BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-29
Company: WELLS FARGO & COMPANY
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had filed bankruptcy to stop a foreclosure and filed in RI as it was closer than Ma and I had a damaged shoulder and neck and could't get a ride to XXXX, the stay was not accepted due to many filings allegedly and after an emergency filing with the court and the court granting the stay the attorney XXXX XXXX of XXXX XXXX XXXX XXXX refused to take the sale date down or remove the sale date, in edition a person who owns the home with me filed bankruptcy and he will not recognize his stay either. He said he is foreclosing and that is final! The judge scheduled a hearing on my emergency motion and he showed up after dropping paperwork off to my house the night before he claims he served me and he did n't my hearing was for my filing not his motion to be relived from the stay. He also asked the judge to make a decision on people living in my home without their being there to answer for themselves. He crossed the line and taking this personally.I want my stay recognized for what it 's worth as the judge stated he ca n't set a date until my appeal process is over and he XXXX states he will leave it and when appeal is over and I loose he will take my house. The is bad behavior on this attorney 's part and I am not taking this any longer.XXXX also states he delivered the paperwork to me before XXXX XXXX on X/XX/2017 and he is not telling the truth it was n't till almost XXXX XXXX that the paperwork was delivered. Also he put the foreclosure in my common law husbands name and he filed bankruptcy and owns the house and XXXX XXXX states he does n't have to recognize the stay. He is playing god with peoples lives and may even want the property as I ca n't understand why he is taking a person stance in my foreclosure. My house is nice and a lot of people want it but I built it and put down 250 K plus on my home the pick a payment loan just got to be too much. I was in the middle of a work out option I also stated the 2nd mortgage was paid in full and their is no 3rd mtg and XXXX stated to the judge that he know it to be fact that I do have a 2nd and a 3rd mortgage and why try to stop the foreclosure when I owe so much, but I worked very hard to pay off both the 2nd work out a payment plan on the 3rd and when the bankruptcy goes thru the balance to be wiped out and it 's not much XXXX XXXX. He painted a picture that was n't true. I am a single mom with XXXX boys and XXXX babies that live in my home along with an XXXXyr old man and I want to fight for what is 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 explanation
Consumer complaint received 2019-11-25
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i have not been able to access my account at us bank since XXXX bank says its on hold for review i have spoke with branch manger he said there are no information except its on hold the branch manager the staff also staff at other branches of bank and about 4 times over the phone requested for more information and to contact me either with phone or email and still my last contact last friday she said she will go ahead and request info and i told her i have done that more than few time it has been requested several times i asked her i know you can call some one in us bank system and tell them whats happening she said i only can request more info my full name is XXXX XXXX cell number XXXX XXXX XXXX i have a checking and saving account i have been paying monthly fee and intrest rate on my checking reserve line i have lost over {$1300.00} for not being able to do bussiness at and for my work such as direct deposit and being unable to purchase things for my work and every day life.i need to find out why us bank has left me hanging like this

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 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello I have requestion for validation of this debt through transunion and XXXX XXXX. By law they should have my original contract on file. But they dont have no documentation. By law if the dont this. They are suppose to delete these accounts off my credit report. These letters that are attached are not my original documentation. Doesnt show apr. I will like these accounts deleted before I report yall and have my lawyer take yall to court. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.

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 2022-06-20
Company: Home Funding Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX my offer was excepted and I notified XXXX XXXX of Home Funding Corporation ( XXXX, XXXX, NMLS # XXXX ) that the offer was excepted. XXXX did not lock in the rate until Friday and explained that the rates with up. Later XXXX needed additional documentation on a transfer of funds from my XXXX XXXXXXXX XXXX account to my XXXX account. At the time my computer was not working and I needed to complete these requests during school hours. ( XXXX ). He stated that he is familiar with XXXX and I can do it on my phone. Well, the only want to get a current transaction history on my phone with XXXX is to download it as a spreadsheet. I knew that my personal information will not be attached to the spreadsheet. I may have a third-party call with XXXX and was able to get access to the XXXX statement today. XXXX processed to get highly volatile and emotional on the call. I asked him to calm down, I remind him that I was his client. I tried to explain that the statement was not available until today. All of this was done in the present of my attorney. I called corporate to explain I can only move forward with someone else handling my file, XXXX XXXX XXXX XXXX XXXX agreed to handle the file. The next request XXXX was a letter about my adoption and prior address. He told me if I was to go back with XXXX, XXXX would complete those letters I needed. I told XXXX I only agreed to move forward in this process if XXXX was no longer doing anything on my case. XXXX then informed me that he could not do those letters. I asked him how much was I paying for them to provide this service to me and he told me he could not and would not share that information. The next request came from XXXX and XXXX confined that I needed to send a payment for the appraisal via XXXX that they don't take credit cards. Everything about these interactions screams unethical. I am not familiar with this process but I do feel that they are trying to scam me and others. I have saved all the emails if you would like them for your investigation. They should not be allowed to treat people in this fashion.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: NJ
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 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 XXXX 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 XXXX 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 XXXX XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Creditors Bureau Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In response to CFPB complaints # XXXX. My name is XXXX XXXX a federally processed consumer, and I am making this complaint against CREDITORS BUREAU ASSOCIATES for violating a cease and desist notice they received XX/XX/2022 and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a debt validation letter, a Cease-and-Desist notice, XXXX XXXX which is a copy of the account reporting on my XXXX consumer report, XXXX XXXX which is a copy of their response to CFPB complaint # XXXX, and a pdf of an FTC report that will be labeled as XXXX XXXX when filing litigation in Federal Court to this complaint. CREDITORS BUREAU ASSOCIATES stated, " Per Federal law, this dispute was received past the validation period, I am requesting the actual law they are referencing because to my knowledge, there is no statute of limitation on fraud because I never contracted with them and they have no reason to have my identifying information. Also, pursuant 15 USC 1692g ( c ), I have not validated any alleged debt with CREDITORS BUREAU ASSOCIATES and my failure to dispute the validity of these alleged debt shall not construct as an admission of liability. CREDITORS BUREAU ASSOCIATES " stated as a courtesy, attached are the itemized invoices from the original creditors. As of XXXX XXXX I have not received any documentary evidence, such as a trilateral contract, giving CREDITORS BUREAU ASSOCIATES any right to collect on this alleged debt. It is my belief that CREDITORS BUREAU ASSOCIATES are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. The Credit Bureau Associates also stated " The balances have been verified with the original creditors as of XXXX XX/XX/2022. '' I have never received any documentation requesting validation from CREDITORS BUREAU ASSOCIATES before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If CREDITORS BUREAU ASSOCIATES can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me the consumer, prior to furnishing it on my consumer report, this has been a fraudulent furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  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 XXXXXXXX XXXX now.with no 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 non-monetary relief
Consumer complaint received 2020-09-25
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Statement from Discover Bank shows a balance of {$73.00} in my checking account. I have called the bank several times last time over one month ago, to close the account and send the balance to me. they have not done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. Please remove the following unauthorized inquires I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately.

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 2022-01-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Name : XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am writing to dispute the following information on my Equifax/XXXX  credit report : The XXXX XXXX XXXXXXXX collection account number XXXX with the balance in the amount of {$180.00} ( Original Creditor is XXXX XXXX  XXXX ) is inaccurate because Its absolutely fraud. I am requesting that the item be deleted. 

I lived in XXXX XXXX XXXX for 3 months ( XXXX, XXXX, XXXX, XXXX ) and paid in full all of my 3 utility bills on time. 

Enclosed are copies of XXXX XXXX XXXX letter, XXXX XXXX XXXX balance, Transaction Details of my bank account ( copy of my cleared check of termination fee ) and my final XXXX bill supporting my position. 

The balance of XXXX XXXX XXXX company is fraud and doesn't include a truthfulness info because the following information : I moved out from the XXXX XXXX XXXX on XX/XX/XXXX. I closed my electricity utility company XXXX account by address XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX and paid in full my final bill in the amount of {$79.00} on XX/XX/XXXX. 
I paid in full the termination fee {$2400.00} on XX/XX/XXXX. 
The email address XXXX doesnt exist. 

Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: BBVA FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019, my husband accessed his payroll companys website to determine how much his paycheck on the following day would be. He noticed that he could not see his paystub, which was unusual. He tried to contact the payroll company and was unsuccessful getting answers to this oddity. On Friday ( XX/XX/XXXX ) he did not receive his direct deposit. He informed his employer and his employer issued him a paper check. He used the mobile deposit function of our shared account with Simple Bank ( parent bank BBVA Compass USA ) to deposit the check. That evening, a message was sent to our mobile app notifying us that the funds from the check were being held and would not be available for five business days. I called the bank ( Simple ) and informed them that I understood mobile deposits carry a higher risk, but that if they would a ) look at the history of deposits, this deposit aligns with the direct deposits received every Friday from the same company and b ) a phone call could be made to the issuing bank to verify the deposited check. Furthermore, during my phone call I was informed that {$200.00} of the deposit would not be made available after the first business day following the deposit. For clarification, this deposit nor our account meet the requirements of exceptions to funds availability as outlined in Regulation CC 229.13. The check was not previously returned, it is not a new account ( neither the account the check was written from nor the account the check was deposited into ), the check was less than {$5000.00}, nor did the check/account meet any of the other exceptions provided for in regulation CC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: EQUIFAX, INC.
State: OH
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:
The following accountS are incomplete account and can not be verified and there is not CREDITOR listed, please DELELTE ASAP. 

# XXXX {$330.00} # XXXX {$25.00} # XXXX {$18.00} # XXXX {$9.00} # XXXX {$0.00} # XXXX {$100.00} # XXXX {$61.00} # XXXX {$78.00} If necessary please validation of debt as well. 

I have attached pics of the missing information in addition to the credit report as well. Please delete ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection agency under the name XXXX XXXX APPEARS ON my credit report and is trying to collect an amount of {$83.00} that I do not recall to had with them. Also I dont have any contract or agreement with this Company " XXXX XXXX '' and I do not own them any thing... I never gave this company none of my personal Information as SSN, Names, Adress and Phone number and they are not autorize to use them. 

A FEW MONTHS AGO ANOTHER COMPANY UNDER THE NAME XXXX XXXX TRIED TO COLLECT THE SAME AMOUNT AND AFTER MY CLAIM AGAINST THEM THEY DELETED THIS ACCOUNT FROM ALL OF MY CREDIT REPORTS DUE TO THE FACT THEY COULDN'T PROVIDE ME WITH ANY SIGNED DOCUMENTATION BETWEEN ME AND THEM

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 2019-11-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received an email on XX/XX/19 at XXXX XXXX from Synchrony bank that " a trial deposit has been successfully made to your ''. I received a second email at XXXX that " A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER ''. I attempted to log into my account online but was unable to access the log in screen. I attempted to call several phone numbers, none of which are work expect one that sent me to the Lowes credit cards. That operator tried to send me back to the numbers that I have been calling that do not work. This is a high yield savings account that I do not use at all. there should be no activity. I now received a third email from them at XXXX stating " action required on your application '' the email has no content and I did not apply for anything. there is something going on and the bank is unreachable via phone or website for nearly an hour with unauthorized activity on my 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