BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: OH
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 XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX US Department of ED # XXXX 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 states a consumer reporting agencu 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 7 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 2021-05-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX we had XXXX In our saving account in Wels Fargo bank and XXXX income per month. Because Mr. XXXX and I wanted to buy a condominiums for his old age with elevator and myself because of The age gap. I was much younger than him. so we filed an application for purchase loan loan with Wels Fargo was denied because of his age ageism and I was a woman. so we had to get loan from an XXXX  lender to purchase our property even with XXXX Savin in that bank and a good monthly annuity. 
We didn't do anything about it. But we know was discrimination. 

Then in XXXX Mr. XXXX started having memory issues and we needed to create a joint account so I could manage our finance in one account since he was not able to. our finances and mortgage and some mistakes and most importantly he wanted me to deal with them. 

we went to the XXXX XXXX Wels Fargo branch. We were insulted assaulted and accused and they literally detained Mr. XXXX for questioning him not letting him talk to me. XXXX XXXX interrogated him and me even with our marriage certificated they refuse to service us. Desperate We had to close our account and go to XXXX XXXX  to open an account and create a joint account. He was at the time at early stage of memory loss he was Still driving. so disturbed about the incident he started having XXXX  that they wanted to take him away from me and take our money. so he insisted that he wants to leave America. I had to assure him and not to let him see my tears. which Has caused me So much XX/XX/XXXX and XXXX since he has passed away in XXXX. I am seeing a XXXX  now. That incident has caused us so much financial damages and caused him pain and anguish and XXXX. And me to be humiliated threatened me to call the police on us. I need to let them know they abused my elderly husband discriminated us for loan and caused us so much pain and anguish. I am planning to file a lawsuit against 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 2021-05-17
Company: Experian Information Solutions Inc.
State: MS
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:
Experian is reporting the following items inaccurately. Can someone please look into this. Thank You XXXX XXXX XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXXXXXX not mine XXXX XXXX XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I got a copy of my credit report, which I have never seen before and it was shocking to see the amount of fraudulent activity. There were addresses that didn't belong to me and I contacted the credit bureaus and was told paperwork had to be sent to them to have my issues addressed. I told them I did not recognize the inquiries on my report and based on my consumer rights I wanted them deleted immediately, especially since XXXX and XXXX have had breaches that put my credit information in the hands of thieves. They said I would have to prove again who I was by answering more verification questions after they already verified who I was. I don't know if the agent understood what I was saying about my rights cause they did not sound like their first language was English. Out of frustration I filed a report with the FTC # XXXX. These accounts/inquiries should not be reporting to my credit report/file because they do not belong to me and should be deleted immediately.

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 2021-05-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a loan through Community Loan Servicing, I applied for a loan modification back in 2019, after months in the application process they finally approved me, but they did right in the middle of the COVID 19 crisis. I made two payments in the three payment agreement but my hours were cut cut to the crisis, and I ask for a forbearance, And I was granted it. After I was granted the forbearance, Community then said that the modification is in default. I have returned to my work full time and have been promoted to a higher pay than I was when I was granted the original modification. I have applied for a new modification but they also are stating that they might proceed with foreclosure proceeding as well after the forbearance ends at the end of XXXX. I believe that this practice is unfair, and is meant to deceive the mortgagee holder that they had protections under a forbearance they really did not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Io, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Receivable management systems XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have been using a deck consolidating agency known as XXXX XXXX  to contact them via third party with all of my contact information to settle and absolve and eventually pay on this debt. Over the course of 3 months they have made no attempt to contact me but feel they can justifiably up the debt to which I owe which recently over the last two days has been an additional {$150.00}. Since they have not made any attempt to return any calls made on my behalf or by my own person I contacted XXXX to dispute the debt due to non-contact. They simply replied with they disagree and that was that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorrect information about my address in which I am unaware of these addresses and I have never lived at these addresses that are fraudulent and are affecting my credit report, I sent them proof of my correct address so that they would eliminate the incorrect and fraudulent addresses and I am unaware of those addresses. It's been more than 90 days and I don't see a solution to my problem regarding my address correctly, so I want it to be resolved soon.

