BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-11
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX reported never receiving payments my account was on autopay. After my XXXX was sold I had no way to access this card company account because it was XXXX only platform. I was not aware the card was being used and to my knowledge I had erased my information. From the XXXX however XXXXXXXX XXXX calls me every day with new balances owed. The auto payments were taken out of my account but I somehow have a new balance of {$800.00} after disputing charges I wasnt able to access or see and talking to them the balance was at {$0.00} and closed. Now theyre reporting past due balance!

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 2023-08-01
Company: W&A Intermediate Co., LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a debt collection, that was sent to the wrong address. The letter is dated XX/XX/2023, was sent to south dakota, however, I am a military  member with the XXXX XXXX working in california. I do not have the 30 days to respond, because there response time line is XX/XX/XXXX. 

The account number is XXXX, through wakefield and associates. The disputing party is XXXX XXXX, California. I do not recoginze that name. I do not have proof of the debt, and if its what I assume to be a medical bill collection through XXXX XXXX  XXXX XXXX ; that debt is a workers compensation claim that I have already attempted to settle through my employer, but they fail to send payment. Otherwise, I am not responsible for this debt, and Wakefield and associates needs to cease and decist, contact the appropriate parties for the collection of any medical payments. This is the second time and I am being harrassed for an obligation that I am not responsible for. 

Also, I tried calling wakefield and associates, but the refuse to answer the phone. I have left two messages. I also attempted to communicate via their chatbot, attempted to enter my account number, but the XXXX  digit entry box will not accept XXXX, which is the account number on their notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged for XXXX overdraft fees for items that were not time stamped and happened to be transactions that could be charged a fee. I deposited a check via the mobile app for {$27.00} on Saturday, XX/XX/XXXX of which {$0.00} was made available ; but would be available to cover items on XX/XX/2017. Over the weekend all the transactions for debit card transactions were posted to my account along with a withdrawal that I made at an ATM for {$100.00}. Per the account statement I had an available balance to cover the {$100.00} withdrawal, but Bank of America charged me a fee. Additionally, the items that posted that were debit card transactions were not charged a fee because I do not have overdraft protection and those transactions are not allowed to incur fees per regulations. The fees that were allowed, according to Bank of America, were not " time stamped '' so that bank posted them last and charged me {$35.00} per transaction because this was a withdrawal from my account. Again, I have opted out of overdraft protection, so those transactions should have not been paid. Also, I was charged {$35.00} even though those transactions occurred prior to many other of the transactions that have already posted. The fees were incorrectly added to my account. I contacted Bank of America to explain the situation and they would not reverse any of the fees. The only fees they charged to my account were the ones they could and they did. Bank of America would not provide me with any information about when the items posted and why that these three specific transactions ( which one was an ATM withdrawal ; I would think it has a time and date when it was withdrawn ) were not time stamped and caused the account to be accessed three late fees. I wanted to clear up the balance issue right away, but was unable to because of these incorrectly assessed fees. I wonder how many other customers are getting fees charged by Bank of America because transactions are not " time stamped '' which causes an inaccurate posting of the transactions which then causes a fee to be assessed? I know in my case I was charged three fees due to inaccurate posting of the transactions, which happened to be the transactions that Bank of America can assess fees on.

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 2022-12-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Manhattan Beach Venture, LLC
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had been on-line looking for a way to get student loan relief. Found a website and phone number for Student Loan Relief Department. I called the phone number because I thought it was a good idea, and I would get my student loans forgiven. 
I talked to a young gentleman, who seemed very friendly and knowledgeable about the 'process, ' gave out a bunch of personal information, including my XXXX ID. I was told I was approved and was sent to a third-party group to get set up on payments. After finishing the phone call ; I went on-line to do a little more research, and what I found scared me. I then called my banking institution, cancelled my debit card. Then called all XXXX of the main credit reporting agencies and placed fraud alerts on my accounts. After, that I called my local police department, and submitted an incident report with them. 
I also submitted a 'notice of cancellation, ' to Manhattan Beach Venture LLC and Student Loan Relief Department , and am waiting to hear from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
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.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XXXX, XXXX, and XX/XX/2023 I requested that all invalid information such as incorrect name and address be erased. As of today, they have not done it, The names aren't mine and the address 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 explanation
Consumer complaint received 2023-01-24
Company: SERVICEMAC, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am obligated to carry mortgage insurance until I have 20 % equity in my home. I reached 20 % equity in XX/XX/XXXX. I requested to have my PMI removed. After filling out a form and paying a {$150.00} fee on XX/XX/XXXX, I expected to have a response on my request no later than XX/XX/XXXX ( as the form I filled out stated that " Within 45 days of receiving your request if using original value or the completed BPO or appraisal if using current value, we will determine if your loan qualified for PMI removal and provide you a written response. '' Instead, I have received no response and was charged PMI on XX/XX/XXXX. I called ServiceMac ( my mortgage loan servicer ) today and was told they misapplied my {$150.00} payment and that they can not be certain that I will have my PMI charges removed prior to being charged again. I have no insight into how the " fixing '' of the misapplication will affect my loan balance or my right to have my PMI charges removed ( a premium charge that, given my equity cushion, does not create any value for me at this point ). I was told that I would not be given any update on what is happening with my loan for at least a week.

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 2023-10-31
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XXXX XX/XX/XXXX- I applied for an American Express XXXX Credit Card which had a Promotional Offer of 0 % APR interest for 15 months for a balance transfers and XXXX  % APR interest for new purchases for the first 15 months of opening the account. The Balance Transfer fee was XXXX  %. 

American Express made me read the Terms and Conditions of the card and I printed them out at XXXX PM ( See Attachment XXXX ). At XXXX PM, I received an email that I was approved for the card ( See Attachment 2 ). 

I borrowed {$5000.00} from American Express and used the funds to pay {$4000.00} towards a high interest credit card and another {$1000.00} towards another high interest credit card. The Balance Transfer Fees charged were {$120.00} and {$30.00} dollars, respectively. ( See Attachment 3 ). 

When I received my statement today XXXX XX/XX/XXXX, along with the {$150.00} Balance Transfer Fee, American Express also charged me {$64.00} Interest and and additional {$1.00} Interest Charge on Promotional Balances, which is an additional interest charge on the Balance Transfer. ( See Attachment 4 ) I was supposed to get XXXX months, XXXX  % Interest on this card for my Balance Transfer. I called American Express and told them I printed the Terms and Conditions at the time of application. The representatives bounced me around to different representatives and would not help me. I told them I was filing a CFPB complaint for not complying with the conditions they promised me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: WELLS FARGO & COMPANY
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX we received notice that the Wells Fargo Bank closed our account on XX/XX/XXXX without notice resulting in 7 checks that were returned for NSF and incurring a penalty. My husband immediately phoned to find out why such a measure was taken. This had been our primary account for more than 15 years to pay our bills and pensions being automatically deposited. We also had enough money in the account but the Wells Fargo sent us a check for the balance of $ XXXX though the regular mail. The answer given was that I was still listed as residing in XXXX!! We have lived in XXXX, XXXX since XXXX and my name was on the checks and we had written to the Wells Fargo Office in XXXX that Hawaii was our permanent address. The executive customer person was very unhelpful and unapologetic. She said they had let us know through our Mobile number and blamed XXXX. That is a lie ... ..they do not have our mobile number. Then she claimed they mailed a letter to the address in XXXX, where we previously lived. That is another lie... .had a letter been mailed it would have been returned to Wells Fargo with address unknown. We were furious that 7 checks would then incur penalties for NSF. We phoned many times each time being told I was a resident of XXXX. I have a letter written in XX/XX/XXXX advising them that we were permanent residents of XXXX. Why they did not check their files is the question. This caused us many problems and we spent weeks trying to notify all places involved. This action may reduce my credit rating. We then received another letter from the same Exwcutive Customer Service Person saying they are not responsible for any penalties. I believe they are responsible, They closed our account without properly notifying us. They never sent us any type of notice. Please note they would not close our $ XXXX CD. We had to phone many times. Why could they close our checking account but not allow us to close our CD, which incidentally was earning a mere 0.06 %!!.

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 2021-11-28
Company: STERLING JEWELERS, INC.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit. Please delete the item as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, 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:
In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the XXXX  has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: WA
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 entered into a 6-month mortgage forbearance in XX/XX/XXXX with XXXX because my husband was laid off due to the pandemic. As soon as my loan entered the forbearance period ( XXXX ) and I stopped making payments XXXX reported to the credit bureau that I had missed my payment. I, unfortunately, did not notice this immediately because I was told by XXXX  not to be concerned with the late payment notification on my online account. At the end of the 6-month period, I made a request to extend the forbearance for 2 more months ( XXXX - XXXX ) which was when my husband would begin his new job. They granted my request for an extension but again reported that I did not make my XXXX mortgage payment to the credit bureau. At this time my parents, who are consignors on my loan applied for a second mortgage for an investment property. During their application process, they realized that XXXX had made multiple missed payment reports which had severely lowered our credit scores. At this time both my consignor and me made several attempts to contact XXXX to resolve this issue with minimal response. XXXX promised to fix the issue, fixed it, then again made negative reports causing us to begin the whole process of resolution over again. At the end of the extended forbearance period I was ready to begin making payments ( XX/XX/XXXX ) again on my mortgage but XXXX notified me that the paperwork was taking longer on their end so they were extending the forbearance for 1 more month. Again, they reported that I had missed my payment for XXXX. As of XX/XX/XXXX, I have officially exited forbearance and made my first mortgage payment to XXXXXXXX XXXX. As of XX/XX/XXXX, I still have 2 missed payment reports on my credit and my credit score has dropped 200-300 points. I have been denied for a small loan and have had one if my credit accounts closed due to the derogatory marks. My parents were finally approved for their mortgage after extending closing several times and settling on a higher interest rate loan. The time spent trying to contact XXXX, the stress this has caused, and the financial repercussions are still impacting us.

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 2022-03-18
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:
XX/XX/2022 1. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX 2. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX Account Number : XXXX 4. Validate Account XXXX XXXX XXXX Account Number : XXXX 5. Validate Account XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am currently unemployed due to the fact I was XXXX  by my boss and my hours were cut so drastically and I no longer could deal with the fact that she was still retaliating against me and the company was failing to do anything as well as the union so there is a lawsuit against them for that so I contacted my loan servicer Citizens Bank for my auto loan I was informed that they could do a two month extension at the time and I called back today and was told that that is not allowed that is not there policy because I already had an extension earlier this year due to the same issue is listed above and the lady was extremely rude I asked for a supervisor and she transferred me back to the main menu and they will not withhold their part of the bargain where the employee told me that I would have 2 months deferment where I had to pay the interest I had already paid the interest amount and I was lied to or I would have done my best to make sure I got the payment money borrowed or done something to avoid the late report that I'm going to receive from the company on my credit next month as I have 100 % on Time payments until this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, 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:
XX/XX/2022 1. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX**** 2. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX** 3. Validate Account XXXX XXXX XXXX Account Number : XXXX**** 4. Validate Account XXXX XXXX XXXX Account Number : XXXX**** XXXX. Validate Account XXXX Account Number : XXXX

Company response to consumer: Closed with explanation