BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
this account was opened fraudulently without my knowledge. I have filed an identity theft report with the FTC because I never benefited from any of the transactions from this account. This account needs to be closed to prevent further use of my information and identity theft.

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 2023-01-17
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/23 It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Failure to comply with the deletion demand if you are unable to provide XXXX XXXX COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the State of YOUR STATE. Additionally, if you fail to comply with my deletion demand I am prepared to and will sue your company for the maximum civil, criminal and punitive damages available by law.

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 2023-12-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I am a first time homebuyer and bought the home in XXXX. My mortgage was sold to the current lender, Citizens and after the 12 months my insurance lapsed. I was not notified, no calls, no texts, no emails - I get billings about paying my monthly mortgage payment every month, meaning my email works just fine for them to make sure they get their money. 
Citizens did not inform me that after buying my mortgage last year in XXXX that they did NOT have the insurance information and couldn't renew it. Both Citizens and the insurance company admitted that this happens often to first time buyers. Citizens reps on the phone stated they see this all the time, yet, they don't have anything in place for this. I lost my insurance due to this lapse and now my payments went up about {$100.00} a year because of this. I never received any formal communication when Citizens bought my loan that this may happen and no notice that they couldn't contact my insurance company. They then went on to forcibly purchase me insurance at {$1000.00} when my original cost was around {$700.00} per year - currently {$800.00} because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Colony Brands, Inc.
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: Investigation took more than 30 days

Complaint:
I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress I feel helpless because the credit bureaus are not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all the evidence attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions. I have been trying many times to get results on my disputes. I have asked many times for contract, proof and that I signed some agreement which I have not. This has been going on long enough. I never signed a contract with the collection agency. After the investigation they never sent me proof that it was validated. They keep validating before anything can be investigated. And when it has been deleted, they reinstate the collection without even a 15-day notice. They keep violating all the laws and my civil rights to discriminate. It seems like all they can do is just to put somebody down with false information to make more money for the subprime market. And also, I think they discriminate because my zip code. I sent an affidavit explaining how they keep violating my rights and I wish this to be corrected with the deletion of all those false and fraudulent collection accounts and or charge-offs. The signed affidavit that I sent to credit bureau to explain how they keep violating my rights. Also, I sent what they sent me after what I sent them. After their investigation which was not completed properly or investigated properly, no proof of contract or signature was ever provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
All credit agencies have absolutely XXXX reason to help or fix an individuals credit report. Why would they care? They are looking for fraud, scams, and Companies to help. They lower your score is as an individual the higher rate you pay a creditor. They are all the same. Working together to insure job security! They are all a XXXX joke. I call it like I see it. Its ALL a SCAM!! The CFPB are the same. They do nothing but forward and send emails. Should you really think any agency cares if a date, amount, inquiry is wrong on our little insignificant report. XXXX No!

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 2022-11-18
Company: Self Financial Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have seen my credit score drop a lot due to XXXX XXXX XXXX I have no knowledge of this account being opened nor do I have a credit card that they claim that I should have. No one from this company has personally reach out to me via email or phone. I've been told to file a complaint/report and save it as a XXXX  to get this problem fixed within the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized, accounts that I do not recognize and incorrect personal information.

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 2023-12-16
Company: Experian Information Solutions Inc.
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of XXXX accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the following items immediately!!

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 2023-12-16
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have previously submitted a complaint regarding AidVantage not submitting my refund request to the Department of Education for refund of payments made during the COVID-19 emergency. AidVantage responded that they submitted my request to the Department of Treasury and that payment would be received in 4-6 weeks after processing. That was in XX/XX/. To date, I have not received my refund payment. I have tried to follow up with AidVantage via email but have not received a response. My student loan balance increased due to the refund but I have not received that refund payment. I am unsure if the payment comes from AidVantage or the Department but am not receiving information to pursue through the correct channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has allowed XXXX and XXXX XXXX report the same account without my consent. Easy pay and XXXX did not notify me or send a letter as per Fair Credit Reporting Act so I could dispute debt before being reported to the credit bureaus this alone is one violation, the second violation Transunion allowed company to report the same account twice without my consent and third it has caused tremendous damage to my credit report. Also Transunion stated the account was closed but I did not agree or sign any agreement with Easy pay finance or XXXX allowing them ti report or share anything with any credit bureau. I will be reaching out to my attorney not only has XXXX XXXX XXXX  and XXXX violated the laws Transunion did as well. I Per law this account does not meet the Fait Credit Reporting Act qualification to even show on my credit report. Each company will be slapped with three ( 3 ) individual lawsuits for this

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 2023-08-21
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My deceased mother owned a house with Wells Fargo as the mortgage holder. As trustee, I sold the home and closed in early XXXXXXXX XXXX XXXX. The funds were wired to the Trust account and I was informed by the title company that there may be an additional escrow refund and that they would be sent through the title company to me to pass through the Trust for distribution. 

On XX/XX/XXXX, I received an escrow refund at my new, out of state mailing address. The check was made out incorrectly. After speaking with Wells Fargo XXXX XXXX, I was advised to try to cash the check but the amount was too large and the banks I visited would not cash it. 

I followed up with Wells Fargo and was directed to send a copy of the check and request a reissue to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I sent the email on XX/XX/2023. 

On XX/XX/2023, I received an extension letter asking for more time to respond. I immediately called and was told a case worker hadnt even been assigned. 

A few days later, I received a call in response to my " complaint ''. They needed to verify my address over the phone, although they had already mailed out several documents to my new address. The following week I received a check for the escrow refund made out to the trust.

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 2023-12-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This consumer reporting agency is continuing to furnish inaccurate information on my credit report regarding the balance of my XXXX student loan account. The entire balance of my XXXX student loan account has been discharged and forgiven by XXXX, yet this consumer reporting agency continues to disclose a false balance.

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 2023-07-26
Company: EQUIFAX, INC.
State: TN
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: MI
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:
Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent.

1692b ( 2 ) - states a consumer owes any debt. If the debt has been reported this is a violation of 1692b ( 2 ) as someone is stating the consumer owes a debt within a publication.

1692c ( a ) - needs prior consent from either the court or the consumer before communication with the collection of any debt.

1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This can be used in many ways. And in my opinion I give one very limiting example for credit reporting 1692e ( 8 ) - Communicating with any person false credit information including failure to communicate the debt is being disputed Aka false and misleading reporting.

1692g ( b ) - If you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop.

1681 ( a ) ( 4 ) - Consumers right to privacy 1681a ( 2 ) ( A ) ( iii ) - The consumer must be given a chance to direct the information whether they want the information about a transaction they had to be reported or not. This is referenced in the Gramm Leach Bliley Act 1681a ( 2 ) ( B ) - if a transaction was authorized by your social security card, the real credit card first defined understand the Truth in Lending Act, this transaction must be excluded from your consumer report.

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 2023-12-16
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed XX/XX/2020 Ive been given the runaround for years on getting my money back. Ive sent info to verify and my account was never reopened nor did I receive funds that were in the account when it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have Bank of America XXXX XXXX XXXX  - ending in XXXX. Today I wanted to close the account. Chat option is not working. Tried calling XXXX - all the bot which even hearing my breathe is thinking that i am making an option. Long wait to talk to a real human being.

Secured message center, one way communication. Only Bank of America can send the messages not 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 non-monetary relief
Consumer complaint received 2022-11-18
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
THIS IS MY FINAL ATTEMPT TO SETTLE THIS WITH WELLS FARGO VIA CFPB. 

Regarding complaint # XXXX on XX/XX/2022 & Regarding complaint # XXXX on XX/XX/2022. 

I submitted an affidavit which I will re-attach and showed proof of my consumer rights being violated in the transaction, XXXX XXXX  from WELLS FARGO responds back with a contract was signed which was on my 1st exhibit. We are all aware agreement was signed. HOWEVER That does not give WELLS FARGO, OR XXXX  XXXX, XXXX ANY REASON TO DISOBEY THE LAW & VIOLATE MY CONSUMER RGIHTS I'VE STILL HAVE NOT GOTTEN ANY RESPONSE regarding : EXHIBIT XXXX : XXXX swears that WELLS FARGO XXXX XXXX XXXX XXXX XXXX are Violation of 12 CFR 1026.4 & 15 USC Section 1605 ( DETERMINATION OF FINANCE CHARGE MY FINANCE CHARGE WAS SUPPOSE TO BE THE SUM OF ALL CHARGES WHICH WAS NOT THE CASE. ( fees, service fees, loan fees, insurance premiums was suppose to apart of my finance charge and it was not ) EXHIBIT 7 - why I NEVER FULLY my material account opening disclosure in accordance to 15 USC 1602v & which is a violation EXHIBIT 9 : XXXX swears that WELLS FARGO XXXX XXXX XXXX XXXX XXXX are in Violation of REG V & FCRA - Fair Credit Reporting Actin reference to exhibit 5 - I was never offered the choose to opt out of sharing or reporting of my private information as the consumer as the right to privacy EXHIBIT 10 : XXXX swears that WELLS FARGO XXXX XXXX XXXX XXXX XXXX are in Violation of - XXXX5 U.S. Code 1662 - Advertising of down payments and installments. {$5000.00} of a downpayment was taken as XXXX XXXX of XXXX XXXX Wells Fargo said they needed skin in the game which is a violation EXHBIT 13 : XXXX  will be exercising their rights according to REG Z, & 1026.23 Right to Recession & Title 15 U.S. Code 1635 ( a ) & Title 15 U.S. Code 1635 ( f ) NONE OF THESE WERE ADDRESSED BECAUSE IT WAS ALL VIOLATED BY XXXX  XXXX XXXX XXXX  XXXX XXXX WELLS FARGO ALSO I AS THE CONSUMER HAVE THE RIGHT TO RESCIND A TRANSACTION BEING WELLS FARGO VIOLATED MY CONSUMER RIGHTS UNDER REGULATION Z, 1026.23 Right to Recession & 15 U.SC 1635, IVE NEVER WAIVED MY RIGHT TO RESCIND NOR WERE 2 COPIES OF MY RIGHT TO RESCIND EVER SENT TO ME. 

I'VE RE ATTACHED MY INVOICE FOR WELLS FARGO TO PAY FOR VIOLATING MY CONSUMER RIGHTS WELLS FARGO NEEDS TO RESPOND AND PAY INVOICE ACCORDINGLY

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 2022-02-24
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I was contacted via mail by CMRE Financial Services , INC about an alleged debt. I a natural person am being falsely accused to have owed an alleged debt in the amount of {$200.00} to CMRE. I do not have a contract with this corporation nor did I give any consent to them obtaining my information. As a federally protected consumer, I have the right to privacy pursuant to 15 USC 1681A ( 4 ). I contested with this corporation asking for validation of this alleged debt and have not gotten any response. Why would I pay a debt I do not owe? This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT..

Company response to consumer: Closed with explanation