BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-14
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Tcf bank gave my daughter 's attorney my social security number without My permission. my daughter had a personal injury case where she won a settlement she 's a minor, so there was an order for the funds to go into a custodial account, so I asked her attorney if you could put it into an account at TCF where she already had an account he stated yes even when they 're open up an account another account without my authorization and no personal information then I got a call from the bank saying I need to come and sign information which I did not find I stated I needed to speak to the attorney first so I know what I 'm going to be signing, the attorney Stat he will mail me documents after two weeks of never receiving them I contacted the attorney again yesterday on XXXX 2016 I was told the attorney was out on a XXXX and just been here with taking over and he was able to email me the documents that were supposed to be sent to me I 've been noticing and I ca n't open there 's no signature I did not authorize it and my social security number is on it, I then contacted the attorneys office asking how they got my social security number XXXX XXXX stated he does n't know but he will ask XXXX the attorney who handled my case, I then contact the TCF Bank and spoke to the branch manager XXXX asking how my social security number was given to that attorney the first day that the attorney came in with my social security number and my daughter 's social security number then he stated it 's a court order for funds to be in a custodial account and that gives him authorization to send my social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX XXXX COLLECTIONS INAlert Date : XXXX : EQUIFAXCompany : XXXX XXXX COLLECTIONS INPayment Status : UNPAID ( UNPAID ) Status Date : XXXX : $ XXXX Date : N/AAddress : XXXX XXXX XXXX, XXXX, WA XXXX XXXX therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX XXXX XXXX XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: JPMORGAN CHASE & CO.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase indicated to me that they have decided to 'restrict ' my account and told me that I can not access the funds I currently have in the account, which is XXXX. I went into my local branch on XXXX XXXX and had a teller call an account specialist who indicated that my account was restricted ( meaning no money can go in or come out of the account ) and that Chase would be closing my account and sending me a check for my balance. The teller was told this would take XXXX10 days. I went back to the branch today XXXX after XXXX business days as I NEED my money to pay bills which are now late and charging me additional fees. I had another teller/manager call their 'back office ' and then told me that they can not give me my funds until the 'back office ' says it 's OK. I asked how long will that take, as I was told a max of 10 days and she told me they would n't / could n't tell her. I can still see the balance sitting in my account and this is putting me in a DIRE situation. I even have chase credit cards I ca n't pay because their bank wo n't give me MY money. If I were to do this and take XXXX of their money and tell them I 'll give it back to them ... ..'sometime ' ... I 'd be arrested. I do n't see how this is legal or allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX and Equifax has reported this on my credit report.Keesler Federal credit union : Address XXXX XXXX XXXX XXXX Mississippi XXXXInquiry date reported on XXXX XXXX. I called XXXX, and equifax about this inquiry, but the problem wasn't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello, I have  a credit score o ver  XXXX  and a credit history  of 20+ y ears y et Capital One always re jects my application. It appears that they do not grant credit cards to customers who have   XXXX   XXXX  . When completing the form they ask if I am a citizen of another country and ask which country. I question the legality of this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Date : 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 Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for five years and I have never lived in these addresses reported on my FICO report and incorrect names places on my credit report as well. Please consider this a formal request to investigate and correct the following ( 3 ) inaccurate addresses on my credit report issued by your agency and ( 4 ) different names thats fraudulently not mines. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses/ Names listed below : 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 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  Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

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 2022-02-18
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Mr Copper/XXXX at the end of XX/XX/XXXX beginning of XX/XX/XXXX. I got the welcome packet beginning of XXXX but my XX/XX/XXXX statement never came.I called and asked why and they said it was coming in XXXX because my loan was transferred. XXXX came and they lumped XXXX and XXXX payment into one statement. That statement didnt come until XX/XX/XXXX. I currently dont have XXXX statement? I called again and was told it has not even been sent out. The mortgage company is deliberately not sending a statement it sending it out late?? My law I have no fees because my mortgage was just transferred but they are not and have not tried to tell me why in XX/XX/XXXX my statement has not been generated or sent out?? Its fraud and a way to try and eventually get late fees or make me pay online. I pay my check the first 3 days of each month and have never had a problem with any other lender. Im at a point where if XXXX Statement is late Im hiring a lawyer!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: Arbor Residential Mortgage LLC
State: AP
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX, I purchased a home in XXXX, XXXX while on XXXX XXXX in the XXXX XXXX XXXX. I received mandatory permanent change of station orders to XXXX in XXXX, upon which time I rented the home, but once the renters moved out and the market tanked, and due to a loss of income after my wife lost her employment during the move, I began processing a short sale of the home in XXXX. Since XXXX, I have had XXXX buyers for a short sale and on each occasion, the XXXX mortgagers did not come to agreement and thereby causing the short sale purchasers to abandon the purchase. Seven XXXX XXXX XXXX years later - as of this complaint, I still have not had success selling this home and the home remains vacant since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification due to the COVID crisis. Lost my good paying employment to later ( XXXX of XXXX ) regain employment at a lessor salary and my spouse becoming permanently XXXX and receiving XXXX. I had no choice but to find a second source of employment in order not to lose our home. We applied back on XX/XX/XXXX and been given the run around since. Please help by reaching out as XXXX terrified to lose our home. 

XXXX still waiting for Wells Fargo to call or mail a verification of employment to employer. It was initially generated on XX/XX/XXXX. However, employer has yet to receive a phone call or a verifican of employment form via mail. I have submitted all the correct documents requested by Wells Fargo and was told that the employer had a non serviceable number? When the employer had already supplied a written verification of employment with all correct information on header. I spoke to Wells Fargo about this issue on XX/XX/XXXX and told them I would be following up with this concern to cfpb and they suddenly were able to correct the employers number from information on the verification of employment. What other number they had on file I have no idea where it came from. Had they looked at the verification of employment letter all the correct Information was provided. They then notified me that everything has been completed and verified. However, my application for the COVID recovery program has been in limbo for 3 months and still no answer yet. They had originally reported back to cfpb they would had a final decision in 60 days and Im still waiting past 3 months now with no decision.

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 2016-03-29
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been working hard towards keeping my credit in a good place and am currently trying to power pay on the Private Student Loan I have with the highest interest, while they ( the other XXXX I have ) are in deferment. The last time I checked my credit score was about XXXX and I contacted First Mark ( the private loan holder ) to see if I was able to refinance and they told me no. I just feel like 8 % is a lot for me to be paying in interest and was wondering if there is in fact a way to lower this loan so the extra payments I am paying will be worth it. Also, they told me that there is no way to put those extra payments ( After making the monthly payment ) directly towards the principle. I 'm also not sure how true this is either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: SYNCHRONY FINANCIAL
State: FL
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:
Inquiries added to my report that I did not authorize

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 2017-04-26
Company: Experian Information Solutions Inc.
State: SC
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:
There was an error on my employer 's behalf with submitting tax documents.

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 2016-08-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is reporting on XXXX of my credit lines ( XXXX XXXX ) that I was delinquent ( XXXX XXXX and XXXX XXXX XXXX even after submitting documentation from the original creditor which indicated that I was never late and XXXX of the credit lines ( XXXX ) with no payment history. Overall, Equifax has failed to fulfill the investigation process since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX was available but the system would not allow me to download the others but instead created a endless loop to no where. So I see after the fact I should have requested all three report by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This is not a duplicate. Each applicable CRA must receive this dispute. 

In XX/XX/XXXX I disovered a judgement on my Equifax credit report listed with with the line item reference # XXXX. I never received any mail or communications about the underlying matter. Upon further inquiry I found that the California Franchise Tax Board ( CA FTB ) was the data furnisher regarding this item. 
Upon speaking with a CA FTB representative I was told that their records were missing my XXXX tax filing records. My Federal and State returns were both filed however I supplied CA FTB with the information that was claimed to be missing from their records. 
I was told that the processing timeline was a minimum of 6 months. After months of waiting the resubmitted filing was processed and the findings of the data furnisher were disclosed to me. The California Franchise Tax Board found that I did not owe any taxes and as such did not have any tax liability. On the contrary the CA FTB actually owed me and sent payment of {$510.00} to me reflecting the same. 

The {$2800.00} tax lien that was put on my credit report was found to be incorrect upon the conclusion of this matter. I am attaching a copy of the refund check sent to me by the State of California Treasurer as well as a printout of my total tax liability and refund for the XXXX tax year relevant to item # XXXX listed as a judgement on my credit report. 
Upon processing of the facts, the Data Furnisher concluded that I did not owe and that they actually owed me. This conclusion means that the tax lien put on my account ( which was an assupmtion that was proven wrong ) should not be shown as released on my credit report as that implies that I previously owed the CA FTB and later satisfied payment. On the contrary, the tax lien should be deleted from my credit report as the CA FTB concluded that I did not have any tax liability for XXXX so the tax lien was null and void and the data furnisher turned out to actually owe me. 
The erroneous information listed on my Equifax credit report that states that I previously owed {$2800.00} in taxes which is not true because the taxes owed was discovered to be {$0.00}. This unfair reporting must be deleted and permanently removed from my credit profile. 
For some reason Equifax has refused to correct and update this item and I have had received uwarranted scrutiny and unfavorable decisions from underwriters because of their ability to see a judgement that I did not owe. Please help as I continue to be denied favorable credit decisions personally and for business due to this violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card
Issue: Billing disputes

Complaint:
I PURCHASED A TICKET FOR XXXX/XXXX/2016 XXXX XXXX FLIGHT XXXX TO XXXX XXXX, IT WAS CANCELLED AND XXXX REBOOKED ME ON XXXX FLIGHT XXXX TO XXXX XXXX. I ORIGINALLY BOOKED XXXX TO AVOID BAGGAGE FEES WITH MY XXXX CREDIT CARD. I INCURRED {$50.00} IN FEES WITH XXXX. XXXX INFORMED ME I NEED TO CONTACT MY XXXX CREDIT CARD FOR REIMBURSEMENT. THE FORM CAN NOT BE COMPLETED ONLINE BECAUSE OF THE XXXX TICKET NUMBER. I SUBMITTED A FEEDBACK REQUEST FROM XXXX ON XXXX/XXXX/16 CASE ID XXXX AND HAVE RECEIVED NO FOLLOW UP. WHEN I CALL THEY CONNECT ME UNTIL THEY CANT CONNECT ME ANYMORE OR THE PHONE DISCONNECTS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-26
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am a legal foreign resident in Texas that opened an checking account with  BBVA Compass i  n 2014,   yesterday without a reason or explanation the bank block my account and requested the bank to close completely my account without providing any reason. I have paid all my products in due time and handled the account in a proper manner. I see this bank is either acting with discrimination to the customers and providing a really bad service and does not provide any reasons and close the products.   My account cancelled wit h BBVA Compass  was  XXXX  in  XXXX   XXXX  Texas, hope you can help because they might be doing this to other customers, a disgrace for the financial system in this country, they did not wanted to provide a written explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed a public record of a bankruptcy with Equifax. They are refusing toremove this from my credit report. They claim they have used a XXXX party toverify this which is illegal under California state law. They must verify itthemselves or remove it. The removed it from my husbands credit file butrefuse to remove it from mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i received a letter from XXXX XXXX XXXX XXXX, a Debt buyer, stating that i owed XXXX to a company called XXXX XXXX  ... .. i ent a validation letter asking for more information and i never recieved a reply back, so i wrote a separate letter and still no reply i called the company and left several messages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The XXXX XXXX  XXXX applied for several loans on my behalf and simply had me sign my life away. 
I have complained that many of these loans being reported on my credit report are duplicates and need to have this corrected. 
My student loan balance went from $ XXXX to $ XXXX I need assistance in investigating this as I believe that the XXXX  XXXX XXXX fraudulently processed loans on my behalf.

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