BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I applied for a small business checking account through TD bank in order to apply for the PPP for my XXXX  XXXX.

I received an email that my application was received, but after about a week I had not received information from TD Bank so I called their customer service hotline. They told me that I could not be helped over the phone, and that I must make an appointment to go in person to a TD branch, despite the Covid-19 emergency.

I went to my local TD bank branch. A bank employee called the TD bank central number to check on my account application status. They told her they could not help at all, that it was no use for me coming into the branch. The bank employee apologized for wasting my time. I asked that they close the account and cancel the application, but I was told at the branch that was not possible.

I went home and opened a small business account, the next day, with a different bank. There was no delay.

A few weeks later, TD sent me a letter saying my account has been opened. I don't need this account because it's too late -- I already applied for the PPP through my other bank. I called TD asking for them to close my account, and they said -- once again -- that I need to go in-person to the branch. 

I refuse to waste any more time with this. TD bank needs to close my bank account, which has a XXXX balance and I have never used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX of 2017 I had deposited a check of XXXX and XXXX dollars cash through a chase ATM drive through but the cash never deposited into my account just the check. Right after the incident of the ATM stealing my money I filed a claim with the bank giving them the information from the receipt. They deposited XXXX into my account while the claim was being reviewed but fast forward towards the XXXX of XXXX they take the money back out. Once again I call to see what the isssue was and this bank tells me that the cash I deposited was n't able to be found. Now how in the world is that possible money does n't disappear out of thin air and this is n't the first time it happens to me with this bank. I still have the receipt from that transaction as well. It 's ridiculous to think a bank is blatantly stealing my money. I mean for crying out loud ATMs have cameras they can check that I deposited that cash on that date

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-01
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notice from a credit monitoring subscription in XX/XX/XXXX that Southwest Credit Systems,, XXXX XXXX XXXX, XXXX TX XXXX Phone : ( XXXX ) XXXX is now reporting on my credit report as a collection. I 've never received a single letter from them and no notification at all. I called XXXX XXXX directly and they are telling me that it 's a XXXX XXXX bill for {$52.00} from XXXX. I explained that it could n't be because I still have XXXX as a provider and not only would XXXX not allow me to continue service with an outstanding balance but I also never received any notice not only from XXXX but from Southwest at all. Southwest rep told me that in the state of New Jersey they do not have to send any notification which I know is untrue. I did call XXXX and the rep researched the account. XXXX confirmed that I do not owe any money and they have no such collection account with Southwest that is linked with me owing any money. I disputed this with XXXX and it came back verified that Southwest is stating they verified the debt. This again is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have been disputing these items for at least 2 years and Chex-Systems states that they are validated and verified. First thing My name is XXXX XXXX XXXX which I have known as that since 1974 which is XXXX years. They have my name listed as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX which are all wrong and need to be removed. My Drivers License and Social Security card are attached for verification. The have License number listed which is n't mine and I have my Drivers License attached for verification and that information needs to be deleted as well. Then the address 's I have lived at : XXXX XXXX XXXX XXXX, XXXX XXXX for 8 almost 9 years. These addresses ; s are not mine : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX Rt 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 this is my parents address not mine please delete as well. I have attached the Chex Systems Report so that you can see it for your self. I have over XXXX inquiries from Credit Unions and banks that I did n't authorize to pull my information and I even notice XXXX banks reporting as NSF Activity that I want to be removed as well. One has a misspelling of my name and the wrong address and others I am disputed in invalid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Genesis FS Card Services, 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: Their investigation did not fix an error on your report

Complaint:
I, XXXX XXXX tried to get Gensis Retail to fix the 30 day late on my credit report from XX/XX/2022. They removed the late fee however, never took the actual 30 day late off. I have tried talking to them on the phone and they were " not '' very nice and their corporate office refused to help as well. They only care about, their money and not, their consumers well being. I tried making a payment via, the phone and couldn't get someone to handled it, properly and they admitted that, they were having issues. I currently, have an online account to pay my bill and do " not '' trust them over the phone at all. I have only XXXX late with them on XX/XX/2022 and want it, to be removed since, their company is not trustworthy in doing what, they say they are going to do. They never called me to tell me, that the payment didn't go through or they had they had the wrong account number and etc. There was over $ XXXX in assets in that account ... .. NEVER called me to tell me that, there was an issue at hand. 
Please help me... I am so frustrated with them and them not caring about, their consumers at all. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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:
The unverified account indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if youdo not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX Late Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: OH
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 Account # XXXX, has 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 2016-01-06
Company: MS SERVICES LLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a collection that 's been showing on my XXXX and XXXX report for a while that is not mine. I disputed through XXXX, and receive a verdict that they were unable to verify this was mine, and they agreed to remove trade line from CRA 's in 2012. They are still on today and disputes did not work with XXXX or XXXX, and Collection Agency is not acknowledging the letter they send agreeing to remove from my reports. 

The tradeline on reports is Mountain State Adjustment, they also go by MS Services & XXXX it looks like. 

Please help me get this resolved, it 's making it hard for me to get an affordable rate on a vehicle for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
XXXX fell behind went to court their lawyer asked if we can settle on agreement I looked over the expense some was wrong we then took some item off the list and made agreement for XXXX which I agree to pay. I then got a letter stating I owe XXXX which was not what I agree to a small claims courtthey have threaten to put on my credit report which as of few weeks ago they did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I have been trying to refinance my XXXX Mortgage, this was an interest only loan from XX/XX/XXXX that went to a 6 month ARM. the value is finaly such that I have enough equity to refinance. The process was started on XX/XX/XXXX. I also have a XXXX mortgage that must be subordinated through Select Portfolio Services. All requested documents were sent by me within days of request. both companies have dropped the ball on loan processing. the XXXX lien holder took XXXX ; 30 days to complete the subordination agreement. When it was sent back to them for signature, they said it did not match the good faith. When it was corrected and sent back for signature, the signature line was incorrect!!! Now for the XXXX time the subordination agreement is with them to be completed and they are still dragging their feet. this was to refi my ARM to a fixed rate loan lowering my payment by over a {$1000.00} per month. To get either company moving I keep escalating my complaints but they both are so incompetent. They are happy to take my payment on time each month for the last 10 years of course when I refinance, they will make less money. Not sure if there is anything you can do about this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: NY
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:
I, XXXX XXXX, am a victim of identity theft. There are fraudulent accounts on my credit profile that need to be removed. 

Please see identity theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX bureaus. This is unlawful and illegal.

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 2022-04-22
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, has 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: CASHCALL, INC.
State: NM
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan on internet with the company CashCall for {$2600.00} in XXXX of XXXX. About a month ago I called to ask for the balance. I was informed that my balance was XXXX and some change and that i had already paid XXXX in interest and it was due to be paid off in XXXX of XXXX. I then told the representative that this was ridiculous especially since i pay them XXXX a month and have so for the last 2 years. I then went on to tell the representative that at the end of the term i would be paying back around XXXX for XXXX that i borrowed. At the beginning of XXXX XXXX i closed my bank account, I feel I have paid this off at least XXXX in a sense and I had always paid with good faith and had always been in good standing with this company up until recently. I am at this time behind for the month of XXXX. I now get numerous phone calls throughout the day as well as several emails. Now my parents are receiving harrassing phone calls asking them for information because they have filed a suit against me. Dont know how they have information to contact my parents. This is only the beginning but feel that this will ruin my credit seeing they report to the Credit Bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: GUARANTEED RATE INC.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In short.. our mortgage carrier failed to pay a bill from our escrow account that was submitted to them via email, which can be proven. Subsequently they force placed insurance that was almost 4x normal rates, despite having coverage through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have only refunded a portion of the money and will not resolve the issue. We have been trying to get it fixed since XXXX. I have tracked our correspondence and we have at least XXXX phone calls and XXXX emails trying to fix the issue and they will not provide an answer/solution. They keep stalling and are going to raise our mortgage to " catch up '' on escrow despite the fact that they owe us a refund. They have since failed to pay the bill again to our insurance and our policy was cancelled, even thought they have all necessary information to pay the bill and the money is in escrow. My insurance provider has also saved records of correspondence and they just can not be trusted with this escrow account nor to pay the bills on time. Cancelled policies cost me more money out of pocket to reinstate them to the amount of XXXX XXXX I can provide copies of phone records and emails upon request. There are several and attaching so many may cause an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Focus Holding Company
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These folks keep calling and are asking me to return a call about a debt that I owe however when I attempt to call them I am put into a never ending loop and I get to speak with no one. They have also put something on my credit report that I know nothing about but since I can not speak to anyone I can not get resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Account Managers, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
They are still on my credit report and should n't be

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 2015-05-29
Company: Focus Holding Company
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received continuous calls from Focus Receivables at XXXX. I have asked them time and time again to remove me from their automated calling system and 1 year later I still receive calls. They said I am not the one they are looking for and will remove me from the list and then 2 days later another call or XXXX comes in. Now they just hang up on me before I have a chance to talk to a real person, but they wo n't quit calling. They need to stop harassing people.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, I was taken by a XXXX XXXX XXXX to hospital. At this time I was insured under XXXX XXXX of California. I was admitted to hospital and the hospital costs were paid by XXXX XXXX. The ambulance company XXXX XXXX failed to collect payment from the insurance company as beginning in XXXX they have repeatedly sent this debt to collections in full knowledge that I am not liable for the debt. 

In XXXX XXXX, XXXX XXXX  were informed in a three-way call with XXXX XXXX that I am not liable for the debt because I was covered by my insurance ( see attached documentation ). I was given he reference number : XXXX by XXXX XXXX of California. XXXX XXXX confirmed that XXXX XXXX never submitted a claim for the ambulance ride, instead they have harassed me for payment for the past four years in full knowledge that I am not liable for the cost as I was insured. 

Despite the fact I am not liable for the debt XXXX XXXX first initially removed the debt from my credit report. Then in XX/XX/XXXX, XXXX XXXX has once again sent this debt to a collections agency called Wakefield & Associates, and this company has deliberately returned it to my credit report. In XX/XX/XXXX, I phoned up Wakefield & Associates to dispute the claim they claimed they would notify the credit referencing agencies of the dispute. The collection agency did not do this instead they increased the amount I owed them to hide the fact they were collecting the same debt twice, which I do not owe.. 

I have attached the original ambulance ride inclusive of dates demonstrating that they are deliberately attempting to coerce payment from me so as to prevent further damage to my business. 

The XXXX XXXX  ID number I had at the time was : ID : XXXX Group : XXXX This insurance information is confirmed on the attached correspondence. XXXX  XXXX stopped doing business in XXXX XXXX in XXXX, thus the debt they have added to my credit report is the same debt they were told to remove by XXXX XXXX in XXXX. They returned the debt to my credit report by claiming it was {$1.00} dollar less than the first charge than the first debt they put on my report. 

The date of Service for the Ambulance ride was : XX/XX/XXXX and the Run Number was : XXXX. 

I do not understand why the credit reference agencies are allowing this clearly fraudulent conduct to occur. This is nothing short of extortion. When I phoned Wakefield associates to dispute the claim they did not mark it as disputed instead they increased the amount owed so it looked distinct from the first debt they placed on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: Experian Information Solutions Inc.
State: KY
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:
My student loan, a XXXX loan, was first serviced by XXXX XXXX XXXX, which no longer has the loan, as the contract with the US Dept of Education was cancelled. I have never been late nor missed a payment. 

My credit files show that the loan was 120 day late in XX/XX/XXXX of 2012 as reported incorrectly by US Dept of Ed - XXXX, which was the loan servicer that no longer exists. 

This makes no sense because it is showing as current the month before and after.

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 2020-08-09
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation