BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am on my 2nd time requesting bank of America to file a appeal on there decision to deny me my claim I filed on XXXX & XXXX ( filed dates of claims ) .that I received a letter from Bank of America that supposably i had {$4800.00} in my account from a servicing office that refunded my account so when i called the bank to request a debit card they said there's been 2 issues out already so I then ask them about this letter that I received saying I had credited returned funds in my account I was then told i only had XXXX XXXX on my account i said hows that if im receiving this letter saying i have funds so i filed a dispute fraud dispute a week and a half later got denied was told that a letter was sent out 10 days from complaint that i was denied never recieved any letter and then again today XXXX 14 days after still no letter called today and was told I was denied and once again a letter was sent out yesterday supposably to inform me that I've been denied so now with no 10 days and we'll credit a account upon investigation nothing nothing nothing... So I filed another complaint upon there decision and was told I can't be credited they have no documents upon why they made there decision to deny my fraud complaint and transaction complaint don't have them documents nor can distribute them that's for banks only to have or get witch is XXXX  so can I please get some help

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 2023-09-01
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Do too covid a new payment agreement was made do too do everything closing down. A lump some of money was paid over XXXX dollars is what they ask for too make the agreement of paying XXXX dollars a month. The company verbal agreed too this dollar amount and I ask for this Agreement too also be sent by mail. They did not do so the payments has been paid on time every month and there still reporting all payments late. From XXXX until now of XXXX I have requested over and over for them too change they refused too and said the payment is still late! If there is agreement of change of payment I asked how are the payments late you are getting paid every month on time and the payments are on automatic withdrawal how can it be late the whole world was shut down and the payments was still being paid do too hard ship not working they agreed upon XXXX dollars a month and no payments have been missed According too code 1666b and code s1006,18 is a violation I have reported this info too credit agencies about this and I was told the information was correct well I have information that shows different not only that they reported the information late every month they also tack on late fees as wellso not only they reported the payments late every month they also add on extra fees for late payments I have called the company about this more than once and they refuse too report the correct information this has effect my way of living as well reporting false information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: AR
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:
I am XXXX XXXX and I am submitting this CFPB Complaint to you today to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I need you to remove the following items off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX  / XXXX Opened XXXX XXXX, XXXX Balance {$130.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$75.00} XXXX XXXX XXXX : XX/XX/XXXX. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA. I demand that you remove these fraudulent items from my credit report immediately, and provide me with a written confirmation of the removal. Failure to comply with this request will result in legal action against you, as I will not tolerate any further damage to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
in XXXX of 2022, it became impossible for me to make my mortgage payments and I began missing the required monthly payment in XXXX. During this time I submitted many detailed requests to Wells Fargo asking they verify the contract, produce a wet ink signature contract, and provide a detailed accounting of the account each time they sent items that were not specific and detailed. They never provided a detailed accounting for me and many times stated invalid UCC codes or stood behind claims of proprietary information. I also provided them with a promissory note in XXXX and they refused this payment, but kept the note, not returning it or acting on its delivery. I have since borrowed some money and caught up on my delinquent payments. My account is in dispute and they have charged late fees, improperly damaged my credit at the reporting agencies, and not kept my information private and secure. I also pulled a XXXX XXXX with the XXXX XXXX XXXX XXXX in my name and can find no liens. How is it that Wells Fargo is reporting information about a mortgage account when no lien is filed with the XXXX XXXX XXXX? The actions of Wells Fargo acting in this manner and not following the ruling and procedures of the XXXX XXXX XXXX XXXX XXXX, Fair debt collections act, and XXXX have harmed me in a manner currently unimanagable.

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 2022-03-04
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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2020-12-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have repeatedly submitted a dispute to have a USAA credit card removed from my credit report. I am only an authorized user and not the primary account holder. I no longer have access to this account nor am I responsible for any past balances or future charges on this account. XX/XX/XXXX refuses to remove it even though XX/XX/XXXX and XX/XX/XXXX have removed this account from my credit report with them. 

I have tried to contact USAA to have me removed as an authorized user ; however, the company refuses to speak to me about the account since I am not the primary account holder so I can not even get past the first person to ask to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Summary : I am a victim of an elaborate job posting scam that began XX/XX/2022 which led to me sending a recipient two XXXX  transfers using the XXXX service offered thru my bank Wells Fargo on XX/XX/2022, to pay for training materials and a laptop. Note the scammer had sent me a check for XXXX the day before, to cover the XXXX XXXX transfers however it turned out to be stolen. 

1st XXXX transfer was done XX/XX/2022 at XXXX EST. 
2nd XXXX transfer was done XX/XX/2022 at XXXX EST. 
At XXXX the scammer then requested I locate a " XXXX XXXX '' ATM right away to exchange XXXX cash for XXXX. I did not complete this request and I called Wells Fargo at XXXX to report the scam transaction and to have the XXXX transfers reversed. They left me with the impression I should get the funds back in about 10 days but that didn't happen. 

Notices I received days later via us post office from Wells Fargo : 1 ) Notice dated XX/XX/2022 acknowledging fraud claim XXXX submission and that they are looking into the matter. 

2 ) Notice dated XX/XX/2022 stating they determined the payments were processed as requested however as a courtesy they will continue to attempt to assist with a resolution with the receiving financial institution. 

3 ) Noticed dated XX/XX/2022 stating the two XXXX transfers have already been approved and processed and they are unable to stop or reverse the funds. Also they notified the receiving financial institution and XXXX Network about the scam and they submitted a request to have the funds returned however it is not guaranteed. They have closed the claim. 

It is a very poor business practice to process XXXX transactions without a reasonable window of time to reverse the transaction especially with the number of scams happening these days. Note these ( 2 ) transactions were to purchase a laptop and training materials and even though it was under fraudulent pretenses, I paid for something I didn't get and Wells Fargo and XXXX should provide a form of purchase protection if not like one receives with credit card purchases. 

I have a lot of support documentation to provide if needed : Initial text offering to engage in an interview with a link to access the scammer Chat history using XXXX application with the scammer Image of stolen check and the XXXX envelope used to send it to me. 
Wells Fargo notices received in the mail as described above. 
Documents provided by scammer : Job Offer Letter, Code of Business Conduct, I-9 form and W-4 Screen shots of the XXXX transactions Screen shot of the call time to Wells Fargo to report the fraud Emails between myself and scammer and more. 

Thank you kindly in advance for any help you could offer in getting my XXXX 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 monetary relief
Consumer complaint received 2022-12-15
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Venmo, a subsidiary of PayPal, has a " Transfer Balance '' screen that tricks users into performing an " Instant '' transfer that charges predatory fees. 

The screen always auto defaults to " Instant Transfer '' which will initiate a predatory fee. 

In my case, I transfered {$520.00} to my bank account from Venmo and was charged a {$9.00} fee. This transaction occured on XX/XX/2022 with Transaction ID XXXX. 

The difference between the free " 1-3 XXXX Days '' transfer and " Instant '' transfer is very subtle, even more so for me because I am XXXX XXXX. One wrong finger swipe within a few milimeteres is the only difference between a free transaction to a very costly one. 

I explained my issue to Venmo support and they were unhelpful and unwilling to refund the fee. I am asking that Venmo transfers not auto default to " Instant '' transfer and the differences are more accesible to XXXX XXXX individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
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: Credit inquiries on your report that you don't recognize

Complaint:
I found some fraudulent inquiries reporting on my credit report so I sent a letter to the credit reporting agencies on XX/XX/2021 but as of today XX/XX/2021 I have not received the results from the credit reporting agencies. I have filed an identity theft affidavit and sent into the bureaus with my personal identification and proof of address. 
These fraudulent inquiries still remain despite my submission of supporting documents. 
The list of creditor attached did not have my consent to run my credit and is a result of identity theft result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: PNC Bank N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Credit Card was issued from PNC Bank and it was used without my knowledge. My SSN is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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

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 2020-12-22
Company: EQUIFAX, INC.
State: NC
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:
After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Prosper Marketplace, Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Prosper XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was approved for a {$2000.00} loan, payable on the XXXX of every month in the amount of {$84.00}. Although I made a payment before the first due date the balance has not decreased much. In addition, I made payments prior to due date in the amount of {$90.00} per month. I have never seen the original loan document with scheduled payments, I tried to refinance the loan to get a lower interest rate but was denied a few months ago.

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 2022-10-18
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been in contract with XXXX XXXX to correct the problems with my account. I received a letter that said my credit scores would be adjusted and that has not happened. On my statement they are still showing erroneous late fees.. When Selene erroneously force place insurance on my account it generated additional late fees including inspection and other junk fees. I requested that they review my account and make adjustments to the late fees. There was extra money paid on my account which that they are holding. I asked that they apply the funds that they are holding to the late fees and then give me the balance to be paid. I spoke to one of their phone reps and she told me the excess funds could not be applied to my account until it reach a full mortgage payment and then it would be applied to the mortgage payment. I told her I want the excess to be applied to the late fee regardless of their policy ; after all it is my money.. I am paying 15 % interest and applying that money to a payment does not help me because of the {$760.00} payment only {$17.00} is going towards principle. The other thing I have requested is that when I request a payoff statement the the statement " Our records indicate the above reference mortgagor ( s ) is/are either in bankruptcy or has/have received a discharge in bankruptcy '' be remove as it brings up a red flag and impedes my ability to refinance the property. That is false and misleading information Selene is providing to other lenders. Their practices hurt the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Google Compare Credit Cards Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a " XXXX XXXX '' physical gift card for {$10.00} as a XXXX present. When I went to scratch off the back to reveal the code, the scratch off was defective and took off the code with it making the code unreadable. The card was obviously produced by a cut rate company in an effort to save money. I've never had any other store gift card have the code destroyed by pealing off the silver backing. 

I contacted the issuer of the card and sent them a picture of the physical " XXXX XXXX '' gift card showing that I'm the owner and that the back was defective. 

They refused to replace the card or give me the value of the card for their merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Checkr, Inc
State: HI
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:
I applied for XXXXXXXX XXXX as a driver to deliver food. XXXX XXXX run a credit report and it came up with wrong information. It said I was in a fraud investigation., and I'm on public assistance, not true I'm unemployed, someone used my identity for unemployment. I was involved in identity theft. All wrong information is given on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: TX
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: EQUIFAX, INC.
State: IA
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:
THOSE ACCOUNTS ARE DEROGATORY ACCOUNTS THAT HAVE BEEN HINDERING MY CREDIT, PLEASE INVESTIGATE THIS MATTER AND HAVE THIS ACCOUNT REMOVED OFF MY FILE. I HAVE BEEN VERY DISTRESSED  ABOUT THESE ACCOUNTS AND IT IS CAUSING SERIOUS DAMAGE ON MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: CCS Financial Services, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting Act # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Credit Collection Service Account Number. : {$320.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation