BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I pulled my annual report and realized I had damages on my consumer report misrepresenting me and displaying an abusive attack on my character. I have disputed four late payments with Experian, XXXX, and XXXX, as shown in my attached dispute letter. Ive sent an online dispute, certified letters, Fax, and phone calls quoting the laws below. They have not provided proof of their completed investigation and continue to ignore the laws below. As of today, my report still displays late payments, destroying my privacy. 

In accordance with the Fair Credit Reporting Act, XXXX Account XXXX has violated my rights. 

- 15 USC 1681 Section 602 states that I have the right to privacy.

- 15 USC 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

- 15 U.S. Code 1681a provides definitions and rules of construction for the Fair Credit Reporting Act, with specific exclusions.

- 15 USC 1666B prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for a specific purpose.

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 2023-07-07
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: Credit inquiries on your report that you don't recognize

Complaint:
last year I applied I went to different dealers in order to buy my first car, but I didnt purchase the car from any of them, before I applied i asked if they were running my credit report for all of the banks or just XXXX time, and they told me they were soft inquiries, as of right now, i still have all the inquiries in my report and they are preventing me from purchase a house, after I have sent creditor letter of removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: WELLS FARGO & COMPANY
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:
On XX/XX/2023, at around XXXX, I went surfing XXXX XXXX XXXX XXXX in XXXX. When I returned, I couldn't find my keys. I thought I might have left them in my car, so I called XXXX for help. After XXXX opened my car, I realized that my keys, phone, and wallet were stolen. 

In my wallet, I had my Wells Fargo debit and credit cards, driver 's license, and other items. I immediately called Wells Fargo to report the stolen cards. They informed me that there were unauthorized charges of {$3800.00} on my credit card and {$6900.00} from my checking account. I confirmed that I didn't make those charges, and Wells Fargo assured me that they would investigate and freeze my accounts. They also gave me a reference number for the call ( XXXX XXXX ). 

After contacting Wells Fargo, I called the XXXX police department to file a police report ( XXXX XXXX ) for the stolen items and the police arrived around XXXX. I reported the stolen car keys, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo cards, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX 

The unauthorized charges on my credit and debit cards were both made on XX/XX/2023, at the same XXXX XXXX XXXX XXXX XXXXXXXX ) in XXXX XXXX, California. Wells Fargo refunded the {$3800.00} charge on my credit card on XX/XX/2023. But when I inquired about the checking account charge on XX/XX/2023, they denied my claim and gave no explanation. 

Unsatisfied with their decision, I reopened the claim for a second evaluation. On XX/XX/2023, Wells Fargo informed me that my claim was denied again, stating that I authorized the transaction using biometric verification on my phone. However, my phone had been stolen. 

The {$3800.00} charge on my credit card was refunded without any problems. 
The {$6900.00} charge on debit card was posted to my account on XX/XX/2023, two days after I called Wells Fargo and filed the police report. Wells Fargo wrongfully rejected my checking account claim, stating that I authorized the transaction, even though I informed them immediately that I didn't transact after my wallet was stolen. 

Please advise on what I may need to provide.

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 2021-04-06
Company: AmeriHome Mortgage Company, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XXXX, our property has been refinanced three ( 3 ) times with various mortgage lenders with each lender certifying as part of the loan closing process that flood insurance was not required as the property was not located in a SFHA. 

Most recently, our property was refinanced with XXXX XXXX XXXX ( XXXX  ) and the loan closed on XX/XX/XXXX. The loan was then subsequently transferred to AmeriHome Mortgage for servicing on XX/XX/XXXX. As part of the loan closing process, XXXX certified XXXX flood certification # XXXX XXXX that the property was not in a SFHA and hence no flood insurance was required this certification was less than two months ago and is reflected in our closing documents. AmeriHome Mortgage cites Please see the information below in chronological order : - My property was refinanced and closed with no issues on XXXX with XXXX XXXX XXXX XXXX XXXX " XXXX '' ) - On XXXX, I received a " Notice of Service Transfer '' stating that the new servicer of the loan is AmeriHome Mortgage Company , LLC ( " AmeriHome '' ).

- On XXXX, I received a letter from AmeriHome requesting proof of flood insurance. 
- On XXXX, I received a notice from AmeriHome stating that flood insurance was required for the property since it was in a Special Flood Hazard Area ( " SFHA '' ) and that the notice was considered as an attempt to collect on a debt. 
- On XXXX, I responded to AmeriHome via certified letter that there was an error and that the property has not been in a SFHA since XXXX based on a new FEMA FIRM being issued and notification from my mortgage bank at the time, XXXX, that flood insurance was not required as the property was removed from the SFHA. 
- On XXXX, I received another letter from AmeriHome stating again that flood insurance was required without response to my certified letter. 

Bottom line, a mortgage loan was made to me in XX/XX/XXXX and as part of the closing process, certified that flood insurance was not required. Two weeks later, a new servicer states otherwise which is suspect and in my mind appears to be a money grab and violation of Federal law in that due diligence was / should have been conducted during the closing process prior to providing the loan and certainly, if this issue was outstanding, kicking it down to a new servicer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account type : Collection, Account name : I C SYSTEM INC, Account number : 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 an 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 explanation
Consumer complaint received 2019-06-24
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Have faxed more than 10 times see proof, tried to get mail from bayview, never get mail! WHY? sent complaint already for that have power of attorney! No one calls no one send mail of proof received of modification how do i know if i dont call weekly!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Early Warning Services, LLC
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:
The account opened here was opened fraudulently and I was a victim of identity theft leading up to this. The amount of {$3000.00} is not mine to pay off because someone else who abused my trust put in some fake checks that he created, I don't know how, and demanded I put it in my account. The info that is shown on Early Warning database is inaccurate and needs to be removed as I'm not responsible for it as the person who did this is already in prison facing fraud charges. Account number XXXX and XXXX are not mine because I was forced to open them. 
I ask that the XXXX XXXX forgive this and remove this off my report as it wasn't my fault and I was a victim of manipulation and I was barely XXXX and my mind wasn't fully mature yet so I didn't understand what was going on. 
I also ask that the checking account fraud report be removed too as I did not do it but was rather a friend who abused my trust who committed that crime.

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

Complaint:
Opened a new business checking silver account to attain a {$500.00} bonus by depositing {$5000.00} in 30 days and keeping it for 60 days. 

I linked my XXXX XXXX XXXX  using my U.S. bank app and on XX/XX/23 I initiated a {$2500.00} transfer and a second transfer the following day XX/XX/23 of {$2.00} for a total of {$5000.00}. 

The funds were posted on XXXX on XX/XX/23. I could no longer access my U.S. BANK account as of XX/XX/23 because they revoked access to my account and would not tell my why, and still do not tell me why. One thing Im told is that my XXXX triggered e fraud and my account was limited. 

My money of {$5000.00} is missing and still hasnt been refunded and US BANK is saying they never received it nor did it ever complete but I have email stating the opposite and the money is gone from my XXXX account All the Bank managers and representatives at US bank have been lying and deceiving. 

I just want my money back!! Its been over 10 business days

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 2019-06-24
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a unverified account from MIDLAND FUNDING LLC. I have previously disputed this account several times as they have been illegally harassing me for many years at this point. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that MIDLAND FUNDING LLC Cease and Desist all further communications. MIDLAND FUNDING LLC needs to immediately remove/delete this account from my credit report with ALL three credit bureaus and stop ALL contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., they are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against them with the Federal Trade Commission, the Attorney General of both their state and mine, and also their own company management. I also have the right to file suit against them for any future violations of this law. I will record any and all phone calls if they fail to comply with this CEASE AND DESIST. This has been going on for far too long and has caused a multitude of stress for me and my family over the years. It needs to stop now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
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:
I bank with USAA Federal Savings. I have checking, savings, home, auto, Medicare supplemental insurance, all my banking needs. I have been with them for over ten years. Over the course of the ten years their customer service has completely evaporated as they transitioned to an online bank. 

On XX/XX/2023 I reported fraudulent transactions on my XXXX XXXX Credit Card. Its my card and my wife and son have copies as authorized users. The fraudulent transactions were only on my copy of the card. I went on The USAA App reported the fraudulent transactions and they canceled my card and said they would XXXX  a new card ASAP. Since its is now XX/XX/2023 and there is no resolution to my account problem, let me make a long story short. USAA froze all three copies of The Platinum Credit card, I can not get money from it on the app, I can not pay the monthly bills and to this date I dont have any replacement cards. I call almost everyday and get multiple stories, unfulfilled empty promises, zero empathy, less than zero customer service including from supposedly senior banking officials and often time rude behavior. Mu average time on a call to their customer service center is 2 plus hours and NO, ABSOLUTELY NO RESULTS. The worst part is they wont say why or how this happened. They stonewall, lie, obfuscate and generally try to wear you down. I cant tell you how many times Ive been guaranteed my cards would be in my hands in days. Just so you know I filed a complaint to The FDIC and they forwarded it to you saying USAA fell under your jurisdiction. Please help me resolve the rude, inconsiderate and incompetent problem. Thank you for your time and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I mobile deposited {$3800.00} from an IRS tax refund check. On XX/XX/XXXX around XXXX XXXX I received an email that my deposit was being held until XX/XX/XXXX, no explanation. XX/XX/XXXX I woke up to - {$200.00} in my account and my account frozen. Cant use my debit card or add money into my account. Upon calling I was told nothing they could do, check under investigation. I would have to wait till I receive a letter in the mail or until XX/XX/XXXX to make sure the check is paid. Its a government issued check! Called the local branch on XX/XX/XXXX was told my account was being closed due to the fraudulent check. I have the check in my hand from the government and could bring it up there. Nothing they can do until XX/XX/XXXX. Meanwhile I have no access to my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
There are unauthorized businesses on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2023-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: ALLY FINANCIAL INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was impacted on the last XXXX XXXX XXXX, called my auto company Ally Financial and worked out an agreement with them to avoid any negative impact to my credit file. Now looking at my credit file Ally marked me as a 30 day late. Please help

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 2021-04-06
Company: Experian Information Solutions 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:
Experian disputed and account twice XX/XX/2020 and XX/XX/2020 with XXXXXXXX XXXX reporting inaccuracies on and account it says I had and deposit related account 1month term which XXXX was written off XXXX is past due and 10 charge off Experian refused to remove the error stating that they just report what the company sends I explained to Experian you can't have an account with a one month term have a written off amount an past due amount and 10 charge off on the same account and it all be correct they refused to remove the inaccurate information and it has to be disputed a 3rd time they are in violation of the ftc rules XXXX XXXXXXXX was disputed as well same information provided error not removed

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 2022-10-05
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My girlfriend at the time was served with court papers. She advised the person I did not live there at this time and she threw the papers at her. I attempted to get the original debt information and they refused. They stated they are attorneys not debt collectors and would not provide this information. They advised me that if I refuse to provide my personal information they would not work with me on monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute the inclusion of Delinquent Child Support Payments, on my credit report. According to the recent notice from your agency, federal court rulings have determined that Delinquent Child Support Payments do not arise from credit Transactions and should not be reported on credit reports. 

I request that you promptly review my credit report and remove the Child Support Account. I have enclosed supporting documents supporting the inaccuracy of these entries.

Please comply with the new interpretation of the law and ensure the timely correction of this error. Kindly provide written conformation of the removal of the Child Support Account from my credit report. 

Thank you for your immediate attention to this matter. I expect a swift resolution 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 non-monetary relief
Consumer complaint received 2023-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Unable to add authorized user. Added an authorized user and accidentally mispelled the last name. So I went ahead and removed them, to add them with the correct spelling. Capital one is refusing to let me add them. They say once somehow has been removed, they can not be re-added. This seems like a completely arbitrary and illegal rule that no other bank that I've ever encountered in the United States has. Second of all, I am not re-adding the same person technically as the last names are clearly different.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 and XX/XX/2023, I fell victim to a multi-layered scam operation run by criminals presenting themselves as Citibank employs which involved me making deposits for a total amount of XXXX USD from my Citibank account to fraudulent firm ( XXXX ).

Company response to consumer: Closed with explanation