BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-13
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX /wells fargo bank fraudulently forclosed XXXX  county court XXXX  case no XXXX final judgemant XX/XX/2013 XXXX county court, kel atterneys /XXXX   /XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX tel XXXX XXXX XXXX XXXX XXXX atterney acting XXXX XXXX  they took my money and did nothing bank stole my home with over {$270000.00} equity in the house value by the bank {$560000.00} and lent a mortgage of {$250000.00} 50 % equity no missed paymants 3 forms of proof of paymants bank forged and doctered bank statemants, the bank cleared out my escrow acount prior to putting me in forclosure, the bank sent the contents of my escrow acount to my home owners insurance that was already paid for the year sent the cheques then closed the mortgage acount saying in forclosure funds came back to the bank? acount was incredit over {$7000.00}. they stole that money also a co signed insurance cheque for {$2500.00}. the bank stole also this was a complete act of fraud and deception committed the XXXX  county judge XXXX XXXX in XXXX  with the bank in a 4 min heering XXXX XXXX refused to look at proof of paymant and the court reporter disapeared? XXXX atterneys took money up front and did nothing to prevent the forclosure i have over 40 CFPB case complaints against XXXX wells fargo bank but the cfpb have done nothing for me you have all the information on file i will take the bank to court thanks o i reported the cfpb to the ombudsman for doing nothing

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 2022-11-23
Company: EQUIFAX, 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 is missing that should be on the report

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 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 XXXXXXXX, 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 2021-01-15
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
This is an ongoing problem for users sending virtual currency to the company Coinbase ( " a digital currency exchange '' ). On XX/XX/20 I made a deposit to my Coinbase account which was confirmed completed at XXXX for a transaction of XXXX Ethereum to my Coinbase account which has a current market value today of approximately {$52000.00}. I have yet to receive the funds in my Coinbase account. After reaching out to there customer support team, they do not have live agents to speak to only automated email responses informing that they can not help me at this time as the transaction was performed on another network and they can not access it. This is not true as other exchanges ( Liquid ) have assisted their users in retrieving the funds for them. The funds are on their servers and they are not willing to assist in crediting or resending back the asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, 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:
I have submitted multiple disputes to XX/XX/XXXX, Equifax, and XX/XX/XXXX about the identity theft incident that I was involved in last year, they have failed to respond to any of my disputes and they have broken multiple laws in the FCRA and the Consumer rights act I am asking the CFPB to reprimand them for violating multiple consumer laws and failing to validate any of these fraudulent accounts that they are reporting.. I demand compensation as I have been sick with XX/XX/XXXX and haven been able to work or receive assistance due to their reporting of this false information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: M&T BANK CORPORATION
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX I accessed my XXXX account to remove a closed bank account and add my new bank information to transfer {$500.00}. During this process, I pressed the wrong button and XXXX sent the transfer to the closed account. Within five minutes, I tried to cancel it thought XXXX, but I was unable to do so. I was told that if it was sent to a closed account, it would be returned to my XXXX account in 5 days. XXXX does not offer XXXX recalls but has provided me with the trace number for the transaction. I have spoken to Peoples United bank which merged with M & T Bank after my account was closed approximately every three days since. They have confirmed that my money has been deposited into someone else 's account at M & T Bank that does not belong to me. Every person I have spoken with has given me a different story as to why this is taking so long and I have to start over from the beginning of the story every time I call them. I have given them old addresses, account numbers, social security numbers, the actual trace number for the transaction which they have confirmed did not go to me. They refuse to let me speak to anyone in their ACH department and are now telling me I have to file with small claims court and file a police report to ( maybe ) get my money back. I am hoping that filing this complaint will help.

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 2019-10-15
Company: Ocwen Financial Corporation
State: IA
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:
Due to hardship we had to do a mortgage loan modification for both our first and second mortgage in XX/XX/XXXX with Ocwen loan servicing ( government program HAMA ). Upon completing that, the letter we received later in XX/XX/XXXX states that our second mortgage loan was in default, was being transferred to XXXX XXXX XXXX but it never states that our loan was going to be charged off. Since then we have made every payment for over 5 years like clockwork. 

Sometime between XX/XX/XXXXand XX/XX/XXXX Ocwen " merged '' or " sold to '' or " hired '' PHH mortgage services. We now receive statements for both our first and second mortgage from PHH on PHH letter head. However, the statement for our second mortgage on PHH letter head instructs us to send the payment for just the second mortgage to XXXX XXXX. We find this deceiving and gave us the impression for over 5 years that Ocwen/PHH still held our loan and had not charged it off. 

Now Ocwen has reported to at least XXXX and XXXX   ANOTHER CHARGE OFF in XX/XX/XXXX ( how can they charge it off twice )? We can prove they charged it off in XX/XX/XXXX and are now charging it off AGAIN in XX/XX/XXXX ( at least according to our credit reports ). Also, we believe our credit reports are changing almost weekly since we filed the complaint with Ocwen/PHH/XXXX  ( we are not sure which company we should be dealing with? ). We think they are trying to change it to cover their tracks or dates etc. We have pictures of different report dates etc constantly. 

Both XX/XX/XXXX and XX/XX/XXXX are wrong. But, specifically XX/XX/XXXX is bogus, it even reports a highest balance of {$0.00} for our second mortgage, {$0.00} paid on that loan but then shows a balance of over {$30000.00} and shows as a " charge off '' in both XX/XX/XXXX and XX/XX/XXXX. 

How can you charge a loan off twice 5 years apart? And report a late payment when we have made payments for over 5 years like clockwork? 

How can a company charge a loan off twice 5 years apart after we have made the payments AND they send statements from the same company even though we are sending payments to a third company? 

This slight of hand and bogus credit reporting is ruining our ability to function and get any consumer and business funding/capital. 

We have attached two pictures below that show two charge offs, one in XX/XX/XXXX and one in XX/XX/XXXX. You can also see that it reports we have paid off {$0.00} of this loan. We paid off almost half of this loan. It also shows highest balance as {$0.00} yet a balance of {$35000.00}. I mean nothing on this is correct. 

We have been trying to resolve this for over a month with the company and are getting nowhere. We are now filing this complaint and have hired an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
In early XXXX someone reached out to me and said that they wanted to help me join an organization that is dedicated to helping one improve themselves and help others. There was an initial start-up cost and after conversing and gaining the trust of this individual. I believed that he wanted to help me with this cost. He sent me a check book and with my youthful ignorance I did not realize the checks were in my name. I agreed to cash a check for {$4200.00} and I sent it over to a XXXX XXXX wallet. After the transfer, my account showed that the check was redacted. My account still stands at a negative balance and I have no means to pay this off. All I want is for my account to be at a XXXX balance so I can close the account because this alleged organization has the account and routing number. I have no idea what to do and this XXXX XXXX is already hard enough. I informed the bank the what happened, but they are willing to do anything.

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 2023-10-19
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2021-01-05
Company: TRUIST FINANCIAL CORPORATION
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report. 
On XXXX XXXX, XXXX, Regional Acc add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-10-19
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am having major issues making payments. My first payment was due on the XXXX of XXXX and when I made the payment, it pended for 5 days before being reversed and I was told my bank account could not be found. So, I deleted the bank account I had on file and reentered it diligently and remade the payment after XXXX first and was past due. I do not have the dates for this since and MOHELA does not keep record of payments that have been reversed. So after I reentered my bank account info I made 2 separate payments on XX/XX/XXXX. One for {$58.00} and one for {$25.00}. I then a few days later received a message saying my payments were reversed and I was still past due. I checked again this morning and now my account is saying those payments were accepted however nothing has pulled from my account and the notes of the reversal are gone. This company has terrible customer service and I can not get ahold of them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, I cashed two posted dated checks at XXXX XXXXXXXX XXXX XXXX in XXXX Fl. They didnt hold them and tried to cash them. The didnt clear. They called me and told me they would turn it over to XXXX XXXX Attorneys Office to collect monies owed through courts. the check amounts were {$110.00} and XXXX. SO I get the money and delivered it to them paid in full. Much to my surprise in XX/XX/XXXX Vance and Huffman LLC placed these on my credit report. I called them and told them they were paid. They said they didnt care that I owed the money. Quite rude. I called XXXX XXXX XXXX XXXX and they said they had no record i owed them any money. I called the collection again but they demanded I pay on a debt that had been paid in full years before. I dont have the receipt of payment because I changed banks and moved a few times. Covid happened shortly thereafter. This has caused great harm and undue stress. My attorney advised me to file a police report against Vance and Huffman. I want this removed from my credit immediately as its caused me great harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to an unapproved ATM trying to withdraw {$40.00} from my checking account on XX/XX/23 at approximately XXXX XXXX. The ATM did not dispense the money, showing RESTRICTED CARD as the error code and I have the receipt showing said information. I then went to an approved ATM and was able to withdraw the {$40.00}. My bank account then showed two charges. One for {$40.00} ( the amount I withdrew from the approved ATM and also another charge of {$43.00} as and an ATM withdrawal and an additional charge of {$2.00} as an ATM fee. I called the bank explained the issue but they didnt reverse the transaction, despite me having a receipt showing the error code. 

I dont know if any ATM that will dispense {$43.00}, specifically. The two charges are inaccurate and should be investigated and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: CA
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:
I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

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 explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2023-04-13
Company: Block, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I used the XXXX service of Afterpay for around {$1700.00} worth of XXXX gifts in XXXX and XX/XX/2022. Right after XXXX, I was made aware that I was being laid off instead of being able to take XXXX XXXX. I contacted Afterpay to proactively alert them that my circumstances had changed. They worked out a manageable payment plan. I recently found new work and paid off my payment plan early and requested that they reinstate my account. I originally had a {$2000.00} spending limit but now, despite my best efforts, theyve reduced my preapproved amount to an insulting {$100.00}. They shouldnt be able to penalize someone for doing the right thing - I never let my payments with them fall behind and I proactively worked with them to avoid this exact situation. This seems like theyre discriminating against me for being XXXX  and for struggling during an event in my life that was entirely out of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
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: Old information reappears or never goes away

Complaint:
After several attempts to correct the information regarding a loan with XXXX and 2 subsequent complaints through CFPB. The original creditor, in order to rectify ongoing eronious reporting errors agreed to deletion of the tradeline from my history. 
XXXX sent a letter to Equifax stating this on XX/XX/2019. 
Since then Equifax has refused to honestly and accurately dispute or follow up with this information and refused to remove it from my tradeline history. Equifax has been provided a copy of the letter attached in this complaint by both myself and from XXXX. The previous complaint is referenced underXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I fell behind schedule for my payment Initially because of a payment due date error. That was due to the company 's fault and error. I called got it adjusted. They offered me no payment plan or assistance of any kind. I explained my situation. But all they offer is repossession.

Company response to consumer: Closed with explanation