BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On or about XX/XX/XXXX, I discovered that {$5000.00} was transferred out of my checking account without my authorization. I also discovered that additional funds had been transferred out of the savings account I hold jointly with my daughter. The money went to accounts ending in XXXX, XXXX, XXXX, and XXXX. I did not open these accounts and have no knowledge of them. 
Here is a listing of the unauthorized transactions : 1. {$5000.00} was transferred out to XXXX from XXXX checking XXXX on XX/XX/XXXX XXXX. Between XX/XX/XXXX, and XX/XX/XXXX, multiple unauthorized transactions in and out occurred in the XXXX savings account ending in XXXX. They are as follows : a. {$5000.00} transferred out to XXXX on XX/XX/XXXX b. {$5000.00} transferred in from XXXX to XXXX on XX/XX/XXXX c. {$5000.00} transferred out to XXXX on XX/XX/XXXX d. {$5000.00} transferred in from XXXX to XXXX on XX/XX/XXXX e. {$5000.00} transferred out to XXXX on XX/XX/XXXX f. {$5000.00} transferred in from XXXX to XXXX on XX/XX/XXXX g. {$5000.00} transferred out to XXXX on XX/XX/XXXX XXXX. As a result of unauthorized activity, account XXXX had the following debits for funds transfer returns and returned item fees : a. {$5000.00} funds transfer return on XX/XX/XXXX b. {$5.00} returned item fee on XX/XX/XXXX XXXX {$5000.00} funds transfer return on XX/XX/XXXX XXXX {$5.00} returned item fee on XX/XX/XXXX XXXX {$5000.00} funds transfer return on XX/XX/XXXX XXXX {$5.00} returned item fee on XX/XX/XXXX I disputed the transactions during numerous phone calls with USAA representatives between XX/XX/XXXX and XX/XX/XXXX. Some of the representatives were XXXX, XXXX, XXXX ( XXXX ), XXXX, and XXXX. I was told : Some of the transactions originated from locations in XXXX and XXXX XXXX. I have not been to XXXX XXXX since the summer of XXXX when I drove through it on the way to XXXX. I have never been to XXXX. I can submit data from my cell phone to confirm this. 
A checking account was opened XX/XX/XXXX, using a device under my account. I told the representative that I did not open this or any other additional checking accounts. They would not tell me anything about the accounts or the device used. A forensic expert is welcome to examine all my devices to confirm that I did not use any of them to create the additional accounts. 
I did not authorize these transactions. I did not authorize anyone else to make these transactions. I did not benefit from these transactions. I do not know who made these transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Nelnet, Inc.
State: IL
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:
You have violated my consumer rights under fair credit act section 15 U.S.C. 1681e ] as well as 606 section ( b ) & ( c ) ( d ) 1 I ask that you remove This account under the guidelines of metro 2 format compliance this account is inaccurate under fair Credit section 623 ( 1A ) ( B ) ( i ) ( ii ) 3 as well as 609 ( A ) 1 Sec 611-2A1 ( 2B as this account does not belong to you and as been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: NJ
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 Credit reporting agency are reporting inaccurate accounts on my file even though they have actual knowledge of the errors on these accounts they are now deliberately violating my consumer rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also States a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1692C also this law clearly states that without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As a result of the COVID-19 National Pandemic, I couldn't continue paying my mortgage, so I decided to apply for a forbearance plan with my mortgage company, Mr. Cooper. After exhausting the maximum time allowed, I worked with Mr. Cooper to address the situation and obtain a reasonable workout that would enable me to bring my mortgage current and make my mortgage payments more affordable according to my current financial situation. Finally, a few months ago, Mr. Cooper approved me for a set of three trial payments of {$2700.00}. I fulfilled my three approved trial payments. Unfortunately, since then, the servicer has been delaying the final modification documents that allow me to complete the process and begin with my regular payments. 
There had been weeks and weeks waiting for the final paperwork ; in the meantime, I continued making additional trial payments. 
Whenever I call my lender, Mr. Cooper 's representatives don't understand the real reason for this unnecessary delay ; they stated that they don't know why my case is breaking their own servicer rules, but the truth is that until today there is not a resolution. At this point, I am terrified of losing my home in a foreclosure sale due to the current past due balance due to my forbearance, which I can not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: ERC
State: MI
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: Problem with personal statement of dispute

Complaint:
Hello. Ive recently disputed a account through XXXX that is unfamiliar and does not belong to me. 
The company iS XXXX XXXX XXXX in the balance of {$570.00}. Ive asked for them to verify this account and my results came back asverified as accurate They also didnt sent me the documents in their files to verify this account which from my understanding means it legally has to be deleted under the fair credit reporting act, 15 U.S.C 1681i. I ask that you please look into this account and help me by any means. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$810.00} ; XXXX XXXXXXXX Balance Owed : {$800.00} ; XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX To Whom It May Concern : I recently received a copy of my consumer report and I noticed an account on my consumer report that should not be there. It was removed so why is it on my consumer report again? This isn't a joke that you corporations consistently allow other corporations to do and i've had enough. 



As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following account must be deleted from my consumer report immediately. 

XXXX XXXX XXXX agency is in violation of 15 USC Section 1681 i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

In addition to the Violation above pursuant 15 USC 1681 ia ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after XXXX reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 


Account # XXXX The above account is inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. 
Information on the consumer report must maintain Maximum Possible Accuracy. 
Accuracy means- correct in all details ; exact 15 USC e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
The details of the account are inaccurate AND they are not exact in details and amounts. 


Equifax you shall comply with the FCRA 15 USC 1681 YOU WERE SUPPOSED TO NOTIFY ME AND YOU FAILED TO DO SO!!!!!!!!!

( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency, shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that, by other means available to the agency. 


DELETE THIS INACCURATE & INCOMPLETE!!!! ACCOUNT FROM MY CONSUMER FILE Yours Truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I want a account thats been fraudulent open remove

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 2023-07-19
Company: WELLS FARGO & COMPANY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a Credit card with Wells Fargo. 
I took an offer for a 0 % Transfer check for {$5500.00} Well within the stated credit limit of {$6000.00} I deposited check into my XXXX checking to pay other cards. XXXX accepted check on XX/XX/2022 then on XX/XX/2022 the check was bounced for lack of funds!!! 

I didn realize what had occured, and did not get notice from XXXX ... except on monthly statement,,, that i did not check ( electronic ) Wells Fargo, continued to charge my account as if it had paid me the {$5500.00}. I have been making payments. 
Now, when I tried to get my electronic statement from XXXX or XXXX XXXX they dont have it!! They only showed my statement starting in XX/XX/2022 with a balance of the XXXX plus the upfront interest When I call them, I get disconnected after I demand the XXXX, XXXX and XX/XX/2022 statements. I did not make any other purchases with card .... still " owe over 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 2023-07-13
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
A quick background on me : my wife and I are near retirement age. We each have credit scores of over 800. We ALWAYS pay our XXXX credit card bills each month. We own our house. We are very secure financially. 

So why do I write this letter? To call out a large financial institution that chooses to work against the best interest of their customers. 

Here 's what happened : Two years ago I went into overdraft on my Citibank Checking " Plus '' account. I believe this overdraft occured when I moved money into my son 's college account. I'm guessing the account was in deficit for less than XXXX XXXX 

Here 's my problem : I believe that Citibank uses a highly suspect business practice. Even when my account bounced back into positive territory a day or so later ( and averaged approximately {$20000.00} for many years ), the bank chose not to notify me in a meaningful way. They chose to gamely take my money, {$1400.00} in interest, for over two years. And they would still be charging me interest if I didn't happen to stumble upon this outstanding debt. 

My question is : WHY ISN'T THE CONSUMER NOTIFIED WHEN INTEREST IS ACCRUING AGAINST THEM? Credit card and mortgage statements are very clear about notifying the customer, giving them options for payment. Why should CITI get a free pass here? Shouldn't the consumer ALWAYS be notified if they're in arrears? When I say " notify, '' this means a SPECIFIC notification, not just a monthly statement with interest accruing charges unseen by me for 2 years. 

When I wrote CITI 's corporate headquarters, they 1 ) flatly refused to discuss any compromise or refund, and 2 ) muddied the waters by denying that this practice was " discriminatory. '' ( Very strange - I never accused them of discriminating against me. ) What they pointed me to was a single line item, " Checking Plus '', at the VERY bottom of my home landing page. Well, I NEVER look at this remote place online. When I go online to my CITI account, I see my account at the top, and I click on it to do my online bill paying, etc. I don't scroll down to a line item ( that I didn't even know I had! ) Why can't they be required to notify their customers that they're in arrears on overdraft interest? Why can't a letter or email go out? Why can't a banner appear at the top of the online account page? Why not a message alert? I think I know why, it would lose this megabank lots of easy money! 

I ask that the CFPB do a deep dive into CITI 's overdraft policies. I believe they are designed to reap a steady flow of well-disguised interest charges from unsuspecting customers. 

Thank you very much. 

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 2022-06-16
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the fair credit report. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681-section 602 States I have a right to privacy USC 1681c section 604 section 2- also states a consumer reporting agency can not furnish an account without my written instructions. USC code 1681 no consumer report containing any adverse items of information other than records of convictions. 
XXXX XXXX acct XXXX XXXX of 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 2018-05-13
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX {$740.00} Never opened account with this company in XX/XX/XXXX ... ... I have tried several times to dispute this account but nothing works ...

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 2023-05-26
Company: EQUIFAX, INC.
State: NV
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX ......

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: PA
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'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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: TX
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:
This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$380.00}, XXXX XXXX I, XXXX XXXX Balance : {$4300.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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:
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act 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 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 2018-09-10
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I went to the dealership, XXXX XXXX, terms of the loan were for XXXX for 5 years at approx 10 % interest with one bank, for a XXXX XXXX XXXX XXXX, payments of around {$260.00} a month. I believe it was XXXX ( I have the terms in hard copy somewhere, just need to dig them up, which is why they are not attached now ), with the dealer paying off the remaining balance we owed with Santander Consumer USA on our XXXX XXXX XXXX XXXX XXXX. Santander kept calling me for approx 2 weeks after the deal was closed. I called the dealership to ask why the old bank had not been paid off, they said I needed to come in and talk in person. When I went in, I was told TWO WEEKS AFTER THE DEAL WAS DONE that XXXX had denied my credit application, and that I was being placed with Santander, at an interest rate of 19.5 %, pushing my payments form {$260.00} to {$310.00}, a {$45.00} difference. At the time I was working and healthy, which was back in XX/XX/2013, but now I am sick, in and out of work on disability, and have had the vehicle repossessed once already after coming back to work from XXXX XXXX XXXX. A {$45.00} bump in the payment each month is catastrophic, plus Santander keeps saying there is nothing they can do for me.

Company response to consumer: Closed with explanation