BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-08
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:
SOMEONE USED MY IDENTITY TO OPEN FRAUDULENTACCOUNTS WITH MY NAME, SOCIAL SECURITY NUMBER THESE ACCOUNTS LISTED DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # XXXX ; s. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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 unauthorized inquiries

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 2020-05-23
Company: M&T BANK CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2020, opened a new checking account in branch location in XXXX, Washington, DC. At time of account opening, a promotional offer was presented to banker who confirmed the account and promotion were successfully opened and applied. Upon gaining access to my online banking on XX/XX/2020, I noticed that the checking account type was not the requested type of account that was asked to be open because the promotional offer only applied to certain account types. Upon realization, I contacted the branch and requested to speak with the banker who opened the account. She was not available, but I left name and call back number. After one week, I had not received a call back so I sent secure message to the general customer service and advised of the aforementioned. Couple days later, I received a response that said the account opening bonus was denied because it is not transferable. I followed up and provided the terms of the offer, which does not speak, in any way shape or form, to the offer being non-transferable. Moreover, it is a publicly available offer posted prominently on the bank 's website.

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 2020-09-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I logged into my Wells Fargo mobile app as I usually do in a daily basis to manage my accounts, only to discover that my checking account was charged for four ( 4 ) separate transactions equaling to {$49.00} in the state of Georgia which i have never been to. I immediately called Wells Fargo Bank and let them know of the situation, they proceeded to cancel my debit card and send me a new one, as well as opening an investigation. Wells Fargo Bank is refusing to reimburse me for my loss stating that my " pin was used '', even though I only had one ( 1 ) card for that account and I am the only person that has ever known my pin for that card. I also argued that i used that card on the same day as those fraudulent transactions-in a different state. How could I be at two different states at once for physical transactions? I requested an appeal from Wells Fargo 's Fraud department but unfortunately they are refusing to resolve this matter and reimburse me even though I caught and reported the four fraudulent transactions within just a few hours of when they made. As a long time, faithful Wells Fargo customer, with multiple accounts and direct deposits, I am truly offended and upset at how they have responded to me. The only positive thing of all this is I'm glad I got to see the true side of Wells Fargo bank before I cashed out my 401k account, as I will be using a more reliable bank with better customer service for my deposits.

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 2020-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sent in a request to all three credit bureaus to have incorrect and inaccurate information removed from my credit report. I sent my request certified to make sure that XXXX, XXXX  and TransUnion would receive it. According to the tracking information provided by USPS.com XXXX ( tracking # XXXX ) received my request on XX/XX/2020. XXXX  ( tracking # XXXX ) received it XX/XX/2020 and TransUnion ( tracking # XXXX ) received my request on XX/XX/2020. But even though it is confirmed through the postal service that my letter has been received by all three credit bureaus I have not received a response from anyone. There are medical bills, apartment collections, inquiries and other people 's names and addresses that are not mine and that are not valid but they continue to report on my credit file and impact my ability to obtain credit.

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 2018-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
To Whom it May Concern, While checking my most recent report I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ) XXXX XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 2. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 3. ) XXXX- " Requested '' XX/XX/XXXX 4. ) TRASUNION XXXX XXXX " Requested '' XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 6. ) XXXX XXXX- " Requested '' XX/XX/XXXX 7. ) XXXX XXXX XXXX  XXXX XXXX " Requested '' XX/XX/XXXX 8. ) TRANSUNION XXXX XXXX " Requested '' XX/XX/XXXX 9. ) XXXX via TRANSUNION XXXX " Requested '' XX/XX/XXXX 10. ) XXXX " XXXX '' XX/XX/XXXX 11. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 12. ) TRANSUNION INTERACTIVE IN- " Requested '' XX/XX/XXXX 13. ) TRANSUNION XXXX XXXX " Requested '' XX/XX/XXXX 14. ) XXXX XXXX " Requested '' XX/XX/XXXX 15. ) XXXX XXXX " Requested '' XX/XX/XXXX XXXX. ) XXXX XXXX XXXX- " Requested '' XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611.

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 2021-01-22
Company: United Shore Financial Services, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
hi! my name is XXXX XXXX. 

United Wholesale Mortgage, the mortgage company for my home, collects monthly escrow for property tax and insurance. 

they accidentally paid the property tax for both my home, the address of which is XXXX XXXX XXXX, XXXX XXXX NY XXXX, and for an adjacent commercial property, XXXX XXXX XXXX XXXX, which is owned by an LLC called XXXX XXXX XXXX XXXX XXXX. XXXX which I do not own, have never owned, and have absolutely nothing to do with ). I found this out because when I called the mortgage company to inquire as to why they were showing me with an escrow shortage of {$48000.00}, they informed me that they needed to collect from me the taxes for my " 2nd property ''. They claim that the town which is the taxing authority, told them that I own 2 parcels of land and thus am responsible for both properties ' tax. the other property is owned by a cardiology practice, not by me, and is a commercial building with a huge annual tax bill. the mortgage company has paid the first half tax on both my home, and on this other property as well. They did this without ever consulting with me. Now they are trying collect the money for the other property 's taxes, which they incorrectly paid, from me. I have called several times, emailed, and sent them the correct bill for my home as well as researched and sent them the other bill showing that the ownership is a company, not me. they have ignored my contacts and continue to try to collect an extra {$35000.00} in taxes on this other property from me .... they claim that I need to contact the town and straighten it out???? they have added XXXX a month to my mortgage bill. This is absolute insanity and they take no responsibility for their mistake, instead putting the onus on my to straighten it out. I am concerned about my credit and need help in getting this situation rectfied. again, I have been contacting them since XXXX, and they have failed to provide any resolution what so ever, other than suggesting that I call the town.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX I have already filed the above complaint but do not see a way to add to that so I'm responding in this manner. 
I received a statement for my mortgage due on XX/XX/20 and now it shows I owe for XX/XX/20-XX/XX/20 even though I've paid XXXX, XXXX and this morning XXXX balances. I was in covid relief for XXXX and as stated have paid the above months. 
I called this morning to speak to XXXX XXXX who was supposedly my new agent only to be told it's been reassigned to XXXX XXXX!! This is the 10th person I've been assigned too and I've very frustrated. 
XXXX kept bringing up my bankruptcy but I do not pay my mortgage through the court trustee but instead pay them directly and they should know this! Now he's saying any moves they make has to be approved by the court but that's simply not true. They put me in Covid without the courts approval so why do they need it to fix my account? 
I was told in XXXX that FHA had approved moving any money not paid during the 3 month relief to be moved to the back end of my loan, yet they seemed to be incapable of doing this. 
I've been working for 5 months to get this cleared up and to date it's still a mess. They acknowledge receipt of my complaint but act like they know nothing and have to start anew even though they've supposedly been working on this since XXXX!! 
I feel they are flipping me place to place and not really working to resolve my issue. I also changed Mortgage insurance companies and now I have a {$1100.00} check from the old company I've scared to death to pay to escrow because they can't get what's going on correct let alone guarantee the payment is applied correctly, to escrow.

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 2020-09-08
Company: Louisiana Recovery Services Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Louisiana Recovery Services has placed several debts with XXXX, XXXX and XXXX with my name and social however I do not know who this is and neither do I have a contract with them. I have asked them several times to provide me with a contract that I have signed and original documents and I have not received neither. 

There are a listing for the following amount : {$1500.00} and I would like those removed from my credit file as soon as possible if they can not provide me with the original documents signed by me.

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 2020-05-23
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
ON XX/XX/XXXX I FOUND A BK REPORTING ON MY CREDIT REPORTS AND I REACHED OUT TO THEM ( EXPERIAN, XXXX, AND XXXX  XXXX WITH SUPPORTING DOCUMENTATION AND IT IS STILL BEING REPORTED!

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 2021-04-27
Company: EQUIFAX, INC.
State: LA
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 previously had a credit card with XXXX XXXX XXXX XXXX. I was attempting to pay the account off. Upon speaking to the teller. I was informed the account was no longer with XXXX XXXX it was sold to a collection agency. Yet XXXX XXXX continues to report a unpaid balance on my credit report. Both them and the collection agency is reporting on my credit report which in turn is causing hardship in obtaining a Home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have 2 collections accounts that have been reported by the hospital to a collections bureau when the accounts have all been satisfied and paid in full. On XXXX of 2019, I had a hospital visit. I received a bill in the mail for approx {$2400.00} and I began monthly payments immediately. Unbeknowst to me, their was a secondary bill from the hospitals XXXX  dept. I never received a bill from the hospital. A collections company called to collect a debt in the amount of {$530.00}. I informed the collections company that I was never made aware of this debt and had i received a bill or phone call, i would have paid i immediately. I paid the debt in full upon notice There is a second collections account in the amount of {$1500.00}. No dept in the hospital or otherwise have any notice of a debt in the {$1500.00}. Any and all debt owed to the hospital has since been paid in full. My credit has been drastically impacted by the inaction and unethical nature of these businesses. The hospital was XXXX XXXX in XXXX XXXX, they passed the debt to a collection company called AR Resource INC through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: EQUIFAX, INC.
State: NY
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I opened an American Express Serve account and added money with my XXXX key. However, they locked my account and I am unable to unlock it and access my money added. Therefore, I want to close my account and withdraw all the money. I have attached my XXXX transaction records to prove all the transactions are legit and through my own account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX is the holder of my loan. PHH Mortgage Services services that loan. I have been dealing with them for less than a year, and its been an absolute nightmare that only gets worse. I was unable to access my account via their website for the first 6 months. Anytime I would call I would be routed to an overseas call center, where no one knew how to help me. The one time I was able actually access my account was with the help of a customer service representative that was from the United States. Eventually, that problem got resolved. Since I have a VA loan, I requested a XXXX month forbearance of my payments, which I was approved for, but I would have to make a balloon payment when that expired. I opted out of the forbearance. However, they have twice sent correspondence to the VA telling them that I was behind in my payments. This is a complete lie. I have never fallen behind on my payments. 
I always make my payments usually a few days before the due date. I submitted my via their new and improved website. Their website said that the payment had been applied, yet it had not cleared my bank. When I rechecked the PHH website it said that I was late. When I called them, I was told that my bank rejected it as NSF. This is very surprising to me, because the money was there. I started a three-way call between my bank and PHH.  I have a recording of that call. The gentleman at my bank, XXXX XXXX, verified that the funds were there and no payment for mortgage ever came through. I resubmitted the payment during this conversation. The website, again said that the payment was applied, as of today, it says the same thing. Yet, the funds are still in my bank account waiting for them to take the payment. They are trying to force late fees, or worse, foreclosure. Why are they allowed to do this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Hello! 

I'm sending this complaint to let you know that Citizens One, who finances XXXX XXXX loans, does not abide by the Federal Periodic Statement rule. They do not provide monthly statements with interest rates, fees, and pre-payment information. 


XX/XX/2020 After reviewing my emailed " Payment Reminder '' with only balance and payment amount, I created an online account to be able to see my interest rate, and be able to pre-pay my loan. As this information was not provided in my " Payment Reminder ''. I receive no other form of communication, including Statements, from Citizens One regarding my account. 

My online account does not display my interest rate, nor pre-payment information, nor any way for me to make additional payments. 

I navigate through the customer service number to check through the menu options to see if I can find my interest rate, or able to pre-pay, or if there is a penalty. I can pre-pay, however, the message ( recording ) says that I need to check my original loan documents to see if pre-paying is advantageous. This makes me apprehensive that there is a pre-payment penalty. 

I called to see how I can find this information. In summary, I would need to be transferred to a different department that would then be able to send me the truth in the lending document associated with my loan and the helpful customer service representative told me my interest rate, verbally. 

The only information that this company sends monthly is an emailed " Payment Reminder '' which does not include the interest rate, fees, or pre-payment information. 

As a side note, and possible separate issue from statements, are companies required to allow customers to make additional online payments? Because that is not an option ( only by phone ). 

While this company helps answer questions, they should be sending statements with the interest rate, fees, and prepayment penalties. 

Thank you! This is a HUGE loan provider considering 100 million people in the United States own XXXX. 

Keep up the good work and stay well!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Experian Information Solutions Inc.
State: NC
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 have contacted Experian in regards to their inaccurate reporting of 2 dismissed bankruptcy filings that do not belong to me. I have contacted their 3rd party information provider XXXX to request my report to verify Experian reporting and they DO NOT MATCH. Experian claims to have reinvestigated the dispute however no changes have been made to match their 3rd party information provider.

I am now requesting copies of their reinvestigation, name of person ( s ) who conducted the investigation, and aterial fact to support their continued reporting of inaccurate information. 
I also requested an updated file from XXXX XXXX which is Experian 3rd party information provider and there is in fact NO BANKRUPTCY REPORTING.

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