BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Ok, so I got this credit card, and it was my first unsecured card. Capital One platinum card. It was opened and closed the same month. My limit was only XXXX  and I have paid this account off XXXX times. They owe me money and I want this account closed and negative marks off my credit history. Its destroyed a lot of things I had going for me and I'm seriously considering taking this to a court to get compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have Mortgage account XXXX with the fifth third bank and an escrow account with the bank. After I received the first invoice of the property tax after appraisal, on XXXX XX/XX/XXXX, I chatted with their online representative and I was told to send all documents to the bank 's e-mail address " XXXX ''. I did exactly what the representative said and you can find the chat logs in the attached log file of XXXX ' and the screenshot of the e-mail in the attached png file XXXX  '. Then, on XXXX XX/XX/XXXX, I also received more invoices that they must have been paid by the mortgage 's escrow account. Then, I opened another chat, and again, I tried to communicate with their chat representatives. You can see 2 chat log files ( XXXX and XXXX ) with two of your representatives, then I sent the documents to their e-mail again. Please check XXXX ' in the attachments. However, in the last days of XX/XX/XXXX, I received another invoice from the tax collector, XXXX tax, with a penalty and interest over the first value. As you can see, I followed all their instructions and I sent the document to the correct departments long before the due dates. The bank made me pay the penalty and interest although it was their mistake. I just called them today and they said it is my mistake I have no idea how. I have all the log documents and e-mails. Recently, they also missed the due date of my house insurance which must be paid by my escrow account. If something happened during that time at my house, I would have so much trouble. I am willing to share all the documents with you. I hope you can find a solution. Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: First Federal Credit Control, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For more than three years I have been the victim of an abusive practice by First Federal Credit C. which has not stopped reporting to the three major credit bureaus a medical debt that does not belong to me even though the information they maintain in their files does not match my identity at all nor does it match the information they maintain on file with the credit bureaus, which I was able to verify through information obtained from the original creditor XXXX XXXX XXXX XXXXXXXX  when I submitted this account through XXXX on XX/XX/XXXX and contacted both companies in order to resolve the situation. 
FIRST FEDERAL CREDIT C Original creditor : XXXX XXXX XXXX XXXXXXXX {$440.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Citi Bank has a vendetta against me because I have complained against them. Unfortunately I have 3 Citi Bank Credit Cards. Limits were {$3000.00}, lowered to {$500.00} illegally ; Home Depot {$4000.00}, lowered to {$500.00} illegally and Sears, {$4000.00}, just lowered to {$250.00} all without proper notice just because gave an earned feedback of zero! How can I get Citi Bank to stop victimizing me and leading low credit score and then using it as an excuse to keep lowering my limits without notice? Please help me with a referral to fraudulent financial abuse.

I have 4 good banks that increase my limits rather than increase, XXXX XXXX, 3 accounts ; XXXX XXXX, 2 accounts, best bank ; XXXX  XXXX, XXXX accounts and XXXX XXXX! I only get financial rewards from these banks rather than financial abuse acts. Just because Citi Bank is an international bank does not give them the authority to victimize, abuse, and subject us severely XXXX XXXX XXXX  to unfounded and discriminatory abuse! All of these has lead me to a bad score leading to losses of thousands upon thousands of dollars of low interest opportunities. Because of Citi Bank 's illegal acts, I don't qualify! Prior to all of these unjust victimizations, my score was XXXX, but XXXX turned our finances off illegally but then Citi Bank has followed illegal suit! I still make all my payments on time where the companies has not prevented me to access my accounts, because some have!

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 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with XXXX XXXX XXXX, TransUnion, XXXX, and XXXX  for months. The bureaus claim XXXX XXXX claims if accurate yet, all companies have refused to supply me with the method of verification and or any written contracts with my signature. According the the FCRC and Maryland state and Federal laws I have the right to have and review those contracts if any. If they don't have them then it accounts must be deleted. If XXXX XXXX did supply the bureaus with any information they did so under a ceased and deist order with was sent certified mail on XX/XX/2021 and again XX/XX/2021. If such information was provided under this order that is grounds for District Court with XXXX XXXX and all 3 credit bureaus for obtaining medical information without my consent. At this point I was these account deleted not updated and I will seek damages of $XXXX per violation per company (XXXX XXXX XXXX, TransUnion, XXXX, and XXXX. Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act (including but not limited to Section 807-8) Violation of the Fair Credit Reporting Act (including but not limited to Section 623-b)

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 2022-08-01
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: Was not notified of investigation status or results

Complaint:
Hi! My name is XXXX XXXX, Ive just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have looked over my credit report and there are fraudulent accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, XXXX XXXX did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Unless your consumer reporting agency is able to provide me, XXXX XXXX who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for an investigation with the creditors/furnishers before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are in dispute, especially since I, the consumer DID NOT request for these accounts to be disputed but blocked, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity which is my license and proof of address. The fraudulent accounts that need to be blocked are listed below. 

XXXX XXXX XXXX US DEPT OF EDUCATION/XXXX US DEPT. OF EDUCATION/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 explanation
Consumer complaint received 2021-09-01
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo Bank Wells Fargo picks and chooses when they are going to charge overdraft fees and when they are going to pay a bill or not. I will go to sleep and my account it positive and there is enough to cover pending charges. Then all of sudden days later the date of the charged is changed and I have been charged an overdraft fee. They have recently even had notices within the app that says your balance amount may not be accurate. In this unprecedented time I don't feel like Wells Fargo wants to see it's customers succeed. I have a second chance checking account and because of some hardships I am limited in who I can bank with. I feel like Wells Fargo takes advantage of the underprivileged. When I spoke to Wells Fargo representative they lacked empathy and professionalism and did little in the means of acknowledging my concerns. The spokesperson I spoke with name was XXXX. You would have thought I was taking money out of her pocket by the way she addressed 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 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XX/XX/XXXX Loan XXXX Incorrect late payments being reported Per FTC and CFB I am writing to request the below information being reported on my credit report to reflect on time from XXXX to XXXX A PMAP application was submitted and the back did not respond in rime. For 8 months after being unemployed for over a year I went back to work and made monthly payments for 8 months. I was never contacted By phone or email during that period of time and then after eight months a litter of foreclosure was sent. The bank has since removed the foreclosure notice but the information stating the loan was grossly past due must be resolved immediately. It is harming my chances of fair credit approval and causing debt.. 
The following need to be removed : 120 days past due as of XXXX XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX Please investigate this matter with XXXX XXXX  XXXX Pa XXXX and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( s ) as soon as possible. 
Sincerely, 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 2021-08-03
Company: ECMC GROUP, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-10-02
Company: TD BANK US HOLDING COMPANY
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: MD
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 sent a letter off XX/XX/2022, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through USPS : XXXX : XXXX Equifax : XXXX XXXX : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate.

These are clear violations of my federally protected rights. 

Accounts Account Name : XXXX  XXXX Account Number : XXXX The date last active day is wrong. 

Account Name : XXXX Account Number : XXXX This is not my account. 

Account Name : XXXX XXXX Account Number : XXXX The date last active is wrong. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX  FINAL BILL ) Account Number : XXXX Not my account. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Numbers : XXXX XXXX None of these are accounts were mine.. 

Also, I have some personal information that needs to be addressed as well. Can you please investigate and remove these names as well? It should only be as listed at the top of this letter. 

Wrong Names : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Wrong Addresse : XXXX XXXXXXXX XXXX  XXXX, MD XXXX Wrong Employer : XXXX XXXX Current Employer : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
While on forbarance and struggling with the affects of XXXX. Our loan was sold from Wells Fargo to a new servicer. Both my husband 's and my job was affected by covid. Both of us had XXXX  along with our kids 1 of which was hospitalized for sometime as he has other very serious medical conditions as well. 

When I called today to start moving forward during this trying time they advised me they could not help me and the mortgage was sold. I have received no notification on the loan being sold and no information on how to even move forward to get help with this loan.

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 2021-09-01
Company: Mr. Cooper Group Inc.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
About 4-5 months ago, when I checked my accounts, my bank account showed timely mortgage payment transaction ( usually near the due date ), but my mortgage account with Mr Cooper did not post the transaction. I talked with representatives of both my XXXX XXXX  and Mr Cooper separately. Mr Cooper employee acknowledged that the check was received, but not cashed and posted in my account. He mentioned that I have no fault since they received the check and it is their internal issue. He did not send me any proof to verify his statement even after I requested. However, I continued my payment on time. I did not check my statement every month as I knew there was no issue. Recently, I checked Mr. Cooper account and was surprised that I am due $ XXXX instead of {$2300.00}. I started looking older statements. The XXXX statement assessed a fee of {$49.00} and XXXX statement assessed a fee of {$92.00}. Cooper increased my due amount to {$4700.00} without any reason since XXXX XXXX Cooper did not post my XX/XX/2021 payment ( refer to bank 's bill pay PDF ) on XXXX statement. There is no reason why it assessed {$49.00} in XXXX and {$92.00} in XXXX. I called them 3 times in the last 2-3 weeks. Customer services are useless. They can only speak " contact your bank, you did not pay your last payment ''. This seems to be their memorized sentences. I wanted to send them proof of bank transactions, they do not understand those. They even could not access my current and previous statements. it seems they could not see my XXXX fee of {$49.00} in their transaction list. 

what I find is that Mr. Cooper is providing false statement and increased my due without addressing their own problem of loosing check or skipping transaction history. I have attached my bank 's bill pay history. They do not have anyone who can communicate with client to verify transactions. 

Mr. Cooper 's accounting manipulation shall be stopped. I want Mr Cooper to fix my account as soon as possible and revise all past and current statements by removing fees. If Cooper misplaced a check or did not cashed that shall not be my fault as their representative mentioned. Mr Cooper should be able to find my older conversation with their representatives which took place 4-6 months ago. 

Last year, I had to fire this mortgage company for refinancing another house because Mr. Cooper could not close my refinance even after 6 months. The worst mortgage company in the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: PA
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 have looked over my credit report and there are fraudulent accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, XXXX XXXX did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Unless your consumer reporting agency is able to provide me, XXXX XXXX who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for an investigation with the creditors/furnishers before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are in dispute, especially since I, the consumer DID NOT request for these accounts to be disputed but blocked, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity which is my license and proof of address. The fraudulent accounts that need to be blocked are listed below. 

XXXX XXXX XXXX US DEPT OF EDUCATION/XXXX  US DEPT. OF EDUCATION/XXXX

Company response to consumer: Closed with explanation