BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
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 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. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX : # XXXXXXXX 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 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 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 2016-05-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Long story short when I refinanced after the first year to lower my interest rate Wells Fargo never bothered to check the current property taxes. 
The property taxes literally tripled but when Wells Fargo took over the loan they used a year old settlement statement instead of making sure the impound was sufficient to pay the taxes. Even after Wells Fargo paid a supplemental tax bill that was substantial nearly a year ago they never did a Escrow Analysis until XXXX 2016. Which means the impound account went over for nearly a year before they did a new Escrow Analysis. Now Wells Fargo demands that I pay them XXXX sum odd dollars before XXXX XXXX, 2016 or my mortgage payment go from XXXX a month to XXXX a month for a year to pay back the XXXX and the new amount needed to pay the increased property taxes. I like most have my taxes impounded so I do n't get in to this exact situation. So now I 'm having to beg Wells Fargo to modify the loan so I do n't starve to death or loose my home. I 'm XXXX years old and was laid off after 7 years employment due to oil prices. I have a new job but the pay is substantially lower am I 'm devastated at Wells Fargo course of action. I am having to beg them to modify the loan and being treated like I 'm in default! All my payments have been on time so why is this happening when I did every thing I was obligated to do according to the loan docs?

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 2023-01-19
Company: GOLDMAN SACHS BANK USA
State: MN
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:
PLEASE MAKE THIS COMPLAINT PUBLIC On XX/XX/22 a charge of {$2000.00} was taken from my account On XX/XX/22 a charge of {$2000.00} was taken from my account On XX/XX/22 another charge of {$2000.00} was taken from my account Several unsuccessful attempts had been made. I had no choice but to file complaints with the CFPB. 

After the complaint was filed I get the refund the unknown charges back in my account On XX/XX/22 a refund of {$2000.00} was made to my account On XX/XX/22 a refund of {$2000.00} was made to my account. This refund is for the illegal double charge. 

As of this filing, I dont know what the charge of {$2000.00} was for. XXXX I request explanation for this charge?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
American Express sent me an invite to sign up for a business checking account with a sign up bonus of XXXX XXXX  Reward Points sometime before XX/XX/2022. I started to fill out the application but I never hit the submit button and just closed my browser and decided against it. On XX/XX/2022, I saw the sign up bonus went up by XXXX to XXXX points. I went into the American Express web site and click on a link with the XXXXXXXX XXXX sign up bonus, I filled out everything and met all the requirements for the bonus. However, American Express only credited me with XXXXXXXX XXXX bonus points. They claimed that I started the application with a link that only qualified for XXXX XXXX points even I never submitted that application. And they refuse to credit me with the missing XXXX points even I submitted the application under a link I clicked on their web site that clearly stated the bonus was for XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This past year I noticed a " XXXX unpaid principal balance of XXXX '' on my monthly statement. This XXXX unpaid principal just showed with no explanation. My mortgage is with Wells Fargo Home Mortgage and it is too high for my income. My monthly payment including escrow of XXXX is {$2700.00}. My mortgage payments are adjusted each year as a result of a modification from XXXX. In XXXX of XXXX my total payment increased from {$2400.00} to {$2700.00}. Last year, just before the increase I inquired about having my interest lowered, it is currently XXXX %, I was immediatly told " no ''. I began making my payments late and the harrassing telephone calls from Wells Fargo employees began. They called at XXXX, XXXX, and night on the same day even though I spoke to someone and let them know when I would make the payment. I retired in XXXX of XXXX. I XXXX, from XXXX until XXXX, XXXX did not get a raise from XXXX until XXXX. My income tax statements reveal the decline in income. I spent most of my savings on dental bills between XXXX and XXXX. I love my home and living in XXXX but I am moving to the XXXX XXXX where my family is located and the cost of living is lower than it is here in XXXX XXXX. Each XXXX the interest increased, my total current payment including {$290.00} escrow ( for ins & tax ). Currently my interest rate is 5 % until XXXX XXXX, XXXX, it will go as high as 7 %. The " XXXX Principal Balance '' is currently over {$12000.00}, because late fees of over {$100.00}. are added each month. When I inquired the unpaid XXXX Principal Balance Account I told was it was added because I was late on my payment. I did not realize I had that agreement and everytime I request a copy of the agreement, I am sent a paragraph with my signature. I have no idea what type of document this paragraph is from. I did see where the Special Forbearance Agreement from XXXX XXXX included a similar statement but the forbearance was a temporary lasting just a short time, I never had a XXXX. I was told that I have to pay this XXXX because I am late on my payments. I would like the XXXX removed. Finally, I have a buyer for my house, it is in escrow and should close on XXXX/XXXX/XXXX. Please look into this matter I understand that I have late fees but I do not agree with the second. I was advised to use this web site to file a complaint..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter on XXXX/XXXX/16 from wells fargo offering a settlement of a charge that was already written off. I 'd like to correct this and I called into the number shown, asked for the names on letter and was only given the chance to speak with a XXXX XXXX. On a recorded line I continued to discuss letter and offer immediate payment in the amount of {$3000.00} ( amount shown on letter. The next day ( today ) i see that the amount taken from my account is {$3800.00}. I immediately called today and was hung up on by an XXXX - called back reached XXXX and transferred to XXXX XXXX. He asked for proof of this letter and prove of the incorrect payment and he would TRYXXXX to have a refund for me and reply to my email. Now another person by the name of XXXX XXXX called me demanding this payment stating who did I speak with and I should only have spoken with him. then transferred back to XXXX who said they do not show my payment. I feel very frustrated and this is causing vast amounts of XXXX, and finding my other payments pending out. I really need assistance and this seems totally illegal and more than a accident.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Experian and XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Experian and XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 

