BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been a customer of Bank of America for 35 years and recently was a victim of XXXX XXXX on XX/XX/2023. I received a fraudulent bank check for {$1700.00} for an item I was selling and called BOA customer service and was informed the check had " cleared ''. I acted on this information and sent the money via XXXX to a " fraudulent actor '' only to learn that the bank check was counterfeit and BOA removed the {$1700.00} from my account. After a 4 month investigation, BOA informed me that I received " misinformation '' from their customer service and that they provided the customer service representative the necessary education to ensure " this will not happen again. '' They refused to reimburse me for their customer service error. BOA has already brought this case to their " lawyers '' attention and I have brought this to the attention of the president of BOA ( XXXX XXXX ). Customers of BOA need to know they have no concern for their customers when they are victims of fraud even when they are partly to blame.

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 2023-04-30
Company: EQUIFAX, INC.
State: AL
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 request the removal of inquiries from my credit report that are not tied to an active account. As per the 15 U.S.C 1681 Congressional findings and statement of purpose, I have the right to request the removal of inquiries from my credit report.

These inquiries are defaming my character and preventing me from obtaining a mortgage to buy a home. Despite submitting multiple letters and making several phone calls to your company, I have been unable to get a representative to assist me. Instead, I have been transferred from one person to another without any resolution.

Therefore, I kindly request that all inquiries that are not tied to an active account be removed from my credit report. These inquiries are not tied to an active account and are defaming my character, and I request that they be removed immediately. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: MECHANICS BANK
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been financing my vehicle through CRB auto for two years. I have proof of all payments made each month from the beginning of my loan with the confirmation numbers. There has been at least one, what they claim, to " accounting error '' each month with my bill. Online payments made are not applied to accounts correctly and the interest assessed on each payment far exceeds a compounded break down throughout the calendar year, according to the yearly APR signed and agreed to in the financing contract when the car was purchased. 
I purchased the vehicle in XXXX of XXXX, for {$16000.00}. To date, I have paid a total of $ XXXX in payments and still owe {$14.00}, XXXX according to my last statement as of XX/XX/XXXX. This company is criminally mishandling payments and illegally compounding interest rates weekly/monthly. 

My payment due date changed four times with no communication of the change or consent from the borrower, in the first eight months of the loan ( all of which is documented ). CRB auto has claimed missed monthly payments on billing statements online, and charged interest and penalties accordingly even though the payment was made ( confirmation numbers available to confirm and prove payment ). 

I have repeatedly called the company to have illegitimate late fees reversed and payments applied correctly to my account. I intend to pursue legal action against XXXX XXXX  for the repetitive negligent handling of payments and damages caused from such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NC
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-19
Company: Block, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
A woman got into my cash app and stole all of my money. Sent {$530.00} of my money to herself. I have reported to cash app and nothing is being done about it. I have been hung up on, denied access to a supervisor or manager multiple times. They were suppose to start an investigation but I can not seem to get any information about if the investigation is happening or any updates on my case. The case number for my cash app investigation is XXXX. The money that was stolen was the rest of my rent money and I am now facing eviction because of this matter. They keep saying they have no information or updates about it. I have not only researched the lady 's cashtag that she sent my money to but also found her XXXX and found her email address. Her location and also have evidence from her relatives and close friends that she has done this to people before. Which I have also submitted to cash app. When this happens to other customers they issue a provisional credit while the investigation is ongoing, not only will they not issue me a provisional credit but they will not answer my question as to why I can not receive one. When they finally did they said certain criteria of my dispute has to be met. So I asked what do I need to receive it and now they will not answer me at all. Can anyone someone please help me. I have all the evidence. Every transaction, time and date. I also have where it was reported that my cash app was accessed by a new device in another city I have never been to. Also the location is where the last lived who done this to me. Cash app will not help me on this matter or give me any information regarding my case. My name is XXXX XXXX. If anyone can please reach out to me and help me on this matter. I have a XXXX XXXX XXXX daughter and a XXXX XXXX XXXX son. I am a single mom, I can not be homeless with my kids because cash app will not investigate or issue the provisional credit like every other customer. I have no family or friends nowhere to go if my kids and I get evicted. I literally have proof from friends and family showing that they issued them provisional credits when things like this happened to them. I don't understand why they are treating me like this. No one will answer my questions through the cash app support over the phone, the app, or the email. They keep making me answer the same questions and will not give me ANY info about my case or why I can not receive a provisional credit. Please help me? I was told 2 days in a row that I could not speak to a manager or supervisor, I called multiple times each day. I emailed. I contacted cash app support both through phone and the app. Please help? I have any and all the evidence ready to go. This is heart breaking and making me feel like I am not as valuable as every other customer or human being. I asked to file a complaint and the rep hung up in my face. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: The CMI Group, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reported to XXXX several times that the final bill was incorrect. The equipment charge for almost XXXX was incorrect, because the equipment was returned to their customer service store at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. They refused to correct the bill, and after reported them this past year, they resold the bill to another collection agency Credit Management LP. I would to request an investigation into their dishonest buisness practices, and falsely stating records on my credit report over the past 5 years. I would like other customers to beware of their dishonesty, and to know of their extremely unprofessional buisness practices.

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 2020-03-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
USAA DOES NOT CORRECT ACCOUNTING ERRORS. See attatched XX/XX/2019 STATEMENT showing NEW PURCHASES Summary Account Activity ** ERROR ( {$2.00}, XXXX ) AND SHOWING TOTAL TRANSACTIONS * ONLY ( {$2200.00} )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUITY LOANS LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
EPM mortgages has intentionally made every effort to sabotage my ability to refinance my mortgage with another lender and due to EPM actions it has force me into applying with them for an request for 6 months forbearance. ( Submitted XX/XX/2023 ). 

In fact, I've filled several prior complaints against the company ( EPM ) with the cfpb and since each submissions for unlawful financial practices, each time EPM has responded with weak comments of their assistance process that is never rendered.

This company has conducted falsely delaying practices.

And due to my complaints to cfpb against EPM in retaliation they contacted me today XX/XX/2023, by EPM 's rep. advising me that my assistance was denied!

It's more than evident that EPM wasn't and never were in the business of providing any assistance to their customers. 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 2023-07-06
Company: Experian Information Solutions Inc.
State: IL
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this 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 2019-01-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had a total of five loans with Wells Fargo. These loans were originally disbursed between XX/XX/XXXX-XX/XX/XXXX with another lender and then transferred over to WF in XX/XX/XXXX. I did not personally make the transfer ; it was a matter of banks selling loans to each other. 

In XX/XX/XXXX, I received a letter stating that WF had charged me higher interest on my loans than what should have been, and attached was a check for {$16000.00}. 

In the short letter, there was no other description of the error, such as how exactly they had calculated the refund amount. 

I called the number on the letter for clarification. I wanted a detailed explanation on which loans, for how long, and what exactly was the overcharge on the interest percentage. 

I was handed over several times to different departments because no one really knew the answer to my question. About a week later, a XXXX XXXX at XXXX ext. XXXX returned my call and told me the interest rate overcharge was .25 %. I wanted to know which loans, and for how long and he did not have that information for me. He transferred me over to XXXX who could further assist me. This next lady also did not have any of the numbers I was looking for but promised to reach out to me in writing with a resolution. That was XX/XX/XXXX. 

By today, XX/XX/XXXX, I had not received any communication from WF other than a letter telling me cash the check quickly or else the check will become null and void and I will have to retrieve it through the Treasury. 

I called the XXXX number again and spoke with another lady who looked into the matter for me. She came up with the following information : Loan 1 - disbursed and overcharged since XX/XX/XXXX. Difference in interest I was charged and what I should have been charged : XXXX Loan 2 -  disbursed/overcharged since XX/XX/XXXX. Overcharge difference : XXXX Loan 3 - disbursed/overcharged since XX/XX/XXXX. Overcharge difference : XXXX These three make up the {$16000.00}. I asked her if it included any interest since I was overpaying for a period of about 15 years due to errors on the part of WF. She said no, that the loans had been transferred to WF with the interest already being overcharged and they did not know it when it was happening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Ditech Financial LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i have a mobile home loan with  Greentree finance who sold loan to Ditech it was paid off about 15 to 18 yrs ago but never got lien released thru SC dept of motor services. we went to get title from them they said it still had a lien on it and said to contact Greentree when we did we found out it was sold to Ditech. we contacted then they said it would take 10 to get a letter of release we waited about 2 weeks did not get anything in mail we called back they said it could take up to 30 days still nothing. we have made no less than 10 calls everytime we get a differe nt answer. last week we were told to fax a request in and ask them to contact us about this again no acaa back now they tell us we need to email info to  XXXX  XXXX  XXXX . they mobile home has been sold and the new person ca n't get permit to have it setup without a clear title.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from my employer stating my wages are going to start being garnished by Midland Funding. ( Original Account XXXX ) This debt is at least 10 years old to my understanding it is considered time bared debt making it pass the statue of limitations. Currently my wages are being garnished for the last 2 months at 25 percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: GA
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:
Name : XXXX XXXX Address : XXXX, Ga XXXX To whom it may concern, This is about the inaccuracy that has been furnished by your organization on my consumer report. I found this inaccuracy on XX/XX/2021. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against multiple times and refused my RIGHT as a consumer to extend credit. 

From my research, according to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I am putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. 

Because of this, my livelihood has been adversely affected and has caused me a great deal of stress in already difficult times! From what I understand there is no such law that states that anything must be reported to a consumer reporting agency. Therefore, your organization is liable. 

Also, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Your organization exercised its responsibilities neither with fairness and impartiality nor protected my right to privacy. 

I also request that you give me a piece of evidence to show that the information which is being reported has been properly investigated. Provide me with details of the system that your organization used to determine whether the transaction took place or not. 

According to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I demand you do the following ; *Remove account XXXX, XXXX XXXXXXXX XXXX XXXX XXXX from my consumer report and ALL remarks. 

*Remove account XXXX XXXX XXXX XXXX XXXX XXXX my credit report and all remarks. 

*Remove account XXXX XXXX XXXX XXXX XXXX XXXX my credit report and all remarks. 

*Remove account XXXX XXXX XXXX XXXX XXXX XXXX my credit report and all remarks. 

Upon further research 15 USC 1681n states that each violation for willful noncompliance is {$1000.00} per violation. 

My reputation has been abused enough. My right to privacy has been abused enough. Remove this account from my credit report. I have provided federal laws and as a federally protected consumer, I expect this be handled accordingly. 


Thank you for your cooperation. 

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 non-monetary relief
Consumer complaint received 2023-04-30
Company: CL Holdings LLC
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt is from the beginning of XXXX. I have reached out to all 3 credit bureaus and asked for validation of debt with supporting document. They have not done anything. I have asked XXXX for supporting documentation. No one has given documentation for this debt other than a copy of the collection notice. The debt has been sold multiple times and each time they update the date to show it as newer than it is Jefferson capital showing it as XXXX when I have not had service with XXXX since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: OH
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:
Credit Bureau used Oscar system instead of getting accurate information from XXXX XXXX  Credit Bureau continue to report inaccurate information. Causing my credit score to decrease preventing me from obtain residence. I spoke with XXXX XXXX  and they informed me that last balance statement was XXXX balance. Reported wrong inaccurate balance. The last statement for XXXX shows a XXXX balance with a credit of {$540.00} which means I over paid above the credit limit. Which still means balance is XXXX. Credit limit is XXXX but available credit limit is {$1400.00} related to the over payment and XXXX credit. Please READ accurately that the balance statement is a XXXX CREDIT not and Owed balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a Truist checking account and was promised I would receive a sign-up bonus of {$400.00} if I completed their terms and requirements for the bonus. Their terms were : opening the specified checking account ( which I did ), then make sure that XXXX ( XXXX ) direct deposits ( from employer, benefits, etc. ) of at least {$500.00} are deposited into the account within 90 days of opening the account. 

I opened my account on XX/XX/2023. I had XXXX direct deposits that were deposited into the account from my employer. The were both for over {$500.00}. These are the exact dates and amounts of the XXXX deposits : XXXX XXXX : {$500.00} on XX/XX/2023 XXXX XXXX : {$500.00} on XX/XX/2023 I satisfied the terms and conditions of the bonus within the time frame that Truist specified, but they are denying me the bonus, claiming I did not meet the requirements. I received an email from Truist on XX/XX/2023 stating the following : " During our final review, we noticed that you did not meet all qualification requirements of the offer, therefore, the reward will not be processed. '' Apparently the XXXX deposits were erroneously coded in their system as person to person payments, but they are in fact from my employer. It is a direct deposit from my employer, so this meets the terms of the agreement. These paycheck deposits should have been coded as direct deposit, and the error is apparently with Truist 's online coding system. My account has never been in a delinquent state, and I am in good standing with my account status with them. I fulfilled the requirements, so I am entitled to the bonus that they promised from the onset of my opening an account with them.

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