BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX an unauthorized access occurred to my online Wells Fargo bank account in order to add a phone number to my account. My email was being spam bombed to hide the email that was sent out stating a change was made. 

On XX/XX/XXXX a fraudulent wire recipient was set up and a fraudulent wire was done for {$4500.00} around XXXX XXXX  EST. Again my email was being bombarded with spam to hide this activity. However, this time I saw the email notifications shortly after this fraudulent activity occurred and called Wells Fargo. It took me 40 Mins to get in touch with someone who could freeze my account and was unable to get my funds back. 

I filed a claim with the bank as I did not authorize this activity. After speaking with a claim handler who verbally told me on the phone it was a clear cut case of fraud and they were going to recommend I be reimbursed, a manager reversed that decision and denied my claim. I escalated to the Manger of that department who reviewed my claim and Wells Fargo is claiming my " device id '' was the one that performed this activity so they can not reimburse me. 

The device they said performed these actions was my work laptop. I opened a ticket with my work IT who performed a scrub of my pc and said there was no malware and they also could provide logs showing my pc was not turned on when the unauthorized phone number was added on XXXX and I was not accessing the Wells Fargo proxy server on XX/XX/XXXX when the wire activity occurred. I informed Wells Fargo of this and I was told by the claim handlers manager that because their logs show my " device id '' They won't reimburse. They also refused to share their logs with me so I could have my IT department refute their " evidence ''. 

I can't even defend myself and the proof I have this activity was not performed by me does not matter to Wells Fargo. I've closed both my savings and checking accounts with Wells Fargo and had them open new accounts to avoid further exposure. I've filed a police report. I've notified the credit bureaud to flag my account as a victim of fraud. I've changed all my online credentials. I've done everything I can and have clear evidence I am a victim but I am being treated as a criminal by Wells Fargo. 

This is the most horrific customer service experience I've ever had. All I want is to be reimbursed for something I had no involvement in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE! XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$3100.00}

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 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-02
Company: Experian Information Solutions Inc.
State: OH
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:
I am continually being called on the telephone from XXXX firm over an alleged {$510.00} debt. I was under the impression Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt.I have fulfilled this balance with two different agencies and I still do not see a update in status. I request this account be deleted because it is not accurateFCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Complete payment history, the requirement of which has been established via XXXX vs. XXXX and Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Intimate knowledge of the creation of the debt by you, the collection agency Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/2004, the courts ruled that reporting a collection account indeed is considered collection activity. 
Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to 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 2023-12-12
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have tried to use my american express gift card multiple times with no luck. The amount I have is XXXX dollars. I tried to buy an XXXX XXXX XXXX for XXXX and XXXX and neither worked. XXXX dollars was on XX/XX/23 and XXXX was on XX/XX/23. I tried to use on XXXX for XXXX on XX/XX/23. I tried to use on XXXX for XXXX. I called american express at XXXX on XX/XX/23 and twice on XX/XX/23 and they said that their are no issues with the gift card and it is active. I can provide the gift card number if needed. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-02
Company: NCB Management Services Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Inaccurate start date of account, inaccurate payment history, inaccurate payment dates, reports late payment on closed account, inaccurate or unverified dates of first and last payment made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX, XXXX  and Transunion failed to address my concerns in a timely manner. They are claiming that I am working with a credit repair company when I am a victim of identity theft. I need for all of these companies to comply with credit reporting act and comply. I am resubmitting my identity theft report along with my ID so that the changes can take place within 5 business days of this complaint. You are preventing me from employment because of the fraudulent information that's on my reports that you can not verify with any of my physical signatures.

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent an Affidavit of truth to TRANSUNION, XXXX AND XXXX STATING THAT THEY ARE IN VIOLATION OF MY RIGHTS, TO CLEAR MY CREDIT REPORTS AS WELL TO PROVIDE ME WITH THE UPDATED CREDIT REPORTS FROM EACH COMPANY AND TO RESPOND TO THE INVOICE ALSO PROVIDED WITH THE AFFIDAVIT OF TRUTH

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 2019-11-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a letter or what looks like a summons to appear at hearing on XX/XX/XXXX from Midland Funding LLC C/O someone named XXXX XXXX. 

The " summons '' is not dated, not on any XXXX County letter head, there is no record of the case number, I called the XXXX County Clerks office, no clerk of court stamp nor does the letter give any amount of money I supposedly owe. I do not know this person nor do I owe any debt to Midland Funding LLC. I do not know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a retired XXXX XXXX and I recently lost my husband to XXXX. As a result, I contacted our mortgage holder, US Bank to retitle and refinance my home. 

The outstanding loan balance is {$320000.00} and the new mortgage payment is expected to be approximately {$1900.00} a month for a 20-year mortgage. I am exempt from property taxes because my husband XXXX  from a XXXX XXXX  XXXX. 

I have regular monthly pension and veterans administration survivor benefits totaling approximately {$4300.00} a month, in addition to part-time income as a result of occasional work with the school system. 

I also have savings of approximately 6.6 times the mortgage balance. 

I completed the mortgage application on XX/XX/XXXX, and proceeded to work with XXXX XXXX and XXXX XXXX to pursue the application. 

US Bank ultimately rejected my application and kept my {$390.00} application fee. Additionally, all title work on the home was lost. 

During the process, I was asked for the same information over and over again. The process was opaque, and no one seemed to know whether my application would be approved or not. I was 'pre-approved ' and then 'almost final approved ' and then told my application was going to be cancelled. 

I found this to be extremely stressful. The first US Bank employee I contacted was rude, bordering on mean, and she either intentionally or accidentally disconnected our call. XXXX and XXXX were both polite, but when I expressed my frustration to them via email ( attached ), they were completely unresponsive and never even acknowledged my email, or my concerns. I often found myself nearing tears because of the experience. 

I was amazed by how poorly I was treated, and I can't imagine US Bank submitting other widows, like me, to the same abuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicer d/b/a NewRez has been misappropriating my monthly mortgage payments beginning in approximately XX/XX/2020. According to my loan amortization schedule my monthly mortgage payment is {$860.00}, of that payment {$200.00} is supposed to go Into the escrow account. My mortgage servicer has been holding onto payments in a not applied status then charging me a late fee. They have been applying principal only payments without authorization which has caused my mortgage account to be disproportionately skewed. They have also reported late payments to credit agencies. I began noticing an issue around XX/XX/2020 when I began calling asking questions without any resolution. In XX/XX/2020 I called shellpoint and submitted in writing to the portal and via certified mail a 7 page letter with multiple documents that identified shellpoints errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: LD Holdings Group, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Loan Depot has denied and obstructed access to government programs for FHA homeowners who are struggling financially. There are multiple programs available to help homeowners who were negatively impacted by Covid. When we contacted Loan Depot to discuss options to help when we were struggling they simply told us to pay when we could instead of offering CARES forbearance, modification, partial claim or repayment plan. After we fell behind and missed a couple of payments we tried to call in to resume payments as their agents suggested. Loan Depot refused to accept our payment and told us we needed to pay all past due payments at once. We asked about options for help and their agents told us that we could not be considered for any options until we got caught up on the missed payments. We have found out from HUD that this is not a requirement and that their agents were not being truthful. Furthermore, we kept calling to discuss this issue and they told us sorry, you need to only communicate with us by email. Now they have started foreclosure proceedings against us. 

We bought our home in XX/XX/XXXX and we live here with our XXXXXXXX XXXX XXXX XXXXXXXX. My husband has worked as XXXX XXXX XXXX for the last 5 years and I have worked as the XXXX XXXX XXXX XXXX XXXX for 3 years. We started having financial problems a few months after XXXX. My hours at the XXXX  were cut and I got sick with XXXX two different times and had to miss work to recover and also quarantine. XXXX had his trucking routes disrupted at first due to XXXX XXXX protests ( he does routes to XXXX ) and throughout XXXX all the way into XXXX his hours were sporadic. Add in inflation and high gas prices and we burned through all of our savings because we wanted to make sure our bills and especially our mortgage was paid on time. Near the end of XXXX we were in dire financial straits and were hoping that Loan Depot would work with us, but were told instead to pay when you can. When we followed this advice we were told that they would no longer accept our regular payment and we needed to pay back the missed payments and current payment in a lump sum which we could not do. When we asked to be considered for options to help struggling homeowners with government backed FHA loans we were told that no help could be offered until we reinstated the past due payments. 

As a result of these misrepresentations by Loan Depot agents, we now find ourselves in the foreclosure process and approximately {$24000.00} behind on our mortgage. Our hardship was resolved in spring XXXX as we are both back to work full time and ready to resume our payments, but Loan Depot refuses to accept anything but full reinstatement to even consider workout options

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2020-12-10
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have called before about someone trying to scam me be sending me money to my bank account. The amount was {$2400.00}, I didnt know they were scamming me they claimed to be a sugar dad I knew of the scam after I put the check in my account. Called the FTC, the person I talked to stated the money that went into my account would be mine. They opened a report to find out what happened, but later today I get a charge for my bank saying they took the money back out so now I have - {$2400.00} in my savings. I was just confused because I was told by the ftc and my bank that the money would be mine.

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 2023-11-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please consider this as my formal complaint to the Fair Collections & Outsourcing for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXX.They allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected 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 explanation
Consumer complaint received 2023-01-16
Company: WELLS FARGO & COMPANY
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had a auto loan with Wells Fargo, one month XXXX sent them a auto payment it was returned the next day. XXXX says it was Wells Fargo who sent it back Wells Fargo says it is my bank. I just want it off my credit i XXXX said they would take it off, but Wells Fargo is reporting it. Wells Fargo will work with me at all they have just been hanging up on 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