BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
In XXXX, my husband and I signed a Deed of Trust to refinance our mortgage for our primary residence in Texas. Both of us are clearly identified as the borrowers on the first page of the contract. However unknown to us at the time, XXXX  XXXX XXXX XXXX ( XXXX ) did not record my name as a borrower for the mortgage in their system for the loan, they only recorded my husband. The mortgage was sold a couple of times and ended up at Bank of America. My husband has since passed away. I tried to change the information on the loan to reflect me as the primary borrower and couldn't find any info on me on the loan on the computer ( I had always paid the account ). I called BoA to tell them they should change the account so that I was primary and was told I wasn't on the account. I was shocked. I sent them a copy of the Deed of Trust assuming one of the earlier servicing banks had messed up and they would correct the error. They disconnected the online account and asked me if I wanted to assume the account at great expense. I did some research and realized that XXXX was the one that removed my name. I contacted them and pointed out their mistake and they referred me to BoA. I sent BoA another copy of all the documentation XX/XX/XXXX and they responded today that I was not on the note. I called and they told me that what I signed was a " deed '' not a mortgage. I explained that a Deed of Trust was used similarly to a mortgage in Texas and that no other " note '' existed and she didn't believe me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
They said I keep paying the bill And or there was no fraud or I validated the transaction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Kikoff Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to bring to your attention an issue regarding the completeness of the information on my consumer report. 
After reviewing my credit report, I noticed that in reference to my account : - XXXX XXXX XXXX XXXXXXXX my credit limit is being omitted, which is a direct violation of federal law under 15 USC 1611 .

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

According to 15 USC 2069, each day that this omission of my credit limit was furnished to my consumer report shall constitute a separate offense, constituting a separate fine ( of {$5000.00} according to 15 U.S. Code 1611 ) for each day. 

15 U.S. Code 2069- Civil penalties ( a ) Amount of penalty ( 1 ) Any person who knowingly violates section 2068 of this title shall be subject to a civil penalty not to exceed {$100000.00} for each such violation. Subject to paragraph ( 2 ), a violation of section 2068 ( a ) ( 1 ), ( 2 ), ( 4 ), ( 5 ), ( 6 ), ( 7 ), ( 8 ), ( 9 ), ( 10 ), or ( 11 ) of this title shall constitute a separate offense with respect to each consumer product involved, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations. A violation of section 2068 ( a ) ( 3 ) of this title shall constitute a separate violation with respect to each failure or refusal to allow or perform an act required thereby ; and, if such violation is a continuing one, each day of such violation shall constitute a separate offense, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations. 

It is crucial to have accurate and complete information on my credit report, and the omission of my credit limit hinders a comprehensive understanding of my creditworthiness. As per the Fair Credit Reporting Act ( FCRA ), furnishing companies are required to provide complete and accurate information to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: ASSOCIATED BANC-CORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Complaint : Associated Bank has failed to pay out a {$600.00} promotional bank bonus to me within 120 days for opening a new checking account. 
XXXX XXXX Details : Account was opened in person by banker XXXX XXXX at a XXXX XXXX branch on XX/XX/23. I have emailed her several times since XX/XX/XXXX requesting her help to solve the delay/ no-pay problem and she has had no success and is unable or unwilling to give me names/contacts within the bank who have authority to escalate and render a solution. She says the matter is fixed, yet I wait, the bank remains silent and does not pay the bonus. I sense the bank is simply stonewalling.I have fulfilled the XXXX XXXX XXXX of the promotion to qualify for the {$600.00} level bonus and desire for this bank to fulfill their legal obligation to pay the bonus timely and without further delay. This request is reasonable. 

My wife is also in the same situation with her Associated checking account and will file a separate complaint with same facts, as our accounts were opened at the same time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to formally file a complaint regarding the multiple unsuccessful attempts I have made to have fraudulent items removed from my credit report. The persistent presence of these inaccuracies is causing me significant distress and financial harm, and I am deeply dissatisfied with the lack of resolution. 

The fraudulent items that have appeared on my credit report are having a detrimental impact on my creditworthiness and overall financial stability. I initially identified these discrepancies and have since made several diligent attempts to have them corrected through your organization. Regrettably, my efforts have not yielded any meaningful resolution. 

I initially submitted a dispute request to have these fraudulent items removed on [ Date ], providing all the necessary documentation and evidence to support their inaccuracy. To my disappointment, my dispute was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second dispute request, reiterating the evidence that these items are indeed fraudulent. However, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. Unfortunately, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not overstate the severe consequences these fraudulent items have had on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and effective action to rectify this situation. I expect a comprehensive and impartial investigation into the legitimacy of these fraudulent items and, if found to be erroneous, their swift removal from my credit report. Furthermore, I request written documentation confirming the removal of these fraudulent items and their impact on my credit score. 

