BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
ON XX/XX/XXXX I was fraudulently charged on my Fidelity Visa for {$510.00} by the XXXX XXXX. I reported it to visa and they gave me a credit on XXXX for {$510.00}. Then on XX/XX/XXXX I was charged again {$510.00} by the XXXX XXXX. I have never done business with the XXXX XXXX   and I have been trying unsuccessfully for the last 5 months to get this resolved. I just got off the phone and it was my 5th call ... they say that a manager will call me within 48 hours but they never do. I just want a credit for the {$510.00} fraudulently charge.

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 2022-01-06
Company: Lendmark Financial Services
State: NC
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:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount
of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Experian Information Solutions 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:
I noticed this showing on my credit report

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 2020-09-09
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I closed both my checking and saving accounts with XXXX XXXX  on XXXX XX/XX/2020 because of their poor costumer service. For some reason XXXX XXXX  kept my {$10.00} a month electronic transfer from my checking account to my savings account in place. I received a collections letter today, XXXX XX/XX/2020. XXXX  sent my checking account to collections for {$59.00} because they stated there were insufficient funds to cover the monthly {$10.00} transfers to my savings account. My saving account no longer exists. No one at the time I closed the accounts stated I have to stop the monthly electronic transfers. My question is why am I paying {$59.00} dollars to cover transfers from a checking account which no longer exists to a saving account which no longer exists?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Business Card that I had and that was reported on my Credit File in addition to the Business Credit File whom had the primary responsibility to pay. Was paid in full after more than 2 years of on time payments. 
I complain about being in my report as paid and closed, being paid in full in addition to performing as previously said and now appears as closed in a derogatory status after paying in full and more than 2 years of having paid on time as I can see in the last two years of information. 

Paying in full for more than 24 months in a row and closing never means closed derogatory. 

The account was late once in the payment for less than 30 days from the payment date and responsibility the bank that submited the wire to pay from the business account. Was explained to the Capital One Bank and you mark my personal report as closed in a derogatory status when nothing was owed for more than 24 months?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian has made it impossible to cancel my monthly membership. They only possible solution they offer is calling their service number, and you are placed on hold for hours and Ive never been been extended the courtesy of speaking with anyone. This entire process is clearly and maliciously engineered to hold the customer hostage for an unwanted monthly payment. Its extortion and Experian should be held accountable for their illegal business practices.

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 2019-10-24
Company: EQUIFAX, 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:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX & XXXX is reporting a late on my credit report for XX/XX/2020 and XXXX. I was not late. Due to unforeseen circumstances surrounding the pandemic of COVID19 &  being Quarantined since XX/XX/2020 and I have been severely impacted.. I tried to call in several times and the hold times are hours. I thought my payment went through and I have had an account with you since XXXX I have never been late. This was not my error. Can you please remove this late payment? You also closed my account after all this time for one late payment? It is very disappointing that you guys would do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: TX
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:
I am a victim of XXXX XXXX due to my data being breached by XXXX and their inaccuracies reporting on my report

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 2021-03-29
Company: Specialized Loan Servicing Holdings LLC
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My Home loan was originally serviced by XXXX XXXX XXXX in XXXX. My original loan was XXXX. XXXX packaged the loan with a HELOC for XXXX and all payments were through them directly. In XXXX I refinanced my property with XXXX and was told there were no additional obligations. Later in XXXX, I began to receive calls from SLS for payment and threating against my property. I have attempted to settle this matter directly by phone and agreed to send them a check in the amount of XXXX. I was told by one of there representatives that loan was to pay against a check that was sent to me for home equity. I have never requested or received any money. In addition, I found out the part of my land was no longer mine. I have attempted a lawyer but this company is still contacting me and has even attempted a foreclosure. 
1.Specialized Loan Servicing is attempting to collect on a loan without showing proof of ownership for the loan. 
2. SLS is responsible for selling a loan whereas the description of the property does not match the loan documents. 
3. XXXX failed to pay my property taxes from escrow. SLS now represents this company and has caused me to lose part of my property in a tax sale due to failure to pay property taxes on property they financed me. 
4.SLS has costed me XXXX in loss of property and income. 
5. SLS did not send out regular payment schedule and waited years later to quote me different balance amounts inconsistently.

6. SLS did not send me statement for years and now are attempting to collect which has exceeded the Statue of Limitations. The original loan is XX/XX/XXXX. 
7. SLS has attempted to foreclose on the remaining property described in my loan that is being serviced by XXXX XXXX loan 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 2017-12-14
Company: LD Holdings Group, LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Depot has failed to pay my town property taxes. Due to their non payment my name will be listed in the town letter for the next 3 years causing my reputation harm. I have called them to try and resolve this multiple times but all I can get out them is " It 's being worked on '' At no point have they been able to give me any indication as to when my town taxes will be paid or what the actual status is with the process. They are unable to let me speak with someone who can actually be of assistance and block all attempts at escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: Incomm Holdings Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased two ( XXXX ) Visa Vanilla prepaid credit ( gift ) cards earlier today XX/XX/XXXX with the intent of using them as early XXXX presents for a friend. However, after getting home, I realized that these cards could not be used for online purchases ( this was nowhere in the fine print ). Since my friend does practically all of his shopping + personal finance online, I tried two things. First, I attempted to use the vanilla cards with XXXX to transfer the balance to my own bank account ( i.e. effectively refunding myself, less the activation fee ). This did not work because XXXX blocked the transaction, which also confirmed my friend 's claim that these cards do not work with online purchases. Second, I attempted to just buy a gift for my friend with these cards at XXXX where the purchase was blocked for unspecified reasons. 

I repeatedly tried to call the number provided for assistance but the only options were pre-recorded responses, making it impossible to even try fixing the situation. At the time of filing this complaint I can not even check the balance on the cards, which makes me suspect retaliatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Primary complaint is that Wells Fargo Mortgage Agent XXXX XXXX ( ID XXXX ) requested that I sign a knowingly false document to  continue my loan application. 

Working on a mortgage refinance starting at the beginning of XXXX. Had already had a number of minor problems in the process. On XX/XX/2020, XXXX sent a XXXX XXXX with the wrong number of years and interest rate ( sent 30 year at 3.625 rather than a 15 year at 2.75, which is what we had discussed. ) When I notified him of the problem, XXXX requested that I sign the contract anyway so that a " new '' contract could be issued. 

I specifically asked if XXXX was requesting me " to sign paperwork that you know is incorrect. '' He responded yes. See emails from XX/XX/2020 - attached. 

I refused to sign the paperwork and contacted XXXX 's supervisor, XXXX XXXX, who generated a review by XXXX XXXX, Case Specialist, Home Lending Executive Office, ( XXXX, extension XXXX ). 

Ms. XXXX sent a letter dated XX/XX/2020, stating, " While researching this concern, we found that the initial disclosures were issued with incorrect information. We made needed updates to your application ; however, our system would not allow us to send updated disclosures to you, until you acknowledged the initial disclosures. '' This is similar to the statement made by XXXX XXXX, and I still find it highly suspicious. Wells Fargo requested that I sign a knowingly incorrect contract that " acknowledge the initial disclosures, '' which were wrong and would potentially have made me contractual obligated to the wrong number of years and interest rate. 

I consider Wells Fargo 's actions fraud, and consider their review as a dismissal.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
on XX/XX/2022 i came in to made a deposit of a cashiers check to my new bank account with abnk of america teller i had no problem doing the deposit of {$6400.00} that day he said the funds will be in my acc by the next day i used my card fine until one of my purchases were declined i called the bank they said the money had a hold on it i went in the bank and the teller said he couldnt get in my account had been blocked he gave me a number to call and i did they said they had decide to close my account for because i had brought a bad check that i had to contact whomever send me the cashier 's check and ask for them to ask for the funds back i called XXXX whom send me the cashiers check ( which it was money from XXXX ) they said the bank had verified and cashed the check on XX/XX/2022 at XXXX pm that it was already cash and it since it was a cashiers check they couldn't do anything about it that they didn't understand why the bank was doing that. i came in the bank to speak to a supervisor the first girl that helped me couldnt find the invoice of the day i had came in with the check until she went and spoke with someone else she had me go with this person and she called their fraud department they told her the bank had the funds but i couldnt get the funds from them they never gave me a reason they only said they couldnt verify the check and they had decide to close the account for fraud reasons they even said on the phone if we cant verify the check the bank stays with then funds i was in there in person 3 hours and i had called many other times and i even spoke with a supervisor from that department and he said the same thing to me on the phone. now it been 5 months and this bank still has my funds and has not resolve anything XXXX which is the thir party that sent the cashiers check said they cant ask for the money back because it was a cashiers check adn it was money sent to me from the XXXX  that the bank should reale the hold on the money and return funds to me that they have no reason to say it was a bad check if it shows them the did verified it and cashed by them i have not received anything on this day the worsts banking experience with bank of America.

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 2022-10-27
Company: Experian Information Solutions Inc.
State: CA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. How many letters do I have to send? How many complaints do I have to submit? Is it not that enough proof to inform you that I am a victim of Identity theft? I am frustrated to see the Credit Bureaus stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) I need the following Items removed now! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-11
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # ending 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 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 2020-10-18
Company: ProCollect, 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: Their investigation did not fix an error on your report

Complaint:
Credit Repair company has sent letters off on my behalf, but the collection agencies have not responded, corrected inaccuracies, or verified the debt.

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 2017-09-14
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax was hacked and now everyone 's social security numbers and information is exposed. Two factor authentication is needed to prevent identity theft. I should be able to get a phone call, text message, or email from the credit bureaus when a creditor tries to open a new credit account in my name etc. 

Or I should be able to log into a website or app to freeze and thaw my credit at all 3 bureaus in real time ( similar to XXXX XXXX XXXX Freeze It - See Link XXXX XXXX XXXX XXXX Where is the regulation for something so vital to consumers? I 've been worried about this kind of thing for years and of course it takes a massive data breach for anyone to start talking about this. Please hold Equifax responsible for this and make all 3 bureaus take steps to protect our information and enable some type of 2 factor authentication. 

We also should n't have to pay to freeze and thaw our credit! This should be free and it 's ridiculous that we have no control over this. There is no reason all of this should be so difficult unless you allow these companies to put their profits ahead of sensible rules and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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: Account information incorrect

Complaint:
XXXX XXXX original creditor XXXX XXXX - continues to report to XXXX and Transunion a collection/chargeoff in the amount of {$400.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have contacted XXXX XXXX as well as XXXX and they have no record of this account in my name and they can not verify this account belongs to me. I have requested on multiple occasions that this account be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well to remove this however, I have not been successful.

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