BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-18
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is against Caliber Home Loan. I have a mortgage and an escrow account with Caliber. In XXXX Caliber didn't pay my property taxes while I was paying them into my escrow on a monthly basis. Every quarter I would receive a delinquent notice from my city tax department, and I would organize a conference call with XXXX XXXX XXXX XXXX. to resolve the issues. 
In XXXX, Caliber re-calculated my escrow account and sent me a letter. I agreed with Caliber ( XXXX ) to pay the shortage. I paidXXXX on XXXX ( with a note that this money have to be applied to my escrow ). The money were misplaced to my mortgage principal. After multiple calls, and HOURS on hold with Caliber, they agreed to reverse this payment to the escrow account ( request placed on XX/XX/XXXX ). The reversal was finally processed on XX/XX/XXXX. I also pay my monthly statement balance ( mortgage and escrow ). Amount due on XXXX XXXX was {$1700.00}, which I paid and it is reflected in Caliber system. But it seems that they misplaced that payment as well, and as a result I'm charged with {$64.00} late fees. 
I also asked a qualified supervisor to call me ( multiple times ) which never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America took the balance out of a checking account and closed the account without any explanation as to why. I was Power of Attorney for my mothers checking account. She passed away XX/XX/2021. I have been trying since then to find out why the account balance was cancelled and closed. Bank of America has kept me on hold almost every day since then, sometimes for hours. They never answer the phone and they say on their website that you can make an appointment to come in and see them. That is not true as there is no access to do so on their site. If you go to their location, they tell you that you need an appointment. It is nothing but a horrible run around with no way to alleviate the problem. They took out the balance of the checking amount of {$690.00} and closed the account when I go on line, with no explanation of why or how to find out why. The worst run around I have ever experienced and they make it impossible to contact 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 explanation
Consumer complaint received 2021-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital One is in violation of the Fair Credit Reporting Act. Which is section 603 ( 2 ) Exclusions. A consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ( the person citing Capital One ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

That is two violations. I can cite more but I hope Capital One understands that they violated my rights and is a defamation of character because it is a violation of my right to privacy as well. I will attach the direct verbiage from the fair credit reporting act. I can also seek compensation up to {$1000.00} for each violation under the fair credit reporting act alongside the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Experian Information Solutions 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: Investigation took more than 30 days

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 XXXXcomplained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. 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 n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX 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 XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me 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 120 days n they record the calls n 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 jo

b offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and I don't wan na live no more please

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 2022-01-18
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-06-19
Company: EQUIFAX, 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:
In accordance with Fair Credit Reporting Act everything has to be accurate on all my credit reports. 
The credit bureaus stated that my accounts was properly investigate but, how is that possible if open dates is inaccurate, the last date of activity is inaccurate, last reported not accurate. This is ground for removal they have also violated my rights under 15 U.S.C. 1681 section 602 A States i have the right to privacy 15 U.S.C. 1681 section 602 Section 2 it also states a consumer reporting agency can not furnish a account without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
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:
hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. this is horribly impacting my life tremendously.

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 2017-09-09
Company: EQUIFAX, INC.
State: TN
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:
Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
A payment I made in XXXX 2016 was never credited to my account. The payment was sent to the wrong servicer in error, and I was assured by both servicers ( XXXX and FedLoan ) that the  payment would be credited. To this day neither servicer claims to have received the payment despite documentation that my bank account was debited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-01-18
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XX/XX/21 Wells Fargo closed my checking account. They reason is that the address information Washington not updated, but it has veen updated in all XXXX accounts. They send me a check for the total amount {$51.00} to my address where they always send me my correspondence and I do receive it. Nevertheless, I never received that check. 
Since XX/XX/XXXX until now, I tried by phone to resolve this inconvenient but they have no answer for me. I called to the bank three times a week, even I went to the banks office in XXXX, and they doesnt give me an answer. I dont know what more to do, that its all my money. Im desperate!!!!

Today they told me again that I have to wait 10 more days to have an answer.

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 2018-10-23
Company: BANK OF THE WEST
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard credit inquiry from Bank of the West on my XXXX and XXXX  credit reports and I never signed anything authorizing them to run my credit. 

I am seeking the removal of the inquiries from both credit bureaus.

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 2022-06-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have been denied access to the data in my consumer report that a company Data X has stored in their data base, this company is owned by Equifax. I contacted company in XX/XX/2020 and requested a copy of the report and the information in their credit files. Also Equifax would not allow me to dispute any items on the credit report from annualcreditreports.com unless you sign up for an account which is a monthly charge. 
Data X a company of Equifax will not allow you to get the information they provided to the creditor without filling out a form that includes all your personal information and wants you to submit by mail only and not email but states if they find a report after providing your current ID then it may be forwarded to you via usps regular mail not certified. No report was sent or provided to me.

