BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In my XX/XX/2023 credit card statement from Bank of America ( BofA ) for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I noticed there was a balance transfer for {$5900.00} from an XXXX XXXX  with the last XXXX digits of XXXX. There was also a {$170.00} transaction fee for the transfer from BofA. I also noticed another balance transfer of {$1900.00} from a XXXX  XXXX card with the last XXXX digits of XXXX to my same BofA XXXX XXXX XXXX on XX/XX/2023, plus a {$57.00} transaction fee. I immediately contacted the Fraud Department of BofA ( XXXX ) and notified them of these fraudulent charges. The person I spoke with told me that BofA would immediately close this card and re-issue a new card, along with reimbursing my account in the amount of {$8000.00}, which was done. On XX/XX/2023, I received a letter from BofA stating, " Unfortunately, we're unable to approve your recent claim. '' This was due to their research, and the amount of the transactions was being added back to my credit card balance. '' I immediately called the Fraud Department again to have them review this case again, as their explanation of why this dispute was denied made no sense. I spoke with XXXX then, who told me I needed to write a letter to the BOA Claims Resolution Department in XXXX, TX disputing this claim and decision from BofA. My letter would escalate this claim for further review, and I would receive a call or email regarding the resolution. I immediately sent the letter as requested to BofA. No such call or email was received. I contacted the BofA Fraud Department again on XX/XX/XXXX. I spoke with XXXX requesting an update as to the claim review. I was told that the claim was re-opened for review, but no decision has been made. XXXX said that she would expedite the claim, and I should receive a call from BofA within 3-7 business days, depending on their workload. To date, I have not received a call or any other correspondence from Bank of America. On XX/XX/2023, I once again called BofA 's Fraud Department and spoke with XXXX. XXXX apologized for the inconvenience this has caused and would escalate this to a Manager within the departmentstill no correspondence from BofA on the issue. 

The only thing I have received is interest charges averaging over {$250.00} per month. These XXXX transactions are also maxing out my credit limit at 100 % on this card. This is beginning to affect my credit scores due to the credit utilization on this card. I have reviewed my credit reports, and they do not show me owning an XXXX Credit Card or a XXXX XXXX XXXX account ending in 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 2023-11-08
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My credit card with Barclay 's has been on automatic draft for several years with no problems until XX/XX/ when the bank double drafted my bank account. They took XXXX weeks before returning the {$190.00} monthly payment. Subsequently, I called and asked to be removed from the automatic draft payment program. Barclay 's sent me a letter stating my removal from the program, however they still drafted my account in XXXX. In addition, I paid the {$190.00} directly. So, once again they were double paid. After calling numerous times to no avail. Barclay 's refuses to return the extra {$190.00} or put the extra payment towards the balance. As I am typing this complaint, I am on the phone again with them. The representative stated the case number for Barclay 's is 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 2022-05-22
Company: Experian Information Solutions Inc.
State: MI
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'm trying to buy a house. I'm supposed to be out of my current XXXX Within 2 months. My mortgage broker called and told me that all of my XXXX  accounts were reporting me as 90 days late, for several months, and consecutive months, over a year. I had contacted XXXX several times for more than 2 years, trying to get my loans out of deferment, and set up monthly payments of {$50.00}. I would say to each person that times are hard during Covid, and that was all I could afford. Each person that I talked to would " counter offer '' me. Things like, " looks like we could set that up for {$75.00} per month, could you manage that? '' Or, " we can get a payment plan set up, but we are going to need it to be at least {$100.00} per month, any way that you could do that? '' Things like that every time. I would ask to speak to someone else. More times than not, the person on the phone was speaking " broken to very broken '' English. Having a language barrier during these conversations did not help matters. I was told that i need to go to their website and/or download their app. I would explain that I don't have a computer, I check my e-mails about once per month and mass erase XXXX XXXX at a time, I'm not a technical person, at all, and my phone is used for calls and texts. I just wanted to talk to a person to get this set up. I find it very hard to believe that there isn't anyone on staff, that I can give information to, and ask any questions that I may have of them regarding loans. I actually asked at least one of them, " why would you turn someone away that is trying to give you money every month? '' The last conversation was some time last year. Then I started hearing that all student loans were being " frozen, '' where payments and accruing interest were being paused. I was keeping up with all of the date extension, so that when it was over, I could try again. Mostly hoping that they would be happy to take my {$50.00} per month, since they hadn't been getting any money form anybody. I find out this morning from my mortgage broker that my credit score was horrible, and the only reason is XXXX They reported to the credit agencies 90 days late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. If student loans are " frozen, '' then they should not be reporting any negative payment activity, definitely XXXX late payment reporting and destroying peoples credit, goals and life.

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 2021-05-24
Company: Experian Information Solutions Inc.
State: CO
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:
I have contacted Experian multiple times asking for validation of debt by on XXXX XXXX. I have not received validation from XXXX or Experian. Experian continues to post the data, even though it is a clear violation of US HIPPA laws and fair debt collection practices. 

In a previous complaint with the CFPB I request that Experian directly provide the validation as I have not received it from XXXX XXXX, and they did not do so. 

I have asked multiple times of multiple parties involved the following : 1. Justification of the claimed amounts, including itemized invoices and receipts 2. Explanation of how you calculated the amount owed 3. The identity of the original creditor 4. Proof that the Statute of Limitations has not expired on this account. 5. Proof that you are licensed to collect debt in my state. 6. Your license numbers and registration agent, or agent of service. 7. Any and all proof that you are following all HIPPA laws as you are a medical debt collector. 

I have yet to receive any of up but Experian resolves the dispute as information stands.

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 2022-04-05
Company: EQUIFAX, INC.
State: CA
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:
My letter dated XXXX which was mailed to you on XXXX. That letter was mailed to you by XXXX MAIL XXXX XXXX XXXX XXXX XXXX. The letter was received by XXXX XXXX on XXXX. However, there is no record of my letter new documents in your XXXX System. I have filed a complaint with your Dispute Department and your Office of Consumer Affairs. 

THIS NEW AND RELVANT EVIDENCE. DO NOT INGNORE THIS COMPLAINT. 

On several occasions you have claimed to have verified the XXXX XXXX account as being accurate. Im providing new and relevant information that proves the information is not accurate. 

According to the XXXX XXXX Explanation of Surplus or Deficiency the balance they calculate is {$27000.00}. However, they failed to include refund they received in unearned premiums for the XXXX XXXX XXXX which was canceled prior to the contract termination date. The request to cancel the policy was processed and a refund was issued in the amount of {$540.00}. This amount was refunded to XXXX XXXX. XXXX XXXX never adjusted the deficiency balance. The balance remains {$21000.00}. 

CC : XXXX  State Attorney General CC : XXXX State Attorney General XXXX : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: EQUIFAX, INC.
State: NC
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:
I am requesting the removal of a bankruptcy on my Equifax credit report due to Civil Case No.XXXX. I did not know the source of your information of this bankruptcy and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy as it is adversely affecting my credit. Previously, I requested such removal and I have also attached to this complaint a dispute letter from the company XXXX confirming the results of their Reinvestigation. For your review, I have attached a copy of the results to this complaint.The U.S. Bankruptcy Court also confirmed that they do not report any information to the credit bureaus  including my social security number which is needed to correctly verify any accounts on my credit report. Since this is a request and not a dispute, I would like to receive confirmation that the bankruptcy listed on my credit report has been removed within 15 days of the receipt of this complaint. Your attention to this matter is greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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 bank- store XXXX- new car XXXX XXXX XXXX XXXXXXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 USC 1681 section 602 states i have the right to privacy.

