BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am asking for a few minutes of your attention. Please. I am coming to you as my last hope of being heard. I am frustrated. I have looked for help in different places : HUD, FHA, CA-HOPE to name a few of those places, as soon as I started telling them that I needed help with my mortgage lender, who ended up selling the property at an auction sale. I can no longer continue when they tell me that everything is already lost. In pain I have already learned to live, in frustration I am afraid to live. 

It's not fair this, impotence, with sadness that I feel seems not to move anyone.. More empathy for each other. Please, all of us, in one way or another, share the same pain that covid left us. XXXX  took my father away from me, a little earlier I had lost my younger sister, the mourning process led me to a deep XXXX that prevented me from working and unfortunately I missed payments on my mortgage. in my vulnerability and ignorance it did not allow me to avoid being scammed by fake people promising to help me with the loan modification that I did not have to talk to the bank. They took money from me and made me waste my time. The bank started the foreclosure process with a sale date on XX/XX/2022 a few days before. I contacted the XXXX XXXXXXXX XXXX. They told me that they would stop the sale so that the bank would give me the opportunity to reach a settlement. 

I do not intend to get rid of my payments. I want the property returned to me. I am working. I can show that I can continue with the payments. I also applied for Mortgage Relief. It is pending. I need legal help as soon as possible to see everything from the sale of the property and review the loan contract. I feel that something is wrong with the contract because they started the loan with a 9.99 % interest rate for just one year. They raised the interest rate to 20.87 %, the rate they never mentioned to me when signing the contract. Today I only heard it say that I had already lost the property. I need help, please, somehow recover the property. I can show that I will not have problems with future payments, but the bank did not listen to me... Please help me with information, with a lawyer with something to help me. Do not ignore me. I beg you to help me. It is a plea for help. 




If someone speaks XXXX it would be better but if not, it's fine I can understand everything, because of my accent it's difficult for me. Thank you again.

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 2022-02-14
Company: BARCLAYS BANK DELAWARE
State: MI
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I am not swayed that XXXX has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both XXXX and the creditor. Make sure to explain the outcome of your investigation about this account with BARCLAYS BANK DELAWARE 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 2022-06-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Been being pacified by dealing with a front-line complaint processing agent and have requested to speak with higher levels of management to address my concerns and resolve my issues. Was advised call back from XXXX XXXX in the XXXX XXXX Iowa office over a week ago with no call back. I am now requesting to speak with XXXX XXXX Head of Wells Fargo Home Loans Servicing in the XXXX XXXX XXXX office. My concerns and requests are being discounted as they are out of the normal scope of business and outside the capabilities of those addressing my complaints - I want to have this addressed by someone that has the abilities to resolve my issues and my requests are being squashed and discriminatorily being considered because of my continued push to escalate and file complaints until resolved, which is also retaliation by the lender. I want to speak to the head of Wells Fargo lending about this situation and have my loan servicing provided by an ethical and reputable company, which is obviously not Wells Fargo.

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 2023-09-07
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a loan of {$2100.00} on XXXX, I had moved jobs and the new job fell through, the loan was used to pay rent while I found another job. 
I have paid back $ XXXX and to settle the loan today, they want $ XXXX, this is between 400 % and 500 % interest and can not possibly be legal. 

I have saved PDF copies of my transaction list from their website as I believe they do not supply this once you have settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: MI
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:
I have been disputed the accuracy and verification of a bankruptcy listed on my credit reports for over a year. The outcome always states that it has been verified either by the courts, or XXXX XXXX. I received a letter from the court stating that they do not verify Bankruptcies, and XXXX XXXX  has been frozen since XX/XX/2023, and I submitted my disputes in XX/XX/2023. 

I also received emails to verify my identity in order to stall my dispute... However on XX/XX/2023 when I mailed off my disputes I included my lease and My Drivers License. That would mean that they never even looked at my letters and completed a proper and fair investigation. 

In accordance with the Fair Credit Reporting Act. 15 U.S.C. 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Public Record U.S. BK CT - EAST Dist. MIC. XXXX Has violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We have a business credit card with Goldman Sachs. We pay our statement balance every month. I come to find out that they take our payment process it clear our bank account and 2 days later charge us a {$140.00} interest on {$12000.00}. This seems like absolute fraud all the way!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Over the course of banking with XXXX since XXXX I received NUMEROUS overdraft fees that I shouldnt have because of how they process pending charges and deposits etc. {$39.00} a fee is ridiculous and I can only ever get a partial reimbursement AND only have some many granted per year. I lost HUNDREDS if not thousands of dollars to 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 2022-02-14
Company: Experian Information Solutions Inc.
State: WI
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:
Credit bureaus did not complete a full investigation. Did not removed errors off credit reports.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 2023-07-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
Company: AMERICAN EXPRESS COMPANY
State: WA
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:
On XX/XX/2021, Amex removed a credit balance from one of my credit cards for {$100.00}. When I asked about where this money went, they said Id received a check. Over 2 months later, I still do not have a check in the mail from them. Ive asked 5 times about where it is. 2 times they said theyd issue a new payment. I even gave them my bank details so that they could wire the payment to me. They still have not done so! At this point, their mishandling is blatant theft and utter disregard for my missing funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27
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:
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. 
Inquiry Name : 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 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 explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 called the credit reporting agencies and let them know the inquiries in the document included below are not supposed to be visible on my consumer report, I never gave them written consent to report 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 2022-06-02
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Last year, on XX/XX/2021 I received an early morning notification from XXXX Bank that a transaction occurred of over XXXX to XXXX. They asked me if I had done the transaction and I replied back " No ''. The card was frozen and I was issued a different card. The representative on the phone explained I would have to call the bank on Monday morning which I did to discover over XXXX unauthorized transactions occurred from the information on my bank account information. I called the police and they issued me a case number XXXX XX/XX/2021 number is XXXX. A XXXX report was issued XXXX XX/XX/2021 at XXXX PM XXXX because of the high number of transactions. This is the case number they issued to me. 
XXXX. The person involved in the theft is XXXX XXXX who did over XXXX transactions and spent almost XXXX at the XXXX XXXX XXXX and the purchase of some XXXX programs. Even though I told XXXX I did not authorize these transactions they paid them anyway out of my bank account. Despite all of this information given to the XXXX Bank , they sent me a letter proclaiming they found no fraud. I did notify them within the 60 days yet they refused to credit my bank account with the fraudulent transactions. Now, I got a notification from them yesterday somebody used my credit card information to send XXXX money through XXXX. I told them " no '' I didn't authorize this information so here I am again with the Huntington Bank allowing fraudulent transactions to happen when I told them " NO '' I didn't authorize the payments. I'm so frustrated and disgusted with this Banking XXXX that blames the customer rather than the criminal. and wondering if Huntington National Bank is going to pay for this theft again out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 would like for you to assist me in removing this bankruptcy from my credit report. I never filed for XXXX and this is not mine

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 2022-06-02
Company: Experian Information Solutions Inc.
State: NJ
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:
In short, Experian just told me they don't require any proof of debt whatsoever in order for a company to put a collection in your credit file, and all they have to do to counter a dispute is to say it's real. 

I have a collection regarding some random company I've never heard of and I've been unable to reach the collection agency, so I filed a dispute with Experian ( for some reason they are the only agency that is reporting it ). 

In the end, they said the collection agency said it was legitimate but when I inquired with Experian as to what proof they had sent, they responded with 'the proof resides at the collection agency- they just responded with a confirmation that the debt is accurate '. 

This is literally insane - what they basically told me is that anyone could send them a collection, accurate or otherwise, and they just ding your credit without any actual documentation or proof, and if one disputes it all the company has to do is say 'it 's legitimate '.

This can not possibly be in the spirit of the mechanism the agencies agreed to as the burden of proof simply doesn't exist at any step in the process. How is it that this is even remotely acceptable, let alone legal?

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 2022-06-02
Company: Experian Information Solutions Inc.
State: MS
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, My name is XXXX XXXX I reached out to Experian and XXXX on XX/XX/2022 and it is now XX/XX/2022. I haven't received any information pertaining to my disputes of delinquent accounts on my credit report that do not belong there. Its been way over 30 days in which I have received a response in which they continue to have a XXXX card account and a XXXX unsecured loan that does not pertain to me or have the bureaus provided evidence on how these accounts are mine which is severely hurting my credit. I need the CFPB help in holding these bureaus accountable in which they are furnishing information on my credit report without my consent violating USC Laws, and FCRA violations in which I haven't received a response with 30 days pertaining to 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 non-monetary relief
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, 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 is XXXX XXXX and I am submitting this CFPB Complaint to inform you that you have failed to comply with the Fear Credit Reporting Act and continued reporting the disputed accounts without proper verification. You sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. I proceeded to access my consumer report via the XXXX XXXX XXXX website and made copies of the information pertaining to : 1. XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} 2. XXXX XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX XXXX XXXX : {$10000.00}. Under the 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. While the correspondence that was sent by the Credit Bureaus indicates the accounts were previously investigated, it does NOT however state whether the dispute was determined to be frivolous or irrelevant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report The 3 credit bureaus must validate this account : XXXX XXXX Balance : {$0.00}

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 non-monetary relief