BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX - I mistakenly paid the Bank of America Card {$4400.00} instead of the vendor I had intended. 
XX/XX/XXXX -I called BOA and asked them to return the money to my account. I was told 'no problem, I've got you! ' XX/XX/XXXX -No money was transfered. Frequent checks to app to see my bank account did not receive the money. I was unable to pay the intended vendor fully. 
XXXX - no money was transferred. I called and was told they would escalate it to a manager. I was told 'It will take 2 weeks to transfer it to you " XXXX - No escalation evident after call. 
XX/XX/XXXX - No escalation or return of money. Person on phone waid I should send a fax copy of my bank statement to BOA so they can confirm the initial transfer. 
Around this time I received a letter dated XX/XX/XXXX stating they were looking into this. 
XX/XX/XXXX - Sent fax with my bank account info showing initial transfer. 
It is now 4 weeks with no resolution. 
Around this time I received a letter saying the money was 'transferred back to my account. ' Frequent checks on my bank account showed no transfer. 
XX/XX/XXXX - after frequent calls to BOA, I could not get my problem escalated to be a level where it could be solved. No return of money yet. I was now was told ' the transfer back to my account was complete '. That the date of transfer back to my account is allegedly XX/XX/XXXX. I was told a 30 business day waiting period was initiated on XX/XX/XXXX - 30 days after my first request. I was not given the info they required at that time. 
XX/XX/XXXX - Calls to my personal bank indicated there was no money waiting to be transferred into my account. 

Every call takes over an hour- the screening robo answering service is difficult to get through to a person. No person is able to assist and solve this problem. 

XX/XX/XXXX - My bank- XXXX XXXX- has initiated an investigation and may reinstate my account while waiting for the BOA. 

BOA has offered no assistance to shephard this issue through the system. I feel my money has been stolen. I don't know where it is.

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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( 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 relating to any transaction by the consumer. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/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 2023-09-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
Wells Fargo fails the truth and lending act, they are deceptive, and fails to be direct and forward with their Wells Fargo Reflect Credit Card Terms and Conditions with Cash Advances. It is imperative for Wells Fargo to be very clear and detailed on their terms of conditions especially for those such as myself who have a XXXX XXXX and for minority groups who struggle with fully understanding such lingo which I am also apart of. 

Wells Fargo Reflect Credit Card is advertised as 0 % interest for a minimum of 18 months and maximum of 21 months. It states for all terms that there are interest fees applied including Cash Advances.

In the terms and conditions it states what the FEES are for Cash Advances which is {$10.00} or 5 % of the advance. It does not state that there will also be a monthly interest charge. 

I did a Cash Advance and was shocked to receive monthly interest charges on a no interest card, and this defeats the purpose of having a zero interest card. 

When I called in the representative read me something over the phone, however, I pulled up the terms and conditions and see that its very misleading, deceptive, and possibly false. 



Wells Fargo needs to be very clear, concise

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 2023-05-08
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 Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 any 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 2023-09-12
Company: Block, Inc.
State: TX
Product: Credit card
Sub-product: Store credit 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:
Afterpay is the name of the creditor. They have a partnership with XXXX. I have never signed up for an AfterPay account. Yesterday ( XX/XX/2023 ) I received several emails welcoming me to AfterPay and thanking me for my order. Using the links in the email I was able to access the account by changing the password. 

The below information is what I found. 
Order # XXXX Phone # listed which I do not recognize was XXXX Delivery Address which I do not recognize is. It also list a name : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2021, someone opened up a checking and savings account at my bank, in my name. They had my social security number, birth date, and name. Both accounts were then tied to my existing accounts, which would have allowed the thief to transfer funds, drain my accounts, then close their accounts, and steal my money. 
Thankfully, I was alerted to the issue on XX/XX/2021, by my credit and personal monitoring protection company, and I called the bank to discuss the issue. A complaint was started, then it went to an Online ID Theft team. The 2 fraudulent accounts were frozen. I am awaiting their investigation conclusion. They did tell me that this happens all the time, and there is really no way to stop it, when anyone can open an account online, without proof of ID. Also, they did not require the thief 's have any money in the accounts at the time of opening them. I the meantime, I am forwarding this information to you. 

All banking institutions should not allow accounts to be opened without having to show ID. And why don't you need a minimum amount to open an account. I had to have a minimum amount to open my accounts in person. This kind of theft is happening all the time, and can not be stopped when banking institutions allow for this kind of behavior. 

I have been the target of numerous pay day loan schemes also, so my information must be circulating on the dark web. I am not sure what to do, and how to stop all this. I have been told to file a police report once I get the investigation letter, then freeze my credit for 7 years.

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 2023-10-15
Company: Westlake Services, LLC
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

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 2021-06-16
Company: Medical Data Systems, Inc.
State: GA
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:
Medical Data Systems ( XXXX ) has created frequent and damaging reports on my credit report. While I admit that these charges are valid they have made frequent derogatory accounts on my credit report which has severely damaged my credit. 
The first derogatory report was on XX/XX/2021 for {$3800.00}. 
The second derogatory report was on XX/XX/2021 for {$8500.00}. 
The third derogatory report was on XX/XX/2021 for {$260.00}. 
The fourth derogatory report was on XX/XX/2021 for {$3500.00}. 
The fifth derogatory report was on XX/XX/2021 for {$220.00}. 
The sixth derogatory report was on XX/XX/2021 for {$540.00}. 
The seventh derogatory report was on XX/XX/2021 for {$3500.00}. 
The eighth derogatory report was on XX/XX/2021 for {$220.00}. 
The ninth derogatory report was on XX/XX/2021 for {$540.00}.

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 2022-05-30
Company: EQUIFAX, INC.
State: VA
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 3 Credit Bureaus XX/XX/XXXX 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 action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. XXXX XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$850.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had a XXXXXXXX XXXX Student Loan serviced by Firstmark. The balance was {$210000.00} on XX/XX/XXXX. I had initially planned to refininance roughly XX/XX/XXXX between XXXX and XXXX XXXX. My XXXX ( serviced by Firstmark ) refinance for {$110000.00} was completed and applied to the XXXX loan on XX/XX/XXXX. Ultimately, it made more sense to refinance the balance entirely through XXXX XXXX ( serviced by XXXX ). XXXX XXXX payed Firstmark {$210000.00} on XX/XX/XXXX. Firstmark applied {$100000.00} of this to the XXXX XXXX Loan to close it out. They reasonably elected to apply the balance of {$110000.00} to the commonbond loan on XX/XX/XXXX, closing it out and leaving a credit of about {$6000.00}. I contacted XXXXFirstmark a few times and was assured that XXXX XXXX would be receiving the credit of {$6000.00} within a week or 2. 

I received a Loan paid in full letter from FirstmarkXXXX on XX/XX/XXXX. To my dismay, on XX/XX/XXXX, I checked my account and found that I am noted to be past due. Firstmark reversed the {$110000.00} payment. I called them on XX/XX/XXXX. Initially, I was told that the check bounced, or that I had stopped payment or something. After numerous calls and emails a few days per week, I am told that they are investigating it. They refuse to take me out of past due status in the meantime. They haven't refunded me or XXXX XXXX. They refuse to escalate me to supervisors in customer service and every time I call, they tell me they are putting in a request for a review, and I will hear from them in 1-2 business days. Emails note to expect a reply within 2-3 business days. They have not reached out to me at any point despite numerous promises of a resolution being a couple days away for the past 2+ weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: V and H Portfolio
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Thank you CFPB. I disputed this debt on my credit reports by using the dispute options with all 3 credit bureaus. My dispute explained that the bill was paid on time with the original creditor and it was never in danger of going to collections. I had no idea it was in collections because I paid it. After I disputed the debt, the collection company still kept reporting the debt on my credit reports. This negatively impacted all of my credit scores by reducing my credit scores. This hindered me from using my credit while this collection account appeared on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: IL
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:
15 U.S.C. 1692G - Requested Purchase agreements all attached never received?

- copy of payment history - name and address of original creditor - proff of claim 15 U.S.C. 1692k - civil liability They sending letters with there logo 15 U.S.C. 1692c - communication - requested cease communication form of reporting to credit bureaus remove accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I feel alot of my rights have been violated under FCRA please help this is preventing me and my family from buying my house

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: IN
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

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 2021-12-07
Company: EQUIFAX, INC.
State: NY
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 dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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:
Portfolio Recovery Associates is reporting a collection account that not only doesnt belong to me. It shows debt buyers account for account type it also has a date opened of XX/XX/XXXX with a delinquent date of XX/XX/XXXX XXXX not sure how an account can be delinquent 2 years before it was supposedly even open XXXX XXXX XXXX is also reporting inaccurate Information that does not belong to me Also reporting as a debt buyer with a date opened XX/XX/XXXX and a delinquent date of XX/XX/XXXX 1 year prior to questioned account being opened

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2021-06-16
Company: Credit Control, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My complaint is against Credit Control LLC which has called me 4 times in the past 6 days. I am on the do-not-call list and have been for many years. 
Call # 1 from XXXX on XX/XX/XXXX at XXXX XXXX  was robocall which I did not answer, but blocked that number on my phone. 
Call # 2 was from XXXX again on XX/XX/XXXX at XXXX XXXX. I again ignored the phone call and it left no message. 
Call # 3 was from XXXX on XX/XX/XXXX at XXXX XXXX. I did not answer the robocall but called the number back and spoke with a representative. They were looking for XXXX XXXX. I informed him that no such person was connected to my phone number for at least the past 15 years. I also informed him I am on the do-not-call list and told him not to call me again and to take my phone number off their list. He said he would correct the list. 
Call # 4 came today XX/XX/XXXX from XXXX at XXXX XXXX. I did not answer the robocall but I called that number back. The representative said they were looking for XXXX XXXX, and I explained again that no such person is connected to my phone number. I told him I was on the do-not-call list and not to call me again. 
I am frustrated as XXXX with XXXX XXXX which daily interrupts my life, which defies the do-not-call list and my repeated requests to stop calling 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 explanation
Consumer complaint received 2021-12-07
Company: AMERICAN FINANCING CORPORATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since late XXXX early XXXX I have been attempting to refinance my mortgage. In the beginning of this process I was getting communication from American Financing and then it started getting increasingly hard to get a hold of the loan processor or the underwriter to find out the status of my loan. I have been told XXXX different timelines of when I can close my loan, the last was supposed to be XX/XX/2021. I was also told not to pay my mortgage for XXXX and XXXX however I am getting late notices which is not only showing me that the process isn't started still but this going to affect my credit based on what my loan processor XXXX XXXX told me.

Company response to consumer: Closed with explanation