BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-01
Company: Genesis FS Card Services, Inc.
State: TX
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 XXXX  account, has violated my rights. 

15 USC 1681 Section 602 Staes I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage administrator, Loancare XXXX XXXX XXXX, XXXX  XXXX, VA XXXX appears to be operating on online process whereby they are limiting principal repayments to 20 % of the principal. I attempted to make a larger principal payment ( approx 50 % of a XXXX mortgage ) on Friday XX/XX/2021 and was prevented from completing the request online. 
I subsequently called Loancare ( XXXX XXXX on Monday, XX/XX/2021 and was put into a wait queue. I ended up leaving my phone number for callback but the call was not returned. Later that day I made two attempts to contact Loancare through their online systems, first by using their contact form, then by using their document request system. There has not been a reply via these messages so I called again today XX/XX/XXXX and spoke to a representative. The representative said they could not take a principal payment greater than 20 %. 
I explained that I was aware that my mortgage does not have a prepayment penalty and in my opinion by denying a principal payment greater than 20 % Loancare was effectively generating interest revenue on the principal that should have been paid off if they were not restricting payments. 
The representative put me on hold while she contacted their supervisor and came back to inform me that her supervisor could not take the payment as a whole, but would call me back and may be able to split the payment into two parts. I'm assuming this will go ahead, but overall I think that this company is operating a practice that tends to hinder principal payments and results in unfair revenue gain for them.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ) XXXX XXXX XXXX account number # XXXX has violated my rights. 
XXXX ) XXXX Account number # XXXX XXXX ) XXXX Account number # XXXX XXXX ) XXXX XXXX account number # XXXX XXXX ) XXXX  account number # XXXX XXXX ) XXXX account number # XXXX XXXX ) XXXX  Account # XXXX XXXX ) XXXX XXXX  account number # XXXX XXXX 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 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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-05-23
Company: Ocwen Financial Corporation
State: NY
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:
XX/XX/XXXX credit reporting shows account open. 
XX/XX/XXXX credit reporting shows account closed and states that a foreclosure action has begun, Which is incorrect, the foreclosure action what started XX/XX/XXXX. 
XX/XX/XXXX credit reporting states they count remains closed. 
XX/XX/XXXX credit reporting shows that the mortgage account had been removed from my credit report, even though the foreclosure action was still in litigation in court. 
I have requested from Ocwen loan servicing accounts relationship manager, XXXX XXXX, to investigate why the account was closed and removed from my credit report. At present a formal investigation has not begun and it XXXX XXXX insist that the account is still open and litigation remains in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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:
These inquiries were not authorize by me : XXXX Inquired on XX/XX/2023 XXXXXXXX XXXX Inquired on XX/XX/2023

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 2023-11-22
Company: MOHELA
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made a very large payment against this student loan. It has been 90 days and they ( Mohela ) has not reported it to the credit report agencies. I did disputes with the 3 major credit report agencies and provided documentation from the Mohela website which clearly shows a very large payment against my balance, but Mohela will not confirm and the 3 major credit reports close out the dispute without any changes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Fay Servicing, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Gentleman, Wells Fargo filed a Wrongful Foreclosure action against me on XX/XX/XXXX. I am attaching the Pooling and Servicing Agreement where it makes it abundantly clear on page XXXX of the prospectus that the Trustee ( Wells Fargo ) " MAY NOT '' be able to enforce the mortgage note against the related borrower. 

I am also attaching the Appellate Court Ruling finding Wells Fargo failed in establishing that it is a proper party to enforce the promissory note at issue. 

Wells Fargo had no legal right or authority to pursue this wrongful foreclosure action against me and I am asking the CFPB hold Wells Fargo responsible for filing this wrongful foreclosure action against me as evidenced in the attached pooling and servicing agreement in which it must adhere to. 

I am asking the CFPB hold Wells Fargo responsible for this wrongful foreclosure action and to include me in the XX/XX/XXXX consent judgement for wrongfully pursuing a foreclosure action against me since XX/XX/XXXX. The Pooling and Servicing Agreement is evidenciary evidence substantiating that Wells Fargo is unquestionably responsible for pursuing this wrongful foreclosure action against me. 

I appreciate your assistance in this matter. 

Respectively, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: TD BANK US HOLDING COMPANY
State: CA
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:
This creditor has violated my rights under 15 U.S.C 1681 Section 602 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. 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ) XXXX XXXX XXXX account number # XXXX has violated my rights. 
XXXX ) XXXX  Account number # XXXX XXXX ) XXXX Account number # XXXX XXXX ) XXXX XXXX account number # XXXX XXXX ) XXXX account number # XXXX XXXX ) XXXX account number # XXXX XXXX ) XXXX Account # XXXX XXXX ) XXXX XXXX  account number # XXXX XXXX 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 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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: AL
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:
XX/XX/2021 XXXX  Experian XXXX  has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything

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 2023-02-17
Company: EQUIFAX, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Chase has reported a collection which does not belong to me and they have re-aged the debt on credit reports to make it appear more recent. Chase has asserted the debt to me telephonically and have informed me that lawyers are in the process of filing a lawsuit, even though the statute of limitations has passed. XXXX have asserted telephonically that the statute of limitations is 7 years and they can sue me for as long as they want. They have asserted telephonically that they can double the size of the debt when they choose to sue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Wells Fargo Bank. I am a checking account holder in XXXX, where XXXX has NO locations. XXXX was hacked a few months ago and notified me that my account was among those compromised in this data breach. As a result, XXXX encouraged the opening of a new checking account, which I did. They also provided me free credit checking services for a period of time. Since that time, XXXX has been witholding $ $ from my monthly interest payments, indicating that they do not have a properly filed XXXX on file. I phoned XXXX and they sent a XXXX form, which I filed and returned. They have indicated that this form was not completed to their satisfaction and they have continued the witholding. I have called repeatedly and received email communication advising me to go to a branch location to complete another XXXX. I have advised that XXXX has NO locations in my state and offered to send in a newly completed form if someone/anyone could advise where this should be sent. EVERY time I call, I am routed to another person, put on hold for upwards of an hour and advised to wait for further instruction. This is madness -- -and in my view, a violation of the XXXX  XXXX XXXX XXXX XXXX. XXXX had a breach, and they are now imposing a hardship on a customer as a result. Indeed, XXXX XXXX customer representative advised that I just drop the issue and deal with the withholdings at tax time. This can not be the law -- -Following my prior complaint, a XXXX XXXX sent me forms and closed my complaint. I have submitted the form twice now and nothing has changed. This bank is incompetent. Please help!

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 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 2023-01-10
Company: Client Services, Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Couldn't find a suitable selection for this one as I have no idea who these people are. So I picked whatever just to get this going. I've been getting calls from a XXXX area code based out of MO for some time. I also get them from a XXXX area code in the same state. This harassment has been going on for weeks if not months especially for the XXXX area code. No idea if the 2 are associated. I've blocked all of the numbers they call from. Today I got sick of it! I picked up the phone and before I could hang it up I heard a prerecorded voice say that it had something to do with XXXX XXXX I didn't listen to the rest I just hung it up. I called the number back and this guy named XXXX XXXX XXXX. I asked who they were, he kept giving me the name of the company as if that means something to me. It doesn't! He refused to tell me who this company was, why they continued to call my number like the numerous scammers that keep harassing people. He just kept assuming if he told me the name of the company that some how I'd know who they were! I still don't! Then he suggested I look them up, I did after I got him off the phone and still don't know who they are. He refused to tell me who they were trying to reach but kept trying to get me to give up personal info to him as if I'm that stupid! He's the stupid one! He was polite and professional but I wasn't. I don't appreciate anyone interrupting me with stupid nonsensical calls that don't tell you who they are, who they're looking for or why they're calling. I lit him up verbally and hung up. I have no business dealings with them and they're not in my contact list. I'm sick of scammer calls and will not tolerate any from so called legit businesses. I no longer care why they were calling it better not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: NY
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:
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission.

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 2021-07-29
Company: Absolute Resolutions Corp.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is incorrect. Absolute Resolutions filed a lawsuit against me in XXXX, and subsequently filed a motion to dismiss the lawsuit in XX/XX/XXXX because they do not have the evidence to prove this debt is correct. See attached dismissal. 

Further, I disputed this debt directly with Absolute Resolutions as well as the Credit Bureaus in XX/XX/XXXX. On XX/XX/XXXX Absolute Resolutions sent me the attached letter stating they were instructing the Credit Bureau 's to delete this account from my credit report. They have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: WELLS FARGO & COMPANY
State: ND
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX/XXXX/2017 overdraft and bank would n't send info to 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 2023-11-14
Company: Experian Information Solutions Inc.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review

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 2023-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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 convenience check

Complaint:
On XX/XX/XXXX I received an email from Bank of America saying I had activated the Direct Deposit feature on my credit card, not knowing what it was about I called Bank of America on the XX/XX/XXXX and told them I had not activated anything. The woman I spoke to said she would flag the account and watch for any suspicious activity. 
On XX/XX/XXXX my card was charged {$9200.00} plus {$360.00} transaction fee for a direct deposit going to XXXX XXXX to cover overdraft charges on my XXXX XXXX  account. 
On XX/XX/XXXX I called Bank of America and filed a fraud claim and they reversed the charges. 
On XX/XX/XXXX I received a message from Bank of America that they had denied the claim and had charged me again for the {$9200.00} but not the transaction fee. 
On XX/XX/XXXX l called them again to complain and was told they would send me all the information they had on the claim. As of today Ive not received that information. 
On XX/XX/XXXX I called their Fraud Department again and was told that the routing number for XXXX XXXX was XXXX and the account number ended in XXXX. I have never had any dealings on any kind with XXXX XXXX, so I called XXXX and was told there was no account in my name. I was thinking maybe someone had stolen my identity and opened an account in my name, this appears not to be the case. 
I have tried everything I know how to convince Bank of America I dont owe this {$9200.00} charge but so far it has been to no avail, hopefully you can help. 
The Fraud Claim number is XXXX. I can scan my credit card statements and send them to you if you need them. Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief