BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: WELLS FARGO & COMPANY
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter XX/XX/XXXX from Wells Fargo Home Mortgage stating that my account was impacted due to a system outage along with a check for {$70.00}. 
On XX/XX/XXXX I called Wells Fargo & spoke with XXXX, an escalation supervisor. I recall this was the time my mortgage was listed on my credit report twice and requested more details about the mishandling/modification of my mortgage account without my permission. 
XXXX explained that there was a system outage and my escrow interest was not appropriately calculated or added to my account for an unknown period of time. My escrow interest was accurately calculated, my escrow account amount was inaccurate and my mortgage payments were accurately calculated based off of this. 
I explained I received an escrow analysis statement on XX/XX/XXXX that showed a shortage of {$410.00} & my loan payment was subsequently inaccurately calculated because of this XX/XX/XXXX error. 
Today I understand that I am a victim of Wells Fargo predatory modification & mishandling of my mortgage since XX/XX/XXXX. 
For the past 4 years my monthly mortgage payment was miscalculated due to this error. 
I am requesting the appropriate measures be taken to properly calculate what the actual escrow shortage would've been in XXXX and what my actual mortgage amount should've been. I am requesting a detailed report with the modification calculation for every month starting in XXXX XXXX XXXX. I am requesting the full calculated credit be backdated including all miscalculated interest & fees. I would like this directly applied to my mortgage account for every month of miscalculated interest to my mortgage. I would also like to be compensated for the error of two mortgages listed on my credit 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 2023-12-02
Company: Experian Information Solutions Inc.
State: TX
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:
The following account should be removed from my credit report immediately due to Unauthorized/Erroneous Account RESULT OF The XXXX XXXX XXXX which is a Direct Violation of the FCRA. XXXX and XXXX have since removed this account so why are you still reporting this account as accurate? Please see my attached credit report and XXXX breach claim id and remove the following account from my credit report XXXXXXXX XXXX XXXX XXXXXXXX

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 2023-02-16
Company: EQUIFAX, INC.
State: CT
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 Fair Credit Reporting act XXXX  Account # 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: NV
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:
When I investigated my credit report, I realized that some of the information was erroneous. The Experian is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$260000.00}.

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 explanation
Consumer complaint received 2018-08-29
Company: National Credit Adjusters, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collection account with National Credit Adjusters for a account with XXXX XXXX. The amount owed was {$4000.00}. XXXX XXXX contacted me and said that they now owned the account so I settled the account with them. The account has been settled paid in full. NCA will not stop calling me even after disputing the account as paid. They are telling me that I still owe them on the account. I have a paid in full letter from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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'm beyond stress and frustrated with the bureaus not responding in a timely manner as instructed by the Fair Credit Reporting Act. I mailed a letter back on XX/XX/2020 and its almost 50 days and I have yet to hear anything from XXXX, XXXX, or Transunion. I feel this lack of abiding to the law has gone way beyond my stress level. I'm at a point where I may need to file legal violations at this point. I should not have to wait another day for these companies to respond. As a CONSUMER you are here so I thought to protect me well I need you to step in and help with this matter.. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I have attached all documents so they can't say this is not me ( 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 2023-01-06
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. My name was found on the dark web. Someone or something destroyed my credit with accounts and inquiries.

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 2022-04-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Accounts on my credit report are reporting inaccurately. I have sent in letters to the XXXX, XXXX, & Equifax to dispute, and it just seems like they are not doing their job correctly. Some accounts are reporting 30 days late multiple times. When it was only late once. Accounts that have been paid and agreed to be removed have not been removed from the credit report. I have requested that balances be updated and they still have not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Northstar Location Services, LLC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My mother has credit card debt and is in the process of filing bankruptcy. 

Northstar Location Services has called me repeatedly using the number XXXX. I have repeatedly told them to cease contact and they continue to call me. A record of their calls to my number XX/XX/XXXX - 1 call XX/XX/XXXX - 1 call XX/XX/XXXX - 1 call There is at least one other instance, however I have cleared my phone prior. 

These are the calls I am personally receiving. My mother receives multiple calls on a daily basis and is afraid of the company calling her work number. A coworker of hers has received calls from the same company at their work number. 

The company has progressed to not only calling myself, but also my brother ( who did not know nor needed to know our mother is filing bankruptcy ) and has also called his father. For the record, his father is our mother 's ex husband and they have not had contact in nearly a decade. Thus, he is not family. 

These calls have become harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My complain involves XXXX banks, XXXXXXXX XXXX  and Bank of America. 1. Bank of America checking account was open over 13 years. 2. XXXX checking account was open on XX/XX/XXXX. XXXX XXXX was closed on mid XX/XX/XXXX and was reopened on XXXX XX/XX/XXXX. On XX/XX/XXXX I tried to do an external inbound money transfer of {$3000.00} using XXXX online facility. The money was to come from my Bank of America checking account to my XXXX checking account. After transfer was initiated the money was withdrawn from Bank of America checking account but was never deposited into my XXXXXXXX XXXX. The reference number is XXXX. I see a message at XXXX that Looks like were not able to complete this transaction. Please contact your external bank for more information. I called Bank of America and informed the issue. They created a claim based on my complain. As part of the complain, on XX/XX/XXXX, Bank of America initiated an unauthorized money transfer and withdrew {$3000.00} from my XXXX XXXX checking account and deposited in my Bank of America checking account and closed my claim. But I still have {$3000.00} withdrawn from Bank of America checking on XX/XX/XXXX, that I never received at my XXXX. When I call Bank of America customer service, they say that your claim is resolved and we deposited {$3000.00} back to checking account. When I call XXXX customer service, they say your transaction on XX/XX/XXXX is cancelled and money was returned back to Bank of America. ( I think the reason money didnt get deposited in XXXX was because the account was closed and it just reopened on XX/XX/XXXX ). The money that deducted on XXXX was from my exiting funds with XXXX checking account. I still have not received my money of {$3000.00}, that was deducted from Bank of America on XX/XX/XXXX into my XXXX account. Attached is XXXX details from Bank of America XXXX 2. transaction details from XXXX and 3 XXXX Screenshot of failed external transaction transfer from XXXX. I am frustrated calling both banks. Both banks tell me to call the other Bank. Please help in getting my money back that was withdrawn from Bank of America but never came to my XXXX account. 

A similar CFB complaint was also lodged for XXXX with reference number 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 monetary relief
Consumer complaint received 2020-03-25
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made several attempts to resolve this issue. I am not sure if National Credit Audit Co is a legitimate debt collections company. They have the same rude person XXXX, asking the phone. I called again on XXXX XXXX around XXXX XXXX  to discuss this possible debt. I informed her, if a settlement was available, and I want a notice from the debt collection agency.XXXX placed me on hold, and then disconnected the call on purpose. She refused to send any information, regarding the debt. First I do not agree with the debt. Second, this place seems like a scam. Why are there only 2 people working, the same. I am asking to investigate this company further, to confirm. Then I want a copy of the notice, t mailed to my address provided on the complaint form. If this place is not a scam, settle the account with someone other then rude XXXX. its unacceptable for XXXX, to be rude and unprofessional and lie about disconnecting the call. I did a screen snap, to show she placed me on hold as evidence if needed. Resolve my issue and remove from my credit report. 

* XXXX claims I disconnected the call, which is a lie. If that is the case, why did she not call back. I immediately called back and left a message. Clearly XXXX is not telling the truth

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: ALLY FINANCIAL INC.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened up my Ally Bank account this morning ( XX/XX/2022 ) at approximately XXXX am PST. My personal checking account was {$730.00} in negative, and my shared account whim I share with my partner was {$690.00} in negative, after calling Ally and speaking with a representative they told us there is a known issue where customers accounts are being double charged and they have no XXXX on when it would be fixed and there is no way for them to reconcile it. This is unacceptable, my banking institution should be trusted with my money. Its a wide spread issue and even after waiting on hold for XXXX they could not help me. So now Im stuck with very little gas and absolutely no money to do anything today, like get to work, drop off my dog at doggy daycare etc.

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 2022-04-11
Company: EQUIFAX, INC.
State: PA
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:
I did not authorize '' Equifax, '' nor did I consent to following inquiries being furnished on my consumer report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Was depositing my cash In the amount of {$320.00} at the atm in XXXX atm. the the atm short down and took my money. I call and informed the bank about what happened. they said they were going to investigate. they later credited me {$60.00}. they said the day that took my information said that I said I deposited 3 {$20.00} dollar bills. I called then again to have it fix but they did nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2023 I opened a Truist XXXX checking account and Money Market Account at the XXXX XXXX XXXX Truist Bank located in XXXX XXXX, XXXX My husband and I received a promotional offer postcard which we brought with us to open the account. It stated that if you met all the qualifications we would be given a bonus of {$300.00}. If you had two direct deposits into the checking account per month and had a balance of {$10000.00} or more at the end of 90 days in your Money Market account Truist would evaluate the account and award you the monies due you. At the end of 120 days I began to question whether or not the deposit would be made. I tried several times at the branch without any success so out of frustration I called the XXXX # on the website. Again without any resolution so I emailed XXXX XXXX, the CEO of Truist and then received a call from an executive assistant stating that the time limit on this promotional offer was 30 days and that I did not meet that deadline. All the qualifications were met within 74 days which was well within the time limit of 90 days. I do not have the mailed card so I can not prove that it was 90 - 120 days but all the other advertisements still being promoted states 90 days to satisfy the qualification. I don't believe that Truist Bank is telling the honest truth and is trying to get out of paying the bonus as promised. I have attached two other offers along with a message from someone that had the same thing happen to her.

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 2023-12-02
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
there are 2 hard inquires in my XXXX credit report were NOT from me. One is from XXXX XXXX  XXXX inquired on XX/XX/2023. The 2nd one is from CitiRetail ServicesXXXX XXXX XXXX XXXX ), I need these two hard inquires to be removed from my credit report and also I want to make sure the two places ( XXXX card and XXXX  card XXXX do not issue the store cards out in my name. Someone must have stolen my personal information and trying to open store cards to do shopping!

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 2022-08-12
Company: EQUIFAX, 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:
The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$7300.00} XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXBankruptcy XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The problem is with CRA TransUnion For a long time, they were not updating a credit card I use primarily ( XXXX XXXX card ). I complained that they should update, so instead they just wiped out the reporting of the card altogether. 

I got tired of them not reporting my use/payment history of this primarily used card, so I went to their dispute center to tell them to put the card back on my record and properly update it, and I never got past one part of the reporting process. It just provided no form to enter the request. I thought it might be browser-dependent, so I tried going through the form process using another browser and I got stuck at the same point : no page showing a form to advance to the next step. 

I don't think this is a technical problem. I think this is intentional. Perhaps it's because I used the process before and they believe I should not use it a 2nd time. 

There is a new regime in the government now, one not favorable to the consumer and entirely favorable to those entities that run a business or make obscene profits. I suppose I am writing to an entity that will even discard this complaint into the bit bucket.

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