BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is about Wells Fargo Home Mortgage and Wells Fargo XXXX XXXX. 
I applied for forbearance and deferment in XX/XX/2020 for 6 months on both my home mortgage and my equity line that was offered to me by Wells Fargo. They told me that both loan payments would be deferred to the end of my loans. ( Files Attached ). Now they are saying that neither loan qualifies for deferment to the end of each loan and I have to start making missed payments or my home could be subject to foreclosure. 
In early XXXX, I started getting statements on both loans that said that I would have to start making the " forbearance '' payments on both loans or I could lose my house to foreclosure. 
I called Wells Fargo Home Mortgage to discuss this and reiterated that I was told in a recorded conversation that both loans would be deferred. The representative that I spoke to told me that my XXXX mortgage loan was sold to an investor, and the investor is now insisting that I bring my loan current. I said that my agreement was with Wells Fargo and not an investor and that it was their problem. 
I was told that the equity line was a " warehouse '' loan and didn't qualify for a deferment. 
I blew a gasket and was given the number to the " executive office. '' I called and spoke to a woman there and told her what was going on. I asked her to listen to the recordings that offered me forbearance and deferments on both loans. She told me that my case would be assigned to a case manager. 
My case was assigned to XXXX XXXX. He left me a message the 2nd week of XXXX that they were still investigating and someone would get back to me by XX/XX/XXXX. On that date, I was called and spoke to XXXX XXXX, my new Case Manager. He told me that they were still investigating and would get back to me with an answer by the end of XX/XX/2020. 
Today, XX/XX/XXXX, XXXX XXXX called me to tell me that they were going to refer me to the XXXX XXXX Department to figure out how to make the " missed payments '' or how to liquidate my property. He said that because I was one month late on my home mortgage and equity line that they could not defer my payments. ( I brought both loans current in XXXX. ) When I told him that this was never part of the recorded discussion, he told me that was all he could do. I asked to be transferred to his supervisor, XXXX XXXX, and am awaiting his call.

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 2022-04-06
Company: TrueAccord Corp.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company, TrueAccord, is trying to collect on a zombie debt of {$8300.00} with XXXX XXXX XXXX ( current creditor of your original XXXX ( South Dakota ), XXXX. ( XXXX XXXX XXXX ) account ) despite the fact that this debt is way past the statute of limitations by XXXX years. I responded months ago, disclaiming this debt and demanded they cease harassing me. They have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the co XXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: ALLIANT CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
An annual fee of {$50.00} was attached to my HELOC beginning of XX/XX/2023. I was not aware of the situation as I have never used the HELOC and it had a {$0.00} balance. I never received a phone call nor a billing statement aside from electronic ones which was hard to access and not easily get to on the phone app. I use the phone app to alert me of my balances. Alliant 's application continues to erroneously show {$0.00} on my HELOC which led me to believe there was no fee. However, they automatically had already attach the fee without me noticing then proceeded to report it to credit bureau after 30 days. 

This is not a reflection of my credit worthiness nor is it a result of my inability to pay. This was due to a lack of notification and transparency around an annual fee that the company automatically attaches to my account. 

This issue has drastically reduce my credit score whlist I'm in the middle of procuring a home loan therefore negatively impacting my ability to find a new home. All due to a {$50.00} fee that was not widely advertised, poor communication, and poorly designed application user interface ( see exhibit I attached showing {$0.00} balance this entire time ) I was relying on the app to remind me of payment obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is being filed against Citi Bank ( specifically credit card division ). I have a late payment fee in the amount of : {$28.00} assessed on my account, ending in : XXXX. I spoke with CS ( based in XXXX! ) via chat today, and they declined to waive it on the grounds that another " late fee '' was already waved on the same account in XXXX this year. I explained to the agent, called XXXX ( yes, XXXX ), that that " other '' late fee was due to a technical glitch on the side of the bank ( just like this new fee ; I will come back to it in a moment ). At the beginning of this year I reported a LOST Citi credit card. So I received a new one, with a new number, ending in : XXXX. I did make a TIMELY payment on that account, but it was under the OLD credit card number. Therefore, it was Citi 's responsibility to " transfer '' ( so to speak ) my payment on to the NEW card ( new card number, but the SAME account ). Now, about this NEW late fee. I did make a payment this time around a few days after my due date ( that's true! ). HOWEVER, I did attempt to make that payment on its due date. I have 2 Citi credit cards and they have the SAME due date. Therefore, it makes NO SENSE that I will pay only one card, but not the other, and thus risking being charged fees. Besides, my balances are rarely large. I was NOT allowed to make a payment on card XXXX because the web site would NOT allow me to make a payment selection. The selections are always : minimum payment, remaining balance, etc. In my case, those options were " blocked '' ( grayed out ) and there was a message that said something along the lines of " no payment was required ''. I knew that was odd but there was nothing I could do about it. Does Citi think that I've concocted this story?!? Because I've been a client for more than 10 years, and I would not appreciate anyone questioning my integrity. I am not going to pay this late fee because I remember very well what happened recently ( described above ), just like I remember very well what happened back in XXXX of this year. Thank you for your attention.

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 2023-09-12
Company: Sarma
State: GA
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 am writing to express my deep concern and dissatisfaction with XXXXXXXX XXXX handling of my consumer request and their apparent disregard for federal law, specifically the Fair Credit Reporting Act ( FCRA ), as it pertains to my request for the removal of inaccurate accounts from my credit report.

The specific account I am referring to is as follows : ACCOUNT : XXXX XXXX XXXX - {$17000.00} - XX/XX/XXXX INQUIRY : SARMA XX/XX/XXXX I have repeatedly informed XXXX that the information contained in this account is inaccurate. The character of the account is incomplete, and XXXX  continues to report a charter amount that is both incomplete and inaccurate. It is essential to emphasize that information on a consumer report must maintain maximum possible accuracy, as defined by federal law.

Accuracy, as per 15 USC 1681e ( b ), is explicitly defined as being " correct in all details ; exact. '' XXXX XXXX reporting of the details of this account falls short of this standard, as they are neither correct in all details nor exact in terms of the amounts reported.

Furthermore, XXXX  is mandated by law to comply with the FCRA, as stated in 15 USC 1681. One critical provision, 15 USC 1681i, requires XXXX  to notify me of the results of any reinvestigation. However, they have failed to do so despite multiple requests.

15 USC 1681i ( 6 ) Notice of results of reinvestigation ( A ) In general : A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : I hereby request the CFPB 's intervention in this matter to ensure that XXXX  complies with federal law. I urge you to use your authority to prompt XXXX  to : Conduct a thorough reinvestigation into the accuracy of the account in question.

Provide me with written notice of the results of this reinvestigation within the stipulated time frame.

Delete the inaccurate and incomplete account information from my consumer file as required by law.

I believe that the CFPB 's involvement is essential to rectify this situation, protect my rights as a consumer, and hold XXXX  accountable for its noncompliance with the FCRA. I appreciate your attention to this matter and look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: R & B Corporation of Virginia
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX XXXX inadequate security measures led to my data being stolen from them. You can see details regarding this at their own website : https : XXXX  They have reported my debt to all XXXX major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2022-11-18
Company: Grant & Weber
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 USC 1681. 

Grant & Weber : XXXX XXXX & XXXX : 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 an account without my written instructions.

15 U.S.C 168c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Block, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX XXXX XXXX delivered bad food and was refusing to contact me back and so I contacted my card company cash app to step in. They pulled the money from XXXX XXXX XXXX and the next day XXXX XXXX  refunded me a partial amount XXXX and then I wrote my cash app back and told them to cancel and refund my money to XXXXXXXX XXXX. They told me to wait 45 days from my original complaint. So I did and they told me on the XXXX to wait 3 business days. Today is the 3rd day and they refuse to release my XXXXXXXX XXXX to pay off the money they refunded and then denied me to keep cause XXXXXXXX XXXX has returned a refund for their bad service. I have chat proof and transaction proof cash app is refusing now to release the money on the given time frame of the refund. And now is fraudulently holding info on my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021, I contacted The XXXX XXXX to pay off the {$560.00} debt that was claimed on my credit report. I was given the runaround by their automated system, and was forwarded to XXXX XXXX XXXX. So XXXX XXXX XXXX did not have any details about my account and I was told to call The XXXX XXXX back with a blocked number, by dialing XXXX first then their number. Well, I called The XXXX XXXX with a blocked number, this time, and got to them at last. But, XXXX XXXX XXXX told me that they don't own this debt any more and that the Synchrony Bank owns this debt, and so there is no way for them to accept a payment from me. Ok, so I filed a dispute on XXXX to get them off my credit report. The dispute was rejected because The XXXX XXXX somehow proved that they own this debt. So, I called XXXX and told them this story. I was advised by XXXX to escalate this issue with FTC. I hope you can help me out. Thank you in advance.

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 2023-03-24
Company: Aargon Agency, 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: Problem with personal statement of dispute

Complaint:
I received a copy of my credit report and I wrote this company XXXX Aargon Collection Agency ) XXXX different times ( XXXX & XX/XX/2023 ) asking them to validate & investigate the alleged item that they are reporting on my credit report. I have asked this company to 1. Provide documents bearing their signature to validate this alleged debt. 
2. Proof of their right to own/collect this alleged debt.

3. Contract bearing my personal signature.

4. Any documents bearing my personal signature showing that I have a legally binding contractual obligation to them the alleged debt. 
They are ignoring my request for validation of this alleged debt by sending a printout of a bill or itemized documents. I have made them aware that this does not constitute verification. Every letter to this company I have formally asked for a copy of the above items. I have gotten nothing but silence. 

This is causing damage to my character. 

.

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 2022-03-10
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXXXXXX {$0.00}

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have several items that I need to have investigated see the letter attached for details

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 2023-10-05
Company: EQUIFAX, INC.
State: LA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I called Wells Fargo and requested a loan modification. I was told I wasn't eligible. I was told Wells Fargo would Foreclosure on my house by representative. I had no where to go and was terrified everyday that the sheriff would be servicing me papers. After no help. I pack all my clothes and moved to XXXX, TN. It has messed my credit up due to the foreclosure. I have been able to buy a house since the foreclosure. 

After I left town I found out about the lawsuit against Wells Fargo. I would like to check to see if I am including in this settlement

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 2022-11-18
Company: Bread Financial 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:
Credit card balance paid off XX/XX/22 and balance should have been reported to credit reporting agencies as XXXX. Contacted Comenity director XX/XX/22 and was told system updated taking place I would need to wait 2 billing cycles. Recontacted Comenity XX/XX/22 after bill cycles passed and information was still inaccurate. 

Ive contacted all 3 credit reporting agencies to report they have received false information from Comenity. Each one told me to wait 30 days for updates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: FL
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Accounts were opened with XXXX, XXXX and XXXX & XXXX using my personal data. I have reported fraudulent activities to all three carriers as well as reports about my services being unusable do to hacked websites from all three carriers. XXXX has denied me services and device credit opportunities and their customer support number as well XXXX XXXX  support number always sent me to the same person i believe my number was relayed to fraudsters or imposters. On several occasions i reported the problems with their service and internet and nothing was ever resolved. XXXX has charged me for services that i was unable to use because of a device that was returned and their failure to exchange it for another one, even though i retuned the device within the XXXX day time period. I was denied device payment options upon the return of the other device. These companies have been buying and selling my personal data for years without my authorization and i have not been compensated for the harm that was caused from their unauthorized use of my sensitive data.

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