BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: KY
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 Account # XXXX, and XXXX 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 without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am in a process of refinancing the loan that I have with Fay Servicing and need a payoff statement from them. We have called several times every day for over 10 days requesting it, and have heard from them that we will get it by the end of the day, which hasn't occurred. The closing already had to be rescheduled 2 times, and TODAY ( XX/XX/2022 ) is my deadline to have it closed. Fay Servicing still haven't submitted it. They keep that " calling them won't make any difference, '' and that " they will submit it when they submit it. '' I need help. I feel disrespected, haven't been able to go to work in XXXX, as the closing is in XXXX, and each day that Fay Servicing is denying to submit this document, the extra interest is being added as per their own benefit as if it was no consumer protection that would protect the client in a situation like this. 
If needed, I have records of all calls and emails sent to Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Mullooly Jeffrey Rooney & Flynn
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
From or around XXXX of XXXX I wrote a dispute letter to a collection agency ( Mullooly Jeffrey Rooney & Flyn XXXX ) pertaining to an unknown debt that does not belong to me. ( Case # XXXX ). In my letter I informed them that I dont owe XXXX  XXXX XXXX any money nor do the above acct belong to me. ( Plz see Ex-A ). I also instructed them to cease collections until the alleged debt is verified. 

From or around XX/XX/XXXX oXXXX XXXX I sent a follow up letter to the same collection agency to inform them that they never verified nor validated the above unknown debt that doesnt belong to me. ( Plz see Ex-B & ( b ) ). 

Too date, Mullooly Jeffrey, Rooney & Flynn XXXX, never validated the unknown debt and they are in violation of the Fair Debt Collection Practices Act, XXXX5 USC 1692g Sec. 809 ( 8 ). 

The above firm is still reporting false information to all 3 credit agencies ( Plz see Ex-c ). The false information that they are reporting stopped/interfered with me being able to receive any business funding, refinancing for my home which is now foreclosed, personal loans to help during the pandemic and valuable jobs which consists of a good credit scores etc for hire. 

I am now seeking legal remedies with all applicable agencies identified in FCRA 15 U.S.C. 1681, as well as pursuing civil actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I've been with Wells Fargo since 2008 until now I've had several fees that was taken out that shouldn't have been. I do not recall all the dates but 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 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have credit card with Bank of America and on XX/XX/XXXX when I went to near by store someone stole it. I did not notice it on that day, but on XX/XX/2022 I got notification on my text about some huge transactions made on card. I reported same to BOFA and asked them to cancel transaction and block the card. 
Later I submitted a dispute request on the transactions & BOFA came back saying it was authorized by me so I NEED to pay it. I am not sure how did they make that determination and I am still now trying to reach out to them to speak to someone 4 DAYS, 2 hours of hold time and no one is responding from BOFA Credit card fraud disputes team. 
Its pathetic to see nation 's largest bank have such a pathetic, XXXX customer service where customer have to wait for 2 hours and still can't speak to anyone. This is happening for 4 days in row now and no one in BOFA seems to worry or care about it. This is bad and their license should be cancelled to save customer. 

Now I started to think who is bigger thief or fraud, the guy who stole my card or BOFA who is not giving me service and resolving the issue

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 2022-09-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2022 I opted out of XXXX XXXX XXXX XXXX, I completed all documents that they are not to report on me and to remove me from there system and affliates as well such as third parties etc they use. 
They continue to share my informationa and report about me which is XXXX percent of the time inaccurate. 
I requested information from Experian, XXXX and XXXX regarding what was reported by XXXX XXXX and copies of the documents they are basing the information that they are reporting on the bureau about my credit worthiness and still nothing. 
I have went back and forth with them about inquiries that were not authorized by me, that companies which include Experian reporting hard inquiries or allowing XXXX XXXX to place multiple inquiries on my report which hit me hard and they refused. They keep sending me the same generic response that its been checked and remains. 

Recently, they reported I was over my limit on a Credit Card XXXX XXXX  XXXX ) which I was not, by {$11.00} and said that was the reason my score dropped XXXX pts that it obsered. My history is good, my payment history on time, no lates nothing my usage is 17 % they don't comply to request they do whatever they wont. I was in the middle of a refinance and my score was XXXX and when they supposedly rec 'd notice that my credit card was over the limit by {$11.00} Experian dropped score to XXXX and XXXX dropped it from XXXX to XXXX and XXXX dropped it to XXXX all for the same thing over the limit which I have uploaded and spoken to the credit card company who say they have notified them its not.

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 2022-09-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2022 I opted out of XXXX XXXX XXXX XXXX, I completed all documents that they are not to report on me and to remove me from there system and affliates as well such as third parties etc they use. 
They continue to share my informationa and report about me which is XXXX percent of the time inaccurate. 
I requested information from XXXX, Equifax and XXXX regarding what was reported by XXXX XXXX and copies of the documents they are basing the information that they are reporting on the bureau about my credit worthiness and still nothing. 
I have went back and forth with them about inquiries that were not authorized by me, that companies which include XXXX reporting hard inquiries or allowing XXXX XXXX to place multiple inquiries on my report which hit me hard and they refused. They keep sending me the same generic response that its been checked and remains. 

Recently, they reported I was over my limit on a Credit Card ( XXXX XXXXXXXX ) which I was not, by {$11.00} and said that was the reason my score dropped XXXX pts that it obsered. My history is good, my payment history on time, no lates nothing my usage is 17 % they don't comply to request they do whatever they wont. I was in the middle of a refinance and my score was XXXX and when they supposedly rec 'd notice that my credit card was over the limit by {$11.00} XXXX dropped score to XXXX and Equifax dropped it from XXXX to XXXX and XXXX dropped it to XXXX all for the same thing over the limit which I have uploaded and spoken to the credit card company who say they have notified them its not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Avant Holding Company, Inc.
State: IN
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:
There is a WEBBANK/AVANT credit card account appearing in my XXXX credit report that is not mine and I have no knowledge of it. This account was able to make a hard inquiry ( date of inquiry XXXX ) while my credit report was frozen, I called XXXX ( XXXX ) and they moved me between various levels of supervisors and no one could explain why this company was able to make a hard inquiry and open a new account for the first time when my credit report was on active freeze. With this inquiry the bank company ( AVANT ) managed to create an account that appears on my record. I called AVANT and there is no one with my information on their records ( NAME, SSN, DATE OF BIRTH ). There is a XXXX dispute in place ( I can provide case number if needed ) but XXXX has not resolved the problem and removed this account that is not mine. 

This account only appears in my XXXX report and its affecting my ability to make financial decisions severely. The other credit Bureaus XXXX and XXXX do not report this account as mine and as such their credit report is massively different from my XXXX XXXX. I am pleading for help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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: Personal information incorrect

Complaint:
Hard inquires that i did not authorize XXXX credit XXXX XXXX XXXX, XXXX credit XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Wrong information addresses XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX employer 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 explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 out of the country for two years there are a number of inquiries are my report that was never authorized by me called several times trans union with no recourse 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 non-monetary relief
Consumer complaint received 2022-08-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Wells Fargo offered me a balance transfer. I accepted this and created an online transfer to XXXX XXXX XXXX in the amount of {$2600.00}. I have the Wells Fargo e-mail confirmation dated XX/XX/XXXX. I received a fraud alert on Monday XXXX for a {$5300.00} charge. I called the fraud Dept. Told them what I was doing on XXXX. I was told this had been entered twice by mistake. I was told they would fix the issue and get this transfer done. I called back on XX/XX/XXXX as I had not seen the transaction. I was told both were cancelled. I told them this was incorrect. They got me with another rep and I went through the whole transfer process on the phone. I called to check early tue following week and was told the transaction hadnt posted yet. I called back on XXXXas the transaction still had not occurred. I was passed off yet again to their complaint Dept. This lady sent me an e-mail XXXX XXXX is her name. I replied to her e-mail and told her this could still be corrected until XX/XX/XXXX. I received a call from XXXX XXXX and she told me about an e-mail she was sending. This e-mail was not going to correct the situation I requested on multiple times on hold to speak with a Supervisor. I was never given a Supervisor. She finally agreed to try and process the transfer. I told her I wanted a transcript of our entire phone call. She said I could send the interest charges that would accrue because if their failure to her and she would get it taken care of. She again had trouble with the request. She said she would call me back after she talked with someone else. I have yet to receive this callback. I am completely frustrated and angry at Wells Fargo. I gave them over 3 weeks to get a simple balance transfer completed and it still has not happened. I have never in XXXX  years had such a terrible experience with a bank.

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 2022-08-01
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare , LLC services my mortgage loan. They require I have an escrow account so they can pay for the home insurance and property taxes. Every year they have failed to make one or more of these payments despite my detailed, documented and explicit instructions. They take my money and hold it all year without intention of making the payments they are contractually obligated to pay. They have let my insurance policies lapse multiple times and required me to pay for them out-of-pocket despite my payments to the held escrow account. Additionally, I have requested for them to provide me with contact information for the proper regulators and authorities to resolve this dispute, they refused this request on multiple occasions. Finally, I have requested a physical address to serve legal notices and like communications and was also denied this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As a consumer/ natural person/ living man, I am enforcing my rights. 
EXPERIAN is in clear violation of the law of 15 USC 1681b ( 2 ) - Permissible purpose of consumer reports. I did not give EXPERIAN written permission or consent to furnish any accounts or information on my consumer report, this is called identity theft. Violation! According to 18 USC 1028A, EXPERIAN knowingly transferred, possessed, and used my identity without my consent. 

Furthermore, EXPERIAN is in violation of 15 USC 1681e ( e ) ( 1 & 2 ) According to the law, EXPERIAN must produce the permissible purpose, they must also certify it and send me disclosures. 

And further, EXPERIAN is in violation of the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states that transactions and experiences are not to be included in a consumer report. 

And further, EXPERIAN is invading my right to privacy and isnt adhering to 15 USC 1681 ( a ) ( 4 ). 

And further, EXPERIAN is in violation of 15 USC 6801 - Protection of nonpublic personal information. EXPERIAN is obligated to respect my privacy and to protect my security and confidentiality of my nonpublic personal information. They have not done that. My information is not a matter of public records. 

And further, EXPERIAN is in violation of 15 USC 6803 ( a ) - Disclosure of institution privacy policy, where they did not provide to me clear and conspicuous disclosures of their policies and practices. 

And further, EXPERIAN is in violation of 15 USC 6802 ( b ), I was not given the opportunity to direct that these accounts not be disclosed on my consumer report and they did not give an explanation of how I can exercise that nondisclosure option. 

The following is the account name and numbers that are illegally being shown/reported on my consumer report : XXXX Account number XXXX Account number 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 explanation
Consumer complaint received 2022-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a medical emergency and fell behind on payments to my Capital One card. On XX/XX/XXXX I called Capital One and entered into a payment plan with them to get the account back on track. The agent told me that she would set up three automatic payments at a lower rate, then I would make payments as normal. The first two automatic payments were made XXXX, and XXXX. The third payment was made XXXX. This resulted in Capital One charging me a late payment fee of {$38.00}. I accepted the payment plan offered by Capital One. I expected one payment would be scheduled each billing cycle. I did not request a payment plan that would result in late payment fees. I called Capital One about this on XXXX when I discovered the fee. Capital One acknowledged that their customer service agent scheduled the late payment as part of my payment plan, but refused to refund the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On both XX/XX/XXXX and XX/XX/2022, XXXX repetitively called me and left voicemails regarding an inaccurate debt. It is persistent, it is back to back. It is a constant.

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 2022-12-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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