BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-16
Company: EQUIFAX, 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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX  XXXX XXXXBalance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: LA
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:
My previous company was issued a merchant cash advance by XXXX in 2016. The company was liquidated in a chapter XXXX bankruptcy. I recently discovered that XXXX is reporting the advance on my personal credit report as a write off. The problem is, I never signed a personal guarantee, and would not have signed a personal guarantee for a merchant advance. Therefore I am not personally responsible for this debt. I received a copy of the contract from XXXX, and it clearly has no signature in the personal guarantee section. When disputed with XXXX, their response was that since it is allegedly an electronic signature, it won't show up on the contract.

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 2020-10-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I printed a letter to XXXX, Equifax XXXX XXXX, I then mailed the letter to all three Bureaus on XX/XX/XXXX, the only Bureau that responded were XXXX. On XX/XX/XXXX I printed the same letter advising that it had been over 30 days and I still haven't heard back from XXXX  and Equifax. The letters were mailed on XX/XX/XXXX. Along with the second set of letters I set XXXX XXXX a letter per response from XXXX  and have not heard back from them either as of XX/XX/XXXX. All three bureaus is reporting a Bankruptcy on my report dated XXXX but states that it were verified XXXX. I asked for them to validate this information, XXXX  states they verified this information through XXXX XXXX. I'm aware that each Bureau has 30-45 days to respond, for XXXX, XXXX XXXX & Equifax its been over that time frame. I also contacted the courts and verified that they do not provide either of the listed parties this type of information. I'm not aware of all the legal terms when it comes to this. Since the allocated time frame has passed, this information should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My company 's 401k account is administered by Wells Fargo Retirement Services. Neither account holders, the Company, branch personnel nor Wells Fargo Executive Office can reach a person in Retirement Services. All we get is being on hold listening to music infinitum from XXXX EST to XXXX EST. Neither the Executive Office or branch reps have a name of who is over Retirement Services. 
I'm XXXX years old, wanting to retire at year end and have to watch my account fall each day & not access my 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 explanation
Consumer complaint received 2022-09-01
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I purchased tickets to a XXXX XXXX concert from a user on XXXX ( username is @ XXXX ). They initially sent me a screenshot of official tickets/seating chart but not the actual tickets. After conversing, we agreed on me sending an initial {$50.00} deposit to secure the tickets and then send the remaining {$490.00}, since the 2 tickets came to {$540.00} in total. This XXXX user ( who went by XXXX but was listed on XXXX as XXXX XXXX XXXX, continuously asked me to send proof of instant payment however she would not send the tickets to me. She made every excuse, including creating a fake letter from XXXX saying that the only way tickets can be distributed to me is if I sent another {$200.00}, which is completely false since ticket transfers are free. I then realized I was scammed. Once I told the XXXX user that my bank will be getting involved and for her to at least send my money back, she then blocked me on XXXX and essentially took my money. 
On XX/XX/XXXX, I went to my local TD bank branch and opened a dispute case regarding the scam. I also filed a police report on XX/XX/XXXX. Because the bank denied my dispute request, I refiled my claim on XX/XX/XXXX and sent the police report. 
Although I voluntarily sent payment to this user via XXXX, I still believe this is fraud due to the misleading information and one-sided transaction. ( I attached the police report as well as our conversation via XXXX direct message )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a XXXX who needs access to a statements from a closed joint checking account held with Bank of America. EVEN WITH the " letter XXXX '' given bank of america on XXXX XXXX, 2014, they refuse access XXXX. The bank contends they do n't have the document even though it was used to close the joint checking account and open a " guardianship '' checking account. They are requesting documentation again to review and see if they can grant access XXXX for his closed joint checking account which will be thru XXXXXXXX, I am asking for immediate electronic access to the closed joint checking account in preparation for interrogatories and his pending divorce. XXXX Hence, the reason for a court appointed XXXXguardian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10
Company: QuickClick Loans of Illinois, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
On XXXX XXXX, 2016, XXXX XXXX of Brookwood Loans phoned me at XXXX XXXX regarding payment on a loan. My XXXX is XXXX and I can provide phone records. This is in violation of the Fair Debt Collection Practices Act, and because I am a resident of California, it is a violation of the Rosenthal Act.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, 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:
I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : EQUIFAX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; EQUIFAX XXXX  XX/XX/XXXXXXXX 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 EQUIFAX  MORTGAGE SOLUT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
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:
I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XXXX XX/XX/XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2017-12-16
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Tuesday, XXXX XXXX I called this debt collection company that goes by the name of XXXX XXXX XXXX to ask why I got letter saying they were going to sue me. They were demanding a debt more than what I owe and trying to get me to pay more than what I could afford to pay for. The full amount they wanted me to pay was {$1700.00} nothing I 've ever spent. Then they tried to get me to pay XXXX or XXXX. Then XXXX. This was all discussed over the phone number they provided on the letter they mailed to me. I think this was the first letter they 've ever sent me. I do n't remember them ever contacting me although on this letter they claim to have made several attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Moneydart Global Services Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020, I initiated a transfer of {$10000.00} to my family in XXXX due to financial situation there are facing currently. I used XXXX XXXX XXXX service ( https : XXXX ) to transfer the money. 

When doing the transfer I was promised that money deposited in XXXX bank account on or before XXXX XXXX. Today is XXXX XXXX and no money has been deposited and additional company is NOT responding. I tried contacting their phone and email lines but no response at all. The {$10000.00} has been debited from my XXXX XXXX  account already last week but it has not made its ' way to XXXX bank account. 

I am worried about that I may have lost {$10000.00} plus my family needs that money as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our family has been going through financial difficulties due to my employment loss and my  XXXX  veteran husband having many health problems and  XXXX  in a las t 4years. W e have made attempts to get loan modification from our le nder ( Chase Bank ) but  have n't got anywhere with it. So we have decided to short sale our home and try to start new chapter renting out. We got short  sale specialist  realtor/agent helping us with a short sale transaction. We have signed sale contract with people that gave us cash offer for purchase of our home. Appraisal has been done alone with all other required details by lender. And suddenly couple weeks ago we received Notice with  XXXX   XXXX ,   XXXX   foreclosure sale date. Lender has send communication to our short sale agent last Friday  XXXX   XXXX , that they have submitted file for approval/decision on a short sale offer. However they are not postponing the foreclosure sale date. We are very worried about what will happen to our family. We have  XXXX    XXXX    children living with us. My husbands health been declining and he is dealing with a possibility of another  XXXX . He has served 25 years in  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   and had     XXXX  - XXXX      XXXX   in a last 4 years due to   XXXX   he received in tours in a  XXXX   XXXX . Our Lander well aware of our family been military family and my husband been   XXXX   XXXX    XXXX  veteran. It 's beyon our understanding why they are not trying to help and do n't postpone foreclosure date, especially since we are at the last stage of short sale pending approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
It started when they applied my 2nd loan payment to the wrong acct. When I called and said no, I made the payment, with added principal payment. They saw the mistake they made and applied the funds to the correct acct. Since then I have made the payment every month. Now they say I owe XXXX for " Principal Advance Fee '' from back in XXXX. 
the statements have not refeclted this balance, despite since then, ... I have made XXXX additional Principal Only Payments to this acct. Apparently ... the overage back in XXXX of XXXX that I had expected to go towards principal, they took as a Partial Payment. there for they " loaned '' me the other XXXX to make the payment complete.??? on a payment that wasnt due, or late. This loan is due to be paid off early by my small principal payments I have made all along for 7 years. Now they expect me to believe I need them to loan me money for a payment? doesnt make sense. How did it end? When I said this cant be legal, that I was going to file a report. They came back on the phone with they were going to send me the money from their corp. acct to use to pay this fee. HUH? so why would they do that? why not fix it and make it right on my acct. I told them I never authorized this, and I would never go into the bank with XXXX and make a partial payment asking them to float me a loan for the rest? doesnt make sense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX the XXXX I wake up find out I lost XXXX points on my credit report by the 3 bureaus, I was shocked and frustrated and embarrassed with td bank na bout a delinquent, I did not had any knowledge of it since i been making my payments on time for the past 3 years, when I tried to reach out to td bank they didnt help me at all whit this matter, they representative Hang up the phone on my several times and be rude and put on hold no body answer I was to apply for loan and credit card theyre denied me.. please I need help to resolve this issue.. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX has been calling my relatives and they even called our next door neighbor to talk about our student loan debt trying to contact us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: U.S. BANCORP
State: KY
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:
US Bank has information connected to a different person on my credit report and refuse to remove the information with XXXX Credit bureau. 
I called and spoke to a US Bank Fraud representative that stated she could not find my full name in their data system. I explained the accounts are dated before I was established in the US. Then, she wanted my information to mail forms to be filled out. I was hesitant on providing my personal information but they were going to send forms and someone from the company would contact me. She gave me the Claim ID number XXXX on XX/XX/2021. 
Nothing was sent and no phone calls yet two accounts were remove from XXXX and a credit card account continues to remain.

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 2020-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I just got my car repose and pay a full amount but I just couldn't afford to pay almost 2600 and the XXXX the next month and I was wondering how can I get that waive fee off

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: The CBE Group, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On or around the XXXX of XXXX 2016, I received a call from CBE Group about an XXXX XXXX XXXX bill of XXXX. I do not have a bill at XXXX XXXX XXXX for XXXX I am still a client of XXXX XXXX XXXX. I told them that I had not received a letter from them and he stated that they mailed me a bill. I told them I have not received anything from you so please send me verification or a statement, because I do not know who you are. He stated he could not and nothing ever came, but they called XXXX 3 times a day on cell phone and home number. I answered again and asked to see the bill and they told me that they emailed it to me and the email had been opened. I asked for the email address where they sent it and it was not mine, I told them that. They said they could not send out another bill. So I called on XXXX XXXX and asked for their mailing address to send them something certified and they would not give me a fiscal address, the woman stated that they did not have XXXX, only a XXXX XXXX XXXX so I looked it up and they did have a fiscal address. I called again on XXXX XXXX and asked for the account # and the woman was very hesitant she only wanted a payment of XXXX. I sent them a certified letter on XXXX/XXXX/16 and on XXXX/XXXX/16 I received a letter ( attached ) stating that they had sent me a letter over 30 days ago concerning this bill, then I received an alerts on my phone that this was put on my credit reports XXXX. I want this negative account removed from my credit reports. I want this bill validated that I even owe XXXX XXXX XXXX and that they have the right to collect from me. Answers to the information that was sent to them certified and they received on XXXX/XXXX/16. Copy of USPS Tracking information attached and copy of letter that was sent to them, and a copy of the letter that I received from them on the XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient ( former XXXX XXXX ). Is threatening and ruining my credit score because they are a backwards company. XX/XX/2014 I had made a payment of {$930.00} to make my account up to date. XXXX days later I made another payment for XXXX of the accounts for {$170.00}. Navient is claiming that I still have not paid the XX/XX/XXXX payments and other payments throughout the year. They have sent numerous credit reports stating I 'm this far behind when I'am not. I sent Navient a printed payment history from their website and highlighted each loan payment in a different color for each loan stating when it was paid and the amount. They are still threatening that this is behind calling family members who are not immediate asking for my co-signers. Im trying to resolve this situation and pay my loans but it is impossible to work with this company and they are affecting my future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been trying to find the registered agent for this institution that has a company listed as an agent and direct contact to a person. The state listed on my agreement states the company is listed in Ohio but when I search XXXX that site says the company is dead. When I search the address listed on the statement for Michigan it says the registered agent is a company. When I search the site listed on FDIC for Delaware it states the registered agent is a company. This company continues to do business across state lines and does not have a clear and direct person of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Information belongs to someone else

Complaint:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries 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

Company response to consumer: Closed with explanation