BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage company, Wells Fargo, has breached our Mortgage contract, and the attached PUD Rider. Our mortgage allows for HOA or " association dues, '' that do not replace the mortgage security interest, which they do not as Oklahoma is not an HOA Super Lien state. The HOA dues are supposed to be escrowed. This is also allowed for in the PUD Rider. We were sued last year by our HOA in Small Claims Court for HOA Dues that were not dated, and given a default judgment. I filed a Motion to Dismiss, the XXXX XXXX XXXX would not allow it stating that we did not pay a {$76.00} fee that is not listed anywhere. A collection agent is not supposed to be able to use small claims court under 12 O.S. 1751 ( B ), and that is what this attorney is. I was not able to go to court due to a XXXX, but the judge still gave a default judgment, with 850 % or {$2200.00} in attorney fees. My wife went to the hearing yesterday because it was a hearing on assets, but the collections attorney went ahead and put a stay on it. The court put down that the defendant failed to appear. So I'm not sure what is going on with the court. So the court and HOA 's attorney both have violated Regulation F. Wells Fargo has breached our mortgage contract, which is the point of this complaint. They have breached their duty of good faith by causing my wife and me undue stress with this lawsuit. We have written them, and they have sent us back 2 or 3 letters. I know the Plaintiff 's attorney wrote them because Wells Fargo sent us a letter telling us that they received a letter from him. We never heard what happened. I called Wells Fargo multiple times, and one time I was told, " sir, this is not our problem, you need to pay this. '' It is their problem. We don't owe these HOA dues, and they need to get this young man off of our backs. The small town Court could care less what we have to say. I'm copying our title company. I'm making a claim for title insurance. I found that the day our title insurance was taken out, the builder 's mortgage had not been paid off until the next day, XX/XX/XXXX. Wells Fargo did not make their title change until XX/XX/XXXX. The Homeowner 's Association made a huge change to the covenants in XX/XX/XXXX and completely changed them. Our household was not notified, and several others that I have talked to were not notified. The new document is very discriminatory, takes away all voting rights, and makes it to that 2-3 board members can do whatever they want in the name of common areas that are not even close to my house. They are also fining people for things done on city streets and their own properties. This puts an undue burden on the title. I'm putting a claim on the title insurance for the full amount. I also am claiming a breach with Wells Fargo.

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 2023-05-07
Company: EQUIFAX, INC.
State: CA
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 U.S.C 1681 1XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Account # XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 ) 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 non-monetary relief
Consumer complaint received 2022-05-17
Company: Credit Karma, LLC
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
My cell phone broke credit karma did not recognize my tablet but did recognize my sim card. I called XXXX time no would help me even when I email my valid Washington state drivers license, birth certificate bank atm card and bill.also I sent XXXX different vehicle titles and a car insurance claim all with my address. I have lived here XXXX  years. They will not change my phone number they accept landlines which I have but refuses to do anything. So the are basically stealing my income tax return. The told me it was accepted then that it wasn't. I only logged in on XXXX devices from the same location. I am so frustrated XXXX is my only option they refuse to do anything. I've called and sent over XXXX emails.credit karma has the worst customer service other planet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
THIS IS NOT A DUPLICATE PLEASE TAKE THIS MATTER SERIOUS! Like to inform this is my second time disputing the inaccurate payment history reporting on my credit report, and the response that Customer Care Manager XXXX gave me Prove that they did a reckless investigation of this dispute nor fail to view my attached documents. I quote an important part of manager XXXX response which CFPB have documented, He SAID " XXXX account was reported in XX/XX/XXXX as a new loan from XXXX, and NOT that his first payment was due in XX/XX/XXXX. Our records accurately indicated XXXX  first payment was due on XX/XX/XXXX ". 

I attached proof that Experian credit report, indeed say I made a payment on XX/XX/XXXX. Which is a clear error on the Creditors AUTO NOW or Experian CRA. As I repeat Manager said my first payment was due XX/XX/XXXX. That is a huge gap from XX/XX/XXXX to XX/XX/XXXX. 

I will attach the response of Manager XXXX from XXXX XXXX & the account payment history of this matter. This is a clear violation under the FCRA this account is not accurate & also doing a reckless investigation of the EXPERIAN CRA or XXXX XXXX or BOTH. 

The Status Date on this account Report XX/XX/XXXX I recall disputing this account memoirs times on CFPB, Certified Mail To Experian & XXXX XXXX this tell me this account actually has never been disputed since it been closed which is a MAJOR violation. You can't verify this account as accurate with out actually updating the status date. so if every dispute I sent in about this account never really been investigate I will count that as a violation. which I attended to collect on.

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 2023-05-09
Company: BARCLAYS BANK DELAWARE
State: AR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My complaint concerns Barclays Bank Delaware. I opened my online savings account at Barclays Bank in XXXX, and in the eight years since, I never had any problems with this account until last week. Barclays allows customers to link up to three external accounts for fund transfers. I already had two linked external accounts, and decided to add a third account which is an established savings account I have had at XXXX XXXX XXXX  since XXXX. On XX/XX/XXXX I entered the required account and routing number to set up the third account on Barclays website, and shortly after received an email from Barclays stating that two small trial deposits would be sent to the XXXX  XXXX account within 2-3 business days ; I would then need to log back into my Barclays account to verify the trial deposit amounts to finish linking the account. It should be noted at this point that I was not attempting to transfer any funds, I only wanted to add this account for possible future transfers. On the evening of Monday, XX/XX/XXXX I received another email from Barclays stating that my account access had been suspended. No reason for the suspension was given, but the email requested that I call Barclays Customer Care " so we can review recent activity on your account and restore your access. '' I called Customer Care on the morning of Tuesday, XX/XX/XXXX and was told my account had been suspended because they needed me to email them a bank statement from the XXXX  XXXX account that I had recently tried to link. I was given an email address to send the statement to, which I immediately sent. I was told it would probably take " around three business days '' for my online access to be restored after they received the copy of the bank statement. Interestingly, the two trial deposits were made to the XXXX XXXX account on XX/XX/XXXX, but since I had already been completely locked out of my Barclays account the day before, I had no way to verify them. More than one week has passed since my account was suspended, and I am still completely locked out of my Barclays account. I have sent Barclays copies of the XXXX XXXX bank statement twice in the past week, and so far they have not responded in any way. Any assistance you can provide to recover my savings and restore my account access will be greatly appreciated. Please feel free contact me if you have any questions or need additional information to resolve this nightmare.

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 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My name is XXXX XXXX XXXX XXXX. I am filing this complaint as a living man against your company that is causing harm to my finacial reputation. You claim to have verified this account however the account is incomplete which is a violation of the FCRA. Your company continues to report an account with incomplete and inaccurate information. The account has an abbreviation for the furnisher name as XXXX. This is incomplete information. That same account is reporting an incomplete account number of XXXX. Lastly the XXXX is reporting a date of last activity of XX/XX/XXXX and Transunion is reporting XX/XX/XXXX. Both of these can not be true. Your company is also reporting another account that you claim to have verified as XXXX. This name reporting is incomplete. That same account is reporting an incomplete account number of XXXX. Lastly this account has XXXX reporting a date of last activity of XX/XX/XXXX while Transunion is reporting a date last active of XX/XX/XXXX. Both of these can not be true and my consumer report be accurate. You must verify or delete this incomplete and inactivate information. This is my last correspondence before I send you an invoice for the damage caused to me. I will seek legal remedy if you fail to comply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16
Company: EQUIFAX, INC.
State: UT
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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and this is not a Third Party Service! 

The credit bureaus gave repeatedly and continuously abused me and my consumer rights! They have misled me, they have lied to me constantly, they have given me information that stalls and hinders the fraudulent information on my account. 

I have spoken to every representative from each of the bureaus and they have each told me different stories to attempt to hinder my FTC Report. I was told my XXXX to send in my FTC Report through fax with two forms of identification and a cover letter and after doing to was told my fax never came in. 

I was told by Transunion to send in my paperwork through the mail and they have told me that I needed to be more specific with information even after being as specific as I can be. 

XXXX has blocked me from deleting fraudulent address that I have attached to my FTC Report stating that they wont delete it. 

These bureaus are following their own rules and not those laid out by the FCRA. I can not understand how the bureaus are continuing these misleading conversations and are ignoring the information provided and then stalling with sending letter saying that there are errors when there are none I am demanding that these fraudulent account be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are fraudulent and damaging my life as I know it. The bureaus have taken advantage of me and are biding me by the credit bureaus that they serve. They are not for the consumer but instead are ran but the creditors and will display any information they want them to even if fraudulent as in my case.

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 2021-05-31
Company: AES/PHEAA
State: PA
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:
Fedloan servicing & us dept of education Are both reporting false and/or erroneous information on my credit report showing loans Ive never signed for. I demand the wet ink signature to prove I am responsible for these alleged loans ... ... .. Looking at the payment history shows many errors and false information and straight up lies, Ive never paid this company but they say they have payments from dates When I was unaware that this even existed ... ... I have never paid this company so them even stating that there was a payment on any date is automatically a lie and grounds for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
State: MS
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX # XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C section 602 A. Section 2. 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 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 ) 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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XX/XX/2022.

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 2023-12-06
Company: AMERISAVE MORTGAGE CORPORATION
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
Amerisave mortgage company has violated federal regulation c, falsified documentation to illegally portray it was granting a mortgage to a court ordered party but instead willingly and knowingly went against court orders. 

2020 title company violated federal regulation C, falsified documentation to illegally portray it was granting a mortgage to a court ordered party but instead willingly and knowingly went against court orders.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XX/XX/2023 I attempted to make a domestic transfer to my account at another bank XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX ). The size of the transaction required the use of a XXXX XXXX, which I posses and used. For some reason - not yet established - the final step after using the code of the XXXX  crashed at " processing '' stage. 
I reached out to customer service by telephone and on XXXX multiple times since then, explaining the funds were required by XXXX XXXX. 
Multiple interactions have failed to have me connected with a technical person who could possibly determine the problem- I am always fobbed off with 'I am raising a ticket, someone will contact you within 5 business days '. To date, nobody has, and I am losing the use of my own funds. 
Is Bank of America unable to pay back deposits at present? 
I even bought a new XXXX and tried different computers, but nothing works, and the Bank shows no interest in speedily solving this problem. 
XXXX my phone is a cellphone in XXXX. The account is in the name of an LLC which I control.

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 2021-05-31
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX, XXXX, I received an offer from Discover about " {$45.00} back when you join XXXX 's XXXX ''. In the offer, it says " Get a {$45.00} statement credit when you activate this offer and sign up for a new {$45.00} XXXX XXXX XXXX membership online or in club with your Discover Card by XX/XX/XXXX. '' I did exactly what the offer asked for. However, I still haven't get the statement credit back after 6 months. Then I contacted discover card on XX/XX/XXXX, I was told that I wasn't qualified for the offer and they are not able to tell the reason why I am not qualified.

Company response to consumer: Closed with explanation