BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-23
Company: Experian Information Solutions Inc.
State: MO
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:
5th closed complaint without addressing the issue which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Credit Karma Money has been holding my funds illegally with no reasoning and no communication with me in regards to withdrawing funds for months now. I finally received an email from them recently stating that they will return my funds via ACH transfer or by mail to the address on file. I then tried to link my bank account for the ACH transfer and they wouldn't let me. Contacted support again and they once again stated they can't give me any information on anything. So this was over two weeks ago and I still haven't received the check and still no access to link my bank account for transfers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX closed complaint with same respone, plus experian just emailed me about having 1 place to view all the dis puts which is a lie

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 2024-01-23
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I attempted to open a checking account with BMO in order to transfer funds into it. I was told that I was not allowed to do to transfer of funds and flatout accused of fraud. I was told that they were retaining my funds n the account. When I informed them they had no legal right to hold my funds and that I was contacting your agency she didn't seem to care and hung up the phone.

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 2024-01-23
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Their written opinion of XX/XX/XXXX : " Our research indicates that claim XXXX was initiated on XX/XX/XXXX for the {$200000.00} online cash advance processed on XX/XX/XXXX. This claim was denied on XX/XX/XXXX, as the investigation shows the advance was made through a secure online banking session by you or someone who had your authority. We have enclosed a copy of the letter dated XX/XX/XXXX which explains the outcome of your fraud claim, for your review. '' Their letter of XX/XX/XXXX : " We've finished researching your fraud claim regarding online advance totaling {$2000.00} on your account ending in XXXX. Our research shows the advance was made through a secure online banking session by you or someone who had your authority and that no other processing errors occurred. Based on this information, we determined the advance was authorized. We have closed your claim. 
Claims Assistance Center, Online Fraud Claims '' Wells Fargo XXXX XXXX XXXX XXXX XXXX, SD XXXX www.wellsfargo.com XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: Experian Information Solutions Inc.
State: MO
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:
Experian closed this complaint like the last a computer generated response that absolutely idiotic

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 2024-01-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have incorrect addresses on my experian, XXXX, and XXXX report that i have never been associated with i would like all of them removed from my credit report immediately due to FCRA all information must be true and accurate they are all listed Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My phone was stolen when I was outside the country XXXX XXXX XXXX XXXX XXXX they somehow got in the phone annd attempted to make XXXX XXXX transactions through the stolen phone. 
I immediately notified Wells Fargo as well as XXXX XXXX. Both Wells Fargo and XXXX XXXX said that these transactions were authorized by me or my representative. They refuse to discuss the matter any longer. 
Over 20 transactions were attempted on XX/XX/XXXX, Between XXXXXXXX XXXX XXXX XXXX Most of the transactions were blocked. However, somehow some the transactions went through ; even after Wells Fargo canceled the card. 
Over {$2600.00} of transactions were made. at reimbursing me the charges ; Wells Fargo has recently sent me a letter the charges will be reversed.

