BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.

Need to delete Inq : XXXX XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, Us Dept of EdXXXX XXXX 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 2015-09-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
This is the XXXX submission of this complaint. Wells Fargo 's agent called the wrong number to reach me. I CALLED THEM BACK WITH THE CORRECT NUMBER BUT THEY MADE NO ATTEMPT TO CONTACT ME, THEN CLOSED THE CASE CLAIMING THEY COULD NOT REACH ME. 

Wells Fargo refuses to modify the XXXX mortgage on my home that was originated as part of the XXXX mortgage package. I was fraudulently forced to take the XXXX mortgages by Wells Fargo 's subsidiary Prosperity Mortgage and was instructed to only put down a 5 % down payment by them. I only did this on the promise that the XXXX loans would be consolidated into XXXX after one year. They refused all efforts to refinance until last year and now will not do anything to make up for this and are ruining my credit through stalling and refusing to refinance the XXXX mortgage. 
Wells Fargo ignored my request for lower payments for two months, then " researched '' the case for four months, while turning down another modification due to the way it calculated my income. The latest communication from them claims that I was forced into the XXXX mortgages because I had an insufficient down payment and this XXXX mortgage provided the 20 % down payment needed. In fact, on the guidance of a Wells Fargo 's agent Prosperity Mortgage, I put 5 % down even though I had close to 10 % in the bank. At the time a 3 % down payment was considered sufficient and they now finance regular mortgages with 5 % down, so their claim that I had insufficient down payment was false. 
At present, a XXXX modification request has been submitted and referred for processing. I can only afford to pay every other month and am missing more and more payments as they stall and play games like this. 
The house is eligible for HARP and the XXXX mortgage was refinanced under Harp. This XXXX mortgage is not eligible because Wells Fargo owns it. I am XXXX of XXXX of homeowners who are victims of this mortgage scam. The federal government needs to require that all XXXX mortgages originated with the XXXX mortgage are automatically eligible for Harp II refinance regardless of who owns it. Victims of this scam also need to be compensated for the XXXX in interest we have paid due to refusal to refinance these loans. Something needs to be done to help us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I only have one address that's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I gaining to give an id and bank account letter head for accuracies. I m not connected to any other address. This will be my proof that this is me also

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I currently have a mortgage that is serviced by  LoanCare LLC ( LC ). They have been servicing my loan for just over 1 year. Since the beginning of the contract, I have always had my monthly payments set up as an auto withdraw from   my bank account on the  XXXX  of every month, as contracted with LC. I have also checked each month to make sure these payments have been made. My   XXXX   XXXX   payment was confirmed via email by LC as being received by them on   XXXX   XXXX   XXXX  . In  XXXX , I noticed that I was charged a late fee for the   XXXX   payment, which then triggered a delinquent mark on my credit report. I had another late fee charged the following month due to an error made when LC tried to remove the  1st one , but instead added a second fee. Both late fees were removed on   XXXX   XXXX   XXXX  . Each time  I  email  LC , they respond with the same automated message. ( see attached ) I first contacted LC on   XXXX   XXXX   XXXX  . I was told that LC will make an inquiry on my behalf and email me a confirmation ticket number for this inquiry. That ticket number never came. I made a follow up call and sent an email in  XXXX  and was told the same thing again, with no ticket number following. On   XXXX   XXXX   XXXX  , I again emailed and called LC and the customer service agent put in the actual inquiry at that time for me because the ticket number never came. In the process of refinancing my home in  XXXX , I was told that the delinquent mark was still showing on my credit report and I was denied loan approval. On   XXXX   XXXX   XXXX  , I emailed LC again requesting the delinquent credit mark be removed. There was no response from LC. After being denied again with another mortgage lender, this lender and I called LC again on   XXXX   XXXX   XXXX   to check the status. We were told that  LC had not received any emails that I previously sent. I asked to talk to a supervisor and when that person came on the line, I was told they would send my request personally " to the appropriate department ''. The matter is still not fixed as of today 's date.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Dear Predatory Lender Protection Bureau, Please reopen and escalate complaint XXXX. 

Since XXXX XXXX XXXX has instituted new and previous used tactics familiar to the CFPB and has worked previously on these issues : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX continues to mail letters to an address that I do not own in XXXX while naming an LLC that I registered in XXXX, that is non-functioning, and not involved in this action, as an attempt at intimidation. 

