BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Essentially I got tricked into selling my house in a manner I was unaware of. Instead of the buyer paying off my mortgage and getting their own, it got put into some sort of owner financed deal which left the mortgage in my name. I ca n't have this, because of this mortgage account I can not get approved for any loans because my income to debt ratio is so far off. 
The mortgage is also in extremely poor shape and borderline to foreclosure again. I am unable to contact any of the other parties in the deal and the contact I did have with them did not help. I have the right to foreclose the property if the account is in default but its been in default for over 6 months and no one will let me exercise my rights in the contract. 

Wells Fargo has the mortgage and they have the ability to end this situation immediately via my original loan but I can not get in touch with someone who can take any action or even look into this. As long as payments come in, late or not or wrong amount even, they just keep the loan current. I also get phone calls non stop, everyday from Wells Fargo wanting me to make the payment which I have not made in over 3 years. My family is basically being held hostage by this mortgage, we need a newer car and a home and we ca n't get it. The reason I sold this house is because my wife was XXXX and XXXX throughout the XXXX, all this did was make things much worse. Everywhere I turn for help I get sent somewhere else and I do n't have {$270.00} an hour for an attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Sometime between XXXX  XXXX, 2019 and XXXX  XXXX, 2019, both of my XXXX XXXX credit card accounts were removed from my Equifax credit report. This was done without my permission and has dropped my score by over 60 points. I am still an authorized user on both accounts so both should be listed on my account. This has seriously impacted my life as I was in the process of applying for a home loan. I will be seeking financial restitution in the amount of {$2000.00} per account for this illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Experian Information Solutions Inc.
State: AL
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:
After reviewing the credit profile XXXX XXXX XXXX continues to furnish information on credit profile. Where services were rendered, its medical coverage was unavailable, was there any financial assistance available?

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 2017-06-23
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX/XXXX/2017 XXXX never received any bill to pay, no notice so i could validate as per fcra. Item just posted to my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-19
Company: CNG HOLDINGS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Like in XXXX or XXXX Aprox I dont remember a exact date. I bought a bedroom set for my new apartment. When I knew The account was almost paid off I called the company so I could pay off all my account. They gave me the exact quantity of how much I owned them, I paid, The next day the were charging me the same amount I had payed the day before. I told them. How is that? He just told me, Im sorry he just made a mistake. It wasnt the first problem I had with them. For weeks I tried to log in in my account to see my account balance and I couldnt not. I contacted for help but they even never got me to log in to my account. I am on my right to think they were just scamming trying to get my money. I made a a dispute and XXXX  deleted the report, but they posted it again, I made another report, they deleted it and after a year it appeared again. But this time XXXX  didnt paid attention to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Foris DAX, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
On sat XX/XX/2022 I was having an issue with my crypto.com app. It was not loading. So I uninstalled it and re installed it. Before that I had my phone number changed. Because of that I was was unable to use the 2 step verification because the number they had was no longer active. I chatted with them on their app and tried to change my number. They refused to change my number because it was a XXXX XXXX number. I did not try to change my address. I I formed them that I was unable to log in and to try and find another way to let me into my account with my money and financial information. They kept refusing to let me access to my account. This is illegal. They can not deny me access to my money or my financial transactions and irs related documents. I talked in a course of hours. They kept trying to say that I was not restricted yet I can't access my account unless I have a phone number from another state. They want to try and force me to go to another state to get a phone number so I can access my funds and banking information. I still have yet to get access to my info and digital wallet. IN ESSENCE THEY ARE STEALING FROM ME AND PREVENTING ME FROM MY RIGHT TO MY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This is a follow-up dispute to my XXXX original submission number : XXXX. I received the attached final results from Experian in the mail yesterday after I had already submitted my complaint. You will see the date of XXXX XXXX, 2016 as the date of the results of Experian 's " investigation. '' They clearly ignored XXXX XXXX 's directive to delete all the information circled on the attached first page of the report. Yesterday I attached XXXX XXXX 's letter that was sent to XXXX credit bureaus XXXX and is very clear now that Experian has no intention, refuses and has failed to update my credit report as instructed by XXXX XXXX in their letter dated XXXX XXXX, 2016. The only thing left now if this is not rectified VERY quickly, is a lawsuit and I have proof of a winning case just with these two attachments. I could use the extra money Experian so go on breaking the law.

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 2020-06-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am new to credit and recently went to apply for a vehicle and they stated I have a collection on my credit report. I need this looked into and taking off my credit if they can't prove I owe this debt. 

This is greatly hurting my credit. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: PA
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 XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XX/XX/XXXX, Equifax XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Complaint XXXX was sent back saying they needed attached items. I will include attachments to show this is me and I need complaint sent to Experian! 


I am a victim of identity theft and I am trying to correct the inaccurate, incorrect and misused information on my profile multiple times, how they are refusing and claim its verified. 


( Its there job to prove the account is mines or not )

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 2015-08-11
Company: National Arbitration Forum
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I 've reported these people before. You have open complaints. I received another call this morning at XXXX XXXX. Here 's the transcript : Hello, This is XXXX XXXX XXXX we have some paperwork listing your name and address that 's involved with an investigation that requires your immediate attention we need a return call back from you, so that we can report you 've been cooperative and compliant in our investigation. Our office number is XXXX, Please reference file number XXXX when calling. Have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: PNC Bank N.A.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a call from XXXX in XXXX, NY stating that they had received my online application and that I had been approved for a loan of {$5000.00}. ( I had applied for a few payday loans so am unsure as to which application this was. ) The installment loan appeared to be a reasonable rate and payment terms so I went forward with the loan. I originally spoke with a XXXX. She told me that in order to qualify for the loan, my 2 XXXX XXXX  credit cards needed to be paid off so that it would raise my credit score. If that happened then I would qualify for a lawn up to {$10000.00}. I stated I only wanted  XXXX and to move forward with that. She then stated that they would pay off the 2 credit cards, and I would have to go to XXXX  and buy gift cards for the amount of the payoff of the credit cards, so basically to pay them back. One of the payments came through from PNC Bank to pay off the amount of the credit card balance. XXXX XXXX  put a hold on the funds but PNC ( or whoever they are ) called the hold dept and got XXXX  to release the funds. I was then instructed to go to target and purchase {$6000.00} in gift cards, which I did. PNC/XXXX  then took the gift card numbers and pulled the funds from those to pay themselves back. The funds for the other credit card payment came into the account and then PNC/XXXX  reversed the payment and my account was charged a {$25.00} return fee from XXXX. I then started dealing with a XXXX XXXX who told me the bank was XXXX XXXX XXXX XXXX. His number is XXXX. He then told me in order to fund the whole {$5000.00}, I would have to have both the credit cards paid down to XXXX   again and do the gift cards at XXXX  before they could fund the full {$5000.00} loan. They made 2 payments on XX/XX/2019 and again reversed one, which caused XXXX  to charge my account another {$25.00}. XXXX put a hold on the other payment again as I told this XXXX guy they would and I would need proof from their end to prove to XXXX   that the money was good. He refused to comply with that request and then threatened to cancel the transaction. He was only corresponding with me via text, and when call the different numbers, they answer the calls in different ways. I realize this is a complete scam so I wanted to play it through to see what they do. I have cancelled my 2 credit cards so at this point, they can no longer make or reverse payments from my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I sent Equifax a method of verifcation letter after receiving a generic response to a dipsute I submitted. Per the FCRA the company has 15 days to respond, it has been almost a month and I have yet to receive a method of verifcation from Equifax. I have attached a copy of the letter and read receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: Resurgent Capital Services L.P.
State: AR
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 have been a victim of identity theft through a breach of personal information. Resurgent capital services bought my personal information from XXXX XXXXXXXX to manipulate me into paying them. I have never done business with Resurgent Capital Services and I first learned about this incident when they furnished fraudulent information on my consumer report. I have reached out by phone and now by mail to file a dispute to have the reporting removed but they refuse to start their investigation. It has now been two months since i first filed the dispute. They say that a police report and FTC identity theft report to proceed so i have sent them by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due because these are obviously billing errors. Below is a list of the disputed account. 
XXXX XXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2019-12-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or around XX/XX/2019 we had applied for mortgage assistance due to loss of employment. We were current on payments throughout the process and received responses to our application for mortgage assistance in mid XXXX. By that time, we had found employment, so we were no longer in need of the mortgage assistance. The unfortunate part to us exploring this, is, that we think that as a result of the application for assistance, it triggered a review of our escrow account in which we had always managed the payments on our own for taxes and insurance. Due to this, our regular payments were applied to the escrow account and not our regular payments. These actions caused us to show as delinquent on the account. I had tried to resolved this several times by leaving messages, talking to several processors to be told it would be resolved. I also wrote in through the website to get this resolved. Again, we were never delinquent so I'm still not sure what triggered the escrow review to begin with as we have also never been delinquent on hazard insurance or property taxes. Now, because of the misapplication of funds into our mortgage to the escrow account, it has caused incorrect reporting to the bureaus and notations on our credit file that are incorrectly showing paying under and agreement.

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 2020-07-07
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:
IVE BEEN VICTIM OF IDENTITY THEFT

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 2018-09-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
1. Unable to deposit money into my checking account at USAA. The mobile app will not work with my phone. The web dept has downloaded/hacked into my phone with malware preventing features on my phone from functioning properly. Some of malware caused my phone to overheat and drain battery. It also destroyed some data and applications on my phone. I no longer have conference calling feature. 

2. When I made complaints on community forum, as recently as last 4 weeks ago, banking dept and web support deleted my on line complaints to censure my free speech and due rights under the Bill of Rights and Constitution that I fought for while in military. 

3. I was injured on XXXX XXXX, am 100 % XXXX and injuries are 100 % service connected. Yet USAA will not allow accommodations under ADA. Accomodations dept will not return calls nor answer my calls. 

4. Because I have been unable to make deposits to my account USAA banking has imposed several NSF charges against my account and charged hundreds of dollars in fees and refused to make accommodations even though I am a senior ( 66 years ) with documentex neurological dysfunction as part of a service connected XXXX and have memory loss. Instead of assisting me they are stealing my money and using my XXXX against me, acting as a sreet thug would preying on XXXX seniors. The CEO 's office has been directly communicated witg conerning all above issues and refused to intervene. 

5. USAA refuses to comply with California law requiring all foreign corporations to maintain a local agent for service of process so that we can bring suit in California for state law violations, including fraud, breach of contract and failure to follow banking regulatuons. USAA had destroyed my cell phone and refused to repair and process insurance claims. 

6. Banking Dept at USAA has lied to me, hung up on me, refused to accept my phone calls and deleted my online complaints about above issues even when I was trying to report stolen wallet and credit cards and fraudulent transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Navy federal credit union closed my account due to me getting my identity stolen they went through my account when I reported to them they confirmed with me that a device I didnt even own was logged into my online banking my email phone number and personal information was also changed and I give them all the correct information that was mine they then told me not to worry that they will open my a new account ( I did say I would pay the negative balance from the past account because I believe I should have been more observant in my transactions history ) two days after the account was opened I called to ask a question and find out they had closed my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been with Chase for years. I have 2 credit cards with them ( as well as my checking and savings ). I have NEVER been late. They have refused to increase me credit card limit time after time. Not only that, they now decreased one of my credit balances from XXXX to XXXX without my consent. There was no reason and I use my credit card often.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
no account with AFNI. Final Accounts with XXXX XXXX XXXX was paid in full.

Company response to consumer: Closed with explanation