BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-19
Company: Freedom Mortgage Company
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
URGENT : XX/XX/2018 : Called Freedom Mortgage as I sold my home on XX/XX/XXXX and a payoff check was sent to Freedom Mortgage and signed for on XX/XX/XXXX by someone named XXXX XXXX. Spoke to XXXX and explained that the payoff check for my mortgage was sent and XXXX XXXX signed for it. XXXX advised we sent the payment to the wrong address and we " dropped the ball '' on our end. I then immediately asked to speak to a supervisor as it has been two weeks since they signed for the check and my account was still open and they did not know where the check was. Was transferred to XXXX 's supervisor XXXX ( Employee # XXXX ). I emailed the packet from XXXX XXXX as proof someone at Freedom Mortgage signed for the check. XXXX advised she would call between XXXX EST on Thursday, XX/XX/2018. 

XX/XX/2018 : Called Freedom Mortgage as I had not received a call from XXXX. I don't remember the employee 's name from this call but Freedom Mortgage has record of this. I was told by this employee that no research or work had been done on my account and that XXXX was not in the office. I then asked to speak to a manager and was told that this employee 's manager would not talk to me but would call within 24 hours. 

XX/XX/2018 : Called Freedom Mortgage as I never received a call back. Spoke to XXXX. I immediately asked to speak with a supervisor. Spoke with XXXX ( Employee # XXXX ). I  explained my situation and XXXX advised he would reach out to check cashing to see if they had the check and it was not being deposited and if so what the issue is. XXXX advised he would call Monday, XX/XX/2018 by XXXX XXXX EST. I never received a call from XXXX. 

XX/XX/2018 : Called Freedom Mortgage and spoke to XXXX ( different XXXX ).  XXXX had given me his direct number and said I could call him. XXXX advised she could not transfer me to XXXX. I asked to speak to her supervisor and they would not come to the phone and I was advised that she would request they call me back. 

I sold my house on XX/XX/2018 and my mortgage is still open. Freedom Mortgage signed for the check and can not tell me where it is and no one in customer service has helped me or even attempted to look into this. My XX/XX/2018 payment is approaching and I should not have to pay this since I don't own the home and have paid off my prior home, however if I don't pay it, it will affect my credit and I am in the process of purchasing a new home. Additionally, I asked my billing be put on hold and no one at Freedom Mortgage agreed to do this, therefore I will still be receiving a bill.

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 2017-11-16
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I have been trying to get information from Ally Financial for months now. I requested information via mail and through the bureaus and they still do n't respond.

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 2023-12-20
Company: MOHELA
State: CO
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:
The mentioned accounts egregiously violate several federal laws, notably within the framework of the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ). These violations are detailed as follows : XXXX. **Account # XXXX ( XXXX ) : ** - **15 USC 1681a ( FCRA - Accuracy of Consumer Information ) : ** The reported account falls short of the accuracy standards mandated by FCRA, constituting a breach.

- **16 CFR 313 ( Code of Federal Regulations - Opt-Out Mechanism ) : ** Non-compliance is evident through the glaring absence of a clear and conspicuous opt-out mechanism, as required by 16 CFR 313.

- **15 USC 6802 and 15 USC 6803 ( FCRA - Consent for Information Sharing ) : ** Blatant transgressions occur due to the lack of clear consent for information sharing, a direct infringement on privacy standards.

- **15 USC 1681b ( FCRA - Permissible Purpose Requirements ) : ** The violation of 15 USC 1681b underscores a failure to adhere to permissible purpose requirements. 
- **20 USC 1232G & 34 CFR 99 ( FERPA ) : ** Reporting student loan information without explicit consent violates FERPA, which safeguards the privacy of student education records. 

XXXX. **Account # XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX : ** - The same violations as described for the XXXX account apply, encompassing breaches of FCRA and XXXX. 

XXXX. **Account # XXXX ( XXXX ) XXXX ** - The inclusion of this account in the credit report, without explicit consent, is a direct contravention of FCRA 's and FERPA 's requirements, echoing the violations detailed above. 

These violations collectively encompass illegal reporting of transactions, sharing consumer non-public information with non-affiliates, and unauthorized disclosure of educational records. Immediate corrective action, including account rectification and compliance with the stipulated laws, is demanded. Failure to address these violations promptly will result in legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was told an account was going to be purged but I believe it was opened back up in my name and a fraudulent transfer took place. There was also false banking information entered into my XXXX payment account.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-20
Company: BETHPAGE FEDERAL CREDIT UNION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am reaching out today to speak out against the Atrocities that BETHPAGE FEDERAL CREDIT UNION has put me through and that no other consumer shall. 

I applied last XXXX ( XXXX ) for a used automobile loan. 

They voided my approved loan of 6.6 % despite me following up with all necessary criteria. 
Try to get me to run my credit again Then say theyll work with first pull and then try to Jack the rate on me despite me already getting approved. 

Ever since then they have been double charging me on automatic payments I requested this to be stopped XXXX so far They do not care. 

They tripled my interest rate after failing to tell me Im receiving title and need to go to XXXX. 

No issue I still paid every time on time They even lost my money for XX/XX/XXXX payment which I made in branch as I do with all payments after this whole double charge fiasco and tried double charging on XX/XX/XXXX. 


I go into branch for XXXX payment the XXXX and it says a late fee is pending for the XXXX. 

I have requested the card not be charged but yet they continuously charge it in attempt to make extra {$25.00} every time I had voiced my concerns and BETHPAGE FEDERAL CREDIT UNION has terminated my account. They sent me a survey on how I feel and I let them know,

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 2019-02-07
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo had a problem which caused their system to go down. First I was told it was a system update this morning and that it would be fixed in two hours. I told the representative I had no money and that I was stranded. She assured me it would be fixed shortly. When I called back two hours later I was told the system shut down and they had no idea when I would have access to my money. The representatives showed no empathy and basically acted like that didn't care. I understand the system being down is not there fault. However there is no excuse for XXXX XXXX service and rude representatives. They have inconvenienced millions of people yet they have no compassion for those they serve. XXXX XXXX was the only person who showed that he cared and he did everything he could to help me. The rest were rude

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 2023-11-22
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wrote a check for my XX/XX/2023 rent for {$2600.00}. I wrote the check to my landlords trust fund name XXXX XXXX XXXX as i do every single month and somehow some unknown person cashed it. 
I had to pay my rent again that month plus a late charge of {$75.00} ; my claim with the bank was to get $ XXXX {$75.00} refunded. 
Check FraudXX/XX/2023XXXX I went to a bank 's branch to get the claim documents notarized, the bank employee personally faxed the paperwork to the fax # indicated on the claim documents ; this happened on XX/XX/2023 around XXXX PST. 
Today, XX/XX/2023, I received the second denial letter for my claim. The reason for denial states 'we never received your claim package '. 

I called the Bank of America claims department multiple times, escalated the matter, told the customer service representative to check that they have received all documents and yet again they denied the claim due to not receiving the documents. 

1. BofA needs to refund my money that was cashed in error that the bank didn't have a measure to prevent an unauthorized party from cashing it.

2. Why is it so hard to find the freaking documents faxed to them and review the claim properly?

3. I should not be chasing my own money. It's not my fault that the bank failed a critical step of identification and let a wrong party to cash my rent check that was meant for my landlord.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-19
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
To Whom it may concern I have called AMEX relating to my XXXX XXXX XXXX card to inquire if there is an account with no annual fee. That could replace the current card. The lady I spoke with has recommended to downgrade the card to a normal card to remove the annual fee. 

The lady did NOT disclose by doing so it will incur a {$300.00} credit reversal on the account opening promotion. I recall she said she even had to request for an approval before the account can be downgraded. But through out this process she had failed to mention the promotional credit will be reversed. 

Knowing a reversal will happen I would NOT have moved forward with the account downgrade it simply does not make sense. 

I have called the Support Team on Tuesday XX/XX/2022 the lady I spoke with states a case has been created for the above matter and will take up to 10 days for the research team to research the matter with Case # XXXX. 

I have called back on Thursday XXXX XXXX XXXX  this time another lady states the research matter will take up to 3 weeks. At this time I have requested to speak to a Supervisor. The lady states a Supervisor is NOT available and will call back within 24 hours. A week has gone past and I have NOT received any calls from AMEX. 

Therefore, I have called the AMEX Support Team Thursday XX/XX/2022 and spoken with XXXX  XXXX XXXX. XXXX states he is having technical difficulty and was unable to merge the call with a supervisor and states a supervisor will call back within 10 minutes this time around. But after 10 minutes has gone by no one from AMEX Support has called. 2 hours later based on the called ID it seems someone has called from AMEX. But I was unable to confirm because no one was speaking on both call. The call was hang up both times within 10 seconds by the caller. 

Please assist on the matter as I was not made aware of the reversal in promotion offer. The lady simply neglected to mention the matter. 

I'm requesting for AMEX to reverse the account downgrade so the fee can be reversed as well, or to credit the account of the {$300.00} that was paid. 

I have attempted to contact AMEX Support Team but no one is willing to help.

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to stress that the mentioned inquiry on my credit report has no connection to me. I am not familiar with, nor have I ever been affiliated with the listed creditors. I urge you to take swift action to delete this inquiry from my report. Thank you for addressing this concern promptly.

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 2023-11-22
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Once again experian is closing complaints without addressing the issue they further more give explanations that totally have nothing to do with the problem. Experian stole 17 months of on time never late payments to XXXX and refuse to give them back

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 2023-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit 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 XXXX representing himself as founder XXXX XXXX XXXX, New York XXXX forced me to sign 12 month agreement to provide XXXX Chats and Social Media Management for my company XXXX XXXX XXXX number XXXX XXXX 2023. He asked me to docusign this agreement. I could not see the whole agreement since in docusign i just had the front page of the agreement. I was stupid enough to sign the document and give him my BOA XXXX that was charged XXXX dol for 12 months service. I got text message from XXXX cc if this charge was approved that. I started thinking about the one agreement page since I had no any other info on this page no phone no adress no any contact for XXXX  I contacted XXXX fraud department immediately that XXXXXXXX should not get paid that the company doesn't seem right. The credit card was blocked and XXXX sent me a new card but the XXXX dol was still paid to XXXX  by XXXX in spite of me not approving the payment. I was told that start dispute that was rejected. I sent Certified letter to XXXX XXXX as he presented himself to me as CEO of XXXX that was a lie .I was able to contact him via a phone and he started laughing that it is my loss .XXXX rejected dispute claim stating that XXXX  provided service which they did not at all.

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 2018-12-26
Company: Medical Data Systems, Inc.
State: NC
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:
A collection item with Medical data systems is appearing on my credit report for which Im not responsible the debt was previously deleted in XX/XX/3018 at which time it was being reported by a XXXX XXXX XXXX XXXX and has now reappeared with a different collection number I have never had and contract or contact from the new collection company and the address they report has never been my address I have never lived at XXXX XXXX XXXX ln The debt was previously disputed and removed from file and should be removed again as the company had not provided an itemized bill or proof of service or contract to 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 explanation
Consumer complaint received 2023-12-20
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, Im authorizing this complaint on my own behalf. I am writing to express my extreme frustration with the lack of response FROM XXXX regarding my report investigation into discrepancies on my credit report. I cant believe you guys are taking advantage of me. I AM VERY UPSET. The credit bureaus have not responded back to me about my investigation. I sent a letter and it has been more than 60 days outlining the issues.. I need these accounts deleted. These are the items Im demanding to be deleted immediately : - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -TRUIST BANK 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 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX XXXX  : {$130.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : {$83.00} Be notified that this complaint is my follow-up complaint to ensure that the listed accounts are repaired.

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