BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-16
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I chose to receive a Way2Go debit card through my unemployment claim, I filed on XX/XX/2020. It has been over 10 days since I have applied and requested my unemployment debit card. I have tried to call the card company to file that I have not received my card, however it will not let me proceed without a PIN number, I do not have a pin because i have yet received my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act Convergent account below 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 instruction. 

XXXX XXXX XXXX Paid in Settlement ( closed ) XXXX XXXX XXXX XXXX** Late payment ( s ) ( closed ) I have asked the credit bureau of a thorough investigation of my credit profile and they did however they only validate that an account was once open. My initial complaint is not to validate an account, however, to question the thoroughness of the investigation and also i still found improper inaccuracies upon their initial response. The improper accounts use are as follows : XXXX XXXX XXXX Paid in Settlement ( closed ) XXXX XXXX XXXXXXXX XXXX Late payment ( s ) ( closed )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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:
In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX ; XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXXXXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX Account XXXX 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 2016-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I have been working with Bank of America regarding whom submitted Duedilligence letter to county recorders as provided by XXXX XXXX XXXX. 

In XX/XX/XXXX Due-diligence letter is not accurate/untrue RECORDED XXXX page XXXX CALIFORNIA XXXX XXXX XXXX XXXX XXXX XXXX as page XXXX of Notice of Default and Election to Sale check date, phone number and address - its at the same time as approved modification I was not contacted at no time by the person whom signed recorded document I had XXXX accounts with Bank oF America I was in constant contact with Bank of America throughout XX/XX/XXXX-XX/XX/XXXX XXXX modification was complete and my second home was not due-dilligence letter does not work with time line i was working on first modification when due-diligence letter was recorded Bank of America contacted me and explained new program allows a modification to second home my understanding modification documents were never uploaded to second account in error I am the same customer the completed modified loan spelled my name with no space and the other loan had a space XXXX vs XXXX I provided to Bank of America funds that was stolen by a third party for mortgage - Bank of America to date has not responded. 
XXXX XXXX to date has not confirmed was the foreclosure n XXXX XXXX or XXXX XXXX - XXXX TDUS is recorded and neither can be verified Which raised more questions regarding notaries from XXXX XXXX during XXXX alleged proper foreclosure SUBSTITUTION OF TRUSTEE - NOTARY XXXX XXXX - NO RECORD FOUND recorded document XXXX bonding company Merchants Bonding CORPORATION ASSIGNMENT OF DEEDS OF TRUST - NOTARY XXXX XXXX - NO RECORD FOUND recorded document XXXX bonding company Merchants Bonding TRUSTEES DEED UPON SALE - NOTARY XXXX XXXX - NO RECORD FOUND document XX/XX/XXXX XXXX bonding company Merchants Bonding TRUSTEES DEED UPON SALE - NOTARY XXXX XXXX XXXX - NO RECORD FOUND document XX/XX/XXXX XXXX bonding company XXXX XXXX XXXX QUIT CLAIM DEED TO INVESTOR WHOM RESOLD MY HOME WITHIN 30 DAYS AFTER PURCHASE AND EARNED INCOME - NOTARY XXXX XXXX - NO RECORD FOUND document XXXX XXXX bond company XXXX CERTIFIED NO RECORD FOUND PROVIDED BY COUNTY RECORDERS XX/XX/XXXX-XX/XX/XXXX it appears to be FRAUD and VOID on its face. 
The majority of notaries worked for XXXX XXXX - BAC division of Bank of America The notaries are unable to be located directly - ALL NOTARIES ARE NO LONGER REGISTERED AS NOTARIES - ARE THEY REAL PERSONS? 

One notary according to bond company was located XXXX XXXX - however XXXX XXXX never responded to me directly.

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 2015-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
There were fraudulent charges made on my account that was n't me and I kept explaining to Bank of America I was n't responsible for these charges and I never write checks. Apparently someone wrote checks in my name that I was unaware about and they were charged to me anyways. I recently paid the account which they told me would come off and never did so they really lied to me about it just to get my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
XXXX  ; XXXX  and Transunion should not be reporting a chargeoff in the amount of {$970.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was XXXX and on XXXX XXXX. My wife had power of attorney and she called XXXX to make payment arrangements on this account however, the representative she spoke with told her that she did not have any authority to discuss any matters regarding this account on my behalf because she was not listed on the account. This is completely false. Power of Attorney gives her the legal right to negotiate on my behalf regarding financial matters while I was XXXX. We used the entitlements listed in The Servicemembers Civil Relief Act ( SCRA ). The SCRA clearly states if any of the benefits under the SCRA are used : The delay of payments wont reflect on a credit report. This false reporting of a chargeoff is seriously harming my credit score. Consequently, this account needs to report a {$0.00} balance and/or be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2019-12-19
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity Bank increased my monthly payment by {$1.00} without my knowledge ( I was hospitalized when I made a payment online ) and has since charged my {$250.00} in fees for this {$1.00} mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This payday loan was opened back in 2012. I joined a payday loan support group shortly thereafter. To my understanding, the support group sent out validation letters to all the payday loan companies that I had done business with. No letters came back proving that these loans were valid in Florida. Since then I have been contacted by phone calls at home and at work. And now this has shown up on my credit report in collections. I tried contacting the payday loan support group that I joined but they are no longer in business.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We got XXXX XXXX tax forms from HFC with XXXX sets of numbers, I called HFC and they told me that their company has sold all their mortgages to a company called XXXX XXXX. so I explained that I should call this company they proceded to tell me that they have n't received any paperwork from HFC that we would have to wait at least 3 weeks or so I explained that we were doing our taxes because we were going XXXX and needed to get them done, he said that wasent their problem, I explained that I spoke to the IRS and they told me to send in our taxes and I explained that if we were audited that they would be responsible because this is what the IRS told me to tell them the gentleman from XXXX XXXX told me to get a lawyer.he was very nasty.When we got a mortgage loan in XXXX from HFC they took out XXXX for our loan payment everyweek through XXXX.they told us if we pd weekly that we could pay the loan off much quicker, then we purchased a new vehicle in XXXX XXXX and financed that loan through XXXX in which HFC ended buying them out then HFC bought out XXXX out.So that is how HFC ended up with our car loan.We did not know this until we went to sell the vehicle that HFC had purchased XXXX, but HFC did not keep the accounts separate they added the car loan as a remortgage, So that is why they still have us owing XXXX for a house mortgage.Then this past XXXX they added XXXX XXXX XXXX to the same loan for taxes, we always have paid our own taxes, we did n't have escrow.They ended up paying somebody elses taxes and added it to our loan.The family that they pthey said they paid the taxes paid their own taxes, they are n't even mortgaged through HFC.This has been going on for years.I am about ready to stop all paynents to this company.They have scammed people over and over, Thant is why they are probably going out of business.We are about ready to get an attorney.I asked for the document from XXXX to now I got the documents for every month except the month of XXXX XXXX those are the documents I asked for and have asked for for years and they have n't sent them.Everything I have faxed to them they said they never received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2022, opened a small business account for my sole proprietorship in response to an advertisement offering {$200.00} bonus for opening account, depositing {$1500.00}, and accessing online banking within 30 days. Upon attempting to register for online banking, received multiple error messages, so decided to call the online banking helping phone number on XX/XX/2022, where I was advised that I would have to visit a branch to establish online banking. I therefore set up an appointment at the XXXX XXXX XXXX for XXXX XXXX ET on XX/XX/2022. Upon arrival, I was advised that only XXXX banker was available and there were XXXX customers waiting and was asked by the teller if I wanted to wait or come back, of which I declined both stating my existing appointment. I find this level of service unacceptable and an obvious hinderance to receive the opening account bonus.

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 2020-06-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
FTC XXXX Opt-Out Form Confirmation XXXX Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet XXXX credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 
Should you have any questions regarding this confirmation notice, please contact the XXXX Privacy Hotline at XXXX. 
XXXX XXXX {$540.00} XXXX {$9000.00} XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX inquiries XXXX {$540.00} XXXX  {$400.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: WLCC
State: HI
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Lender WLCC XXXX/DBA Arrowhead Advance is charging interest rates in excess of State of Hawaii lending regulations. WLCC XXXX is a company registered in California with XXXX XXXX listed as its CEO/CFO and the sole Director. Additionally WLCC XXXX has a mailing address for payments in Delaware where it is hiring loan processors. Additionally a XXXX search of XXXX XXXX shows his involvement with the XXXX that more then likely gets a tiny portion of the loan with a substantial amount of the loan going to WLCC XXXX. 

WLCC is not a licensed lender in Hawaii. WLCC XXXX is using its relationship with the XXXX XXXX XXXX to avoid state lending laws by taking advantage of the XXXX sovereignty. Considering that WLCC XXXX is a California registered company, and has loan processing and payment operations in Delaware it is not a true XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX IN account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX ; XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account XXXX XXXX, XXXX XXXX XXXX  account XXXX XXXX, XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX Account XXXX 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 2020-06-16
Company: AVANTE
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX my debt collections account was dispute and close by XXXX  report. The amount was {$1000.00}. And that bill was for XXXX XXXX XXXX  XXXX for XX/XX/XXXX. AVANTE USA  debt collection had written me a letter saying that I need to pay the amount shown above to their company or they will put this on my credit report. This is a bill that was dispute by me to XXXX  for XXXX  XXXX XXXX XXXX and it was closed and removed by XXXX  on XX/XX/XXXX. AVANTE USA does not have the right to reopened a bill that was dispute and closed by XXXX  XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX sold my mortgage to a mortgage company called PennyMac out of XXXX XXXX, California. My account had been delinquent with XXXX when it was sold. I was catching my mortgage account up by paying XXXX payments around mid XXXX and XXXX turned over the last payment that I paid before the loan was sold, that made XXXX payments that was received this month, on the XXXX of XXXX I sent another payment, that 's XXXX payments, which only left me due for this month, XXXX. I got home this afternoon XXXX XXXX XXXX XXXX the mortgage company Pennymac had come to my house and left a sealed envelope with my name saying confidential on my front door, with the same information that was sent to me in the mail from them. Why do they need to come to my house, this is not a rental house and I did n't expect to be harassed by my mortgage company. Would this be because I 'm a woman and there is only XXXX name on my mortgage which is mine and it makes me an easy target. I just talked to my assigned representative yesterday over the phone and she noted my account for the last payment I sent. My mortgage is due for this month ( XXXX ) and Pennymac has already decided to be a thorn in my side, needless to say how upset I was about this, I called them and the only thing the rep told me was he would notate my account. If the mortgage company is making contact with me why are they coming to my house? Do n't appreciate this kind of business ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: The Westmoore Group, LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
COMPLAINT - XXXX XXXX, XXXX RE : Lender refuse to respond or accept mail demand for pay-off and payment history request for my " High Cost '' mortgage loan. Which is preventing me from Refinance for over two ( 2 ) years. 
I have made several complaints since XXXX about this Lender violating my rights under RESPA, TILA, HOEPA and GAFLA. Because the law are strict and I did not file my complaints within 12 months of me receiving the mortgage, XXXX has gotten away with violating the law repeatedly. 
Additionally, when I file my complaint with your office in XXXX prior to the enactment of the new laws, because he was a small lender, you stated a lot of the laws did not apply to him, so he continued to abuse my rights as a consumer. 
See attached document for full complaint with attachments

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was XXXX at the time of the collection and did not have anything owed to in my name. This is a mistake and is hurting my credit. I do not have an account with XXXX.

Company response to consumer: Closed with explanation