15USC 1681 SECTION 602SA ; STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 : STATES A CONSUMER REPORTIONG AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: WELLS FARGO & COMPANY
State: CA
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 have been charged a late fee in XX/XX/2019 by Wells Fargo because my payment was cleared before their billing cycle ended. As a result, they took the payment and applied it to the balance and did not count it towards my payment that was due on the XXXX of XXXX. Their representative stated this is clearly outlined on my statement when in fact there is nothing. According to her, my payment needs to be made after the close of the billing cycle in order for it to be applied to the current statement balance. 
In other words, if I make a payment on the first of the month, and before the XXXX of the month, Wells Fargo applies this as an additional principle payment and ignores the current amount due. They then charge me a late fee of {$38.00} and add {$1.00} of interest to the next payment. 
I received no notification that I had a late payment or an explanation as to why my payment was not applied to my account other than it was outside their billing cycles.

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 2022-06-19
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:
Equifax is reporting someone else 's birthdate on my consumer credit file. I did NOT give Equifax direct or written consent to furnish or report ANY birthdate on my consumer credit file. Equifax is also reporting a variation of my name that is inaccurate and does not belong to me. These inaccuracies regarding my private and personal identification information are tarnishing my reputation and a clear violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 number XXXX, XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX  account number XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX XXXX XXXX account number 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 consumer reporting Agency can not furnish a account without my written instruction

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 2021-12-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I called Citizen Bank at XXXX to request that my Savings and Checking account be closed. 
XXXX moved the balance in my savings account to my checking account and successfully closed my savings account. He then told me I had to go into a branch to fill out a form to close the account out. The nearest branch in XXXX XXXX, NY is over an hour drive from my home and not an easy commute going thru the city. XXXX then suggested I do a wire transfer and transferred me to XXXX in the mobile transfer department. 
XXXX couldnt help me and transferred me to XXXX in the wire department. 
XXXX said I needed to go to the branch to fill out a form which I told him I live too far. He then transferred my call to the customer service department. 
I asked to speak to a Supervisor as I was now on the phone over 1 hour and 20 mins. XXXX identified herself as a Supervisor and instructed me to send a letter to the XXXX XXXX office requesting the account to be closed. As soon as I hung up the phone with her, I wrote the letter and immediately mailed it as I need the funds as soon as possible. 
Yesterday, my husband took a call from XXXX XXXX, XXXX XXXX XXXX XXXX indicating that I now need to write ANOTHER letter requesting my account to be closed and mail it to a different address. Due to the inaccurate information I was given by XXXX, I now have to wait even longer to get my funds. This is completely unacceptable. 

To top it all off, I called the Citizen Bank number today, XX/XX/XXXX from the number that XXXX XXXX called from yesterday ( XXXX ) to determine if the letter I already wrote could be sent interoffice instead and while waiting in queue for a customer service representative ( where the automated message indicated the wait time was in excess of 5 mins ), a message came on that due to technical difficulties, my call can not be handled at this time and I should call back later. The call then was automatically disconnected. This occurred at XXXX today, XX/XX/XXXX. 

I then called the XXXX XXXX Branch Office at XXXX and pressed the option to speak to a Branch colleague. It rang about 20 times and then automatically disconnected.

Ive had accounts at many different banks throughout my lifetime and I have NEVER experienced an issue getting money out of any accounts until now. This experience and level of no-service is scary and completely unacceptable which is why I took this opportunity to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

Further, it is time for legal regulation change. The credit reporting organizations collect far too much detailed data which is not necessary for their function. We need to demonstrate we can meet and exceed the XXXX and as it pertains to credit bureaus. With this level breach all social security number should be wiped and move to a different unique identifier if one truly has to have a unique identifier to calculate a score for a segmented range of values, but I digress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
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:
I Received a letter from XXXX advising that they " verified '' the information. i am curious as to how you verified information and would like to receive physical documentation to support this erroneous information. 
XXXX has been reporting Unverified and inaccurate information on my credit report which has damaged my credit. 
XXXX is " updating '' or " verifying '' information again without diligence information. i sent 6 round letters still Hasn't seeing any changes while there's multiple errors on my report am asking for this verification because my credit score is important to me and i believe it is being unjustly degraded as a result of unfortunate error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: GA
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:
A company which I never chose to do business with, Equifax, allowed malicious actors to gain access to my personal information including my SSN and credit information. By negligently failing to protect their systems in an adequate manner, they have put myself and millions of other Americans at direct risk. 

Beyond that, I was not notified by the company themselves, rather only through social media and direct action on my own part was I able to discover that I was a victim.

Company response to consumer: Closed with explanation