BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Wells Fargo pulled credit reports without my authorization

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 2023-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 XXXX 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 2024-01-31
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
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:
Opened a account with XXXX XXXX XXXX  via XXXX XXXX they issued XXXX credit limit in XXXX. By XXXX my credit limit had increased to XXXX, I never had a late payment and paid more than minimum payment each month. The bank started decreasing my credit line each month which made it appear that I was more than 30 % utilization rate. each month that I continued to pay they decreased my credit amount. I am know back down to XXXX and I was not given any real explanation for the decrease. However I can not use the card any longer because each payment that I make they bank keeps lowering my credit limit to match the owed debt. Bad business putting me at risk for not forming other relationships with substantial credit limits.

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 2024-01-31
Company: M&T BANK CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made extra payments as they stated to do to pay the principal balance and they refused to apply the extra payment towards the principal as they stated it would be. Spoke with XXXX XXXX refused to correct what was supposed to be applied to the principal balance. 
I was told by XXXX that the bank policy overrides any laws federal or state.

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 2023-12-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2024-01-31
Company: WELLS FARGO & COMPANY
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX claims Wells Fargo account ending XXXX was closed and balance in the amount of {$190.00} waved. Previously, XXXX XXXX XXXX advised Wellls Fargo would reach out in re, no one from Wells Fargo reached out, has not indicated balance waved. As stated prior, the account ending in XXXX was opened by Wells Fargo reps which I did not authorize, a debit card purchase in the amount {$290.00} was made from XXXX, purchase was never received, item was shipped via XXXX with a forged signature, signed as XXXX, in which case, I never sign my name like this. Wells Fargo accepts forged signature as true and correct, despite forgery. Two external funds transfers in amount of {$50.00} brought the balance to {$190.00}. XXXX XXXX XXXX claims Wells Fargo waved balance, however, I have no verification of such or refund of difference in amount of {$100.00}.

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 2024-01-30
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is to formally advise Transworld Systems , Inc. that I believe your company has violated my consumer rights in the following ways. Please keep in mind that this is my second notice including my certified letter, and I have had no correspondence back from your company. 

Specifically, you : - Failed to validate a debt at my request- FDCPA violation - Continued to report a disputed debt to the CRA- FCRA violation XXXX Continued to attempt to collect a disputed debt- FDCPA violation - Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt, but you also continue to report this debt to the credit bureaus causing damage to my character. The amount that is being reported to the credit bureaus is not the same balance that I have with the original creditor. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 and please provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Provide me of the amount of which the debt was purchased. Per the CFPB, I have this right as a consumer. 

-Contract bearing my personal signature -License proof to collect debts in my state As you certainly are aware, " Admission by Silence '' means that you had a legal duty to defend your position but failed to do so and if my claims were untrue, you would have been compelled to deny my charges. I will use the Admission by Silence in my defense should I be summoned to court or take action against you. 

I expect to receive proof requested above, within 15 days of this letter. Should you continue to ignore my request for this validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2024-01-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX I recieved a letter yesterday when I returned from my vacation, that said nothing? I feel I sent the wire, paid for the wire, and if there was a issue? They should have sent back? I was not aware that recepitent did not receive funds on time, and it has cost me a lot. I can upload the letter if you would like? Wells Fargo is a nightmare, and there apology is not making it. Do I have recourse by suing them?

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 2023-11-27
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My wife and I attempted to use the Chase Bank application to submit a payment from my XXXX XXXX savings account. Instead of just asking for the routing number and account number, Chase was asking for my login information, including password, to my XXXX accounts. Who in their right mind would provide a third party access to their accounts where this third party could have full ability to conduct any transactions they wanted? This seems very suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX on account ending XXXX XXXX XXXX  sent a letter to resolve the account and offered an opportunity to pay less than unpaid balance. They reported that it would be a savings of {$960.00}. And they offered to accept {$780.00} to reduce the account to XXXX  and stop further collection activities. So I called on XXXX at XXXX and talked to a XXXX # XXXX we made arrangements and I payed in full the amount and the account is payed in so I put a claim for my credit report to be cleaned and cleared and give my credit back from the ordeal. I recently checked Experian to see what was the resolution and noticed that I still that account that is settled a balance of {$960.00} the same amount that I was supposed to save, I really dont care but I need this fixed and I have documentation from XXXX XXXX  stated that this account is payed in full so there must be a glitch Experian system when check facts out! But I know what I payed and they asked for the payment to clear the account. Thank you for your time

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 2024-02-04
Company: FC HoldCo LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I didnt know hard inquiries works and I noticed that my credit keeps on going down and down so I asked a friend to help. We noticed that some companies repeated multiple times on my credit on auto loans that I didnt applied for and when I called them they said they couldnt help at all. Im a XXXX XXXX and Im Barely home. Some stuffs that I noticed on my credits are not from me at all

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 2024-01-30
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
On XX/XX/XXXX, I spoke with XXXX and she inquired about my situation and asked which option would I like to take care of the 3 months. I opt 'd for the 3 months to be placed at the end of the loan. XXXX stated she would send me the documentation and I needed to provide it within 30 days. It has been 2 weeks and I have not received any documentation. On XX/XX/XXXX - I contacted my lenders loss mitigation department and spoke to XXXX. She informed me that I would not be receiving such documentation until after the forbearance expired. I explained to her per section 9 of the agreement that would make me ineligible for any loss mitigation options if the agreement expires. Additionally - that would cause a negative reporting on my credit afterwards. The representative stated that is their process and when I advised that would mean they are breaching their own contract and jeopardized my credit. She stated I can attempt to request for it to corrected after the fact. I asked for a supervisor and she told me one was not available and to email them. I am concerned because the lender has numerous negative reviews on deceptive practices. I have adhered to and complied with the terms of the forbearance and the lender should as well. That includes them providing me with the required paperwork and processing it in a timely manner. Not waiting until after my agreement expires to then demand total balance due and effecting my credit report. I informed all representatives I spoke with this month that I WOULD BE resuming my payments on XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
XXXX to XXXX I got scammed out of XXXX XXXX dollar thur wire transfer from my bank Huntington Bank XXXX As soon as I realized that I was being scammed I went to the bank and reported a fraud. The bank said that they can't help me. So I hired XXXX XXXX to investigate on my case. It has been 8 months since XXXX XXXX took my case and still nothing resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30
Company: Westlake Services, LLC
State: IL
Product: Credit reporting 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 am writing this complaint to XXXX XXXX about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified.My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX XXXX My birthdate is XXXXThe FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-01-30
Company: CITIBANK, N.A.
State: IA
Product: Credit card
Sub-product: Store credit card
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 chgd on my Home Depot credit card so they would not close my account for inactivity, I never received the bill in the mail as that was the way my billing was set up. I received a late night message from XXXX XXXX telling me I had a late payment on this account. I immediatally paid the bill and called the company the next day. I found the email in my spam folder. They credited back my late fee and sent me a chk for the amount of the charge twice. I called the company and they assured me they would remove this from my credit report and it is still there. I value my credit score very much and would have never not paid a XXXX chg.

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 2024-02-01
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After entering the wrong password, my online account was locked out. I was told they would not do anything for 48 hours. This is unacceptable and punishes the customer. Especially when you are trying to move your bills from one bank to another.

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 2023-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting Act Capital One has violated my rights under 15 USC1681 section 602 states I have the right to privacy 15 USC 1681 Section 604a also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
During the pandemic I filed for unemployment with the state of Nevada, I was under the impression that I was denied, until I received a email from the state of Nevada about paying taxes on funds that were paid to me. I contacted the state of Nevada unemployment agency, who then advised me they paid Bank of America nearly {$40000.00}. I was then advised to contact Bank of America to retrieve my funds. When I contacted Bank of America and explained my situation. I was told that all of the money that was paid by my sponsor, had already been spent. I then started filing for unauthorized use and transactions for the whole amount. It has since been proven that my mail was rerouted from my address, where I was living at the time of my first initial file. I filed an identity theft affidavit with the IRS, multiple identity theft complaints with the FTC identity theft.gov. I filed police reports and more. As of today Bank of America has paid me {$9.00}, XXXX out of {$41000.00} stolen. They have given written proof that they were in the wrong and allowed someone to steal my money. Yet they continue to deny my claim for {$21.00}, XXXX on a general basis, which is completely illegal and done by a machine. I have refiled and complained numerous times and I'm getting nowhere. I have given Bank of America sufficient evidence and documentation, yet they still have not paid me.

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 2024-01-30
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX was told by myself that after losing my job due to COVID i could not continue to pay my cable/internet bill and asked them to send someone to come pick up their equipment as I was not able to drive to a drop off point nor was i willing to drive to a drop off point. They sent someone to install the equipment, they can send someone to pick the equipment up and that it would be in a box on my porch. Nobody ever came to pick the equipment up so I moved the box to my garage where it still sits. They then proceeded to charge me with failure to return equipment. I told them I wasn't paying for the equipment because I still had it and they never picked it up and that i would pay the balance of my bill at the time of disconnection and not a penny more. XXXX refused to pick up their equipment and then charged me for it and sent collections after me for the amount

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 2024-02-07
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
I requested an appraisal on my property in order to remove PMI, since property values in my area have greatly increased over the past XXXX years. A broker came out to my house and provided a brokers price opinion. His report had multiple incorrect items and the price he concluded could not be backed up by numerical values of other homes in the same neighborhood. His price was also XXXX less than my homes value for property taxes. The broker was not familiar with the area and shouldnt have been called out by the mortgage company. The mortgage company denied my request to remove PMI.

I appealed the decision and provided multiple examples of why the brokers price opinion was inaccurate. I also calculated the price per square feet of local comps in order to provide the mortgage company an estimate on my homes value. I received a phone call on XX/XX/year> at XXXX XXXX. The agent stated my appeal was received but the value of my home didnt change. I asked him how they supposedly calculated my homes value and he said he didnt know. He then said he would send me the report in order to answer my questions ; I never received the report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation