BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I went into Wells Fargo back in XXXX for a regular fixed rate mortgage ( term 30 years ). We began making payments. The mortgage loan was for {$80000.00} ( XXXX XXXX dollars ). Fifteen years later -- -we still owe more than {$52000.00} ( XXXX XXXX XXXX dollars ). Our payments were not fixed. The payments ranged from {$420.00} to over {$1000.00} a month. We are both XXXX since XXXX XXXX XXXX. We wrote to Wells Fargo and they sent us back tons of paper saying that we agreed to some kind of equity loan. That's not true. We simply asked for a fixed rate mortgage. Each time that we went into the bank, we said we were paying on our mortgage, after some time, the teller would find our account and have a strange look on their face for a brief moment. I always wondered what was on the screen the teller looked at.So far, they've gotten about {$240000.00} from us. We still owe {$52000.00}. As a minority, we believe we were taken advantage of. We believe we are victims of predatory lending by Wells Fargo. Can you help us? It's XXXX and will still owe {$53000.00} and have made all of the payments ( even during the pandemic ).

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 2021-04-05
Company: EQUIFAX, INC.
State: AZ
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:
My fourth letter to this bureau regarding an inaccurate item. On XX/XX/XXXX a dispute letter with supporting documents was sent to the bureau and I have yet to get a response. I have been in process of trying to get a mortgage and this card has hindered that process and I am disappointed in the way this has been handled. I am sending in my this letter today with more supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: SC
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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Freedom Mortgage Company
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Freedom Mortgage Corporation is trying to collect payments from an alledge debt. 
We sent a Debt Validation letter with exhibits back in XX/XX/2021 via USPS Certified mail, but the Debt Validation letter was never answered. i have the tracking confirmation that confirms that Freedom Mortgage Corporation received the mail on XX/XX/2021 at 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 2021-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
After observing fraudulent charges to my Bank of America checking account, I promptly called Bank of America to report this on XX/XX/XXXX. The total of fraudlulent charges were {$340.00}. I was referred to Bank of America Claims/Disputes Department at XXXX which I called immediately and reported the aforementioned details. A Bank of America representative informed me that they would investigate the charges, a investigator would be contacting me via mail, and the claim would be processed within 30-60 days. Since XX/XX/XXXX I have made numerous calls to the Bank of America Disputes Department to check on the status of my refund. With each call I was continually told that an investigator would be calling or sending me a letter on the status. I never received a phone call or letter on the status of my claim from a Bank of America investigator. Fraudulent electronic charges were withdrawn from my checking account with Bank of America in XXXX, Texas between XX/XX/XXXX thru XX/XX/XXXX. I did not make any of these online charges nor authorize someone to act on my own behalf. The totality of the fraudulent and dubious charges in the amount of {$340.00} to my account came from XXXX XXXX, XXXX, XXXX, and XXXX. These types of online transactions to my account clearly should have alerted as Red Flag indicators to Bank of America. As my bank spending reveals, I have never had any history of making any online purchases or international purchases with bank accounts. I have made several requests both verbally and in writing that these unauthorized and fraudulent withdraws from my account in the amount of {$340.00} be refunded. Additionally, I filed a police report regarding these fraudulent withdraws from my account with the XXXX County Sheriffs Office in XXXX, Texas. 
Today, XX/XX/XXXX, I received a " blanket '' letter that Bank of America is denying the fraud claim. The Bank of America letter had no assigned name of the sender. I have not been provided the name of the investigator who processed this claim. Too, I called Bank of America to request a copy of the investigator/claims report for this denied this claim and I was denied my legal right to that documentation. 
Again, these unauthorized online withdraws to my account from these foreign entities were not authoirzed by me and I am requesting a full refund of all highlighted fraudulent charges totaling {$340.00}. 
Bank of America was grossly neglegent and void of implementing standard security alerts to my account and Bank of America undoubtedly failed to investigate with dilegence to justly resolve this claim.

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 2023-09-06
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was recently a victim to fraud where a company I never heard of charged my card {$580.00}. I made a claim with my bank ( Bank Of America ) and they put the funds back in for me but I just got a letter saying that my claim was denied and now they are taking back the temporary claim.

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 2019-06-26
Company: AES/PHEAA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/XXXX : Approved for In-School Deferment from XXXX XX/XX/XXXX : Received correspondence that a payment in the amount of {$230.00} due on XX/XX/XXXX XX/XX/XXXX : Called and spoke with a representative about this error, notified that nothing has changed with my enrollment status at the University of XXXX XXXX ( XXXX XXXX for summer semester ). Put account under review, was told not to take any action and that no new paperwork needed to be submitted. 
XX/XX/XXXX : Re-uploaded copies of emails, enrollment status from XXXX, and emailed asking for written confirmation that my account was under review and that no action was necessary on my part, and that I would not be penalized as the borrower - ex : accrued interest, negative impact on credit, eligibility for PSLF Program, eligibility for future in-school deferment, etc. 
XX/XX/XXXX : Called and spoke with another representative who stated that my account was put under review again and would put my account on a 60 day deferment based on this issue and the time it was taking to be resolved. I would see a change in my log-in notifying me of this on the FedLoan webpage in 5-10 business days. 
XX/XX/XXXX : Fedloan Servicing responds to email sent on XX/XX/XXXX, stating that their " records indicate that I was in contact with their office on XX/XX/XXXX and received assistance regarding the inquiry of your email. '' XX/XX/XXXX : Email from FedLoan Servicing reminding me that my student loan payment was due, in the amount of {$230.00}, on XX/XX/XXXX. 
XX/XX/XXXX : Log in to FedLoan Servicing account to see that new balance owed has shot up to {$460.00}. Emailed FedLoan Servicing with another request for written confirmation that my account was under review, and would not face any penalties as the borrower due to an error on the part of FedLoan Servicing. Inquired as to why amount owed has shot up to {$460.00}, when this account is supposedly frozen and under review. All statuses on existing loans on this account read " DELINQUENT ''. 
XX/XX/XXXX : Filing a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/21 Citibank closed out my account I was a customer for 3 or 3 1/2 years now until this day XXXX they still have not told me why or what happened ( I have a idea but they did not do a investigation or anything they just close my account ) basically they sent me a letter saying they would mail me a check for the funds remaining in my account which was between {$2800.00} - {$3000.00} in that range/area I ent to the branch in XXXX They have been acting funny about my funds Ive called and visited the branch XXXX XXXX XX/XX/XXXX and XX/XX/XXXX they said they can not issue me any funds I have to wait for a check In the mail. I received a letter XXXX saying if I needs my funds sooner I can go into the branch.I called the fraud or what ever department listed on said letter they said I was always able to go into the branch and get my funds. On XXXX I got back into the XXXX  branch again and when I did they told me on XXXX they already mailed out a check. I spoke to Citibank representatives I called 5 times XXXX XXXX XXXX XXXX and today XXXX and I spoke to supervisors 3 time every time I speak to them I ask when am I getting my check and exactly how much will it be? They keep saying its a confidential matter and they cant discuss it any further with me and hung up and this has been 5 times and I felt that its XXXX for a supervisor or representative to hang up on a customer. Im XXXX  at this point. And that was my loan and credit card company money I need my money ASAP my credit score has dropped and I now have have missed payments smh

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 2023-10-19
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have been illegally billed by an XXXX XXXXXXXX XXXX XXXX XXXX XXXX' for XXXX 's of dollars. The most recent charge is {$190.00}. I was never mailed notice as required of this recurring charge. CitiBank will not assist me. XXXX XXXX is in violation of local, State and Federal Laws. Automatic renewal is one of the critical areas in consumer protection and notice is required. I have had no notice. Citibank is not responding properly to my fraud request saying this is not fraud when it clearly is fraud. THERE was no notice. That is illegal.

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 2023-06-11
Company: ENCORE CAPITAL GROUP INC.
State: NY
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:
I was notified by XXXX XXXX courts I was sued by XXXX XXXX XXXX for a credit card debt that was not on my credit report, I have no knowledge of this debt and they froze my chase account and took XXXX. I went over my credit report and this account was charged off in XXXX. It's over the XXXX year debt and it's violations of my consumer rights. 

When I called the attorney XXXXXXXX XXXX XXXX I was told I should have showed up to court and got hung on. I called back and tried to tell the office they have the wrong person and was told they do investigate and its my debt. 

I never heard of midlanding funding LLC. I tried calling there company was giving the run around In the last XXXX years I have been battling XXXX and was in and out of the hospital. They took my whole XXXX check, and left me with nothing. 

I requesting my money back in the amount of XXXX How can you sue someone for debt that never appeared on your credit report or charged off. 
This is the paperwork I received in the mail after I called and called each company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: PA
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 has been unauthorized sharing of my personal information with unauthorized third-party agencies such as XXXX, XXXX, Experian and more. I never authorized sharing my transaction history. This is a direct violation of my rights according to the consumer law that Congress passed to protect me. In section 1681a ( exclusions ), it states reports containing information solely as to transactions or experiences between the consumer and the person making the report shall not be included on the consumer report. My privacy is huge and it has been violated.

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 2023-04-18
Company: CCS Financial Services, Inc.
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
no kowledge of debt collection that companies are trying to get me to pay on. I didn't try any loans or apply for anything that would change or show up on my reports. I'm worried someone may have accessed and use my information and made these charges and changes to my report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, 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'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and i haven't received any investigations results.

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 2022-06-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX {$250.00} XXXX XXXX XXXX XXXXXXXX Reported XXXX. XXXX {$700.00} XXXX XXXXXXXX XXXX XXXX/ XXXX XXXX XXXX Reported : XXXX. XXXX {$3100.00} 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 authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: CURO Intermediate Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Speedy Cash keeps adding a account to the credit reporting agencies after it has been removed several years back it was reported to this commission the consumer financial protection bureas and it was reported and removed from all 3 XXXX  and from XXXX  and from XXXX, I am utterly confused on how this company can manage to put this debt on here after it was removed from all 3 credit reporting agencies. Consumer finanace has record of this account and I am not sure why they keep allowing this account to go under collection status. This company attempted fraud and when I applied for a loan toook all the money out from my bank account without my permission. I think its time to lawyer up and see everyone in court, federal court or state court. 
ACCOUNT NUMBER XXXX HIGHEST BALANCE {$560.00} CREDITOR INFO XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX LAST REPORTED XX/XX/2020 ORIGINAL CREDITOR 01 SPEEDY CASH RESPONSIBILITY Individual ACCOUNT DISPUTED No ACCOUNT CONDITION Derogatory REMARKS Placed for collection Inaccurate Info?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: EQUIFAX, INC.
State: MI
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:
Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation