BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Please see all documents Mortgage Statements XXXX XXXX See all Escrow Statements from XXXX Please see email- The mortgage company XXXX have violated right that relate to FHA borrows, CARES XXXX XXXX the XXXX XXXX XXXX XXXX these XXXX support prior case number. XXXX. Please note payments have been made through this program and it appears that XXXX Mortgage payment processing center did not apply funds correctly. Please note it appears they are compressing unapplied funds and placing these funds in other account structures within XXXX Mortgage XXXX note that payments and refund payments was made by U.S. Trustee and those payments are not applied correctly. Please note that the Bankruptcy Payment was canceled in order to qualify for XXXX XXXX XXXX XXXX. Please note the borrow had made payments and those funds was not applied to account correctly. Please investigate these concerns. Please note extra charges and fees may have been applied to the account unfairly. See supporting article from CFPB. Please not due to the miss account and payment processing wrong information may have been reported to the ALL CREDIT RERPORT AGENCIES including XXXX XXXX. PLEASE NOTE : ON numerous times contacted the XXXX XXXX  about these issues. Additionally, I have requested that all correspondents be mailed to me via postal mail. XXXX XXXX  keeps sending emails to my accounts. Please see consumer protection rights under the federal and state code. Please note my age and race may have been violatehttps : XXXX  # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX under the federal civil rights code.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: EQUIFAX, INC.
State: FL
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. 

Account Name : XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX Account 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I paid off balance {$4000.00} online from checking account.

On XX/XX/XXXX, I canceled recurring payments of {$110.00} set to occur XX/XX/XXXX and XX/XX/XXXX.

On XX/XX/XXXX, Bank of America ( BOA ) processed an electronic payment of XXXX from my checking account. I did not authorize this! The credit card balance was already {$0.00}, and the transaction was not necessary and not authorized! This transaction resulted in a credit balance of {$4000.00}.

On XX/XX/XXXX, I noticed the unauthorized transaction and called BOA to look into possible fraud. Spoke to multiple departments - fraud, credit card services, online services - but nobody could provide reason or how an unauthorized transaction could have occurred. XXXX investigation # XXXX supposed to look into this matter. I requested the XXXX be refunded to me by check.

On XX/XX/XXXX, I called BOA regarding the findings of case # XXXX. BOA 's response was unsatisfactory because they only stated the facts of what happened, and did not provide an explanation of how such a transaction occurred without my authorization. It was not a mistake on my part, as I have evidence of my recurring payment for XX/XX/XXXX was canceled. Furthermore, the setup for my recurring payments was only {$110.00}. My account scheduled payment activity history does not show any authorization. I still believe there may have been fraudulent activity, but on the part of BOA in taking money from my checking account and hoping I would not notice.

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 2023-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In 2012 a credit card was applied and enrolled for me by Bank of America without my knowledge. I became aware of the credit card when I received it in the USP mail. Over the years I was charged extremely high interest rate fees. I have also been receiving unjustified fees for " cash withdrawals '' for the total account balance which is in the thousands. I never made cash withdrawals for thousands of dollars from the credit card. Over the years I contacted BOA many times to clarify that I did not receive cash withdrawals for the full account balance. Couldn't understand why I was being charged for these exorbitant fees. Each time I called I was told by the BOA customer representative that I needed to pay these extremely high fees or my account would be sent to collections. So over the many years I have continued to pay these exorbitant fees with no end in site to pay off this falsified credit card. I have in good attempted to pay my credit debt and have been financially indebted to BOA since 2012. I am seeking resolution to the never ending exorbitant fees.

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 2023-04-09
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: Their investigation did not fix an error on your report

Complaint:
Account XXXX is reporting inaccurately on the credit profile associated with my social security number as evidenced by : The account type detail is listed as a " Credit Card, '' but the credit limit is {$0.00}. This suggests that the account may not be a traditional credit card account. 

The number of months ( terms ) is listed as " XXXX, '' indicating that there has been no activity on the account, despite it being open for over four years. 

The high credit is listed as {$500.00}, but the balance is {$0.00}. This suggests that the account may not have been used or may have been paid off in full.

The comments section indicates that there is a consumer dispute - reinvestigation in progress, which may be impacting the accuracy of the information reported.

These inconsistencies may violate several sections of the Fair Credit Reporting Act ( FCRA ), including : Section 607 ( a ) ( 1 ) requires that credit reporting agencies provide accurate information in consumer credit reports.

Section 607 ( b ) requires that credit reporting agencies investigate disputed information and correct any inaccuracies.

Section 623 ( a ) ( 2 ) requires that credit reporting agencies provide information in a manner that is fair and impartial to all parties involved.

If the inaccuracies on the credit report are not corrected in a timely manner, the affected I may experience negative consequences, such as difficulty obtaining credit or being charged higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX XXXX, I opened a BECU checking/saving account for my XXXX-yr-old daughter, and at the same time co-apply for her a XXXX credit card. 
XX/XX/XXXX, I noticed the credit balance reached the limit ( {$500.00} ). I called my daughter and discovered some fraud charges. So I call BECU XXXX department and got credit back within 5 days. BECU cancelled the old cards and sent us XXXX new cards a week later. As soon as those cards activated around XX/XX/XXXX, more fraud charges were posted on the account. My daughter called BECU XXXX to report. They asked her to pay her portion ( {$74.00} ) and put the rest on a claim for investigation. three weeks later, there is no answer. We came to the bank, XXXX/XXXX/XXXX, and was asked to fill-out a fraud claim form. Two weeks later, I called for status, BECU agent asked me to file on-line with her on XXXX/XXXX/XXXX. Two weeks later, I called again XXXX/XXXX/XXXX. And here is the answer from BECU : " We are still working on your claim. It usually takes about 10 work days. Your claim took too long because during the holiday we have too many fraud cases. BECU does n't know when your claim is going to end. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-04
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:
Credit bureau has not removed fraudulent information indicated from my credit report. They have received all necessary documentation. It is illegal for them to leave fraudulent information on my credit report while they claim to investigate. 
I have alerted the credit bureau that I am a victim of identity theft. They have failed to delete the accounts that are fraudulent. I have sent them ALL requested documentation and proof of identity. There are accounts that have been closed with the creditors that are also still reporting. I will include them below. 
XXXX XXXX XXXX -account XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX they are also reporting late payments on an account - XXXX  XXXX XXXX - said account has been paid IN FULL every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XX/XX/2018 email : XXXX Attention XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX Re : XXXX XXXX Paypal Credit balance paid on XX/XX/XXXX still shown outstanding. 

Dear Ms. XXXX : I spoke to you on XX/XX/2018, over six months ago about the payment made through your firm for {$2900.00}, [ see enclosed return check in full and final settlement ]. I am the principal in this matter, and regardless of my legal representation, you owe me an absolute duty not to represent false information in court. 

It is your responsibility as a creditor to keep an accurate record of any balances due, including payments made, such as payment made on XX/XX/2018. You have 30 days from the receipt of the payment to update the Claims Register in the US Federal Bankruptcy Court in XXXX for case XXXX. 

You are now over 180 days in default of this obligation. Please treat this as the final notice should you fail to update the Claims Register within the next 4 working days. 

Yours Sincerely, XXXX XXXX XXXX Enc : Copies of phone call transcripts with you and your firm, return check & Claims Register. 

Cc ; XXXX XXXX attorney for XXXX XXXX, Federal Trade Commission Complaint

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 2023-09-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-31
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I contacted Wells Fargo after receiving a message on my online banking platform indicating the impending closure of my credit card. Seeking clarification on this sudden development, I reached out to Wells Fargo to obtain further details. To my surprise, I was informed that the closure was due to a business decision related to fraudulent activities.

Oddly enough, just two weeks prior to this incident, Wells Fargo had informed me in person at their teller line that my checking accounts were also being closed. Upon contacting Wells Fargo about the closure, I was once again informed that it was a business decision made by the bank. The reason behind this decision, it seemed, stemmed from a fraud case my mother had experienced in 2021, which directly impacted her Wells Fargo accounts. She had taken the necessary steps, including filing a police report and gathering evidence, to address the fraud that was being perpetrated on her accounts. Unfortunately, the perpetrator had managed to withdraw funds from her bank account. 

Around two months ago, I had added my mother as a joint account holder on one of my checking accounts. Due to the extensive fraudulent activity associated with my mother 's accounts, Wells Fargo decided to close her checking accounts as well. In an unexpected turn of events, their decision to end their business relationship with my mother also affected me, despite the fact that none of my accounts had ever been involved in any fraudulent activities.

The situation has left me perplexed and concerned, as it seems my account closure was a consequence of Wells Fargo 's broad response to my mother 's unfortunate encounter with fraud. I am currently seeking further clarification from Wells Fargo in order to fully understand the reasons behind their actions and to address any potential misunderstandings or miscommunications that may have occurred.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Rights and Protections as a a consumer were violated by Capital One, and I have exhausted all of my options at this point. I incurred a loss of upwards of {$4800.00}, because my Capital One Mobile Apps security had been breeched resulting in identity theft, fraud, and a plethora of unauthorized transactions through Debit, XXXX XXXX and XXXX a Large XXXX Transaction of {$2500.00} dollars was withdrawn/debited from my account in XXXX of this year, this was when I first noticed the fraudulent activity, I immediately filed a claim in XXXX once I was aware ( via my banking statement ). After filing this dispute, it was denied saying that there was no error found and that the transaction was made based on my instructions, this is false, Capital One enabled a fraudulent transaction via XXXX, which led me down a rabbit whole of verifying my transaction and finding that over XXXX ( and maybe more ) was slowly siphoned out of my account over months through a variety of unauthorized debit, XXXX XXXX and XXXX transactions. 

And to make matters worse, They closed my accounts in retaliation to me filing these disputes because they knew there was fraud but refused to refund me the stollen funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged {$50.00} for XXXX XXXX XXXX XXXX  that I never used ( posted XX/XX/23 ). After not being able to resolve it with XXXX XXXX XXXX, I disputed the transaction with Barclaycard ( on or around XX/XX/23. They soon after sent me a letter stating that my dispute was not approved because " We were not provided with the true nature of the dispute when first notified of the claim. '' This is untrue -- all the information I gave was factual. I contacted Barclaycard again and the agent recommended I mail in a letter explaining all the details. I did so, and received the same letter stating my dispute could not be resolved ( XX/XX/23 ). 

I should not have to pay for services that 1. I did not use and 2. was recommended to me by XXXX XXXX XXXX by mistake.

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 2021-05-24
Company: EQUIFAX, INC.
State: MS
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:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies. 


I would like this account to be legally deleted from my credit report as i have taking the step from credit litigation against you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have already disputed this debt direct with XXXX XXXX XXXX, for over 18 months on multiple occasions with several different debt collectors they have even collected {$1500.00} in good faith payments without validating the debt through one of 6 collection agency they have transferred the information to and each time I request validation I receive the same 3 forms with incomplete information from what was requested and when I respond that the information is insufficient to validate the debt, it gets transferred to another agency. 

Attached are only a few of the letters that I have submitted to different collection agencies employed by XXXX and at time it had been multiple agencies attempting to collect the exact same debt at the same time. I feel harassed and so does my alleged cosigner as he receives the same calls and letters, this needs to be removed from collections as they can not and have not proven that this is a valid debt that they own despite multiple attempts to validate and offers to settle this debt.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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