BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: WESTERN ALLIANCE BANCORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed a complaint to Western Alliance Bank, who claimed to be the investor and loan servicing of all my three loans and thus the loan mitigation application is approved based on the guideline of Western Alliance Bank. This statement is incorrect because I signed deed of trust of the the loan backed by XXXX XXXX ( see attached notarized deed of trusts for all three loans ). When the loan were sold and/ or transferred multiple times throughout the life of the loan, the loan terms and guidelines stays the same as shown of the deed of trust for the loans. I did not sign any loan note/ deed of trust with Western Alliance and therefore these is backed by XXXX XXXX and any events occurred on the loans will follow XXXX XXXX XXXX guidelines, not Western Alliance Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The company is Wells Fargo Bank N.A. 
My husband had a savings, checking and a safety deposit box. After my husband passed away, I contacted Wells Fargo to take care of his accounts. On XX/XX/2022, XXXX XXXX said I needed to wait 40 days to close his accounts and retrieve the property from his safety deposit box informed me. 

On XX/XX/2022 - I called and spoke to XXXX XXXX, she informed me that Wells Fargo had drilled the safety deposit box in error, on XX/XX/2022, because she grabbed the wrong paperwork from her desk. She informed me there were five people in the area where the safety deposit boxes are located. My response, WHAT my box was drilled in error? 

On XX/XX/2022, I had a scheduled meeting at Wells Fargo and met with XXXX XXXX ( the bank manager was off that day, so XXXX was filling in ). XXXX requested help from XXXX XXXX. 

During this meeting, XXXX informed me that the safety deposit box was drilled because of " maintenance '' and that they drilled my safety deposit box by mistake, " mistakes happen '', as she and XXXX XXXX kept saying. XXXX told me that there was " dual control '' ( Wells Fargo employees : XXXX XXXX, XXXX XXXX, and the driller from XXXX ) while the safety deposit boxes were being drilled. Once they realized the wrong safety deposit box was drilled, they followed the procedures to inventory the property. 

I was told two different stories of why my safety deposit box was drilled, which is the true story? How it is, two Wells Fargo employees are tasked to identify the safety deposit boxes to be drilled, and they both failed? 

Once they closed all the accounts, I asked for a refund for the entire year. XXXX and XXXX both said I would get a full refund, this did not happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Harris and Harris collection agency for medical. They call everyday sometimes every 30 min to one hour. They call after XXXX or XXXX and all day on Sundays. 
I have tons of voicemails and call logs where they call different numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: MicroBilt / PRBC (formerly CL Verify)
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX  ) and PRBC are in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. Without my written consent XXXX XXXX XXXX XXXX XXXX XXXX and PRBC unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX DIVISION OF CHILD SUPPORT, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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: Investigation took more than 30 days

Complaint:
Submitted all necessary paperwork for fraudulent inquiries to be removed over 30 days ago with no correspondence. Recently called Transunion and a rep in the Fraud Department says that she will not investigate or remove anything and hung up in my face.

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 2022-11-18
Company: EQUIFAX, INC.
State: CO
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 account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c. 1681 Account name XXXX XXXX XXXX XXXX Account number # XXXX Account name # XXXX XXXX  Account number # XXXX Account name # XXXX XXXX XXXX  Account number XXXX XXXX XXXXXXXX Account name # XXXX XXXX XXXX Account number # XXXX XXXXXXXX Has violated my rights. 
15 u.s.c. 1681 section 602 ( A ). state I have the right to privacy.

15 u.s.c. 1681 section 604 ( A ) 2 : IT also state a consumer reporting agency can not furnish a account with out my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) Section State no consumer reporting agency may make any consumer report containing.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness. Impartiality, and respect for consumer right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c. 1681 Account name XXXX XXXX XXXX XXXX  Account number # XXXX Account name XXXX XXXX XXXX Account number # XXXX Account name XXXX XXXX XXXX XXXX Account number # XXXX  XXXX Account name # XXXX XXXX XXXX  Account number XXXX XXXX XXXXXXXX Has violated my rights. 
15 u.s.c. 1681 section 602 ( A ). state I have the right to privacy.

15 u.s.c. 1681 section 604 ( A ) 2 : IT also state a consumer reporting agency can not furnish a account with out my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) Section State no consumer reporting agency may make any consumer report containing.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness. Impartiality, and respect for consumer right to privacy.

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 2023-05-15
Company: Bridgecrest Acceptance Corporation
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:
My name is XXXX XXXX and I was a co-signer for for my sister XXXX XXXX on a XXXX XXXX XXXX ( loan company Bridgecrest ). During the Covid pandemic in XXXX my sister lost her job and was not able to make the payment on time every month so it went into collections. My sister was able to land a new job and pay off the past due balance XX/XX/XXXX and have been paying on time every month since then. Our credit report is showing that the account is closed with a repo. We have tried to get this issue resolved with all 3 credit bureaus and Bridgecrest but apparently the status is accurate. The vehicle was never repossessed. Attached is the agreement that bridgecrest made with my sister as well as the most recent payments we have records of more if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: WELLS FARGO & COMPANY
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 a loan with XXXX  XXXX XXXX and WELLS FARGO BANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX  XXXX XXXX and WELLS FARGO BANK with no successful resolution. There was definitely an error on their part.

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 2023-01-02
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-03-30
Company: CREDIT ACCEPTANCE CORPORATION
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, I filed Chapter XXXX bankruptcy. As a result, I was allowed to maintain possession of my assets which included a vehicle financed through Credit Acceptance. The payment agreement for the bankruptcy was wage garnishment, but unfortunately I was laid off due to medical reasons and I could no longer maintain the payments so my bankruptcy was dismissed. Shortly thereafter, Credit Acceptance began pursuing me for payments. I explained that the vehicle was broken, it had been towed and I was not able to pay so I offered to voluntarily surrender the vehicle which Credit Acceptance declined so the vehicle remained in tow storage which accumulated more debt. 

As you can see Credit Acceptance failed to properly report the loan to the three bureaus at the time the loan was acquired in XXXX. It wasnt until XX/XX/XXXX that they began reporting the vehicle as 120 days late, XX/XX/XXXX - XX/XX/XXXX it was reported 90 days, XX/XX/XXXX - XX/XX/XXXX 90 days late and finally in XX/XX/XXXX it was reported as a collection account. The conflicting and erroneous information during this time frame was date of last activity was reported as XX/XX/XXXX to XXXX   and XX/XX/XXXX to XXXX. No date was provided to XXXX. However, the opening date was reported as XXXX XX/XX/XXXX to XXXX, but it was reported as XXXX XX/XX/XXXX to XXXX  and XXXX. 

Considering this, I started an investigation disputing inaccurate information begin reported for the account. Neither verification nor validation documents were provided. Instead, the account was permanently removed from XXXX. It was also removed from XXXX and XXXX, but returned a short time later without any form of communication from Credit Acceptance. I continued to dispute the account through XXXX, but I still did not receive any correspondence from Credit Acceptance. Once again, the account was deleted from XXXX and XXXX, but returned this time as a charge off. It is no longer being reported to XXXX. 

More recently out of nowhere on XXXX XX/XX/XXXX the comments were updated from collection account affected by natural disaster Chapter XXXX bankruptcy dismissed fixed rate to collection account auto Chapter XXXX bankruptcy dismissed fixed rate. This vehicle was never affected in a natural disaster. Additionally, after being contacted by XXXX  XXXX  in reference to verifying the account as charged off, Credit Acceptance changed the status of the account from Closed, Charge Off, Collection to Open 120 days late XX/XX/XXXX - XX/XX/XXXX. Today my credit report was updated and Credit Acceptance conveniently changed the account again this time only with XXXX  to show 90 days late XX/XX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an account and was denied, pursuant 12 cfr 1002.4 discrimination was the reason I was unlawfully denied. 15 us code 1611 its illegal to deny us credit as credit is our right. 15 us code 1691 a, and ucc3-302 I should never be treated so inhumane I have been discriminated against, lied and my rights infringed upon. Reporting this to my credit report without my consent is illegal as well. UCC 1-308 15 USC 1681 Consumer Protection.15JUS1602G We are the Creditors, Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

All Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: CITIBANK, N.A.
State: MI
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 trying to get approved for a mortgage. Citibank is reporting on XXXX   my ex-husbands credit card. XXXX  and XXXX  do not have it on their report. It was supposed to be removed about a year ago, I do not have the exact date. We have both tried to get it fixed and Citibank has hung up on me and basically told me too bad. I have our divorce decree and it states I am not responsible for his debt. All I need is a letter from Citibank stating I was removed, however they wont give that to either of us. I would like this resolved sooner than later or I might end up homeless as I cant even get approved for an apartment with the score this is making me have.

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 2023-08-23
Company: Alliant Capital Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got an email from this company stating. I entered a payment arrangement when I have never spoken with anyone from this company. I have had them call family members I do not have ir had communication with in years and now is causing family issues. 
This is the person who sent the email. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}

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
Consumer complaint received 2020-03-30
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a threatening letter from First Point Collection Resources Inc to put a debit in the amount of XXXX on my credit report I didnt recognize, this debit had already been removed from the original collection agency as I had also requested validation for the debit that they couldnt provide. I then sent the same Debt Validation Letter to First Point Collection on XX/XX/XXXX, they received the letter on XX/XX/XXXX. The letter requested. 
Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

I received a letter back from the company on XX/XX/XXXX and none of the requested documentation was in the letter. Included in the letter was a print out from a website, that include my name & the account in which they are saying is mine and the charges. This letter doesnt include a letter head or anything on where its coming from so for all I know they could had made this letter in they office. I then called and spoke to a man who stated that is all they had to provide to me to show validation, I let him know that a lawyer would be in contact due to the fact the requested documentation wasnt received and the debt validation stated Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. The agent became very disrespectful after he stated he couldnt continue the call with the lawyer & disconnected the line when I continued to question why I wasnt allowed to have this information if they are saying this is my debit.

Company response to consumer: Closed with explanation