BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-10
Company: AXOS FINANCIAL, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
*As the Bank has refused to address matters previously described in 2 PREVIOUS COMPLAINTS... ( a ) Unresolved issue in complaint # XXXX, ( b ) redress in # XXXX .... This is a third attempt to resolve disputes with charges in a closed acct* **As detailed in Feedback to initial impotence '' Partial satisfaction .... ( a ) yes the company provided the 45 day transactions, as requested... ( b ) yes the company provide the desired wire transfer medium... ( c ) However, it is 110 % the Business practices/governance that poured gas on an already burning issue. ( d ) It is 110 % of the compay 's failure to perform this very remedial customer servicing task that created undue burden and hardship on a customer 's financial mean to live. ( e ) It is 110 % of the company 's ineptitude to acknowledge the customer was/is a victim of some financial crimes and Axosbank as a fiduciary of that customer 's issues, failed miserably in being THERE, supporting a customer... Instead, the Company was an antagonist to a customer 's interest. Lastly, there are 3 disputes that must be registered, worked out and processed accodingly.. ( f ) XX/XX/2021 XXXX {$100.00} **The vendor is refunding the amount and that amount should be wired to the desired routing/acct # given in the provided for for ( b ) ( g ) XX/XX/2021 XXXX {$750.00} ** Disputed for failure to provide services. XX/XX/2021 XXXX {$790.00} **Disputed for unauthorized charge. ** XX/XX/2021 BlueHost {$100.00} <~~ Where is that refund XX/XX/2021 XXXX {$750.00} XXXX No services provided XX/XX/2021 XXXX {$790.00} XXXX Unauthorized charge XX/XX/2021 {$74.00} XXXX This charge has been refunded by vendor XX/XX/2021 {$74.00} XXXX This charge has been refunded by vendor Where in the XXXX is my $ $

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I DID NOT MAKE THE ATM TRANSACTIONS AND I AM A SINGLE FATHER I NEED THE MONEY FOR MY DAUGHTERS NEEDS. WELLS FARGO IS SCAMMING ME BY NOT RETURNING MY MONEY AND JUST DENYING MY CLAIM.

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 2022-04-28
Company: The Outsource Group, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i received a few phone calls from medicredit whom i dont have a contract with saying i owe them money i dont know who these people are they can be anyone soliciting me trying to extort me for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
Everytime i come to  bank of america  on  XXXX  i have to wai t 30 min i nside when a particular teller is working. Someone needs to close this branch down. I have heard several people complain about this bank. None of those describe my issue ... thid teller is either accepting a money truck or its another customer  w an iss ue ...

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 2021-12-10
Company: Lendmark Financial Services
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX entered into a consumer credit transaction with Lendmark Financial Services, LLC on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. This means there should be no separate fees associated with this consumer credit transaction beyond the amount financed. Pursuant to 15 USC 1640 ( a ) ( A ) ( i ) I should receive compensation for twice the amount of the finance charge shown as {$6500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my VA home loan through XXXX XXXX  XXXX  in XXXX of XXXX. The mortgage was eventually transferred to Freedom Mortgage. XXXX underpaid my escrow account while I was with them, even though I e-mailed and called my lender to tell him his escrow estimate was not enough before the loan was finalized. He assured me his numbers were right, even though I pulled my information from the county website. Needless to say, around XXXX of XXXX after Freedom Mortgage had acquired my loan, my Monthly mortgage shot up around {$300.00} a month over the span of 2 years because of the escrow mistake. Being the only person working in my family at the time, it put us in a hardship situation, My savings was slowly depleted and I couldnt keep up on payments anymore. On top of that, after struggling with the payments and foreclore looming, my wife who was a stay at home mom was forced to go back to work in the evenings as soon as I got home from work. 

The missed mortgage payments hurt my credit score and impacted my family. I Feel that I was lied to by XXXXXXXX XXXX XXXX, as the property tax information was readily available on the county website website. So for them to get the numbers wrong even after I brought it to their attention was very upsetting.

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 2022-10-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: CBC Companies, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was at work doing trainings and I XXXX XXXX I received a notification From XXXX, I did not apply for a Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX is reporting a collection on my credit report and fails to provide validation or verification d the debt of the sent as they are listing the account as a collection account. According to XXXX, XXXX and Experian, this alleged debt has been verified. How did they verify the debt if the company has provided that information.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: MD
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:
n accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXX XXXX  Accout # XXXX, Account : XXXX XXXX XXXX Account # XXXX, Account : XXXX XXXX Account # XXXX, Account Name : The XXXX XXXX XXXXXXXX Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Account # XXXX, Account Name : XXXX  XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX XXXX  Account # XXXX, Account Name XXXX XXXX Account # XXXX, Account Name XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXXXXXX filing, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-14
Company: Factor Trust
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was at work doing trainings and I XXXX XXXX I received a notification From XXXX, I did not apply for a Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: CA
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 very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have XXXX  days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Dovenmuehle Mortgage, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 XXXX distributed a tax payment out of our escrow account to a property we don't own. The property has a similar address. They also made the correct payment for my home. As a result our escrow balance dropped and our monthly mortgage payment was increased several XXXX dollars to make up the deficit. XXXX did not correct the issue and in XX/XX/2020 we were sold to XXXX. 

I have sent all the information to the refund proxy department at XXXX in XXXX to try and recover the tax payment in the amount of {$2100.00}. They have yet to reply or contact me. Each time I try to follow up I receive a standard interim letter. I have provided them all the documentation. I have contacted the Town. We just want our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: National Credit Systems,Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On the date of XX/XX/2021 I questioned the Balance : {$1800.00} of obligation that you are endeavoring to gather from me for alleged account # XXXX. Also, I mentioned confirmation of the supposed obligation according to my privileges under the FDCPA. Concerning my confirmation demand under the FDCPA, I mentioned a duplicate of a marked agreement too assuming any security store was held to balance the equilibrium, evidence of mailing of any assertion of charges itemizing the justification behind keeping store assets, and verification of the letter mailing date. Any agreement or understanding sent should be with the first bank and marked by all gatherings to it You have neglected to acquire and send confirmation of the supposed obligation by not mailing me an agreement. Rather than sending me a consented to agreement or arrangement as mentioned, you sent didn't give any reaction Consequently you don't have an agreement with me and I don't approve this obligation. There are additionally state laws that expect you to send me a report by affirmed mail which and should involve the subtleties of the leftover store sum. Moreover, I mentioned that you cut it out all assortment movement, counting credit announcing. That is, I mentioned that you erase all announcing made to any purchaser revealing organizations. You have neglected to address my quite certain legitimate demands and are in clear infringement of the FDCPA. Under the FDCPA, it is unjustifiable or inappropriate to endeavor to gather a supposed obligation in any sum that isn't explicitly approved by an arrangement making the obligation or allowed by law. 


Because of the previous, you have caused me extra pressure, disappointment, credit harm, and expenses. You have likewise deferred your chance to agreeably resolve this issue without the need to prosecute. I expect to advance this make a difference to a lawyer or start case against you under the FDCPA. Until you are officially served process, you might resolve my FDCPA guarantees by doing the accompanying : ( 1 ) stop this instant assortment, ( 2 ) erase all of your credit detailing, and ( 3 ) delicate {$1000.00} U.S. The {$1000.00} U.S. should be made payable to the request for XXXX XXXX and got inside 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Experian Information Solutions Inc.
State: LA
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:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : DEPTEDXXXX  XXXX Balance : {$22000.00} DEPTEDXXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-10
Company: Square Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made several calls to CashaApp concerning my direct deposits and all they could tell me is how to find my account number/routing. I called Social Security and they said that it had been deposited into XXXX XXXX and it was not the same account number as CashApp. Then we finally called XXXX XXXX  to see what happened. Social Security and myself was told that They are no longer in partnership with CashApp since XX/XX/2021 and that CashApp was supposed to have sent out letters or email letting us the consumers know of these changes, but we received nothing. Because of this my money is stuck in ciber space waiting to be returned back to Social Security and I am waiting more days for a deposit that I should have had on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2021-12-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Title loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In the first week of XX/XX/2021, I went to make my final payment to BMO Harris bank by logging into my BMO account. In my BMO account, I was able to see how much was on my loan so I could use their express loan payment site to make the payment. I could no longer see the amount I owed, it was as if the account was closed as it wasn't showing on my screens anymore. Unsure of what my balance was, I tried to call BMO many times. I was out of the country at the time and tried to use their international number, but the number would never connect me to a representative and would disconnect. I contacted BMO via email and social media but never received a response. I have an email I sent out on XX/XX/2021 detailing my frustration with the company for not responding to my calls or inquiries and that I just wanted to make my final payment but did not know the amount I still owed. I emailed them consistently for the next following weeks, I was calling them on the international number, I even had my mother call and speak to them as well. They told my mother that they can not speak to her as she is not a user on the account and therefore she can't make payments, but I could add her as a user. I sent more emails requesting to add her as a user but I did not receive a reply until XX/XX/2021. I replied to their email with my mother 's information and requested the number to call to pay off the loan as well as the amount. I never received a response from them until eventually, my mother was able to get in contact with one of their representatives. This representative stated once I approved her ability to speak on my behalf and make the payment, she would need my mother to call her directly in order to make the payment as only she could make it. Once I sent the information with my mother 's details over email, my mother tried to contact this representative whose name I believe was XXXX or XXXX, but it consistently went to voicemail. My mother left many voicemails to make the payment but we were unable to get in contact with her. Eventually, I returned to the states at the end of XX/XX/2021, called BMO, and made the payment myself but at this point, the damage was done and they marked me as delinquent despite my many efforts to pay my final payment.

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 2021-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
( XX/XX/2020 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1681B ( 2 ) /3A ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. 

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater

Company response to consumer: Closed with explanation