BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
There is no rea son Wells Fargo Bank,  the now Servicer on a Broker originated,   XX/XX/XXXX ,  XXXX  %, Interest Only Refi of my principle residence, is again saying they did not receive the Mod docs.  <P/> In   XX/XX/XXXX     I went into the branch to inquire about the streamline refi that they were offering their  XXXX  clients at that time, at that point I had paid  XXXX  in interest only payments on a  XXXX  so called loan that is now  XXXX .   Not only did the in branch broker give me a flat no, he explained that  Wells Fargo B ank now was the "  Servicer  " of the paper or loan, and that they did n't originate it, yet many times they claim to have originated it.  <P/> Then after finding the " Investor '' of my so called loan was in    XXXX   court  and list ing Wells Fargo a s a Unsecured, Non Priority, Creditor and disputed their claims to said loans.   Then I was told that I could not even apply for a mod unless I was 4 months delinquent and that started this nightmare where  Wells Fargo  Bank engineers Defaults, and Foreclosure for profit schemes, driving homeowners/Banking clients into a situation that makes any form of work out impossible, while maximizing their profits on moneys they admit they never lent.   When I requested the closing documents and whatever document prep company they used had claimed to have paid my second with  XXXX  through closing that made they issues even more complex as I paid the total second in full  two  months prior to closing and have the cancelled checks to prove it.   I have submitted these t o Wells Fargo Ba nk many times and they have many times refused to investigate, and have many times denied this to this bureau and in the courts.   I would say that these issues could be coming from third party vendors that they use in their foreclosure schemes that they have never halted even after the mortgage settlement court orders and refuse to behave in an ethical way in their business model.   Their Vision and Values are aligned with buyer lawless behavior at any cost regardless of how they destroy the lives of millions of hard working Americans without a single accountable senior employee being held responsible.   Im sure this is just a real drag for everyone to have to deal with and respond to and actually look into, and we know that does n't happen.I am going to upload some documents to show you how this pillar of  Vision  and Values treats a long time banking client.

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 2022-03-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have set email notification for low balance. Bank did not send me email notification for low balance. Their system shows email notification could not deliver even though no issue with my email account. 
Next day I received email about overdraft fee charged. That email reception clearly shows no issue. 
This happen multiple times. Mostly on Friday email notification does not work and next day I get email notification about overdraft fee charges. I talked with Customer care and they tried to revert those charges their system shows its valid charges and they are unable to do it. 
Just to provide, no issues with email id, I have attached email received screenshot for 3 days. 

Please help.

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 2021-11-16
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2021 I XXXX XXXX natural person and consumer pursuant 15 USC 3002 , is aware that XXXX, EXPERIAN, and XXXX are XXXX my federal consumer rights. The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report. The FCRA allows a consumer reporting agency to furnish a consumer report for purposes In accordance with the written instructions of the consumer. I have not given my written instruction to report the following accounts XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX account number XXXX. These accounts have been sold to a third party debt collector. This information has been furnished without my knowledge, permission or consent. Pursuant 15USC 1681 a ( 2 ) a ( iii ) I have the right to be given a chance to direct the information about a transaction I had to be reported or not XXXX XXXX XXXX. Any transaction authorized by my social security number the real credit card defined under TILA pursuant 15USC1681a ( 2 ) b and must be excluded from you consumer report. Pursuant Regulation V a furnisher must conduct a reasonable investigation of a direct dispute if it relates to any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Investigated report must have sources of interviews of family and friends pursuant 15 USC 1681a ( e ).

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 2017-06-02
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
InXX/XX/XXXX I was informed by the IRS that there was attempt to file a tax return in my name/SSN. I reported this to credit bureaus and federal identity theft. InXX/XX/XXXX I  received a credit card from XXXX XXXX XXXX in the mail - I did not apply for it. I immediately called and alerted the bank. I was ensured that I did not need to do anything else. 3-4 weeks ago I received a call from XXXX XXXX XXXX at work stating that I needed to sign some documents at that they have not been able to reach me for several months. It turned out they sent the documents to an addressed I lived 11 years ago. I finally received the documentation last week and returned it immediately. Today I received an email from XXXX that my credit line was reduced from > $ 10k to {$500.00} due to a credit report. I immediately request a free report and notice that XXXX XXXX XXXX filed a > 120  day overdue account on my report - I was assured that this would not happen. I called the bank and they were of no help. I also called Experian and requested to investigate the false report. I called XXXX trying to correct my credit line but they refused.

