BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-09
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Harassing Phone Call received from XXXXXXXX XXXX XXXX ( Phone # XXXX ) on XX/XX/2020. At XXXX MST  Phone rang twice. Caller hung up as soon as I answered. 
XXXX XXXX XXXX is representing Barclays Bank Delaware, in an attempt to collect a debt.

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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The consumer reporting agencies ( Transunion, XXXX and XXXX ) has violated XXXX XXXX XXXX ( XXXX ) ( XXXX ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR TRANSUNION, XXXX OR XXXX TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! 

XXXX. XXXX & XXXX - Acct # : XXXX XXXX. XXXXXXXX XXXX  XXXX -Acct # : XXXX XXXX XXXX XXXX - Acct # : XXXX XXXX. XXXX XXXX - Acct # : 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 non-monetary relief
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX 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 an 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 2022-07-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The consumer reporting agencies ( XXXX, XXXX and Equifax ) has violated XXXX XXXX XXXX ( XXXX ) ( XXXX ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates! I, XXXX XXXX AS THE CONSUMER HAS NEVER GAVE ANY CONSENT FOR XXXX, XXXX OR EQUIFAX TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! 

XXXX. XXXX & XXXX - Acct # : XXXX XXXX. XXXX XXXX XXXX -Acct # : XXXX XXXX XXXX XXXX - Acct # : XXXX XXXX. XXXX XXXX - Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: OH
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After reviewing my credit profile I saw there were discrepancies listed that were not authorized by me or made by me. This is negatively impacting my credit score.

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 2023-04-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I HAVE NOTICED THAT I HAVE BEEN NOTIFICIED THAT I HAVE OVERDRAFT MY BANK ACCOUNT SEVERAL TIMES, WHEN I AM AWARE THAT I HAD FUNDS IN MY BANK ACCOUNT. THIS HAS OCCURRED SEVERAL TIMES SINCE I OPENED MY BANK ACCOUNT WITH WELLS FARGO.

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 2021-08-26
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
on XX/XX/2021, i sent letters to XXXX  and equifax about the inaccurate items as well as the unauthorized inquiries reporting on my credit report.i sent it off usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXXthese negative items are stopping me from getting a home and car, plus added XXXX  causing me to go to the doctor more for medication

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX violated my rights. 

In accordance with the Fair Credit Reporting Act 15 USC 1681 & Fair Debt Collection Practices Act 15 USC 1692 XXXX XXXX XXXX acct # XXXX, has violated my rights. 

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that any debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1682. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Experian Information Solutions Inc.
State: GA
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:
EXPERIAN AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING THIS FRAUDULENT ACCOUNT : XXXX XXXX XXXX I XXXX ON MY CREDIT REPORT.

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 2020-03-09
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Complaint regarding Experian 's manner of handling, specifically, their non-functioning website and phone system. I was attempting to lift a fraud alert that was placed by all three credit reporting companies. It was easy to lift the alert with XXXX  and with XXXX. They are to be commended for their customer service. However, it was near near impossible to resolve the issue with Experian. There is no logic or reason. Their internet website is a never-ending loop. The option to send a complaint form over the internet and to load supporting documentation is a test in insanity. It took 5 attempts to type in the initial information to get to step 2 to load the documents. After loading the PDF documents successfully, a message was received that documents could not be loaded properly, and sent me back to step 1, to the original blank form to type in initial information again. Their contact phone never gives you a chance to talk to a live person, just a looping never-ending voice mail directory. After battling with all of this technology and persistently choosing all of the applicable options, Experian directs you to send written correspondence by mail. A complete waste of 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 non-monetary relief
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: FL
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 ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXXXXXX XXXX  ACCT # 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 2020-03-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Built a new home on an empty lot. After a recent assessment taxes increased. I received a letter from Lakeview Loan LLC that there was an escrow shortage. I first tried to have the escrow account removed from my loan and I would pay the taxes and insurance on my own as I already pay my homeowners insurance in-full for the year. Lakeview denied my request. Lakeview gave me 2 options ; a ) pay the escrow shortage in-full by XX/XX/2020 XXXX {$2400.00} XXXX and our payment would increase from $ {$2500.00} to {$2800.00}. OR option b ). Not pay the escrow shortage and our payment would increase from {$2500.00} to {$3000.00}. 
I paid the escrow shortage IN-FULL on XX/XX/2020. 
My XXXX payment was received BEFORE XX/XX/XXXX and Lakeview has my payment @ {$3000.00}. 
MY PAYMENT SHOULD HAVE NEVER EVER EVER BEEN {$3000.00}. The shortage was paid in-full under the terms that Lakeview provided to me.

I have been calling, writing, speaking to Lakeview and no one is willing to assist me. Lakeview is not handling my payments correctly. I have lost all trust in Lakeview. 
I spoke to supervisor XXXX # XXXX on XX/XX/2020 and she promised me a call back and to get the problem resolved. Liar. I spoke to supervisor XXXX # XXXX on XX/XX/2020 ; promised to correct this problem and also a call back. Liar! 
I work hard. I pay extra every single month on my mortgage. Lakeview is not distributing my money correctly. 
Im disgusted with their complete and blatant disregard of respect and customer service.

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 2023-04-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted information and I want it all removed.

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 2020-10-27
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been served a notice by Transworld Systems, Inc that they are going to collect {$620.00} from me. They state on their letter they are working on behalf of XXXX XXXX XXXX XXXX XXXX and the former creditor was XXXX XXXX. I have never done business with XXXX XXXX XXXX and am not certain what this is about, but due to the former creditor, I suspect it has to do with my time in XXXX, TX. In the fall of 2012, I worked for the XXXX XXXX XXXX XXXX, XXXX, TX and was assigned housing belonging to the school district. When I left the job in XX/XX/2012, I closed out the accounts associated with the housing, including the utilities. I did this in person in their offices. Later, I was notified by the utility that I owed them several months worth of electric bills for a period of time after I had left the premises and was no longer in the housing. I contacted them and let them know that this was not my debt and the problem was they had multiple addresses for the same houses and had mistakenly assigned this debt from another house to me. The assured me at the time they had cleared it up and I have not heard anything more about this issue until now. It is their responsibility of TSI and XXXX XXXX XXXX to verity the accuracy of any efforts to collect a debt before sending out letters such as this. I am notifying the company, in writing, that I dispute this debt and will also notify them that I have filed a formal complaint against them. I have attached a copy of the letter they sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019 we were advised by Annie Mac Mortgage representative, XXXX XXXX XXXX, that our loan was ready to close. Our closing documents were sent to us which listed our Cash to Close as {$1300.00}. My wife, XXXX XXXX, and I signed the paperwork and sent it to Annie Mac and the Title Company, XXXX XXXX XXXX. We were advised to wire the money on XX/XX/XXXX once the title agent sent us the information. On Monday XX/XX/XXXX at XXXX hours, we were advised by the Title Company that Annie Mac was sending over new closing documents to correct the Cash to Close. We were told the amount had increased to {$6300.00} and given wiring instructions. We were not given the mandatory 3 business days to review the change in closing costs associated with the loan and expected to wire the money by XXXX hours that same day. Our Mortgage Broker, XXXX XXXX, had assured us that the mistake was a " massive clerical error '' and that they would " do the right thing and give us the {$5000.00} as a principal adjustment after closing. They said the amount increased because they had us signed up for the " wrong program '' that also required " more seller cash to close. '' Upon reviewing the closing documents closer, there is a {$3500.00} seller credit removed from one set of closing documents to the other. We wired the money under the instruction of the Mortgage Brokerage and Title Agent, with the understanding the $ XXXX increase would be applied post close to the principal. Since closing, we saw no principal adjustment and when finally pushed, were given a {$1700.00} adjustment and instructed " that was everything we owed you from the program. '' In Summary : Closing Costs Raised by $ XXXX 16 hours before closing and three hours before deadline to wire money. Promised $ XXXX increase as principal adjustment by brokerage. Given a {$1700.00} adjustment and told they owed us nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I request the CFPB launch an investigation into Wells Fargo handling of their remediation program, specifically payments covering damages caused by unauthorized accounts, as well as their handling of missing payments. I've been filing numerous complaints regarding two missing payments from their remediation program, which are inadequate, do not cover damages sustained, as well as their reporting of payment ( s ) to IRS, for several months now ... Wells Fargo reps reply by verifying address sent to which I moved from prior, in which case I was not living at time of issue and nothing received. They also reply by showing checks cashed in which case, not by myself as again, I was not living at address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX, at the time.. I moved in XXXX of 2020, I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX. The documents/payments were sent after in XXXX of XXXX The payment amounts, XXXX as well as XXXX, do not cover damages to credit and loss of interest on deposits which could have been made, if I were able to open accounts had information not reported to consumer reporting agencies. Wells Fargo rep ( s ) supposedly removed information from XXXX XXXX XXXX, however, did not offer adequate payment amount for sustained damages. They replied in re by referring to letter agreeing to XXXX payment amount which was not signed by myself, it was sent to old address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX, after I moved in XX/XX/2020. It appears payment amounts of {$3700.00} and {$500.00} were also intercepted, signed by person ( s ) now residing at address, which I have detailed in prior complaints ... .Wells Fargo reps reply again by verifying address sent to which I moved from prior, show checks cashed in which case not myself. It appears the extent to Wells Fargo replies solely includes verifying address sent to and checks cashed, will not offer adequate settlement amount which includes missing payments.. Further, they have not corrected IRS reporting of payment ( s ), it appears amount of {$3700.00} was reported to IRS in 2020, I received a form 1099 showing amount plus estimated IRS taxes for tax year : 2020.

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 2016-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I wanted to close XXXX Bank of America IRAs ( with all funds in a money market account ) and transfer the funds to a XXXX account. According to XXXX, rather than a notarized signature, Bank of America required a " medallion signature guarantee '' in order to transfer the funds. As I understand it, this is a specialized service that should only be required for complicated securities transactions. However, Bank of America requires it for all IRA transactions, even though in my case the entire balance was held in a money market fund. Moreover, Bank of America does not provide this service at its own branches. Some other banks do offer this service, but only to their own retail customers. Luckily, after an afternoon of trying every bank in town, the bank that owns our mortgage agreed to provide the " medallion signature guarantee. '' This seems like an unnecessary barrier erected by Bank of America that makes it harder for customers to leave.

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 2022-03-16
Company: Consumer Portfolio Services, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation