BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-15
Company: WELLS FARGO & COMPANY
State: NH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was denied durable power of attorney over my XXXX-year-old mother 's checking and savings account due to a credit report. I was told I was at risk because of a cosigned student loan with my daughter that was in default which happened to be that with Wells Fargo. I was told that once this was cleared from my credit report then I could act on durable power of attorney from my mother 's Wells Fargo accounts. I have excellent credit and had no way of knowing this account was in default. This should not even matter. My elderly mother needs help with her finances and her bank has denied her that right of having me act as a durable power of attorney. All documents were recorded, certified stamped with seal as required by Wells Fargo. This denial took place at the XXXX South Carolina branch. After much research and phone calling, I concluded that this is the practice of Wells Fargo in general.

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 2020-04-04
Company: Experian Information Solutions Inc.
State: NV
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:
There are currently 3 accounts showing on my credit report that I have never opened. I am a victim of id thief I have a police and a ftc report on file with these companies yet they are still reporting inaccurate data about 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 non-monetary relief
Consumer complaint received 2016-07-24
Company: Mathew Aaron Holdings Inc.
State: CT
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX XXXX at GRT Financial , Inc. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, MI XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, http : //www.grtfinancial.com contacted me by phone and offered me a credit card modification debt reduction, but I gathered that GRT Financial is not licensed in Connecticut.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Experian Information Solutions Inc.
State: NC
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,XX/XX/XXXX and XXXX have arent complying with my dispute request. I have attached both letters Ive submitted to the three bureaus in the documents section below.

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 2022-10-27
Company: Synovus Bank
State: PA
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:
Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, Pa XXXX SSN : XXXX ( XXXX ) XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone number ( XXXX ) XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account XXXX XXXX XXXX Account XXXX Date openedXXXX XXXX, XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Credit card
Issue: Transaction issue

Complaint:
The Target Store credit card provides 5 % discount at point of sale, so if I bought something for {$100.00}, I would be charged {$95.00} only. If I returned the item to Target, they would refund me back {$95.00} only as that is all I paid. 
However, if you look at the attached receipts and calculate, you 'll notice a lower refund amount in each if you calculate the 5 % difference. So, in the case of the first receipt on the left, the amount of item was {$4.00}, the refund back to me should have been around {$4.00} cents. Instead, Target kept back XXXX cents and returned me {$4.00} only. 
This small STEALING is inappropriate and I tried for a long time by emailing or speaking with Target to no avail. This is not just deceptive and abusive, it is literally STEALING. I am a regular customer at Target and do n't know how long this issue has been going on, as also with other customers. I should just file a class action against Target and TD Bank USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: GA
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: WI
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 XXXX XXXX XXXX account # XXXX ( XXXX XXXX XXXX XXXX account # XXXX ( XXXX, XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX ( XXXX, Equifax, XXXX ) XXXX XXXX account # XXXX ( XXXX, Equifax ) have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX BANK XXXX account # XXXX ( XXXX XXXX XXXX XXXX account # XXXX ( Transunion, XXXX XXXX XXXX XXXX AUTO account # XXXX ( XXXX, XXXX, Transunion ) XXXX XXXX account # XXXX ( XXXX, XXXX ) have 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

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 wont delete fraudulent inquiries on my credit report police report was sent and affidavit, inquiries are XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 2020-04-04
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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 recently sent a letter to NC State Employees Credit Union, to tell them that I was a casualty of data fraud and I additionally join a police report and a FTC report to my letter that I sent to NC State Employees Credit Union. In their reaction letter they sent me back NCSECU said that after cautious survey of this contest we can't examine this case at the time as the credit association has confirmed that your letter has started from a credit fix however I'm the person who really sent the letter to this organization and nobody else or some other  organization got me out and the letter I sent them wasn't drafted on a structure provided by a credit fix association.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: National Credit Adjusters, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Never took out this loan. I had a police report years ago for this debt and my identity being stolen. They have flagged my credit report 25 times in 5 days.This company harassed me and threatened me. Said they call my employer and come after my kids even for this debt. They refuse to send me anything about this or even documentation for it, other than hearsay from the original creditor which deleted it when they got my police report in 2013

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: OK
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:
I was a victim of I.d . theft and after notifying XXXX it was investigated and supposedly late charges/payments were to be removed from credit reporting immediately and it was not. Please remove all late payments from closed account and immediately report accurately to all credit bureaus and furnishes of credit reporting.

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 2022-10-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On Tuesday XX/XX/XXXX I received a promotional email from Lowes Credit Service via synchrony bank advising that if I used my Lowes Credit Card I would receive a XXXX percent rebate versus the normal XXXX percent in store rebate. I used this card for purchase order number XXXX for a range and observed the cashier scan the code during checkout. After returning home I looked at the receipt and it did not show a XXXX percent discount only XXXX percent. I cancelled the order and attempted a similar transaction online using the same code and received an invalid code notice. I returned to the store and was advised to call XXXX XXXX who in turn advised me to call Lowes Credit Services as this was their promotion. After XXXX minute on the phone the customer service representative said I needed to go back to the store and attempt the same transaction and then advise them what the error code was when they attempted the transaction. I advised them that there was no error code when I personally witnessed the first transaction and that still doesn't explain why the attempted online transaction gave me an invalid code when I entered the digital information. By way of background I received one of these promotional emails earlier this year in XX/XX/2022 and did not receive the percent rebate during checkout and after a lengthy discussion with the cashier and onsite store manager in XXXX, Georgia I cancelled the transaction. In my estimation Lowes Credit Services via Synchrony Bank is conducting a bait and switch fraud on consumers.

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 2015-04-22
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company called " Credit Collection Services '' and " XXXX '' have sent another letter concerning a debt for XXXX XXXX XXXX of {$25.00} to XXXX XXXX XXXX who does not live at this address and also, is not even the correct middle name. The middle name is that of my mother who died over XXXX years ago. I have filed a complaint in the past for this same company and this is another continued attempt at fraud. I checked multiple website and every single site says the same thing " fraudulent. '' I contacted the company and spoke with a " XXXX XXXX ( not sure on spelling ) '' or " XXXX XXXX or XXXX '' she gave multiple names which made the call even more suspicious. I was intrigued by this and asked if she had any more aliases she went by. She stated no. I informed them I was filing a complaint. I also contacted XXXX and informed them of the situation providing them with the File Number and PIN number on the document.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX  XXXX I have an a consumer report with open lines of banks that were opened in my name and other information in other states etc.. Because of that, I am unable to open banks. However, I will provide all the information needed when I speak with someone.

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 2022-10-27
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 my balance was {$350.00} plus a past due balance of {$270.00} The bill is generated every XXXX day of the month with a due date on the XXXX. I then made a payment for {$150.00} through the automated line. When I called today for updating my current balance, and making another payment, the automated system said I owed more than {$800.00}. They payment from yesterday, which has already cleared my bank, has been added instead of deducted from the balance. I spoke to employee number XXXX, XXXX, and she told me I owed for the month of XXXX now. She also spoke over me and would not listen or make any attempt to resolve the balance at all. I was also told my fees are {$50.00} per month if not paid on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I recently refinanced my home mortgage with Wells Fargo. My complaint is that Wells attempted to delay payment of my school taxes from the old mortgage 's escrow account in a way that resulted in the new, refinanced mortgage having a higher balance. It 's complicated but this is what happened : - My local school taxes are due in XXXX. Each year, Wells Fargo would make the payment ( around {$3500.00} ) from my escrow balance. I applied for the financing in XXXX, with an eye toward completing the refinancing in XXXX or early XXXX. But I had questions about what would happen to the escrow account. The Wells Fargo loan officer explained to me, in XXXX, that the outstanding escrow balance, which was peaking due to upcoming payments, would be used to pay down the principal on the original mortgage. For example, if the payoff amount on the loan was {$150000.00}, and the escrow balance was {$6000.00}, at closing, that {$6000.00} would be applied to the loan, bringing the balance down to {$140000.00}. That seems positive -- but I would still on the hook to make the {$3500.00} tax payment in XXXX. I became concerned that, if the refinancing closed before the school taxes were paid, I would need to come up with an addition {$3500.00} at closing. Wells Fargo told me not to worry. In an email, the officer told me that the school taxes would be paid in XXXX before the closing, which ended up being scheduled for XXXX XXXX. I kept an eye on my mortgage account online, but the XXXX payment never posted. Finally, a couple of days before closing, I called Wells Fargo 's call center and they told me the tax payment had been put on " hold. '' They did n't pay my school taxes as expected and promised. Then the kicker : I received the Closing Disclosure from Wells Fargo. My outstanding escrow balance was being used to pay off the old loan, as they told me it would. But they added to the loan principle {$3500.00} for outstanding XXXX school taxes and prepayments for 11 months of school taxes for XXXX. By delaying payment of my XXXX school taxes from escrow, they effectively inflated the balance of my new loan by {$3500.00}. The interest on {$3500.00} on a XXXX, 3 % loan is not much. But if this is their standard business practice, Wells Fargo can incrementally boost their customers ' mortgage balances, at least during months when big tax payments come due. Multiply that by XXXX or mortgages over many years, and it 's real money. 
I told my mortgage officer that I would walk away from the loan if the school tax was not made. Wells Fargo did do this. But if I had n't made a stink, I would have been out {$920.00} in added interest payments over the life of the loan ( see attached closing disclosures ).

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 2017-02-21
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was pre-approved for a loan by Citizen bank by XXXX in the beginning of XX/XX/2017.XXXX asked for {$650.00} for a appraisal.2 weeks later the loan was denied by citizens bank. I XXXX telephoned XXXX and ask back for my money and which he stated a appraisal was done.I telephoned the realtor XXXX at XXXX who explained that no appraisal was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: AmeriHome Mortgage Company, LLC
State: AZ
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:
XX/XX/XXXX - Requested Forbearance due to financial impact due to COVID 19 - NO CREDIT REPORTING should have been sent XX/XX/XXXX - CFPB filed on Amerihome Mortgage due to consistent conflicting and contradictory information being provided across the Loss Mitigation Group spectrum - I've yet to receive a follow-up call to discuss this complaint. 
XX/XX/XXXX - Talk to Ms. XXXX # XXXX who confirmed credit reporting was still being suppressed - rep not clear if XXXX payment is required or not as Loan Modification request was still in process XX/XX/XXXX - 1st " trial '' payment of Loan Modification - NO CREDIT REPORTING should have been sent XX/XX/XXXX - Amerihome Mortgage sent a false report to Credit Bureaus advising I was delinquent and 180 days past due XX/XX/XXXX - realized Amerihome Mortgage falsely reported me delinquent and 180 days ; XXXX called service XXXX XXXX XXXX XXXX Ms. XXXX # XXXX who advised letter of apology was sent by Amerihome  to me on XXXX explaining false reporting to credit bureaus and was already being resolved XX/XX/XXXX XXXX XXXX XXXX who advised credit reporting is still reflecting Delinquent - also advised this was a firm-wide issue and i was not the only customer impacted - requested to speak with supervisor. Information taken - no supervisor return call XXXX XXXX  Resolution Team ( newly formed ) XXXX XXXX - who confirmed delinquency is still reflecting - she sent email to credit group asap to resolve XX/XX/XXXX XXXX XXXX who indicated no progress - she escalated to another credit team - advised an answer would be available by XX/XX/XXXX XX/XX/XXXX XXXX XXXX who confirmed they received a credit report from Amerihome Mortgage on XX/XX/XXXX indicating delinquent and 180 past due. Also confirmed no reporting from XX/XX/XXXX- XX/XX/XXXX no reporting had been submitted. 
XX/XX/XXXX, XXXX, XXXX, XXXX - Messages left with Resolution Hot Line XXXX XXXX - who has yet to return my phone calls. 
I explained to multiple representatives this had a disastrous impact on my ability to refinance my home which was in UNDERWRITING at the time of the false reporting - thus the loan was squashed. I have yet to purchase a vehicle which I am in desperate need of because I have no air condition and live in XXXX 
Having spent 37 years in the financial industry, it's appalling how bad this company continues to get.

Company response to consumer: Closed with explanation