BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: NC
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:
Under 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 and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, and 164. 
XXXX XXXX XXXX, ( Reported to XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Reported to XXXX & Experian ) XXXX XXXX, ( Reported to XXXX & Experian XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Experian ) XXXX XXXX XXXX XXXX these items have violated my rights. 
In 15 U.S.C 1681, section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

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 2017-06-28
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
1. On XX/XX/XXXX, I called Wells Fargo to dispute three transactions involving XXXX XXXX XXXX. One of the transactions, in the amount of {$180.00} I did not recognize and did not sign for, did not authorize, and does not appear on my hotel receipt/folio. I do not know what it is for. <P/>2. Wells Fargo created a dispute, case # XXXX, for the three transactions. The basis listed as " service not as expected, '' even though for the charge for {$180.00}, the basis should have been listed as unrecognized charge/unauthorized. <P/>3. Previously, I called the hotel/merchant several times, including most recently on XX/XX/17 and attempted to talk with them about the unrecognized charge and other issues. I asked for XXXX XXXX, the front desk manager. They said she would call me back but she has not. <P/>4. Also, I called XXXX XXXX corporate office on XX/XX/17, to talk with someone about the unrecognized charge and other issues. They said they would call me back on XX/XX/17, but have not. <P/>5. The original Wells Fargo representative who took my claim said she was going to attempt to call XXXX XXXX XXXX and call me back. <P/>6. According to Wells Fargo representative # 2, XXXX, the first representative did call the hotel and the hotel refused to talk with Wells Fargo to substantiate the unrecognized charge. <P/>7. XXXX recommended that I open a new dispute specifically about the {$180.00}, and transferred me to do so, saying I had a strong case to win the dispute, especially after the merchant refused to talk to Wells Fargo. XXXX said she wanted me to send the folio, so I scanned it to my computer in preparation. <P/>8. XXXX transferred me to representative # 3, who agreed my dispute was miscategorized, but said she 'd have to transfer me to the business disputes dept. <P/>9. Representative # 4 XXXX ( refused to give ID # ) refused to reopen the dispute, and kept asking me what the charges were for. I said I did n't know because they were not on my folio. I asked to speak with a supervisor. <P/>10. Rep. # 5 XXXX ( refused to give ID # ) was extremely rude, never apologized for the inconvenience of the two hours I had to spend on the phone, and also refused to reopen the dispute. <P/>ANALYSIS : Merchants should not have the right to charge customers any amount they want, without any documentation provided to the customer, and then refuse to provide said documentation to the customer and the bank. The bank should not refuse to dispute an unauthorized charge. At the very least, Wells Fargo should have reopened the case, allowed me to send my documentation, and asked the merchant again to respond. In reality, with the merchant refused to talk with Wells Fargo, it should have been enough to charge back the full amount of {$180.00} and close the case.

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: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This has been resolved and is closed. 

XXXX continues to " update '' the information every month. It constantly appears current. 

The information that is being reported needs to change to current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/22, I opened a checking and savings account and funded the same day with {$75000.00}. Citi had a promotion that paid {$1000.00} bonus after keeping the account for 90 days. I received an email that says : " to receive a Cash Bonus : Deposit New-to-Citibank Funds into your new checking account OR between your new checking account AND a new Citi Savings Account within 20 days of account opening. The balance on the XXXX calendar day after you open your account will determine your maximum Cash Bonus. * '' I did as they instructed and left the $ XXXX in the account. Now they want to renege on the bonus. 
I have spent hours on online chat and on the telephone. During the last call, I was told I would get a call back immediately because the line we were on was so bad. I didn't receive a call back.

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 2019-06-17
Company: Phoenix Financial Services LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who PHOENIX FINANCIAL INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. PHOENIX FINANCIAL INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

XXXX. Provide the contract or other instrument through which [ Alleged Creditor } authorized PHOENIX FINANCIAL INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ PHOENIX FINANCIAL INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to PHOENIX FINANCIAL INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Graham Leach Bliley Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXX, 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 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 2023-05-30
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Friday XX/XX/2023. I bought a door frame from XXXX 's for {$390.00}, turned out it was the wrong door. So took it back and was refunded {$390.00} from XXXX 's. I then bought the right door for {$390.00}. I checked my bank account and it showed {$390.00} for the first door bought then it showed {$390.00} returned from XXXX 's because of the door I returned and the account showed where I bought the second correct door for {$390.00}. So the money was taken out and then returned and was taken out again. The next day I looked at my account and there were 2 charges of {$390.00} for a total of {$780.00}, it did not show where XXXX 's had returned the {$390.00} nowhere on my account, not even in the pending section. Regions was just sued and lost for manipulation of customer accounts collecting overdraft fees. Of whitch they have do to me over the last 35 years numerous times. They are still doing the same thing. I have never seen not XXXX XXXX from all the lawsuits. I want XXXX XXXX dollars in compensation from them for bank fruad.

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 2022-05-17
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The problem now, is now the mortgaging servicing company. 
( XXXX XXXX  ) Husband and wife requested a conforming 15-yr conventional non-cash out re-fi with XXXX XXXX XXXX ( dba : XXXX XXXX. ) which was processed and subsequently recorded in XXXX XXXX ( AZ ) on XX/XX/2021. We have a complicating issue as the first portion of the loan process triggered this issue with AmeriHome Mrtg. ( AHM ) servicing. To summarize : our loan application has one spouse as the borrower, no co-borrower and the property being placed into our Rev. Trust on recording the deed. XXXX title instructions to XXXX XXXX were in error as they had both parties on the note despite not having a co-borrower listed in the app. I did not catch the error at signing but did confirm the error with an officer of XXXX afterwards. This was an error but one that we can live with and not worth un-doing the note. 
The problem and complaint now is, AHM of XXXX NJ purchased the servicing portion of the loan 30-60 days hence, and subsequently placed an internet ( account ) block on the account. We are not able to see any loan detail beyond the monthly statements. I contacted AHM with in 60 days of the loan closing as we began receiving correspondence etc.. I called and requested online access; was told that a ticket would go in and to give it a couple days. I didn't follow up at that time as we were receiving statements, our payments were being received, and frankly busy with the holiday 's. This month, I called the service number ( XXXX ) on the XXXX as online access is still blocked... the CS agent said to give it 48 hours and she would request access etc. I followed up with AHM 's chat line on the XXXX after another phone call ... a XXXX  @ XXXX XXXX stated that the company was looking for a XXXX from the co-borrower. After a phone conversation and two lengthy chat sessions with AHM on the 13th, and faxing of the requested document... I was told to wait and it would clear by Tuesday the XXXX. I logged in today and the block is still in effect ; I contacted AHM via chat ( XXXX at XXXX am PST ) and she has no idea. Reviewed the notes, asked if I had sent it to the correct fax number ... which I confirmed and copied the fax confirmation data to her. I asked for her to elevate my request so that the block could be lifted... the line was terminated on her end. Good grief. 
I am having difficulty getting anyone at AHM that knows what the process is and will help me get the access to our loan information ; their back office is rotten. I would appreciate if CFPB would lodge a consumer complaint against AHM as I can't be the only consumer having servicing problems with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX/XXXX Visa credit card : XXXX, XXXX/XXXX Visa credit card : XXXX is lost/stolen, and the charges on the accounts are fraudulent and unauthorized charges/transactions. My drivers license, social security card and other credit was stolen from mailbox. My local post offtce issued notification on mail thefts in my area.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: TX
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: NC
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:
Under 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 and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, and 164. 
XXXX XXXX XXXX, ( Reported to XXXX ) XXXX XXXX XXXX XXXX ( Reported to XXXX & XXXX ) XXXX XXXX, ( Reported to XXXX & XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Reported to XXXX ) XXXX XXXX XXXX XXXX these items have violated my rights.

In 15 U.S.C 1681, section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2022-04-22
Company: AMERICAN HONDA FINANCE CORP
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: Account information incorrect

Complaint:
XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : 1. AM HONDA FIN XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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: Account information incorrect

Complaint:
There are several items on my credit report that are incorrect and I have tried several times to get them corrected and it is still there. I have tried calling Experian to speak to someone and they do not answer the phone. The account for XXXX i have disputed many times and have spoken to acima they are stating they contacted experian and have reported this account as closed yet experian has not updated this after several requests made to them. There are also accounts on my credit report that are more than XXXX XXXX XXXX showing negative. ( XXXX and XXXX ). There are addresses on my account that I have requested be removed because they do not belong to me for example the one in Illinois I have provided police reports showing identity theft yet nothing has been done. There are also errors to my name and that has not been rectified either. I tried reaching out to experian but they do not answer their calls. This has affected me getting a home loan.

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 2019-06-17
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorneys at Law representing Suntrust bank Got a default judgement against me in court without serving me properly.The process server did not comply with Georgia Rules of Civil Procedure. concerning the summons A forbearance was offerd by the bank however the above law firm charged me approximately {$9000.00} plus another approximately {$400.00} in court costs. My interest rate went from 4 % to 8 % .Furthermore my principle was {$82000.00} @ 4 % interest is {$3300.00} not {$4900.00}. as the forbearance agreement states. I went from owing approximately {$83000.00} to XXXX for my home under this agreement. Under this agreement an additonal XXXX was tacked onto my principle which fits the definition of usary in Georgia.Section 7-4-18 of the Georgia Code contains a criminal usury statute which provides that no loan shall charge any rate of interest greater than five percent per month either directly or indirectly, by way of commission for advances, discount, exchange or by any contract, contrivance or devise whatsoever. In the event any loan violates this criminal usury statute, the lender forfeits all interest due on the loan but will still be able to collect the principal.

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