BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. XXXX Accounts below violated my rights. 15. U.S.C. 1681 Section 602 A states that I have the right to privacy. 15. U.S.C 1681 Section 604 A section 2- Consumer Report Agency can not furnish an account without my written instructions. I have sent several request to remove inaccurate information and these account. Letters and documentation such as FTC was sent on XXXX, XXXX, XXXX, XXXX, XXXX,. Accounts below : XXXX. XXXX XXXX - Account # XXXX, and Account # XXXX XXXX. XXXX XXXX XXXX ( original creditor : XXXX ) - Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX XXXX - Account # XXXX XXXX. XXXXXXXX XXXX - Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX XXXX - Account # XXXX, Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am a loyal CitiGold customer of 15years. The service level at this branch is beyond low. I have been waiting for an hour to send out a wire. There are still XXXX people ahead of me. This will take another hour at the rate they are processing things here. They are slow and understaffed. The CitiGold customers do not get any expedited service. Whenever I am here, it takes a long time to get anything done. Today is not an exception, but XXXX hours of wait time are beyond my level of patience!! I am terribly disappointed and will be looking for alternative banking institutions to transfer my assets.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage bank was XXXX XXXX and my loan servicer was America 's Servicing Company. I fell behind on my mortgage due to lack of employment. I then applied for a loan modification and within 5 months of the beginning of the delinquency, I was solvent again. I diligently responded to each information request and this daunting process lasted two years at which point I filed a lawsuit. The bank willfully complicated the process and gave out misinformation in order to stall the process and increase the delinquency balance in spite of the fact that I had the funds to pay the full amount of the mortgage. They refused to reinstate the payments and instead demanded the delinquent amount be paid in full. I did not have the cash to pay the full delinquency amount which quickly climbed from {$2400.00} to over {$20000.00}, because of fees that were tacked on. My lawyer ( XXXX XXXX out of XXXX, TX ) advised me to stop responding to the banks requests and let the lawsuit begin. XXXX was enthusiastic at the start of the case but soon became despondent. He intentionally filed a bond one day too late and then dropped off the map. He would not return my calls. I hired a second attorney ( XXXX XXXX of XXXX XXXX XXXX ) to continue the fight and I think they lost the case by using an argument that had already been shot down in Texas courts. Then I was advised by XXXX & XXXX to get my property out of the house soon in order to avoid the inevitable eviction ( which XXXX have facilitated the eviction ). I was evicted and homeless for 9 months while I restructured my life and was able to find an apartment. I lost everything fighting this bank that lied throughout the XXXX year modification application process, leading me to believe that I was eligible and that they were there to help. I 've documented the process on my blog page - 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 2017-02-02
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender was provided our third part authorization XX/XX/XXXX - we have spoken to the lender hundreds of times since then and was provided a loan history report by a rep on XX/XX/XXXX and on XX/XX/XXXX we were advised that our TPA is no longer valid and that the client needed to provide authorization to the lender for them to speak to us on the clients behalf - The lender is in violation of the clients right to counsel - XXXX XXXX has not required this on any other loan that our firm handles for their clients - More than XXXX files to be exact. We feel the lender is delaying the request for assistance and not willing to assist the client due to making this unacceptable request to assist the client with saving their home.

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 2016-03-01
Company: AmeriHome Mortgage Company, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company accidentally paid my homeowners/hazard insurance twice in one year from my escrow account. I noticed this in XXXX 2016 when I got my year end review. The Insurance company sent a refund shortly after when they noticed the overpayment. I started the process of depositing this money back into my escrow and opening claims to adjust the escrow needs and monthly payments for 2016. Since this process began, they have opened XXXX different claims to request the adjustment and I have spoken with them XXXX8 times between XXXX and XXXX XXXX. The response I get each time I call is that the previous representative did not open the correct request and that something else has been directed as the appropriate action, but none has taken action on the correct path that has been " noted '' in my file. This company has had more the XXXX representatives, whom apparently are not thoroughly trained, that have mishandled my loan. Not once have I received a call from them, they XXXX8 times I was in contact with them it was me reaching out to them only because I saw no activity in my online portal by the estimated date they had given me for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I was not satisfied with the result I got from my TransUnion report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information and inquiries to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information and inquiries removed or have anyone from TransUnion contact me about the status of my concern. Here are the items that I am trying to dispute : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX of 2022 An attempt was made to resolve inaccurate information on my report. It is now XX/XX/XXXX, of 2022 I have been taken advantage of due to malpractice while being in violation with FCRA guidelines. This has caused me hardship and hurt my ability to obtain credit.

