BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi, i was an old customer of Wells Fargo when they over charged people for account and fees. now, 5 years after i closed my account they sent me a payment back for all the wrong fees they charged me. 

BUT, i am no longer have a business and this check is on my business account. 
they stole my money and now they don't want to send me a check back on my name. they are asking to fill out many documents and spend maybe 5 more hours of my life to send them more info ... and then it will take them 45 days to send it. 

they have my personal information on the business account and can send me the check easily. i have no time to work for them. as it is they stole my money. i work and have no time to deal with a fraud bank again!

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 2022-10-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, Starting on XX/XX/2022, I applied for an apartment in New Jersey, because of my employment work relocation ( management ). Although, my application was denied. I inquired with the apartment leasing office the rationale why my application was denied and was informed, the leasing office ran my application and could not receive my Experian credit score. This is devastating, I'm a manager and my employment depends on my ability to support my organization. As a XXXX man, my family had to step in and co-sign for an apartment so I could relocate in schedule. 

Once, I was settled in my new location, my XXXX car had engine problems, probably due to the XXXX XXXX road trip to my new location. I applied online for an auto loan with XXXXXXXX XXXX, who financed my previous two vehicles. Within 20 seconds, I received a computer-generated response, my credit report was denied. I have " never '' missed a payment and paid both cars off early. I have never been late or missed any payments. I contacted XXXXXXXX XXXX and were also informed ; they couldn't get my Experian consumer credit report. 
I created and Experian account and sign-on to my account. AS THE ACCOUNT OWNER, I COULD'NT GET MY CONSUMER CREDIT REPORT. I called numerous time s to no avail, NO SUPPORT and were told. you don't have any open account. WELL ASSESS OR SCORE THE CURRENTLY CLOSED ACCOUNTS. this is destroying me, I CAN'T GET CREDIT, APARTMENT, HOME LOANS, or anything tat I can't pay cash for. I need someone to correct this AS SOON AS POSSIBLE, I NEED MY CREIDT SCORE. 
If Experian is going to be a consumer credit reporting entity, they should be held accountable.

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 2021-06-08
Company: MoneyLion Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Mon, XX/XX/XXXX, XXXX XXXX, I received an email saying " You're in! '' as an account was created in my name and with my email. 

Mon, XX/XX/XXXX, XXXX XXXX I received an email saying my phone number has been updated to ( XXXX ) XXXX, which I am including here because it is not my phone number. I do not know whose phone number this is. 

Tue, XX/XX/XXXX, XXXX XXXX I attempted to chat with MoneyLion to resolve the issue, but they need personal information and I 1 ) do not want to share any with them and 2 ) will not have the details the fraudulent opener used Tue, XX/XX/XXXX, I called MoneyLion and verified that someone else has opened the account in my name. They only used my first name and my email address, but the phone number and SSN are different. MoneyLion says they will send to their fraud department and follow up with me in 5-7 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: BMW Financial Services NA, LLC
State: MD
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:
l am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because ; According to 15 USC 1681 E ( B ) : I have the right to accurate reporting of my accounts and the information reported by this company is incorrect. Acct number BMW Financial services XXXX. In XXXX of XXXX BMW Financial illegally repossessed a vehicle I had with them. BMW then sold the car at auction and failed to either notify me of the sale or accurately record the sale to my account. The account is reported as if I still owed the full balance ( not including the sale of the vehicle ) when in reality the car should have sold in excess of {$35000.00} and I should have been due some amount of equity returned from the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Went to make my payment with many of my community store charge accounts ( recently XXXX and XXXX XXXX store credit cards ). My due date was XX/XX/2023, went to pay at XXXXXXXX XXXX, and their was a message statement saying " Please submit your payment by XXXX E.T. '' I selected my payment options, the payment schedule showing my due date, and would not let proceed, until I had to pick the date of the XXXX of XX/XX/2023. Which made my payment late! No another late fee. How can they ALL get away with these early cut off times, how is fair to the comsumers trying to keep their budgets and credit scores in good shape. I personally can not auto pay I have a tight current budget. If the DUE DATE is the XXXX then you should be considered on time! Because you paided on the correct date. The greed ... Now late fees are piling up, Same with XXXX XXXX Department stores, Just happened to my mother 4-5 months ago, And that was a nightmare completely. With them they add a late fee, if they credit it back to you it will not show up until next billing cycle, and they demand the late fee no matter what ; or your account is considered behind, what a bunch of crooks! Even though your payment were done on it's due date, but on early evening the consider it the next day! The greed, where are the Comsumers WATCHDOGS, someone needs to reel the greedy creditors in. Most comsumers are on a tight budget and the unnecessary late fees can destroy your budget V/r XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: U.S. BANCORP
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:
I did not authorize the company to rerun 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 non-monetary relief
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: FL
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:
Please delete these unknown items from my profile. I want to buy a house now for my family and recently I saw accounts that do not belong to me. They are not mine and I do not want to have them. I am begging you as its very important for me. I believe I am a victim mainly victim of Identity theft. So kindly asking you to help me and make investigation in order to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our house burned down on XX/XX/2016 and was a complete loss. As our primary mortgage holder, Nationstar Mortgage ( d/b/a Mr. Cooper ) was given a large amount of coverage funds from our insurer and put into escrow to issue disbursements for rebuilding our home. Nationstar refunded my wife and I the amount of the insurance proceeds above the balance of our mortgage. When we called Nationstar 's customer service/loss draft department, a representative explained that they were not entitled to keep more than the mortgage balance in the escrow account. We fired our contractor based on numerous violations of the construction contract and New Jersey consumer fraud statutes. Despite already having received insurance proceeds up to the mortgage balance, issuing a refund check to us and representing this was their policy, Nationstar has told our insurance carrier that additional insurance proceeds must be placed in their escrow account. They have also insisted that any funds they receive go to pay our former contractor, who filed a bogus lien claim against us. This leaves us with little money to complete the rebuild and will make our partially completed home essentially worthless. Further, our tax assessment after our house was destroyed was decreased by roughly 65 %. Yet Nationstar still takes their full cut of the original tax payment in our mortgage payment each month. We have requested reimbursement for their overcharging but have gotten no response. They have both reneged on and misrepresented their escrow policies while taking taxes beyond the prevailing rate after the fire. We are making our full mortgage each month while having to rent housing for our family. We are being bled dry and about to lose everything because they won't help us rebuild our lives and our home. Nationstar is intentionally and unconscionably forcing us into foreclosure and financial ruin.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Amount of debt {$3700.00} I have called them a lot of times and they keep repeating themselves that a letter will be sent to me but never received anything from them. This has been going on for a few months now.

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 2022-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, I received a refund from my XXXX- " XXXX XXXX '' for services not rendered for the amount of {$2100.00} using my debit card information they deposited the refund in my checking account ending # XXXX with Bank of America On the morning of XX/XX/XXXX, I received a notification that my account was overdraft. I also noticed two of my payment were returned. I immediately noticed that the orthodontics office charged the account for the same amount I got credited. I notified the Orthodontics office via email and over the phone and on both occasions, they denied that they made the charges. Same day I called the bank and submitted a dispute of the charges, they indicated that this will be investigated and that will take up to 45 days to complete such investigation in the meantime the account was on negative {$1300.00}. I followed up a few times with both the bank and XXXX XXXX and both keep blaming each other for this transaction. 
I visited two different branches of the bank, and instead of reviewing the evidence they keep directing me to the claim dept. which can only take faxes, do not email or calls. 
I sent at least 5 faxes with ample evidence showing emails. I received a few letters stating that a credit was generated but I never received such credit. In XX/XX/XXXX I received a call from the bank stating that they realized this was a mistake and that the claim will now go to a different department for review but that never happened. On the morning of XX/XX/XXXX, I found out that the bank was closed and reported to the XXXX XXXX for " abuse ''. 
Bank of America never contacted me asking for my evidence or to discuss why they closed the account. I have all the emails between the orthodontics practice and myself and all the faxes and letters I sent to resolve this matter with the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 car is braking down and I decided to try in trade my car in. When I got to the dealer I was told that first step was to see if I qualified to trade in. My credit was pulled and determined that there was quite a list of unknown items I have never heard of. These things on my report are not mine. Please remove these items from my 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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2017-05-03
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a payment agreement with Care Credit/Synchrony Bank since   XXXX   XXXX   XXXX   - payments are automatically drawn by creditor from my bank account on the first of the month. The following  have been paid, but are not showing on my credit report and they are reporting me 30 days late in  XXXX  (  which I was for   XXXX   ) and 60 days late in   XXXX   XXXX   and   XXXX   :   XXXX   XXXX   XXXX   {$46.00}   XXXX   XXXX   XXXX     {$18.00}   XXXX   XXXX   XXXX   {$37.00}   XXXX   XXXX   XXXX   {$37.00}   XXXX   XXXX   XXXX   {$35.00}   XXXX   XXXX   XXXX   {$40.00} ( per payment agreement )   XXXX   XXXX   XXXX   {$75.00} ( per payment agreement )   XXXX   XXXX   XXXX   {$77.00} ( per payment agreement ) I tried to contact the creditor by phone to discuss but the all phone # 's lead me to a 3rd party collector "   XXXX   '' who does n't have my account and have been told this multiple times today. Each time I was given either a new number to call or one  I already did and every one reverts right back to  XXXX . Beginning    XXXX   XXXX   XXXX    at   XXXX   XXXX  , I have called   XXXX   ( back of card ), given  XXXX , given  XXXX  again, spoke with  XXXX  (? ), given  XXXX , reverted to  XXXX  spoke with *uninteligible*   XXXX   and request to speak with manager - spoke with manager "  XXXX  '', given   XXXX  , called and was hung up on ( male rep ), called  XXXX  ( again ) spoke with  XXXX , given  XXXX , answered by   XXXX   rep again ( one I already spoke with ). Called   XXXX   ( from Care Credit website " contact us '' ), got   XXXX   once again and so requested to speak with manager - got  XXXX  again.  XXXX  told me " there 's a problem with the system ''. This final call was at   XXXX   XXXX  .
This is completely unacceptable! I 'm trying to reach the company to discuss my account and am unable to and have been given incorrect inform  ation each time.

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 2018-04-30
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I received papers stating I was being sued for not paying the mortgage on my property. I called my lawyer, XXXX XXXX XXXX, who agreed to meet with me at a XXXX  Gas Station to retrieve the papers. XXXX XXXX XXXX took the papers from me without a discussion of price and assured me that he would appeal the case. XXXX XXXX told me not to worry. There was a court date scheduled for XXXX that was canceled for a reason unbeknownst to myself. Instead, in XX/XX/XXXX XXXX XXXX and his associate approached my wife and I with non-disclosure agreements that we both chose not to sign. From XX/XX/XXXX-XX/XX/XXXX, I heard nothing form the lawyer until my wife and I received two subpoenas to appear in court on XX/XX/XXXX to settle {$70000.00} accrued in attorney fees from the case. Confused and obedient, my wife and I attended court on XX/XX/XXXX. XXXX XXXX never spoke with us about what was occurring leaving my wife and I uneducated and underrepresented. During court I told the attorney I did not have any idea of the agreement and did not understand what was happening. During the hearing, I heard the bank and lawyer conversing and alluding to where the check would be sent and in whose name it would be in. I am concerned that I was underrepresented and taken advantage of throughout the course of the case. My lawyers failure to be ethical and transparent has damaged my livelihood and contributes to my on-going XXXX XXXX and medical conditions of which I have been hospitalized multiple times throughout the tenure of this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number XXX-XX-XXXX To Whom This May Concern : This is my SECOND TIME writing you to update my information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities With fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My XXXX XXXX - XXXX XXXX XXXX. My Address - XXXX Northside XXXX XXXX XXXX, GA XXXX Please delete all other addresses, I can not receive mail, any correspondence, nor do I have access to any of these addresses. Please delete these outdated addresses and update my consumer report with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ). I am a federally protected consumer and I have a right to privacy. Not granting me my rights is indirect violation of 15 USC 1681 and all its subsections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT ACT XXXX  XXXX ACCT # XXXX 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.

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 2021-07-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017 PORTFOLIO RECOVERY ASSOCIATES, add a derogatory mark on my credit report per XXXX XXXX, XXXX, XXXX  and XXXX. upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also there was NO written form of communication, contract, or signature for this accused dept at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, PORTFOLIO RECOV ASSOC has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: NV
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:
Im a victim of ID theft. And : I produced all the documents to Experian and they are refusing to fix the problem. They are still reporting the fraudulent accounts on my credit file

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent

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