BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-30
Company: Novad Management Consulting LLC
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX is responsible for my mothers reverse mortgage.My mother passed XXXX XXXXMy siblings and myself are on the deed.XXXX has not been willing to share any info on the status of the loan.My mothers death certificate was sent.A third party authorization form was submitted.They still won't release any info.I have requested a 3 month extension to sell the house.The necessary info has been emailed to XXXX 3 times.Their site states if any other info is needed that they will contact you.Every time I call they tell me they can not release any info to me.XXXX XXXX is the 6 month grace period.I need to know if they will just show up to claim ownership.Both my sister and I have spoken on the phone to their representative numerous times.Today the rep asked if I had gone to court to establish right to know.Never heard this before.Was instructed to submit third party authorization form for release of info.Was also told to resend all info a couple of weeks ago. Can not believe this company was hired by hud.They should not be involved in any reverse morgages.Original reverse mortgage was thru XXXX XXXX XXXX.Have been sending info since XX/XX/XXXX to XXXXCan they just show up to claim ownership? Please help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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: Investigation took more than 30 days

Complaint:
According to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my Rights. 
15 US Code 1681 c2a consumer reporting agency shall block the reporting of any info in my file that I did identify as a reusult of identity theft no later than 4 days after the receipt.

it has been over 30 days and you are in violation of this law because I am a victim of identity theft. 
I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. NO Consent IS IDENTITY THEFT, As a consumer i am demanding deletion immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello- I had a bank account with Wells Fargo XXXX XXXX - XXXX. I see they just settled a lawsuit and I could be owed some money. How can I go about it?

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 2022-09-30
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: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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. 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 2023-02-01
Company: WELLS FARGO & COMPANY
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I got a loan through Wells Fargo for my car in XXXX  and became aware that it wasnt just me but millions of other consumers who received high interest and fee rates from Wells Fargo due to their settlement claim.

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 2022-09-30
Company: Paramount GR Holdings, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX requested this loan for Solar panel which does not work. XXXX XXXX XXXX has now closed and does not support the system. Since I got installed I continued to pay the light bill and the loan from good leap in which I cant afford. I am paying a loan of $ XXXX monthly and light bill which is the same amount. I want this loan dismissed and these solar panels off my roof! They claimed it was fixed but its a lie! I'm still not seeing enough energy produced to sustain my house like I was promised when they installed the solar panels. This loan is for 25 years for a system that does not work! They said I was going to receive compensation for the time I called to when they claimed they fixed it and when I called they said it was no longer being given. They literally waited for the tech to come to send that letter that I was not going to get reimbursed. 

This is not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: GA
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:
Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, This is about the inaccuracy that has been furnished by your organization on my consumer report. I found this inaccuracy on XX/XX/2021. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against multiple times and refused my RIGHT as a consumer to extend credit. 


From my research, according to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I am putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. 

Because of this, my livelihood has been adversely affected and has caused me a great deal of stress in already difficult times! From what I understand there is no such law that states that anything must be reported to a consumer reporting agency. Therefore, your organization is liable. 

Also, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Your organization exercised its responsibilities neither with fairness and impartiality nor protected my right to privacy. 

I also request that you give me a piece of evidence to show that the information which is being reported has been properly investigated. Provide me with details of the system that your organization used to determine whether the transaction took place or not. 

According to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I demand you do the following ; XXXX XXXX XXXX XXXX  and all remarks XXXX XXXX XXXX XXXX  and all remarks XXXX XXXX XXXX XXXX and all remarks Upon further research 15 USC 1681n states that each violation for willful noncompliance is {$1000.00} per violation. 

My reputation has been abused enough. My right to privacy has been abused enough. Remove these accounts from my credit report. I have provided federal laws and as a federally protected consumer, I expect this to be handled accordingly. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: International Recovery Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of intercourse of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; Unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order 13892 ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family, and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX different unauthorized inquiries from Ally I have never solicited credit from this company

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 2022-09-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022, sold premises. Received payoff statement from Select Portfolio Servicing which confirmed at closing by title company. Payoff check sent to SPS.. XXXX. SPS confirmed received XXXX. SPS paid from escrow on XXXX insurance due XXXX and real estate tax on XXXX due XXXX neither disclosed on statement or confirmation. Insurance cancelled on XX/XX/2022 and payment and per diem refunded to XXXX. 
Tax payment made by title company and duplicate payment returned to SPS. SPS refused to issue satisfaction of mortgage and is paying excessive insurance each month as well as paying real estate taxes and will not return duplicate payment. SPS received full payment of mortgage. 
With the return of the duplicate tax payment SPS had money in escrow. SPS continues to run up blll for payment of insuance on property paid off and pay property tax which new lender is paying. Lender not about to commence foreclosure action on mortgage fully paid off. Spoke to SPS and they refused to stop paying insurance and real estate taxes or state how much was in escrow when they received the payoff payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: T.S. Holdings
State: NC
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 filed a complaint with the CFPB that The company IQ data is reporting incorrect information on my credit reports ( XXXX, XXXX XXXX XXXX ) by law the company is supposed to respond to my inquiry within 5 days acknowledging that they have received the complaint, this was sent to the company on XX/XX/XXXX it is now XX/XX/XXXX and the company reporting IQ Data has not acknowledged they have received my complaint I ask that this incorrect account be permanently BE REMOVED/DELETED from all 3 credit reports IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Received a texted on XX/XX/22 stating order placed placed for item through XXXX and {$550.00} would be auto deducted from my card. Not me to call number provided. I clicked on number to say I did not make the purchase. Number was answered by a person claiming from XXXX. Was told had other charged amounts that I said did not make as well. And was told hackers got my account information and was using unauthorized. Person had me create some XXXX  names and money transferred to them. Saying putting amounts on XXXXXXXX XXXX servers to remove hackers and assured me that I would be refunded my money. This took place XXXX. On XX/XX/22 all corresponding stopped and I realized I had been scammed. I contacted XXXX and my bank that day. My bank accounts had holds placed on them and I got new accounts. XXXXXXXX XXXX attorney for their customer protection and enforcement team responded to me saying I had been a victim of an online scheme by persons posing as XXXX employees. Her team started an investigation as well as an outside investigator XXXX uses in fraud cases. 
My bank disputed the XXXX transactions and XXXX transfers. However, the bank 's initial research determined valid transactions. Which I was tricked into making by the scammers using false representations to get people to unknowingly authorize money transfers. The total amount of multiple transfers was {$7900.00}. 
I filed a police report on XX/XX/22 as well. 
I have written and sent a letter to the bank on XX/XX/1922. Asking to reevaluate and explained more of being the victim of an online social engineering scheme/scam. As of XX/XX/XXXX, I have not heard back from bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Firstsource Business Process Services, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX : XXXX XXXX, XXXX. 
Our Reference # : XXXX Creditor Account Ending In : XXXX Account Balance : {$100.00} I got this in an email today and theyre demanding I pay something I have no knowledge of.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In 2013 in XXXX XXXX I went into a Wells Fargo to cash a check. I had been scammed on the internet and was mailed this fraudulent check and told to deposit it. The teller was new, not properly trained and did not have another teller there to help her. She did not thoroughly examine the very suspicious check ( for about {$2000.00} ) and when it was discovered to bounce, nearly 2 weeks later, I was charged all sorts of overdraft fees and my account was negative. I now realize that it was very obvious that the check was fake and incredibly suspicious and that any properly trained teller should have been able to tell immediately what it was.

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 2022-08-03
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
I had a Vanilla Gift Gard ( Visa ) that I bought from XXXX XXXX  on XXXX XX/XX/2022 ( cost {$500.00} ) and had a balance of {$490.00} after activation. I used it for the first time to pay for my XXXX Ride for {$130.00} on XXXX XX/XX/2022, and a second time in XXXX XXXX ( XXXX, California ) for a bill of {$28.00} on XXXX XX/XX/2022, both of which were successful. However, when I tried to use it on the subsequent days, my payments were declined everywhere. I called the Vanilla Gift Card customer care with the toll-free number given on the back of the card, and I was told that my card was compromised and that they found a series of {$10.00} transactions on XXXX. As a security measure, they have blocked my card with a current balance of around {$97.00}. There was no way for me to check the balance and the transactions as my card was blocked. 

As per the suggestion of customer care, I filed a dispute with the company ( Vanilla Gift ) on XXXX XX/XX/2022. I was told that the process might take anywhere from 45-90 days, yet even after repeated enquiries and emails, I am yet to get any update. I have researched and found that most customers who file a complaint with the company do not receive any response from them even after 90 days. As I am an XXXX XXXX XXXX  in the USA, I can not wait for 90 days for any resolution, as I am to go back to my country on XXXX XXXX. I also can not spare or lose this huge amount ( {$320.00} ). I kindly request you to look up this matter with the company and help me get my money back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: MO
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  Account # XXXX, Account Name : XXXX  Account # XXXX, Account Name : XXXX  Account # : XXXX, Account Name : XXXX  Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX  Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : 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

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 2022-12-07
Company: Synovus Bank
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I reported my First progress credit card lost and requested a new one sent to me. The company closed my account without my knowledge, my credit score dropped, and its being reported on XXXX and XXXX as a closed account. My aged credit history has been effected and the company refuses to do anything about it. I do not have a new card and because its a secured credit card, they have not returned the money I used to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have asked Experian, XXXX and XXXX to remove all fraud alerts from my 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
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX, Experian and XXXX falsely put things on my credit report and threatened me to pay them, they have put debt on my accounts and put my score in the negative I have been having this problem for two years Ive done everything and still nothing has changed I made a police report and filed a complaint and I have yet to see any results.

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