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 2023-12-03
Company: EQUIFAX, INC.
State: MD
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:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE THE FOLLOWING ACCOUNTS OR INQUIRIES XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX EQUIFAX MORTGAGE SERVICE Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SERVICE Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$1300.00} XXXX Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$8000.00} written off. XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$29000.00} Status Account charged off. {$24000.00} written off. {$29000.00} past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$15000.00} Status Foreclosure proceedings started. {$1300.00} past due as of XX/XX/XXXX. XXXX XXXX Date opened XX/XX/XXXX XXXX - Status Account charged off. {$11000.00} written off. XXXX XXXX LATE PAYMENTS NEED TO BE REMOVED XXXX Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, National Credit Adjusters received a debt validation letter from XXXX XXXX. National Credit Adjusters did not validate the debt that National Credit Adjusters claim I owe. As a result of that failure, National Credit Adjusters also received a letter demanding the deletion of the alleged account from all consumer reporting agencies on XX/XX/2023. Under the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], disputed items must be validated or deleted and removed from my credit record within 5 days. National Credit Adjusters have triggered Privacy Act violations U.S.C. 552a ( g ) ( 1 ) ( A ). National Credit Adjusters neglected to respond or comply. National Credit Adjusters has obtained my personal private information including but not limited to my social security number, outdated addresses, names, and phone numbers which is a violation of the Privacy Act because National Credit Adjusters do not have a certified document granting them permissible purpose to furnish anything about me or to have my information for that matter. I did not give National Credit Adjusters legal permissible purpose per FCRA. National Credit Adjusters is a known junk debt buyer. Per 15 USC 1692K Civil liability, National Credit Adjusters is now liable for violations that they have carelessly committed. These behaviors are also considered abuse and harassment. I am aware that National Credit Adjusters was sued by Bureau of Consumer Financial Protection ( Bureau ) for abusive deceptive practices and behaviors towards past consumers. National Credit Adjusters are barred from certain collection practices and is permanently barred from working in any business that collects. National Credit Adjusters was ordered to pay {$500000.00} in civil penalties. National Credit Adjusters. National Credit Adjusters was also sued by Lamont V. Thompson for illegal practices. National Credit Adjusters will be sued again if National Credit Adjusters continues to stand outside of compliance of my federally protected consumer rights by not complying with the FDCPA, FCRA, and Privacy Act. The actions National Credit Adjusters have committed constitute identity theft and fraud. National Credit Adjusters will be reported to the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: FIRST NATIONAL BANK OF OMAHA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have had the XXXX  FNBO XXXX credit card with XXXX for 1 year now ( Since XX/XX/XXXX, it is now XX/XX/XXXX at time of writing. ) Since XX/XX/XXXX, I have had a statement credit of - {$610.00} on my account Between XXXX - XXXX of XX/XX/XXXX, I started to spend this credit. 

However, on the XXXX on XXXX, the ENTIRE REMAINING BALANCE of {$420.00} was REMOVED from my account. Gone! 

Transaction detail : XXXX XXXX XXXXT {$420.00} I haven't been emailed about this. I haven't been called. No letters in the mail. Nothing. 

On the XXXX of XXXX, I called fnbo and I waited XXXX to speak with XXXX. She told me I had to visit a bank to confirm my identity, but she kept talking over me. I asked to speak with the supervisor and she refused, she put the phone down on me. 

Before I called, I could log into my bank, however after this call, when I try to login to m card, it says : " Account not found '' When I call them back and enter my credit card number for verification, the phone call NEVER continues, it just goes silent. I feel like I've been scammed. 

I demand to know what is going on here!!! and I want my money returned to me! 

Regards 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 2023-12-06
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Today is the XXXX XXXX XXXX XXXX XXXX I made a call to AMERICAN HONDA FINANCIAL to request a contract from a previous vehicle, the phone operator XXXX XXXX XXXX  was very rude, disrespectful, denied me any access to speak to a supervisor also blocked my number from being able to connect to another operator, he was more concerned of my late payment which i expressed ive sent out a payment to the indenture trustee of XXXX XXXX  in care of acura financial, also ive sent out the coupon that acura financial has sent me in a BILL OF EXCHANGE and gave me until XXXX XXXX XXXX  to pay for the vehicle. he wanted to know how what when and why I was late with an attitude as if im dealing in any business with him, i am not. not profession not understanding even when i expressed the mail has been sent REGISTERED ( SECURITY ). he then called me back at XXXX XXXX  pretending to be someone else, until i recognized his voice, after he started threating to have my vehicle for impound! im am filing for harrassment this is no longer accepted. i refuse to do anymore business with AMERICAN HONDA FINANCIAL. filing a complaint with XXXX, FTC, CFPB, USA.GOV, local news, etc. I dont not feel comfortable after that conversation, i was looking for help and renn decided to make everything worst than what it already is. ive already been extremely stress this has been a very tough year. no excuse even if im late on my bills i pay in full! with late fees as well, never complain cause i love my vehicle. sometimes things just get hard thats life until u figure it out the best way. also im reporting the fact that AHFC HAS has been reporting on my credit report which i gave no authorization to do according to the fair credit act and the 15 U.S CODE 16811681b ( 2 ) ,1681c, P.L , 90-321 ( 82 STAT.146 ) ,12 CFR 1022.3

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23
Company: Diverse Funding Associates LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company DNF Associates filed a report to XXXX in XX/XX/2023 that I owed money in the amount of {$14000.00} I asked them for a proof but they did not send me anything. This is hurting my credit and I want DNF to remove it from the credit Bureaus or send a proof. 

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 2023-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against ( insert name of collection agency ) ( Account # ) for knowingly reporting inaccurate data to the credit bureaus. My credit profile is being negatively affected by these penalties, and this appears to be suspicious and deceptive behavior. I am demanding proof of valid authorization/proof of alleged debt. Reporting this information without proper disclosure requirements is in direct violation of my consumer rights. I am legally requesting a description of the details of the verification process used to verify this alleged account. I am also requesting that you provide me with the forward flow agreement between you and the original creditor, since this debt was purchased by you and I have no contract with you. Purchasing of this debt from the original creditor, XXXX XXXX XXXX, does not guarantee that the information is accurate. Federal law requires you to respond to this complaint within 30 days. Failure to comply with these federal regulations by FTC USC 41 ET ESQ. I am maintaining a careful record of my communication with your company. I have attached documentation to this complaint. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
in accordance with the Fair credit reporting act the creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) Is also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card or loan account under an open end consumer credit plan as a late payment. 

I have dispute this inaccuracy since XXXX. Please remove negative remarks from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Fees or costs during the application process

Complaint:
My application for refinance started in early XXXX. During this process the Truist agents continually assured me the loan was tentatively approved. The agents requested that I obtain a home appraisal at a cost of {$660.00}. I stated that I did not want to incur that cost unless the loan was dependent on it. Again, the agents coerced me to get the appraisal so the loan could progress. They dragged this process out over a month requesting documents and information. In the end, the loan was denied based on a credit report. If this was the deciding fact this loan should have been shut down XXXX days into the process. I want to get my money refunded for the useless appraisal I was coerced into getting. I am not complaining about the denial, I am complaining about the pressure, coercion, and totally unnecessary expense.

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 2023-11-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Initially received a letter saying account hasn't been paid since XX/XX/XXXX  and with a {$500.00} larger monthly mortage. I called them to verify as have receipts of on-time payments. Get sent through the loops of transfers as they can verify me for the account for a week. They finally verify me and explains payments have been refused for partial payments and they will cancel the checks and apply to the balance. I am transferred to insurance where XXXX helps explain I haven't had insurance and needed to remedy it. I explain I wasn't notified but will try to fix it. I ask as I did not know of this issue if there were any way to appeal the fees and ask for financial assistance. I am told to submit in the documents and so the next day I submit in the new insurance documents. I am told to call back as documents will take time to process. I call back and they state documents needs to be resubmitted. I explain I am closing to the deadline and if there were anything to extend the deadline or prioritize my case. I am told to resubmit and call back later. I call back a few days later and they received the documents but will take 10 days to process. I explain that would overlap the deadline. They transfer me to a different department and this department states I am in the wrong department. I am 4 days away from being foreclosed and am stressed out. 

I have wasted multiple days off work to try to resolve this issue to only just be told to call a different department ( without assurance they'll help ). Fifth Third bank needs an open complaint portal so customers can report bad practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22
Company: Rosebud Economic Development Corporation
State: CO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I paid XXXX payments of {$340.00} on time over 2 and a half months and my balance went up! also, when I signed up for the loan, the APR was just over 200 % and they raised APR to over 700 %!

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