BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-24
Company: Cash Express, LLC
State: CO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CASH EXPRESS LOCATED AT XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX IS SENDING ME CORRESPONDANCSE SAYING I OWE FOR A 3 LOANS TAKEN OUT IN TN. I DO NOT LIVE IN TN NOR HAVE I EVER VISTED THIS CASH EXPRESS BUSINESS. I LIVE IN COLORADO AND HAVE BEEN IN COLORADO FOR MOST OF MY LIFE. 
I ASKED THEM TO SEND ME THE ID OF THE PERSON WHO TOOK OUT THIS LOAN. UPON REVIEW OF THIS ID THIS PERSON REMOVED MY PHOTO AND PLACED HIS PHOTO ON MY OLD IDDENTIFICATION CARD THEN USED THIS FAKE ID TO GET 3 LOANS. ALSO THEY USED AN OLD LAST NAME. I DID TALK TO THE POLICE ABOUT THE MATTER. THIS MATTER STILL REMAINS UNSOLVED. 3 FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY OLD LAST WITH A GENTLEMAN USING A FAKE ID.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: Experian Information Solutions Inc.
State: MO
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:
Experian lying about this complaint calling it a duplicate well all my complaints have XXXX and to dismissed one as this is criminal

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 2024-02-04
Company: MIDFIRST BANK
State: AZ
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:
3 separate partial claim documents on 3 separate occasions. I have requested incorrect calculations and escrow withdrawal for lender placed hazard insurance unlawfully on multiple transactions to be corrected and refunded. Including correcting inaccurate balances to be corrected on partial claim documents. They have refused to make corrections of there mistakes. Jeopardizing Covid-19 partial claim and Haf assistance to be able to reinstate mortgage loan. Also charging me fees well I wait for corrections that never happen. In my closing of escrow documents it states that for the loan to close one year of the proper Hazard insurance be provided enabling the loan to close. Therefore my loan with Midland Mortgage would have never closed escrow if they did not have these documents to do so. Nonetheless I was charged for lender Place Hazard insurance 10 times. My hazard insurance is the same exact policy the entire duration of said loan. These fraudulent charges including fees needs to be refunded immediately. Fraudulent comes into play after repetitive withdrawals. Midland Mortgage has the closing of escrow documentation same as me. Not to mention they should know their own contract. The fact that they have refused to make Corrections of their mistakes and in turn affected my covid-19 partial claims and half funding while charging me fees will they refuse to correct their mistakes is absolutely unacceptable and the repetition of it including the refusal to fix makes it fraud with intent to defraud. Due to the multiple notice of errors sent and received my Midland Mortgage. Including live Midland Mortgage Teller Communications of the problems. That of which are documented and recorded. This also involves RESPA violation for mishandling of escrow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following inaccurate information that appears on my credit report. This information is inaccurate and should be corrected or deleted. The errors which prompted this credit report dispute include : An inquiry was made by a company called XXXX on XXXX. I did not give them permission to pull my credit. Please delete this off of my report. 

An inquiry was made by a company called KLARNA/WEBBANK on XXXX. I did not give them permission to pull my credit. Please delete this off of my report. 


XXXX XXXX account XXXX. This account is not accurate. Please delete XXXX XXXX XXXX account XXXX. This account is not accurate. Please delete XXXX XXXX XXXX account XXXX. This account is not accurate. Please delete. 

XXXX XXXX Bank Account number XXXX This account is not accurate. Please delete. 

XXXX XXXX BANK XXXX account XXXX. This account is not accurate. Please delete. 

SELF /ATLANTIC XXXX B account XXXX. This account is not accurate. Please delete. 

SELF FINANCIAL/LEAD BANK account XXXX. This account is inaccurate please delete this information. 

According to Section XXXX of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any inaccurate or outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to me. 

Please investigate and update these items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-01-26
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
on XX/XX/23 my us bank checking account showed 2 unauthorized transactions worth of over {$270.00} that werent made by me. i called and contacted my bank and was told theyll cancel the charges. the charges are still there and they charged me 4 extra overdraft fees because of the unauthorized charges as well. even though my account was completely fine before the fraud charges. and they said they wont refund me now. even though i was told yesterday they would.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NJ
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:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system 15 US Code 1605 " Definition of a FINANCE CHARGE '' OFF OFF XXXX XXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2024-01-24
Company: FC HoldCo LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collections is still being reported on all XXXX credit agencies and I want it removed immediately. I have sent information and will upload it again. I would like for this company to send me the 1099c that should have been filed if this debt was charged off as it sates on my report. I will act under law if this information is not provided or if the information is not taken off my XXXX reports. Its tax fraud and I will be filing a complaint with the irs if this isnt removed are furnished.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NJ
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:
Credit Bureau reported a XXXX XXXX XXXX XXXX XXXX off Account on my credit report, as it appears to be in violation of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( NPI ). 

Per the XXXX, XXXX includes any information provided by an individual to obtain a financial product or service, such as name, address, income, Social Security number, or other application-related details. Financial institutions are required to provide an initial notice to customers at the establishment of the relationship and an annual notice thereafter. 

It has come to my attention that the charge-off on my credit report is inconsistent with the XXXX 's XXXX, as I have not received the necessary notices and information regarding the handling of my NPI. Specifically, I have not been provided with an initial notice at the establishment of the customer relationship or an annual notice thereafter, as mandated by the XXXX Moreover, if my XXXX has been shared with nonaffiliated third parties, I have not been given the requisite opt-out notice, a reasonable way to opt out, and a reasonable amount of time to exercise my right to opt out before any disclosure. This lack of compliance raises serious concerns about the handling of my financial information. 

I kindly request a thorough investigation into this matter, and I expect the immediate removal of the charge-off from my credit report if it is found to be in violation of the GLBA. Failure to do so XXXX result in penalties outlined in the GLBA, including fines and potential legal action. 

I anticipate your prompt attention to this matter and a written response detailing the steps taken to rectify the situation and ensure compliance with the GLBA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NJ
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:
I have numerous inquiries and addresses and an account that I do not recognize and do not belong to me. I contacted the 3 credit bureaus to remove them and they told me to do a Identity theft report and they would not remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: KY
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 want all three of these red flags removed from my account. I do not have no personal loans and I am flagged for a personal loan on the experience app. I have no personal loans. I have no mortgage loan removed this inaccurate information.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-02-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a victim of fraudulent transactions through my Wells Fargo online accounts and their " XXXX '' feature. 
Wells Fargo automatically assigns the " XXXX '' fund transfer feature to all of their customer 's online banking accounts. 
Because of this feature, someone hacked into my online account and was able to send themselves money, out of my account, by just using their phone number and email address. 
I DO NOT WANT the XXXX feature assigned to my online accounts. I have asked them to remove it, and they can't because they say it is an " automatic '' feature for the customer. 
Wells Fargo is putting their customers at risk by automatically assigning this XXXX feature to all customers.

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 2024-02-05
Company: U.S. BANCORP
State: PA
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:
I applied for XXXX credit card on XX/XX/year> and received a hard pull. The company was XXXX. Then on XXXX XXXX I received another hard pull credit check from this XXXX  company stating I opened a credit card but I didn't.

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 2024-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account with Bank of America has been closed by the bank, and I am requesting you to reopen it. I deny Bank of America 's claims that I initiated a payment of {$24000.00} on XX/XX/2023, resulting in a credit or negative balance of - {$24000.00}. I did not make this transaction online, and autopay was not set up. Upon noticing the payment, I immediately called Bank of America, and the agent confirmed that autopay was not configured. The agent advised me to stop the payment, which is why it was returned. 

Subsequent payments were also returned because my bank had placed a stop payment on all future transactions without my knowledge. Four payments, in total, were returned after that, leading to Bank of America terminating the relationship. This situation seems unreasonable, and I kindly request you to review it.

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 2023-11-18
Company: W&A Intermediate Co., LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Wakefield and Associates, LLC on XX/XX/XXXX stating that I owed {$1100.00}. I contacted my insurance company ( XXXX ) who sent me the EOB ( Explanation of Benefits ) which showed that the original charge was {$1600.00} and the XXXX Member Discount was {$1100.00}. XXXX paid {$420.00} on XXXX which was the difference. I, as the member, did not owe anything else toward this bill. I informed Wakefield of this via phone, email, and letter via postal mail on XX/XX/XXXX and again on XX/XX/XXXX. I filed a dispute with XXXX to have the collection removed but they did not and continue to report this bill fraudulently which is negatively affecting my credit score. This is the email I recently sent to the company : My name is XXXX XXXX. My DOB : XX/XX/XXXX SS # : XXXX I am writing this email to demand that you have this account ( Wakefield XXXX ( # XXXX ) removed from my credit report immediately. I had contact with one of your representatives ( XXXX ) on XX/XX/XXXX and also sent an email with proof of payment from the insurance company on that date as well. I sent the verified information to the email address she gave me ( XXXX ) showing that my insurance company paid this bill on XXXX. I am including the EOB with this correspondence. The amount that you are trying to collect from me is the amount that is contractually discounted between the doctor and the insurance company and XXXX XXXX XXXX XXXX paid the remaining balance which shows that I do not owe anything on this bill. Your reporting of collections of the bill is not legal and is hurting my creditworthiness and reputation. I have written letters to XXXX and the other credit bureaus detailing this information. Again, I am including proof that I do not owe this bill and I request that you please have it removed immediately ( within 30 days ) and update the credit bureaus accordingly. 
Due to the fact that this is my 3rd communication about this matter, I am also notifying the Tennessee Collection Service Board of the Department of Commerce and Insurance and the Division of Consumer Affairs at the Attorney Generals Office at XXXX : XXXX. of your unwillingness to comply with the state law from which you are licensed. I am prepared to and will sue your company for the maximum civil, criminal, and punitive damages available by law. 
Please inform me via email and postal mail when you have deleted this account, updated the credit bureaus, and have rectified this situation that is causing me great harm in this unstable economy. 
Thank you. 
XXXX XXXX XXXX XXXX I also included a copy of the EOB from XXXX showing that the bill was paid and I don't owe anything along with the bill that came from Wakefield with their numerous account numbers on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: NEW YORK COMMUNITY BANCORP INC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Was told online through myloans that i was on a forbearance until XX/XX/XXXX. I did not make a payemnt due to being in forbarence which was told by flagstar I was not in forbarence but online said I was. Stated on myloans " on active forbarence until XXXX I have been trying to resovle this for a year now and they have me as active foreclosure. They did not tell me that I had a morgage modification in XXXX or XX/XX/XXXXXXXX  so now the loss mitigation team will not work with me they give me no option but to pay over {$40000.00}. I would not be deliquient or in this mess if did not believe to be in a forbarence that i was lied to about. Due to this I owe alot due to the backowed amount due to believing I was in forbarence.

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 2024-02-02
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I opened a Citi Business Checking Account in branch in XXXX XXXX, CA. I was enrolled in a promotion that required I make a deposit with 30 days, then hold the funds for an additional 60 days to receive a {$750.00} bonus. On XX/XX/XXXX, within 30 days from opening the account, my account balance reached {$20000.00}. I maintained that balance through beyond the following 60 days, per the terms. The terms stipulated that the bonus would be paid within one month, following the end of the month in which I met the terms, which was XXXX. Per the terms, the bonus should have been paid at the end of XX/XX/XXXX. As of XX/XX/XXXX, over a month since the payment deadline, the bonus has not been paid. I have called the bank regarding the bonus and the representatives have let me know that I have met the terms but tell me to wait. I would appreciate the bonus being paid now as I have met the terms.

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