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 2022-08-04
Company: Uplift, Inc
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/22 I received a phone call from XXXX at XXXXXXXX XXXX, I called back at XXXX. They left no voicemail and I've received no letters from them. It took several minutes just to get the caller to name the original debt which they state is from Uplift Inc to the tune of {$500.00}. I have not received any communication from Uplift for over a year. I told them I wanted verification of the debt and the woman argued that I needed to provide her a reason for my dispute so that they could provide verification of the debt. I reminded her this is not the way that it works. I am allowed by law to request a verification from a debtor, especially XXXX I haven't heard from an over a year and I don't have to provide a reason, they are required to provide it. This went back and forth for a minute with the debt collector arguing with me when I told her I am a legal assistant, it is the law they have to provide me validation in writing and that Alaska is a XXXX party state for phone conversation recording she ended the call. I don't believe I owe this debt but, I also believe it's a violation to try to 'talk ' people out of requesting verification. There is nothing in the law that requires I give them the reason for my dispute prior to reviewing what they allege to have. For all I know this lady is a scammer given the odd fact that an entirely different company called me for the same alleged debt that very same morning and couldn't rationalize why I had XXXX debt companies calling me on the same day for the same amount of money from the same creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: TN
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 acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 UCS 1681i ( 5 ) I have waited more than 30 days and updated my credit report and everything was the same. 

XXXX and Experian are reporting a bankruptcy but the date reporting is not correct on the reports because if it was they would be the same. 

This is a violation of the FCRA and is preventing me from purchasing real estate. 

I am attaching a copy of my dispute letters and my credit report to see how my rights were violated.

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: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacting many different times to XXXX  for them to send me a box to return the modem. I contact them on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2022 XXXX XXXX and XXXX XXXX XXXXThe representative from XXXX  kept letting me know they are sorry for me not receiving the return box from them, to wait from 7 to 10 days. I received a collection notification from them on Friday XXXX XXXX for the amount of {$220.00}. Contacted Eastern Account System of Connecticut phone # XXXX and they advise me to contact XXXX. 
I contacted XXXX  again today XXXX XXXX and XXXX advise me to wait 7 to 10 days for the return box to arrive. I want to complaint about this. They are not sending the return box for me able to send the equipment back to them. They provide the XXXX  location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I went to dropped it on XX/XX/2022 and they have a box with different equipment 's on the floor but there was nobody on the site collecting them. It was raining and I contacted XXXX  to let them know I was not able to see anybody to return the box but just a box outside getting wet. They advise me to drop it there and wait up to 10 days. I asked them for the box and until now XXXX XXXX not receiving any box. What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: TN
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:
Hey my name is XXXX XXXX XXXX and i have tried many times to rectify this issue with EXPERIAN. At this point i feel that i have been taken advantage of and treated unfairly. I have sent many dispute and this company just fail to follow the law and properly investigate this matter. these negative items on my consumer report has made it extremely difficult for me to obtain any type of credit.b I am hoping we can rectify this issue and remove the fraudulent items from my consumer 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 2018-05-31
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I recently open my credit card account with Chase. My card was flagged for fraud. I called their fraud department and was told to wait for a senior specialist to call me back. I have not received any calls. Therefore, I tried to cancel this credit card as it is not worth the hassle for me to pay for an annual fee when I can not use the card. However, the customer service representative is unable to close out my account. As I am unable to close my account via phone, I have sent a letter requesting the closure and have not heard any response. Therefore, I am going through this channel to get this account close.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I spoke with a representative concerning a 30 day late payment that is showing on my  XXXX  and Equifax credit report dated XX/XX/XXXX , I explained to the representative that I was never late and to please fix this with the bureaus. The representative advised me that they could n't go back that far and validate if there was even a late payment that the only thing that he could see was notes that the account was past due at that time. They refused to get this fixed with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had identity theft in XXXX in XX/XX/XXXX I requested my credit report and corrected wrong information. There was a collection XXXX at XXXX XXXX XXXX for {$2900.00} from XXXX XXXX XXXX. I disputed this account because I never received info on it. In XX/XX/XXXX the collection was deleted from my report. In XXXX I applied for a loan and this debt showed up again as opened XX/XX/XXXX. I disputed it with XXXX who said the collector was accurate? I never received any info on this debt? It was opened on XX/XX/XXXX But it was opened XX/XX/XXXX! That is not accurate. And I do not know if that is my Bill or identity theft because I was never given any info at all. The debt is barred XX/XX/XXXX which I dont understand because it was initially opened XX/XX/XXXX! It was deleted now XXXX says they provided accurate info? This cant be true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2021-11-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have worked very hard to restore and repair my credit and my life which was in bad shape after a divorce situation in XXXX. I have succeeded in doing so and currently have a reputable XXXX credit score. I am very particular about paying my bills on time and never do anything to damage this credit I worked so hard to restore. 

