BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-27
Company: WELLS FARGO & COMPANY
State: FL
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:
Despite two written requests, Wells Fargo Bank unverified item remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent re-investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). This is a request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed. Specifically Naming " Wells Fargo Bank '' as an entity entitled to enforce a commercial claim against me. This debt is considered to be invalid until I receive proper validation and your office provide proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines.

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 2023-11-25
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Fay Servicing is falsifying escrow statements to try to collect fees and default interest from customers. They falsify dates and amounts of disbursement in order to create escrow shortages that dont actually exist in order to demand extra payments. For example, on my recent escrow statement, they put down that they sent out XXXX  to the county for property taxes in XXXX XXXX XXXX. In reality, the amount was XXXX and paid on XX/XX/. The escrow analysis was done in XXXX XXXX XXXX  and claimed that they had already disbursed payment, even though they had not and would not for another month. They also falsely claimed that they made a Home Insurance payment on XXXX, even though the insurance company didnt send them the bill until XXXX By playing with dates and amounts, they create huge escrow shortages, {$12000.00} in my case, and try to collect this money. If you are unable to pay this quickly, as was in my case, they then try to collect fees and default interest which is not actually written into your mortgage. My autodraft date was XX/XX/XXXX, and I put a stop-payment on the draft because the amount, which went from XXXX to XXXX, looked like an error. I called them multiple times that week to resolve the escrow shortfallwhich later I found to be based on false numbers and dates. On XX/XX/XXXX, I received a phone call from XXXX XXXX trying to collect {$9300.00}. He was trying to collect default interest repeatedly demanded I pay two payments, and default interest for 40 days, ( he had the wrong due date, I was 32 days behind ) and repeatedly refused the XXXX mortgage payment, which I offered to pay in full. Ultimately, it turned out I did not owe any default interest, according to my HUD statement. I have been locked out of my account, they have {$4000.00} of my money that is sitting unapplied and they refuse to respond to my requests for payment history or escrow analysis to be corrected. I have to jump through hoops, such as sending them electronic money orders through 3rd parties, to make my monthly payments, which they then keep unapplied until I pay them the full amount based on false escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: DISCOVER BANK
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Numbers : XXXX has called 5 times XX/XX/XXXX XXXX has called 4 times XX/XX/XXXX in the last XXXX hours both are discover loans ( I have voicemails having them identify who they are ) XXXX called 11 more times from XX/XX/XXXX to XX/XX/XXXX I contacted them back in XXXX to not contact me while they were harassing me on a call. they laid off till early XXXX late XXXX, but have contacted me everyday since. I have severe social anxiety as well as being on the phone, so I am physically incapable due to emotional/mental blocking me. 

They contact me at least 3 times of day, ive told them not to contact me early morning or clarified that they wake me up with these calls. they still call at XXXX XXXX directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX XXXX was bought out by XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXXXXXX XXXX did not take on the credit cards associated with XXXX XXXX XXXX, had been a customer for since XX/XX/XXXX, never late with a payment ever. We were told that we could no longer stop at the bank to make our payments, this is where the fraud started if you contact XXXX it is credit card services, located in XXXX Texas, under the name of XXXX XXXX XXXX that no longer exists, they will tell you after you keep pressing the option after making the call double XXXX, 2 times you are transferred over, I had mailed check payments to an unknown address only a XXXX XXXX XXXX and they were returned, this bank has traumatized numerous customers especially myself and they need to be investigated asap.

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 2023-03-14
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 belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: CarMax, Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This letter serves as a formal complaint for improper use of my report that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments are inaccurate. 

I also respectfully request to be provided proof of this alleged item. By the provisions of the consumer protection laws, I demand that if unable to provide lacking proof of these payments being late, please update payment history to PAANL status ( Paid as agreed never late ). 

It is my understanding that you must validate these items with the reporting creditor for accuracy, Please remove any information that the creditor can not verify. I know this must be complete within 30 days of receipt of this letter. 

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-11-16
Company: Chime Financial Inc
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
On XX/XX/XXXX I went to XXXX XXXX XXXX in XXXX, Pa. I attempted to purchase XXXX  XXXX gift cards at {$500.00} each. The cashier range up the 2cards without any issues. The cashier attempted to scan the third card and it would say approved on my side and she said it was saying declined on her side. She scanned the card 3 times and each time it took {$500.00} out of my account for a total of {$1500.00}. I asked the cashier to get the manager and he assured me that the charges would come off of my card in the next few days. I called the credit card company to explain the situation they set up a dispute but immediately closed the dispute stating nothing was wrong. I sent them copies of the receipts of the two cards I purchased and the 3 receipts that were scanned against the third card that the cashier said was declined 3 times. I have attempted several calls to this company with no resolve. I want my {$1500.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A Bank of America employee XXXX XXXX on multiple occasions accessed my personal information to search state websites for unclaimed money owed to me, then admitted she had done so. She also used my incarcerated brothers identity to open multiple credit accounts and accrue over {$13000.00} in debt fraudulently. I contacted Bank of America with this information and offered to show them proof of all of these things such as his credit report, showing everything is going to her address and communications between her and I where I asked her about it he fraudulent accounts and she admits to it and offers to send me the cards and doesnt. The bank declined to accept the information and stated they could not do anything about it. XXXX XXXX is actively stealing identity from vulnerable people who have no access to stop her using her position at Bank of America to assist her commit crimes and they dont care.

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 2022-11-16
Company: Experian Information Solutions 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:
On more than one occasion including XX/XX/XXXX I reached out to XXXX XXXX  XXXX and invoked my right to privacy and opted out of them sharing any of my personal information regarding the account with them to any third party, financial institutions, including the credit bureaus. They have failed to comply over and over again. My lawyer has tried to reach their legal offices through certified letter sent out XX/XX/XXXX and through their customer service center XX/XX/XXXX and XX/XX/XXXX to try and reach their legal unit to no avail have not received any responses. I then receive a notice for additional payment that also states they are not held to Fair Debt Collection Practices Act but theyre a financial institution. They are a scam of a company and the CFPB needs to take them down. The Credit bureaus also need to be penalized because its no way they completed a proper investigation when their legal team can not be reached and customer service just gives the runaround. I am tired of being taken advantage of.

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 2023-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX continously sends me, XXXX XXXX, a fraudulent account debt owed. It states its by Capital One Bank for the amount of {$360.00}. I, XXXX XXXX, have made disputes for this previously and they are now attempted to collect this fraudulent account once again. The account is stated to be under XXXX ' and I would please like to get this removed, as I am and have always been unaware of this accounts origin and have been disputing for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, 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 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 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 2022-11-16
Company: WELLS FARGO & COMPANY
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 I did a mobile deposit in the amount of XXXX this was an expense check sent to me from the company I work for. On XX/XX/2022 someone else produced the same check in the amount of XXXX and mobile deposited it into a XXXXXXXX XXXX with someone else 's name and address on the check. Both Wells Fargo and XXXX allowed an already negotiated check to be cashed. My company has a positive pay system in place so this doesn't happen. So I'm not sure how it was ever approved to be cashed.Furthermore this fraudulent check never hit their account. Instead Wells Fargo deducted the amount out of my account. I have filed four claims on this and each claim has been closed. I even received a copy of the check with someone else 's information on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: CAINE & WEINER COMPANY, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023 I paid XXXX XXXX for XXXX insurance through cane and Wiener they have promised me for days upon and to email me a payment full letter and still have not completed it I've reached out to several several different people the last one speaking to a XXXX XXXX who redirected me to another website to see if I can go ahead and get the information for myself to no Avail since the accounts been paid to full I can't pull them up. They promised on the 1st day I did this I would receive the email and it now has been 4 business days. All they keep doing is giving me the run around they've already submitted the payments to XXXX as they show a XXXX balance. They keep lying to me and misdirected me I need to have these letters to show XXXX for it's very important. This is not the way business should be conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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:
I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need this account corrected at once : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have previously had account with XXXX since XXXX always paid my bill never had any issues. I have received a bill for over XXXX stating I owe this amount these purchases was made in XXXX I haven't made a purchase since XXXX. I called the company explaining to them the charges wasn't mine I never made them, I don't know who did them. I don't have any of the merchandise they claimed I purchased. I have had my identity stolen before and it has been reported. The company has sent this debt to collections and its damaging my credit, I have disputed this debt with the credit bureaus directly and nothing is getting done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: Experian Information Solutions 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:
Since XXXX of 2021, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, Experian, XXXX and XXXX on XXXX/XXXX/2021 and XXXX/XXXX/2021 but nothing has been done. please help me with this matter.

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 2019-01-03
Company: EQUIFAX, INC.
State: VA
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:
For the past couple of years have attempted to get XXXX XXXX deleted from my credit report. XXXX has been reporting 120 days late on my credit report since it was transferred to XXXX from XXXX. 

It states on my credit report from XXXX that this item is to be removed by XX/XX/XXXX. ( A copy of this report is attached ). This item was removed from Equifax on XX/XX/XXXX, Account No XXXX and immediately put back on in XXXX I can not locate my XXXX report for XXXX but the removal date was the same. XXXX showed that negative reporting began in XXXX to be removed in XXXX of last month. 

This mortgage was paid and there is nothing due and owing. On another note since I began reporting this XXXX  has deleted all my favorable credit and left me with just XXXX. My XXXX XXXX that I purchased in XXXX no longer shows and a few more that were updated in XXXX and were paid in full The XXXX showing never late was very helpful for potential creditor to view me favorably. 

Please look into this because XXXX and CAs refuse to assist me

Company response to consumer: Closed with explanation