BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: MN
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXXXXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}.

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 2022-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The company representative that contacted me via phone regarding the damage check was rude during both calls and hung up in my face on the XXXX call. I asked her twice to contact me after work hours because I can not answer my phone. She harasses me by contacting me during my work hours and I am never able to answer. I took her call once during a meeting and told her I was in a meeting. This is the XXXX call where she hung up in my face. I am being treated like this because Im XXXX. 

During the first call she accused me of living about the body shop being real and about having damage to my vehicle. Never been treated this way in my life. I dont know who her supervisor is so I cant complain. 

Please locate her superior so I can make a formal complaint. I do not have her name, I dont believe it was given. Also, I was not given a direct contact number. Just the number for the bankruptcy auto department payment line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: NATIONSTAR MORTGAGE LLC
State: WY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
Contacted Champion Mortage about closing and payoff for home as of XX/XX/XXXX. I have not received any information from then to this date.We need to sell this house because no longer residing there. Champion Mortage seem to be blowing us off with the final pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
When I use my Chase debit card, of which I am the only person listed on the account, Chase sends an email to an address that I have never authorized. There is nothing in my online profile that shows this email, only my email account is listed, yet every time I use a point of sale terminal, it sends an email to some other address.

I have been working with Chase for 4 weeks to no avail about the security of my personal financial information to no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
CASE # XXXX respondent states records are only kept for Twenty Years. NO record found. This CD was issued in XXXX it is now XXXX FIFTEEN YEARS! bankers that can not do ample math. With no record found, it is easy to conclude someone has reached the record! Is that the one who has the {$20000.00} Dollars? Something needs to be investigated here. The simple answer would be that I have the funds with documentation to back it up. They simply state no record. Anyone with reasonable intelligence would conclude some impropriety has occurred. Please find a definitive answer other than " Who Knows ''/ sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Atlanticus Services Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX {$340.00} XX/XX/XXXX {$440.00} XXXX XX/XX/XXXX Called way back in XXXX of XXXX to report these charges were fraud and not recognized on my account. Filled out dispuite forms sent them in and waited months and months to here from someone despite calling several times. I was not in possession of my aspire card at the time of the transactions I called and reported these I received a bill in XXXX that had a credit balance of {$1100.00} on XX/XX/XXXX XXXX statement had a balance of XXXX cents this after several charges went through. I get my XXXX statement and the balance is {$780.00} I called in to see what these charges were since everything had cleared my account in XXXX and I had no balance and hadent used the card. I was told several different things non of which is correct. Aspire has added on late fees and interest charges to this balance that is not oqrd to them. When I called in asking why these charges were back on my account I got a nasty person who stated they were not going to be removing these charges cause I had logged into aspire platform for the previous three months when I tried to explain to her that the charges weren't on the XXXX or XXXX statement and that when I saw them on XXXX Imiditely called them she refused to listen to me they coled my account out cause I refused to pay for bogus charges. And reported this to the credit buro I want my account reopened charges removed and report as current to the credit burro. I reported these charges in a timely manor and recived little to no help from aspire card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Self Financial Inc.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened up a self-builder account back in XXXX through Self financial, Inc- with the intention of building credit. At the on-set of establishing the account, and in the signed agreement between Self Inc and myself, the company is to return all monies given to them ( security deposit ) at the end/completion of the term. This account remained in good standing through the duration of the loan, and once I met/satisfied the terms of the loan, I was given the option to either a ) have the deposit of {$500.00} returned to me or b ) convert the money into secured credit via a Self-issued credit card. I decided to have the deposit rolled over into a credit card and used it on/off for months. Fast forward to Wednesday, XX/XX/XXXX - I received an email from self out of the blue that my account was scheduled to close in 24 hours, and if I had any questions, to contact them. I immediately replied to the email to let them know that I did not request for my account to be closed and asked for them to provide more information on why I was receiving the email. They responded, alleging some " suspicious activity '' and that they will be holding my payout until they conducted " further '' review. I called countless times to speak with someone about the account, along with inquiring about this suspicious activity they were alleging. Noone could provide me with further information, nor did I receive any correspondence to my home. It is bad business acumen to not provide consumers with details surrounding their accounts, especially when you are alleging suspicious activity. I did some more research only to find that many people encountered this same situation when they were inquiring about their deposit/pay out. As it stands, I have not gotten a response to my last two email ( s ) and I am owed {$390.00} from this company. I would appreciate if they return my deposit - that it RIGHTFULLY mine. They can't just keep my money like that. Return it per the agreement. This is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Vengroff Williams, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My work company XXXX did a BIG MISTAKE by putting me on the wrong system, and send me wrong paychecks Amounts. After I compliant they discovered THEIR MISTAKE, they sent me an official e-mail that they Will NOT ( NOT ) be collecting the overpayment. 

Then I surprised that XXXX 's XXXX XXXX XXXX XXXX Called " The XXXX XXXX XXXX '' asking me for this amount back through Collection Company Called " Vengroff Williams Inc. '' Contact Person : XXXX XXXX of US {$320.00}, letter issued dated on XX/XX/2021 Although, While I asked this lady XXXX XXXX from the collection company over the phone call conversation dated on XX/XX/2021, Do you have any Invoices or any documents for this amount? 
She answered : NO ( NO ), It's just some information sent to us. That is a Fraud.

So, I informed her that is illegal to ask anyone for a collection amount while you don't have any prove or any documents ... but she ignored my words and sent to me TWO letters asking me for this amount of : US {$320.00} from " THE XXXX # XXXX ''. 
I received those two letters in the same time : One issued dated on XX/XX/2021 ( before even contact me to inform me that she has NOT any documents for this amount, It's JUST Information '', The other one issued dated on XX/XX/2021 XXXX next day of phone call ) with document from XXXX XXXX company The XXXX Evidences : Please find attached : 1. Official e-mail from XXXX stated that they will NOT collect this error overpayments. 
2. Letter from collection company " Vengroff Williams Inc. '' sent it WITHOUT Support documents. 
3. Phone call from " Vengroff Williams Inc. '' dated on XX/XX/2021 @ XXXX from Phone # : XXXX Outcome : Please disputed this FAKE amount of US {$320.00} as soon as possible and I want the CFPB to publish this description on Consumerfinance.gov so that others can learn from my experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions 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:
XXXX | XXXX | XXXX In Fact, and truth, Bureaus violated my rights even more so in accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my credit report. 

The Credit bureaus state my account was properly investigation but how is that possible if when I contacted the Debt collector agency, they could not provide me with Privacy disclosure : their ability to retrieve my private information and how it was transferred from original creditor. No documentation including or showing interest charges, payments, credit fees associated with the acclaimed amount owed was provided by credit collection agency. No full account number was provided by the collection agency to and Credit Bureaus because that information is redacted if full privacy disclosure is BREACHED. ) This grounds for removal. 

They also violated the law because according to : 15 USC 1681 Section 602 A. States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1692. ( c ) ( a ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 
15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 
15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 
of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

I did not give anyone 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 2023-07-28
Company: FIRST NATIONAL BANK OF OMAHA
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage with FNBO in XXXX XXXX, IL. The loan was through XXXX FNBO. XXXX is now holding the loan. 

We have not been able to access our loan for a year, online and do not get proper statements without calling to request them, and then it takes 3 weeks for the letter to get to us. FNBO say that we do not have a mortgage with them. XXXX tells us they can not fix the tech problem and tells us to contact FNBO. It has been a complete run-around and we have spoken to no less than 40 people about the issue. The issue is not resolved and we can not see our mortgage at all, the escrow amounts, or our principal payments. We don't even know what we owe at this point. We need this cleared up, asap, please. 

We've had the loan for over 2 years and originally set it up for automatic payments. They are still taking our money every month.

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 2022-11-22
Company: EQUIFAX, INC.
State: NV
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 Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Credit Card ending in XXXX, full Credit Card number XXXX XXXX XXXX XXXX, Expiration date, XX/XX/24 Security Code XXXX, opened XXXX, Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX XXXX Closed XXXX XXXX XXXX XXXX Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX  Account Number XXXX, opened XXXX, Closed XXXX XXXX XXXX ( A ) ( 4 ) States There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Therefor pursuant to 15 USC 1681 ( A ) ( 4 ) I the consumer own my right to privacy, It can not be taken away, and there is no such thing as a public record for a consumer. I did not give my right to privacy to Transunion to publicly report anything. Pursuant to 15 USC 1681 ( A ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. A consumer reporting agency can not furnish an account without my written instructions. I would like to state that Transunion is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer, I the consumer never gave Transunion any written consent to report anything on my consumer report. No consent is Identity theft. I have enclosed a Identity theft report which states the XXXX closed accounts and a Inquiry are being illegally furnished on my consumer report. If they are not removed I will not extend my credit my credit to anyone or allow Transunion to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reports.15 USC 1681 ( a ) ( 4 ) states ( a ) Accuracy and fairness of credit reporting ; ( 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. Transunion is violating the united states codes and should delete these items off of my consumer report or face legal action.

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 2021-07-26
Company: Radius Global Solutions LLC
State: PA
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-11-22
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX unauthorized Zelle transactions of value {$100.00} & {$200.00} happened on XXXX XX/XX/2022 early morning. I don't recognize this transaction, neither do I know the recepeint on the recieving account nor have I initiated this transaction. 
I was sleeping when this transaction occurred with the phone in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Months ago I was using my Bank of America Checking account for my personal needs, get my paycheck the companies I work with and everything was ok. 
One day I went to the branch located at XXXX XXXX to request the cancelation of my credit card once I wanted to be free of Debt. Once the employee ( Think his name was XXXX, but not sure ) saw the type of account I was using, he told me there was a better account to avoid my maintenance monthly fee, just setting a minimum Direct deposit and it would be cheaper than the XXXX dollars I was currently paying, that sounded good and I accepted the product change. A few months later I was checking my statements and I found that the new type of account the employee gave me comes with a XXXX dollars Overdraft fee and he never told me about it, it was supposedly better for me and now I see Ive paid 2 Overdraft fee in XX/XX/XXXX in  XX/XX/XXXX in XX/XX/XXXX. Which means {$150.00}, In XXXX when I found what was happening I started changing my paycheck to another bank and I called to customer service to inform about this and claim the funds once nobody told me and I felt abused, but they told me that I should go to the branch and put the claim there, they cancel my debit card stating that once the close the account I couldnt get any money back. I went to the branch one day and Ive waited for 20 minutes while the person at the door could find someone who could take care of me and they were just in the back talking and talking and then Ive been told I could wait until the same financial advisor could talk to me. By the way not in a nice way. 
I dont understand why they didnt help me and customer service just said they couldnt either.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XX/XX/XXXX called and verified all my info .told correct info spoke with a representative and he told me everything was good to go! Called back today as someone is telling me something different. Manager rude. I mailed certified letters also contacted the original creditors. The creditors told me to contact the credit bureaus. Im not sure why they havent received or gotten clearly as a client I did my part Inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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