BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: NC
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:
I am a victim of identity theft. XXXX has an outstanding balance amounting to XXXX that does not belong to me. Contacted XXXX many times and filed a police report XX/XX/XXXX. I have also disputed with the three credit bureaus via certified mail on XX/XX/XXXX advising of my identity being stolen. XX/XX/XXXX I sent a follow up dispute and even with all proof I sent regarding my identity being stolen, still no resolution. I have called the credit bureaus and XXXX practically every month and still no one has been able to 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 2017-06-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I would like to report what I call illegal business practices. Wells Fargo Bank claims that they sold my heloc to a LLC that had their license revoked and could not perform according to the contract they sold. They did not report this to the IRS and will not provide the documentation even though there is a subpoena and a notice to consumer. On XX/XX/XXXX I called Wells Fargo executive offices and spoke with the woman in charge, XXXX XXXX regarding the message she left on my phone stating that she had mailed me a letter responding to my complaint to your agency. The conversation was more of the same. She will not provide me with a copy of the company policy stating whether or not it is customary and legal for Wells Fargo Bank to sell the servicing to a company that can not perform according to the contract who also had their license revoked making it illegal for them to do business. <P/>XXXX, XXXX had their license revoked at the time that Wells Fargo Bank claims they did this transaction. They were not an investment firm they were an LLC and used the same name and business license that the secretary of state revoked. The IRS had their license revoked making it illegal for them to do business. <P/>XXXX XXXX from the subpoena department stated that the executive office requested my file and they were not to send any information requested by subpoena because the executive office would be handling it. XXXX XXXX stated that she was the one that requested the information, but did not tell the subpoenaing department not to send the information requested in a legal subpoena duces tecum. The information has not made it to the courthouse yet even though they asked for an extension. <P/>The letter they claimed to have mailed me in XX/XX/XXXX regarding selling the heloc does not have their, Wells Fargo Bank letterhead and it looks like it was not the original letter. It looks manufactured. <P/>I also requested a copy of the letter and check that they mailed me in XX/XX/XXXX stating that they did an audit on my account and noticed they owed me some money from when the loan was originated. They now claim they can not locate the letter or the check. <P/>My Heloc loan number is XXXX. The address to the property for the equity line is XXXX XXXX XXXX XXXX, XXXX XXXX, CA 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 2019-11-21
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Recovco Mortgage Management, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX my XXXX, XXXX XXXX XXXX XXXX, purchased a house at XXXX XXXX XXXX, XXXX XXXX,XX/XX/XXXXXXXX. I used Recovco Mortgage Management , LLC d/b/a Sprout as my lender. There was a construction hold back in the amount of {$630000.00} for the purpose of rehabbing of the house. On XX/XX/2020 I submitted my first initial draw request for work that had been completed and now due for reimbursement. I received a wire transfer in the amount of {$9900.00} which was minus my first house payment of {$2900.00} that was taken out without my authorization. After the 3rd time of trying to get reimburse for monies I spent on the project which was taking over a month, I decided to finish the project myself. 

After I finished my project and had my son living there until I got it refinanced, I received this message from XXXX XXXX a reprehensive for Sprout Mortgage, " XXXX, Management is not releasing the remaining rehab funds since the property is rented out. That is in violation of the papers you signed at closing ''. 
Please send in payments for the outstanding interest owed and let us know how the refinance is coming along. When do you anticipate it closing? 
There is nothing that states I couldn't allow my son stay there until I sale or refi my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: IL
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 these accounts below has violated my rights. 


Account Name : DEPTEDXXXX Account # XXXX. 


Account Name : DEPTEDXXXX Account # XXXX. 


Account Name : DEPTEDXXXX Account # XXXX. 

Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account # 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 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 2017-10-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX XXXX, XXXX I accessed my bank account through the XXXX mobile app ( as I often do approximately XXXX times daily ). On the date in question I noticed my account showed several pending transactions and some posted. Additionally, I had a balance of over {$200.00} in my checking and over $ XXXX in my savings account. By the time I woke up the next morning I was overdrawn and charged {$34.00} for NSF. XXXX alleges I did not have enough money in my account to cover a recurring bill ( from XXXX ). 

On several occasions throughout the day on XXXX XXXX, XXXX, I saw the XXXX payment, in particular, and it showed " posted ''. I knew it was posted because the XXXX is blue for credit and gray for posted. Additionally, it did not say " pending '' in the left hand corner near the transaction. I asked XXXX why they did n't reject any transaction XXXX XXXX ) and they " conveniently '' stated the XXXX transaction is the transaction that put me into overdraft. I know for a fact they fixed the order of the transactions to make the XXXX transaction come in " last '' when in fact it was first on the list for that date. If they left it as " posted '' instead of being dubious and making it " pending '' AFTER they posted it, it would have triggered XXXX of my debit transactions being rejected at the POS requiring me to make a transfer which would n't have cost me a dime! 

I am requesting that my {$34.00} be put back into my account since XXXX has not provided written documentation, bearing my signature, that states I opted into overdraft protection. I have enough of my own money in the bank. I do n't need XXXX 's.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-23
Company: Experian Information Solutions Inc.
State: FL
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:
I disputed information in my Experian Credit file regarding a closed account with XXXX. The report incorrectly stated the account was settled in XXXX. In reality the account settled in XXXX. After my dispute, Experian began to report the account settled in XXXX? 

When I followed up with Experian to dispute the incorrect update they claimed the new information was modified by XXXX. When i contacted XXXX, they claim Experian modified their reporting. 

It is evident that Experian is not looking to correct misinformation. How can an account be reopened and settled 6 years after the fact without documentation?

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 2017-10-19
Company: SYNCHRONY FINANCIAL
State: UT
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:
On XX/XX/XXXX I notified the three major credit bureaus that an account from XXXX XXXX was being reported on my credit report, I informed the that the account was open by my ex-husband when I was out of the country, The account was open on XX/XX/XXXX however I was out of the country and I retuned on XX/XX/XXXX. On XXXX I received responses from the credit bureaus, they claimed that they verified the information and that the account information was correct. On XX/XX/XXXX I notified XXXX XXXX that the account in question was opened with out my consent and at the time I had no knowledge of the account. The Account was opened by my ex-husband. I provided a copy of my passport showing that I was not on the United States when the account was opened however they neglected to acknowledge this and they just stated that they reviewed their files and that the account information was correct. Also they send me a separate letter stating that they sold the account to a collection agency. XXXX XXXX has neglected to acknowledge the fact that I did not open the account and that i was out of the country at the time, they have not also provided proof that the account belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, VA XXXX Has been sending me collection notices in the amount of {$400.00} The collection has been reported as a past due balance. I do not know this company, I have never done any business with the company. I do not recognize this debt. 
This company does not have any contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on trying to remove incorrect personal information that I dont want on my credit report. According to the fair credit reporting act 12 USC 1681.I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.

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 2022-06-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: QC HOLDINGS INC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I took out a payday loan in 2010 from a company called quik cash in XXXX Kansas. When I began to struggle I could not pay it myself and filed chapter XXXX bankruptcy with an attorney. Since I filed they have called my references and told them they were going to send me to jail, that I had court documents that I needed to pick up at the courthouse, had outside agencies call and demand payment and today they tried to collect by pretending to be my local police department. I called the number on my caller I 'd back and got my local pd and asked for officer XXXX after the initial call was disconnected where this " officer XXXX '' said I was being brought up on Criminal charges for writing a bad check for a payday loan. The pd said there was no officer XXXX employeed through them and they did n't have a legal department cuz officer XXXX kept having me talk to the pd legal department. Nice lady at pd said it had to be a scam cuz this just is not how the pd does things and this officer did not exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: FIRST NATIONAL BANK OF OMAHA
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:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

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: DISCOVER BANK
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:
On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK XXXX XXXX XXXX XXXX, 2014 XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been directed by Navient that i was eligible and enrolled in the public service loan program. However after reading about a pending lawsuit i have found out that Navient did not tell me that i could not use this program because my loan is a XXXX consolidation and not a XXXX. This was done year after year, they lied and mislead me to believe i was in the Public Service Loan forgiveness program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: RS Clark and Associates, Inc.
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: Account status incorrect

Complaint:
on XX/XX/19 i spoke with XXXX XXXX at RS Clark, who agreed to take payment and to remove and delete from my credit. They instead filed new status of late payment instead of delete and remove. I want them to do what they agreed to do and remove and delete from my credit report immediately. account is under XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
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:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Please refer to my earlier complaints about Citibank. It seems there is no way this bank can improve and do something better. 

The latest issue - the customer service folks are not even aware of the correct XXXX XXXX #. I called them via phone during XXXX XXXX XXXX to XXXX XXXX XXXX. As I was not having the online access or my check book - I simply asked them about my account # and the XXXX routing # to setup a direct deposit. 

The gentlemen on the phone told me that XXXX routing # is : XXXX though he provided me the right account #. 

I setup in my employer 's portal for the direct deposit. For the pay on XXXX XXXX XXXX - i realized the direct deposit is not happening and then reached out to their customer service again. Only to realize that the routing # is wrong. He told me that if the routing # and the account # is not matching - then money will be refunded. My employer might charge me penalty for this. And I have no idea what happened to my {$100.00} direct deposit which went into somebody 's else 's account. 

This is so careless mistake by the customer service. 
XXXX has a usual habit or pattern of making simple things complex. Moreover XXXX has grown so big and expanded into so many geographies that they ca n't manage very simple stuff also. It 's just too difficult to deal with this bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I paid for ONE night at the XXXX XXXX in XXXX, XXXX. They charged {$170.00} and put a hold for {$540.00}. I demanded the hotel to take such an unreasonable hold off my account and the hotel repeatedly refused to do so. I called Bank of America the same day and the telephone representative who opened my claim # XXXX agreed that a {$540.00} hold for one night was crazy. The next Monday was a holiday so I waited until Tuesday XX/XX/XXXX to get a temp. reimbursement while the claim is pending. The claim is still pending yet Bank of America reversed the funds as of XX/XX/XXXX without noticing me. What is wrong with these people? What could the hotel possibly say to justify " holding '' {$540.00} for a guest who stayed a night and left without spending anything other that her overnight stay? What could possibly be the reason for BOA to reverse the funds in just two days without resolving the claim. I 'm sick of the bank 's abusive practices. I 've had enough. I respectfully request not just the reverse of the funds but a compensation for what they do. How many people do they do this to? 
Thank you for your attention Sincerely, XXXX XXXX XXXX XXXXXXXX ( 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 monetary relief