BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job after XXXX years on the job I called Wells Fargo for a modification the lost mitigation department told me that for unemployment they do n't offer a modification they offer only unemployment assistance program which means they will take a lower payment from me but they will ruin my credit how is it how is it fair to us I have always made our mortgage payments. He said it 's more than likely because the unemployment benefit would not cover the payment how would he know that if you never even took an application on me. I know someone that was on XXXX that 's also a temporary situation and temporary income and they got modified so how did they pick and choose who they 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 explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, 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:
Equifax deleted the debt collector XXXX XXXX XXXX XXXX XXXX from my credit report because the company failed to respond in the 30 day time frame. They allowed XXXX XXXX XXXX XXXX XXXX to report and placed them back on my credit file which is a direct violation of the Consumer Fair Reporting Act. Since reporting back on my credit report, it is now showing that I opened this account 4 months ago, which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Request to delete/remove all XXXX XXXX XXXX accounts effectively and immediately with reference to both Capital One credit card debt. Current litigation in Supreme Court of the State of New York - XXXX county with my request to forever discharged, discontinue actions, and cancel XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
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: 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 XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2015-11-06
Company: Luna Financial LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Luna Financial located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX has called me on numerous occassions trying to locate my sister and nephew because they were late on their payment, XXXX XXXX and XXXX XXXX, who have a car loan with them. They were not skip tracing. They would also leave messages on my voicemail. I asked them to stop calling me month after month. They stopped. Today, XXXX XXXX, 2015, I received a call from them again. I told the gentlement not to call and that I had asked them in the past not to call me anymore. He said they were going to continue and call me again next month and hung up on me. I called back to ask for a manager and the same guy answered and said that they were going to continue and call me and hung up on me again. I would like for these phone calls to stop. I am not a message center. I would like my phone number to be removed from their records and for them not to contact me again. 
Thank you. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Uplift, Inc
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On the eighth day of XXXX the year 2022 I XXXX XXXX Hereby certified that I am putting your company uplift INC on full legal warning. You claim you couldnt find any errors on the credit report as I have used factual base information to show you I will give you 30 days to remove the account in its entirety or else you will face the consequences! I have proof of taking legal acting before on creditors and credit reporting agencies if you dont believe me try me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Today, XXXX XXXX, 2015, an employee of Regions Bank located at XXXX XXXX XXXX, XXXX, TN XXXX, released personal information, to an unauthorized individual. The individual, a friend of my mother, was doing some personal banking for her. The bank manager looked up my personal account and informed him of my account balance. The individual then notified me, by phone, of this incident.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: First Credit Services Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled membership with XXXX XXXX XXXX XXXX both in person and in writing, effective XXXX XXXX, 2010. The fitness center continued to charge 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 2022-10-09
Company: General Motors Financial Company, 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 have attached history of disputes with this place/organization These are the Dispute Report Numbers which can be verified with the credit bureaus. 

Disputes go as back as last year XXXX XXXX XXXX Under FCRA 623 ( a ) ( 3 ), FDCPA 807 ( 8 ) " if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. 

They have failed to state this on any of my reports therefore violating my rights. 

No proof of ownership, late payments or any at all has been provided as proof. 

Copies of reports will be attached. 

Each report will show failure to report account under dispute as of my rights on FCRA ( a ) ( 3 )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
ive tride to get credits cards and my bank and ive tried to get a car at a dealership. both times it says i owe money. ive never had a credite card or anything to builed or ruin my credite

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am requesting to validate/verify the accounts below. 
Please delete any accounts below that can not be validated/verified. 
JUDGEMENT XXXX o XXXX AND XXXX XXXX o XXXX/XXXX/2009

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Credit Consulting Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented a XXXX ' unit from an XXXX, CA, storage place to store science education materials for nonprofit classes. The company added an unexplained {$140.00} fee when I was moving out. I made it clear I would n't pay it without a good explanation. They provided a list of payments but there was none missed except for an alleged XXXX from a past rate increase 6 months earlier that I pointed out had arrived too late for the required 30 days ahead. They admitted in an email the rate increase was mailed out only 2 days ahead of the required 30 days. It can often take more than 3 days for mail. I documented by video they said this {$13.00} was not important but it is not clear if this is relevant. But now they 've reported this unexplained XXXX to a collection agency who claims it contacts all the major credit reference companies. I 'm not sure what to do about this " snake in the grass '' company. A few months after they bought the company about 2 years ago, they emailed me while I was out of state on vacation that my locker had been broken into and emptied, but later when I asked them to review video tapes they admitted it was a mistake.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Wells Fargo ( WF ) has about XXXX customers. 

US adult cell phone usage is about XXXX %. 

Therefore, about XXXX WF customers do n't own or use a cell phone. 

Yet, WF has just instituted a security policy that prevents those XXXX customers from accessing their funds in its SurePay payment system. 

WF customers are required to obtain an " advanced access code '' in order to send money via Surepay, to friends, family, or businesses. The only way to get a code is to request and receive a text message on a cell phone. There is no other way to get a code. This new measure was put in place with no notice. 

I spent 2 hours on the phone today discussing my frustration with this new obstacle ( my cellphone has no service in my rural Colorado area, so I can not get a code ) with WF customer service, escalation, and corporate staff. In a nutshell, their response was " we do n't care, we are not going to make any changes ''. I expected them to offer alternatives, of which there are clearly many, but no, just more of " this is how we do it, if you do n't like it, go somewhere else, because we just do n't care ''. 

I do n't think WF should be allowed to deny me access to my money, and the ability to transfer it to others of my choice, in this manner.

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 2022-10-09
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:
Transunion you have 3 violations that are reporting on account XXXX XXXX { XXXX XXXX  } remove this account for violations Enclosed is a receipt for the violations { 1 } no account number { 2 } can not report open account on a collection { 3 } no closed date from the original owner = {$3000.00} for violations or delete this account at once and call it even

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 2022-03-17
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was paid off in the year of XXXX. I discovered that the final escrow disbursement check had been placed in my mailbox was behind the mailbox, between the vinyl siding and the back of the mailbox. I discovered the letter containing the escrow check on XX/XX/XXXX. 

The date on the check was XXXX, so on the XXXX of XX/XX/XXXX, I contacted Truist Bank and was notified that they would expedite payment of this check and now the day is XX/XX/XXXX, I do not consider this as being expeditious. I have called the client services toll free number and made a in person visit to the local branch bank and received no adequate resolution. 

Please assist in getting the bank to return my escrow that they owe me. 
I feel that a reasonable expectation of " we will expedite this sir| '' would be 3 to 5 days, and now it has been almost a month this is not treating valued CONSUMER well. 

As the CONSUMER FINANCIAL PROTECTION BUREAU my expectation is that you use your full weight and authority of your agency to apply pressure on this financial institution, TRUIST to get my money they owe as expeditiously as possible. 

Thank You very much

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 2022-10-09
Company: EQUIFAX, 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:
Hi, My name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. These items are effecting my credit score. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am requesting you update your records to reflect my current address : XXXX XXXX XXXX XXXX XXXX, Kansas XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Kansas XXXX I request you to provide accurate Address information and Employer information. I am entitled to accurate reporting information Fair and Accurate Credit Transactions Act of XXXX ( amending the Fair Credit Reporting Act, " FACTA '' ), 15 U.S.C. 1681n ( a ). For willful failures to comply with the Act 's disclosure requirements, plaintiffs XXXX seek statutory damages between {$100.00} and {$1000.00}. 
Reporting incorrect/inaccurate information-Inaccurate Address Information Reporting incorrect/inaccurate information-Inaccurate Employer Information Please provide detailed description of all procedures used in your process to determine complete accuracy of the information youve reported. Once you have finished your investigations, send me a complete copy of my credit report. As proof of my address, I have included copy of my Lease Agreements dated XX/XX/XXXX & XX/XX/XXXX. 

I have also provide a letter from XXXX Insurance dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I Would Like To File For Identity Fraud And Clear My Name. From XX/XX/XXXX-XX/XX/XXXX I Was XXXX And IN Between XX/XX/XXXX-XX/XX/XXXX Someone Was Using My Name And Social Yes For Mortgage Loans, Student Loans, And Auto Loans. I 've Never I REPEAT I 'VE NEVER FILED FOR ANY OF ABOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This complaint is against Mid America, C/O XXXX XXXX for 8 different RESPA violations under 12 CFR 1024.36c, 1024.36 ( 2 ), ( b ) and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) for failure to respond to Qualified Written Request and Notice of Error Mid America Mortgage, C/O XXXX XXXX. Is the Mortgage holder as well as the Mortgage servicer.

In XX/XX/XXXX I noticed that the Mortgage company was not reporting our payments to the credit bureau.

I have made several Qualified Written Requests in accordance with 12 CFR 1024.36a to Mid America Mortgage , C/O XXXX XXXX. , requesting notes from our service file about the handling of our reaffirmation agreement.

XX/XX/XXXX Email to XXXX. XXXX  failed to respond within the 5 and 30 business days requirement, Violating 1024.36c, 1024.36 ( 2 ) ( b ) and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Qualified Written Request sent certified return receipt. XXXX failed to respond within the 5 and 30 business days requirement under. Violating 1024.36c, 1024.36 ( 2 ) ( b ), 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Notice of Error sent certified return receipt. XXXX   failed to respond within the 5 and 30 business days requirement, violating 1024.36c, 1024.36 ( 2 ) ( b ), 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXXSecond Request for information ( QWR ) sent certified return receipt. XXXX  failed to respond within the 5 business days requirement, violating 1024.36c. 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Second notice of error sent certified return receipt. XXXX failed to respond within the 5 business days requirement, violating 1024.36c. 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) This is a total of 8 different RESPA violations.

Under 12 U.S.C. 2605 [ f ] [ 1 ], 2605 [ f ] [ 3 ].

Since the servicer failed to take one of the required actions within the time limit, under RESPA, as borrowers, we may recover : any actual damages suffered by the borrower, if there is a pattern or practice of servicer noncompliance, additional damages not to exceed {$2000.00}, and attorneys fees and costs.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have been charged insufficient funds and overdraft fees several times over the past few years by Capital One. The reoccurring issue is that some charges will be rejected, and I will be charged a {$35.00} fee, while other charges will be paid, and I will still be charged a {$35.00} fee, which sometimes exceeds the amount of the charge which was rejected. 

I have been told by customer service to deposit more funds as a solution. I have been told that an algorithm decides which charges to cover and which to reject. 

The total amount of NSF fees paid each year amounts to more then what a payday loan might charge ... 

I hold two capital one credit cards which are not taken into consideration or able to be linked to the account to cover said charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On my credit report it says its a charge off with a past due balance. According to the law and fair credit consumer laws they received a 1099-c, tax credit and by law due not owe that balance. Also this is a third party. In accordance with the fair credit reporting act XXXX  act USC 1681 section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

USC 1681 section 604 Did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission. By law they need written permission

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
EOS CCA contacted me via phone towards the end of XXXX 2016 claiming to have a debt from XXXX XXXX. They asked for my full social security number, which I refused them. They asked for the rest of my information, and after I asked them what they had on record discovered that all of their information was false. 

Nonetheless, I asked them to validate the debt and I gave them my mailing address to continue to correspond. They sent a letter XXXX 2016 that did not contain any validation, only a request for payment. I responded to this with a Request for Validation letter sent via certified mail, return receipt. 

This letter was not responded to. I contacted XXXX to verify the debt, and they had no information about it. 

Less than 30 days later I discover a claim on my Credit Report, and my credit score was damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The aforementioned credit collection agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Commonwealth Financial does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation