BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: January Technologies, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022 I checked my XXXX  credit report and noticed that I had a past due loan from affirm that was sent to collections. I did not take this loan out. This was fraudulent activity. When I tried to log in to XXXX, the account associated with my social security number did not reflect my phone number, email address, or physical address, but it used information associated with my ex-wife. I never received any notice of a debt accrued, nor did I receive information regarding my right to dispute the charges. I just caught the fraudulent activity today, XX/XX/2022 or else I never would have known about the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions 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:
in accordance with the Fair Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus states my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have right tp 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 2019-11-04
Company: Experian Information Solutions Inc.
State: TX
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 submitted a identity theft complaint, including the report number, an some of the accounts were deleted, but there were some that came back verified, but I have not recieved any evidence of the verification or who verified these accounts.

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 2017-09-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX  is reporting that I was late 120 day I was in deferment i should not be reported as late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
The Bank of America credit card got lost in the mail, someone stole it and used it On XX/XX/XXXX & XXXX to make some Phone and Hospital payments, the total was {$230.00}. I call them to cancel the card and make a claim, they issue a temporary credit on my account on XX/XX/XXXX & XXXX, but the person who fill the claim didnt state that the card was stolen, and as a result of this it was solved against me. They put back the charges on my credit card on XX/XX/XXXX even when they knew I did not make those charges. 

I call back again, and reopen the claim, making sure that they state that my card got lost in the mail and stolen. I never used that card. So they open a new claim, but didnt issue a new temporary credit. Then I receive the notice that my claim has been resolved and the temporary credit was now permanent. But there was no temporary credit on my account. 
I call back again, and they said to wait 5 days. So I wait, and nothing. 
I call back again, and they said to wait 48h. So I wait, and nothing. 
I call back again, and they said that in 48h theyre going to call me back to figure out when to give back the money, because they cant do anything. 

Bank of America refuses to give me my money back even after willingly accepting they made a mistake and I did not in fact spent it. 

They have stated in 4 different recorded phone calls I will get the money back in a certain timeframe, but every time they fail to do so, its almost like they just want to get me off the line and scrub this under the rug.

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 monetary relief
Consumer complaint received 2021-01-19
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had a Checking and Savings Account with Citibank Texas and at the beginning of XXXX they decided to close my account for reasons that remain unclear. Since that time I have called Citibank over 200 times requesting that they send me my {$26000.00} that was in my account. Each time I call Citibank, the customer service give a wide range of different and conflicting responses such as check was mailed out to you already or that it will be there in 3 business days. It is clear to me that for whatever reason Citibank does not want to release my funds. Therefore, I have no option but to expose them for their bad business practices.

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 2020-06-22
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX  ; Experian and XXXX  are not researching and properly reporting that the following accounts are in fact in dispute. XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; and XXXX XXXX partial account number XXXX. ( Please see attached. ) All of the collection accounts listed above are reporting account not disputed on my credit report. I have requested multiple times that these accounts be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.

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 2022-10-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX. I am the son of XXXX XXXX who was the owner of a property located at XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX. My mother passed away in XXXX of XXXX and left her estate in a living trust. She executed a Beneficiary Deed to transfer the subject property in to her trust upon her death. I am the Successor Trustee of her Living Trust. I had her power of attorney when she was living, but upon her death, the POA was void and I am no longer considered an authorized third party on her mortgage loan with Select Portfolio Servicing. ( Loan # XXXX ). 
The company is speaking with me about the property, but since XXXX of this year, they have not accepted the Living Trust and Transfer deed documentation that should allow me as the Successor Trustee, to become the authorized party ( Successor-in-Interest ) of my mother 's home. 
I suffered an injury and was off work for almost two years. I was able to keep up with my mother 's house payment until XXXX of this year when I fell behind. I went to the state of Missouri Homeowner Assistance Fund to request assistance since my mother 's passing was XXXX related. They have told me they will assist me to reinstate the loan but the mortgage statement must be in my name. The lender keeps asking me for trust documents that do not exist. My mother 's estate attorney set up her trust in order to avoid a probate. I have consulted with three other attorneys, all of whom have assured me that the documents we have provided the lender are in order. They do not understand why the lender will not accept the documents. 
In the meantime. the lender has filed a Notice of Default to foreclose on the home and as time goes on without any contact or assistance from SPS, my family home is now in grave jeopardy of being foreclosed upon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
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:
Equifax is in Non-compliance with the FAIR CREDIT REPORTING ACT BY REPORTING FRAUDULENT ACCOUNTS THAT I HAVE ALREADY SENT IN A POLICE REPORT ABOUT NUMEROUS TIMES, AND ALSO HAVE SENT IN A FTC AFFIDAVIT REPORT STATING THAT MY INFORMATION WAS COMPROMISED AND NEED THE FOLLOWING ACCOUNTS REMOVED BECAUSE THEY WERE DUE TO IDENTITY THEFT. NOT ONLY HAS EQUIFAX BEEN NON COMPLIANT WITH MY REQUEST AND THE FCRA! THEY ALSO HAVE BROKE ANOTHER RULE OF NOT VERIFYING EACH ACCOUNT, AND SHOWING DOCUMENTATION FOR 100 % PROOF OF COMPLETE AUTHENTICATION, VERIFIABLE PROOF! XXXX XXXX SENIOR VICE PRESIDENT, AND XXXX XXXX PRESIDENT OF EQUIFAX LLC, AND XXXX XXXX PRESIDENT OF U.S COMMERCIAL SERVICES AND CORPORATE CHIEF OFFICER OF EQUIFAX WILL NOT CONTINUE TO BREAK THESE LAWS AND GET AWAY WITH RUNNING OVER PEOPLE LIKE ME WHO SERVED THIS COUNTRY PROUD! I AM A PROUD VETERAN AND HAVE NO PROBLEM PURSUING THIS CASE IN SMALL CLAIMS COURT, AND ALSO JOINING A CLASS ACTION LAWSUIT! I HAVE ALREADY OPTED OUT OF THE ARBITRATION AGREEEMENT EQUIFAX HAD ME LOCKED IN TO!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Bureau, After I moved out from My previous apartment few month ago they sent me the XXXX moved out bill with unfair fee and fee not even suppose to charge on the XXXX moved out bill but the some transaction they owed me they never refund. After I received this billed i sent email attached the letter to explained and hope they will correct the amount in the bill then send me the correctly final bill while I am still waiting this collection company flag the collection this incorrect bill on my credit report. to correct the bill I filed the complaint with HUD already as the complaint attached I would like Bureau to help me dispute the incorrect bill from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Barclay Card Shut my Credit card down Without prior notice At the time they shut my credit card down I had over XXXX travelers points They can be redeemed for over {$1600.00} towards travel. after my account was shut down My rewards balance went down to 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 monetary relief
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX  ; XXXX  and Transunion are not researching and properly reporting that the following accounts are in fact in dispute. XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; and XXXX XXXX partial account number XXXX. ( Please see attached. ) All of the collection accounts listed above are reporting account not disputed on my credit report. I have requested multiple times that these accounts be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.

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 2022-07-19
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV FUNDING for committing theft. I never gave LVNV FUNDING permission to use my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to XXXX5 USC 1692c ( c ). I am demanding to cease and desist of all illegal activity, communication, and collection activity of this and any alleged debts until LVNV FUNDING can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV FUNDING continues its collection efforts, I will file for litigation for actual damages caused and LVNV FUNDING will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion pursuant to 18 USC 894, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: BB&T CORPORATION
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
on XX/XX/XXXX I received a call for a man saying he was XXXX with BB & T and it was imperative and in my best interest to call him back. Advised I needed to pay {$980.00} to avoid my mortgage going into foreclosure. I gave my savings account number but didn't have enough in it to pay so I was told to get XXXX XXXX XXXX XXXX card and I did. On XX/XX/XXXX for {$500.00} and On XX/XX/XXXX for {$490.00}. I called the direct number back XXXX and the number was no longer in service. After reviewing my cell phone messages this man has left me two threating messages from that number to call him. 
I have spoke to SLS and BB & T regarding this and either account has the payments posted. I need help tracking down this well needed money. Due to my account about to go into foreclosure. I am a single hardworking mother whom have taking over the care of XXXX little girls and keeping my sisters kids while she is working out of state. Please tell me there is some hope of getting my funds back.

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 2018-02-23
Company: Grant & Weber
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Overdraft fee with XXXX XXXX XXXX XXXX was contested and evidence/proof given to XXXX   showing that the overdraft was not founded. 

A debt collection agency contacted me about the amount owed. I offered to pay the balance minus the unfounded overdraft fee and was denied, with the threat that the balance would remain, with a credit damaging result.

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 2022-07-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
USAA over-drafted two accounts that had a XXXX balance and were requested closed. On or about XXXX XX/XX/2022. USAA seems to be providing inaccurate or misleading information in this matter. I have further information to be submitted. 

Is there any law in this instance that prevents me from removing my property from my account and closing said account? Did I apply for a loan for USAA to pay a third party debt collector, a foreign agency? Did I authorize such a thing? Did apply for a loan for such a thing? What was loaned ; was it money of deposit, or money of deposit? USAA appears to have sent out their own funds after I withdrew my property from the account. I never had any agreement or contract with USAA to loan money to a third party debt collector. USAA states I was restricted to credits only due to banking procedure ; is that a law? Is procedure law? USAA claims a garnishment order ; however the order USAA is referring is not signed by a judge or under the state seal. Which is known as seal and test of process. Under the 4th Amendment, property can not be seized without a valid warrant, which means it must be signed by the clerk and under seal of the court ; thus there was no valid warrant to seize property. As Coppage V. Kanasas clearly states, that money is the property of the employee. Money is property and can not be seized without a valid warrant. USAA seems to be relying on an incomplete instrument. The instrument USAA appears to have relied on is not signed by a judge, it is not signed by a clerk of the courts, and was not under seal of the court. XXXX XXXX XXXX XXXX  is a private for profit agency ; a foreign agency. And therefore the funds can not be seized as it would be a clear violation of United States Code as well as Supreme Court Case Law. USAA comments that, I was aware, that I was notified ; can USAA provide proof in the form of registered or certified mail that was signed for. What proof does USAA have that I was aware by the bank on such and such date ; Does USAA have any evidence I received such a letter. USAA is claiming a legal process. However legal process can only be done when signed by a judge, and the clerk thereof under seal of court. It appears that the order USAA is referring was signed by an employee from a private companyXXXX XXXX XXXX XXXX XXXX. Property can not be seized without a valid warrant. The 4th amendment, and all writs must be under the clerk of courts and seal thereof. This does not appear to be a legal process in the lawXXXX XXXX XXXX  XXXX XXXX is a privately held company in XXXX Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have multiple old address that I requested to be removed. I also have multiple Name on there as well that isn't mine, I also have three social sercurity that isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, Wells Fargo closed all of my husband and my savings & checking accounts without any notice - removing all access to our funds. As a result, we were left with no cash for a period of 2 weeks. This also caused all our outgoing monthly payments to fail and other incoming deposits to get returned. They sent us our checks 1 week later. We had to go through the process of reopening new trust accounts to deposit the checks and had to wait another 6 days for the funds to be available in our accounts due to XXXX XXXX XXXX long weekend. We were left penniless for nearly 3 weeks with little kids during this period despite having 10s of thousands in the bank accounts. 

Now, I seem to be going through this process all over again with my investment accounts. 

The bank had requested me to confirm my identification 4 weeks prior to closing the accounts. I went into their branch office and provided my passport, green card and driver 's license. They scanned it all, and even notarized it before uploading it to their systems 2 weeks before the due date. 

Following, this, I have gone into the branch at least 6 times to submit the same documents. I want to request you to take action against the irresponsible behavior of Wells Fargo that has created such hardship and inconvenience to my family and me. 

I appreciate your support in advance. 

Much thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions 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:
Experian Business is reporting that XXXX XXXX XXXX has a derogatory account / open lien, which is not true. On XX/XX/2022, I disputed this negative, inaccurate and erroneous information with Experian Business. I disputed the Lien that Experian is listing on XXXX XXXX XXXX XXXX credit report, which is inaccurate. Experian Business hasn't removed this inaccurate and negative information from the business credit report ( XXXX ), which is negatively affecting the business credit scores and profile.

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