BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: WI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX, Account name : XXXX XXXX XXXX XXXX XXXX A Account number : XXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account Name : XXXX Account XXXX : XXXX, Account name : XXXX XXXX  Account number : XXXX, & Account name XXXX XXXX XXXX Account number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: BB&T CORPORATION
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
My wife and I were vacationing in XXXX XXXX XXXX for the 1st time XX/XX/XXXX. We attended a presentation for XXXX XXXX on Monday, XX/XX/XXXX and purchased a timeshare. The next day we were at the marina and speaking with someone at a booth. He sold different excursions like for fishing trips and such. Of course, he asked us we had been to any presentations and we said yes and told him we had purchased a timeshare at XXXX XXXX. We also told him we were having second thoughts about the purchase. He told us that by law we had 5 days to cancel. He also told us he could set us up at another presentation with a vacation club and they would purchase our timeshare and we would be able to have a membership and save a lot of money. We looked at our contract for XXXX XXXX and discovered that we in fact did have 5 days to cancel. Well, we should have just cancelled. Instead, the next morning we went to the presentation at a place called XXXX. This is a very nice area of XXXX with beautiful home overlooking XXXX. We were taken in a taxi to a very nice home. We were greeted by a very nice and professional looking woman who sat down with us and asked us to show her our identification and a credit card. This seem like a standard procedure as this happened when we went to XXXX XXXX. She proceeded to ask us a few questions and then introduced us to a gentleman by the name of XXXX. At this point, we are not sure if this is his real name. He started explaining to us how this vacation club called " XXXX '' would allow us the flexibility to use our money for a variety of different types of vacations. He told us that he would purchase our XXXX XXXX timeshare and we did not have to cancel. He told us that what we paid to XXXX XXXX would be applied to our vacation club membership. It all sounded too good to be true and as part of becoming members we would receive a two week vacation for XXXX. He wanted us to pay {$8000.00} but we told him that we could not. So, agreed to pay {$4000.00} and finance {$4000.00} for 12 months beginning XXXX XXXX, XXXX. He gave us the paperwork to look over and we had breakfast outside on the patio of this home overlooking a beautiful pool. We paid him {$4000.00} with a debit card. 
Last month we started getting emails from XXXX XXXX about our account. I finally called XXXX last Friday and learned that our timeshare had not been purchased or transferred. I looked at my paperwork for XXXX and called the toll free number. It is not a valid number. I called so called XXXX 's cell number. It is not a good number. I sent an email to XXXX and XXXX and both bounced back as invalid email addresses. Basically, all the information given to us was fake. A total scam. We have contacted our bank and are hoping to get the money bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: ASTORIA BANK
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a new checking account with Astoria Bank on XX/XX/2016 with an ongoing promotion. Even though I applied online I was asked to come to branch to finish account opening. Once in the branch I pretty much had to disclose all the information I already gave online again, I asked them to confirm {$250.00} bonus promotion for having direct deposit for XXXX consecutive months or XXXX bill pays/month for 3 months and they confirmed I am enrolled. They also mentioned I would receive a {$50.00} direct deposit bonus once I receive my first direct deposit. Surely I received my {$50.00} direct deposit bonus on XX/XX/2016. I kept paying bills using this account and also kept my direct deposits. Upon meeting requirements in XX/XX/XXXX I asked them when I would receive the {$250.00} bonus via a customer message and they told me that because I received a bonus already in XX/XX/XXXX I am not eligible. I explained that noone mentioned this when I was in the bank, if this was the case why was the direct deposit even an option noone would choose {$50.00} over {$250.00}. Asked them to revert the first bonus and instead give me the one I am already eligible for but I was denied. If I knew this would be case I would have avoided direct deposit all together.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18
Company: Amsher Collection Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have multiple apartments which I do not live in which I provide internet service for. I auto-pay for service, bills are sent directly to my home address, and when service is discontinued, I return equipment personally. Because I manage up to XXXX accounts, I am well versed with the low quality of work they do at their store, so I save all receipts. 

In this case, an account was paid in full and equipment returned. Several months later, with no communication regarding a passed-due amount, a new tenant received a notice in the mail ( only my personal address, not tenant address was used for this account 's billing so the new tenant getting my billing information is already in the weeds ) from Amsher, not XXXX Communications XXXX 

I contacted both companies. Amsher gave me a ticket number XXXX and said they would respond. XXXX also said they would respond. Neither responded but over the course of months have ignored completely the fact they are sending out incorrect notices to incorrect people at incorrect addresses. 

I have receipts proving the equipment that was returned is also the equipment they are sending out debt notices for. I received no information from XXXX regarding this account being passed due ( because it never was ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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:
I found improper use of my repot all are showing inaccurate on my report i need them deleted immediately and also need a copy of the original copy of the account send me a copy to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX asap In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right of privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a customer reporting agency can not famish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: PA
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 have been disputing 2 accounts that are falsely reporting on my credit reports for a year now ; I have never received the proper, legal verification that these debts are owed or that the account was late. XXXX XXXX XXXX is claiming that I have a charge-off but this was paid long ago but they're still reporting this! This should've been removed because it's obsolete and I'm no longer financially responsible for it! Then, XXXX XXXX XXXXXXXX is showing a late payment but has never provided proof of the actual late payment ( statement, when they received my payment and when it was posted, etc. ).

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 2022-10-18
Company: FMA Alliance, Ltd.
State: MD
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: Problem with personal statement of dispute

Complaint:
I received a letter from FMA Alliance , Ltd in XXXX Texas asking for payment for a bill that did not give me proper time to pay it. It's been less than 6 months since I was notified of the balance on an account where I went to an XXXX XXXX due to acute problems with XXXX. Extensive test were done, I was diagnosed with XXXX XXXX XXXX XXXX, which occurs frequently. I was sent to a therapist for treatment and put on medication to control the XXXX attacks. I am not disputing I owe the amount, but I am however disputing not being given enough time to pay the bill. My husband was recently diagnosed with XXXX as a well as being diagnosed with XXXX. His treatments, testing and medications are taking us to the poor house. We have a great amount of medical bills that I'm trying to juggle. It seems every little amount of debt is being put on my credit record, even before I can get them paid. It's very discouraging to be XXXX XXXX XXXX trying to balance having to go back to work to pay doctor 's bills and others intentionally trying to ruin my credit rating. I would like XXXX XXXX XXXX XXXX to remove this erroneous bill from my credit report and XXXX XXXX, who are the providers of my medical services for XXXX to refrain from sending damaging information that's causing destructive occurrences on my credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been trying to do a FHA refinance streamline mortgage since XXXX/XXXX/XXXX. I submitted every document that the processor asked for. Underwriting stated that I had an fraud alert on my XXXX credit report which was a ( consumers statement not an alert ) I was instructed to remove the fraud alert or add my phone number to the report, which was already noted on XXXX credit file ( phone number ), I faxed the credit report to the processor and the Loan Officer. I was then told it needed to listed on XXXX there 3rd party credit bureau. XXXX informed me there 's no area were they list personal ph numbers on there reports. XXXX back and forth trying to clear this last condition being told by processor and loan officer were n't not sure why underwriting will n't clear the condition. XX/XX/XXXX I was told this information and email notes would be forward to a supervisor and they will get back with me. It 's XXXX/XXXX/XXXX and I have n't as of yet received a call from anyone or refinance my loan. Where do I go for here interest rates are increasing!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX sold our mortgage to Select Servicing Portfolio and our first payment was to be sent to SPS by XXXX. Our payments were current when we were with XXXX but when the new company took over they stated we were a month behind. We sent the full payment to catch up the mortgage and they are still saying we are behind on our mortgage. We send weekly payments because my husband gets paid weekly. Before the sale our mortgage our payments were to be {$560.00} with XXXX and due XXXX but SPS is stating our payments are to be {$690.00}. They had our XXXX taxes as XXXX which was correct, until we requested a reanalysis, and SPS is claiming our XXXX taxes as {$1100.00} when they are only {$420.00}. New tax bills were submitted to them, at which time we asked for a Escrow Re-Analysis at which time they changed our XXXX tax amount to our winter tax amount but they are still claiming our winter taxes as {$1100.00}, which is over 4 times the amount they actually are. I have called several times and they refuse to get the tax information corrected. Please help us

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage has been totally messed up since XX/XX/XXXX. There are two payments missing from XX/XX/XXXX. Told me I would be approved for modification but they foreclosed me 6 months later after telling me I was denied one week before foreclosure. Forced to file chapter XXXX to save home. Could n't afford payment so bankruptcy was dismissed. XX/XX/XXXX Wells Fargo contacted me saying I was now apvd for modification and in a panic I signed because it would save my home and remove my exhusband. After finding out my ex was not removed from original note I read the final papers that added in XXXX plus in fees with a balance {$10000.00} more than when I purchased home in XX/XX/XXXX. Now I face another hardship and durning mediation the rep for Wells Fargo wanted permission to go ahead with forclosure even though I had an app with XXXX. He stated I was going to end up having to file chapter XXXX anyway which was very unprofessional, sarcastic, and very untrue. I was given more time but this shows me Wells Fargo is not trying to help borrows they are trying to force everyone into chapter XXXX so they can add fees that should not or has not been needed. I received a letter stating I was charged almost {$4000.00} on XX/XX/XXXX for forclosure attorney fees. We did not go to mediation until XXXX and I was given 60 days at this time. After all the lawsuits ; this lender is still performing illegal lending practices and breeching privacy due to providing my ex with the history of payment when he is NOT on the deed of trust or mortgage loan, just the note.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX discriminated against me because I am an XXXX American woman. They falsely reported my car payments to the credit bureaus as being in default and their illegal repossession of the vehicle after all my payments were current! I no longer wanted to do business with this scamming company and I paid off the loan and cut ties to them! Since XXXX they began reporting false negative payment history on my credit reports! I have disputed this and to no avail nothing gas changed! XXXX with their ongoing discrimination and targeting XXXX American customers reported to credit bureaus fss as law information they even reported I took my lisn through XXXX XXXX XXXX to cover up their discrimination towards me and to ruin my credit! To this date I am unable to get a place to live because of XXXX false information! The credit bureaus refused to remove this false information off my credit report! I never signed any loan documents for XXXX XXXX XXXX! XXXX did this to cover up their fraud and discrimination and not posting my payments on my account in an accurate way. I am facing homelessness due to XXXX XXXX XXXX ruining my credit! I do not owe them I paid off the loan in XXXX and sold the car in XXXX! I need help to get compensated for what XXXX XXXX predatory lenders did to me! I was charged a higher interest rate because I am XXXX American and they mishandling of my account plus their false information to the credit bureaus that I took a loan out under XXXX XXXX XXXX to cover up their discrimination and fraud! Please fine them all in lithe Credit bureaus. 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 non-monetary relief
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: LA
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 feel so stress about my credit report. I've sent disputes last XXXX regarding to those unknown and inaccurate accounts on my credit report but it's 90 days now but there's no response yet. I demand to immediately DELETE those accounts or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I believe Amex is not acting in the spirit of an unbiased arbiter in my dispute ( as mandated by the Fair Credit Billing Act ) with XXXX, because of its commercial relationship with the merchant. I am fearful of the eventual final outcome of this unfair process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/22 I had XXXX check deposited into my bank account. The funds were fully available to me and I made a credit card payment of XXXX dollars. On XX/XX/22 they charged the check back and made my account negative. They are now holding two of my checks and a cash payment from the government and say they can't tell me when it will be available.

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 2020-04-18
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX  is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft

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