BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Several years ago I added my daughter, XXXX XXXX, to my accounts at Wells Fargo, thinking that as I get older it would be a good idea to make it easier for her to handle my affairs if I should become ill. 

In XX/XX/XXXX {$7400.00} was taken out of my account, XXXX without my, or my daughters, knowledge or consent. In addition, {$4300.00} was taken out of my account, XXXX, at the same time, again without the knowledge or consent of my daughter or myself. 

My daughter had filed for bankruptcy because of credit card debt. At that time she had a credit card with Wells Fargo, no other accounts with Wells Fargo. She contributed no funds to either of these accounts, and would not have permitted their use had she been asked. 

I have banked at the same place since I moved to XXXX in XXXX, XXXX XXXX which eventually became Wells Fargo. I feel that they should have made me aware of the pros and cons of having a joint owner on an account. 

This comes at a particularly bad time in my life, since my husband had a XXXX in XX/XX/XXXX. I have become his full time caregiver, and needless to say we have had many additional expenses. These funds, of almost {$12000.00}, represent most of my expendable savings. 

Though they claim this was a legal recovery " set-off '', I feel that it was unethical. I would appreciate your help in recovering these funds. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 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 2018-01-07
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President XXXX The basis for my dispute was required to notify me prior to XXXX/XXXX/XXXX, or no later than 30 days after MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, Presidentfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative  derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 
Also, MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President failed to send me my initial communication before placing this alleged derogatorystatus on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve MERCHANTS AND PROFESSIONALS, XXXX XXXX XXXX, President is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XX/XX/XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2019-09-09
Company: IQOR US INC
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Allied Interstate LLC - Called my place of work and harassed me, they committed an illegal action against the Fair Debt Collection Practices Act by calling my place of work.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I obtained my mortgage in XXXX and remained current until XXXX, when I experienced some financial difficulty and subsequently applied for and received a loan modification late that same year. I experienced temporary financial difficulty again in late XXXX by way of my father 's illness and subsequent passing in XX/XX/XXXX. I attempted to begin payments again that same month ( XXXX  ) but the payments were refused ; I was approximately {$7000.00} in default ( with lender+ trustee fees ) at that time. 
Since XXXX, I have attempted 4 times to submit a 2nd request for mortgage assistance ; I was repeatedly asked for more documentation each time, then informed on XX/XX/XXXX, that I did not qualify, although my earnings have remained the same and I have the means to cure the arrears through a modification. 
I initially applied in XXXX and throughout the back-and-forth ; the arrears have continued to increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a Bank of America customer and have 3 checking accounts at their banking facility. I received a loan from Bank of America that was deposited into my account ending in XXXX. However, Bank of America withdraw the loan amount payment, that I owed from my account ending in XXXX, which is not associated with the loan payment agreement. The Bank of America loan agreement stated that funds would be withdrawn from the account XXXX, which is the account that received the deposit. 
I am requesting that my account ending in XXXX be refunded the withdrawal amount and restored to a positive balance.

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 2021-07-14
Company: Nelnet, Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
I have filed 6 disputes with XXXX to have a negative account item number XXXX on my report from US Dept of Education/GLESI ( Great Lakes Education ) to be removed from my report as it is past seven years, was since XX/XX/XXXX, or updated to show status as not past due and removed from negative standing. This account was transferred and sold and I have been making payments so account is not in past due or default status. I have a letter from Department of Education stating that this should be removed as well which I submitted. This creditor was removed from XXXX  and XXXX but XXXX  continues to give me a hard time. I have contacted them multiple times and finally they removed the account on XX/XX/XXXX but then in XX/XX/XXXX they added this account back on my report saying the creditor requested it to be added back on. I have contacted XXXX several times and they cant ever find my dispute or the documentation and keep referring my back to the creditor. I called the creditor 3 times and they say they did not report anything to my credit report as I no longer have any accounts with them as they show my accounts have been transferred. No one will help me straighten this out and it is affecting my current student loans as I am in XXXX school and as well need to send my XXXX to college. The account status of this account is incorrect as it is not over 120 days past due as it has been sold and transferred and has been making payments on. This account should be deleted from my report and XXXX is the only one that is not working on this and ignoring my disputes and keep losing my documentation that is sent in now over 6 times. I ask to speak to a supervisor and they just keep me on hold for an hour with no check ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to Privacy and confidentiality under 15 Usc 1681 Account Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

15 U.S.C 1681c. ( a5 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 an 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 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: EQUIFAX, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
My name is XXXX XXXX, I am a Citi checking account ( account # : XXXX ) holder, as well as Citi credit card holder for nearly four years. I applied the Citibank Account Package on XX/XX/XXXX via a promotion page and got approved. Upon approval, I got the account and routing number, transferred funds details, as well as a welcome emails ( see attached ). I also got my debit card shipped to my address very soon and set up a online user ID to manage it. 

On XX/XX/XXXX, however, I am locked out of the online login and later discovered via phone chatting that my new checking account is closed by fraud department, citing that the bank can not verify some information. However, Citibank refused to disclose to me the details of the closure, nor was I able to speak to anyone who has the right to share information. From the very beginning of my account application, the process is done by myself and there is no fraud activity involved. All the provided information is true and genuine. My credit report is also unfreeze, unlocked and in good conditions.

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 2019-08-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I attempted to dispute a charge with my credit card company ( Barclays ), where services were not rendered as expected. I was denied dispute rights. 

Summary : On XX/XX/2019, I made a purchase using my Barclays Arrival credit card. 

It was for {$320.00}, with a merchant called XXXX. XXXX   is a global hotel booking service, owned by the publicly traded XXXX ( XXXX ). 

Documents A, B, and C are the receipts for this transaction. My {$320.00} were to pay for a private suite in a XXXX hotel called XXXX XXXX. This suite was the hotel 's most expensive property. 

Upon arrival at the hotel on XX/XX/2019, I learned the hotel received only 60 % of my payment. The merchant, XXXX, which contracted to book a private XXXX for {$320.00}, booked the hotel 's cheapest property instead, a bunk-bed in an 8-person dorm room. 

Documents D and E were given to me by the XXXX XXXX hotel. They show the hotel received only 60 % of my {$320.00} ( XXXX Euros ) and attempted to get the remainder from merchant XXXX, to no avail. 

I contacted the customer service department of merchant XXXX, attempting a good faith resolution. I requested a full refund of the transaction amount. The merchant refused, making smaller and unsatisfactory offers. 

Documents F and G are emails from the merchant XXXX   admitting clear culpability, claiming a " booking error '' on their end. They never explained why they refused to give the hotel the balance of my money. That remaining balance is still missing to this day. 

Document H is my official charge dispute letter to BARCLAYS. I included all the above documentation in this initial complaint, and a follow-up one. 

Document I is Barclays official refusal to decline this charge, or pursue action against XXXX. This, despite my providing them with evidence of services not rendered as expected, and two culpability admissions by the merchant 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 2018-08-02
Company: Lenderfi, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started out wanting to refinance my home with a cash out refi. I found LenderFi online through XXXX. Initial estimates from the company ( XX/XX/2018 ) said that I could get a 4.5 % interest rate on a 15 year mortgage, and we estimated our home to be worth about {$230000.00} based on county tax records. 

My first red flag was when they told me my credit score was 30ish points lower than any other site was telling me. They told me that was normal, and they tend to fluctuate. Ok, I can buy that ... who understands how those scores are generated anyways. 

The second red flag was when the appraisal ( XX/XX/2018 ) came back with a value of {$190000.00}. The Appraiser, from XXXX XXXX XXXX, did not count all the square footage of my above-grade GLA. I brought this to the lenders attention XX/XX/2018 via email. 

The third red flag was when the closing disclosure document had an interest rate of 5.25 % ( XX/XX/2018 ). I was then further pressured to sign the document so that they could proceed with processing. I am not about to sign a document with numbers on that I don't agree with or understand. I'm not THAT stupid. 

( XX/XX/2018 ) I called and spoke with the lender rep, who was very kind and understanding, and explained that because the home didn't appraise for more, they had to charge me more interest. I then asked him to please ask the appraiser why he didn't include my entire GLA on his appraisal report as this seems to be the root of problem. He said he would look into it and get back with me. 

My husband and I have tried to call the lender and I have tried to email them several times and I have not heard back from the lender since. During our final conversation I stated that I either wanted a fair appraisal, or my money back for the appraisal so that we could go to someone more competent for a fair appraisal. 

I am out {$500.00} ( appraisal fee ) and am now starting the process over with my trusted XXXX XXXX Rep with whom I have a long-term relationship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I want to remove any late payments in my XXXX XXXXXXXX account, XXXX XXXX XXXX XXXX XXXX account, XXXX XXXX XXXX account and 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 2023-06-08
Company: Experian Information Solutions Inc.
State: FL
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:
I have attached an FTC report with fraudulent inquiries I did not authorize

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 2022-10-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, and Account # XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1684 section 604A 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 explanation