BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-20
Company: Colony Brands, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is degratory information appearing on my account for {$250.00}. This account is old. It was opened XX/XX/2012

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX Balance : {$0.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.

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 2022-10-13
Company: U.S. BANCORP
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX us bank took all that I had and left me homeless stranded in Florida during hurricane Ian. I am Without food. I have been diagnosed with XXXXXXXX XXXX XXXX XXXX 1 year ago. I have an attorney. They took my money from my XXXX checking account. When I contacted XXXX  they would not help. They said it was a letter of intent. I needed to call us bank. XXXX new it was fraud yet still did nothing to help me. They keep telling me they will give me proof of the letter of intent. However IXXXXstill never received a copy and they closed my case without any help. I have been discharged from bankruptcy and no longer owe us bank a cent. I had proof of such. With a court ordered letter. However, XXXX Ignored me. Even knowing my condition. I contacted us bank. Us bank Then told me because I have an attorney they wont talk to me about my account. My attorney contacted them via email and called. They have not contacted him back till this day. My attorney can not work for free. Us bank has put me in a very bad place. I hope this doesnt not kill me!! Please help Im currently without a residence. Completely bankrupt and suffer from 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 2022-03-27
Company: Block, Inc.
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Previously close case i filed with you was not handled properly and the solution was not kept by company. Theyre repeating the same illegal actions. Even with the copy of the resolution sent in to them. Theyre being fraudulent, lying to people about legal rights refusing to follow eft and prepaid card laws. Theyre retaliating against people who tell them their legal rights and file against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Other

Complaint:
Bank of America has illegally added a credit card account and living address to my credit report in violation of the FCRA. I do not have a credit card with this company, nor am I a authorized user. 

It was explain to me that it was a different social security to this account. I never had a card with this company under this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The information XXXX XXXX XXXX of {$5500.00} from XXXXXXXX XXXX  XXXX XXXX XXXX is incorrect and should be deleted from my credit report. This matter has been resolved in court. Please see attached document.

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 2021-01-15
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: Account status incorrect

Complaint:
I contacted carecredit/synchrony bank account number XXXX to change my payment due date and they agree to do so but then reported my account 30days late to the credit bureas.Ive never paid late please remove this remark from my credit

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 2022-10-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I originally filed a complaint on XX/XX/2022 and was assigned the following reference Consumer Financial Protection Bureau, case number : XXXX. I was then contacted by XXXX XXXX Executive Office Case Specialist of the XXXX XXXX XXXX XXXX XXXX Wells Fargo. Further reference letter XXXX XXXX that was submitted to the CFPB according to Wells Fargo they attempted to do a wire transfer but it came back account unrecognized when I asked for a copy or a confirmation of the rejection I was offered a cashier 's check for the total amount of the CD accounts. The cashier 's check was received on XX/XX/2022. Due to banking regulations in XXXX the cashier 's check can not be negotiated nor deposited. I've gone ahead and tried to contact Wells Fargo once again and have come across the same problem where no one is answering the phone. I even went as far as trying to contact XXXX XXXX XXXX at XXXX And have left her four different voice mails but I have yet to get a call back. 
On XX/XX/2022 my son initiated a wire transfer from his personal account Using the very same information that was given to Wells Fargo and the transfer went through the very same day. I feel that Wells Fargo has try to resolve this matter in bad faith and being disingenuous with the information that they provided it offered a quick cashier 's check just to end the problem. The problem still exists the cashier is worthless and we need to have the money wired to the account that was provided to them.

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 2016-02-20
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
Hello, I received an email on XXXX stating I needed to make a payment : Statement Balance : {$350.00} Payment Due Date : XX/XX/XXXX Minimum Payment Due : {$100.00} I not sure if they are charging me a late fee? 

How can Target report me for a late payment and send the account to collections when I have been paying the account. This has also lowered my credit score. I tried to talk to the company to correct their oversight, but they have informed me their is nothing they can do. 

I made a payment on : XX/XX/XXXX {$100.00} XX/XX/XXXX {$250.00} ELECTRONIC PAYMENT I received a letter that my account went to collections. I called the Target to correct the matter on XXXX. I was told that they will not correct their report to the credit Here is all my payment history : XX/XX/XXXX {$250.00} ELECTRONIC PAYMENT XX/XX/XXXX {$100.00} ELECTRONIC PAYMENT XX/XX/XXXX {$170.00} ELECTRONIC PAYMENT XX/XX/XXXX {$370.00} ELECTRONIC PAYMENT XX/XX/XXXX {$290.00} ELECTRONIC PAYMENT XX/XX/XXXX {$190.00} ELECTRONIC PAYMENT XX/XX/XXXX {$520.00} ELECTRONIC PAYMENT XX/XX/XXXX {$50.00} ELECTRONIC PAYMENT XX/XX/XXXX {$180.00} ELECTRONIC PAYMENT XX/XX/XXXX {$95.00} ELECTRONIC PAYMENT XX/XX/XXXX {$35.00} ELECTRONIC PAYMENT XX/XX/XXXX {$220.00} ELECTRONIC PAYMENT I 'm not sure if I have been charged a late fee but if I have I would like that money returned ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account has been paid in full I tried to dispute online but with Experian credit bureau but I keep getting errors messages unable to complete this action at this time please try again later! I will upload a receipt for proof of payment please modify account or delete it as I was not notified of the furnishing of this account because the company didn't have my updated contacted information until I called the and gave it to them please remove item from my credit reports thank you! Do to I was not properly notified about such account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX has been contacted by mail on XXXX XXXX that they are incorrectly reporting the balance on the XXXX XXXX. In addition, they are failing to report payments made on the account. The information supports that the agreement to pay {$9100.00} would be accepted to settle the debt. They agreed to this amount on XX/XX/XXXX. The payments to date have been on XXXX XXXX for {$260.00}, XX/XX/XXXX for {$260.00}, XX/XX/XXXX for XXXX, and {$260.00} XX/XX/XXXX. 
XXXX is reporting the full balance as a charge off for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The payments have been reflected on the full amount of the balance which was agreed to settle for $ XXXX payments of $ XXXX {$1000.00} which leaves a balance to be paid based on the agreement of {$8100.00}. 
XXXX reports the amount due of {$14000.00} which reflects payments to reduce the balance from the amount that XXXX arbitrarily decided to report on as I am following the rules of the settlement agreement with XXXX. When I discussed the matter with XXXX the agreement would state the balance due of {$9100.00} with the payments being made. The account would be reported as closed versus a derrogative against me each months for making the agreed upon payment. XXXX is making this decision to hurt me regardless of their agreement to settle the account. 
I am demanding the XXXX honor the agreement and report accurate and honest information to all the credit bureaus. The letters sent to me do not respond to the information attached to this complaint and can be viewed as incorrect on the XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
4 or 5 phone calls a day with no one on the other end of the line

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 2015-06-10
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Other

Complaint:
I have a Citi Bank credit card that has been turned to an attorney for collections and a judgement has been issued against me and I am trying to short sale my house and the attorney handeling this account is not willing to issue a partial release or negotiate a settlement so my home can be sold opposed to being foreclosed upon. I was never served by the attorney or Citi Bank therefore I feel the judgement is invalid. I am asking for assistance in getting Citi to resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act XXXX accounts are fraudulent and Where not made by me. I do not recognize these inquiries and demand that they be deleted from my account immediately : 1 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX. 
2 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 3 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 5 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX 6 ) XXXX XXXX -- Inquiry Date : XX/XX/XXXX The aforesaid creditor did not have my written consent to access or pull my credit report. Please provide proof of my written signature that granted these companies to access my credit report. If that can not be done please remove these inquiries promptly. Please do not reply with a generic response about your obligation to report the inquires as they are. I am well aware of my rights that are allotted to me by the FCRA. And the aforementioned accounts are in violation of several FCRA Laws that are allotted to me. I do not recognize them and they are fraudulent and need to be removed off my credit file immediately. They are harming my credit file and hindering me from getting reasonable financing terms. In accordance with the fair credit reporting act XXXX account : 1 ) XXXX XXXX : XXXX ( Delinquent for the months of XX/XX/XXXX ), has violated my rights. 15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 623 ( a ) ( 7 ) 15 USC 1681 and 621 15 USC 1681 : I did not receive a model B-1 or B-2 notice stating that the following accounts ( XXXX XXXX : XXXX ) were going to report delinquent. As a direct result of the violation of my rights that are allotted to me by the FCRA, i would like for the following late payments and inquiries to be removed from my account. I do not want any generic information the FRCA. Or any generic response, i am well aware of my rights under the FRCA. I would like to have the late payments and inquiries removed from my account because they are not verified and are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Sunlight Financial LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX we purchased a Solar Panel System thru XXXX XXXX XXXX which changed their name to XXXX XXXX for the amount of {$48000.00}. We were financed thru Sunlight Financial XXXX XXXX XXXX XXXX XXXX, SD XXXX. On XX/XX/XXXX XXXX XXXX closed their doors and went out of business, leaving me and thousands of other customers out to dry so to speak. XXXX XXXX used deceptive and unconscionable tactics in order to convince consumers to buy solar panel systems and performed shoddy and substandard work installing them, and sold me a system that I was promised to supply me with 95 % of my electrical consumption and only produces 50-60 %. I have tried to get some answers and resolution from Sunlight Financial, since XX/XX/XXXX I have called 3 times and they will not talk to us. I have also emailed them with no response. Please give me some guidance as we have a substantial loan and now XXXX XXXX is out of business which voided their contract with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Deposited XXXX payroll checks, totaling over {$2800.00}. The teller told me the funds would be available the next business day. Funds are still not available 1 week later despite numerous calls and visits to the bank. At each call and visit, I was told the funds would clear the next day. At the last call three days ago, I was informed that the check would be held for 6 days at maximum. It is now 7 business days in and I have no anser as to when funds will clear. The bank is posting electronic bill payments and calculating a minus balance with imposed late fees despite pending checks. I would like to close account but the bank has refused because the balance is " minus '' despite the {$2800.00} deposit that has not yet cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, 2015TO WHOM IT MAY CONCERN : Unfortunately this all was started due to health issues. We have been paying on our mortgage numerous years and have come to the end and I got sick. Most of my expensive medical bills were due XXXX during a year and half year span. These XXXX had to be paid cash up front due to the fact that I had and have no medical dental insurance. Each XXXX cost from {$1500.00} to {$1800.00}. This year I was in and out XXXX. The last time being XXXX 2015. I was in there 4 nights. I have medical records to prove all this. I had to pay {$330.00} for XXXX pills among other XXXX fees XXXX XXXX XXXX. 

We have made several attempts to pay off our mortgage to no avail. I have called in numerous time and repeated the same story to numerous representives., again to no avail. Every time the payoff amounts go up some go down??? All we want is our clear house title. We have paid well over double if not triple the first payoff statement amount and paid additional amounts as well. XXXX the times I made a payment off statement was in XXXX thru XXXX XXXX and than about 5 days later we received a letter from XXXX XXXX saying our monies were there and that we needed to go and pick it up. No reason was given as to why Carrington return our payoff amount?? I have sent in copies of some of the payoff amounts letters form Carrington and also sent in some of the amounts of where we have sent in the monies being charged to us. We have also included an example of proof of insurance where Carrington billed us for coverage when we had it. This also happened numerous times. My Insurance agent has all the faxes they sent Carrington to prove that we were covered and not only faxes but also actual phone conversations with Carrington., not just once but several different times. Again all we want is our clear title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: JPMORGAN CHASE & CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I bought a XXXX XXXX XXXX and financing was through Chase XXXX XXXX. 
On XX/XX/XXXX I called to get payoff on the car loan. I was quoted the amount {$7500.00}. I wrote XXXX separate checks from XXXX different accounts and XXXX different Banks. My husband 's account was with XXXX XXXX XXXX XXXX for the {$7000.00}. XXXX, my account, for {$520.00}. Mailed on XX/XX/XXXX. Payment was due XX/XX/XXXX. Checks had not been cleared by XX/XX/XXXX. I called CHASE and I was told they didn't have anyone to process checks. I was told the amount would be honored until XX/XX/XXXX. On the account website on XX/XX/XXXX, it showed the account was past due. XX/XX/XXXX, payment was not posted yet. My husband did an electronic transfer for the {$7000.00}. on XX/XX/XXXX, from XXXX XXXX XXXX XXXX he went to the bank for a stop payment which was done as a courtesy of the bank. I left a message with my bank with XXXX XXXX requesting a stop payment. She was not available. On XX/XX/XXXX, I called Chase and also did the electronic transfer from XXXX, which now the amount was now {$530.00}. I was told the account would be paid off and when the checks arrive, they will not be cashed. They attempted to cash my husband 's check but the stop payment was in place. My check was done as a convenient check and it was processed. It took me from XX/XX/XXXX until XX/XX/XXXX to finally get reimbursed the {$520.00}. On XX/XX/XXXX, I received a check in the amount of {$6400.00}. I called and told them a mistake was made. I was told XXXX supervisors reviewed my account and ordered the check for over payment. I cashed the check and put it in the savings account, because I knew they had made a mistake. I received a call from Chase on XX/XX/XXXX wanting to know why I had not responded to their letter. I responded I have not received a letter. They said it was mailed on XX/XX/XXXX. We had a holiday on XX/XX/XXXX, XXXX, I still have not received the letter. They said that due to the account being reopened and I am now XXXX XXXX behind in payments, penalties, I now owe {$7100.00}. If it wasn't paid interest and penalties would continue to accrue and they would put a lien on my title. When I questioned the amount, They told me that when the {$7000.00} check was stopped the check for {$520.00} was also listed as a stopped payment and I owed that amount back. These were from XXXX different banks. I went to both banks and received the documentation and told them the situation. I was told I only own the amount back from the check they sent me on XX/XX/XXXX. I questioned their ability to be doing financing. They needed to hire XXXX XXXX XXXX felt this was XXXX  me for more money.

Company response to consumer: Closed with explanation