BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a checking account with Fifth Third ( XXXX ) bank and XXXX XXXX XXXX ( XXXX ). I wanted to make a transfer from XXXX account to XXXX. I used XXXX bank 's online banking from desktop/browser to add my XXXX checking account and than initiated a transfer for {$250.00} on XX/XX/2018. While I was making the transfer none of the screens in online banking showed that there will be a {$3.00} service charge to use the service. After I submitted the transfer, I got an email on XX/XX/2018 that the transfer is complete even this did NOT mention that there will a {$3.00} charge. I got to know about the charge only when I checked my account statement, it debited {$250.00} for a {$250.00} transfer I made. I called the customer service and they said that there is nothing they can do as it is not a reversible fees. 

This is very bad experience and day light robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting 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. 

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 2021-06-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I entered into a COVID-19 forbearance agreement with my lender ( XXXX XXXX ) due to hardship experienced during the COVID-19 pandemic. I lost my job due to COVID-19 and could not afford to make payments at that time. I asked my lender repeatedly if this will have a negative affect on my credit score and they repeatedly said NO. At the end of my forbearance period, I made a FULL payment towards the loan and a few months later I sold the house and paid the mortgage in FULL. Now I am learning that the mortgage company lied to me and they DID in fact report all missed payment on my credit report. That was NOT what we agreed to at the time. I have tried to contact them but they are being unresponsive. 

Attached is a letter I received showing that the mortgage has been paid off in full. 

XXXX XXXX lied to me and this negatively affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a complaint about Wells Fargo losing my paper work back in XXXX while trying to go through a remodification due to Covid it took my Filing a Complaint with the CFPB and calling Wells Fargo 3x week for 3 months to get anyone at Wells Fargo to help. It took till XXXX for someone at Wells Fargo Headquarters to admit someone made a coding error while filing my paper workback in XXXX and no one knew where my info was, now at the end of XXXX I receive my documents in the mail that need to be notarized ( which they have set up a company to come to me ) and sent back but now they expect a payment from me by XX/XX/XXXX. Documents are not even scheduled to be notarized till XX/XX/XXXX. Wells Fargo has made so many mistakes with this process that it is ridiculous. Expecting payment from me within 24hrs of documents being signed is not expectable. I would like help from the CFPB with my rights on this situation.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A

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 2023-01-16
Company: CCS Financial Services, Inc.
State: NY
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 no knowledge of this account. There are XXXX alleged collection accounts on my credit reports, XXXX, XXXX, and XXXX from the same debtor form XXXX different mounts owed. I am unaware of either debt and want to dispute these collection accounts. I contacted both the debt collectors and all XXXX  credit bureaus and have not gotten a response from no one. I also sent in another dispute today as a result of not hearing back the first time. I am now escalating the issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I tried closing my PayPal account but the " Close My Account '' link on the account page was a dead end ( I have screenshots ). I then tried closing it via the " Delete Your Data / Close Your Account '' link on the data page. I then received a message informing me that PayPal usually responds to REQUESTS for account cancelation within XXXX XXXX. I should not have to ask permission to close my account, much less wait XXXX XXXX  or more for a response. I also believe the misleading dead links are an attempt to keep their stock from continuing to crash this XXXX, as many people are closing their PayPal accounts, which makes this not only a consumer issue but a securities and exchange issue, or so I would imagine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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:
XXXX mortgage services XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have checking and savings accounts with BMO Harris, which I rarely interact with. Had around $ XXXX {$700.00} balance in both accounts combined. My accounts were no maintenance fee accounts. Hence, I was not concerned with putting more money in the account. BMO Harris decided to add a minimum balance requirement and change the fee structure of the accounts and started charging me monthly maintenance fees without due notification. I was told that it was disclosed as a statement message. I decided to close my accounts. I called multiple times to BMO Harris and tried to close my accounts - they closed my checking account with one representative warning me that the account will be closed but might reopen on its own if a transaction posts to the account and would result in overdraft fees which I will be liable to pay. To which I asked the representative to make sure no transaction posts/decline all transactions - I was told that it can not be done, I am responsible to make sure no transaction can post to the account.

My savings accounts with a balance of around {$300.00} was not closed, and then, I realized there was a debit transaction equal to balance, that made the account balance XXXX. When I called for asking what this transaction was, I was told I failed verification, I was told they sent me a text to my mobile phone for verification, which I never received. I asked the them to resend the text, which they declined saying its a one time thing regardless of why the text message could have failed to deliver. Now I am being asked to go to a notary and get my id verified. I can not expose myself to COVID trying to get my id notarized.

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 2021-09-13
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Suttell and Hammer, APC filed lawsuit claiming to represent XXXX  XXXX XXXX for alleged credit card debt, however they are not cooperating by ignoring discovery rules, not filing mandatory forms, allowed XXXX XXXX XXXX, unknown attorney and possibly a newly appointed judge appear at initial trial conference XX/XX/XXXX and ask for a non jury trial. The court set the trial date with this attorney who did not sign the complaint, is not employed by this firm, in fact is sole proprietor of her own law firm. Certain documents I mailed in a month ago werent posted by court clerk until I sent 4th sets with confirmation signature, court rules are clear. Before a trial is set theres a list of things required. I had car trouble that morning car wouldnt start so I missed the hearing, however the judge had a choice to excuse parties from appearing and utilize the mandatory trial conference form instead. The court rules say its mandatory however the opposing attorney did not file one. He filed an at-issue memo instead. Mandatory due to Covid form is required plus he wasnt there. This firm has been suspected of running a sophisticated scam by working with XXXX and XXXX XXXX collection agency to produce old debt in high volumes to use the courts to get judgements to collect money with proving the debt is owed by consumer. XXXX complaints signed by robo signers never signed by attorney or even looked at by attorneys. They lie claiming they are retained by XXXX  XXXX XXXX. The fact that they are attorneys the consumer assumes or is under the impression they cant win, and dont answer the complaint. Well I did answer but how a court grants a trial based on no discovery no contract agreement with my signature not even a bank statement!?? Is beyond me plus to an attorney not a party to lawsuit. Im being denied due process of Law. Substantive. Plus Im judgement proof and attorney was sent proof. He knows I do not have anything but social security benefits, no property, assets, retirement no XXXX savings nothing. He knows I have been permanently XXXX since XX/XX/XXXX yet hes clearly planning to take my government SSDI benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: TRIAD FINANCIAL SERVICES, INC.
State: IN
Product: Mortgage
Sub-product: Manufactured home loan
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
CFPB XXXX  XXXX This is in response to my first complaint and response from the company. I received a refund of {$1500.00} from the overpaid taxes. I went back to the Triad website to make a mortgage payment and they still show me owing taxes of {$300.00} and have not adjusted my account to reflect my mortgage payment. I called XXXX XXXX XXXX XXXX XXXX that was on their reply and I have called her to correct this tax rate error. I have called her several times and she has yet to return my calls. Her number is XXXX ext XXXX. I went up to the XXXX XXXX XXXXXXXX XXXX XXXXXXXX and they walked me down to the county auditors office and he looked at my title of my mobile home and figured the taxes for 2023 from the amount I am paying on this mobile home and his figure is : with homestead {$670.00} a year, without homestead {$1300.00} a year. That means my monthly pymt for taxes would be {$56.00} a month and Triad is charging me {$300.00} a month. My mobile home has not been assessed yet, so I don't know where they are getting this tax rate from, but I don't live in California. I have a single wide mobile home. I am not going to pay these taxes and they are not going to adjust anything until they get something from XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We contacted our mortgage company, Select Portfolio Services, on XXXX XXXX XXXX. We asked to begin a loan retention. They agreed to help us with that. We emailed every documentation they asked for and filled out every form. They have yet to complete the process for us, stating its the underwriters fault and another companies fault. Its going on six months now. I call them all the time for help regarding this issue. I still pay them most of our monthly payment every month. I have not missed a month. I never speak to my specialist assigned to me, ( which has changed three times ). Its always a customer service operator. I have asked to speak to supervisors and have spoke to two different ones that have promised to escalate our retention as priority. This has not worked. All Im asking for is to lower the monthly payment from {$1900.00} to {$1400.00} a month. {$1400.00} is what Ive been paying since XXXX, every month. My documents clearly show that is all I can afford.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have put my report on freeze and fraud alert.. the company still keeps adding and allowing hard inquiries, that I did not authorize. I told them a thousand times I was victim of identity theft. Yet they keep passing my report around illegally. They refuse to properly investigate all my disputes, that should not be on my report. And they refuse to require all information in closed accounts, therefore reporting negative information illegally. I have disputed all accounts and said all detail information about accounts must be presented,. They refuse to delete accounts. I have been disputing the inquiries and negative accounts for years. Only to be ignored, they ignore my need for credit freeze and fraud alerts. I want to take highest action against this company, they only hurt people 's life 's and should be disappointed to the highest degree.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: NY
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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 my dwelling sustained damage that is currently questionable whether the dwelling is a total loss. My Fire department, my insurance company, my mortgage company are all issues due to the lack of information and an insurance company/adjuster who, in my opinion, has taken many actions that lack reason or truth. The biggest concern is violations in accessing my mortgage account, transactions done without my knowledge or consent, that have left the mortgage unpaid and serviced and the insurance adjuster unwilling to track the payments made that were never received by the mortgage company despite the check wire transfer deposited into a law firm trust account without the endorsement of the mortgage company , the public adjuster or myself. The original check paid toward the loss exceeded the amount owed. The original check was never made known to me by the adjuster of the insurance company and I was denied access to the funds or ability to pay the loss and has placed a burden upon myself that due to the belligerence of the insurance companies has resulted default on credit cards, multiple late charges and forcing me to pay a mortgage that should have been paid and attacks and illegal activity to myself and ability to handle my health issues, safety, security, credit, credit accounts, ability to pay bills. Furthermore, it has led to 3 wrongful attempts of " recovery '' to my property, 9 transactions to my mortgage account without my knowledge or consent that took considerable funds after paid, despite my asking for fraud alert, and lockdown of that account. It has also denied my ability to sell the property and I feel threatened and my rights denied and mortgage company has failed to recover my funds that were taken after a payoff request made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX XXXX Currently have some fraudulent accounts appearing on my credit report.

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 2019-06-21
Company: Experian Information Solutions Inc.
State: HI
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 puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report..XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Department of Education/XXXX  opened XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX have all been refinanced but showing inaccurate payment history and should be deleted after 7 years off my file since the account is closed. If the closed account includes negative information that's older than seven years and I would like it removed from my credit report.

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 2023-01-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation