BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was supposed to have {$230.00} direct deposit from my rent rebate. It wasn't in there so I called the IRS. I was told it was out into an account on XXXX XXXX told werethem it wasn't there. They told me to talk to the bank first that it was in an account. When I did they told me it was in an account but not mine. They said It wasn't my account so I couldn't get it out. So I called the IRS and was told they've been known for doing that. They couldn't do anything about it. Not even stop payment or turn them in. When I went back to the bank they told me they looked again and it had went to my account and I spent it. 
Which was not true. Later on they were in the paper for opening false accounts. I never recieved

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 2022-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/22 I received 3 messages from Bank of America that all three of my credit cards with them were drained completely when someone processed direct deposit cash advances simultaneously to XXXX XXXX XXXX XXXX around XXXX XXXX to an account ending in XXXX. I called Bank of America that afternoon as soon as I checked my email and they proceeded to do a fraud investigation. The investigation of the credit card ending in XXXX had concluded that my device was used in making the transaction. The only way I make online purchases is via my laptop. XXXX XXXX XXXX XXXX XXXXXXXX which is an hour away when this happened. I start working at XXXX XXXX  at XXXX XXXX. I do not even have an online account with Bank of America but someone must have set up an account in my name to have access to all three of my credit cards. Bank of America should have suspected something was fraudulent when all three credit cards were not only totally drained simultaneously but also there were three requests for increase credit limits but only one was granted. Thankfully no more money was obtained from that. Bank of America gave me no information about the bank the money was transferred to or what happened to the money. I have a bank here locally in XXXX and would have taken money out of that bank and not have to pay fees in doing so. They did not give any evidence as how they determined it was performed on my device. The account ending in XXXX had {$3200.00} withdrawn, the account ending in XXXX had {$5800.00} withdrawn, and the account ending in XXXX had {$9500.00} withdrawn. With all the fees over {$20000.00} is at stake. I should not be held responsible for any of this as I did not perform the transaction. I live alone and no one has access to my laptop and my credit cards were always in my possession and no one is ever allowed to use them. You can check my credit history and see I NEVER made any cash advances. I always pay the balance of my bill in total every month to avoid interest charges. I feel Bank of America was negligent in allowing this transaction to go through and allowing a credit increase without notifying me. The claim number for the concluded investigation is XXXX. I don't know the status of the other two credit cards but expect a similar conclusion as this crime happened at the same time in the same circumstances.

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 2021-10-29
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, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me I also feel like these companies on my credit report have violated some of my rights 806. Harassment or XXXX  807. False or misleading representations 808. Unfair practices 809. Validation of debts These items have cause such trouble in my life I just want them gone Im seeking litigation for a few of the accounts as well

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 2020-02-11
Company: CURO Intermediate Holdings
State: OR
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:
On or about XX/XX/2019, the consumer disputed an alleged debt with XXXX XXXX for an alleged payday loan made around early XX/XX/2019of the same year at Rapidcash store number XXXX in XXXX Oregon. The consumer has no knowledge of this debt, is not admitting to any debts and has no current or previous business relationships with this entity or the collections agency representing Rapidcash. XXXX XXXX failed to mail a debt verification letter and instead sent the same collections statement. The consumer is demanding the original promissory note or a copy thereof including the full loan terms, conditions and all associated statements and administrative remarks on the account. The consumer is unable to verify the debt and therefore is claiming that this is an invalid and illegitimate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: STERLING JEWELERS, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Purchase in the amount of {$5000.00} dated XX/XX/XXXX was returned in full at a Jared retail store on XX/XX/XXXX. This return would make the account a XXXX  balance. I immediately logged into the XXXX XXXX XXXX XXXX account and noticed that the available credit was updated as being fully available. Therefore, the system recognized that a return was made but not posted as of yet. On XX/XX/XXXX, I contacted customer service and spoke to XXXX, he advised that the credit could take 2-4 days to post, I mentioned a payment was due on XX/XX/XXXX. XXXX placed me on hold and proceeds to tell me that I still must make a payment, than states that if I do not make the payment, I will receive a late fee! Lastly, he claims that I can than request a refund, this seems to be a bit backwards.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed several accounts from my credit report with Equifax, XXXX and XXXX  I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 XXXX 2 : XX/XX/2020 XXXX XXXX : XX/XX/2020 XXXX XXXX : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit report is showing inaccurate information that is concerning me. The inaccuracies with my name and address are causing verification issues and affecting my ability to get credit. This is a violation and I demand these errors be corrected by 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 non-monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Good afternoon, Between the dates of XX/XX/XXXX and XX/XX/XXXX, I applied for mortgage pre-approval with six different lenders, in an effort to identify the best rates. 

I did so in the comfort that this would only be recorded on my credit report as a single inquiry, on the basis of the CFPB 's guidance below : https : XXXX To my surprise, the inquiries were recorded as separate inquiries by each of the credit reporting agencies. As a result, my credit score declined over time as the later credit inquiries were submitted. 

I spoke with agents, supervisors, and supervisor 's supervisors at XXXX, and Equifax. l also called XXXX, but their automated system did not let me speak with a person. I was unable to resolve the issue in any of these cases. In the case of XXXX, the supervisor 's supervisor explained that different credit scoring modules calculate credit scores differently, with some recording mortgage inquiries within a 45 day window as a single inquiry, while others record inquiries only falling within a 14 day window as a single inquiry. 

Please can I ask that all three credit reporting agencies change their reports so that all inquiries within the 45 day period are recorded as a single inquiry in all cases, regardless of which credit scoring module is used? 

Many thanks! 

A

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-01-22
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Torrid Store card with a limit of {$250.00}. I purchased some items and began paying the monthly charge every month on time. I paid off the card to XXXX, did not use it for 3 months, tried to use it and realized that my account was closed by Commenity. This not only damages my credit due to a closed card but lowers my available credit on my credit report. I reached out to the company and was offered no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Since XX/XX/2020 ... .I have made over 50 phone calls to US Bank and Reliacard , gotten lies and circles for 6 months. During that time over {$1500.00} in Unemployment fron Texas Workforce Commission has loaded bi-weekly onto this card account. Faxes from three employers and a coworker giving mailing address updates trying to receive this bank card had no results at any of 4 LOCAL XXXX ADDRESSES. On two occasions after frustrated 43 minute wait times, the Reliacard rep. claimed to be Overnighting it at a {$12.00} cost ( x2 ). As of today 5 adults yet wait to see this bank card arrive.

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 2021-01-21
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I submitted a complaint two weeks ago, # XXXX, it was closed by Freedom Mortgage even though the issue has not been solved. I am submitting a second complaint. I have been pre-approved to refinance my loan, which was to close the first week in XXXX. As of today, my refinancing still has not been finalized. I have escalated three times. I had a closing scheduled today at XXXX which I took a VACATION DAY for and it is cancelled because the notary did not receive final documents. I hope CFPB reaches out to me XXXX to hear my issues before this complaint is closed. 
This refinancing is costing me {$400.00} a month and a vacation day.

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 2021-01-21
Company: EQUIFAX, INC.
State: NJ
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 submitted a statement, my credentials as well as FTC report to have fraudulent accounts blocked and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The attachment has all the details involved in the erroneous accounting transactions that generated a past due payment on my account. 

I have emailed, called, written letters, and had an attorney write a letter to get Shellpoint to correct this error to no avail. 

After Shellpoint reversed payments billed and paid, my account was put into a past due status. This transaction occurred on XX/XX/XXXX. I have provided the escrow analyses as proof that the amounts billed and paid are indeed correct, however, no actions have been taken to correct the reversal of payments billed and paid. As of this date the account shows past due. I am not able to determine how they arrived at the amount included in the past due payment. The past due payment has fluctuated up and down since XX/XX/XXXX. 

In XX/XX/XXXX, a past due in the amount of {$820.00} for some bankruptcy fees was added to my account. I was told not to worry about this amount. However, I began paying this amount down, as of XX/XX/XXXX, the balance was {$570.00}. 

Payment sent in for XX/XX/XXXX for {$1500.00}, was posted as {$1200.00} into escrow and {$270.00} into partial unapplied. There was not an escrow shortage prior to the reversal of payments and no need for this payment to be posted as such. The past unpaid amount escalated from {$570.00} to {$1800.00} which is less than a regular payment due. {$1200.00} is the amount of the escalation and I can not determine how they arrived at this amount. 

Please see attachment for full details on other accounting items that I have requested to be corrected. 

I also attached some of the documents sent to Shellpoint and a couple of the statements. If additional information is needed I can provide it later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: FL
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:
The three Bureaus continue to report medical accounts and have not yet provided me with any proof with my signature that shows this is an account I should be liable for. Please assist with removing this as I will seek legal advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Around XX/XX/XXXX, just like many others, I received invitations to open checking accounts with promotional offers from many financial institutions like Citizens Bank. After careful review of terms and conditions, I opened a checking account with a {$300.00} welcome bonus offer. I fulfilled all the requirements including the minimum deposit and set up direct deposits from my pay roll company. Ive attached terms and conditions for this offer to be reviewed and Citizens Bank confirmation that the account was succesfully approved with promotional offer XXXX and XXXX XX/XX/XXXX to receive the bonus advertised. On XX/XX/XXXX, after not receiving the bonus, I called Citizens Bank customer service for about an hour to find out that my offer was not honored due to a system error, being the code confused with a HELOC offer instead and the only solution provided was to wait another six months to apply again with no certainty about the amount of the welcome bonus then. This is clearly unfair and deceptive practices and I expect Citizens Bank to honor their terms offered considering that I complied with every single of the conditions required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: SC
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:
On XXXX of XXXX A late payment showed on 4 of my XXXX student loan accounts and credit reports. On XX/XX/XXXX, I called to let the company know that I had no late payments on my student loans. On XX/XX/XXXX, I again contacted the company to remove the late payment. The company advised me that there is nothing that they can do to remove it. 
I also contacted the 3 credit bureaus XXXX, XXXX and XXXX  to remove late payment to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: CT
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at XXXX I received a text saying From Santander Bank : Did you attempt to make a purchase for {$370.00} on debit card at XXXX # XXXX. REPLY YES/NO/HELP. Dont want fraud texts? Reply Remove. 

I replied with No I then received this text From Santander Bank : Thank you for confirming your activity. You will be contacted shortly. Dont want fraud texts? Reply Remove.

Upon this I received a call from what I now know was the person committing the fraud at XXXX for XXXX minutes and they pretended to be helping me with a false transaction in XXXX, GA. I spoke to the person on the line and told them I have never been to XXXX. They asked for me to read them the one-time-passcodes sent to my cell phone number and I gave them the one-time-passcodes for them to access my account to help me with the fraudulent charges. They then told me that I would not be able to access my account for 10-12 hours while they do their investigation. 

The next day I signed into the mobile Santander App and saw that there was a transaction of {$930.00} to someone named XXXX XXXX. I do not know anyone named XXXX XXXX. 

I called the correct fraud number for Santander and they assured me that they will handle the situation and promptly blocked my access to mobile and online banking.

I went to the branch near my home and brought all the records text messages and phone calls with time-stamps.

After 10 days they told me that my claim was denied. I believe I am wronged because Santander claims to protect its customers from any type of fraud.

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