BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-02
Company: International Computer Systems, Inc.
State: GA
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:
FIRST COLLECTION SERVICE Reported : XXXX. XXXX, 2020 {$110.00} There are no contracts, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I lost employment in XXXX XXXX and can not work due to an injury on that same job in XXXX XXXX. I contacted my mortgage company to apply for a Modification. At the time My income was over {$XXXX} per month for three months ( until my contract as a XXXX ended ). I explained that after that time my income would end and I would be on Workers Vompensation insurance. I did receive a Modification that reduced my mortgage payments from just over {$1200.00} per month to about only {$1100.00} per month. After one year, XXXX XXXX, I called again to see what help I quaualified for and was told that I 'could n't get another modification within two years '. I told them that I did n't think that was the law. I was also informed that I would be considered for forms of help. The result was I did not qualify for any help from Wells Fargo Mortage although I have been a mortgagee for over five years had a good payment history for those years. I informed my representative that I was unhappy and believe they trying to force mebintonforecliser. I am XXXX years who have divorced for over 13 years. So, I needed the temporary help until my injury is treated and I return to the workforce. I am very displeased that they dropped my mortgage payment about {$100.00} after the Modification. However, when I contacted them in XXXX XXXX I was seeking temporary help until I was able to return to work. However, I was asked about selling on a short sale and other questions that led me to believe they rather force me to foreclose. Sine, that time, I have received letters demanding that inpay XXXX payments or more at a time to catch up. I told the representative that I could stay near caught up ( XXXX payments behind ) until such time as I file for my income tax refund in XXXX XXXX. Although the company when through all the protocol required to help me, I feel that their intent was not to consider me for another Modification, nor for other help. They continue to ask if I want to keep my home as a standard question. I have always told them Yes. But, I do n't believe that they are theists rested in helping, even temporarily. I need for them to help me with lowering my payments for as long as it takes me to get on my feet from the injury.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo Home Mortgage is listed on my credit report for all XXXX credit reporting agencies as a Deed In Lieu. The open date for this account is XX/XX/2007. This credit item exceeds the allowed statue of limitation time frame for the state of Alabama and should be removed from all XXXX credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX, Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recieved an adverse action letter after applying for a credit card with PayPal. The letter informed me that I was denied credit because there is an identity theft freeze on my consumer report with XXXX. What law requires a credit check or credit score for an consumer 's credit to be extended to them? I was denied my right to credit and the equal opportunity thereof which has caused me headaches and added day to day stress because I am unable to use my credit to attain my families needs.

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 2017-03-07
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged {$72.00} on XX/XX/XXXX in NSF fee 's because XXXX items posted while another was in pending status, even though those XXXX items came into the bank first. They will charge fee 's any way possible and are not consistent about the way they post items and charge fees.

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 2022-04-14
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Self Financial Inc.
State: WI
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:
Self reports late payments on mr credit report but with another person social security number. I called so they can remove the information off my credit report since its not me they told me no. I gave them my information and they verified it doesnt match the account information, so why put it on my credit account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Comerica
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
This is an emergency, because for this is my only income ( Social Security Retirement ) and I depend on to pay my bills at the end of this month. 

No one else had access to the card. 

Debit Card stopped working on XX/XX/XXXX. 
I attempted to reach out to the company ( Direct Express ) on XX/XX/XXXX and was initially unable to connect with the customer service. Numbers provided to not accept calls from abroad ( including international line ). 
With the help of my nephew, I connected with customer service through VoIP ( local number ) and was able to contact a representative on XX/XX/XXXX. They informed that the card was suspended for fraud suspicion, and that the issue would need to be resolved by a level 2 technician. They transferred the call and no level-2 technician ever responded. 
I attempted to contact service representative again, and 3 times over, no one from level 2 picked up. 
Upon further attempts, the line would disconnect automatically upon entering my Social Security Number and was unable to contact a service representative. 
I There are no further options to contact the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made my mortgage current up to the date it was sold. I was promised that my credit bureau report would be updated to reflect it was current. I sold the home this last year, which was my ONLY way to catch up, and my credit still suffers because Wells Fargo has my last report as being 120 day late which is FALSE! They falsely lead me into such a dire situation that I ended up selling the home. They knew it and now I lost my home AND my credit was n't corrected per their promise. Wells Fargo has been an absolute predatory lending institute and I 'm glad it 's FINALLY being found out.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Recently started taking steps to repair credit started out with credit karma ( free ) saw a few results moved up to the big 3 trans union XXXX XXXX for more detailed and accurate reporting so they said had disputes not properly investigated numerous inaccuracys they knowing and willing gave me misleading information which worked against me.mislead into applying for lines of credit from lenders they recommended knowing that I had know chance of approval or just to make money of of my information but I have documentation to support any and all claims. Honestly all 3 and companies associated with them this is clearly a unified effort and culture

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 2020-04-02
Company: CITIBANK, N.A.
State: MA
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:
Citicard is charging me upwards of 24 % on a credit card I have with them. I called and asked for a rate reduction given the crisis we are in and the fact that I'm being given a pay cut at work. They declined my request. I find that a 24 % interest rate, for a customer with a 750+ credit score, a long history with the bank, and on-time payments, to be obscene and should not be allowed at this time.

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 2019-12-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Bank sent a letter stating that my home owner 's insurance had lapsed and that I needed to obtain insurance to avoid them forcing hazard insurance on the property. I secured an insurance policy immediately and sent them the information. In response, they said they were going to charge me for force-placed hazard insurance that they had not yet purchased but were planning to purchase for a time period that had already passed and during which no losses had occurred. I sent them a letter advising them that I object to this charge since it makes no sense to purchase an insurance policy for a period of time that has already passed. On XX/XX/XXXX, Wells Fargo allegedly purchased hazard insurance on my property for the dates of XX/XX/XXXX-XX/XX/XXXX despite having already received and confirmed receipt of my existing coverage, which was effective on XX/XX/XXXX. They then sent another correspondence saying they have refunded the amount due for XX/XX/XXXX-XX/XX/XXXX since the property is insured but that they are charging me {$1400.00} for the time period of XX/XX/XXXX-XX/XX/XXXX. This " coverage '' they are trying to charge me for was purchased on XX/XX/XXXX, which means it was purchased retroactively, which I believe is of questionable legality and certainly irrational. While they have added this amount to my mortgage balance, I plan to file a lawsuit and take this to court because I believe that they can not legally purchase insurance retroactively, particularly after having acknowledged that the property is currently insured. I believe there is something fishy about the relationship between Wells Fargo Bank and XXXX XXXX XXXX XXXX because why would an insurance company issue a policy retroactively unless there is some kind of collusion to swindle unsuspecting customers with this scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Today I received a letter from Wells Fargo Stating that our house is not qualified for FHA Mortgage Insurance Removal. I contacted wells several and explain the FHA rules in regulation regarding FHA Mortgage Insurance Removal, according to Wells Fargo agent ( XXXX ) he said were not qualified of removing our FHA Mortgage Insurance, According to their letter dated XXXX XXXX, 2016 " The mortgage insurance will expire is based on the original amortization schedule at the time of closing. According to that schedule, your mortgage expiration date is XXXX ( i ca n't find in the our contract ). You must also meet the 78 percent LTV ( loan to value ) requirement. Your mortgage will reach 78 percent LTV when principal balance reaches {$490000.00}. Your current principal is {$540000.00}. Please note that new appraisal will not be taken into consideration ''. The last paragraph stated " Please note the new appraisal will not be taken into consideration, this wrong statement. According to Federal Housing administration " one of the requirement can remove the FHA mortgage insurance based on new appraisal of the property ''. Now the value of our house is approximately {$10000.00} ( XXXX XXXX and XXXX XXXX thousands ). According to Wells Fargo we are not qualified to remove the FHA mortgage insurance and the appraisal will not be taken into consideration. Wells Fargo is wrong. I have the documents that I can prove that wells fargo doing is wrong, they are not following the rules and regulations of FHA procedure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had to visit the emergency room in XXXX of 2020. I was under the impression my insurance paid for the visit as I never received a statement or bill. Ive been trying to contact XXXX XXXX, a company that has purchased the collection debt I assume. Ive asked for written paperwork and statements showing I owe on this but Ive received nothing. Ive tried disputing through XXXX XXXX and I never get a response. Im trying to buy a house next year and need this off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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: Information belongs to someone else

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Original complaint case number XXXX. 
As I have explained in my response from Webster Bank I have given the information they requested five time - the last was to XXXX XXXX a supervisor with HSA Bank and the problem WAS NOT solved. I feel like Webster / HSA Bank can not solve the problem - this feels like how far can you lead a XXXX without a rope and I am the XXXX XXXX - Going through the same problem solving procedure five times with five different customer service people and still getting the same result of no access to my account DOES NOT SOLE THE PROBLEM. What do I do not???????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have attempted several times to resolve the issue of inaccurate/ fraudulent identity theft information on my credit report about a bankruptcy filing. I have asked Transunion to provide me with proof of the claim and nothing happened. I asked them to remove the inaccurate bankruptcy claim several months ago and I have been fighting with this situation for 6 months now. I referenced the Fair Credit Reporting Act and apparently it is being disregarded.

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