BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
In XX/XX/2021 I reported fraud on my credit card with Wells Fargo. My card number was reissued and I received a new card in the mail. Shortly after that I received convenience or " super '' checks with a promotional offer of 0 % for either a year or 15 months. I decided to make use of one of those checks by depositing into my account ( not with Wells Fargo ) and wrote a few checks on the money in that account thinking nothing of it. Several days later I receive notice of overdraft and returned item fees relating to the check being counterfeit. I call my bank and explain that there's no way the check can be counterfeit because it's drawn on a credit line from Wells Fargo. They told me I needed to get in contact with Wells Fargo and I did. At my first point of contact I was told that the checks I'd received were attached to the old credit card and therefore unusable but that I shouldn't worry because it looked like the marketing department printed new checks for me and they would be sent shortly. After waiting for close to a month I called Wells Fargo back to let them know I'd never received the checks and to rehash the situation. It occurred to me during that call that when I received the previous checks AFTER receiving a new card that those checks were sent with no utility constituting deceptive advertising and a misleading offer. The reps that I spoke to acknowledged on a recorded line that this was indeed their mistake and that they apologize but have yet to correct this issue offering me only options that force me to open an account with them. This situation has not only had an impact on my time spent trying to get a resolution but also on my finances as I incurred an overdraft and returned item fee. I've asked several times for a manager-level employee to reach out to me, I've reached out via social media, and have been committed that not only were my concerns and time urgency documented but that someone would call me. I've never received one call. The only outreach done was a letter sent to my address telling me the very thing I learned within 15 minutes of my first call and that was that the checks I'd received were attached to the old account number and therefore not usable.

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 2023-03-04
Company: EQUIFAX, INC.
State: NJ
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 corporations/accounts Below have validated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602a States I have the right to privacy. 

XXXX XXXX for {$650.00}. 
XXXX XXXX for {$1400.00}. 
XXXX XXXX for {$750.00}. 
XXXX XXXX XXXX for {$880.00}. 
XXXX XXXX XXXX  for {$100.00}. 
XXXX XXXX delinquent account. 

15 USC 1681 section 604a section 2 States a consumer reporting agency can not furnish a account without my written instructions or consent.

15 USC 1681 C ( a ) ( 5 ) States no consumer reporting agency may make a consumer report containing any of the following items of information.any. adverse items of information other than records conviction or crimes antedates by the report by more than 7 years.

15 USC 1681 s - 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 2023-03-03
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX XXXX. XXXXXXXX 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, 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 2022-05-24
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Goldman Sachs Bank USA is attempting to bully me into paying off a {$20000.00} loan I never took out by filing a lawsuit against me, as of XX/XX/XXXX. But Goldman Sachs had already recognized in XXXX that this was a case of theft of my identity. 
Their debt collection authority, XXXX XXXX XXXX, first contacted my wife and myself on XXXX XX/XX/XXXX. We immediately telephoned them and gave their representative, XXXX, ample evidence that this was fraud, including the police report, filed on XX/XX/XXXX. XXXX assured us that he would tell Goldman Sachs that the debt was fraudulent, and that I was not to be held responsible for it. 
I am a retiree and have lived in XXXX since XXXX ; until this time I have had a spotless credit record, and have no debts. The person who stole my identity ( name, birthdate, social security number ) lived in XXXX XXXX, where the loan was taken out, apparently on XX/XX/XXXX. I have never lived in OXXXX at any time, and have submitted ample evidence to Goldman Sachs to prove it. 
Despite my strong evidence, Goldman Sachs has not taken any action to end their unjust suit, which leads us to believe that they wish to bring me to court just to force me to pay for a loan I never took out. I am extremely distressed that I have to exercise greater diligence to prove that I am a victim of identity theft than the plaintiffs exercised in handing out money to a conman. 
I will attach the police report, the annotated letter from XXXX re. debt collection, and the document filing suit against me, which mentions the date and place where the loan was taken out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 information was used but not authorized by me

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 2023-07-10
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX  misapplied my payment as a principal only payment and now says Im behind in payment for XX/XX/2023 payment. 
Beginning XX/XX/XXXX they sold my loan to Chase Bank. Now when Ive tried to resolve this Im told to deal with Chase bank. Ive tried to speak to someone but chase is automated and just keeps referring me to automated responses. 
Im very concerned about my credit being damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: TN
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2017-07-26
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To CFPB Case Manager, I have applied to refinance my mortgage with NationStar Mortgage, In early XXXX. I have supplied NationStar Mortgage with all of the necessary documentation to qualify for a refinance. NationStar mortgage has proceeded to put my house in a Foreclosure status, even after I propagated all of the necessary documents, which view that I meet their standards to refinance the property, i.e., XXXX XXXX XXXX, XXXX, MD XXXX. NationStar are breaking all of the government regulations, which protect consumers from large entities such as they, who take advantage of the elder and consumers. I would like to keep my house, which my XXXX adolescence children currently reside.
NationStar has proceeded to Foreclosure on the property, which I purchased on XX/XX/XXXX. As a consumer I know that NationStar are discriminating against I. I would be more than gracious if the CFPB would assist me and keeping my house, which I and my XXXX  adolescence children currently reside. I believe that I 'm experiencing, i.e., Red-Lining from NationStar Mortgage.
Mortgage # XXXX Property : XXXX XXXX XXXX, XXXX, MD XXXX  Thank You, XXXX XXXX XXXX ( Mobile ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Upon reviewing my updates, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : 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 2020-06-08
Company: Fay Servicing, LLC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Never wanted our mortgage Servicer to change to Fay Servicing from XXXX XXXX. I read bad reviews & complaints about Fay Servicing. Always, constantly having issues. XXXX kept payment & kept trying foreclose & put my name on foreclose several times on court records, when mortgage was in modification. I was told that they only start at 5 % with modification when ours was 2 %. Then they told me I had get / pick own ins. So I did, then they forced place insurance making payment go up. When talk to representative Im told their placed ins taking off but when transferred to customer service told 2 forced placed ins and caused problem to run modification payment higher & messed up escrow. Figures not add up & charging wrongful fees. Our modification payment should be XXXX not XXXX. I feel they are wrongly forcing insurance & not honoring modification guidelines. I feel deceived and hard trust their practices. Consumers deserve be treated fairly and no extra cost when trying get only home paid for without added fees & wrongful cost. Fay servicing already been sued for same forced place insurance & wrongful practice that still engaging in and wrongfully putting on me & other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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

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 2022-05-24
Company: EQUIFAX, INC.
State: MO
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:
These hard inquiries are not mine. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US Bank has frozen and restricted my checking account with an outstanding balance, informing me the account is set to close and I will be receiving a check in the mail. They have not closed my account officially or sent the check. US Bank needs to either make my funds available to spend/transfer online or proceed with the account closure and disperse my funds in a check immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-08
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2020 an derogatory account was reported for the amount of {$12000.00}. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ) .I am in desperate need of this account being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 {$480.00} was withdrawn from my account via ATM machine at a XXXX without my authorization. My card never left my possession. I notified the bank soon after. Once they did their investigation, they said I authorized the withdrawal. Which I did not. In the same letter, they said I have the right to request the information they used to come to their conclusion. When I called to request the information ( evidence ), they said I would need a subpoena. Needing a subpoena via a lawsuit was not mention in the letter. 

I am a senior on Social Security, I can not afford to get a lawyer to get a subpoena. However, I really need my money. I do not believe they investigated. I need to see the evidence they have that proved I took the money via ATM.

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 2023-07-10
Company: CITIBANK, N.A.
State: NY
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:
I have reached out to Citi Bank on multiple occasions, most recently a notarized request, regarding their reporting of a settled account. Each time I reach out to Citi Bank referencing the account number THEY ARE REPORTING to all three credit bureaus, Citi Bank replies that this account number is invalid or incorrect. *see Citi 's attached response I am assuming this is Citi Bank 's way of getting around an actual reply... to say they don't know what I'm talking about even though I'm referencing THEIR reported account number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was applying for a loan and I was told about these items listed on my credit report back in XXXX. I started getting threating letters XXXX and Six months later I was served papers from Portfolio Recovery Associates llc that I was being sued. I'm filling police report for these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This has been on my credit report for quit sometime. I have tried to dispute to through the credit bureau but it is still on my report.The original creditor os XXXX XXXX and I have called them and both times I hae=ve been told I have no out standing account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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 reporting act XXXX  XXXX  acct # XXXX, has violated Has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency Can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not Treat a payment on a credit card Account under an open End Consumer credit plan As late for purpose.

Company response to consumer: Closed with explanation