BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Problem is with Wells Fargo. 

My identity was stolen and four ATM withdrawls were made ( all withdrawls were made on Saturday, XX/XX/2021 in the following amounts {$200.00}, {$800.00}, {$700.00} and {$300.00} from two seperate locations ) Once I saw these transaction pending I called Wells Fargo and explanined these transactions were not made by me. The accounts affected were frozen immediately on Sun. XX/XX/2021. I called the next day to have both checking accounts closed, spoke with the Fraud Department to file a claim. 

By XX/XX/2021, Wells Fargo sent me two letters. My checking account that was pending an online transfer to my other checking account was resolved. Wells Fargo approved my claim for an fradualent onlinetransfer and I was not liable for that transaction and returned my funds to the appropriate new checking account set up.

Second letter denied my claim in regards to the four transaction of ATM withdrawals that took place was denied. It was indicated in the letter " Based on the information available to us, and because the transaction were made using your card and Personal Identification Number ( PIN ), we found it was made by you or someone who had your permission ''. 

First, my ATM Card never left me the entire time. Second as I explained in my initial claim, I was never in the area where the ATM Withdrawals happened. No one from Wells Fargo Claims Deparment contacted me in regards to thses claims. On Mon. XX/XX/2021 I spoke with someone in the claims department to see if they can open my claim. It was escalated to the Executive Team to reopen my claim. At this time I made two more calls to speak with the Claim Case Worker " XXXX '' and each time I was told he was not available to speak with me and a decidsion would be made in 10 business days. I requested XXXX to call me to discuss my claim to clarify that my ATM Card never left my possission, nor I approved any ATM Withdrawals. " XXXX '' finally call me back to indicate that the claim was closed yet again and either I made the withdrawals or someone else did. Again I explained the withdrawals were not made by me, my card never left my possession. Then I told him that someone must have duplicated my card, he stated that was impossible. So I asked him, how were these withdrawals made? In my 23 years with Wells Fargo, I never made any ATM withdrawls in those amounts and why were these not flagged as a security breach? Why should my ATM Fruad be treated any differently than my Online Fraud, which the Online Claims Department approved my claim and indicated as Fruad. At this point " XXXX '' indicated he could do no more and the case was closed.

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 2023-10-04
Company: EQUIFAX, INC.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: GA
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:
On XXXX I noticed I had a few negative accounts reporting to my consumer credit report that I did not recognize so I called XXXX, XXXX, and Equifax to have them removed. They all informed me that I needed to file a FTC report and mail it to them. I procrastinated for a few months and fast forward to XXXX I filed a FTC ID Theft reports for the accounts I did not recognize ; FTC Report Number XXXX. I called all Credit Reporting Agencies again after filing and they instructed me to mail the report to them, I emphasized that I did not feel comfortable mailing sensitive information especially with my information already being compromised yet they said nothing could be done over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: NC
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 requested Equifax, update the below accounts due to continuous inaccurate information listed on all. 

They continue to fail to fully investigate and opt to utilize prior data that is not up to date. Their failure to report inaccurate information is adversely impacted my credit score and my ability to obtain a mortgage approval. 

Please assist in getting these credit reporting agencies to report my data accurately. 


1 ) XXXX  XXXX Account # XXXX Balance- {$350.00} Available Credit {$2100.00} 2 ) XXXX XXXX XXXX XXXX-Account # XXXX, Principal Balance due {$14.00}, XXXX 3 ) XXXX XXXX XXXX -Account # XXXX, Balance {$0.00}, Available Credit {$850.00} 4 ) XXXX  XXXX XXXX -Account # XXXX, Balance {$27.00}, Available Credit {$820.00} 5 ) XXXX XXXX-Account # XXXX, Balance {$740.00}, Available Credit {$750.00} 6 ) XXXX  XXXX- Account # XXXX, Balance {$25.00}, Available Credit {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: R & B Corporation of Virginia
State: VA
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: Investigation took more than 30 days