Using XXXX call centers and numerous off shore debt collectors, XXXX XXXX has shared my most sensitive financial information including social security number, and contact information far and wide, exposing me to permanent cyber-attack risks by bottom feeding financial firms. In its latest attempt to intimidate and harass, XXXX XXXX XXXXXXXX, XXXX has threatened to sue and if a lawsuit. It is the CFPB 's duty, responsibility and obligation to fulfill its charter in protecting consumers from companies practices such as XXXX XXXX. The CFPB is explicitly aware of the practices XXXX XXXX is employing to destroy small business, steal data and information, ruin credit, and otherwise torment young, small businesses. 

If XXXX XXXX files lawsuit, I will have no choice but to file a counter suit and name the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for their cooperation and collusion in violating consumer protection law to inflate debt for profit at consumer expense. These companies have already been brought to the CFPBs attention and has yet to demonstrate or take meaningful action. If the CFPB continues to demonstrate a blatant disregard for their duty and care owed to consumer will be names as co-defendants and treated as conspirators in the scheme. 

I act in the interest of protecting others so similarly situated and unable to defend themselves, since I am so able and keen to take on these forces of darkness and evil, intent on harming and hurting my fellow Americans and I. Here now, I call on the CFPB to aid my cause and be warned to not abide these and other injustice anymore, else or failure to act will surely cause us all to face eternal demise in extreme peril for all time. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The Credit bureaus stated " my account was properly investigated '' but I'm not sure if that is accurate if the open date, last reported, comments, and date last active are inaccurate. I have attached snippets of 3 different items across all 3 credit bureaus that are clearly inaccurate. This is simply ground for removal.

The Credit Bureaus also violated my rights under : 15 U.S.C 1681 section 602 A : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions.

The Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: CA
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:
Dear Predatory Lender Protection Bureau, Please reopen and escalate complaint XXXX. 

Since XXXX XXXX XXXX has instituted new and previous used tactics familiar to the CFPB and has worked previously on these issues : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX continues to mail letters to an address that I do not own in XXXX while naming an XXXX that I registered in XXXX, that is non-functioning, and not involved in this action, as an attempt at intimidation. 

Using XXXX call centers and numerous off shore debt collectors, XXXX XXXX has shared my most sensitive financial information including social security number, and contact information far and wide, exposing me to permanent cyber-attack risks by bottom feeding financial firms. In its latest attempt to intimidate and harass, XXXXXXXX XXXX XXXXXXXX, XXXX has threatened to sue and if a lawsuit. It is the CFPB 's duty, responsibility and obligation to fulfill its charter in protecting consumers from companies practices such as XXXX XXXX. The CFPB is explicitly aware of the practices XXXX XXXX is employing to destroy small business, steal data and information, ruin credit, and otherwise torment young, small businesses. 

If XXXX XXXX files lawsuit, I will have no choice but to file a counter suit and name the XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX for their cooperation and collusion in violating consumer protection law to inflate debt for profit at consumer expense. These companies have already been brought to the CFPBs attention and has yet to demonstrate or take meaningful action. If the CFPB continues to demonstrate a blatant disregard for their duty and care owed to consumer will be names as co-defendants and treated as conspirators in the scheme. 

I act in the interest of protecting others so similarly situated and unable to defend themselves, since I am so able and keen to take on these forces of darkness and evil, intent on harming and hurting my fellow Americans and I. Here now, I call on the CFPB to aid my cause and be warned to not abide these and other injustice anymore, else or failure to act will surely cause us all to face eternal demise in extreme peril for all time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I checked back on my account payments, because I thought there was some discrepancy. So I found out they double billed me for {$83.00} once on XX/XX/2022 and again on XX/XX/XXXX, so I called XXXX and the agent agreed there was a double payment so he said they will pay back {$83.00} to my checking account with-in 20 days. I thought I should receive it in a week.

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 2016-09-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Related to Wells Fargo Complaints : In approximately 2009, we decided to refinance our 30 year conventional mortgage, because the interest rate on our then Wells Fargo Mortgage was quite high. We applied to refinance the mortgage with Wells Fargo, because they were familiar with our good payment history. At that time we had over XXXX percent equity in our home. Wells Fargo tried to convince us not to refinance. They finally agreed to refinance at a lower interest rate, but only if we agreed to pay mortgage insurance for at least one year. Given that we had over XXXX percent equity, we were not borrowing against the equity, and we had never fallen behind in our payments, we inquired why we would be required to take out mortgage insurance. We were advised, given the current financial crisis, anyone taking out a mortgage with Wells Fargo was required to take out mortgage insurance and that we could apply to have it removed after making one payment under the new mortgage. We were told, however, that Wells Fargo would likely continue to charge the mortgage insurance for a one year period after receiving our application to have it removed. So, we declined to accept the terms and conditions with Wells Fargo, and refinanced ( with no mortgage insurance required ) through our local credit union. We believe Wells Fargo was bilking people with good credit and mortgage payment histories, out of money by charging for mortgage insurance that was unnecessary. The bank was likely pocketing the money -- or a portion of that money, perhaps in collaboration with mortgage insurance companies.

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 2022-04-22
Company: Experian Information Solutions Inc.
State: CA
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:
Dear Predatory Lender Protection Bureau, Please reopen and escalate complaint XXXX. 

Since XXXX XXXX XXXX has instituted new and previous used tactics familiar to the CFPB and has worked previously on these issues : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX continues to mail letters to an address that I do not own in XXXX while naming an XXXX that I registered in XXXX, that is non-functioning, and not involved in this action, as an attempt at intimidation. 

Using XXXX call centers and numerous off shore debt collectors, XXXX XXXX has shared my most sensitive financial information including social security number, and contact information far and wide, exposing me to permanent cyber-attack risks by bottom feeding financial firms. In its latest attempt to intimidate and harass, XXXXXXXX XXXX XXXXXXXX, XXXX has threatened to sue and if a lawsuit. It is the CFPB 's duty, responsibility and obligation to fulfill its charter in protecting consumers from companies practices such as XXXX XXXX. The CFPB is explicitly aware of the practices XXXX XXXX is employing to destroy small business, steal data and information, ruin credit, and otherwise torment young, small businesses. 

If XXXX XXXX files lawsuit, I will have no choice but to file a counter suit and name the XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX for their cooperation and collusion in violating consumer protection law to inflate debt for profit at consumer expense. These companies have already been brought to the CFPBs attention and has yet to demonstrate or take meaningful action. If the CFPB continues to demonstrate a blatant disregard for their duty and care owed to consumer will be names as co-defendants and treated as conspirators in the scheme. 

I act in the interest of protecting others so similarly situated and unable to defend themselves, since I am so able and keen to take on these forces of darkness and evil, intent on harming and hurting my fellow Americans and I. Here now, I call on the CFPB to aid my cause and be warned to not abide these and other injustice anymore, else or failure to act will surely cause us all to face eternal demise in extreme peril for all time. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2022-07-26
Company: MIDFIRST BANK
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday XX/XX/2022, I was selling an item on XXXX XXXX  when I fell victim to a scam. The scammer pretended to be interested in an item I was selling and asked to pay using XXXX. They got my email and began sending me spoofed emails from who I thought was XXXX. 
The email stated that the buyer had sent the payment using a business account. As a result, the buyer had to pay an additional fee for the payment to go through. They went on to ask me to upgrade my account and refund the buyer for the supposed upgrade fee. The scam email also pressured me to transfer the funds quickly if I wanted to receive the initial payment. Once I sent the extra funds back, I realized the scammer hadnt sent any money. I immediately called my financial institution, Midfirst Bank, to dispute the charges. I then called XXXX to let them know what happened. I also called my local police department to file a report because the scammer had my address. On XX/XX/XXXX, I went into my local Midfirst and signed the dispute paperwork as well as provided all the documentation from messages between myself and the scammer, all the emails I received, police report, and screenshots of all transactions. The same day, {$400.00} was placed into my account by Midfirst Bank. On XX/XX/XXXX the funds were removed back out of my account without any notice from the bank. I called on XX/XX/XXXX and spoke to a representative named XXXX to let him know that I would be filling this report with the CFPB due to their resistance of refunding these scam payments. He let me know I may or may not be reached out to by someone in the consumer complaint tracking service, but when asked for a number to their department and when I could expect to be reached out to he refused to answer. I believe I should be refunded the {$400.00} due to being a victim of a scam on an app they host and own as well as providing all the documentation that shows it was a scam.

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 2017-04-30
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your COLLECTIONS COMPANY issued the report that was used to determine my credit evaluation.   Secti on 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting.    In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached c opy. The reasons why these items should be deleted are indicated below : MEADE & ASSOIATES #   XXXX

Company response to consumer: Closed with explanation