BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-07
Company: WELLS FARGO & COMPANY
State: ID
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I was selling a truck on XXXX. A buyer emailed me to say he wanted the truck. I was selling the truck for {$1800.00}. He said he was going to send me a cashier 's check for {$3300.00} because he was in another state and he wanted me to send money to his car mover who would come with a trailer and pick up the truck. I took the cashiers check to my bank, Wells Fargo. I told the teller I was suspicious of the check and that I would like a manager to look at it and tell me whether it was legitimate. XXXX XXXX XXXX, the service manager of the branch, came out and looked at the check and said, " It looks good to me, I do n't see any telltale signs of it being fraudulent. '' She also said, " once the money posts to your account, the money is yours and you can spend it. '' She told me I could also send it off to someone to check it for validity, but I told her that if she said it was good I trusted her. She said it was. I deposited the check that day. XXXX XXXX then told me that, since this was a Friday, if the money posted to my account on Monday then go ahead and spend it. I waited the weekend and the money posted to my account. I sent {$1400.00} of the money to the address the buyer provided in New York.I first used my portion to buy food. I then began paying off debts. I bought some clothes, and put some gas in my car. The next day the buyer emailed me again saying that his uncle was sick and that he needed the rest of the money back and that I could keep the truck. At that point it seemed to me that it had to be a scam and I immediately called the bank. The bank told me that they had decided it was fraudulent and they had taken all of the money in my account to begin to pay off the fraudulent check. There was approximately {$700.00} of the truck money remaining in the account. They took that. On XXXX XXXX, 2016, my Social Security payment was direct deposited into the account and they took it. I went to Legal Aid and they called the bank. XXXX XXXX admitted to my attorney that she had told me all that I stated above. She did this both on the phone and in emails. She lied and said that she asked me whether I was supposed to send money somewhere. She never asked me that. I would never have used that check without XXXX XXXX 's approval. But for her telling me to go ahead this mess would never have happened. My attorney called the bank because they are still pursuing me for the rest of the money. I told the bank that I thought the right thing for them to do was to write off the loss and let me close the account. They have refused to do so. Wells Fargo preyed on me and now they are continuing to do so. This is not right.

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 2022-05-17
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX account # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a victim of Regions Bank and their fraudulent NSF Overdraft Protection scandal. I see that they already have been ordered to start refunding customers their money back and they were told to do so regarding a Class Action Lawsuit, I thought I had signed up to be part of this Lawsuit against REGION BAnk of Alabama, I live in XXXX Alabama. I also file against XXXX XXXX for doing the same thing. They hold my transactions of my electronic XXXX direct Deposit monies, and I am thinking, because it shows that my money is in my account, but in online statements it says Pending???? then it shows all of my bill paying transactions as pending. So they proceed to charge me NSF of XXXX dollars times XXXX, for every for every transaction I make, then they release my deposit into my account but take XXXX dollars was last months XXXX check and they are in process of taking XXXX or more even as I am typing this for this month XXXX check they have taken over XXXX out of my account using overdraft protection, and not paying the transaction that I have made. and now have got me in sucha finacial hole that I can not get my XXXX or the rest of my medications and/or pay my rent and I am about to lose my home because I do n't have the money now to pay rent again. XXXX XXXX took over XXXX from me doing the same thing. and I am sitting here scratching my head trying to figure out how they are getting away with this. I met with them and they gave me back like XXXX one time, when I went to the Bank and ask them what was happening so they know they are in the wrong in what they are doing, but XXXX is far from the amount of money they have stolen from me since 2010. I want all of my money back, I want any negative reporting of my credit record of myself and my XXXX child, that they themself connected to my account. MY daughter, a XXXX, just tried to open an account of her own and we found that they refused at another bank to give to her a checking and savings account for bad banking practices and too many NSF and outstanding checks. And she is a minor and has nothing to do with what I do at my bank. they just added her as Student Checking account, when I ask them to only put her as my beneficiary on the account with signing powers in case I die she can get my money. 
My Name is XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX My XXXX child is : XXXX XXXX XXXX XXXX. Please have them return my money immediatly, clear our credit reports, and Pay outstanding DEbit Credit and checking transactions by paying them with my money they took from me. Thank you, My life depends on the Medications that I can not get filled, because they took my money. I am XXXX, and I plan to file a complaint against them to the " XX/XX/XXXX Act ''. Need them to please hurry so i can pay my rent and not get evicted from my home. Sincerely, XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and i bought our home on XXXX XXXX. I became XXXX on XXXX XXXX, my husband continue to financially support our household and it was n't easy for him. In XXXX XXXX we contacted Flag Star to see how they can assist us with our mortgage, Flag Star asked me to stop paying my mortgage so I can qualify for a Deed in Lei ; they advised me to put my home up for Sale and there were no other options for my family to remain in the home. It was n't until XXXX XXXX when a realtor asked us if we had tried to modify, I had no idea we could do so and then I immediately called Flag Star and asked for the Modification Option and since XXXX XXXX I 've submitted complete packets to them for review. I have Never received one letter from them with an update, stating whether we 're approved or Denied. I call my single point of contact often and she 's hardly available but I do get to speak to someone else they always tell me that my single point of contact will return my call and I do NOT hear from her. I am in desperate need of an answer so I visited a HUD Approved counseling Agency they will assist in the process but are also interested ion knowing why Flag Star keeps asking for Documents and they are not sending updates on what they already have. Please 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 2023-01-19
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CAINE and WEINER / XXXX / {$420.00} / XX/XX/2021 No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have 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 : also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section2 ; 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 explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: TX
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:
I have sent this affidavit to all XXXX credit bureaus & they have all ignored my complaints. This is starting to get ridiculous & I need this information deleted expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I wrote letter to Wells Fargo Dealer Services dated XXXX/XXXX/2015 disputing my previous account with them regarding late payments. They are now playing games asking me with more information. I provided Wells Fargo with my account number. They should be able to find my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Pursuant to that Credit Report generated on XX/XX/XXXX I have no open Home Loans. Yet I receive bills for such, however inaccurate and contradictory each are they still appear, my Credit Report shows four ( 4 ) closed Home Loans : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX Who submitted documentation into my file causing it to reflect those 4 home loan closures and when was each submitted altering my Credit File in such a manner? I believe there is unauthorized manipulation of my Credit File ongoing for more than the second time in under ten ( 10 ) years. I previously mentioned I believe Experian is or may be held to be acting in concert with other entities and that combination of interests may well trigger Action ( s ) under XXXX  more commonly known as XXXX XXXX XXXX XXXX. I need both confirmation as well as verification what entity or entities are actively or passively manipulating my Credit Information for whatever purposes? Including but not limited to improper influence or production of documentary proofs based upon that inaccurate information presently contained within that Credit Report generated on XX/XX/XXXX, all 46 pages which I have fully copied. Moreover, why is my file sub-divided in a manner I've never seen before as it is? It is and has been LOCKED for more than a couple of months now, so please explain why I am witnessing such anomaly ( s )? As this has adverse effects on that stated total debt reported as {$71000.00} on 5 open accounts with 1,568 being in Credit card or credit lines, my debt to income is also affected as well as a host of other metrics, please explain and provide that evidence therefor.

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 2022-05-17
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the Company in XXXX. I first contacted XXXX XXXX in which i was able to find out my last account with them was in XXXX and nothing since that time. I have not had service with team mobile over 14 years. further investigation team mobile has not been on my account per credit reporting for over 7 years. The company who obviously bought the debt is claiming this is a new debt as of XXXX. I have not received a original bill from them nor have I received anything in the mail pertaining to this debt they claim i owe. I called them and i requested information and i also informed the company this is a XXXX XXXX XXXX debt and per my rights and the fair credit reporting act this needs to come off my credit or a ful original documentation of the so called owed bill needs to be sent to me in its original form with accurate dates.this report as i look back in my credit reports have not been on my report for XXXX, XXXX, XXXX nor XXXX till XXXX. it creadit a negative impact at the time of purchasing a home, if this does not come off i will contact my attorney and follow pursuit in this matter, i am allowed a investigation in the matter free of chart per the fair credit act, this violates my rights in the XXXX to XXXX reporting I have also called XXXX XXXX  again for a report of my statement at of XX/XX/XXXX at XXXX if this again is not corrected i will pursue further actions

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 2022-05-19
Company: Colony Brands, Inc.
State: LA
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, Monroe & Main Acct # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open an end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX, I purchased a couch from a XXXX XXXX store in the XXXX XXXX XXXX CA XXXX Mall for approximately {$1800.00}. There was a year financing program being offered at the time, of which I took advantage. When I got my first ( and only ) paper statement, I divided the purchase price by twelve and set up automatic bill pay in order to pay off the balance in full prior to the expiration of the promotional period. The payments were setup so that Comenity Bank received them on the XXXX of every month. According to the Bank, I was assessed a {$27.00} late fee because the payment scheduled in XXXX of last year was not processed until the XXXX because of XXXX XXXX. I was not advised of this fact at the time because I never received another paper bill. Supposedly, the Bank was sending e-mails which directed me to sign into their web site to see my bill. I never signed up for paperless billing and I dont do paperless billing with any of my accounts. ( Im old school I want a paper record for every financial transaction. ) I only learned of this outstanding balance in XXXX of this year when the Bank began calling and finally sent a paper statement. At the time of their first call, the Bank insisted that I owed them {$54.00} ( and growing ) due to the unpaid {$27.00} plus interest. I offered to compromise and pay the {$27.00} late fee from XXXX of XXXX. The Bank declined. 

After spending several days taking this matter up the Banks hierarchy to no avail, I was told I had to pay the full balance which had now doubled while I was trying to resolve the dispute. I filed a complaint with the XXXX XXXX XXXX of Central Ohio against Comenity Bank. At that time I discovered that the Bank had received four ratings from its hometown XXXX - three Fs and one C. On XX/XX/XXXX, the Bank responded to my complaint by repeating that the charges are valid and increasing my balance to {$330.00}. As of XX/XX/XXXX, that amount had increased to {$560.00}. So since this dispute began I have been assessed over {$500.00} of interest and fees on top of the original {$27.00} late fee. And, as a result, of this dispute, my credit score has dropped over 100 points. This is unconscionable, particularly in the middle of a pandemic. 

I have repeatedly offered to go to small claims court to settle this dispute. The Bank has ignored this request and simply keeps sending monthly statements charging me more fees and interest. I have filed complaints with the XXXX in both XXXX, Ohio ( bank headquarters ) and XXXX County ( where I purchased the couch ). I have filed a complaint with the California Attorney General 's Office. And, I have even had XXXX XXXX XXXX in XXXX XXXX intercede on my behalf. When do I get to have a neutral arbitrator resolve this insane dispute? I want my credit repaired but, I will not be extorted by a crooked bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX XXXX XXXX $ XXXX XXXX XXXX {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: The Lemoine Group, Inc
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
the company that purchased the 2nd mortgage loan on our property contact us and toll that we could get a loan modification or if not they would foreclosure on us.we fill out all the papers they sent us and we agreed to make payments for six months and come XXXX 2015 we would get together and do a modification but to our surprise we receive notice that the house had been sold on a foreclosure sell that we had 3 days to move out or be evicted by the sherrift police because the new owners wanted passetion of the house.I toll I was about to make my payment to the 1st mortgage he do n't do it we are paying them off we own the house. I call the company that 2nd mortgage and toll what happen we had agree to met on XXXX and do a modification the owner said its nothing personal its all business we own the house you have to move or be evicted.i toll that there no way we had a agreedment that the house had over XXXX dollars of equaty .he said lets meet so we did he came to the house and said that it wasent nothing personal but that they own the house we had to move out. I explain that how this could be that I had as my mom for a loan of XXXX dollars a couple months back to get courent with the 1st mortgage and we had to star paying it back on XXXX 2015. he said let me make a call to my associates and he did and said i all give you XXXX to move a get a rental place and if your out before the month ill give the money to paid your mom. I call the 1st mortgage and they set up for me to talk to my representative on the XXXX of XXXX but for some reason he did not call. I receive a call from the 2nd mortgage that why I had not cash the check thatif the month went by and we were not out we would loss the ckecks and be evicted by the sherrif. I went and met with XXXX lawyers but both wanted XXXX dollars and XXXX and hour to take the case and nothing warranty I did not had the money to fight the case. so we did move out before the month. I receive a call from XXXX the server on the 1st mortgage and he said that there was no way we sould had move out from the property that the only way for a foreclosure was if we were behind on our mortgage or property taxes witch was not the case we were current by the time the house had been rented and they had taken out XXXX dollars of the equity of the house on the XXXX weeks. by then the family had gone separated ways I was homeless for 11 months and got serve by my wife for the divorce and during the proses the judge said that something was really wrong and to call the 1st mortgage to see if we did own or not the house I did contact them and also XXXX and they both said that yes we are the owners and that we had to take this out with them the company that did the foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: PNC Bank N.A.
State: DC
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: Problem with personal statement of dispute

Complaint:
XXXX is reporting my score at XXXX after it was showing at XXXX in XX/XX/XXXX. The drop does not reflect the ontime payments or the age of the deragatory marks which are more than XXXX XXXX XXXX. Furthermore, all the accounts have been settled during Covid with XXXX balance. The only loan is mortgage - a basic of the average american. That loan is paid every month as per schedule with taxes. 

Th credit score has fluctuated more than XXXX points from XX/XX/XXXX which is a blatant misuse and breach of personal financial information. It belies the fact that I have been able to obtain rental housing, have XXXX jobs in XXXX XXXX XXXX  all of which require both : background check and credit score. 

XXXX is accessing information and sharing it indiscriminately during Covid and the economic crisis at this time.

Company response to consumer: Closed with explanation