BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
I filed a complaint with CFB on XX/XX/XXXX # XXXX about a modification issue with Bank of America. Instead of them helping me with the issues of the modification since XX/XX/XXXX they have closed without warning my Bank of America Credit Card, they have suspended my Bank of America Line of Credit and they have reported me to the Credit Reporting Bureau damaging my XXXX credit score down to XXXX. This is after both XXXX XXXX and XXXX XXXX from Bank of America both told me back in XX/XX/XXXX/XX/XX/XXXX that while I was going through the modification process late or missed payments will not effect any of my accounts. I have also lost my credit for direct withdraw and after almost 2 months of working with XXXX XXXX BOA has not helped me but has made things worse

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 2023-10-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - school taxes due from escrow account for discounted rate XX/XX/XXXX - school taxes due for the face value XX/XX/XXXX - statement received in mail from tax collector that school taxes were not paid and there would be {$280.00} late fee for not being paid by XX/XX/XXXX and must be paid by XX/XX/XXXX XX/XX/XXXX - contacted mortgage company, New Rez, - apologized for not paying school taxes and would talk to a supervisor to expedite the process to have them paid by their due date XX/XX/XXXX- filed a complaint with NewRez, have only received a letter in the mail saying that they have received a complaint and are working to " gather the requested information and will forward it to you as soon as possible. '' XX/XX/XXXX - contacted tax collector - school taxes still have not been paid XX/XX/XXXX - contacted mortgage company and they said that the taxes were mailed on XX/XX/XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Supreme Lending
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I AM IN THE PROCESS OF A HOME PURCHASE AND APPLIED FOR A HOME LOAN WITH XXXX XXXX XXXX. I JUST RECEIVED A CALL FROM XXXX XXXX FROM SUPREME LENDING XXXX AND XXXX STATING THAT I NEEDED TO PROVIDE ALL MY INFORMATION AGAIN BECAUSE I WAS IN THE PROCESS OF FINANCING AND NEEDED TO VERIFY ALL DOCUMENTS AGAIN AND WOULD NOT CLOSE ON TIME IF I DID NOT PROVIDE. I INFORMED HIM I HAD ALREADY PROVIDED ALL TO MY LOAN OFFICER AND HE SAID YES BUT WE ARE STILL MISSING A LOT OF INFORMATION AND NEED TO PROVIDE MORE DOCUMENTS. AFTER I HANG UP I CALLED MY LOAN OFFICER FROM XXXX XXXX  NOT KNOWING THE OTHER PERSON WAS NOT FROM THE SAME COMPANY BUT RATHER HAD A SIMILAR NAME AND ALREADY GAVE HIM ALL MY INFORMATION OVER THE PHONE AGAIN IN ORDER TO AVOID DELAYS AS HE SAID. I HAVE BEEN A VICTIM OF FRAUD AND THIS PERSON XXXX XXXX FROM SUPREME LENDING NOW HAS ALL MY PERSONAL TO INCLUDE SOCIAL SECURITY, DOB AND WORK HISTORY. I COULD NOT FIND ANYTHING ON THE NATIONAL REGISTRY FOR XXXX XXXX SO HE MAY NOT EVEN BE REGISTER AS A LOAN OFFICER BUT HE SAID HE IS AND WORKS FOR SUPREME LENDING IN XXXX. SINCERELY XXXX AND 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 2022-12-18
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. 

Account name : XXXX. Account # XXXX Account name : XXXX Account # : XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX  XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX  Account # XXXX Account name : XXXX XXXX  XXXX Account # XXXX Account name XXXX XXXX Account XXXX XXXX Account name : XXXX  Account # XXXX Account name : XXXXt Account # XXXX Account name : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I arrived to XXXX XXXX for an vacation, when I arrived I unpacked and got an taxi to go to an ATM to get some cash out, but the driver had other ideas in mind. He took me to an empty building where they were other people there waiting and had guns with them, they told me to get out and give them everything I had on me, they took my phone, wallet and car keys, they asked for my passcode for my phone and ATM debit card pin, I gave them all of that. I assumes I would be let go but they followed me and force their way in my XXXX and stayed with me during my whole time in XXXX. Chase denied my claim because they stated that I didnt contact them as soon as my card and atm pin was stolen but the people that did that was with me the whole time and I couldnt possibly reach them. Second they said I shouldnt have gave them my pin, they basically told me I should have risk my life instead of my giving them my pin. And lastly they said there were no transactions after my card was closed but I told chase that the people was with me until I left back to the states so they will know when to stop using the atm card. Chase did not gather my full story, the reasons why they denied absolutely made no sense and chase approved one transaction that the robbers made an food delivery for XXXX $ but they didnt approve the XXXX $ Of atm transactions the robbers did in front of me. I felt chase only approved the lower amount because it was lower, Chase banking didnt protect me. They didnt care what happen to me. It was really disappointing and saddening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mother passed away XX/XX/XXXX. I am executor of her will. I sold her house on the XXXX XXXX of XX/XX/XXXX. All monies due to SLS loan servicing was given to them through my closing attorney. Specialized Loan Serving has started to call on the XXXX of XX/XX/XXXX saying additional money was owed. On the fifth of XXXX I sent them a wire transfer of XXXX to satisfy the underpayment to close out the loan. The very next week I received another call saying that I owed additional money because they held it for 10 days and XXXX per day I was being charged due to them holding the money. They have threatened me, harasses me and even asked to speak to my mother after being told she had died. I have received numerous phone calls and every one I have returned has stated that I owe more money. They sent me a letter saying I owed a penny, one cent and a bill which was for {$210.00} and change for the foreseeable future. They refuse to speak with my attorney. They continually harass me.

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 2020-12-28
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
I checked my credit report to find a late payment for my auto loan with Credit Acceptance. I called an spoke with one of there employee and informed them I have never been late on a payment. She stated you have been late and will not removed the negative mark off my credit. I also file a complaint with the credit bureau.

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 2023-04-10
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: Their investigation did not fix an error on your report

Complaint:
I have two accounts with XXXX XXXX XXXX XXXX showing on my credit report auto loan account # XXXX and unsecured loan # XXXX it has been over 7 years these accounts should be removed from my credit report. i have never been a member with this credit union and these loans are not minds.

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 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
On XX/XX/2019, I discussed loan refinance with a lender, XXXX XXXX. I gave the permission to pull my credit around XXXX. Less than hour later, I became inundated by unsolicited phone calls from other lenders or their representatives who obtained my information from the credit bureaus, ( XXXX, XXXX  and TransUnion ). They all claim that they are partners with these credit bureaus. 

I did not agree for my information to be shared with anyone! 

Who gave these people my phone number??? 

Why are credit agencies matching the credit inquiry with my phone number and giving to these other parties - I did not authorize that. 

I lost several hours of my time just handing the calls.

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 2022-10-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX WELLS Fargo violated Fair Credit Act by denying me personal loans for XXXX based on my credit score alone. This was confirmed on tape by representatives and manager they filed a complaint. I have explained that as a direct result of the FCA violation I was forced to apply to a sub prime pay dsy lender who fraudulently hacked into my account using loan app details they then called Wells Fargo Claims which made an instant refund of a claim already resolved. I reported to Wells Fargo Claims the credit was reversed and I now have XXXX Debit. 
I have asked Wells Fargo to allow me to repay over 12 months and they refuse to approve. Wells Fargo will simply debit my social security payment of XXXX by the amount of the overdraft in violation of the Fsir Debt Collection Practices Act

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 2019-04-02
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX I received a notice from Navient that my student loan payment would go from {$42.00} to {$880.00}. That amount is beyond my limit at this time. I am XXXX XXXX XXXX and my XXXX XXXX   amounts to {$2100.00}. I requested a graduated lower payment because i have an expensive car payment and high medical bills at this time. I will have these paid within the next 12 months. I have made repeated calls to Navient. On XX/XX/XXXX I was told that the amount could be reduced to {$570.00}. That amount is still too much. I could pay about half that much. Can you assist me in this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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.

has violated my rights. Or a list of inquiries : 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 2021-07-12
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a collection letter on XX/XX/2021 attempting to collect a debt of {$230.00} from CBB ( California Business Bureau , Inc. ), ( attached ) and replied with a with a personal dispute letter on XX/XX/2021 ( attached ) stating that I do not owe the debt and I was requesting supporting information. 30 days passed and I did not receive a reply nor was I contacted in any way. I was then contacted via telephone on XX/XX/2021, nearly 4 months later ( screenshot of call attached ) from XXXX XXXX XXXX , XXXX attempting to settle the same debt. I explained that this should not be a debt owed and that I had requested, in writing, the supporting information back in XXXX and never received anything from the agency and the service caller quickly hung up. Now, I have just received another collection letter from XXXX XXXX XXXX , XXXX with the opening line stating that the requested information is enclosed and it is only a statement of charges, not a breakdown of charges or any supporting information. I do not owe this debt and have been attempting to resolve this accordingly and these agencies are not following the legal protocol and are only using aggressive measures in an attempt to bully/harass me into paying this debt that I firmly deny. I would like to submit a formal complaint and have these two agencies held accountable for harassment and failure to collect a debt legally.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: WELLS FARGO & COMPANY
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2019 I tried to set up automatic payments with Wells Fargo XXXX XXXX to make timely payments and receive an interest rate reduction of .25 %. The primary route is to set this up online. When I click into " set up automatic payments '' I received the following error message : " ERROR You dont have any accounts that are eligible for this type of recurring payment in this view. To change your account view, go to Account Summary and make another selection from the drop-down menu. '' There are only two views to see " set up automatic payments ''. By clicking into  Account Summary and selecting : STUDENT LOAN ( the overall total loan balance ), or, by drilling down into a specific loan ( i.e STUDENT LOAN XXXX ). Regardless of the view, I was in, I was still running into the same error message. 

On XX/XX/XXXX, I spoke with multiple customer service representatives at Wells Fargo. I verified from the first customer service rep, that I was doing everything correctly, and they would then transfer me to someone who could set up automatic payments over the phone. Once transferred to a second customer service rep, and after explaining my situation, I was incorrectly transferred to the complaint department due to my frustration. I was then transferred back to a student loan customer service rep. This is now the 4th customer service rep I have spoken to. Again, I explained the situation. They apologized profusely as I was told they can not set up automatic payments over the phone and apologized that I'm not able to online. 

Consequently, I was told by the 4th customer service rep that I must manually fill out a form, that they would email to me, and fax it or take the form into a Wells Fargo branch and they would then fax it. I was told I can not email it back. 

It is XXXX and I am in my XXXX 's. I have never used fax, nor do I have readily available access to a fax. I'm not even sure where I could find one. This is an undue burden as Wells Fargo is making it unnecessarily difficult to set up automatic payments by which I would receive a .25 % interest rate loan reduction. 

I understand this is a small amount to a company like Wells Fargo ; however, over the lifetime of my large student loan, and others like me, this adds up to a significant amount of 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 2019-06-28
Company: Dynamic Recovery Solutions, LLC
State: MN
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 received a call on Tuesday, XX/XX/XXXX from a debt collection agency called Dynamic Recovery Solutions ( " DRS '' ) claiming that I owed several hundred dollars in credit card debt for a card open under XXXX XXXX. I explained that I have never opened a card with this bank and that the charges were fraudulent. This was the first time I had ever heard of these charges from any party, yet a debt collection agency was now attempting to make me pay for fraudulent charges that I had never been given a chance to collect. After the call with DRS, I immediately called XXXX to file a fraud alert on my credit score with the three major credit rating entities ( I was told that once one of  them is informed of a fraud alert, the others are also informed ). I then called XXXX XXXX to inquire about the charges. They stated I had no account open with them and no outstanding balance. I called DRS back to obtain more information, and then sent me a series of documents, including correspondence sent to an address that I have not lived at since XX/XX/XXXX, which is likely why I was just hearing about these charges for the first time. I also learned that the charges were actually through a XXXX XXXX XXXX issued in some kind of partnership with XXXX XXXX. On this second call, DRS stated that I should send them any documents related to my contesting of the charges. So, I then called XXXX XXXX XXXX XXXX   services, followed directions related to the nature of this issue, and received automated instructions to send my dispute in writing to a specific XXXX XXXX XXXX XXXX, FL ( the letter is attached to this complain ). Accordingly, that same day, I mailed a letter describing the nature of my dispute of the charges ( they are clearly fraudulent because I did not incur them ). On my second phone call with them, DRS also stated that I should send them any documents related to charges or filings with any authorities. That is why I am reaching out to the appropriate government agency. I did not incur these charges -- clearly someone illegally obtained my information and used it to incur these charges and I should not have to pay for them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

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 ; it also states a consumer reporting agency can not furnish a account without my instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Experian Information Solutions Inc.
State: NE
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  and Experian reporting as a balance is owed for The 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