BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Friday XX/XX/XXXX XXXX name is Fracklin XXXX and XXXX address XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX I Living in this adresse since 22 years, since I bought my house I never paid my mortgage late, and I'am the XXXX paid my home owner insurance, my property tax also, in XXXX XXXX received an notice from Wells Fargo bank told me I owe d them XXXX XXXX dollars with out detail, and they added XXXX in my regular monthly payment that I suppose to paid every month XXXX dollars now they charged me XXXX XXXX dollars and they never gave me details to tell me why and my mortgage balance is XXXX. I'm the one who pays my tax and insurance and when I called them they told me if I put a deposit in my scrow account for XXXX dollars they will put my mortgage back at the regular price and I did when I call them again to talk to them, they still remained that amount in my account and they never gave me details on why they charged me XXXX and I requested them to close my scrow account, they refused. I need you guys to help me review my account with them and I made the deposit of XXXX dollars for them on Monday XX/XX/2022 the check number is # XXXX. Feel free to get back to me at XXXX or XXXX. And XXXX of 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 2023-04-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been a XXXX XXXXXXXX in Indiana for XXXX years. I have been making payments on my loans with FedLoan Servicing ( www.myfedloan.org ) for most of that time, with some period of time deferred because I went to complete a XXXX XXXX XXXX so it can assist me with my profession and improve services to the public. 

After completing my XXXX XXXX program, my deferment period was misrepresented to me by the servicer which resulted in damages to my credit. Additionally when I began to inquire about how many payments I have made towards my XXXX  ( XXXX XXXX XXXX XXXX ) program, the agent laughed at me stating I still had another 10 years of payments to make. He stated that I was either in the wrong repayment plan, or some other convoluted explanation. I spoke with several reps even after they damaged my credit for non-payment during what I assumed was a grace period because I had an extra semester of classes to complete. Since I wasn't " Full time '' they tell me after-the-fact that this occurred and I was penalized for non-payment when I assumed it was deferred since I was still in classes for my master 's program. I disputed it with the credit bureaus and it took them ( fed loan ) nearly 12 months to respond, and the end result was the same and the damage to my credit remained for 7 years. It has finally dropped off my history and I have excellent credit again, but it was 7 years of XXXX. On top of being lied to, laughed at, and now looking at my repayment plan, I now see that I still have MANY YEARS of repayment left on my loans to qualify for forgiveness. When you figure in their deceptive " capitalized interest during forbearance '' practices or the fact that my repayment plan allocates the whole payment towards interest, my principal balance remains relatively unchanged in 16 years. 

XXXX 


These companies have evolved into financial GIANTS for a reason. It wasn't because of their honest practices. Now I am just making XXXX  payments to corporate executives. We all are. 


Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Fraudulent credit card applied under my profile. Received a letter from XXXXXXXX XXXX XXXX thanking me for opening up XXXX XXXX Account XXXX. I contacted and they couldn't close the account but also told me a Bank of America application was processed as well.

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 2023-02-01
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:
Wells Fargo was incorrectly charging my account, upon requesting funds to be reimbursed I was denied, I then attempted to close out my account, they would not pay me the balance I had in my checking account due. They closed my account and kept my 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 2023-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I renewed my CD XXXX XXXX XXXX XXXX over the telephone on XX/XX/XXXX. 

This was to Bank of America, I spoke with XXXX. 
I was told the CD would be sent to me to arrive in 7 -10 days. 

XXXX XXXX called on XX/XX/XXXX and spoke with XXXX He said i would get the CD for sure - conf # XXXX. 

What I got a few days later was an envelope stuffed with booklets about how BoA handles my account, etc. But no CD - the very thing I asked for. 

Every other bank has no problem with sending a copy of a CD- why won't BoA do it. 

Please help me get a copy of my renewed CD. Thank you.

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 2021-07-09
Company: Federal Adjustment Bureau, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was charged from a apartment complex because I broke the lease. The maintenance man was XXXX/ coming in the apartment on my wife. My wife paid Fabco off in late XXXX early 2016 they never gave us a receipt for anything. Now it is on my credit saying we owe {$290.00} but when my wife called they said we owe {$190.00} and said we never paid this debt off. They were horrible to work with to pay it off in the first place. The amounts showing on my credit are not correct and not the same as they say we even owed total. They are saying my wife called in in 2016 and said we were not paying them anymore, which is not true. What we are being told over the phone is incorrect and nothing matches up. Also was told I could not talk to anyone else because every single person was on vacation. Debt on credit says {$790.00}, over the phone they said it was around {$600.00} and we paid {$500.00}. Credit states we owe {$290.00} but Fabco says we owe $ XXXX.This debt has been paid and needs to be removed for my credit.

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 2023-04-13
Company: Atlantic Recovery Solutions LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On several occasions in XXXX of 2023 I got a call from XXXX from XXXX. I tried calling the number provided but it was out of order, the voicemail was intelligible and I had several family members call me and tell me that they have received multiple calls from this agency. 

I did get a hold of this person but their system was down and could not verify my information or the debt issuer. I told them they contacted my family and they denied this even though they retained voicemail regarding my debt thinking my mother and sister were both my spouse. 

I told them to cease calling my family and the individual denied ever calling them. I also requested to verify the debt and they could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Credit Service Company, INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/21 Credit Service company Inc reported inaccurate false information on my credit file to XXXX with several amounts {$980.00} {$600.00} {$240.00} and {$76.00} they reported inaccurate false information was on XX/XX/21 to XXXX several different amounts as well ... {$960.00} {$600.00} {$75.00} and {$230.00}. Also, XXXX on XX/XX/21 reported {$980.00}, {$77.00} and {$620.00}, failing to validate this debt. I have not Ever conducted business with this company whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For about 4 years {$150.00} had been transferred via allotment on my LES to Bank of America. I called to try to find the account and was told the account doesnt exist yet the routing number is for Bank of America. I have called ever department including XXXX  and havent been able to find the account. Over {$7000.00} is unaccounted for.

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 2023-01-30
Company: Bridgecrest Acceptance Corporation
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XXXX XXXX I was approved for a loan and received a used vehicle from XXXX. 
That day I was asked to sign a XXXX XXXX of Attorney and few forms for the delivery agent for registration and other processes needed to be completed by XXXX before she could leave the automobile, which I politely accepted. I signed the forms and the agent accepted the forms and left the property. 
On XX/XX/2022 I received an email from XXXX XXXX ( Title and Registration Specialist 1 ) [ emails attached ] informing me that they really wish to proceed with registration, which was confusing because I had already signed it. 
She then instructed me to sign my signature a certain way to satisfy her. 

XXXX XXXX told me to : -Sign my name how I signed it on my drivers license. 
[ proof of drivers license signature attached ] -Get Both Documents Notarized. [ proof attached ] -Send both original documents with wet signatures on them ( not copies ) I was unaware that XXXX XXXX XXXX XXXX or any person could tell me how to sign my name. 
When I signed I made a full reservation of rights. AS PER UCC 1 - 308 [ Documented proof attached of events to follow ] On XXXX XXXX I sent a NOTICE OF DISPUTE and affidavit for verification and validation of the debt. 
A letter dated XXXX XXXX which purported their inability to verify and validate the debt owed. 
[ proof of mailing attached ] Again on XXXX XXXX I made another attempt and sent BRIDGECREST another NOTICE OF DISPUTE, which again, BRIDGECREST ignored and did not respond and did not verify or validate the debt. 
[ proof of mailing attached ] On XX/XX/2022 I sent a DEBT VALIDATION LETTER. [ proof of mailing attached ] I received a response via XXXX, which in the re : correspondence received on XXXX XXXX was infact incorrect and a response that BRIDGECREST WOULD remove me from a DO NOT CALL LIST and not a verification and validation of debt. 
[ response attached ] On XX/XX/2022 I sent a NOTICE OF NONCOMPLIANCE and again gave BRIDGECREST another opportunity to verify and validate the debt. [ proof of maling attached ] On XX/XX/2022 I received a letter from BRIDGECREST stating they were unable to process the request.

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 2023-11-17
Company: EQUIFAX, INC.
State: MD
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 HAVE CONTACTED EQUIFAX ABOUT FRAUDULENT ACCOUNTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX. I HAVE SUBMITTED FTC REPORTS ALONG WITH MY IDENTIFICATION, UTILITY BILL, AND SOCIAL SECURITY CARD. EQUIFAX HAS YET TO REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CONSUMER FILE. I HAVE CALLED AND REQUESTED FOR THIS INFORMATION TO BE REMOVED. I WILL BE UPLOADING DOCUMENTATION AS PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Second Round Limited Partnership, Austin, TX Branch
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This complaint is a follow up to my previous complaint about this same company. This time I am going against them and their lawyers who have discriminated against me, have hung up on my calls, have denied me options for payment agreements and have affected the well-being of my family. 
I am an American citizen and as such I believe that I have rights that they have not fulfilled. 
In response to my previous complaint, they say that they have no information on any lien against me and that they have not collected any money. Lie! I have called them reading their response where they say that they will not take any further action on my account until I get my job back due to the financial hardship I am going through. 
On XX/XX/2022 my bank XXXX XXXX XXXX XXXX withheld {$490.00} by order of them, I call the bank at XXXX XXXX department and they tell me that they have the funds withheld but that they can not make a refund until they send a letter ordering it. In the calls they have told me that they have not received notification from the bank about the withheld funds ( my bank says yes ) and they say that they will continue to take action on my account to collect the debt. 
Every time I call and an associate checks my case they hang up on me. This is clearly a bad practice and discrimination because I am trying to reach an agreement with them and they ignore me, threaten me and discriminate against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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:
My consumer right has been violated according to XXXX us code XXXX... inaccurate information is listed on my report which should be deleted immediately.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: LA
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 found the following unauthorized inquiries on my credit reports. I have been the victim of identity theft. Please investigate and remove the following items : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 have violated has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX Account Name : # XXXX 15 U.S.C. 1681b ( a ) ( 2 ) : States a consumer reporting agency can not furnish an 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 ) Section states : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: CA
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:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this complaint today to inform you that I have been a victim of identity theft. I conducted research on how to remove fraudulent accounts and information from my credit report, and I discovered that I need to visit the Federal Trade Commission ( FTC ) or https : //www.ftc.gov to file a report. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are obligated to remove and block any items listed on an identity theft report. Please find the attached documents that will assist in blocking the erroneous information that is being posted on my report. Here is a list of items that do not belong to me or were opened without my permission XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to Section 605B ( a ) of the FCRA, Credit Reporting Agencies are required to block any information in the file of a consumer that the consumer identifies as resulting from alleged identity theft within four business days of receiving the information.

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 2016-11-17
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have refinanced a second mortgage through XXXX, XXXX XXXX, XXXX XXXX XXXX My previous holder was NationStar at 11.5 %. This asset transfer was completed around XXXX/XXXX/16. NationStar, XXXX XXXX, confirmed with me yesterday, XXXX/XXXX/16, that they have received payment in full and would send me confirmation. I received an email from XXXX, ( That had a no reply hold of email reply ) that there was a balance of around {$270.00}, after she confirmed the balance was confirmed as paid in FULL. I am in the process of other refi 's that can not continue until we have confirmation of this loan payoff. I was very upset that NationStar did provide documents that this loan with them was paid off as per XXXX. When I spoke to XXXX today, XXXX/XXXX/16, as I was upset, she hung up on me. All I want is to have NationStar agree in writing that my loan with them is paid in full. It is very simple. They have their money. Please send confirmation. XXXX email has a no response lock on her email. They are worse than XXXX. 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
2004 I cosigned in a vehicle and and the other signer I took to court to have him take full responsibility and I was no longer a buyer on this agreement and now almost 18 years latter and after a court dismissal on my behalf and the XXXX letter i sent asking to not contact me as I'm not on the lease agreement and I spoke and left message bro 7TD Auto finance LLC / XXXX XXXX I have seek legal action on harassment charges if I'm contacting again .. Do Not harass me again about this matter no letter 's or call are I will fill a report! No w I have received a other collection later and looking to get a lawyer about this harassment from this company

Company response to consumer: Closed with explanation