BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I, XXXX XXXX XXXX, going through a nasty divorce. Somehow back in XXXX XXXX. I reported to my bank of over 20 years, Fifth third bank, XXXXXXXX XXXX That my bank accounts were being accessed. I asked for them to be on hold, until they could figure it out. The gentleman who set up my accounts at that time. About 7 or 8 different ones, was who I went to and talked to for help. I couldn't receive any help, even after turning it in to their fraud dept. They assigned a detective to look at it, and he went back to the bank and ask them to do their job, and then he would do his. He literally told them it was an inside job. I have fault over this since that time, there was never a thorough investigation done. They froze my accounts in or around XXXX. There was funds being transferred from one account to another ... .and the only answers I could get was I don't know, where deposits, Transfers, etc. Went to, even though I was doing all the leg work. I today have still not gotten it settled. They even kept my social security checks ... .I lost everything, couldn't pay my bills, etc. I even told them whom I thought was involved, but nothing was ever done. I would like to know the best way to go to get this resolved. The gentleman who was there when all this happened left after about a year. I was involved in XXXX breach, and never got anywhere with that either. I had a breakdown in XXXX due to everything. I would like to know who to turn to. Sincerely, XXXX XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX, we cancelled our XXXX XXXX XXXX XXXX by phone. 

XXXX XXXX continued to make automatic charges of XXXX XXXX to our XXXX XXXX XXXX account. 

We paid the bill dated XX/XX/XXXX, thinking that was the last one since we cancelled in XXXX. 

On XXXX XXXX XXXX XXXX XXXX XXXX  made another automatic charge of XXXX XXXX. to my XXXX XXXX XXXX Credit Card. I called XXXX and told them we had cancelled the service and didn't owe them. XXXX had a record of the XXXX phone call but the outcome had been reported as " were thinking about continuing. '' ( which was a lie ). We had stated clearly and unequivocally that we were cancelling the services. 

We disputed the XXXX XXXX automatic payment of {$40.00} with our XXXX XXXX XXXX XXXX and our account was credited in that amount. XXXX XXXX XXXX wrote to XXXX to respond to the claim and never received a response. 

We have put a block on any other charges to our XXXX account from XXXX. 

Consequently, on XXXX XXXX sent us a bill in the mail for {$35.00} indicating the automatic payment was rejected by XXXX XXXX XXXX. 

On XX/XX/XXXX, I sent the bill back to XXXX saying : " We cancelled service 2X! End of XXXX and again in XXXX.! You charged us {$40.00} on XX/XX/XXXX anyway and our XXXXXXXX XXXX. is requesting a refund for that. And now, another charge of {$35.00}! For a service we discontinued? No more automatic payments are allowed as charged to XXXX. Cancel this charge as well and refund the {$40.00} OR I will be filing a Consumer Protection Complaint. '' On XXXX we received a letter from Credit Collection Services in XXXX, MA trying to collect {$39.00} for XXXX XXXX XXXX. 

The credit collection company also called by phone and we told them to CEASE and DESIST. WE DO NOT OWE XXXX THIS BILL. IF ANYTHING, XXXX OWES US A REFUND FOR A BILL WE PAID AFTER WE HAD CANCELLED THE SERVICE!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
US Bank in our opinion purposely misled us by placing a hold on the foreclosure processing and offering a new Stand Alone Partial Claim Agreement with a trial period payment plan. This was US Bank written solution to our CFPB Complaint in XX/XX/XXXX. US Bank failed to return the new loan documents to finalize the agreement. They failed to notify us of any new changes or termination of the offer. They failed to notify us that the foreclosure hold was removed and the account is currently in foreclosure proceedings. They failed to inform us of the derogatory marks and remarks US Bank supplied to the credit reporting agencies. They continue to abuse and misuse our available partial claim funds.

After several notices from US Bank informing us about our credit score, we took a look at our credit reports. We chose XXXX since that is the CRA US Bank chose to use. XXXX credit report showed a past due amount of {$17.00}, XXXX and a comment stating, " paying under a partial claim agreement ; 180 days or more past due. '' It gave the appearance that the new partial claim agreement had been approved and the account was brought current with the partial claim funds. We decided to look further and Experian credit report showed " foreclosure proceeding started XXXX, XXXX past due amount {$18000.00} ; account is scheduled to continue on record until XXXX, XXXX. 

We found out that our account was in foreclosure proceedings and the previous hold had been removed by reviewing our credit report. US Bank led us to believe everything was fine. We called US Bank in XXXX, XX/XX/XXXX. Lastly on XX/XX/XXXX when we made our payment it was communicated to us again that the account was still under review by their investors. Needless to say it appears the investors had already made their decision about our account based on the credit reports. What's really mind blogging is nothing was mentioned about the foreclosure proceedings nor termination of the offer when we inquired about the new loan documents.

We do not understand why the US Bank refuses to bring our account current. We have enough partial claim funds available for them to do so. We don't understand the deception. We are first time homeowners, senior citizens, and people of color. We have become distressed over this matter and now we feel like we are being taken advantage of.

This how we found out about the new foreclosure proceedings. The XXXX credit information The account was in forbearance and we were of the understanding that it would not be reported delinquent for the purposes of credit reporting due to COVID-19 effects and after effects.

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 2023-08-14
Company: EQUIFAX, INC.
State: NY
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  ACCT # XXXX, EQUIFAX and XXXX is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: MS
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:
When I review my updated credit report in XXXX XXXX, I see that same accounts were inaccurate. The credit reporting agency is required to reinvestigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX Balance : {$33000.00}, XXXX XXXX XXXX Balance Owed : {$5300.00}, XXXX XXXX XXXXXXXX Balance Owed : {$6000.00}, XXXX XXXX XXXXXXXX Balance : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Affirm Holdings, Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Around XX/XX/XXXX my personal belongings ( phone, credit cards and debit cards ) were stolen by my abusive ex boyfriend. I was in a XXXX XXXXXXXX situation. 
After I got the police involved and retrieved my items, I found out he had made unauthorized purchases with my cards and open line of credit in my name using my information and out of XXXX. 

I contacted my bank to report the fraudulent transactions and I was refunded. I was advised by my bank to contact Affirm as one of the transactions this person opened was with Affirm For a loan. 

I contacted XXXX and explained the situation to them and requested a cancellation of the transaction as it was fraudulent. They informed me that I would have to reach out to AFFIRM directly to cancel the loan. 

I reached out to Affirm and reported the situation requesting that the loan be closed as it was performed Fraudulently. Affirm insisted that they will not close the loan and that i have to pay it because I had other loans opened with that merchant. I explained that because I had other loans open with them does not mean that this was not FRAUDULENT. 

I went over the incident with a manager I spoke with and explained my XXXX XXXXXXXX situation and how personal belongings were stolen and I did not authorize this particular transaction. It fell on deaf ears. 

I insisted to not pay the loan because it was fraudulent. I requested that they provided me with documents as to how they arrived at their conclusion that it was not a fraudulent transaction, I was ignored. 

I have been contacting them for weeks and no one is responding to me. Instead I get threatening emails and text messages that they will report to XXXX and send the balance to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: NY
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:
Account name : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : DEPT OF EDUCATION/XXXX 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 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 2022-12-15
Company: Experian Information Solutions Inc.
State: LA
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:
I submitted a letter for validation/correct information over 30 days ago with no response.

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 2022-11-30
Company: Experian Information Solutions 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:
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. 

XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delaware XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 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 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 2022-12-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-07-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo bank has been notified that my account has been fraudulently charged and they refuse to resolve the situation. I have reached out to the fraudulent merchant, made a claim with wells fargo, made a police report due to the identity theft, Filed a complaint with the FTC, and will be obtaining a lawyer. Wells Fargo and XXXX XXXX are allowing people to be scammed and fraudulent purchases to be made and they are not holding these people accountable nor are they resolving the issue as far as the legal right to a chargeback.

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 2023-07-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We officially filed a complaint and thought it was resolved permanently. I was finally able to make a payment in XXXX. Then XXXX rolls around and I am getting the same calls stating high debt, were delinquent and we need to call. I have proof our last complaint was excepted. They did not correct their system therefore we cant make a payment for XXXX. Tomorrow is officially XXXX so we will be marked behind, have to talk alternate solutions and this is creating severe anxiety for me. I have left several messages for XXXX XXXX to return my call and have documents of days and days of emails and calls with no solution. Supervisors are being asked to turn on a button and they wont. I feel this is becoming out of our hands I am requesting legal support and help at this time. We want the payment button on asap and a personal call stating the issue has been permanently resolved. I dont want to be charged late fees, have my XXXX XXXX dinged and I want the company to honor the modification deal as previously stated they would in the last investigation. I also want written response to my legal choices if we pursue a claim against Right Path. We also need to figure out a fair requirement on how I proceed to make any payments held up due to your technical error of a button not working. This is the companys fault once again and they need to be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Lazega & Johanson LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Lazega & Johanson and XXXX XXXX XXXX impersonate being attorneys to using false affidavits to coerce me into paying a debt that was never validated and that I due not owe. 
I never contracted with Lazega & Johanson and XXXX XXXX XXXX to be sued. Lazega & Johanson along with XXXX XXXX XXXX violated both the Fair Debt Collection Practice Act and also The Truth In Lending Act. Lazega & Johanson and XXXX XXXX XXXX also violated The XXXX ( Filing Number XXXX ) they were not first in line.

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