BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used the XXXX app to transfer money to another person ( who also banks with one of the well-known, big-name institutions that endorse the app ) on XX/XX/19. The {$400.00} payment was initiated to pay for tickets I intended to purchase through XXXX. I was unfamiliar with the app, but felt confident in it when it was *literally included* within my Bank of America app . The email address for the recipient is listed as " verified ''. 

When the email containing a link to the tickets never appeared, I realized I'd probably been scammed and within ten minutes of initiating the transfer, I tried to cancel it. I was surprised when I was unable to do so via the app or the BOA website. I immediately called the BOA fraud department. The first agent was unable to help me & transferred me to ANOTHER agent, also unable to assist me. They transferred me a second time, supposedly to a specific department that handles XXXX fraud issues. Apparently there are a lot of them, because I waited on hold for an hour and thirty-five minutes. I finally spoke to someone who looked up my account, then suddenly " disappeared ''. I was then greeted by ANOTHER agent, who ( after ten minutes ) told me that I had once again been transferred to the wrong department & they would transfer me directly to someone who could help.

After an additional ten minutes, with total wait time now at an hour and fifty minutes, I finally spoke to an associate who stated that there was basically nothing they could do ... I'd need to speak to a " Recall Associate '', none of which were in the office at the moment?!

When I finally spoke to an associate the following business day, despite the fact that the transfer was still listed as " processing '' ( via the online account manager ), they would not reverse the transfer. They stated that had I read the fine print when I started the XXXX account, I would have seen that the app is only for use in transferring money to friends and family. 

I asked if they are going to close the account of the thief so that they couldn't scam other people. They are going to " file an internal report ''. 

I asked if they are going to file a criminal report against the thief, since BOA/Zelle has access to their identity. They recommended that I file a report with the police/FBI. 

I am planning to close my BOA account, as apparently I can not trust them or the institutions they partner with, and look into filing a report with the FBI.

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 2023-06-13
Company: WELLS FARGO & COMPANY
State: MA
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 customer service

Complaint:
Wells Fargo is not allowing me to register my credit card account online. This is the service that Wells Fargo offering to other consumers and that is advertised to the public. but I am denied to access the service. 

When attempting to create an online account in order to manage my credit card I am receiving the following message : " We couldn't process your request online. Please call us at XXXX for help. '' During the last month I had called Wells Fargo at the above mentioned number at least twice. The first time I called Wells Fargo representative informed me that Wells Fargo is aware of an internal problem that it is experiencing and that it will fix the problem in 3 business days. 

I waited 4 ( FOUR ) business days before attempting to register for online access again and when I tried to register again I experienced the same problem, so I called Wells Fargo again. During the phone call I was transferred to different departments at least three times and every representative that I spoke with interrogated me with a series of questions for a long time and eventually said that the problem was not in the competence of their department. 

The last representative I spoke with failed to resolve the problem and requested that I visit a Wells Fargo office with the closest office to my address being more than XXXX miles away.

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 2022-12-11
Company: Experian Information Solutions Inc.
State: GA
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:
Credit reporting agency has not corrected errors on credit report in timely manner. Need misinformation removed from file.

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please remove the following account, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}.

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 2021-10-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I contacted HSBC on XX/XX/ because I was unable to add a credit card account ( with another institution ) to their bill pay service. As of XX/XX/ their bill pay service has not be fixed and I have not been able to link the bill pay service for credit card account. 

Additionally, I signed up for a promotional account opening bonus using a promotional link on XX/XX/. Terms stated that I would be required to make a direct deposit of {$5000.00} for three months ( XXXX, XXXX, XXXX ). The {$5000.00} direct deposit was made every calendar month from account opening to today ( XX/XX/ ) and I have not received the account bonus yet. I have contacted their customer support on XX/XX/ and they claim that I did not use a promotional link. I know I used a promotional link because when signing up for the account using the promotional link, I was able to save a PDF of the terms and conditions of the promotional account opening. I followed up on XX/XX/ with HSBC customer support and was still denied the promotional bonus. 

I have a transcript of my conservations with the customer service agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Balance XXXX ; LAST Contact was today where I was informed of their offset after the fact. XX/XX/2023. 

XXXX XXXX is the business account ending in XXXX XXXX card business as I obtained a business credit card; used it paid for 4 years at users rates. I couldnt pay XXXX ruined our business. I called them and told them I could pay XXXX a month till it was paid off. They said XXXX I tried but I am Paying this from my w2 income I work 11 hours a day for. I couldnt pay ; I was told they would charge it off if I missed toe pYemwbts. I got calls from the bank I said I just cant pay and when I can I will. Two days ago with no notice the bank withheld the amount of the credit card from my business bank account. I called today was told that they cant reverse it. I explained that money in the account is the capital account of the other partner and I would have to pay it back to him. I was never advised that there was a right to offset with Wells Fargo or I wouldnt have obtained the card. I was told the only way to negotiate a payment amount less than the full amount was to be delinquent multiple months. I was set up to become delinquent thinking it would give me leverage but it was all so they could offset. I was told they could offset my personal accounts. They have taken the XXXX from the bank account with no prior notice ; no judgment etc.

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 2023-02-16
Company: EQUIFAX, INC.
State: FL
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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: In progress
Consumer complaint received 2019-04-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I disputed incorrect information on my credit reports in XXXX and still have no completed 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
Consumer complaint received 2020-06-06
Company: LJ Ross Associates
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
{$620.00} lj ross company. I never receive written documents telling me i need to pay balance before they added it to my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive submitted a complaint before for transUnion about a fraudulent account called XXXX XXXX on my credit file. Complaint ID XXXX, transUnion responded that the account has been removed. Today after I get my credit report from transUnion, I found the entry was still there, only they changed their name to XXXX, but the address and phone number still is XXXX servicess. My question is, why transUnion didnt remove this entry, but claim to CFPB that the entry has been removed? And why transUnion didnt even verify a companys name, and allow them to report fraudenlent information under fake company name? I would like this fraudulent account to be removed from my credit file permanently and Im considering legal actions at this point against this company. 

TransUnion response to my previous complaints : Company responded STATUS Company responded on XX/XX/2019 RESPONSE TYPE Closed with explanation Company 's Response After reviewing your complaint, our records show that the XXXX XXXX XXXX # XXXX account you disputed does not currently appear on your TransUnion credit report. Also, the name of XXXX XXXX is no longer appearing on your TransUnion credit report. In order to protect your privacy, we will mail a copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, XXXX, XXXX XXXX XXXX XXXX  ET. Please visit XXXX XXXX XXXX for frequently asked questions about your credit report.

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 2019-12-29
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: Their investigation did not fix an error on your report

Complaint:
The XXXX XXXX  collection is inaccurate, this is from an issue from late XXXX. Was under XXXX  XXXX  XX/XX/XXXX. They keep transferring to another collection to affect my credit report more, with inaccurate dates and as new incident. None of the credit reporting agency did a proper investigation and just dismissed the dispute. They stated they called the collection agency and they said it was accurate. That was it, my consumer rights are being violated. It is fraud and intimidation to repeatedly transfer it just before it is suppose to be removed from the credit report. These collection agency are in the same area and it is obvious. If they looked at my credit report they would see was report XX/XX/XXXX and is not from an incident this year.

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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. 

Here are fraudulent inquiries on my 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( 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 or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2021-10-11
Company: World Omni Financial Corp.
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:
Southeast Toyota Finance is in violation of 15 USC 1692e ( 8 ) ; Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

Southeast Toyota Finance is in violation of 15 USC 1666a ( a ) ; Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. 


This debt is currently since XXXX being disputed and has not come to a conclusion yet. There has been numerous cease and desist, affidavits and debt collection notices sent out to Southeast Toyota Finance. Southeast Toyota Finance has deceptively and falsely reported a late payment to XXXX, XXXX, and XXXX WITHOUT the consumers ( my ) consent! this constitutes as IDENTITY THEFT per the CFPB definition : Stealing your identity could mean using personal information without your permission, such as : Your name Social Security number Credit card number!! I never authorized this information to post onto my credit report as they provided XXXX, XXXX, and XXXX with my personal information and is tarnishing my reputation by doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
RE : Foreclosure State Case XXXX Civil XXXX XXXX, Florida Property : XXXX XXXX XXXX XXXX. XXXX Fl. XXXX Mortgage Loan Acct : Mr. Cooper Case Number : XXXX PART 1 Since as early as XXXX/2015  Mr. Cooper [ thru ] employees XXXX XXXX, XXXX, and others known and unknown employees [ with ] their legal representative XXXX  XXXX  XXXX ( by and through ) associates XXXX XXXX ; XXXX XXXX and others known and unknown associates are knowing conspiring to either " facilitate '' and/or " in aiding " abetting in furtherance of the conspiracy ++over-acts++ of [ false statements and deceptive information ] to ( willfully purposely ) delay the confirmation of the successor interest for it will triggers successor becomes the borrower having private rights to assume the mortgage and file private action for violation of federal laws Cooper selling the property and getting away with it for it. 
XXXX PART 2 This federal agency CFPB own regulation as given them a way to get away with it by them just delaying making successor the borrower. 
Was that intentionally sinc eit seems to me the drafters of the regulation are attorneys cheating the public deceptively implementing a rule that looks good to help consumer but in fact leaving it open so the creditors can still cheat the consumer anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
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:
It saddens me that Wells Fargo is stalling when it comes to dealing with my complaint. In complaint XXXX reminded Wells Fargo of XXXX XXXX back in XX/XX/XXXX where I agreed to give them a lumpsum of money, {$1500.00} to be exact, in exchange that they would remove all negative information regarding this account and they DID NOT keep their word which is against the FDCPA. Instead of Wells Fargo addressing my complaint they say that they have opened a case and asked me to supply information to help them Identify me. The case number they gave me is XXXX. 
What I find disgusting is Wells Fargo said they couldn't identify me. In my Complaint I submitted the documentation that is requested by the FTC for identifying purposes, Wells Fargo is blatantly ignoring my request. This is not my SECOND complaint in the CFPB and if this isn't handled properly I will move forward. Now to show that I am in complete compliance with getting this resolved I will be supplying again the information Wells Fargo is requesting. 
My name is XXXX XXXX, the account I am referring to was closed almost XXXX  years ago so I do not have the whole account number but it is listed on my report as XXXX, the last XXXX digits of my SSN is XXXX. 
We agreed almost XXXX  years ago that I would give you all a lumpsum of money in exchange that you all would remove all negative information from my report. I kept my agreement and yet you all continue to report negative information regarding this account. I am asking that Wells Fargo either refund me {$1500.00} or remove all negative information from my account which is what we agreed would happen.

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