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 2017-04-28
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
XXXX   XXXX   XXXX  was disputed on  XXXX / XXXX / XXXX  with   XXXX   XXXX   XXXX  . Chex Systems has been disputed on  XXXX / XXXX / XXXX . My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When   XXXX   found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with  XXXX  and no luck. Attempted to resolve with  XXXX   XXXX   XXXX   XXXX  , Chex systems, and no luck.  XXXX / XXXX / XXXX  Today I have found that I can not open any accounts and have found myself without banking for businesses.  Real Estate and Construction . I am not able to write checks to employees or conduct business. I am desperate to talk with someone to help the situation. 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 2016-01-26
Company: Buffaloe & Associates, PLC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a subpoena from a collection agency threatening to sue me on a time barred debt from 2004.This company has tried several times to garnish my wages but have been unsuccessful due to I only work 1-2 days a week and now they are taking me to court and asking for record of employment, checking/saving accounts, deed to property, titles to vehicles and copies of tax returns for the past 3 years which I do n't understand the need for because I thought it is against the law to try and sue or threaten to sue someone on a time barred debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: WELLS FARGO & COMPANY
State: WY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1. I filed Case No. XXXX with the CFPB on XX/XX/2016 which is pending, and to which this complaint relates. 
2. The essence of that complaint is that Wells Fargo Home Mortgage sent me a notice out of the blue requiring me to show proof of flood insurance on a house that has had a mortgage on it for 10 years, and that sits in the middle of the XXXX, well out of any FEMA designated flood zone. 
3. I called WFHM twice on the number indicated on their demand letter, requesting written proof indicating the notice was sent in error. Each time I was assured the notice was sent in error, and that a letter confirming this would be forthcoming. No letter, email or other written documentation on which I can rely has ever been sent. 
4. In response to the request for something in writing, rather than doing that, WFHM had somebody named XXXX call and leave messages three times. In these messages he says he has gotten my " inquiry '' ( the CFPB complaint ) and invites me to call him. Nothing else. 
5. Because I am currently XXXX miles from home, lending support to my wife, who is in turn comforting her youngest sister who is XXXX, I have not spoken to XXXX. 
6. On XX/XX/2016, XXXX filed a response to my CFPB complaint, stating he has been unable to contact me, that he continues to do " research '' into my complaint, and that he and WFHM need 60 days to sort things out. 
7. This is the identical delaying response WFHM gave 4 years ago to the CFPB when they attempted to charge me a higher than advertised interest rate on a refi of this loan. ( Case No. XXXX ) 8. There is no " research '' to be done. The property is not in a flood zone. I need written documentation so that the sort of brain damage we are currently going through can be completely avoided in the future. 
9. There is no need for XXXX or anyone else at WFHM to contact me. I have the computer generated demand letter WFHM sent to me on XX/XX/2016, and nothing else to provide them. All information necessary to resolve this issue is available to XXXX. 
10. WFHM required a mountain of written documentation from me to secure and refi this loan. I want a one sentence letter, not a phone call, so the next time this issue arises, it can be resolved without recourse to the CFPB, or other outside agency. 
11. XXXX and WFHM are wasting resources, time, and whatever shred of credibility they might have by engaging in these bullying tactics.

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 2023-03-24
Company: Upgrade, Inc.
State: IN
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, this creditors have violated my right. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 15 U.S Code 1681e- A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ). The IRS states that charge-offs are considered Income and income should not be reported under a consumer report. 
Besides this creditor is committing fraud by reporting the negative charge-off on my consumer report. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2015 we made a payment of {$82.00} to XXXX XXXX XXXXOn XXXX XXXX, 2015 the Bank decided to send another payment in account of e-bill which was {$81.00} without our authorization. Neither one of the account owners made such a payment and the money was taken arbitrarily by the Bank, causing impact to our finances. 
When we called in to place a complaint, we were told that we need to wait 10 business day in order to get our money back, which we deem not acceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX 2016, I lifted my credit freeze successfully by internet, with XXXX and XXXX. Per the credit bureaus policy, we were required to pay {$10.00} to each bureau to do a temporary lift from XXXX XXXX to XXXX XXXX 2016. Now : I then tried to lift my credit freeze with XXXX by internet and the website stated to contact XXXX. I figured that I did something wrong so I tried three times. Each time I submitted the request, XXXX denied my lift request stating that I need to contact XXXX. On XXXX XXXX 2016, I contacted XXXX and explained the issue. They transferred me over to a representative to handle my request. On XXXX XXXX 2016, I checked my bank account online and found that XXXX charged my debit card XXXX times in the amount of {$10.00} each, a total of {$40.00} and was pending on XXXX XXXX 2016. On XXXX XXXX 2016, I contacted XXXX an notified them of what had occurred. They stated that I need to speak with personal solutions. The representative then transferred me. At XXXX, I left a detailed message with XXXX personal solutions and requested them to call me. As of XXXX XXXX 2016, XXXX failed to contact me regarding the XXXX charges that I did not authorize. On XXXX XXXX 2016, I rechecked our bank account online and found that Wells Fargo Bank N/A has now changed our statement to reflect that XXXX charged our debit card XXXX {$10.00} payments on XXXX XXXX 2016 instead of XXXX XXXX as documentation reflects. On XXXX XXXX 2016 at XXXX, I contacted Wells Fargo Bank and filed a complaint, claim # XXXX. I complained about the XXXX extra charges from XXXX that were not authorized and that Wells Fargo changed our bank statement postings. On XXXX XXXX, these charges were pending transactions. Then Wells Fargo changed these transactions to XXXX XXXX reflecting pending transactions. The question is, did XXXX commit fraud by over charging us? Also, why did Wells Fargo Bank change our pending transaction dates? We have a printout of our account on XXXX XXXX and XXXX XXXX 2016 for documentation! Willing to provide the documentation if needed!

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 2015-07-09
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I submit a request for an annual report from each of the XXXX credit reporting agencies. XXXX and XXXX have my correct birthdate. Equifax does not. I have gone through the prescribed procedures to correct their error. I have repeatedly submitted my birth certificate etc. ; to no avail. As a result I can not download my credit report from Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased this home in XXXX for XXXX from XXXX XXXX XXXX  who went out of business and the loan was transferred to XXXX, who also went out business and the loan was transferred to XXXX XXXX. I said I made a loan on the home in XXXX and said the balance was {$280000.00}  with a deferred payment of {$180000.00}. I never missed a payment with XXXX. In XXXX of XXXX, a XXXX representative offered me a Recast on the loan and instructed me to make the first payment XX/XX/XXXX. In XX/XX/XXXX, XXXX  transferred the loan to SPS, which applied my first payment to XX/XX/XXXX. Every since then they have harassed me monthly with letters saying my loan is behind in payments. They asked me to send information on a Loan holder named XXXX XXXX. In XXXX XXXX paid state taxes for a XXXX XXXX. I checked on XXXX and it showed that the home was sold in XXXX for {$18000.00}. I am a 100 % XXXX XXXX Veteran with XXXX, physical programs. I can not afford an attorney, but need help. Please XXXX, help me through this difficult time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Other

Complaint:
I am a military personnel on active duty and I have requested the SCRA with a credit card company but was told that the request was submitted back in 2010 but I do not see where it is reflected on my account. I have contacted the company several times and got nowhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2015-11-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo Bank is refusing to honor a check used to open accounts for my trust account. They are claiming the check was altered. The issuer says that they write all their checks with the payee 's name hand written on the check while the rest of the check is typed. I feel that the bank is inferring that I submitted a fraudulent check to them. Can you please help me get this issued resolved. There XXXX accounts opened with this check. Both a checking and a savings account. The accounts were opened on XXXX/XXXX/2015. I am a veteran.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation