BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage has been sold to  XXXX  from Bank of America. Bank of America had all paperwork for modifying th e three  months I am behind due to medical issues. B ank of American has all paperwork including but not limited to FMLA and medical records from my physician. I was unable to  work for three months because of an injury and subsequent  XXXX  to remove my   XXXX   XXXX  . Bank of America has all the paperwork I was verbally told this in  XXXX   of 2017 an d now I receive a letter stating they need additional paperwork.  XXXX  has my loan currently. I am making the regular monthly payments to  XXXX  currently. Bank of America dropped the ball ... .again. I want Bank of America to take care of this immediately. I was told by my loan manager they would add this arreage to the end of my loan.

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 2015-09-21
Company: Alliance One, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2014, we fell behind on making a credit card payment. We were contacted by AllianceOne. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX. At this time, I calculate that we have paid them over {$11000.00}. However, on my credit report it shows that I only make a monthly payment of {$460.00} per month and the account has also been marked as closed. However, I receive a statement from XXXX XXXX XXXX XXXX monthly, and it shows they are still charging me interest. How can this be when the account has been closed and charged off? I feel that they are not applying my money in an appropriate manner so that this may be paid off quicker. While I do agree that we were behind and we owe this debt, I feel they are being unfair in the collection process. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a dispute letter via certified mail to have XXXX  XXXX XXXX Acct. # XXXX {$240.00} to be deleted from my credit report. Dispute letter was mailed XX/XX/2019. This account is still showing up on my credit report as of today XX/XX/2019.

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 2022-03-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
We have been trying to buy a house and when lenders run our credit nothing comes back from Equifax. They dont show any score, or any accounts. We contacted them and they said we needed to verify my identity, so we sent the documents in three times last year with zero response from them. We finally hired a lawyer this year and filed a lawsuit against them and they claimed the matter was fixed, but when I pull up my own credit report there is still nothing there from them. This has affected our ability to get a house, or a car, or anything that you need a loan for, and we cant get them to even respond to us by mail and there is no one to call or talk to. They just keep telling us to mail in documents but never actually do anything to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The bank is Fifth Third. 

I have not closed the account yet. Waiting for interest payment. 

I have a " relationship money market '' account with 2 % for the first 3 months ended XX/XX/18. 

Even if I go below the {$25000.00} the offer says I would receive a blended rate. 
I had a balance of {$100000.00} until XX/XX/18. 
{$40000.00} until XX/XX/18 {$0.00} until XX/XX/18 Per Offer attached : " Your interest payments may reflect a blended APY that is below 2.00 % '' The bank refuses to pay ANY interest on the month of XX/XX/2018. 

XXXX XXXX XXXX is the personal banker. 
XXXX XXXX is the Manager. 
XXXX XXXX XXXX. 
XXXX, fl XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Stearns Ventures, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made extra payments of {$1300.00} ( towards principal ) in XXXX, XXXX, and XXXX. I noticed on XXXX XXXX, 2016 the extra payment in XXXX was never applied, so I called the mortgage company ( Stearns Lending ) to apply the payment. On that date my principal balance was {$160000.00}, which should have been {$1300.00} less from the payment they did n't apply in XXXX. They told me this would be resolved by XXXX XXXX, which it was not. Today, the mortgage company tells me the job is closed and I now have a principal balance that is higher than my principal balance on XXXX XXXX, 2016. My payment history report is so full of red from all the reversals that I do n't understand the report. The financial advisor was unable to explain to me as well what they did without another full detailed research. I 'm minus {$1300.00} ( possibly {$2600.00} after an attempt to read through the payment history report. 4 - {$1300.00} in black and 3 - {$1300.00} in red, which leaves me to believe that out of the 3 extra {$1300.00} only one has been applied since all the reversals ). The mortgage company considers this matter resolved and I do 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 2022-07-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' so if that's the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. they never did a fair investigation according to the 15 USC 1681.XXXX XXXX also sent me a letter stating " There is no bankruptcies reporting on my credit report. 

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigate consumer report '' means a consumer report or potion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. states I have the right to privacy.

According to : 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.

According to : 15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-16
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: Information belongs to someone else

Complaint:
I WAS VICTIM OF IDENTITY THEFT, I HAD AN ACCIDENT, SOMEONE ROB MY CAR AND STOLE WALLET, IN MY WALLET I HAD A LOT OF PERSONAL INFORMATION, SINCE THEN I START GETTING DIFFERENT ACCOUNTS, WHICH ARE NOT MINE. I RECEIVED COPY OF CRDIT REPORT, AND I GOT ACCOUNT WHICH I HAVE NEVER APPLIED FOR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I WAS VICTIM OF IDENTITY THEFT, I HAD AN ACCIDENT, SOMEONE ROB MY CAR AND STOLE WALLET, IN MY WALLET I HAD A LOT OF PERSONAL INFORMATION, SINCE THEN I START GETTING DIFFERENT ACCOUNTS, WHICH ARE NOT MINE. I RECEIVED COPY OF CRDIT REPORT, AND I GOT ACCOUNT WHICH I HAVE NEVER APPLIED FOR.

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 2022-03-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I will attach a letter I wrote to Wells Fargo Bank which details the event. 
In summary, on XX/XX/XXXX, I received a call from " Wells Fargo Bank '' as identified on my cell phone. The " representative '' asked me if a XXXX XXXX was authorized to withdraw money from XXXX on my account. At the time, I was taken off guard because I had just settled a fraud matter regarding XXXX Eats. My senses were on heightened alert. The caller was very professional, walked me through each step of XXXX XXXX since I hadn't used XXXX before ) and instructed me how to transfer the money back to my own account. The caller never asked for my personal information. I was induced to transferring the full amount in my checking account {$790.00} and {$200.00} from saving " back into my account ''. I could see that the funds were transferred and was relieved the Rep had helped me. I was relieved that Wells Fargo appeared to have been protecting me from further fraud. 
My accounts registered zero the following morning. I reported the incident and was assured the matter would be corrected within 10 days. Luckily, I have another account with a credit Union I could live on. Wells Fargo responded in 15 days ( XX/XX/XXXX ) and failed to acknowledge that I was a victim of a crime. ( See attached letters ). In fact I felt shamed as WF claimed it was my fault. 
I continued to search for help and answers. I was met at resistance at every corner. 
On XX/XX/XXXX, I made a formal complaint with WF during an in person meeting with a WF banker. The banker informed me that I was to receive a response from WF within 2 days ( WF policy ). It is now XXXX XXXX and I have not heard back from WF. 
I am certain with your intervention this abhorrent form of business will be addressed. Furthermore, I would like to site the Electronic Fund Transfer Act. Regulation E. My next steps include informing our local News Stations in XXXX XXXX and XXXX XXXX and closing my account if there is no solution within the 15 days. 
Thank you so much! 
XXXX XXXX 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 monetary relief
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Several fraudulent accounts appear on my credit report and I have no knowledge of these accounts. I have tried several procedures to have these accounts deleted from my credit report because I didn't know the proper steps to take these fraudulent accounts off my credit report so the information just remained on my credit report. I have contacted these companies directly about these complaints. They did nothing. I even considered paying collections off through collections agency departments in hopes that specific accounts would be deleted. These negative accounts should be deleted immediately from my Experian credit report. 

Negative Accounts : 1. XXXX XXXX XXXX / XXXX XXXX XXXX - {$2100.00} on XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX XXXX XXXX  - {$180.00} on XX/XX/XXXX, 3. XXXX / XXXX XXXX - {$1300.00} on XX/XX/XXXX, 4. XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX{$1000.00} on XX/XX/XXXX 5. XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX {$560.00} on XX/XX/XXXX, 6. XXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} on XX/XX/XXXX, 7. XXXX XXXX / XXXX XXXX XXXX XXXX. {$800.00} on XX/XX/XXXX, 8. XXXXXX/XX/XXXXXXXX {$330.00} on XX/XX/XXXX It is also a host of fraudulent hard inquiries as well listed below : 1. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, 3.XX/XX/XXXX - Inquiry date : XX/XX/XXXX, 4. XXXX XXXX XXXXXX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX, 5. XXXX XX/XX/XXXXXXXX XXXX XXXX date : XX/XX/XXXX, 6.XX/XX/XXXX - Inquiry date : XX/XX/XXXX, 7. XXXX XXXX XXXXXX/XX/XXXXXXXX - Inquiry date : XX/XX/XXXX, 8. XXXX Inquiry date : XX/XX/XXXX, 9. XXXXXX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 10. XXXX Inquiry date : XX/XX/XXXX 11. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX 13. XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX Inquiry date : XX/XX/XXXX 15. XXXX XXXX Inquiry date : XX/XX/XXXX These accounts should be deleted immediately from my credit report 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 explanation
Consumer complaint received 2019-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a dispute letter via certified mail to have the XXXX Account # XXXX {$360.00} be deleted from my credit report. Dispute letter was mailed XX/XX/2019 and a follow up letter was mailed after waiting 45 days. This account is still showing up on my credit report as of today XX/XX/2019.

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 2020-03-06
Company: LCO Financial Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
How is this company allowed to charge interest rates over 300 % this is totally unfair and should be illegal. I am an older person and it's costing me over 800 per month for 10 months to pay back a XXXX loan.

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 2022-07-11
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: Information belongs to someone else

Complaint:
FCRA violations : payments never late XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/2022 Balance - Status Paid, Closed

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 2020-11-11
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Sequio Financial services asking to validate the debt, but I have not received anything from them. 
I did not authorize this charge. This should not be on my account Account no. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
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:
In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, XXXX XXXX Account # : XXXX, XXXX Account # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bankruptcy XXXX  XXXX Bankruptcy Status : XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : U.S. Bankruptcy Court Liability : XXXX Exempt Amount : XXXX, Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no knowledge of this debt. Ive just seen it on my credit report but I never received a notification or verification. 

Account name MIDLAND CREDIT MANAGEMEN Status Collection account. 

Balance {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have disputed this twice with Transunion started in XX/XX/XXXX in the amount of {$160000.00}, for our home mortgage credit report stated 36 missed payments. They have sent me paperwork once stating that I was correct, since I have checked my credit and it has not been changed this is severely hurting my credit. According to '' XXXX " we are current on mortgage payments. I mailed copies on XX/XX/XXXXof the second dispute with Transunion.

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 2022-03-15
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Last month between XXXX XXXX an imposter made 3 charges on my XXXX account after they hacked and of course they were not authorized. These charges were attached to checking account ending # XXXX and came to a total of around {$1400.00}. I filed a dispute, and it was quickly dismissed. Of course that account was closed and that doesn't stop the bank from doing an investigation. Shortly afterwards, they denied the dispute. 
I refiled dispute on XXXX XX/XX/2022 again about these fraudulent charges. Citibank is in violation of the Electronic Transfer Act by denying customers credit for fraudulent transactions. This is a recurrent theme with Citibank and something that will eventually land them in hot water. 
I need my money back and Citibank needs to follow the law and honor customers disputes. I was a customer with this bank for about 16 years and they are now trying to claim they don't recognize me as a customer. How low can you go? This bank is also involved in fraud as they help thieves to steal customers ' money. I hope the government can go ahead and start an investigation into these deceptive 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 explanation
Consumer complaint received 2021-08-25
Company: Experian Information Solutions 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:
Collections account XXXX XXXX XXXX ( XXXX {$1800.00} ) has been disputed and deleted from my credit report. Report XXXX XXXX with Experian. 
The same account but different collection company is showing on my credit report again as of XX/XX/2021. Collections company : XXXX. XXXX ( XXXX {$1800.00} ) Filed another dispute with Experian demanding it be corrected and deleted from my credit report. This has cause a huge drop on my credit score.

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