BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: W&A Intermediate Co., LLC
State: CO
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:
I filed an dispute for an account in the amount of XXXX XX/XX/2023 and never got a reply. It is now XX/XX/XXXX and I still haven't heard from anyone. Any help is appreciated thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Citi customer service doesn't have access to my account nor does anyone on the backend. The account closed in XXXX and I paid off the balance XX/XX/XXXX in a one time payment for the account to be removed from my credit reports. Citi has been reporting my account XXXX late payments XXXXdays and everything else up to XXXX as a charge off. 
I have also requested my data multiple times over there years and no answer. just today I've spoke with over 35 reps from all departments and no on has access to it. This account should reflect its removal from all my reports. I have disputed every month with the bureaus, XXXX XXXX and XXXX and still it has not been updated. Now when I am in between homes and explained the emergency I was in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account names : XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX, XXXX XXXX {$900.00} XX/XX/XXXX has violated my right. ( XXXX XXXX XXXX XXXX XXXX XXXX of the United States of America at the time the account was opened. I am a XXXX XXXX 
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 an 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 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
Consumer complaint received 2023-01-14
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Overview -- -- I'm making this complaint due to Regions Mortgage attempting to force my online payments into being late. This has happened more than a few times, especially when the payment dates fall on XXXX. I have contacted the company over this in the past and they tried to claim I did not schedule the payment " within the stated time requirements '' and here we are again. Obviously they have still not corrected the problem, as today I HAVE again met their time requirement for the payment to be posted on XX/XX/XXXX. -- -- - XXXX  ( XX/XX/XXXX ), I logged onto the Regions Mortgage website at about XXXX XXXX XXXXXXXX to schedule a payment that is due by XX/XX/XXXX to be considered " on time '' -which MUST ALSO be scheduled before XXXX. XXXX ( see below ) However when I attempted to select the payment date or date for automatic withdrawal from my bank account, I could not select today nor any date before XX/XX/XXXX, well after the " on time '' due date. -- -- - This is in direct conflict with the statement on the bottom of the Regions payment webpage that reads : " All requested transactions ( i.e. payments and cancellations of payments ) must be submitted by XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXXo be effective for such day. '' I have attached a screenshot of my payment showing this information along with the receipt showing the transaction information. -- -- - The last time I checked, XXXXXXXX XXXX XXXX, is well before XXXX XXXX XXXX  it is XXXX, and therefore the payment date of XX/XX/XXXX should have been available for selection according to their requirement. -- -- -- I have had many problems with Regions over the years including my refinancing in XXXX, where the Bank Loan Officer kept calling my employer on a weekly basis for 6 weeks to re-verify my employment. Very embarrassing and bordering on harassment, I complained to her regional supervisor and he made her stop waiting to close the loan. After that I will NOT allow any issue to go unreported, especially one that could cost me a late fee and a late mark on my credit report. I have not had any late payments in over 4 years. -- ---

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After throughly reviewing my credit report I found PROOF OF INACCURATE REPORTING. Which is also a violation of FCRA

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 2023-05-23
Company: Experian Information Solutions Inc.
State: IA
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Please do not mark this issue as a duplicate. There have been updates to my report so this complaint is based on the updates, so it is an entirely new complaint. 

It looks like we are making progress because now XXXX at least corrected how they were marking my account as delinquent for the time period before receiving the invoice! They also finally applied a payment to my account. The problem is that there are still negative remarks that do not apply. Please see attached documentation and do not simply take XXXX 's testimony as fact- they have a documented history of making false remarks on consumer credit reports.

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 2023-06-13
Company: David Deep Law Offices
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
David Deep Law Office did not provide this information in his attempt to collect the alleged debt. I had no idea I had any rights to do so, until recently when I started looking into the laws myself. If David Deep Law Offices had informed me of my rights as required to do so, I may not have had to suffer all of his legal attacks against me. 

15 U.S. Code 1692g ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and

Company response to consumer: Untimely response
Consumer complaint received 2023-01-20
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX credit plan open my account that I did not request them to do so. I just got a letter from them stating they close my account that I never open the account with them in the first place

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 2023-01-20
Company: Block, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Approx XX/XX/2023 I received notification of {$2000.00} transfer to my CashApp account. 
Using the app I tapped the prompt to retrieve funds. A message said they had already been claimed. 

I contacted the support who authenticated me then said I wasn't eligible to continue for security reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 sent a letter to Transunion marked XX/XX/2022 in relation to hard inquiries listed on my credit report, claiming I do not recall those inquiries and listing them as unauthorized. I asked Transunion to perform an investigation and produce evidence in accordance to what I researched about the law and they sent me a letter on XX/XX/2022 denying my dispute and refusing to investigate. The following are the ones I disputed on my credit : Dispute # XXXX : XXXX XXXX XXXX XXXX ( Finance ) Type : Hard Inquiry Dispute # XXXX : XXXX XXXX XXXX ( Bank ) Type : Hard Inquiry Dispute # XXXX : XXXX XXXX XXXX XXXX  ( Finance ) Type : Hard Inquiry I am asking CFPB to please enforce the consumer regulations and ask Transunion to remove unauthorized credit inquiries from my account and to please submit investigative details and results. 

Thank you CFPB. 

Sincerely 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 2023-03-06
Company: EQUIFAX, INC.
State: MO
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:
XXXXXXXX XXXX  -- XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX account was identified as fraudulently open and closed with a {$0.00} balance reported. 6 months later XX/XX/XXXX the balance on the account increased from {$0.00} to {$320.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-01
Company: American Location Specialists
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A collections company picked up the debt or was retained?? Not sure XX/XX/28, they ( collections company ) contacted my father and step mother regarding an alleged pay day loan taken out in Florida, where ach checks bounced, I currently live in PA, said they were filing in my current county XXXX I spoke with them ( collections company ) personally, they said they would garnish wages without asking me to court, are contacting my employer tomorrow ( XXXX ) to start garnishing wages

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX XXXX 

Transfers unknown/unlisted on statements with destinations not mine. XXXX, totaling. 

Numerous bank triggered overdraft fees in above amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around XX/XX/2021, I contacted XXXX in regard to, a mix of credit file information with my deceased father 's information. I filled out an identity theft packet, and I was advised : " the count would be removed from my credit file. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have hired a debt consolidation legal firm XXXX XXXX XXXX to aid me in paying off my credit card debt. I was notified end of XXXX that Gurstel Law Firm was representing XXXX XXXXXXXX for the unpaid cc balance. I forwarded the summons to XXXX. A few weeks later I was notified that Gurstel had obtain a judgement. I sent that document to XXXX. I also reached out to Gurstel to work out a payment plan- they advised me that NO ONE would talk to me because I was being represented by a legal firm. I called XXXX to help get this settled. XXXX called me and then advised me that Gurstel would not work with them because I owned that debt. I keep receiving notifications that Gurstel has received judgements increasing the amount owed each time and when I contact them to settle the debt- and demand someone assist me with my debt- they keep telling me no one will speak to me from there since i have a legal debt company representing me. Im afraid they are just going to empty my bank account one day and that alloted money wont be able to pay my monthly bills. I need help. I have been jerked around back and forth between the 2 companies since XXXX while continuingly making my monthly payments to XXXX. 
I can not get help from Gurstel and Gurstel wont speak with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SELECT PORTAFOLIO SERVICING SPS 1- On XX/XX/XXXX, I requested SPS in writing to return the Escrow withheld for insurance and taxes, which I had already paid in advance and yet SPS continued to charge them monthly. 


2- On XX/XX/XXXX, they sent me a letter responding to mine on XX/XX/XXXX, 6 months later, where they told me that they accepted to make the return. 

3-In the statement for the month of XX/XX/XXXX, no money appears in the Past Payments Breakdown category. 

4- I made a call in XXXX and they informed me that they had sent a check for that value to XXXX XXXX when my address is here in XXXX Florida XXXX I told them that no check had arrived in XXXX and that in any case they could see in their bank statements if the check had been cashed, which has not happened. 

5- Since XXXX I have been calling to find out about my money and every 15 days he tells me by phone that the money is already going to be sent to my address in XXXX XXXX that in 15 days and so on and it has been another 6 months and every time I call They tell me the same thing, to wait 15 days, and a year has already passed since I made my request. 

I request an

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Reference CFPB complaint # XXXX. I received attached letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, waited for XXXX XXXX XXXX response on their complaint submitted XX/XX/XXXX, however no response. Theyre probably waiting until the court trial management conference set for XX/XX/XXXX. Anyway this letter states both lawsuits dismissed per plaintiff for financial hardship. First off YOU ARE A XXXX. They are still active. NEVER discussed any financial hardship or made any such request. If i did why would I be complaining? Bank XXXX XXXX, as stated several times advised me they reassigned accounts to XXXX XX/XX/XXXX. XXXX XXXX XXXXXXXX however courts shows no such thing. In fact they filed trial documents as well. 
Other fraud committed by this business as well but Ill save that for trial. Lets see if XXXX  XXXX XXXX and XXXX and XXXX wan na get on the stand and tell this lie. 
You dont have that license to practice in XXXX yet do you? Yet you served summons XXXX of XXXX. And XX/XX/XXXX. Perpetuaters!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Village Capital & Investment LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I tried to make my monthly Morgage payment. Today is XX/XX/2023 XXXX am. The company website will not take a payment until XX/XX/2023. A late payment is added if payment is not made by XX/XX/2023. It is not fair for the company to refuse to accept a payment in order to collect a late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
As discussed in greater detail in the attached documents ( Exhibits A-D ), we learned on XX/XX/XXXX, that our XX/XX/XXXX estimated tax payment of {$20000.00}, that we had mailed to the IRS for XXXX taxes, had been stolen or otherwise diverted from the IRS, that a fraudulent check to an individual unknown to us, with a notation reading gift, with a forged signature had been fabricated and substituted for the check to the IRS, and that Bank of America had paid out that fabricated check through a mobile deposit at a Georgia branch of XXXX XXXX XXXX XXXX. Although we had signed up for fraud alerts on our account, Bank of America did not send us a fraud alert or make any effort to verify this check notwithstanding that the signature bore no similarity to either of our signatures, that it was written on a different check template from our checks and that it was a huge amount of money written to an individual and deposited as a mobile deposit in a distant bank. 

We immediately filed a fraud complaint with Bank of America and had expected it to honor its obligation not to pay out forged checks and to reimburse us for their gross error. Having recently learned only this month that Bank of America does not intend to do so, in fact has failed to investigate this matter at all despite having taken over XXXX months to " research '' it, we file this Complaint. We request that the CFPB XXXX Bank of America 's failures to honor its responsibilities to its customers ( we assume we are not alone ) and direct the bank to reimburse funds that have been stolen through forged checks. 

Thank you for your attention to this matter.

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