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

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I do not own a credit card nor have I ever in my life. I recently checked my credit score and there is a XXXX XXXX card in my name with a XXXX $ balance. I called XXXX and there saying I dont have an credit card account, based off of my name, and social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: World Omni Financial Corp.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
i do noy OWE them XXXX dollars they are inaccurately reporting a debt that has been paid over 4 years ago please validate this debt or delete it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have a Charge Off account reported on my credit bureau report as recent as XX/XX/XXXX with XXXX XXXX XXXX. However this is a charged off account thats been charged off since XXXX. They are reporting this information as if it is recent and it is damaging 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 2016-10-11
Company: WELLS FARGO & COMPANY
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive calls in excess of 6 times per day, every day, Monday through Friday, starting at XXXX and ending at XXXX. When I answer they ask for my wife. When I tell them she is out of town or unavailable, they say they will call back and hang up. They refuse to identify the balance owed, if any. Often there is no one on the line when I answer, and when I do n't answer, they do n't leave a message. I have identified to them on numerous occasions that they are harassing me to no avail. This has been going on for in excess of a year. These calls are severely affecting my ability to conduct my business.

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 2018-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On my correspondence to this company dated XX/XX/2018. I disputed several accounts that has been reported incorrectly and inaccurately. I clearly listed in my letter what the accounts are and what incorrect and missing information there are per account. It is now XXXX and till now have not receive any concrete evidence that an investigation was conducted, nor documents used in their investigation. At this point the disputed information are in verified/invalidated and this misconduct is definitely a violation of FCRA. The accounts that I disputed are the following : 1. XXXX XXXX XXXX XXXX Ref # XXXX, 2. XXXX XXXX XXXX USA Ref # XXXX 3. XXXX XXXX XXXX USA Ref # XXXX 4. XXXX XXXX / XXXX XXXX ref # 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 2022-12-24
Company: Experian Information Solutions Inc.
State: NV
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal actio XXXX XXXX XXXX Balance Owed : {$140.00}

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 2020-04-10
Company: Experian Information Solutions 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:
Inaccurate information on credit report. FTC violation. 

XXXX XXXX  XX/XX/XXXX {$1400.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX  XX/XX/XXXX {$420.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$13000.00} XXXX XXXX # XXXX XX/XX/XXXX {$550.00} XXXX XXXX  XX/XX/XXXX {$500.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX   {$250.00} XXXX XXXX XXXX {$430.00}

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 2019-10-15
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
1. XX/XX/XXXX, I spoke with Wells Fargo mortgage rep, named XXXX, XXXX, ext, XXXX. She confirmed that my mortgage payment would remain the same, ( {$1200.00} ) from XX/XX/XXXX to XX/XX/XXXX. This was related to the escrow buy-down, I paid on XX/XX/XXXX, for {$410.00}. 
2. XX/XX/XXXX, an escrow analysis was generated for a shortage due, {$300.00}, due before XX/XX/XXXX. I called WF & advised of the payment arrangement given on XX/XX/XXXX. Their response was the agent made a mistake in calculation & will not honor it. 
3. If WF made the mistake, I should not be penalized. I am requesting that the mortgage payment stays at {$1200.00} till XX/XX/XXXX as arranged. 
4. Another major issue is that WF discontinued the escrow " buy-down '' process. This had helped in the past to control the payment, but now is discontinued. 
5. Wells Fargo is not customer friendly at all. I am just a number, & I have prefect credit with all my WF accounts. When a supervisor says they will return my call, they don't & never answer when calling their extension. WF is not interested in helping with my payment, which is very important to me.

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 2023-09-27
Company: WELLS FARGO & COMPANY
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
a representative from the XXXX XXXX called several times over the last 6 months or so. They claim I owe debt to wells fargo, they have my social security number and previous addresses. they claim the debt to be XXXX XXXX XXXX XXXX  it does not exist. they will not send me information about the debt and are threatening law suits and bank seizures.

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