BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I know back in in 2010 I had a Wells Fargo and thing was not adding up

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This is a formal complaint against XXXX XXXX XXXX located in XXXX TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress.  For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. 

They are reporting an account on my credit report that was opened in XXXX and charged off in XXXX, which is well past the allowed time for reporting to the credit bureaus. They have illegally re-aged this account and recently sold it to a collection agency that filed a lawsuit against me, which I hired a lawyer for and won the lawsuit, given the violation and expired statue of limitations. I have disputed directly with the credit bureaus on this account and XXXX continues to respond as account being verified, but fails to provide me with proof. 

Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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'm not using any third party for this matter and I represent myself by myself. Please note, this is not a duplicate complaint, this is complaint due to new evidence. On XX/XX/2021, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau, and I got a letter from them on XX/XX/2021, stating '' They do not report any bankruptcies to anybody ''. So if that's the case. How did the credit Bureau verify my bankruptcy as 100 % Accurate? XXXX never did a fair investigation according to the 15 USC 1681. This is the name of account as it listed on my report XXXX XXXX XXXX XXXX. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbor, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to:15 USC 1681 section 602 A. States I have the right to privacy. According to 15 USA 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USA 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 causes to believe that the information is inaccurate. this record must be deleted from my XXXX Credit REPORT. Only XXXX has reported this information on my credit history. I have attached to this copy of letter to the court and from the court. Copy of my social security number and my ID, proof of address, so you can verify my identity.

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 2022-09-08
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I obtained a debt consolidation loan through my bank XXXX XXXX XXXX. They paid XXXX  XXXX XXXX ( Comenity ) credit card on XX/XX/2022 in the amount of XXXX and the check cleared my bank on XXXX XXXX and they refuse to remove the balance from my account. I have put in three disputes with the company and they have not even tried to contact me. I have also sent in where the check cleared and the money was removed from my bank. Last contact was today with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Its a crime and SLS robbing me. I am requesting SLS referred to department for criminal complaint. 
SLS applying more than the amount of property tax bill and robbing again and again for financial mismanagement of payments. 
For XXXX property tax is {$3300.00} divide 12 months is {$270.00}. 
7 I have been charged {$2700.00} for 3 months while payment should have been billed {$830.00} I have been charged for close 9 months property tax while as we are still XXXX or third month of the year. 
For 4 months I have been charged total of {$1.00}, XXXX ( XXXX x XXXX ) For 3 months I have charged total of {$1000.00} ( XXXX x XXXX ) STATEMENT DATED XX/XX/XXXX. 
Four payments of {$420.00} OF ESCROW AND IS WHAT PART FOR AND PROVIDE COUNTY TAX BILLS. I HAVE BEEN BILLED FOR 4 MONTHS {$420.00} TOTAL OF {$1700.00} how did SLS came up with figure? 
Three payments of {$350.00} OF ESCROW IS WHAT FOR PROVIDE FULL BRAKE DOWN OR ITEMIZED BILLS WITH COUNTY TAX BILL HOW DID SLS CAME UP WITH THIS FIGURE. 
According SSLS when the loan was transferred on XX/XX/XXXX payment was due from XX/XX/XXXX which means total of 43 payments. At that time my payment was P/I ONLY OF {$920.00} X XXXX = {$38000.00} OF {$60.00}, XXXX {$21000.00} has been stolen. This should refer by be law enforcement for criminal investigation such as FBI, DOJ for financial management. 
Of the {$60000.00} {$17000.00} payment applied and from 1 and 2 contradicting this should be referred to law enforcement for criminal investigation such as FBI, DOJ for financial management. 
Of the {$7800.00} payment applied {$2700.00} for 9 months and it should be 3 months only and over billing me this should be referred to law enforcement for criminal investigation such as FBI, DOJ for financial management. 
I have been robbed close {$50000.00} I made request in complaint for refund in prior complaint this he been and denied this should be referred to law enforcement for criminal investigation such as FBI, DOJ for financial management. 
Response to CFPB complaint dated XX/XX/XXXX states SLS paid {$720.00} to XXXX for home insurance for no reason. XXXX XXXXXXXX XXXX informed SLS I was paying my insurance and SLS should be paying insurance. I have paid my own insurance. My insurance form XXXXXXXX no payment has been made so SLS should referred to DOJ, FBI and law enforcement for criminal investigation. 
SLS does not payment or any other any other form confirmation from insurance company. SLS and every other mortgage needs declaration page of the insurance. When it to my attention around XX/XX/XXXX I provide declaration cover page. Confirmation form SLS is attached. 
CEO of SLS should get arrested.

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 2018-08-28
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: Their investigation did not fix an error on your report

Complaint:
As of XX/XX/2017, the new law states that no public records, civil judgements or tax liens will report on your credit report. I have contacted each credit bureau regarding the new law XXXX removed the public records however Equifax   and XXXX  still will not remove the public records from their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have Bank of America Business XXXX XXXX account. It's so difficult to work with this bank- totally inefficient, large, long wait times and good for nothing customer service folks, useless processes. 

Can you imagine, that if one want to send money in and out of this account - there is no ACH? There is no free checks? There is no easy way to setup XXXX. 
How in the world, this useless and totally inefficient bank is forcing the customers to have a debit card to use XXXX - i never heard of that.

Even if debit card is required - enable online debit card order - rather then letting the customer wait for 30 minutes on the chat and 15 minutes on the call. 

Very basic information like account # and routing # is not accessible.

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 2021-08-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
my name is XXXX XXXX and i have a housing choice voucher for homeownership. i closed on my home in XXXX  of 2020. XXXX XXXX housing authority pays part of my mortgage and then i pay part of the mortgage. i have been told this is a dual payment option. Pennymac is the servicer of my loan and they continue to harrarras and threaten me on the phone that they will be filing a lien on the property for nonpayment yet XXXX XXXX and myself have verified ALL mortgage payment have been made timely. they have poor record keeping and they are ugly and threating to take my home.i am very stressed out as im XXXX, currently XXXX  with XXXX children to care for i do not need this XXXX. i don't understand i am paying my mortgage im making sure the housing authority is making the payment. this is just discriminations from PennyMac to take my home. i need help now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: MOHELA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
The first 2 times I called the XXXX  number for MOHELA, after typing in my identifying information, the automated system said MOHELA did not have my application on file or me in the system. The next time I called I was able to make some progress ( they could identify or recognize my account ) but I was disconnected before I was able to talk to a person. The third time I called was XX/XX/XXXX and I talked to a nice young woman who listened to my appeal and put me on hold while she spoke with her supervisor. She returned and said that she was going to transfer me to her supervisor for more help. I remained on hold for 3 hours and 8 minutes but was finally disconnected. Here is my appeal : I applied for the PSLF because I XXXX in XXXX XXXX XXXX for XXXX years. MOHELA says that I have 90 qualifying payments of the required 120. It is my understanding that the first 5 years of my service did not qualify as payments because I had filed a XXXX XXXXXXXX XXXX ( due to failed XXXX XXXX during the great recession of XXXX ) the year before I started XXXX  and was not allowed to make payments during that time. HOWEVER, during my first years of XXXX, the U.S. Department of Education did receive a lump sum {$17000.00} from the bankruptcy courts on my behalf. If I had been making payments during that time based on my income, they would have received approximately {$13000.00} over the 5-year period, much less than the lump sum of {$17000.00}! I could understand that time not eligible if I had filed a XXXX XXXX and no payments were made but I thought I was doing the more honorable option because I wanted to pay as many debtors what I could for as much as I could. The U.S. Department of Education received a substantial amount of money from me through the courts during the first 5 years of my XXXX XXXX. What is especially frustrating and should be considered criminal is that I specifically asked that my student loans NOT be part of the bankruptcy because I wanted to make payments. I even submitted a written request XX/XX/XXXX ( see attachment ) to have the " suspension of loans '' taken off so I could start making payments. I was refused! Under the Limited PSLF waiver, if no payment, late payment and wrong plan counts as eligible why cant payments made during XXXX XXXXXXXX count? Please help me get credit for the first 5 years of my XXXX XXXX ( XX/XX/XXXX to XXXX ). OR AT THE VERY LEAST - credit the remaining 30 payments that I have left on my current PSLF application. I XXXX for 13 years in the poorest of poor neighborhoods, with limited resources, where I gave my heart and soul to those children day after day. Thank you for your time and your kind consideration, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
American Express has sold out to the Merchants!

Beware as they are no longer protecting the cardholders!!!! 
They used to be Great! 
Im a senior with a serious XXXX XXXX and this situation where the dentist is trying to keep my deposit is very stressful and wrong. 
Seems American Express is helping him steal my money .My friend works for the XXXX  XXXX and will be submitting my story to be published so that people are aware how American Express has changed and deteriorated. 
I have been defrauded by a Dentist and for five months they have done nothing except are trying to charge me back for services never received and Ive already paid super inflated charges by a fraudulent Dentist for the couple of services he did. 
They have evidence from 2 Reports from 2 reputable dentists and Amex is ignoring it. Amex has now outsourced the Dispute dept and its a disaster.

You end up talking to twenty different people who dont understand and can do nothing! 
On top of it My cardholder agreement gives me the right to Dispute a charge but they are denying me this right which is illegal a lawyer told me!! 
On top of it this nightmare been going on since XX/XX/2022 almost 5 months. 
My lawyer wants me to sue them. 
Consumer Financial Protection needs to investigate their unethical tactics and my breach of contract by Amex for not allowing me my right to Dispute. I have it recorded as they denied me 5 times even though they know its in my agreement. 
They have forgotten who pays them as Ive been an excellent customer of Amex over 32 years and have received no appreciation or loyalty from them. 
They sold out as I guess they figure there is more money siding with fraudulent Merchants. 
You can publish this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Ability XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # 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 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 2021-08-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 acct # 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 XXXXXXXX XXXX acct # 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Was purchasing XXXX XXXX Tickets from a XXXX XXXX XXXX on XXXX we discussed for about 30 minutes. She was transferring the tickets to my XXXX, I sent her {$100.00}, {$100.00} after fees to her PayPal at XXXX. As soon as I sent, she blocked me on XXXX and messenger, and never sent the tickets. I am attempting to get my money back as I was scammed and did not get my tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2021 I sent a letter regarding inaccurate & unknown things on my credit report. To this day over 30 days later I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the Equifax data breach & may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation