within a 3 week period of XX/XX/XXXX, through XX/XX/2019. I am requesting for Equifax to fix the errors of the items showing on my report as per the completed investigation dated on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Good day! 

For a few months now, i have been complaining about a negative account that should be paid as agree. But Transunion, XXXX and XXXX keep on tagging it as late causing it to be considered a negative account which has been affecting my scores greatly. I have also complained about unauthorized inquiries in my account that i have no idea of and is in my account without my consent. I hope you can help me remove these as it has already caused me so much burden

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 2022-01-27
Company: Maximus Education, LLC dba Aidvantage
State: CA
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:
From XX/XX/XXXX through approximately XX/XX/XXXX, my student loans were serviced by XXXX. During this time, they told me that I was enrolled in the XXXX program and making qualified payments. Multiple agents at the organization told me this. From XX/XX/XXXX through XX/XX/XXXX, I was a fellow with XXXX at the federal XXXX. From XX/XX/XXXX through XX/XX/XXXX, I was employed by a consulting firm XXXX XXXX XXXX XXXX XXXX in XXXX, GA ) placed at the federal XXXX. XXXX told me this was a qualified employer. Not until I tried to get these payments certified did XXXX tell me that they were not qualified because I worked for a consulting firm and was not an actual XXXX employee. I also worked for a nonprofit in XXXX before starting graduate school from XX/XX/XXXX through XX/XX/XXXX. XXXX also said these payments were eligible. Summer of XXXX, I was informed that XXXX was not authorized to manage any XXXX payments and that none of these payments would be qualified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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:
Equifax is violation of 15 U.S. Code 1681a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I did not give Equifax permission to assemble and evaluate my consumer credit or any other information which violates ( 15 U.S. Code 1681b ( 2 ) ). Equifax doing so without my consent is identity fraud.

Equifax also violated 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax did not exercise grave responsibility with fairness by submitting false credit scores to financial institutions, which stopped me from being able to purchase a home and other essentials for myself and my family. My right to privacy has been taken from me and I feel unsafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have received a promo from Wells Fargo promising 15 point per $ spent on first purchase airfare up to XXXX worth XXXX XXXX Yet points were awarded on a second purchase instead of first - thus netting me just XXXX points. I have called repeatedly and about a month ago WF has opened a case ( I have a case number XXXX ) that was supposed to be resolved within 3 to 5 days. Yet no one has been in contact with me and all I am getting is automated emails " we need more time '' ( even though issue seems to be pretty straight-forward for anyone who looks at terms of the promotions and at what has transpired ).

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