BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job in XXXX 2016. Since Wells Fargo offered a " home Preservation " Program, I reached out to them to alert them of my hardship. They were understanding and approved me for the Forbearance program. The way it was explained, was that if the homeowner qualifies for a hardship, then they would make a minimum monthly payment ( around {$50.00} - $ XXXX/month ) until the hardship has been resolved. Once resolved, the loan would be re-evaluated to determine how the loan modification would be worked out. So, I agreed to participate in the Home Preservation Program ( which should be labeled Home Foreclosure Expedition Program ). I found another job and started on XXXX, earning less than I did when I qualified for my mortgage, and notified WF of this accomplishment. My Home Preservation " Specialist '' was extremely kind and encouraging during this conversation. She requested updated earning statements so that the underwriter could determine which program was the best fit. I was ecstatic and hopeful that I would be able to maintain my home. Within a week, my Home Preservation Specialist contacted me to inform me that she had a decision from the underwriter and was happy to report that I qualify for the repayment program! This is a program where you pay your regular mortgage amount in addition to all of the " outstanding '' payments. I informed my ( Home Foreclosure Expedition ) Specialist that I am not able to make that payment. Additionally, I now, have a reduced income compared to what was used for qualifying me for my home. She only told me that was my only option ; that the underwriter came back with that program and I could take it or leave it. I begged with her that it makes no sense that I can pay more on a lesser income. It fell on death ears. She only told me that my first payment would be due on XXXX. I could not make the payment in XXXX, but called back in XXXX to make the payment and was informed that my loan was 5 months delinquent and that I was, now, in preforeclosure. I attemtped to contact the " specialist '', which now changed to a XXXX XXXX and he was no longer available. He would not return my phone calls and I started receiving calls from the collections department, threatening me of further actions. I contacted WF one last time and begged to speak with someone in Loss Mitigation, but no one observed my request. So, here, I have decided to file a complaint as I have a valid hardship and working to save my home. I am working and making a valiant effort to negotiate a fair plan with WF.

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 2023-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
On XXXX XXXX XXXX, I submitted a stop payment request to stop an UNAUTHORIZED electronic debit [ {$220.00} XXXX XXXX ] on my checking account XXXX, my bank dishonored my request. This transaction was withdrawn from my account on XXXX.As a result, this has created a financial hardship for me to meet my rent obligation. Additionally, I keep a minimal balance in this account because I am in the process of closing account, but need to keep it open until my SSA benefit is credited to the new account that I opened with the bank.

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 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My mom informed me that I received a letter in the mail from where I use to live stating I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money monthly. They have the wrong information. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen before. Please remove these fraudulent items from my credit report. 

XXXX XXXX {$130.00} XXXX XXXX {$98.00} XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$140.00} XXXX  XXXX {$99.00} XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$82.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX/XXXX XXXX XXXX {$610.00} XXXX  XXXX {$1100.00}

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 company continues to violate my consumer right with a debt they bought an claiming that I owe them money and reporting inaccurate information to my credit file. The image below will show u the details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
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:
XX/XX/2023. 17 or more inquiries.no action was taking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: IN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 balance transfer

Complaint:
As a student, I got myself a collateral-secured card from Bank of America XXXX But I canceled the card and the agent said the collateral of XXXX  will be returned after deduction of remaining credit. But only XXXX usd was deposited into my account. And no one can explain what happened to the remaining XXXX usd.

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 2020-03-05
Company: Experian Information Solutions Inc.
State: FL
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 am not responsible for this accounts, i have never applied for this companies. I believe, that somebody used my personal information and applied for this.

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 2023-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I complete a 0 % promo balance transfer with 3 % fee about a year ago. On my last statement I was changed my annual credit card fee of {$99.00} on XX/XX/. 14 days later, my statement closed, and I was charged interest on this fee, which the bank claims is a purchase. My complaint is that I think banks should not be allowed to charge interest on annual fees since they are not technically customer purchases, They have the discretion to charge this fee anytime of the billing period, so technically they could devise a corrupt plan to always charge the fee at the beginning of the customers billing statement to maximize interest for that month so even if a customer pays more than the minimum payment to cover the fee, they still get at least one month of interest, Banks can apply payments to purchases before the balance transfer or vice versa, so allowing this opens opportunity for devious banks to manage this in their interests. Also, my statement shows {$0.00} in purchases and a separate line for fees. If they see fees as a different line item, then it should be treated that way. Finally, the average balance interest is charged to is also confusing and does not match my fee amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Best Buy card was opened under my account an used to purchase electronics at Best Buy on the same day. I think it has to do with the fact that I have a Best Buy account as the purchases were under my Best Buy 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 2020-03-05
Company: Experian Information Solutions 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:
I was trying to buy a car at XXXX and when they ran my credit to see what banks I qualified to get a loan from, I was told that no bank was able to approve me for a loan because there are more than five accounts in negative standing appearing on my credit report. The accounts are from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I did not open any of those accounts with these companies and I did not allow anyone else to open those accounts in my name using my information. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts.

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 2019-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Hello On XX/XX/2019 XXXX *XXXX XXXX CA Type Purchase in the amount of {$930.00} On XX/XX/2019 BOA ADJ/XXXX XXXX  Type Bank Transaction I asked for a charge back - {$930.00} On XX/XX/2019 BofA reinstated the charge Case number XXXX BofA Credit card Chargeback services sent me a written letter Post marked XX/XX/XXXX First class mail from Delaware Zip code XXXX to my zip code XXXX, in other words from the corner of America on the East Coast to the bottom of America on the other side and expected me to reply by XX/XX/XXXX. So they expected a letter sent first class to get to me in 3 days and i would be able to fill it out. I didnt receive letter until XX/XX/XXXX and sent them a fax that day ( however i dated it as XX/XX/XXXX, I thought it was XX/XX/XXXX). They then ruled against me in charge back and applied {$930.00}. 
This is totally unfair and written correspondence going from coast to coast should be given at least 1 week response time. I have the postmarked letter dated XX/XX/XXXX and the letter stating i need to reply by XX/XX/XXXX 8th

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 2023-10-24
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not open the credit card from XXXX XXXX XXXX, the debt collector is after me because they think that i opened and used this credit card but I haven't. they were a result of identity theft and I wasn't aware of this until I accessed my credit report. 

i was outside the country when the credit card was used. 

I filed a police report and brought the issue to court but the suspect comitted perjury, lied to the judge by using empathy and denied all 10 credit cards that he opened under my name and made a promise to repay those credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: EQUIFAX, 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:
XXXX XXXX XXXXnd Equifax are erroneously reporting public record BK XXXX on my credit report that was supposed to be removed and is not an accurate public record ... I have disputed this information with the bureaus who stated they were able to " verify '' accuracy with the furnisher which was a lie ... - XXXX XXXX XXXX CA XXXX - WHO STATED THEY DO NOT REPORT OR UPDATE OR V ALIDA TE ANY INFORMATION AT ALL TO CREDIT BUREAUS ... THUS YOUR STATEMENT OF " VALIDATING THE ACCURACY OF THIS ACCOUNT WITH THE REPORTING FURNISHER IS FALSE! ... " AFTER CONTACTING AUTHORITIES IN CHARGE OF REGULATIONS OF YOUR ORGANIZATIONS, I LEARNED TO. FIND OUT THAT IT IS XXXX XXXX PRIVATE COMPANY THAT COLLECTS AND SELLS THIS PUBLIC INFORMATION TO YOUR ORGANIZATION. I THEN CONTACTED THEM REQUESTING VALIDATION OF THIS ERRONEOUS ACCOUNT ON MY CREDIT REPORT ... 
- IN XXXX OF 2021 AFTER YOUR NUMEROUS WRITTEN VALIDATION ACKNOWLEDGMENTS OF ACCURACY OF THIS ACCOUNT, XXXX THE ACTUAL FURNUSHER OF THIS ACCOUNT TO YOUR ORGANIZATION, CONFIRMED IN WRITING THEY DO NOT AND DID NOT HAVE SUFFICIENT OR NONE INFORMATION ON THEIR RECORDS IN REGARDS TO THIS PUBLIC RECORDS # XXXX OR # XXXX THUS THEY CONFIRMED IN WRITING DELETION OF ANY AND ALL PUBLIC RECORDS RELATED TO MY SOCIAL SECURITY NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Ocwen Financial Corporation
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I set up autopay for my mortgage payment with PHH Morgtgage XX/XX/XXXX. It was never processed. In XXXX I received a notice on my credit report that my payment was delinquent over 30 days and my credit score dropped 1 plus points. PHH mortgage claimed to have sent a letter ( which I don't recall ever receiving and I work away from home as a truck driver ) ... I don't recall ever receiving an email, text or phone call indication that I missed my XXXX payment. In the past few days ( this week ) I got several phone calls from PHH mortgage but they never left a voicemail. I often receive sales calls from PHH indicating that I can use the equity in my home ; therefore it never occurred to me that I had a missed payment. Now my credit is destroyed over a simple miscommunication and they claim they can not reverse the negative reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$14000.00}.

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 2023-01-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been banking with Wells Fargo for many years now. at times I have notice that some of the items that I have paid have been healed for a week till the money in the account is at a minimum. Then it's sent out as a payment to where the account dose not have enough funds to pay out and I'm hit with a fee. I have called them several times and asked why does it take so long for the money to be sent to the merchant? their reply was sometimes it takes time for us to receive the payment that was put in. I went on and did a test to see if what they were saying was true. not at all. I have bought some items from the same merchant where the payment comes out immediately to where it takes one to two weeks to come out of my 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 2022-11-22
Company: Experian Information Solutions Inc.
State: FL
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 appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 2023-10-29
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2016-03-28
Company: Southwest Credit Systems, L.P.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Regarding case number : XXXX, I have disputed the validity of the debt SWC Group LLC is attempting to collect and have asked SWC Group that they stop any and all contact with me until after my dispute has been investigated and they have provided proof of the debt in writing to me. Even after sending this letter within the 30 days of when I received their notice, they continue to call me multiple times per day. My understanding is that according to the provisions of the Fair Debt Collection Practices Act ( FDCPA ) they must cease contacting me until they have provided competent evidence that I have any legal obligation to pay them. In my mind, Southwest Credit is clearly in violation of the 15 USC 1692g Sec. 809 ( b ) of the FDCPA.

Company response to consumer: Closed