BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act 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. 


In accordance with the Fair Credit Reporting act 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.

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 2023-10-28
Company: EdFinancial Services
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit is being messed up again afyer fixing it the last tiem and having loans taken off that were over XXXX XXXX XXXX and I have been XXXX for XXXX XXXX and haven't taken out any loans or been to school during this tiem. I had been forgiven due to XXXX and even the first round of relief I was forgiven as well. Now this new company edfinancial is harassing me and kot helping at all and made up amounts dates etc and refused to send me any information or even tell me how to log in and dispute anything. I've emailed multiple times and give information and proof and done everything asked of me and jow today on a XXXX I get email saying it's back on my transunion repot and only XXXX XXXX XXXX ... ..how is this possible? Even XXXX ago there was a pause on everyone 's XXXX to due to covid so how can I be responsible for any of this or the illegal intrestthey added during this time and never show em anything or speak to meor send me paperwork or proof when I ask for it. I am a XXXX single mother and I have XXXX as well so I don't deserve this run around and off XXXX on again with no answers this company is horrendous and mistreat everyone lies and ruins lives. I want help asap with this and for them to pay for their actions again myself and many others in the same boat. How is this legal? Another company can not without notifying you buy up debt and come after you yet here I am again 2 years later still figing when I wS forgiven

Company response to consumer: Untimely response
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I wish to practice my right as a customer of Wells Fargo to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with WELLS FARGO. 
In order to clear up the myriad of letters and correspondences I have hitherto sent to WELLS FARGO respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case and analyzing the relevant facts in an objective and comprehensive fashion. 
It is crucial to note that I have been manipulated, socially engineered, and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. 
My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of WELLS FARGO to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. 
During the complaints process with WELLS FARGO, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients.

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 2023-09-01
Company: Flatonia Investments, LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
I received an email stating I had important details for Envoy Mortgage. I called the loan originator who I worked for last year as it was sent under his name. He does not work for the company anymore. Someone is acting on behalf of me trying to purchase a mortgage of {$610000.00} in XXXX XXXX. The mortgage company is not picking up at their headquarters. I did not approve of this. My social security number and birth date was stolen in an IT breach where I work at XXXX XXXX XXXX. I believe this is related.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EdFinancial Services
State: OK
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 am trying to reach them to discuss my loans because the balance doesnt make sense. I also submitted a three month forbearance. I have called, requested call backs, waited on hold for hours, sent them messages, chat bots, etc, no return messages at all. I have never spoke to someone and idk what to do about my loan payment. I have worked on my credit score for 6 years and now I might end up with a late payment because they wont respond to me

Company response to consumer: Untimely response
Consumer complaint received 2023-06-26
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was called by a wells fargo impersonator on the customer service line XXXX that had claimed that there was fraudulent activity on my debit card. They had impersonated how Wells Fargo handles fraud cases in an extremely convincing manner, stating the exact time and location that the " fraudulent activity '' was occurring, in XXXX florida at a XXXX. The impersonator asked if they can shut down that card and send me a new one, they had sent me a convincing link from XXXX XXXX XXXX to XXXX XXXX XXXX... I thought this was a bit suspicious and called out to the impersonator that I didnt feel comfortable. They had reassured me that they had called from the customer service line, and had read by my information to me ( name, email, mailing address, and even social security number ). I had takenthis as a sign that they were who they said they were and logged in, unknowingly giving the impersonators access to my online banking information. The impersonator then gave me case numbers for the " fraudulent attempts '' at charges on my debit card, and even a mailing tracking number for my new debit card that was to be sent to me.I didnt know it at the time but they had on the phone been able to access a wire transfer of XXXX out of my account, just like that. They then had access to my mother ( co-owner of my account ) and had run the exact same fraud on her, granting them access to send another wire transfer of XXXX out of my account. I just lost my job and was affected by layoffs. Wells fargo is not doing ANYTHING to support me. Please help me, I can not believe this is happening and it feels as though my entire world is about to explode, being down 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 2021-05-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper has lied to us for 4 months. My last call in XXXX they assured me they would NOT pay the supplemental taxes. I sent a check for the taxes and the next day they sent a check for the same taxes. Then they set up our supplemental taxes ( one time payment XXXX to be escrowed and paid again in XXXX. I had to call and have them delete the future tax payments that were incorrect on our account. Long story short we have been overpaid {$910.00} at XXXX XXXX of XXXX since XXXX and Mr Cooper has lied to us every time we call, they have NEVER responded in writing to one of several inquiries, they now have inflated our mortgage payment again due to the error they made for money already paid. I am XXXX on Social Security and they refuse to take any responsibility for the errors they make. Most representatives are only concerned when you call about another refinance and never follow through or call back. I asked for office of the president last week and after 45 minutes they never called back again. I just spoke to them again, they have now transferred our loan which has escrow overpaid and they have inflated our payment. I even sent a check to them for {$740.00} to make up the difference of the overpayment. They lied to us for 2 months saying the money would be refunded to our account in 8 weeks or less and now XXXX XXXX is saying 90 days. We shouldn't have to deal with so many problems or never get a call back EVER from a mortgage company handling a half XXXX dollar loan. Not one reply to anything or follow up ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: MoneyLion Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I borrowed a loan in the amount of {$1700.00} from Money Lion Phone XXXX on XX/XX/XXXX. The payments were {$410.00} a month and I thought a portion of that would go towards the principal. I was wrong because after making a few payments, I logged into the Money Lion account and saw that the {$410.00} was interest only. I filed a prior complaint about this in XX/XX/XXXX with CFPB. On XX/XX/XXXX Money Lion emailed me another payment plan which was scheduled to start on XX/XX/XXXX, biweekly for {$86.00} with a final payment on XX/XX/XXXX. 

I missed a few payments due to the previous payments made towards this loan, and that caused me to be late paying other bills rent, utilities etc. I received a letter in XX/XX/XXXX stating that I would be taken to court if I did not follow the new payment schedule for a balance of XXXX. Granted, this is a loan that I know has to be repaid but the interest rate is ridiculous. The new contact that Ive spoken with is XXXX at XXXX ext. XXXX. It is as if nothing I paid was applied to the loan. As of XX/XX/XXXX I have paid this lender the following. 
XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX Total {$1700.00} Even with a missed payment what is the actual amount owed?

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 2021-12-24
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Delete these erroneous items from my credit report as soon as possible. 

*Please remover all non- account holding inquiries over 30 days old. 
Please add a Promotional Suppression to my credit file. 
Please remove all accounts that are not XXXX XXXX  Compliance Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXXXXXX or any means of automated verification. 

Failure to respond satisfactorily within 30days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act 4 ) Financial Injury Thank you for your time, P.s. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforce Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints

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 2021-12-06
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I tried to connect my credit card XXXX to XXXX, but it did not work out. 
So I contacted the Customer Service twice, eventually they added my XXXX number to my contacts, but it turned out I would have to wait for 30 days until my XXXX would start working. 
I consider 30 days is not reasonable delay for the service to start working as other credit cards start it 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 non-monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 XXXXXXXX XXXX has violated my rights. 
I have already disputed these items but the bureaus did not remove nor validate them.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I deposited a Check at Chase, it was a Security deposit being returned to me. The check was made out to myself, my husband and my uncle as he was our co-signer. We all signed it. I was told the funds would be available XX/XX/XXXX. I went to an ATM on the XXXX and was informed there was a hold on my account because of the check. I have called and talked with Chase representatives 9 times since then. They have verified the issuer of the check, myself and my uncle. However, they say they can not verify my husband even though they did call him and confirmed his identity when I called on the XXXX at XXXXXXXX XXXX. Now they are saying their system can not verify his phone number and there is no way to confirm his identity except for a phone number their system can verify. They have frozen my account and say they will close it in 10 days and keep the money for 2 years before giving it to the state. I offered for my husband and I to go in person to a Chase bank and verify his identity in person but they said that is not an option. My husband has his own account with Chase and his phone number is connected to that account. I do not understand how they can not verify it and I do not understand how they can only accept a phone number, that they say is valid, and offer no alternative ways to verify him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I canceled my account in early XXXX because I saw the annual fee had posted and didn't use the card. I received a statement on XX/XX/XXXX with a balance of {$96.00} - the annual fee plus interest. I haven't used the card in months and canceled right after the fee posted. BOA said they would send me a check, but I'm unsure what the amount of the check will be or when I'll even receive it. I also have to spend my own money out of pocket since the statement is due on XX/XX/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 2017-05-14
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I changed the Account/DDA to withdraw funds and contribute towards my IRA. I informed the Huntington  XXXX   XXXX  of the new account number and routing number, this was completed on  XXXX   XXXX    XXXX   by faxing an updated form to them. I informed them the amount will stay the same, the only thing changing is the account. On  XXXX   XXXX ,  XXXX  Huntington withdrew the money from an old account and claimed since they were not informed of the amount they did not update the withdraw information. On  XXXX   XXXX ,   XXXX   I sent over the same form to have the account updated. I spoke with my personal banker and was informed this is now set up correctly.   Huntington sent me a letter stating they were unable to transfer funds, however this is due to their error of not withdrawing from the correct account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
During Covid, around XX/XX/2020, I was sent an email from XXXX saying that I was able to extend possession of an internet router until it was feasible to send back. Without warning, I was sent a bill for the entire balance of the router. In XXXX of 2020, I returned the router to the store. There was no other outstanding balance in the account. I heard no more from XXXX, and was told by an employee that the bill would be discharged. I have since been sent mail from a debt collectors agency trying to get me to pay for the router that I returned. 

I have attached the emails from XXXX, as well as the letter I was sent from the debt collectors. Please advise as to what I can do in this situation.

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 2022-12-30
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please delete these late payments from my consumer report and update this account as soon as possible Account Name- XXXX XXXXXXXX Account Number - XXXX Late Payment - XX/XX/2017 - Late Payment

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 2023-04-01
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

Company response to consumer: Closed with explanation