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 explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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: 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.

The letters are stated with items and issues.

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 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 non-monetary relief
Consumer complaint received 2016-12-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted a USAA loan officer for a quote on VA 30 year fixed rates. I informed him I was shopping around for the best rates on VA loans, at which point he informed me that all VA home loan rates are standard for lenders, giving me no reason to shop around. This was my first time using the VA home loan and technically my first time purchasing a home. I come to find out later that VA home loan rates differ from lender to lender. I discussed the issue with his manager, and he said there is nothing they can do. I asked him to review the recorded conversation. He said it was n't recorded, apparently it is a random process for which calls are recorded. Any assistance in resolving this issue, even if it is simply holding them accountable on some level. This has severely impacted my family and possibly the selling family as well during this home buying process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am victim of fraud and someone stole my identity and got a cell phone in my name and i want my name to be clear up, Its sad i have to keep going thru this non sense

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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 belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX .... Balance : {$50000.00} ; XXXXXXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX XXXX XXXXXXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item 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.

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 2023-05-16
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Southwest Credit put an old XXXX XXXX  account on my credit report for the 3rd and last time. Its harassment. This company has removed this debt off my credit 2 times already. They committed illegal actions and can not prove to me that they have a right to collect a debt from me that I do not owe. XXXX told me that since I moved during XXXX that they definitely did not give Southwest credit permission to harass me. I have not been in contact with this company but want them to prove they have the right to collect from me when I dont owe them. This company is harassing me and its illegal to do this. They have caused my credit score to drop by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Diversified Consultants continue to harass me about a debt that I have no knowledge of. They have not sent me any documents nor was I provided a contract with my signature or acknowledgement of this. Not only this, they called asking for my XXXX year old son and when I told them hat my son was only XXXX the man replied " there 's no way that 's possible. Ill find a better number to reach him at. '' They hung up on me and continued to call multiple times after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Diversified Consultants, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This is not a valid debt, and Diversified Consultants , Inc did not investigate nor give me an answer to valid this debt, but took the easy route and placed it on my credit report instead of investigating the validity of account before the date of the letter prior to placing this bogas debt on my credit. This is a bogus claim from XXXX XXXX XXXX. I have been making attempts to contact this collection agency withing the 30 day time frame to find out why are they contacting me with a debt to collect with incorrect information and wrong amount of what is owed to XXXX XXXX XXXX reporting the incorrect amount ; When in fact I notified the company to fix the problem to terminate service and adjust my bill which never was completed.. Each month they would overcharge me, so I terminated services and retained a new phone service but XXXX still billed me for over three months.This is NOT my bill and will not pay it. I 've sent correspondence to the collection agency and they went behind my back with the incorrect amount of bill and placed it on my credit report before the 30 days for them to answer my dispute was done. I want this off my credit report at once! Have Diversified Consultants , Inc confirm the true amount of debt and remove off my credit report at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2023-05-16
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please see My attached With Prejudice as a Memorandum for the Record, Follow-Up to CFPB Case No. : XXXXSYNCHRONY FINANCIAL Dispute dated 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 explanation
Consumer complaint received 2015-11-09
Company: WELLS FARGO & COMPANY
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XXXX of this year, I received notification from my bank, Wells Fargo , NA, that my safe deposit box fees were increasing from $ XXXX to $ XXXX ( minus a {$5.00} discount, to total $ XXXX. I inquired on line with their customer service as this was more than a 40 % increase and I had not changed the size of the box. My reply from them on XXXX XXXX, 2015, was that they could not help me but to contact my local branch. I went to the local branch and was told by XXXX of the tellers that they had not heard about the increase in fees but I should speak with the branch manager who was out that day to see if there was anything they could do. They promised to have her call me the next day when she returned. I waited several days but she did not call me. I went to the branch about a week later and said that no one had called me. They promised to have her call me again. I never did hear from her or anyone else from the branch. I would like to know if this experience is typical and can banks charge these outrageous fees with no recourse to the customer other than moving my business? I am seriously considering moving my business but my credit union has a six month wait list for new customers lock boxes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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 belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} 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