BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My Bank of America Credit Card was paid off in full at the end of XXXXXXXX XXXX XXXX  according to the current statement balance, so I was under impression everything is paid off and I don't owe anything to the Bank of America. To my surprise, I checked my account and XXXX weeks after I paid of my balance Bank of America charged me and Interest fee of {$210.00}. When I tried to call a representative she told me that their rule is that your balance have to be paid off for XXXX  months in a row. So basically BOA charged me Interest on {$0.00} balance. Completely illegal and predatory activity, that need to be prosecuted.

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 2023-04-27
Company: Experian Information Solutions Inc.
State: TN
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:
I am submitting this CFPB Complaint letter to formally request an investigation and correction of the following accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. 
XXXX XXXX XXXX Balance Owed : {$320000.00} - Please check the Payment History information of this account. The late history shouldn't be showing late because I believe I paid on time. Please adjust the late payments from this account, I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 
XXXX XXXX Balance Owed : {$43.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.

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 2022-09-30
Company: Chime Financial Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Unauthorized transactions to unknown person XXXX $ was sent to a random person on my chime card I never had no problem with chime until today there system is bad somehow some I work with scammed me out XXXX they sent the money to themselves after they found my lost phone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Because I am XXXX and they would not take my payment out of my Debit Card, like the last three mortgage servicing companies, I was forced to leave my home , drive to the bank, stand in line, get a cash advance from my other bank and either buy a USPS Money Order, or a Cashier 's Check , drive to the post office, stand in more lines and mail off a certified letter with the payment inside! All the while in excruciating pain!

When I told them I was going to refinance at a lower rate, they lost the next payment! They claimed that I missed two payments on my VA secured home loan about three years ago, but I did send the money to them in Certified letters that they signed for, but never credited to my account. They hounded me for over a year until I finally filed a law suite against them. They continued to report me late and hounded me for almost three years, and refused to deliver the materials he requested. Their actions caused me great physical and mental distress, huge expenses in both direct costs due to higher interest rates and lost opportunities. I was forced to sell my home to try to get away from them, which I did at a great loss. I could not buy a second home because of their malicious and false credit reporting. If they had not destroyed my credit, I could of had dozens of homes to choose from at then bargain basement prices, but which are now much more expensive, some even double as much! 
If you doubt any of this, call my Lawyer! He has a file two inches thick with my proofs AND all of the exact dates of this entire episode of their terrible actions!

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 2023-01-28
Company: EQUIFAX, 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:
I have been a victim of identity theft and I've continuously tried to resolve this issue with the CRA 's. I asked for them to complete a investigation of all the accounts in question and they responded claiming they have verified them all. It has been more than 90 days and they are still reporting Fraudulent and Inaccurate information. 

- DATE LAST ACTIVE is not CONSISTENT100 % ACCURATE through all 3 bureaus - LAST REPORTED DATE is not CONSISTENT 100 % ACCURATE through all 3 bureaus - ALL ACCOUNTS NOT REPORTING TO ALL 3 BUREAUS - SUMMARY BALANCES are not CONSISTENT 100 % ACCURATE I filed a FTC Report they received via certified mail. I have sent numerous letters expressing the FCRA codes they are VIOLATING furnishing this information without my written consent. As well asking them via phone to remove the information. They have yet to provide me a method of verification that verifies the information which they can not fund because THIS IS FRAUD!!

FCRA codes they are VIOLATING : - 15 U.S.C 1681 Section 602 A. : I have the right to privacy - 15 U.S.C 1681 Section 604 A. Consumer Reporting Agencies can not furnish a account - 15 U.S.C 1681i. If, after any reinvestigation under paragraph 1 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency SHALL promptly delete that item of information!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: LendingPoint Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I inquired online about a debt consolidation loan. They said Iw as pre-approved and that I just needed to move through some steps, so I did that. After I completed submitting the first round of information, a lady from the company called me. She said very clearly on the phone " we have the money waiting to transfer to you once you submit the additional documents. '' I am self-employed, so some additional bank statements were required. I could be wrong on the last few words of her sentence, but I know for a fact she stated very clearly that " the money is ready to transfer '' and tricked me into believing everything was good to go. I was then denied the loan after submitting the additional documentation and I feel very much like a victim of misleading techniques. Another representative who was " helping me '' has also been unresponsive when I inquired about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Experian Information Solutions 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 not 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 and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

XXXX XXXX {$17000.00} XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX  {$2100.00}

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 explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Months ago, I sent the three credit bureaus a letter asking them to remove this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 XX/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 non-monetary relief
Consumer complaint received 2018-05-09
Company: Experian Information Solutions 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:
I am uploading proof that the XXXX XXXX XXXX account was deleted off my XXXX   credit report. Experian and XXXX still have not deleted it off my credit reports. This information does not belong and is supposed to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i sent copies of police report and supporting documents stating i am victim of identity theft and they have not did anything to remove these accounts these debts are not mines. XXXX. Bank of America account open on XX/XX/XXXX  in the amount of {$5100.00} account numberXXXX XXXX. XXXX XXXX  account number XXXX opened XX/XX/XXXX  in the amount of {$8000.00} XXXX XXXX  account number XXXX opened XX/XX/XXXX XXXX in the amount of XXXX, The credit bureaus sent official letters stating that the items were removed but they are still reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been using Wells Fargo to make all of my bill payments. I set up my XXXX XXXX XXXX payment to pay XXXX monthly beginning on XX/XX/21. The Wells Fargo system automatically converted the payee to XXXX XXXX and would not allow me to alter and their system says this information was provided by payee so I proceeded to set up reoccuring payments. All of my payments were processed fine until my XX/XX/21 payment. When XXXX told me they had not received check I reported to Wells Fargo. Wells Fargo returned the bill pay check to me stating it was made to the wrong company and I received a late fee from XXXX, I called Wells Fargo to resolve issue and they said I set up account to pay wrong payee. Wells Fargo system does not allow you to change name of payee after original set up. So I went into set up another recurring payment to XXXX manually and the system automatically converted it to XXXX XXXX XXXX XXXX instead of 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 2018-09-06
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Problem is BBVA Compass Bank explicitly told me it takes them two days to process a payment. ( the representative told me this ) so if the due date is XX/XX/XXXX, and my banks online payment check arrives on the XX/XX/XXXX, the two days of processing incurs a late fee even though the payment arrived on time, the XX/XX/XXXX. In order to avoid the late fee, they claim I need to have the payment arrive two days BEFORE the due date. 

Most recent example was this : My bank 's online check ARRIVAL date was set two days prior to BBVA Compass Bank 's due date of XX/XX/XXXX. So the check arrived on XX/XX/2018 which is a Friday. The payment finally posted to my BBVA Compass Bank account on XX/XX/XXXX. XX/XX/XXXX is a Saturday, the XX/XX/XXXX is a holiday the XX/XX/XXXX is working day and they post the XX/XX/XXXX. {$37.00} late fee is charged. 

This is the fourth time I have called BBVA Compass Bank on this problem. They can not have a certain due date, then claim it takes two days to process and charge a late fee. They need to have the late triggered two days AFTER the due date if they want to process for two days. 
I called BBVA Compass Bank and they reversed the fee but charged a minimum {$1.00} in interest fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been a victim of identity theft and I've continuously tried to resolve this issue with the CRA 's. I asked for them to complete a investigation of all the accounts in question and they responded claiming they have verified them all. It has been more than 90 days and they are still reporting Fraudulent and Inaccurate information. 

- DATE LAST ACTIVE is not CONSISTENT100 % ACCURATE through all 3 bureaus - LAST REPORTED DATE is not CONSISTENT 100 % ACCURATE through all 3 bureaus - ALL ACCOUNTS NOT REPORTING TO ALL 3 BUREAUS - SUMMARY BALANCES are not CONSISTENT 100 % ACCURATE I filed a FTC Report they received via certified mail. I have sent numerous letters expressing the FCRA codes they are VIOLATING furnishing this information without my written consent. As well asking them via phone to remove the information. They have yet to provide me a method of verification that verifies the information which they can not fund because THIS IS FRAUD!!

FCRA codes they are VIOLATING : - 15 U.S.C 1681 Section 602 A. : I have the right to privacy - 15 U.S.C 1681 Section 604 A. Consumer Reporting Agencies can not furnish a account - 15 U.S.C 1681i. If, after any reinvestigation under paragraph 1 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency SHALL promptly delete that item of information!!!

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 2023-04-27
Company: Experian Information Solutions Inc.
State: MI
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-01-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Wells Fargo its trying to recovery a payment that I did and basically I dont have any debt with them. I just want to clarify this problem because its hurting my credit score.

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 2019-02-26
Company: CL Holdings LLC
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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I became aware of a fraudulent, hard credit inquiry for XXXX XXXX on my XXXX  credit report from XX/XX/XXXX. I placed a fraud alert and credit freeze at all three credit reporting agencies XXXX, XXXX  and XXXX. on XX/XX/XXXX. I called XXXX XXXX at their phone number XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to inform them of this fraudulent activity and on each occasion was informed that no account had been approved or created in my name and that the inquiry would be removed from my credit report. I also informed them of the fraud by email at XXXX on XX/XX/XXXX but received no response. I requested information from them in writing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX on XX/XX/XXXX and from XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX on XX/XX/XXXX but received no response from either. On XX/XX/XXXX I received a notice of collection from XXXX XXXX XXXX XXXX for {$1800.00} for XXXX XXXX Account # XXXX. I never received any billing or correspondence from XXXX XXXX regarding this account, where this transaction took place or what it involved despite requesting it as described. I tried to submit a fraud claim directly to XXXX XXXX electronically several times but I am always denied the final submittal despite supplying all requested information. I submitted an identity theft police report to the XXXX Police Department on XX/XX/XXXX after receiving the collection notice and getting nowhere with XXXX XXXX. I will attach the police report and letters sent to XXXX XXXX if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX alerted me that Bank of America had opened an unrequested credit card in my name. I was a co-signer only on my late father 's XXXX account. I called XXXX, and they cancelled the card. I asked for a copy of the application, which I'm entitled to, but they never sent it, which leads me to believe there was none, which indicates the bank itself initiated the application.

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 2022-12-08
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX FS XXXX Balance : {$34000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.

Company response to consumer: Closed with explanation