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to manage credit reporting accurately and fairly. Please assist me to remove the following inaccurate items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account name. LVNV FUNDING LLC Account number. XXXX This account below was reported as a collection, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. 
I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: DISCOVER BANK
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX, my husband co-signed on a XXXX  loan from XXXX for his, then at the time, XXXX XXXXXXXX granddaughter with no credit history, to continue attending a university for her XXXX degree. The terms he agreed to for the loan at the time stated that he may be released from the loan responsibilities once he ensured the XXXX  made the first XXXX payments. The XXXX  did make XXXX payments on this loan before deciding to go back to school for XXXX  XXXX XXXX XXXX and putting loans back into forbearance status in XXXX. During this time XXXX XXXX XXXX to release my husband from his co-signing responsibilities and remove the loans from his XXXX XXXX. However, during this time period XXXX apparently sold off many loans and several companies began calling us for payments all of which stated they bought the loan from XXXX. During this time I passed all the information along to my Granddaughter who resumed making payments and currently still making them. She is who is responsible for making the payments on the loan since we were to be released from it in XXXX by XXXX XXXX For years, both Discover  and XXXX have been calling and harassing me and my husband for payment and loan information despite the fact that we are no longer responsible and should have been removed from due to upholding our original obligations for the XXXX  to make the first 24 months of payments from XXXX. Now, in XXXX as I am trying to get a home improvement loan to cover the cost of an accident I have been denied due to Discover still having my husbands name tied to a student loan for my granddaughter. Each time I try to contact Discover to resolve the issue they refuse to accept that we have full-filled our responsibilities and only try to get us to make a payment. I have sent multiple documents to a representative at Discover with our original agreement with XXXX and payment statements. Each time I speak with a representative at Discover they claim that they have not received the documents. My husband is now XXXX XXXX XXXX, retired, and on a fixed income. We can not get our home fixed because this issue is not being resolved in a clear and timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
OnXX/XX/2023, I had the same issue. The company claimed to correct the problem. Today, XX/XX/23, Im still having the same issue. Money sent @ XXXX. Western Union still hasnt delivered. A check shows thats its on hold. Their advertisements claims thats its delivered within minutes Their prop consolation codes dont even work. Call but all operators are busy!! Finally a female  claiming to be XXXX came on the line. She asked me some personal detailed questions. I felt invaded before releasing the money. She claims if I wanted to change the amount she would cancel the entire transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I submitted a payment for the full amount of all of my student loans on XXXX Looking through my email I never received an email saying my payment had been received. The payment continued to process for 2 days. During this time I continually checked my Nelnet account and the account showed the full amount of my loans was paid. Apparently on XXXX the payment was returned to me due to a possible typo in the account number. I had checked the account number three times before submitting the payment. XXXX  was a Wednesday. My Nelnet account still showed the entire amount of my loan had been paid off. OXXXX XXXX, a Saturday ( Nelnet is not open ), I was sent a letter saying my payment had been returned to me and I still owed the full amount of my student loans. My loans were already starting to accrue interest. Keep in mind I paid in full before XXXX when student loans began accruing interest again. I called Nelnet and listened to the automated voice tree for nearly 15 minutes, before finding out Nelnet was not open until Tuesday as Monday was XXXX XXXX. By Tuesday my loans had accrued more interest. I called Nelnet and was on hold for 1 hour 54 minutes before speaking to a servicer. I was then told that I had made a mistake so my payment had been returned, and I was responsible for the interest accrued during that time. I explained to the servicer that, had I received the letter the day my payment was returned, I would have again paid off the loan before XX/XX/XXXX. Instead my loans accrued interest for 5 days before I could contact someone to talk about what had happened. I was told again the interest was my fault and I would have to pay it so I asked to file a complaint with someone. I was put on hold again for over an hour when my phone disconnected the call. I was not called again even though it had taken over 3 hours to get to the point I was, the call tree said it would be a 135 minute wait to talk to someone again. So now I'm hoping that my payment will go through this time and hoping not to accrue even more interest while waiting for the payment to post. This is a crooked business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX reported to XXXX XXXX and Equifax that I had late payments in XX/XX/XXXX and XX/XX/XXXX when my account was closed in XX/XX/XXXX with a XXXX balance and NEVER LATE per the letter from XXXX XXXX already sent to me on XX/XX/XXXX, attached. They even sent me a statement saying DO NOT PAY because I had a credit balance, see attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: I.C. System, Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' On my credit report there is multiply signs of identity theft. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' the financial institution and the Consumer reporting agencies XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Therefore I am opting out of your reporting services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: PNC Bank N.A.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/, I had a vehicle stolen that was financed through PNC Bank. They accepted fraudulent funds from a 3rd party and send me the owner the lien release for the vehicle. PNC Bank took blame and worked with my insurance company to pay it off in full. PNC Bank still hit my credit for missed payments that a vehicle wasnt paid for 3 months that was paid off. So I contacted the CFPB in XX/XX/. They reached out to PNC Bank and the bank told them it was handed and case was closed. Here we are 2 years later and its still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
XX/XX/23 my bank of america savings account was drained to pay for a closed account that had fees. The mobey they snatched from my savings account was a gift from friend to pay my back rent. I asked for reversal, bank refused, even though i tokd them i needed that money to pay rent or i woukd be homeless and they were unsympathetic as i cried on the phone. This is XXXX and im astonished big bank woukd really not give me that money back!!!!! Today i will be thrown into the street at XXXX XXXX XXXX with my XXXX XXXX XXXX XXXX. We are both sixk and know nothing about being homeless. Im begging u please help me. I will not be long for this world if i dont get my money back so i can pay my rent.

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