BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX opened a CapitalOne account in my name without my express consent, and did not link it to my store account. Apparently they did this in XX/XX/XXXX. The old account was still linked and showed a XXXX balance and XXXX payment due when I went to check it in XXXX, leading me to believe that I was current and had no balance. I continued as normal thinking all was good, tried to log in later as routine and the old account was down, thought it was just a glitch, and didn't follow up because in my mind I had XXXX payment due. Since CapitalOne sends so much predatory lending junk mail, these all end up on the burn pile. I was unaware that a CapitalOne account was opened in my name and the balance transferred. InXX/XX/XXXX, I went to make a purchase with XXXX and it was declined. That is when I discovered that there was a new XXXX account and card and it took me a couple hours to get it linked up. I spoke with someone, either XXXX or CapitalOne, but my memory on this is vague, it was the day after XXXX, but I made the payment to pay the full balance and left with the impression that the late fees would be removed and my account was in good standing. In XX/XX/XXXX I discovered they did not do this and are reporting me late to the credit bureaus. Have called XXXX about this and their customer service says they have no visibility or ability to remove these fees, otherwise they would. Everyone at XXXX says they are sorry, but their system doesn't let them do that. CapitalOne says their system won't let them do it either, that they have no 'options ' available to them. Each points the blame at the other, but one agent at CapitalOne admitted that CapitalOne does have the ability to do so, but then the supervisor said they didn't have any 'options ' again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-05
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:
XXXX XXXX has XXXX harrassing my credit report by reporting the account is closed for the past 3 months on different days. This account was a charge off back in XX/XX/XXXX as a charge off. I never received a XXXX from XXXX XXXX and I never received a bill of sale of the vehicle that was auctioned in XX/XX/XXXX. They have refused to cooperate with me and since XX/XX/XXXX, they have been reporting the account closed monthly. I will provide proof.

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 2022-05-02
Company: Experian Information Solutions 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:
Experian is reporting lots of inaccuracies in my report. I have been sending letters to since XXXX Experian - 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 120Days and no response or report of investigation, i believe nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.

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 2023-03-11
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
The company was fraudulently claiming to be Destiny Master card, asked for my id information. Faxed License and SSN card to them. I am worried that is is an identity theft scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I had got a message on XXXX from a friend that I know and trusted asking if I wanted to make some extra cash? I said yeah I am, and I did not know his Instagram account was hacked and it was the scammer that was contacting me with his account. Told me he did an investment with this guy on XXXX, gave me his name and to message him and told me that this guy will explain it all. I fell for it because I thought my friend was messaging me and knew my friend would not lie about something like that. I got in contact with the person that was saying he was investing with binary trading. Told me he could flip the cash into more and I would just pay him a percentage out of it. I even talked to him over the phone on XXXX, I sent {$1000.00} through XXXX and waited, then there was nothing deposited yet, he then messaged me saying a XXXX irs fee that will be refunded, and I told him I didnt have that much that I only had {$400.00}. He told me to send the {$400.00} and XXXX help with the other {$300.00} since Im a first time customer. But I sent the {$400.00} to a different name and a different XXXX  account. And he kept telling me to wait a sec and I was waiting. He then told me to go to my settings and to change my email address and I did not know what I was doing and he got into my XXXX account and logged me out and I tried to get back in and he had already changed my password and phone number and email address that was associated with my XXXX account. I can no longer get into my XXXX account, and the scammer is now using my account to message my friends on XXXX and trying to scam them as well. As soon as I was logged out of my account I knew I was scammed and I immediately contacted my bank and told them what had happened and they filed a claim for me and today XXXX XXXX I called the bank to check on the status of the claim and told me that my claim was closed due to me making an authorized payment through XXXX. I asked my bank what I would need to do now but told me there was nothing I could do that my claim was closed and that I was not gon na get my money back.

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 2022-10-07
Company: Experian Information Solutions 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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$0.00}

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have an incoming domestic wire transfer and my bank Wells Fargo has held the money for compliance for an unknown amount of time. Theyve also disclosed that they dont have anyone assigned to the case and cant give any information about times. They did tell me through a banker what they need to release the hold once its assigned an investigator. I gave this information to the original bank and they promptly sent over the requested info. It is my opinion that it is being held due to the culture of the names involved in the domestic transfer and it is upsetting to be profiled. To be clear another transfer has occurred with both parties through a different bank without any problems it appears Wells Fargo is the only one with an issue.

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 2023-02-11
Company: XPRESS CREDIT MANAGEMENT, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been harassed, threatened, and called at work multiple times. This debt was from a business that is closed permanently. The collector is calling a new place of employment and getting the names and emails of anyone that answers the phone. They have added the emails of other co-workers on my private debt and send them emails as well. Today I could not come to the phone. This collector named XXXX, called over and over until I was forced out of a room seeing a patient to take his call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
On, I believe XX/XX/XXXX I contacted my credit card company, along with the merchant, XXXX on a three-way-call to request a credit for a payment I made with my Citi Credit Card on XX/XX/XXXX in the amount of {$550.00}, which the merchant claimed she did n't receive. She stated the payment was processed via XXXX who in-turn should have made the deposit to her bank account, but she claims she did not receive the payment. During the three-way-call the credit card customer service rep confirmed that the payment was indeed made to XXXX. I was also able to see it on my account transactions. Well, at that moment we decided to request a credit for the {$550.00} and I agreed to make the payment via XXXX. ( This agreement between myself and the merchant was recorded by Citi Card Acct Services ). 
To my surprise the charge of {$550.00} was put into dispute, but then I realized, of course. There was to be an investigation. The dispute was investigated and the merchant provided proof of the transaction. Then, of course the payment was posted back to my credit card account. In essence I paid twice for the service provided once. I was confused about the whole process. I admit and have taken responsibility for my ignorance but I was also misguided by the Citi Card customer service reps. After getting an understanding of what had happened I requested that the dispute remain open via email on XX/XX/XXXX, which was the deadline for any other information I wanted to provide to keep the investigation going. 
In that email I asked the dispute dept to please contact the merchant again so they can confirm my story and that the merchant will not contest my dispute. I have been in contact the merchant throughout the whole dispute process and she agreed. They never did contact her. 

Then I received a notice, date XX/XX/XXXX that the dispute was closed. I contacted Citi Card dispute dept and spoke to XXXX, the Account Manager on XX/XX/XXXX and, to make a long story short she denied my request to keep the case open or should I say re-open it even with the proof that I contacted them before the deadline with additional info via email. 

What would I like the outcome to be? I would like for the Citi Card Dispute Department to reopen my dispute, get in contact with the merchant, XXXX and credit my account for the {$550.00} and/or to follow the paper trail and confirm that the merchant really did n't receive the payment. 
I am not denying that the service was not rendered I am stating that I made a duplicate payment of {$550.00}. 

I am hoping that you can please provide me with the assistance I need to obtain my money. I accept responsibility for my ignorance but I should n't have to be punished for 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 2017-04-08
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After XXXX hit XXXX, My father and I were informed that a new flood insurance was issued for our property for XX/XX/XXXX thru XX/XX/XXXX. We informed Shellpoint ( a mortgage managing company for New Penn Financial ) that we would not have gotten the loan in XX/XX/XXXX if we were not covered with Flood Insurance. Later my father and I leared we had flood insurance, but not for the period of XX/XX/XXXX thru XX/XX/XXXX. We ended up getting flood insurance from XXXX on XX/XX/XXXX, which extends through XX/XX/XXXX. I was informed by a worker named XXXX that we show flood coverage for day to date except for the period of XX/XX/XXXX-XX/XX/XXXX. If they wish us to pay for that period they could have requested the payment or add it on the mortgage as stated in the Deed agreement on record at the XXXX County Court House ( pg.5 of 14, # 5, Property Insurance ). Instead, Shellpoint set up an escrow account for taxes and insurance we have already paid. When we spoke to an attorney, she suggested that we make a complaint to the CFPB. I am tired of harrasment calls of being late with the mortgage payments. We have sent them the complete mortgage payment for principal and interest, and each month and they have the nerve to charge a late fee on the escrow payment which is not suppose to be on record. In the 11 1/2 years that the XXXX 's have owned this property, there has never been an escrow account. We informed Shellpoint that their escrow account was illegal and they would here from my lawyer, but on advise of an attorney, hearing from the Federal Government is better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have called XXXX multiple times to report correctly and erase my balance. I paid it off in XXXX and it keeps reporting I havent paid. They say they will fix it, but I havent seen a change. I asked XXXX to fix the report and they just disputed it again! I have disputed and called multiple times throughout the past 5 months with no change.

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 2023-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The Legal representatives of PORTFILIO RECOVERY ASSOCIATES - account number XXXX, ( i.e., XXXX XXXX XXXX - Attorney Code XXXX - XXXX, et al. ) ; files a XXXX XXXX action suit against me as the claimant, in XXXX XXXX, Alabama - Case # XXXX. The small claims states that their " records indicate that we purchased this XXXX XXXX credit account on XX/XX/2022 when the outstanding balance was {$720.00}. The problem with this false statement is that XXXX XXXX  had already resolved this matter as a matter of Identity theft and fraudulent activity. Therefore, the outstanding balance was then written off as a lost. I verbal and written statement was provided to the fraud department of XXXX XXXX  prior to any statement of collection by PORTIFILIO RECOVERY ASSOCIATES, and that information was then reiterated. In accordance with the Federal Trade Commission says youre not responsible to pay for charges or withdrawals made without your permission if they happen after you report the loss. Yet, PORTIFILIO RECOVERY ASSOCIATES, and their legal representatives still continue to make collection attempts. How do I stop this harassment?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06
Company: Professional Finance Company, Inc.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted by Professional Finance Company , Inc. in XX/XX/XXXX stating that they were attempting to collect a debt for the XXXX. I asked PFC to provide me a reference account number, any possible verification of the debt they claimed I owed, because I had never received any communication in writing or verbally regarding this claim. All I was informed of was that they were unable to provide any information validating the " amount owed '' and that it was from the year XX/XX/XXXX. I immediately contacted the original creditor, XXXX and had the amount paid in full and my account put back in good standing. In XX/XX/XXXX, Professional Finance Company , Inc. reported the CLOSED, PAID IN FULL amount to the credit bureaus without any attempts to contact me. In addition, This debt was never owed to them. Now my credit report reflects inaccurate information. I demand that this be removed from my credit report immediately, I have filed a dispute with XXXX to have the inquiry removed. This is false, inaccurate information being reflected on my Credit Report. The debt was already paid and was never owed to Professional Finance Company , Inc .

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited two checks into my Wells Fargo checking account on XX/XX/2019. It is now 7 days later and the funds are not yet available in my account. One of the checks was certified and drawn from XXXX. I contacted the branch manager at Wells Fargo and spoke with XXXX XXXX XXXX. She told me the funds are available at Wells Fargo however, that she will not be releasing the funds into my account. I then spoke with XXXX XXXX, the district manager. XXXX said he has no idea where the funds are at this time and also, that the funds may be rescinded by the issuer of the checks, despite the fact that one of the checks was certified. I am deeply concerned as I am now confused and terrified by what these managers at Wells Fargo are telling me and would like to know where the funds are, at this time, and when I may expect to receive these funds in my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have banked with Bank of America for several years. Seven months ago I went to the local branch located in XXXX XXXX, WA XXXX. I could not withdraw money from my atm card. I spoke with a customer service representative at the local bank and I was then told there was a freeze on my account due to fraudulent activity I was told. I spoke with a bank manager and he stated that there will be a investigation. I asked how long will it take 30 to 60 days. After two months, I got the same story. I have called several different people from the XXXX number to going back to the bank and speaking to the local branch manager. 
I have had direct deposit from my employers : XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX for several years. I have over {$6000.00} in employee wages that the bank refuses to release. 
I have called, I have waited and I am still getting the same answer seven months ago. 
I would like a full investigation in on 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 monetary relief
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, 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, the victim, was not aware of the fraudulent activities on my credit history. I noticed between the month of XXXX 2023 when I could not get approved for a vehicle and my credit started to decline. These actions were not taken by me. At the time, I was between the ages of XXXX trying to build my credit score and did not know anything about credit cards let along credit fraud. One account is within the amount of ( XXXX- {$11000.00} ) and the other ( XXXX XXXX {$4000.00} ) is wish to be removed as for my credit will rise and I wouldnt have to keep coming across this hassle.

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