Complaint:
I, XXXX XXXX XXXX, am the natural person, filing this complaint. On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I have not received a response yet. I am starting to believe that as a consumer, I am being taken advantage of and my disputes are being ignored. I never gave you authorization to add anything on there nor did I give any creditor authorization for you'll to add to my credit report and I want it removed now!! I WOULD LIKE TO SEE THE ORIGINAL APPLICATION NOT THE ORIGINAL CONTRACT, A FULL COMPLETE AUDIT TRAIL and if you CAN NOT PROVIDE ME WITH THIS, I WANT THOSE ACCOUNTS DELETED NOW!!! In Section 611 ( a ) it is plainly stated that a failure to investigate these items 30 days gives you a reason to immediately remove those items from my credit report it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I don't understand why the XXXX I have to keep going back and forth with you people because you keep doing some illegal and unlawful stuff to my accounts on my credit report. I, XXXX XXXX XXXX, the federal protected consumer have already sent in all of the identification needed for authorization but I will upload them again for CFPB purposes. My information was also impacted by the XXXX and XXXX data breach and may have got into the hands of the wrong person. When I spoke to XXXX on XX/XX/2021, The representative lied and said that my DL, XXXX and XXXX XXXX was NOT in my file and when I spoke to his supervisor, the supervisor said it WAS ON FILE. This is the stress I have to deal with because I'm afraid of my identity being stolen again! Plus, Under Regulation V, CRAs only need sufficient identifying information to match you to your credit profile : Name, Address, DOB. So I'm not giving you my ID, SSC, bank statement to utility bill again that can be stolen from your database again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I am a Victim of Identity Theft and explained that to XXXX, Equifax and XXXX, also provided them with evidence to prove that my identity has been compromised however they continue to report Fraudulent accounts on my credit file. which is against the FCRA 15 USC 1681. According to the GOVERNMENT the accounts that have been reported Fraudulent need to be removed and block immediately to correct my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This complaint is against Bank of America Most of the time, BOA employees are good and do their job well. 

This issue is about my business account ( Account name : XXXX XXXX XXXX ) On one occasion, I sent a check ( through BOA bill payment ) of {$860.00} to the wrong person. I sent it to XXXX instead of XXXX. I called small business customer service on XXXX XXXX ( 3 days before the person cashed the check ) and put " Stop Payment '' on check. I explained to them that this check is sent through " Bill Pay '' and gave the check number " XXXX '', but person XXXX fingered it and put XXXX. The check was cashed on XXXX XXXX. For some reason, that person also removed XXXX from Bill payment. 

Later when I called to see why I didn't get the credit and how check was cashed even after putting " stop payment '', " Bill payment '' told me that " small business '' shouldn't have put stop payment on the check as the check was sent through bill payment. And " stop payment '' by small business department doesn't work on checks sent through Bill payment. 

And now every department is just denying to correct this situation and not taking responsibility to correct your mistake. BOA representative from " small business '' shouldn't have put a stop payment on the check and should have sent me to the " bill pay '' department. So even though I called 3 days before person cashed the check, bank of america was wrong in their steps to put " stop payment '' So please help me get my money back. 

Another thing is : calling customer service phone numbers and getting somebody to talk to is very time consuming. You always have a high call volume and every time call is transferred to one department to another, you are again placed on hold. I am on call for the last 99 minutes and still no resolution. 

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 2021-08-27
Company: CITIBANK, N.A.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Hello, I am an Authorized User for this account. I have been paying faithfully while the primary can not. She is filing bankruptcy soon. She will include the card/ account that sears refuses to update ( refused : please request or see supporting evidence ). 
No late pays and good standing but I am not going to pay on this account by myself anymore as the Authorized User. 

Compounding the problem is the fact I can not get service for this account. Unfortunately XXXX representatives will not discuss one word of this account with me for address errors or ANYTHING. That is not drama its a fact. 

I have legal rights as an Authorized User to remove myself from this account. It is my responsibility. I do not have access or a card active. So I believe its clear. 

Please request the company SEARS have its bank remove me as an obligated borrower. The letter from SEARS to me after they denied my request says it all. 

" We are unable to update the credit report as requested. To remove authorized users from the credit reporting, the authorized user must be removed from the account. '' Please ask for a copy. Bad grammar is part of the letter not me. 

SEARS MASTERCARD Card No : XXXX Thanks profusely Respectfully XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Chase Auto told my husband that we didnt owe anything else when we asked them several times. We requested the buy out documents from chase to give them the credit union to process our car loan to buy our lease. The credit union failed to process the loan on time and didnt communicate with us. Chase claims they sent out a notice on XXXX XXXX to us but we never received it but Chase Auto loan is blaming me for that. Anyways, I just received two separate letters both dated on XX/XX/2021. One letter is stating basically that my account is passed due and the other one stating that if not taken care of within 10 days from when the letter is dated, my car will be repossessed. I paid it today because it was just communicated today through these two letters. My credit score dropped 136 points as a result to chases lack of communication. Chase always sends me a live bill and once they became aware that I was taking my loan business to the credit union, they suddenly decided not to send me a live bill for the first time in 3 years? Like they wanted to purposely watch me fail? They expected me to know to go online and check that I had a balance after they originally told me I wouldnt owe them anything anymore but owed the credit union from now on. But yet Im being held responsible even through I never got the first letter nor a live bill? I had perfect credit and so did my husband. But they ruined both. Why would we in our right minds decide to mess up our credit scores on purpose? It was all done without our knowledge. Why would we be perfect on making payments to chase throughout the whole lease and purposely want our credit score to go from 800 something to 600 something? The answer is we wouldnt. Please help. I have never been late making my auto payments and would have appreciated a expected a call from them out of respect since I have been a good customer. It was a lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Took out a vehicle loan with Santander USA in XXXX. Consistent issues with the company including a wrongful repossession while the primary account holder was on active military duty and was gone for training. Company reported the account to credit bureaus as charged off/bad debt, even though we were still making payments. Company finally provided a notarized letter stating the account was paid in full in XX/XX/XXXX, but has not reported that information to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. My information was obtained without my knowledge and was used for monetary gain. The following accounts are not mine.

CMRE FINANCIAL {$3500.00} account number- XXXX XXXX XXXX XXXX XXXX {$19000.00} account number-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filing this Complaint on behalf of my client, not myself. My client was denied a Trial Loan Modification on XX/XX/XXXX by his Mortgage Servicer, SPS. The reason given for the denial by the Servicer was that " in performing our underwriting of a potential Modification, we could not reduce the principal and interest payment or the payment reduction achieved did not meet the payment reduction required for the account. '' On XX/XX/XXXX, I submitted a timely Appeal of the Denial of the Trial Loan Modification. In this Appeal, I suggested that a payment reduction could in fact be achieved by extending the term to 40 years since there had been no term extension at the time of the prior Modification in XXXX. 

On XX/XX/XXXX, I received a response from SPS to my Appeal that reiterated what was stated in the XX/XX/XXXX letter that is quoted above in the first paragraph. There was no reference to my suggestion of extending the term to 40 years to achieve a payment reduction. 

On XX/XX/XXXX, I sent a Notice of Error or Qualified Written Request to SPS stating that there was an error by SPS in refusing to extend the term of the loan to 40 years because that would achieve a payment reduction. In addition, I suggested adding the current arrearages to the back of the loan but keeping the arrearages in a forbearance balance that was non-interest bearing which would also result in a payment reduction. I specifically requested that SPS respond to these suggestions in the Notice of Error/QWR because I believe that they had committed an error in denying my client a Mortgage Loan Modification with a term extension to 40 years and putting the arrearages in a non interest bearing balance on the back of the loan. These would have resulted in a payment reduction which SPS said could not be achieved. 

On XX/XX/XXXX, I received a response from SPS that did not acknowledge or address the Notice of Error/QWR and which did not contain any reference to my suggestions that the term could be extended to 40 years and the arrearages could be put in a non interest bearing balance on the back of the loan. Their response was that they had received similar disputes from me and that they had responded previously to these disputes. 

That is patently false. SPS has NEVER responded to any of my inquiries asking them specifically why the term of the loan could not be extended to 40 years and the arrearages put in a non-interest bearing balance on the back of the loan which would result in a reduction in the payment.

This Complaint is alleging a violation of Section 6 ( e ) ( 2 ) ( B ) of RESPA regarding the failure of SPS to respond to a Qualified Written Request and a violation of Regulation X Section 1024.35 regarding failure to respond to a Notice of Error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: Mr. Cooper Group 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: Account status incorrect

Complaint:
Nationstar DBA Mr. Cooper auto deducted my XX/XX/XXXX mortgage payment for XXXX on XX/XX/XXXX from my checking account 5 times in error. Then they reversed 4 of the payments. XXXX XXXX I was contacted by Nationstar DBA Mr. Cooper by phone asking if we wanted to proceed with a loan modification. I never requested a loan modification. The representative then told me my loan was delinquent. I had not received any correspondence from Nationstar DBA Mr. Cooper that my loan was delinquent. I have never missed a payment. I have always paid my mortgage by automatic deduction from my checking account. I immediately contacted Nationstar DBA Mr. Cooper and spoke with XXXX XXXX with Executive resolution. I learned that my loan was switched to paperless statements without my consent. I informed her that I never stopped the automatic deductions from my checking account. I provided her with copies of my bank statements for XXXX through XX/XX/XXXX. She opened an inquiry and discovered that Nationstar DBA Mr. Cooper stopped the automatic deductions in error without my consent. It was also discovered that they had not applied the XXXX payment to my account even though they collected it. Mr. Cooper issued a letter XX/XX/XXXX stating that they submitted and update to the credit reporting agencies with instructions to adjust their records and remove the negative credit information. Not only has that NOT been corrected with XXXX XXXX XXXX and XXXX but Nationstar DBA Mr. Cooper has stopped reporting my mortgage payments completely there is no payment information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has effected my credit in such a negative way that I am unable to obtain a mortgage on a new house. My husband and I had an excellent credit score prior to this outrageous error by Nationstar DBA Mr. Cooper. I have personally contacted all 4 Credit Reporting Agencies and learned that Nationstar has done nothing to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation