BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: WELLS FARGO & COMPANY
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:
On XX/XX/XXXX, I immediately notified Wells Fargo of unauthorized charges that were made on my account : XXXX transactions, totaling {$3800.00}. On XX/XX/XXXX, I received communication that Wells Fargo had completed their research and determined the transactions were authorized and a processing error did not occur. XX/XX/XXXX : I was notified that my account was being closed. On XX/XX/XXXX, I received a fraud detection alert regarding the unauthorized transactions that were attempted on my account on XXXX/XXXX/XXXX. 

Wells Fargo failed to adequately investigate my claim and instead closed my account. This is something Wells Fargo has a history of doing. Not only did Wells Fargo fail to adequately investigate my claim, but they also failed to notify me in a timely manner of the attempted fraud on my account, therefore exposing my account to aggressive fraud. I wasn't notified until XX/XX/XXXX regarding fraudulent attempts made on my account on XX/XX/XXXX. Had Wells Fargo promptly notified me, the fraudulent transactions could have been prevented. Had Wells Fargo adequately investigated my claim, they would have found that an error did occur on my account, but since they did neither, they have violated my rights as a consumer and wrongfully closed out my checking account without investigating and correcting the error.

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 2023-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
received a letter on XX/XX/2023 yesterday, Written on XX/XX/2023. The letter was from XXXX XXXX, Resolution Specialist, Regulatory Complaints. She said she would be my single point of contact. She also stated she hope to resolve this by XX/XX/2023. I am requesting, any communication I have with Bank of America should include CFPB or DOJ. My first experience with the Resolution Specialist was not a very good one. It left me to question her honesty. When someone tells you that they are going to send CFPB a separate letter. When someone tries to go offline I don't know if we are getting the same information. This forum was established so CFPB be the mediator. They are trying to understand the facts. Bank of America said they stand by their documents. So, this is when CFPB and DOJ find out who has been truthful. Bank of America and XXXX XXXX have ruined 10+ years of my family 's life. You can't get that back. My documents speak for themselves Notification I transferred this complaint from my husband 's email account that's XXXX I don't know what is going on with the razor 's email. Bank of America use it to not respond although my husband gave me legal authority to communicate on his behalf for any and all letters, emails, and anything that has to do with this Loan. ******This complaint belongs XXXXThis complaint was closed Bank of America said they sent CFPB their response and mail XXXX XXXX their 's. This is not the process. Follow the process, Post the comments.

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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 2023-03-22
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:
This is my NUMEROUS 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 XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: RI
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 requested the correction of inaccurate information that another credit reporting agency found inaccurate and had removed it. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX  XXXX Bankruptcy 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 XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 accordace 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. 
Account Number : XXXX XXXX XXXX. 
Account Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 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 an account without my written instruction 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 XXXXXXXX XXXX 

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 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 2023-03-22
Company: EQUIFAX, INC.
State: MA
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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
After spending the last two days on the phone with chase fixing things with my account they decided to close it. I have currently {$10000.00} in the account and called bot today and yesterday to let them know per the deposit agreement I signed when I opened the account there is nothing in that agreement that states I have to wait for them to mail me a check and told them twice now that I would go to the close branch to get the remainder of my funds in the accounts at time of closing. Both times I went to the branch they have told me they never recieved those instructions and said they would mail me a check. This is beyond crazy and I dont understand how they can hold my money when I have said twice know I will go to a branch to get the funds. This has cost me alot of time that I dont have to waste being on the phone and going into the branch just to be told no. The customer service people are flat out lying to me on the phone and not doing what they say they are and I dont understand how they can or are getting away with this. They need to give me my money now and not keep telling me something they arent doing. Do not use chase they have very poor customer service and basically will steal your money and keep you from getting it which is super illegal I feel. Chase by choosing not to give me my monery is basically stealing from me and there is no document I signed that states when they close my account that I cant go to the nearest branch to get the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, 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 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 2019-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Portfolio recovery you keep sending letters stating no response you can not finish investigation But you state to the CRA 's that you validated the alleged account strange omission to guilt right. making false statements on credit reports, { fraud } in fact it's stated on your letter head. you also refuse any legal documents to come forward to support your claim the reason this is being report to the CFPB is for evidence that there has been response to you every time by return fax .there 's nothing for you but dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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 sending multiple letters from XX/XX/XXXX to XX/XX/XXXX to the Credit Bureaus, requesting the verification and removal of the fraudulent information I found on my Credit Report. The Credit Bureaus seemed to not fully understand that I want the Fraudulent Items completely removed from my Credit File. I recognize the efforts made by the Credit Bureaus in removing some of the fraudulent items from my Credit but I see here that there are some items that should also be removed as they too are the results of such crime. Once again, I was a victim of Identity Theft and the accounts and items I am disputing were never mine neither authorized be me. I never received any benefits from the theft of my identity. Pursuant of FCRA section 605b, I am formally requesting that the Credit Bureaus include the following fraudulent items to be removed from my Credit report : XXXX, XXXXXXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
The lender sent me a service court document of repossession of the vehicle. Go to abandonment where I never abandoned vehicle, and I kept all payments up today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: NY
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:
Equifax, XXXX, and XXXX have been and are in constant violation of the United States Codes that cover " Accuracy and Fairness of Credit Reporting. '' For my current and open account XXXX XXXX Account, XXXX has violated my right to privacy, reporting my private information regarding my open accounts payments. This is not a closed account. Yet According to 15 U.S. Code 1681 it states " 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I do not consent in any way for my private status of my open and current account ( s ) under this account to be reported to XXXX, Equifax, or XXXX Credit Bureaus. According to this United States Code, my right to privacy has been and is continuously being violated, with reporting my late payments in my credit report, which have not only affected my ability to qualify for proper mortgage loans while serving in XXXX XXXX military status currently, but being able to properly qualifying for appropriate car loans, with a fair reporting credit score due to deficiencies reported like such. 

As for the XXXX XXXX XXXX account listed as a closed account on my Equifax Credit Report, XXXX Credit Report, and my Experian Credit Report, I am demanding that this account be removed from all credit bureaus including but not limited to Equifax, XXXX, and XXXX, as it violates my right to privacy posting late payments within this account, and also posts the account as a charge off. A charged off account, can not be considered a " late payment. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sending multiple letters from XX/XX/XXXX to XX/XX/XXXX to the Credit Bureaus, requesting the verification and removal of the fraudulent information I found on my Credit Report. The Credit Bureaus seemed to not fully understand that I want the Fraudulent Items completely removed from my Credit File. I recognize the efforts made by the Credit Bureaus in removing some of the fraudulent items from my Credit but I see here that there are some items that should also be removed as they too are the results of such crime. Once again, I was a victim of Identity Theft and the accounts and items I am disputing were never mine neither authorized be me. I never received any benefits from the theft of my identity. Pursuant of FCRA section 605b, I am formally requesting that the Credit Bureaus include the following fraudulent items to be removed from my Credit report : XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/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 2021-10-22
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I came to the ER with low belly pain on XX/XX/XXXX, but the pain had subsided by the time I saw a resident doctor. The only test I received was a blood test which came back normal after 3 hours of waiting. However, XXXX XXXX XXXX sent one hospital EV bill {$2500.00} to my insurance company XXXX XXXX and {$500.00} to me. I called XXXX regarding the bills and asked why upcoding my bill, I was told I do not need to pay the hospital EV bill. My insurance company rejected payment. XXXX sent {$1700.00} to a collector in XX/XX/XXXX. This EV bill is charged with {$2500.00}, but XXXX sent me three different bill statement with three different balance. The collector directly reported to credit bureau to drag me credit score down without contact me. Based on publicly available information for patients without health insurance from FAIR Health Consumer, a moderate-level XXXX visit, such as for a pain with fever is about {$400.00}. it appears XXXX XXXX is taking advantage of the fact that I do not have dispute ability and is blatantly abusing that power. 

XXXX ( University of California XXXX XXXX XXXX ) neither providing the review result nor making correction to my credit report. They continue to abuse their power to send the debit to PROGRESSIVE MGMT to draw my credit score down. They always make money with upcoding or services that dont exist at all. This is a very despicable act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: NY
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 explanation
Consumer complaint received 2021-10-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Starting XXXX my mortgage payment with Carrington increased to {$1100.00} based on my escrow. I immediately contacted the mortgage company and advised them that my mortgage should not had an increase because there was not an increase in my taxes or insurance. In fact, my insurance had a {$200.00} decrease. I then requested that a new escrow analysis be done. I was told that they needed information from my new insurance carrier, which was promptly provided to them. After learning today, XX/XX/XXXX, that a new escrow will not be done, I considered this unfair to me because now I am paying more money. Had the company run the analysis based on the information provided by the insurance carrier, we will not be here having this conversation. Therefore, I am requesting that company set my payment back to where it originally was when they accepted the loan from XXXX XXXX.

Company response to consumer: Closed with explanation