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 2021-05-16
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity Bank XXXX XXXX XXXX XXXX, TX XXXX on statement closing cycle XX/XX/XXXX billed me for finance and late fees because they claimed my payment arrived late. Since I have even had the account my payment history is impeccable and I mail payments within the few days after receipt of their statements. In recent months their statements arrive late. Perhaps due to the weather problems in Texas or their own internal defects or errors. After speaking with 4 representatives they ( smarmily XXXX agreed to credit me for the fees. I paid the full amount they claimed was due by XX/XX/XXXX and this payment was printed and mailed on XX/XX/XXXX ( I remember a Tuesday ) and dropped in a United States Post Office center the same day. 
The new issue : On XX/XX/XXXX I received a statement that says it was cut on XX/XX/XXXX with another late fee and interest. Clearly they are having problems because according to their timing and mailing it is taking them 8 days from the date they claim they cut the statement to receipt in New York, USPS states the mail from XXXX to NY time of a letter is about 4 to 5 days. The check I mailed on XX/XX/XXXX was cashed by Comenity on XX/XX/XXXX, Comenity states their due date was XX/XX/XXXX and they cut off their statements on XX/XX/XXXX as the closing date as printed on their statement. Its not possible for my payment to have been late again unless they are having internal process problems or weather is still affecting their operations ( one manager I spoke to told me " due to covid we are short handed, its possible that is causing a delay, we have had freezing weather that might have cuase the mail to be delayed ) None of these issues are the consumers problems and I want Comenity to issue me a full refund for late fees and interest then close my account due to the " Banks inability to manage their operations errors '' and correct my credit report. 

Then I suggest CFPB launch an investigation into what appears to be a regular practice or pattern of creating a payment receipt delay in their structure that causes people to pay interest and fees that would otherwise not be due. I would like CFPB to ask Comenity to send a mailing to all its customers who paid fees and interest in the past year advising them that if they have experienced errors they feel need to be investigated they should act upon their rights to do so. 

This bank - Comenity is a takeover and appears to be using the customer base they acquired in an unfair an unscrupulous way for gain. I want my report also elevated to the elected official board who oversees CFPB for their knowledge in case they have seen other abuses like this from Comenity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, i used a TD bank atm at XXXX XXXX NY to deposit my cash. I had a total of {$50.00} XXXX and {$20.00} XXXX to make my total of {$4100.00}. I had counted my cash prior to getting to the bank. I used the first atm and placed more than the required number of bills that included 50s and 20s, the atm took some of the bills which were mostly 50s, and returned very few 50s and 20s. Without noticing the error, i told it to deposit the first set of bills and tried to deposit the rest however, the machine wouldnt take the rest of the cash. That deposit came to {$1000.00}. I did a final deposit on the next machine only to realize my funds were incomplete which came to a total of {$690.00} and {$900.00} respectfully. Which means i was missing {$1500.00}. Then it occured to me that the first deposit stated {$1000.00} which should have been {$2500.00} because it had taken only the {$50.00} bills and should not have been {$1000.00}. i ran into the bank after the atm error which could mean the ATM counted my {$50.00} bills as {$20.00} bills. They filed a claim and told me to wait 5 buiness days. I called on the 5th business day and they said its 10 business days now. I called on the 10th business day and i was told the claim was not in my favour. I ran to the bank to speak with the manager. He looked at the claim and said the initial claim was done incorrectly. He stated they count the overages every friday and the claim stated overages counted on XX/XX/XXXX when it should have been counted on XX/XX/XXXX. He stated he was going to look into this and get back to me. He called me back 3 days later on XX/XX/XXXX and stated their account did not have any overages for the week of the XX/XX/XXXX and he had his atm tech open the machine to see if there were funds stuck there but there wasnt so they would be closing my claims. I kept insisting that i know my total funds and its still missing from their machine. He stated he looked at the camera and saw the atm gave me back some funds which i deposited in the next machine. And i told him, thats been true and in my inital statement. The first ATM gave me back some bills and was refusing to take the rest of the bills multiple times so i had to use the other ATM. Whoever fixed the issue from the first atm must know the atm machine wasnt taking any more cash. He said the bank can no longer do anything about this, and would be closing my second claim and ended the call. My total funds is still missing {$1500.00} and i dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage Company failed to turn over all funds paid on my account by me to XXXX when Nationstar sold my account causing a shortage in my loan. I have included the XXXX Payment history, which demonstrates that when it received the loan I was 2 months behind. I modified my loan with Nationstar Mortgage in XXXX 2010. My payments commenced in XXXX of 2010. I am providing you my payment history which shows regular payments being made since XXXX 2010. I am providing you the documents showing modification and new payments due on XXXX 2010. 
The missing funds should be sent to XXXX immediately so that my account is brought current and principal and interest properly applied

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
DISCRIMINATION DISRIMINATION CITIBANK EXPECT A LAWSUIT FROM ME XXXX XXXX XXXX A VETERAN OF THE UNITED STATES XXXX XXXX AND YOU HAVE DECLARED A LEGAL WAR AGAINST ME. 

I wired {$4500.00} from my chase account to citibank for my XXXX XXXX investment account. I was also charged a {$25.00} wire fee which was refunded. Again I sent money from XXXX to citibank through XXXX wire with a reference number XXXX I sent it to citibank XXXX XXXX account number ending in XXXX. I dont see this number in the confirmation ledger. ONLINE DOMESTIC WIRE TRANSFER VIA : CITIBANK XXXX XXXX : XXXX XXXX XXXX NY XXXX XXXX REF : FROM XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX/TIMEXXXX XXXX : XXXX TRN : XXXX XX/XX/11 When i call XXXX XXXX they say they dont see it in the que and they cant find it for the last 3 days. XXXX finally put in a recall after me calling 100 of times one person a supervisor said its completed its lost and hung up. This is not right. THIS IS A FEDERAL WIRE THAT INSTRUCTIONS WERE SENT PERFECTLY. THIS IS A VIOLATION OF MY CIVIL RIGHTS I CAN NOT EVEN WIRE MONEY LIKE EVERY OTHER AMERICAN AND NOT HAVE ANY PROBLEMS I AM A XXXX VETERAN AND THIS IS A VIOLATION OF MANY MANY MANY MANY MANY FEDERAL LAWS HELP ME GET ME MONEY

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY XXXX XXXXhe credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I recently sent a letter to TransUnion, XXXX, and XXXX on XX/XX/2021, to let them know that I was a victim of identity theft, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.

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 2023-01-24
Company: Foris DAX, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
he was a victim of fraud with a company called XXXX XXXX that according to was an investment fund and he took my XXXX from my virtual wallet

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
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:
In 2016, my Home Equity Line of Credit with First Citizens Bank in XXXX, NC matured. I asked to have it renewed. They asked for tax returns which I provided. As my returns are complicated, they asked for more information and ordered an appraisal. This information requests were repeated a few times over many weeks or months until they made a final decision to not renew and I paid the balance in full. 

During the time we were negotiating a renewal, I did not receive statements. Later I learned First Citizens had been reporting the loan as late. How could my loan be considered late when no bill was provided for me to pay? 

I have written to First Citizens twice and received no reply. When attempting to reach them by phone, there is no one available to speak with. I was told the credit reporting department does not speak with customers or former customers. I would appreciate anything you can do. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home 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:
A chat representative revealed to me that Mr Cooper had not actually done what I was told they had done to keep me from getting contacts. Chat attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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:
I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! Im the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy...

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