BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-18
Company: WELLS FARGO & COMPANY
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I would have enough money in my account and was charged fees and it would put me negative almost every time I used my cards.

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 2022-08-05
Company: Vertical Screen
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
It accuses me of an alias or aka of XXXX XXXX and that isnt true. I have a sibling that is a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Equity Settlement Services, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This title company was referred to us by the lender, XXXX XXXX, with whom we have processes a refinance. Documents were signed last week on XXXX and we were told that after the lender releases the funds to the title company, they will be responsible for paying off our prior loans. The funding date was Monday, XX/XX/XXXX. When the loan was not funded, I called Equity Settlement Services on the afternoon of the XXXX and they said, " Yes we have the wire from your lender but we do not have the authorization to release the funds. You need to speak with your lender. '' On XXXX, we spoke with the lender ( XXXX XXXX ) and our loan officer confirmed that the title company has both the wire and the authorization to release the funds. He complained to us about the service levels at Equity and said this is the second time he has faced this issue. Our feedback was " don't refer them as a preferred title company if they are not delivering on the service levels you expect ''. The loan officer said he would call the title company and would likely have to speak to them five times to get this issue resolved. On the XXXX morning, I as the consumer and someone who paid for the services I am supposed to received from Equity Settlement Services called for an update. First issue, they do not pick up their phones. When they do pick up they put you on hold and then transfer you to a voicemail ( this happened 4 times ). On my fifth attempt I was told to speak with XXXX. I asked if XXXX was in the office, they said yes and then I got her voicemail. After my 6th attempt I finally spoke to a receptionist to whom I stated that I was very frustrated by the lack of service and that if I didn't speak to someone, I would file a complaint with the XXXX. Her response to me " don't threaten us. '' She finally transferred me to XXXX XXXX who told me that she doesn't know exactly why my funds haven't been released but it appears they don't have the release authorization required. She then stated she needed to speak with the funding manager XXXX XXXX to determine what the hold up is. Every day that my loan is not paid off, I am accruing interest. Who is going to pay for this? Me the consumer because the people I paid to take care of this are incapable of following through on their contractual agreement?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2018-05-08
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX XXXX closed my account due to there fee 's I do not want my credit report getting hit due to XXXX XXXX closing my 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 monetary relief
Consumer complaint received 2018-05-08
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Transworld has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had a 2011 XXXX XXXX XXXX financed with Santander Consumer USA. I originally took out the loan, in XXXX. I have been paying on the loan every since. The original loan amount was approx XXXX. It had been XXXX until now XXXX and I still had a loan balance of approx XXXX. My payment were originally XXXX monthly The moved to XXXX after the hurricane devastation. I requested a running billing statement several times but never received it. The vehicle had electrical trouble and would be her costly to fix. I requested extensions on payment to fix but was denied. I then sent in a certified return letter which was received as I have confirmation to voluntary surrender the vehicle. Santander then picked up the car but later contacted me stating they were listing as a regular involuntary surrender. As I did not call them. The certified letter is not the correct was to do it. This is even when their representative is the one who gave me the address to send it to. A few weeks later I received a letter stating the balance on the car owed was approx XXXX it was sold for approx XXXX and I owed approx XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX was sued by CFPB for not allowing modifications and for taking trial payments and not honoring or completing and responding to the borrower or successor in interest ( according to reg X and Z as amended recently in XXXX ). 
XXXX XXXX has a jugment that is NON COLLECTIBLE for many reasons the debt has been XXXX as of when it was issued with people who are not in title in XXXX. In XXXX ( see attached ) XXXX XXXX and XXXX XXXX were not in title to be able to encumber a property where they no longer have equity titltle. The title to XXXX XXXX was given in a special warranty deed to XXXX XXXX, who payed for her real estate contract for the pendency of the trial under the false pretenses that XXXX is going to do a assumption/modification of the ORIGINAL COUNTRYWIDE LOAN as per the origivnal real estate contract. Now hecomes trying to foreclose IN COURT AND COLLECT IN COURT WITHOUT A HEARING FROM A FEEBILE SENIOR XXXX YREAR OLD WOMAN ALL HER MONEY FOR 14 YEARS AND ATTEMPT TO TAKE HER HOUSE WITH LETTERS OF NOTICE OF SALE EVERY WEEK MAILINGS. You are makning us sick and I am so stressed that I had to flunnk from XXXX  schhhool and care for my mother now. She is harassed for a debt of another who made that debt with you on a second mortgage on XXXX WHAT makes you think you can foreclose a third person 's home for the debt that was made in XXXX in another person 's name and not even serve XXXX XXXX with a return of summons and a copy of teh NOTE YOU ARE REFERRING TO THAT IS A SECON LOAN. PROVE IT SEND THE NOTE TO THE PERSON YOU ARE TRYING TO COLLECT THE NOTE DO YOU THINK YOU ARE ABOVE THE LAW THE STATUTES OF NM REQUIRE THAT YOU HAVE A HEARING TO COLLECT XXXX XXXX XXXX FOR THE DEBT OF WHAT WE WERE TOLD ARE INVESTORS IN FLORIDA WHO HAVE ALREADY BOUGHT ANOTHER OTHER PROPERTY IN XXXX XXXX THE STATUTES OF NM SPELL YOU HAVE TO FORECLOSE WITH A HEARING ESPECIALLY WHEN THERE IS A DEED. YOU CAN NOT GO OVER STATUTE

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

Complaint:
In accordance with 15usc1681 the credit reporting company failed to abide by 15usc1681 and therefore I want these inquiries and accounts deleted.

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 2018-05-08
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a USBANK checking account with promotion of {$200.00} around XX/XX/2017 but USbank refused to pay me 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 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
This Company consistently redates a debt on my credit report. They are now saying I opened a XXXX account in XX/XX/XXXX and I owe XXXX. This is a lie. I had XXXX acct in XXXX and closed my account in XXXX. Never ever have I had XXXX since then. 

I have fought to for them to remove the incorrect information. For several years with TransUnion and XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2020-05-31
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: Investigation took more than 30 days

Complaint:
XXXX XXXX is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a RE-INVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$1100.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.

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 2017-09-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX store card closed my account on XX/XX/XXXX so I was told from a representative .After making a purchase on XX/XX/XXXX for a roll of XXXX XXXX toilet paper. The account is current and not in default. I am paying on time but now it will affect my credit score by closing my account. The bank has other accounts under my name that in good standard and I do n't understand why they closed my account without a notice.

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 2020-05-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Reported : XX/XX/XXXXXXXX XXXX BANK XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Early Warning Services, LLC
State: OR
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 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, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: WV
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:
Date of delinquency are incorrect with student loans so once I filed a dispute with Credit reporting agency Equifax, to please remove the account that have been closed, they stated the accounts wasn't closed that they report late payment not receive dropping credit score 126 points, I asked if the account was already passed due 10+ years ago and affected my score then, how can it continue to affect my score report as if its new late account..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-01
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2019 I was emailed saying someone sent me roughly {$590.00} through XXXX/chasepay. 

I wasn't aware that someone owed me money but whatever. 2 hours later I tried to log into my account to see if it was a mistake and that's when I noticed I couldn't log into my bank from mobile or from desktop. 

XX/XX/2019 roughly XXXX I called Chase bank to restore my access. They informed me that they froze my assets and my account because someone sent a fraudulent XXXX to my account. I advised them immediately that I don't know the person or the amount, yet they still kept my account frozen over a XXXX transfer. They said the need to investigate, but that department is closed till Monday. Since this happened on a Friday, they have kept my account frozen over the weekend and probably wont investigate till Monday and probably wont unfreeze my account till who knows when. I HAVE NO CASH AND NO MONEY TO BUY FOOD AND I AM STARVING. I never would have though that my account would be frozen otherwise I would have kept cash at home so I could buy food. Chase should not be allowed to randomly freeze peoples accounts when they DID NOTHING WRONG. Especially since in the terms for using XXXX, it says you can't chargeback a transfer, and yet, apparently you can. Clearly some scammer is messing with me. I have over {$7000.00} in my account and they froze it all over a {$590.00}. I get it, freeze or take the XXXX XXXX, but they should have ZERO rights to freeze my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navy federal has continued to harass me for a alleged debt. I told them not to contact me a while back and they continued contact me and are in violation of 15 usc 1692d ( 4 ) ( 5 ) and it states ; A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

Spoke with a representative regarding this matter they said they can not contact me for 30days but I never agreed to those terms because that isnt what the law says. I dont want them contacting me unless its about payment for the violation of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. It stems from a renters insurance policy that I briefly had and tried to cancel. I had duplicate coverage as I advised the phone team for XXXX  renters insurance many times. I was told to give them the policy information and they would retroactive the cancellation and wave any fees. This to date has still not happened. The debt was also thrown to collections prematurely without proper extensions given all I told you above. I over a year and a half later called progressive then got auto insurance with them. I am happy with my current auto service and I was told nothing is due from the previous account. I am also showing current when I log into the app or call now. However this debt is still on my credit reports. Please update and remove this negative reporting asap. Please do this for all credit agencies ; Experian, XXXX  and XXXX  need corrected. Please also supply me in a letter stating this to the address on file. Please leave my auto insurance that is current as is. I am happy with the current service and just need this old reporting from XXXX  corrected. Thank you.

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