BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-29
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXXXXXX XXXX  branch/ security loan- calls me every XXXX weeks and leaves a voicemail for YEARS. This is NOT my debt and they are trying to collect from XXXX XXXX who is my sister in law. I do not talk to her and have never had a relationship or friendship with her even though she is my husbands sister. She put me down as a reference probably knowing she wasnt going to pay them. I have requested multiple times for them to remove me because I do not talk to her. Im not sure how old this debt is but they used my maiden name and I have been married for 10 years now. Its frustrating because my husband and I are very responsible and have great credit ( XXXX both of us ). We do not do these payday little loans and I should not be harassed by this company when this debt has nothing to do with me or my husband. I have talked to someone at the XXXX XXXX branch, XXXX and XXXX also corporate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX and Experian are continuing to report past due payments that are too old to be reported. The continue to past due payments for student loans that are older than 7 years. Per the Fair credit report act, Remove negative information seven years after the date of first delinquency. This is not being done. XXXX and Experian are continuing to report past due payments for several close XXXX XXXX accounts that are older than seven years. I have disputed this multiple times yet XXXX and Experian continue to report out of date past due payment history.

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 2021-12-29
Company: WESTERN UNION COMPANY, THE
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XXXX, I made a money transfer using western union for the amount of {$120.00} and a tax of {$2.00} for the transaction. This transaction was made to be delivered into the receiver bank account in XXXX ( XXXX XXXX XXXX ). The receiver 's name is XXXX XXXX XXXX. Western Union told me that the money will be paid into the receiver 's bank account by XXXX. On XXXX, the money was not still available in the receiver 's bank account as promised by western union. I called western union on XXXX, they gave a case number ( XXXX ) and asked me to wait for 24-48 hours that the money will be available. Up to this point, anytime I called any of western union 's phone numbers ( XXXX, XXXX ), they keep dropping my calls. The money was met to be used to pay rent in XXXX and the receiver is about to lose their home. Please, I need an urgent solution to resolve this problem caused by the western union. 
Also, the tracking number ( XXXX ) is XXXX gave to me by western union.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i was sent to National Credit Systems collections for XXXX $ for 60 days of rent. even though i only failed to notify my ex-landlord XXXX XXXX 20 days before my leave. another thing those XXXX XXXX never returned me my deposit back and never explained to me why they didnt. i tryed to explain them that i was a victim of XXXX XXXXXXXX and a single mother and as soon as i found something i rushed to move out. especially for 5 months i paid them more. also i tryed to work for failing to notify them only 15 days because i did so 5 days ahead. their agreement also was saying they would keep the deposit OR one month rent. they kept both. people from collections dont return my calls, never showed me anything proving i have to pay for 60 days. because of them im not able to rent apartment and my name is spotted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan, which is being serviced by Specialized Loan Servicing, was charged a fee of {$25.00} on XX/XX/2019. When I called to learn the cause of the charge, the representative told me that I was charged for requesting a payoff statement. While I did order a payoff statement online, there was no disclosure that the request for a payoff statement would result in a fee. This practice of charging a fee without properly disclosing is clearly an unfair and deceptive practice. 

Additionally, when I spoke with the representative on XX/XX/2019, she indicated that should could not log a complaint over the telephone, but rather, I must send a letter. She indicated that she would log a dissatisfaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XXXX for XXXX for {$240000.00}. It appraised for {$240000.00}. 
On XXXX I made a principal payment of {$1200.00} that dropped my principal to {$180000.00}, which is less than 78 % LTV and according to my original loan officer and the homeowners protection act of 1998 my PMI should automatically drop. I messaged Freedom Mortgage on XXXX and XX/XX/XXXX explaining that I was less than 78 % LTV and asking them to confirm my PMI would drop. I had multiple conversations on the phone with people, they would say my LTV was fine and another department would have to fix it, then I would get a message that my LTV is above 80 % and I need a BPO. Or they would say my LTV is fine, but XXXX XXXX is still requiring a BPO. My original mortgage officer was on this call and was emphatic that that is not the law and it should drop at 78 %. They could never tell me what their math was. So I waited for my XXXX statement to post thinking maybe the department that calculates it is behind on payment information. On XXXX I made a monthly payment, which was factored into my next statement. My current principal balance is {$180000.00}. I messaged Freedom on XXXX with my math and again asking them to confirm my PMI would drop and I wouldnt be charged it anymore. They responded today that my LTV is above 80 % and I need a BPO.

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 2021-12-29
Company: EQUIFAX, INC.
State: TX
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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Citi has " reviewed '' their internal actions and surprisingly came to the conclusion that they have no wrong-doing. They have reduced my credit limit for no reason, refused to process automatic payments with the intent of forcing the account to have late payments, charge fees as a result of their actions, refused to credit payments, and increased the rate to the penalty rate after 1 late payment ( again the results of their system ). 

They have been flippant and dismissive in their responses, and have been punitive in actions as a retaliation to leveraging complaints to the CFPB in order to force action. Their staff is rude and lacks all skills necessary for proper service. 

This is the single worst bank I have ever worked with, I am appalled that you allow them to continue to treat customers like this. 

Additionally, the response I received from my last complaint, listed a closure reason that I was not their customer. Their direct correspondence to me clearly shows that they were in-fact able to locate me. I find it disgusting that they would lie to governing body such as the CFPB in order to cover up their own wrong-doing.

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 2021-12-29
Company: Franklin Collection Service, Inc.
State: NV
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:
Account Number XXXX FRANKLIN COLLECTION SERVICE INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2021 Original Amount {$630.00} Original Creditor XXXX XXXX XXXX XXXX XXXX  I have never had an XXXX XXXX account. This does not belong to me. I have been with XXXX XXXX for my phone since it started. And before that I had been with XXXX XXXX. 
I credit has been in the XXXX for years. All of a sudden I get this on my report and now my rating in in the XXXX XXXX. I told them this does not belong to me. 
I also had an incorrect address listed on my XXXX report and asked to be corrected as I had never lived at the address they listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was a victim of fraud. Using the service XXXX, i sent someone who was supposed to sell me an item {$300.00}, as requested on XX/XX/2018. I told Wells Fargo about the scam and they refused to do anything about it. Even though it was their service.

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 2020-11-23
Company: WELLS FARGO & COMPANY
State: PA
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:
A late payment is reported on my credit report. WFDS had my wrong address, I wasn't receiving any mail-in statements or bills. Online website was changed and I was unable to see any payment requests.

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 2023-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America garnished my paycheck from my bank account without a court order or judgment. They claim I owe them money for my boat loan, but they have not shown me anything that states I still owe them. My loan should have been paid off in XXXX last year. However, I offered to make payments last year to settle this so that it would not affect my credit, but they told me I could not do that ; I could only pay it in full. But the lady I spoke to yesterday said she was sorry because whoever told me that told me wrong, and I could have made payments. The Texas government website states : " However, Texas does allow for a bank account to be frozen. Once your wages are deposited into your bank account, the funds can be frozen and possibly seized. In order to do this, a debt collector must have won the lawsuit and had an order issued by the court. This can be confusing because the order is called a " writ of garnishment '' but it still can not be used to take incoming wages. '' There was never a lawsuit! Bank of America has stolen money out of my account leaving me {$0.00} to live on. Bank of America told me that my paycheck that they took is nonrefundable, even though I never authorized this transaction and it was done without my knowledge. 

In the attachment, you will see my paycheck listed as a deposit for {$1700.00}, and then immediately Bank of America took {$1700.00}, listed as a DEBIT FOR CHARGED OFF ACCOUNT FDES, leaving me {$7.00} from my paycheck. 

I have also attached an article from your website showing that they have illegally garnished other people 's bank accounts titled, " CFPB Orders Bank of America to Pay {$10.00} XXXX Penalty for Illegal Garnishments. ''

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: EQUIFAX, INC.
State: MN
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second complaint due to the fact that I've yet to get a response to my first complaint and it's yet to be resolved in a timely manner! Please see items attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. CAPITAL ONE XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE XXXX  were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: MRS BPO, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a text on my personal cell phone on thursday, XX/XX/2019, saying word for word : " Please contact MRS Assoc. regarding a XXXX matter at ( XXXX ) XXXX. This is an attempt to collect a debt and any information obtained will be used for that purpose. MRS is a debt collector. Further details have been mailed or emailed. Please review your email inbox, junk, or spam folder. Prefer to chat? Visit us at www.mrsbpo.com and chat with a representative. '' I received calls from MRS on XX/XX/2019 at ( XXXX ) XXXX and on XX/XX/2019 at XXXX ( XXXX ) XXXX. I will not pick up or respond to these calls or texts. My XXXX  account was closed on XX/XX/2019, which is only possible to do when the balance is {$0.00}. 

I have moved from the address the account was linked to ( remember, the account is now closed - and had no balance left when I closed it ) and have received no mail or e-mail regarding the supposed " debt '', which makes the attempted collection illegal. They are giving me no details of the debt and I will not respond to their texts or phone calls. MRS Assoc. should be fined and put out of commission. They need to stop harassing me for debt I do not owe and this should NOT show up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect a debt from 13 years ago.These is acrooked company trying to make me contact them to revalidate the debt. They are calling me on the phone and sending me letters like the one attached below. This has to stop because it is illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I bank with chime bank and they wont give me my money when someone has hacked my account and charges were from XXXX XXXX, Texas. They are saying its not fraud at all. 

I got an email saying at XXXX that my ATM pin was changed. I was at here is proof with my time card. Then at XXXX I got a text saying my card was enrolled in XXXX XXXX. If wasnt me and told me to call you guys! Which I did immediately. At XXXX I got email saying we notice a new login into your account. On the same day XX/XX/XXXX I got a call at XXXX and XXXX and XXXX didnt answer the call. Then at XXXX I got a text message from the same number asking about a XXXX XXXX for {$320.00} and I replied to no and told me to change my password to XXXX. I dont understand why my getting denied on these transactions when we can clear see this was a charge from XXXX XXXX Texas for XXXX XXXX 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Unauthorized and unknown charge appeared on my statement for the amount {$1800.00} as of XX/XX/XXXX. Merchant completely unknown to me - " XXXX XXXX XXXX XXXX ''. 
Raised dispute for the charge with Santander immediately upon receiving statement on XX/XX/XXXX, case XXXX. Santander denied it with nothing but " inconsistencies in the documentation that was submitted '' in response, no evidence. Contacted bank again, stated that card could be cloned, requested evidence of proof of purchase and merchant details and contact. Cases XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. Received identical evidence free responses. Contacted the bank through branch representative on XX/XX/XXXX, requested specifically 2 pieces of evidence : proof of me authorizing purchase, detailed information on the merchant with contact details besides the name, which can not be traced to anything. Bank failed to provide either. 
Bank claims that my card could not be cloned. I stated that my card was handled by vendors and sure could be cloned while out of my view among other things. But fact is I did not authorize the transaction and am not familiar with the merchant at all. 
Attached is all of the written correspondence I received regarding the transaction dispute cases I described above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
We had two American Express credit cards. We noticed charges on both cards that were not ours. We contacted Amex to inquire/discuss. During our telephone call with Amex we were told that our replacement credit cards had been mailed, did we receive them. Problem-we did NOT request new credit cards NOR did we ever receive new credit cards. The Amex rep provided an address where these credit cards were sent-it was NOT our address. It became clear, very clear, that someone fraudulently obtained these credit cards in our names and used them to make purchases. 
We continuously tried to explain and work with American Express regarding these fraudulent purchases. We were initially told we were NOT responsible for the charges-based on the fact that they sent these credit cards to these thieves, not us. We again made it clear that we NEVER requested, wanted, used these replacement credit cards! 
We acknowledged that SOME charges may be ours and that absolutely we would be responsible for these charges. We asked for detailed Billings from the inception of the credit cards to the current date. We only received partial information. 
To date we have NEVER received a complete report of charges. Now American Express is trying to take us to court to pay for charges that were made fraudulently!! This has been and is extremely upsetting and frightening! Our credit has been severely damaged. We feel that we have no rights, no protection against American Express. 

Thank You, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation