BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-10
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: VA mortgage
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:
Reply to complaint # XXXX Thank you for your reply, I had not mentioned that the failure of XX/XX/XXXXpayment was again due to Wells Fargo. Please Check your records, the payment was made on time as I have from the very start of my mortgage. Someone from Wells Fargo placed a stop payment on my account back in XX/XX/XXXX, I was able to successfully submit my XX/XX/XXXX payment but for some reason my XX/XX/XXXX payment was blocked. I was notified by a Wells Fargo representative that my payment was due, that is how I learned of the stop payment. I immediately made the payment when I was informed of this situation and the stop payment was removed. Additionally, I am unsure how this relates to my complaint, but there is your explanation. I still do not know who or why a stop payment was placed or how one payment was accepted and the next was stopped.

Considering we are bringing up matters that have no relevance to my credit or credibility, I am happy to bring to light matter of Wells Fargo sending me another clients personal file. This file included all their personal information about their bankruptcy and financial hardship. While I am a man of my word and honest, I explained to Wells Fargo that I would not contact Mr. XXXX. My trust in Wells Fargo had been restored by Mr. XXXX making matters right, until I was witness to how private information is mistreated. I have no confidence that Wells Fargo has done what they can to repair my credit. This is a prime example of Wells Fargo 's sloppy attention to detail and my overall experience with each department. Mr. XXXX XXXX information attached exactly how it was sent to me.

Back to my initial complaint, while I am not a a credit expert I am aware of certain features available to make changes fairly rapidly. A third party company like XXXX could have resolved this matter within 24 hours. While Wells Fargo has corrected the other issues they caused, there is one that still remains, my credit. This matter has caused several issues to include hardship and having to switch to a one car family because I can not obtain credit for a new car. If the request to the credit bureaus were already sent once, what was the reason for sending twice? All the Credit bureaus are is a bulletin board in which information is posted and Wells Fargo is responsible considering they put it there.

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 2018-01-10
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never been seen by their physician ( s ), hospital, clinic, or other medical treatment facilities. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I have requested on two separate occasions via the USPS validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XXXX XXXX, 2017, and  XXXX XXXX, 2017. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided VOD within 30 days. They do not have evidence of an account in my name. There are no medical records in my name housed by their physician, clinic, or hospital. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Flagstar Bank, N.A.
State: MI
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 late XXXX XXXX I took out a home equity loan with Flagstar Bank. Among the papers I filled out was a request to have my payments automatically taken out of my bank account, and I provided a voided check. My first payment was due in XXXX and I made that manually. 

On XXXX XXXX I received a message from Flagstar saying it was urgent that I call them. Wondering if it was my loan, I looked online and saw that I had missed the XXXX and XXXX payments. I had no idea, I thought they were being auto-paid. I also had 2 late fees for {$35.00} each. 

I called Flagstar and they said that the auto-payment can take up to TWO MONTHS to go into effect. I was told that the loan officer should have warned me about that but " they do n't get trained right sometimes. '' At any rate, they said mine had NEVER gone into effect. I paid up my account and requested a reversal of the late fees. 

Today my credit monitoring alerted me that my credit score dropped 58 points! Flagstar has reported one missed payment. They 'll probably report the other one and my score will go down even lower! 

I have put in a request at Flagstar for them to REVERSE the reports of missed payments with the credit bureaus. I had great credit, I pride myself in not being late! 

1. My loan officer should have told me to continue making manual payments and monitoring my account until I 'm sure auto-pay has been implemented. 

2. Flagstar should have alerted me long before XXXX XXXX that I had missed two payments.

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 2021-04-14
Company: SYNCHRONY FINANCIAL
State: AR
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:
My TJX Rewards Mastercard account was closed by Synchrony Bank on XX/XX/2021. The company claims that I had added too many authorized users to my accounts. Upon speaking to a representative, I was told I was allowed 6 authorized users ( even though the page only allows five ). There is no public information telling me how many authorized users that can be added and I was in compliance either way.

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 2019-04-17
Company: WELLS FARGO & COMPANY
State: NM
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I recently read about government action taken against Wells Fargo in regards to student loans ( Administrative Proceeding : XXXX-XXXX-XXXX ). I received a student loan from Wells Fargo in 2005. I was wondering what I needed to do to see if I was effected by this action.

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 2018-11-23
Company: BARCLAYS BANK DELAWARE
State: WA
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:
I received an email saying that I miss a payment on my credit card, because of that my credit score went down by 200 points, my APR increased in another credit score and my credit limit decreased. All of this happened because my automatic payment was cancelled by my credit card company. Then the credit card company never sent me the monthly statement or an email. I called the company and told of the problem. They acknowledge the problem. I paid the monthly statement, but they did not remove the late payment from my credit report. They told me that it wasn't their problem. This is having a negative impact on my life even when it wasn't my fault. I reached out to them for a solution and they don't seem to care.

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 2020-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In early XXXX, 2020 I contacted Bank of America ( BOA ) Customer Service by phone regarding a Monthly Maintenance Fee of {$12.00}. that was charged to my account XXXX times for a total of {$60.00}. The Customer Service rep refunded me {$36.00}. and {$24.00} on XX/XX/2020. She told me I need to have a balance of {$1500.00}. in the account to avoid further Monthly Service Fees. On XX/XX/2020 I transferred {$800.00}. into the account bringing the total balance in the account to {$1500.00}. In early XXXX I contacted Customer Service and them I wascharged twice again for for {$12.00}. each tototalling XXXX On XX/XX/2020 Customer Service refunded me {$24.00}. After that I wasagain charged {$12.00}. XXXX times for Monthly Maintenance Fees totalling {$48.00}. ( XXXX, XXXX, XXXX and XXXX XXXX. I contacted Customer Service on XX/XX/2020 and spoke to XXXX Customer Service reps who refused to refund my overcharged fees of $ XXXX then transferred {$50.00}. into my account so the balance is {$1500.00}. I am confident once someone of authority at BOA sees the facts they will credit my account the {$48.00}. they owe me. 
Thak 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 monetary relief
Consumer complaint received 2020-12-23
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2020 I began the refinance process with multiple lenders in an effort to secure the most advantageous terms. 

Prior to closing, on XX/XX/XXXX, Freedom Mortgage ( FM ) agreed to match terms of a competitor and include an additional {$500.00} lender credit. 

On XX/XX/XXXX I closed a refinance with FM. I did not see the {$500.00} credit on the closing documents. I asked FM, prior to signing, how they would resolve this. FM responded, letting me know that they could use the power of attorney included in the closing documents to make the {$500.00} change, or they could send me a debit card for the {$500.00}. 

Neither of these have occurred yet. 

On XX/XX/XXXX, after I followed up with FM, they let me know they would send the {$500.00}. 

On XX/XX/XXXX, after I followed up with FM, they let me know they would send the {$500.00}. 

I still have not received the {$500.00}, or a lender credit for {$500.00}. The most ideal outcome for me would be to have a {$500.00} payment directly applied to my principal payment. But honestly with all of this " run around '' I'll take the {$500.00} as a debit card, lender credit, or whatever is appropriate.

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 2020-05-01
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: Information belongs to someone else

Complaint:
I am upset about things I still see on my credit report that does not belong to me I have disputed these items and they have came back verified and I requested that they send me the information that they used to verify these items and it has been over 60 days and I still have not received the information I requested.

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 2021-03-24
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have some collections on my reports that are over 7 years old and i have been trying to dispute them since XXXX and have had no luck. 
My understanding was that once you filed an dispute the credit bureaus had 30 to reply or fix it. None of this has happen. I check my reports all the time and as of today XX/XX/2021 nothing has came off. 
I mean seriously how long does this take?

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 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent a dispute regarding the date of when this collections was opened on my credit report. I disputed this several times over the last 3 years. My dispute were never investigated and I never received an explanation of why the date was changed. The account was not opened in XX/XX/2019. Which is incorrect information. I even reached out to the original creditor who didn't want to confirm the dates either. I also have not been able to get confirmation about the debt either. am at this point to seek legal action against the credit bureau and original creditor for negligence for not investigation my disputes.

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 2019-04-17
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received any communication from this company that a medical bill was forwarded to them without my permission. I never gave them permission or signed a document which allowed them to receive my personal information

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 2021-08-04
Company: EQUIFAX, INC.
State: OH
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:
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts XXXX. XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Third-Party Collection Agency unable to validate debt . Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that Proof of Claim and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I applied for the HSBC Premier checking account and it was opened in XX/XX/XXXX. The offer was {$450.00} incentive after completing the prerequisites. I called HSBC on XX/XX/XXXX to understand why I had not received the bonus and learned the following 1. They failed to close a prior account in XXXX, have no record of it an in absent of my consent maintained an account 2. The system failed to automatically close the account after 5 years of inactivity departing from their own internally defined rules 3. They claim the link used to signup for the account was inaccurate despite my following instructions from their site directly, the offer still being currently available https : //www.us.hsbc.com/checking-accounts/campaigns/premier-checking/ # : ~ : text=after % 20account % 20opening.-, You % 20will % 20automatically % 20receive % 20the % 20 % 24450 % 20Welcome % 20Deposit % 20in % 20your, minimum % 20requirements % 20are % 20not % 20maintained. 

The remedy I desire for this breach of consent, deceptive practices of failing to pay an incentive after reasonable efforts to resolve with a customer service representative and first line manager including 1. " The system can't be overridden '', 2. Acknowledging the system rules weren't followed for automatic closure and was in error as shown by statements post XXXX being inactive 3. Talking over customer, attempts to get call disconnected through long hold times with no clear end, making customer ask 3 times to speak to manager prior to being connected 4. repeating guidance that conflicts with their own written public statements " if a customer ever had an account with HSBC ineligible for incentive '' vs correctly stating from XXXX. The deceptive practices are consistent the broader trend identified in allowing for criminals to use bank to transfer funds and refusing to be forthright and honest in dealings with customers https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
You know about the Equifax security breach. I have tried numerous times to put a credit freeze on my account and my husband 's account through their website and through their phone system - neither will work. I called their so called help lines and its just a call center who ca n't do anything to help me except to say keep trying and try off times, like late at night -- not helpful! My husband 's data is part of the breach. Equifax is completely inept as their website 's and phone systems ca n't handle the requests for credit freezes. I also am unable to get my free credit report from them. In addition, I was able to put credit freezes on XXXX and XXXX, but had to pay {$10.00} for each XXXX, so I 'm out {$40.00} so far ( myself and my husband 's accounts ) and its Equifax 's fault -- I hope they are sued so people can recover their costs and losses. They XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$550.00} for XXXX has been placed on my credit incorrectly.. I do not owe this amount and I did not receive any communication about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: GA
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:
Upon checking my credit report, I notice an account from XXXX XXXX XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters along with my Identity Theft Report to the three credit bureaus on XXXX XXXX and XX/XX/2020 asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.

Company response to consumer: Closed with explanation