BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: TX
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:
I recently reviewed a copy of my credit report. I was Shocked to learn that I have been a victim of identity theft. I found numerous accounts and inquiries on my credit report that were not open by me. This has been hurting me as I am in the process of getting a home for my family. Please remove the fraudulent accounts and inquiries from my credit report as soon as possible.

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 2020-10-03
Company: RS Clark and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I rented a washing machine and it stopped working completely. I had to take all of my clothes to a public laundromat. I contacted the company and they made several repair appointments but never showed up. In turn, I stopped paying for the washing machine and then schedule to have them pick up their machine. They took a long time to pick up the machine and at the same time kept billing me. I told them that I would not pay for a machine that quit working. 
One day I checked my credit report and saw that they were on my credit report as RS CLARK & ASSOCIATES. When I called the company I was very upset and still did not believe I owed them anything but because I am working on my credit when they told me that they would pull the bad report back so I could pay, I decided it was worth it. Only to find it on my credit report but marked as paid. That was not what was agreed upon. The payment manager for XXXX  XXXX  told me that RS CLARK & ASSOCIATES was part of their in-house collection and that if I agreed to pay they would pull the account back and off of my credit report. There was supposed to be no trace of them on my credit report, not even as paid because paid makes no difference in terms of dragging down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$13000.00}, {$6000.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not 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 2023-11-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX my company charged my customer credit card for amount of {$29000.00} through Wells Fargo Merchant services ( my Company had used this merchant service more that 2 years, since XXXX As a normal Wells Fargo Bank should transfer my money to my Business checking account in 48 Hours. 
After that Transaction I had other customer the next business day and I charged his credit card for amount of XXXX and Wells Fargo should transfer my money to my Business checking account.

After 2 business day I haven't received my money and I called to Wells Fargo Bank to see why they don't transfer my money, they told me my merchant account is under Risk Department review and they will hold my money until the review complete.

After that Wells Fargo Merchant Services sent mr an email and ask for some verification documents ( Customer Name, Address, Email, invoice ). I have sent that all requested documents to them but haven't heard back from them. I called them and they told me they gon na hold that money ( total XXXX $ ) for the risk of Dispute. 
Now after 14 months from that Transactions they still hold my money and never give me a date when they will release that. I asked them if you have any dispute charge on my Merchant account for 3 years and their answer was NEGATIVE. ( NONE DISPUTE ON MY MERCHUNT ACCOUNT AT ALL ).

I have hired a Lawyer for follow uo my case, he had some conversations with them but still they don't give us any date for release my money. 
It is SCAM how they can hold my money if there is no risk for dilute ( 15 months gone from my transactions and if someone would dispute this transactions has done already, but as I said there is NO dispute at all )

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 2022-09-16
Company: Genesis FS Card Services, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have been repeatedly contacted by a XXXX XXXX on behalf of a Milestone Mastercard account that I have been trying to dispute. My brother did a lot of fraud and identity theft on family members, I'm not sure this debt is mine and have asked for confirmation in the past. I never get it, and they stop chasing me a while. I moved almost two years ago. I was contacted today saying that they have sent legal documents for proceedings against me. I told the person that I haven't lived at the address they were sent to for some time. I get bumped up to what I am told is a legal case XXXX, who proceeds to tell me that she refuses to allow me to contest the debt as she is already in legal proceedings against me over such. We wind up in an insult match where she tells me that she will have me in court and take money from me regardless. This is heated, unscrupulous behavior. This agency knows full well that I have attempted to refute this debt on every occasion they have contacted me, and now that they know I have not received the filings sent to me are still trying to pursue this debt I ask to contest. 
I need immediate assistance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: FC HoldCo LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car loan with XXXX XXXX for the past XXXX years and have been requesting a amortization schedule or the ability to view my account monthly as far as how my payments are being posted ( as far as interest and principal payments ). In the last 6 months I have requested this info 4 times and have yet to receive any useful information. I am told by customer service they send the info to my email address each time and I have not received anything from them. The website only shows the current balance and I feel that balance is not correct since I paid XXXX extra in payments over my monthly payments that I am not sure have been posted. Also, the balance that shows changes daily ( customer service says because interest is accrued on a daily basis. ) The only thing that the website is good for is making payments and looking at a balance that might not even be correct. 

I feel that a detail copy of your account should be something that the customer should not even have to request from them. After I got this loan I have read so many negative things about this company that I just want to be able to monitor my payments and try to pay it off as soon as I can. Also, my account number has been changed but I was told by customer service not to use the new account number. Question? If it is not the number I should be using then why was it changed? No one seems to be able to answer that question? I'M JUST SAYING!!!!!!!!!!!!!!

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 2023-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Victim of Scan/Fraud Dear Consumer Financial Protection Bureau , I am writing to report a Scam/Fraud. On XX/XX/XXXX, I received a notification from XXXX of a website regarding an auto action. That same day I registered on the website of following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX On XX/XX/XXXX, I made a bid for a XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received a call from XXXX and I was notified that I was the winning bidder for {$37000.00} and I was given wire instructions to wire {$37000.00} to the following : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Registered Agent Name : XXXX XXXX XXXX Bank Name : Bank of America XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX Routing Number : XXXX On XX/XX/XXXX, I authorized XXXX XXXX XXXX to wire funds to Bank of America for I believed I won a car through a legit auto auction and paid in good faith. I notified, XXXX at XXXX that I had wired the funds, and I was emailed a notification that the car would be delivered to me on XX/XX/XXXX, between the hours of XXXX to XXXX. Later I found on the Night of XX/XX/XXXX, that the website of XXXX no longer existed. On the morning of XX/XX/XXXX, I called XXXX at XXXX XXXX and to this day no one has returned my calls. 


I am asking Bank of America to protect me as a consumer. They opened an account to XXXX XXXX XXXX XXXX XXXX, which was registered to XXXX XXXX XXXX, which is a Scam. I in good faith wired funds of {$37000.00} to purchase a car that I won from an auto auction that I believed to be legit. Which turned out to be a total and complete scam. Please reverse the wire and send funds back to my XXXX XXXX XXXX account for {$37000.00} for I am a victim of fraud and should not have to take a loss for a scam that started in your bank. 

Please note I have filed a complaint with Federal Trade Commission, report # XXXX and the XXXX XXXX XXXX Department, report XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FBI, Federal Reserve , Office of Comptroller of Currency , and XXXX XXXX XXXX XXXX Please reach out to me at XXXX. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-11-08
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Here are all the documents Barclays has asked for. This is getting exhausted that Im being told Im responsible for fraudulent charges that are not mine. There are charges on the account that have been charged over 3 times as well. 

This whole investigation is a mess. I have police reports and statements showing the marked fraudulent charges. Im giving Barclays 1 more chance to correct this. 
I have contacted an attorney and they over looked all this and have stated I have a strong case. A representative marked some charges as fraudulent which theyre not and is making this whole case a confusion. And Ive stated that before. Barclays thinks because of that 1 charge that I should be held responsible for the other 30+ charges which is FALSE! I have attached the statements for each account and putting a CHECK MARK on which charges are fraud. 

Please re credit all the charges Ive marked on the attached documents or we will peruse with an attorney instead.

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 2023-04-19
Company: Genesis FS Card Services, Inc.
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:
I received two letters, both dated XX/XX/23 from Genesis FS Card Services about a Destiny Mastercard Account. One says thank you for updating your address, the other says the account is temporarily blocked and asks me to provide identify verifcation such as faxing a copy of my drivers license. I wasn't sure if this was a phishing scam or if someone opened a card fraudulently in my name. When I first tried calling, the number prompted me to enter my SSN to proceed, which I refuse to do. Today after looking at their website I was able to call another number and as I sat listening to the prompts for SSN repeat, it then gave me the option to connect with an agent without putting my SSN in. However, then the agent asked for my SSN ( nope ) and claimed she couldn't find an account based on name, address, and last 4 of the account stated on the letter. Then when I asked for the fraud department they found it. However, they won't tell me where or when this was opened or if it's a store card or anything. They opened a fraud investigation but won't give me a case # just the agent name and #. They don't have an email address I can communicate with in writing, only a XXXX XXXX or Fax #. On XXXX XXXX XXXX, there are several complaints of similar incidents happening. CFPB needs to investiage whether this is a scam trying to get customers to open a credit card with them, or a phishing scam, or if there is rampant fraudulent practices going on with people opening fraudulent cards with this company. I have not seen a pull on my credit, which I would expect when opening a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: WELLS FARGO & COMPANY
State: WA
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 am reaching out to you in regards of a credit decrease in multiple credit cards. I had a limit decrease with Wells Fargo furniture credit from XXXX -- > XXXX. I have been a card holder with them for three years and I have had good payment history with them other then a few months back. I paid off my amount that way I avoid anymore late payments. Once I paid off the amount I owed they lowered my limit. I reached out to them and they didn't give me an answer on their end. I was told to reach out to the credit bureau to resolve the issue. I reached out to XXXX XXXX credit and they informed me it wasn't on their end. They advised me to reach out to you guys since they cant give me an explanation on why they decreased my credit limit. During the time that this incident happened the same thing happened with XXXX XXXX XXXX XXXX where they decreased my credit limit. I am not wanting to make any big purchases. However, this has made a negative impact on my credit for the decrease of credit limit. This has made it hard for me to be able to move forward with purchasing a home.

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 2022-09-16
Company: CORELOGIC INC
State: AZ
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:
Fraudulent inquires by the following companies without my consent. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX loan. XX/XX/XXXX Credco XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX US SM BUS Admin XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello There, I had applied and got the Bank of America Preferred Rewards credit card which has an charge of {$95.00}. In all their Promotional material it says get up to {$200.00} in travel statement credits with {$100.00} towards airline incidents such as seats, baggage etc. Please refer to this link : XXXX XXXX XXXX So I paid {$200.00} for 1 Bag on XXXX XXXX XXXX XXXX XX/XX/2023 for travel from XXXX to XXXX to XXXX for which I didn't get the {$100.00} credit. On calling the customer support and raising the ticket I was informed about the Terms and conditions has a mention on which Airlines are allowed. As an average credit card user, when you look at the above link, there is no mention at all that the travel incidents apply only for certain airlines like there is no asterisk or any other sign. Also in their promotional material there is no mention of any restriction so I didn't look into the terms and conditions. 

Now my issue is that Bank of America is grossly misleading people in believing that {$100.00} credit applies to any airlines in their marketing material with no mention of conditions apply or an indicator like asterisk that it applies to certain Airlines only. How are we supposed to know to check on such fine print? 

I request you to please look into my case and help me with some resolution. 

Thank you! 
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 monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: LA
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2021-06-10
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been a customer of Wells Fargo for about 3-4 years now. And over the past two years they have allowed charges on my account to be processed without sufficient funds being in the account. I have been charged {$30.00} for each transaction. As I stated to the few representatives I spoke with. I never signed up for over draft protection or authorized the bank to process charges on my account without adequate funds to support the transaction. They have admitted to their wrong by sending me a {$50.00} dollar cashiers check. If that is the case I feel that I should be reimbursed for every over draft protection fee that I had to pay. Not only did they collect these charges from me during a global pandemic, but they have not called me with a resolution. I recently received a statement in the mail and Im not sure if they have removed the negative account balance but to get to the bottom of this issue I would appreciate if the CFPB intervenes on my behalf.

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