BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX Case Number : XXXX Account Name : XXXX XXXX XXXX  Case Number : XXXX Account Name : XXXX XXXX XXXX  Case Number : XXXX has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I file a police report stating the incident and was inform i have to make a complaint online due to its not being a XXXX incident. someone stole my wallet and cell phone with all my personal information i had at the gym. this is a very bad situation i have experience. the total amount of fraudulent transactions was in the total amount of {$10000.00} i work hard for my money and need answers asap thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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:
XXXX XXXX XXXX Acct : XXXX, XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX Acct : XXXX, XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX inquiry, XXXX XXXX XXXX inquiry, XXXX XXXX Acct : XXXX, XXXX & XXXX Acct XXXX XXXX and XXXX, XXXX XXXX XXXX accounts XXXX, XXXX XXXX  XXXX Acct : 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 2024-01-08
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
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:
My information was SOLD and BOUGHT ILLEGALLY because I was a victim of the XXXX XXXX XXXX. I want these items deleted from my credit reports affective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this DATA BREACH and XXXX has done NOTHING. Please help me DELETE these illegal accounts from my credit reports. ( The Accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-11-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
As the Accommodation party to the application/instrument i am owed consideration for my accommodation. There was none because I was denied. Therefore this constitutes as unauthorized use of my social security credit card and discrimination. Synchrony has the ability to sell my application to a 3rd party and reap income so you cant legally deny 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 2023-07-29
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: Account information incorrect

Complaint:
In the month of XX/XX/2023, The company XXXX XXXX XXXX combined my student loans together. Previously, there were 3 accounts that emerged into one account held by XXXX. By doing so the major credit bureaus : XXXX, XXXX and Trans Union dropped my score stating that my loans increased. The amount never changed only the number of accounts. This transaction has dropped my FICO score tremendously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This really involves an old issue and to this date of XXXX XX/XX/XXXX they still have not resolved it. I am including a letter I sent to XXXX XXXX. He responded with " there's nothing he can do to help me. I sent it to him certified. I know this is old, but they should still have a record of my safety deposit record. I check with them every year to see if it has turned up. Her is the letter : XX/XX/XXXX Certified Mail XXXX XXXX XXXX XXXX Wachovia Bank XXXX I am writing you concerning a safe deposit box I opened with Wachovia Bank in XXXX. The XXXX, Georgia branch on XXXX XXXX XXXX is no longer open. For the last year, I have been trying to locate my safe deposit box and its contents but to no avail. 

I contacted customer service and advised the box would possibly be at the next closest bank. There are several different branches in XXXX, Georgia. I have no idea which one to contact, so I called customer service. This is the information Wachovia should be providing me. Inarguably, there are some tracking mechanism in place to tell you exactly how and where you disposed on the boxes left at that branch at the time of closure. 

The box has gone unclaimed for over 12 years. I understand you have a XXXX  Department who handles unclaimed boxes. I was issued two keys to the box and have since misplaced them in moving. I am now and have been a long-time Wachovia  customer XXXX My address at the time was XXXX XXXX XXXX, XXXX, Ga XXXX. I was a previous XXXX  XXXX customer with an address of XXXX XXXX  XXXX XXXX, XXXX, Ga XXXX. I am a current XXXX  customer at XXXX XXXX XXXX, XXXX, XXXX, Ga XXXX.. 

I was told the contents are then forwarded to the Georgia Department of Revenue. Of course, I contacted Georgia Dept. of Revenue and they have no record of such. They have referred me back to Wachovia. 

The amount of " run around '' I have encountered regarding this matter is tantamount and very poor customer service. Realizing a lot of time has passed, I humbly request a little more assistance from Wachovia  to help bring this issue closer to closure. 

I would really appreciate someone helping resolve this matter. As a long-time customer, I do look forward to your assistance in a timely fashion. 

My current email is XXXX and my telephone contact is XXXX XXXX XXXX. 

Looking for to your response. 

Thank you. 

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 2022-12-20
Company: Guild Mortgage Company LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for Homeowners assistance program ( Haf ) for 18 months fwd pmts. XXXX pmt posted in XXXX with no problem and XXXX with no issue. XXXX XXXX was returned by bank and never resolved. Now I'm showing 1 month behind as each out that has posted since is covering the previous month for the missing XXXX XXXX. This is racking up late fees and hurting my credit. I have never been late on a pmt until haf. While I'm appreciative it's hurting me also. Then per guild mtg. My homeowners insurance tripled from XXXX to XXXX which increases my pmt XXXX per month. Haf covers XXXX I have to try to cover the rest but guild will not apply the haf pmt to my acct as it is seeing it as a partial payment. I've reached out to both haf and guild monthly since XXXX error. 
Thank you Haf app # XXXX. 

Address : XXXX XXXX XXXX XXXX XXXX fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: M&T BANK CORPORATION
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
After stating in their previous response ( XXXX ) they were not trying to take my home, I just received a statement for {$71000.00} due in a little over 30 days. 

This complaint is concerning M & T Bank aka XXXX XXXX XXXX requiring a mortgage payment of {$71000.00} in just a little of 30 days, XX/XX/XXXX. 

I built my home in XXXX on XXXX lots in XXXX Al. The XXXX failed to merge all XXXX and only merged XXXX. Once I turned XXXX XXXX XXXX I was no longer required to pay property tax. Because these lots were not properly merged, XXXX XXXX via his attorney XXXX XXXX paid the property taxes, then demanded that I leave my home and claimed he owned it. 

I went to court to dispute this claim. During the course of this case ( XXXX in the Circuit Court XXXX XXXX XXXX , Alabama ) I met XXXX XXXX who represented M & T aka XXXX XXXX since they had an active mortgage on the home and would take a loss as well if this gentleman were to take the home. I was advised that it would be in the best interest of the bank and me, if he combined the case and represented us both. I agree. He said not to worry about any fees. Now, I am receiving notice from M & T that I owe a corporate advance in the amount of {$71000.00} for the attorney fees. My principal balance is {$15000.00} and my monthly payments are {$550.00}. Now, I am fearful of losing my home because I can't make a payment of XXXX XXXXXXXX. I previously filed a complaint with the CFPB when they increased my monthly mortgage to over {$1700.00} per month. I explained I am on a fixed income and did not agree to any of these charges. They reduced the payments back to {$550.00} for a few months and now sending this statement. I have attached the statement below for your review as well as the CFPB response provided by M & T to this issue. Please Help! 
I previously received a letter from XXXX XXXX who also mentioned he may or may not respond. This is clearly abuse. How can I make a XXXX XXXXXXXX payment for charges I never agreed to. Additionally, the attorney advised that M & T dropped the ball in the original loan documents that would prevent something like this from happening. Because of this case, they amended their mortgage loan language to prevent someone from attempting to acquire a property they have a mortgage on via taxes. Now, they are trying to force me to pay for their mistake. I am trying to seek an attorney or legal help but as stated before I am on a fixed income and XXXX XXXX XXXX. This is incredible stressful. I hope someone at the CFPB will actually read this and help.

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 2023-03-06
Company: EQUIFAX, INC.
State: PA
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.

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Im XX/XX/XXXX {$2000.00} was taken out of my Wells Fargo checking account in XXXX, Florida without my consent. I live In Tennessee. My withdrawal limit I found out is only {$1100.00}. I asked them about it and they said it may have changed. How can it change without my approval. They refuse to give me back my money that was illegally taken from my account using a fraud card at their atm. They claim the chip cant be cloned. I filed police report as well. I never been to XXXX and after I told them to look at my transactions that it would show I never left Tennessee. They wont give me any answers and just kept saying there indicators show it wasnt fraud and I cant appeal and thats it. Im XXXX  out of {$2000.00} because there shady intentions and wont refund a fraud transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On the date of XX/XX/21, unknown person unauthorized online wire transfer the amount of {$28000.00} from both my checking and saving account into different account and able to withdrawn the money without being notified by text, email or phone call to confirm the transaction.After realizing what had happened l reported the incident to the Citibank and was told to wait for investigation till 60 days.After 2 and half months ( 76 days ) they are not telling me anything, l even spoke to the investigator several times and she doesnt know whats going on with the case.The case number is 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 monetary relief
Consumer complaint received 2023-07-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified.As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : XXXX XXXX XXXX XX/XX/XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX- XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX - I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ).

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 2023-07-08
Company: Experian Information Solutions Inc.
State: VA
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:
Account # XXXX I challenged the accuracy, compliance and reportability of this listing and it came back verified. Please validate and have them provide method of validation on this information from XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. This has account has been updated with activity and this is a closed collection account. The term duration on account as states 1 month on Experian ], 0 months on XXXX, and Unknown on XXXX which is inaccurate. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ] [ 15 U.S.C. 1681e ]

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 2023-07-08
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I had two transactions come through my account that required my overdraft protection to be used. The money was transferred and items were paid. The next day I got an email that I would be getting two overdraft fees for these items despite the fact that they were paid.

Their overdraft protection policy is that no fee is assessed when it is used to cover transactions as you will be charged interest for the amount used.

I was assessed 2 fees and reached out for an explanation which did not make sense. I asked for further explanation and continue to wait. I do believe that this bank is charging consumers unnecessary fees to inflate their revenue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: NC
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:
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. I told the Experian, XXXX, and XXXX to reinvestigate these accounts and delete from report : XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Dept of Education XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. Even after uploading proof from the following creditors that they accounts were not mines and should be deleted, they still remain on the bureau illegally. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. I have also attached a copy of a recent letter for proof.

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 2023-03-06
Company: Paypal Holdings, Inc
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase on XXXX for {$100.00} on XX/XX/XXXX. There was a hold for this amount placed on my account with Venmo When the part of the items shipped on XX/XX/XXXX a XXXX for {$88.00} was placed on my card. When I spoke with Venmo customer service on XX/XX/XXXX, they stated there was also a charge for {$21.00} for the additional items I purchased. 

I called XXXX Customer service and spoke with their customer service by email on the same date and they stated both charges were clear on their side. They also stated the pending charges would be cleared on their side by XX/XX/XXXX. When I reached out to Venmo, they stated they wouldn't do anything about the charges for XXXX XXXX. 

I reached out to XXXX today, XX/XX/XXXX, and they stated that the charges for all of the items had cleared on their end. 

I reached out to Venmo to release the held funds for {$88.00} back to my Venmo account. They refused and stated they would have to wait the full 30 days to refund the held funds.

Company response to consumer: Closed with explanation