BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
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:
I have lived at the person house who stole my identity and used it for XXXX XXXX XXXX XXXXXXXX XXXX which my name was spelled wrong on the account. I did not authorize this account. I was not living there during this time that account was open in XXXX 2021. I was Incarcerated at the time my identity was stolen. Now that I'm getting a better understanding of my credit report, I want this removed off my credit this is a fraudulent account that was made without my authorization. My last name is spelled XXXX, and middle name XXXX, which are incorrect spelling. I do not understand how and why this is stuck on my credit report without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid 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:
I went to Bank of America to do a balance transfer. It was for {$18000.00}. {$12000.00} went to creditors. The other {$6000.00} was supposed to go into my account. It was done on XX/XX/2019. The problem was that the {$6000.00} was handled as a cash advance. I never asked for a cash advance. I had no need for a cash advance. Ive been having to pay about {$93.00} a month for cash advance fees ever since. When I originally caught wind of this. I called to complain. This was back in XXXX. They were sympathetic and even asked for the name of the employee at the bank. I gave it to them and they removed two charges. Approximately about {$180.00}. Within a matter of two weeks. They resumed this unethical practice of charging fees incorrectly for an offer they sent me in the mail. I dont normally check my accounts regularly ( trust ). I noticed this in XXXX. I have called several times and have yet to get this problem taken care of. They keep insisting that I had this check deposited into my checking account. Therefore, its a cash advance. Thats a complete lie! I have had this offer before and have had a check deposited into my account. They are the ones sending the check in the mail. Its part of the balance transfer offer. In fact the check stipulates that is an offer. It has offer ID KV and some digits afterward written on the check. I have the copy of the check. They send two checks in the mail. One for 0 % interest for a limited time, and another one for 1.99 % interest for a little more time than the other. I got the check from the letter they sent me and that was the check that was incorrectly processed. I now have three charges that amount to about {$270.00}. I was trying to save a few bucks with this balance transfer and look what happens. When I call them. Its like talking to a complete different company. At first sympathetic and now rude and deceitful. Ive been with BofA close to 40 yrs. I just sent them {$17000.00} to pay off this credit card. Im going to be severing my ties with them. So inconsiderate especially during these difficult times. Who knows if I will have a job by the end of the month. Please help me. Any information you need, I can attempt to gather. 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 monetary relief
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is incorrect personal information on my credit report, such as names and incorrect address / old addresses. Below are the names and addresses that need to be removed from my credit report and accounts associated. 

Inaccurate unknown names- 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 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 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 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 2021-10-19
Company: Genesis FS Card Services, Inc.
State: MD
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:
In XX/XX/XXXX I was approved for a XXXX XXXX Mastercard with a credit limit of {$300.00}. It is a private-label credit card through Genesis Financial Solutions dba Genesis FS Card Services . The issuing bank is XXXX XXXX XXXX Beginning in XX/XX/XXXX I encountered difficulty in making my minimum monthly credit card payments due to unemployment as a result of the COVID19 pandemic. To date I have been charged {$480.00} in fees and total interest of {$120.00}. I requested that the account be closed in XX/XX/XXXX due to the highly excessive fees. My most recent statement shows that I have a {$0.00} past due amount, an over limit amount of {$100.00} with a minimum payment due of {$140.00} on XX/XX/XXXX. Yet, I was charged a late payment fee of {$38.00} for failing to make a minimum payment of {$270.00} on XX/XX/XXXX. Instead, I made a payment of {$170.00}. This is at the center of my dispute with Genesis FS Card Services. In prior conversations with customer service representatives I noted my disappointment with the minimum payment structure for the card in relation to other credit cards I have through XXXX  XXXX, XXXX XXXX, XXXX, etc. I have a stellar payment history and positive credit reporting through those issuers. However, that is not the case with Genesis FS Card Services. It appears that Genesis FS Card Services includes the over limit amount in the " minimum '' payment structure which can be heavy. For example, my XXXX statement reflects that I had a minimum payment due of {$650.00}. This included a past due amount of {$180.00} and an over limit amount of {$590.00}. In addition I as assessed a Penalty APR of $ 29.99 % for failing to make a monthly minimum payment within 60 days of my payment due date. It is unreasonable to expect a consumer to make a {$650.00} minimum payment. Due to my unemployment status I have been paying down my balance at a reasonable level and to prevent further harm to my credit reporting ( payment history ). Genesis FS Card Services did not and has not offered a modified payment structure for customers impacted by COVID19.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am a victim of identify theft since XX/XX/XXXX and a police report was filed for the first incident in XXXX of XXXX. I have had several credit card accounts compromised, several new accounts open in my name, numerous inquiries into my credit from companies, new addresses and phone numbers that are not mine added to my credit report, etc. I have contacted all credit bureaus and have put a freeze on my credit. I have disputed all inaccurate information to the credit bureaus and have contacted the companies to dispute the unauthorized charges, newly opened credit lines, and incorrect information. I have been successful with all thus far with the exception of XXXX and Apple Card. An Apple Card was opened on XX/XX/XXXX. I printed my credit reports in XX/XX/XXXX and realized this card had been opened without my knowledge. I called Apple Card and reported this as fraudulent, informed them of my issues with identity theft, reported that the address and phone number they had on file was not mine, that I have never lived at that address, and that I have no knowledge of that address with the exception that the address was used to open and/or attempt to open multiple other fraudulent credit cards and loans. Apple Card informed me that they would look into the issue and they closed the account. I also reported this dispute with XXXX. I received notice at the beginning of XX/XX/XXXX that XXXX had founded in Apple Card 's favor and the information was verified. I then went to my local police department and filed an incident report with regard to the fraud. Apple Card and XXXX have yet to delete this information from my credit report. Whatever investigation Apple Card did, they never contacted me for additional information to verify my identity, address, or phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-02
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: Credit inquiries on your report that you don't recognize

Complaint:
I.m dispute the credit reported because of mishandling my credit scores and i.m very unhappy with the system think that they misusing my Credit score. I have complaints against the 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 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

REMOVE THIS ACCOUNT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My XXXX  account was linked to them before, it is a working account and in good standing, capital one keeps removing them from my account and I can not make any transfers from my XXXX  bank to my capital one money market account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I contacted Paypal in XXXX to ask for a payment extension because I was not working due to COVID 19, instead the representative insisted that I enroll into a payment arrangement that would lower my payments and will stop them from reporting late on my credit report. 
I agreed to the arrangement, but that was not what happened. 

I made a payment and was told that all is well and that I should continue to make regular {$40.00} payments for 6 months. 

On XX/XX/XXXX I spoke with a Paypal representative to make a payment, but their systems were down. I attempted to logon to my online portal to make the payment but was unable to do so, which has been happening to me for months. When I request assuistance with accessing my account, an agent is never available to chat with me and getting a phone number to speak with someone is almost impossible. I was finally able to make a payment a week later, which at this time, Paypal had already reported my account late. I spoke with a supervisor and was told that although their systems were down, it was my responsiblity to continue tro contact them to make the payment. I did that and was unsuccessful and thus Paypal decided to report me late twice for an issue that was their fault. I did what I was supposed to do and they were unable to assist me at the time I was making the payment, which was on a Saturday. When I was able to make a payment, it takes days for the payments to post, again causing me to appear " late ''

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 2020-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have been working on my credit since XXXX of 2020, I realized there were accounts on my report that I did not authorize or approve of. I did lose my purse almost 10 years ago. I didn't think anyone was using my information till I started looking over my credit. I filed a police report and identity theft report. I then went to dispute the accounts through the credit bureau and they have not erased them from my credit report.

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 2021-01-07
Company: ALLY FINANCIAL INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan with Ally was paid in full on XX/XX/2020. I have not received my escrow balance refund. 

On XX/XX/2020, I inquired with Ally 's customer service about the status of my escrow refund. On XX/XX/2020 I was told by XXXX XXXX, their email representative, that it was disbursed on XX/XX/2020 and to allow 7 to 10 days for it to arrive at the mailing address. When looking at a calendar, XX/XX/2020 was a Sunday when mail isn't processed. 

The history on my account shows the escrow disbursement is dated XX/XX/2020. When I called back I was told that it was generated on XX/XX/2020 and mailed on XX/XX/2020. 

To date I still have not received it. When I called again today, I was told that the refund was generated on XX/XX/2020 and the customer service representative named XXXX ( who couldn't provide me with her last name ) said she couldn't tell me when it was mailed or provide me with any mailing information. 

The information being provided by their associates seems to all be inconsistent. 

Escrow refunds should be mailed within 30 days of the loan being paid off. Ally is out of compliance and their customer service is very unhelpful to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when I had a moment I looked at my phone to see there was a high alert with my email account indicating that someone was trying to access it at that moment from another location. Shortly after this alert, I logged on to my bank account and made sure there was nothing going on. I immediately noticed an unauthorized charge to XXXX of {$33.00}. Concerned, I called Wells Fargo and spoke with someone momentarily. I was at school, so I couldn't complete the conversation. Within the hour, my phone was not able to receive or make phone calls because of an outside source and I had no way to freeze my account. By the time I came home from work, I checked my account and it went from {$6000.00} to {$600.00}. While in tears, used my partners phone to call Wells Fargo, because my phone was still unable to make or receive phone calls. Wells Fargo representatives seemed incompetent with their knowledge of what protocols should or shouldn't happen-but I was sent to the 'Fraud department ' wherein I was assigned someone to take on my case. This individual just took a verbal statement- and I never heard from them again during the process of investigation. The fruadulent transactions happened in New York while XXXX XXXX XXXX  in Arizona. Further, I could confirm I did not authorize those charges-but the person conducting the 'investigation ' did not thoroughly look into this. At the end of the 10 day investigation, it was determined that my claim was not fruad and my funds were denied to be returned to me. As a side note : I had to get a new number and new sim card from XXXX. What was discovered was that the sim card in the system suddenly didn't match the one in my phone. The clerks were baffled by this but there was no way for them to explain it. I knew prior to seeing my funds disappear, that I was the victim of a cyber attack-the phone sim number being changed in the system confirmed it. This was a high tech crime and not handled correctly by representatives at Wells Fargo. Additionally, I did report this to the FBI cyber fraud/activity department. With this devastation of my bank account being wiped out-and the bank handling this so unfairly-I am seeking outside help. XXXX XXXX XXXX XXXX divorced- previous stay at home mom and that checking account was all I had.

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 2022-04-15
Company: EQUIFAX, INC.
State: NY
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:
MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I DID NOT AUTHORIZED THESE INQUIRIES NOR GAVE ANY CONSENT TO ANY COMPANIES TO FURNISH THIS ON MY REPORT PLEASE SEE ATTACHED OF MY ID XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Accoutn name : XXXX XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, 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, 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 non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, 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:
To Whom It XXXX Concern : My name is XXXX XXXX XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. My cell phone number is XXXX. 

I am writing to file a complaint against XXXX credit bureau for maintaining inaccurate information in my credit file that I have disputed multiple times. There are incorrect hard inquiries from [ names of creditors ] dated [ dates ] that I did not authorize. 
This inaccurate information is damaging my credit score and violating Section 15 of the Fair Debt Collection Practices Act and Fair Credit Reporting Act regarding false representations of information. 

I have disputed these unauthorized hard inquiries with XXXX in writing on [ dates ] but the information remains unchanged. XXXX has failed to reasonably investigate per the FCRA and has allowed misleading information to stay in my file. 

I request the CFPB immediately open an investigation into XXXX for potential legal violations and require the inaccurate information be corrected to prevent further harm. Please contact me at the number above to discuss this complaint and appropriate resolutions. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Charged overdraft too much

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