With that in mind, I believe The XXXX XXXX XXXX has taken advantage of me and defrauded me of XXXX dollars in the process. 

I received a phone call XXXX from a " Private Number '' and was curious to see who it was so I answered the phone. The man told me there was an urgent pending legal matter filed against me. He said he was a " process server '' and could not give me any specifics about the case. Offering no specifics on my inquiry about the matter, he then told me I could call a number, however, and he gave me XXXX and a case number XXXX. He said I had ignored attempts to reach me ( and was not specific about how ) and that as a result a law suit was filed. 

When I called the number, I said my name and the case number. The man said I was negligent and not a responsible person obviously because I kept on ignoring their attempts to reach me. I received no attempts via US Mail and I received nothing else referencing this matter. He was extremely aggressive, rude and threatening. He told me I had five hours to " fix this and pay. '' Honestly, it worked because I was intimidated that according to him they could freeze bank accounts, seize personal property including my car. It scared me and I reacted asking him to please send me at least a description of the debt. He complied and sent a letter with the apparently a Chase debt I didn't specifically recall. 

After over twelve years has gone by, I remembered that there was a credit card that my former wife and I had that may have been a Chase card as he said. At that point I thought that it must have been unresolved and to avoid any problems in my life, I agreed to pay the amount. I used a XXXX XXXX credit card to pay the amount of XXXX. 

After the fact, I did some checking at the urging of my son, to see if I had made a mistake. To my chagrin, XXXX XXXX came up in searches on XXXX as a notorious illegal " XXXX '' debt collector. Upon further investigation I realized that they had broken the law by not notifying me by US Mail, and that the Texas Debt Collection Act says that it is illegal to collect a debt more than four years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: LEXISNEXIS
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I talked to XXXX  about the Lexis Nexis reporting that they removed the bankruptcy from my record. XXXX  admitted that Lexis Nexis removed it from their file, but they did not explain why they removed it. XXXX  then lied and said that they sent Lexis Nexis to the Bankruptcy Court to verify. Lexis Nexis did not go verify as claimed by XXXX. Yet, XXXX, XXXX and XXXX still is displaying a bankruptcy.

In addition, my file is locked with Lexis Nexis and they lawfully can not report anything about me. XXXX has retaliated and started  removing aged good credit history from my report. XXXX XXXX said that XXXX disputed their entries that onto my credit report as fraud and asked them to remove from my credit report. This action led XXXX XXXX to remove all of my credit history. 

The three credit bureaus are now engaged in racketeering type of activity to keep scores down so that they can gain more money from subprime lenders. They are further being less than honest about companies verifying inaccurate information. 

I would like Consumer Finance to Do its job and regulate these out of control agencies. All three are further preventing new creditors from reporting credit lines during the pandemic so they can further keep scores down so they can profit from sub prime lenders and consumers seeking relied during covid.

I also disputed some bogus address on equifax that says I lived in Minnesota and they verified it as accurate. I have never been to Minnesota in my life. 

This is exactly how I know that these companies are fixing files to meet their own monetary goals. All 3 companies refuse to investigate inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, 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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: FISERV INC.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Money Network changed their fee terms without informing me. Prior to this ( and I have all the statements and fee structure form ), an account in good standing was charged no fees unless no activity occurred in six months. This changed without any notice in XX/XX/XXXX. They now charge a fee of {$5.00} which I have now paid 6 of them ( {$30.00} ) unwittingly. 

I have sent the complaint to Money Network and I reached Summer on XX/XX/XXXX at XXXX XXXX. They said that the fees could not be refunded as it was my fault that I did not pay attention to the notice. I certainly did not get a revised notice and still have the old one on my desk. I am sending a picture of the relevant page and that as long as I had activity within six months, no fee would be charged. I also send my statements proving that I was charged.

Company response to consumer: Closed with explanation