BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I looked up a property in XXXX XXXX, FL. I called the number from XXXX XXXX XXXX and obtained information via phone. The so called owner agreed to sign a 2 year lease ; we completed background checks and filled out the lease agreement, sent images of our licenses and signed. So called owner was to ship the keys to us but there was a delay with the husband stating that he found another party that was willing to pay 6 months in advance. We agreed to give an additional 2 months of rent which in term he agreed as well. After we transferred money to their lawyer they told us they sent the keys and would be getting back to us with a confirmation from XXXX. We did not receive word from them after that. We tried calling their number and it was disconnected. My boyfriend did some research and found the actual owner of the property through a property appraisal website and contacted him to verify his identity which did not match the so called owner we had been in contact with. The so called owners sent us a California Drivers License ( XXXX XXXX, DOB-XX/XX/XXXX ) We also have all the text messages sent/received between us. The so called owner also sent post office images to us as if they were going to mail keys to us.

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 2021-07-02
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 XXXX Submitted a response to the complaint that was blurry from pages 4 to 13. No images can be seen from their collection fee that was agreed upon or ever told to the servicemember. If consumer finance can review the entire file before closing the complaint it would help everyone involved as the so called explanation is unreadable please. 

TSI can not provide any documentation on fees. I've had the funds for some time to pay the principle and interest off but am unable to as they wish to collect a fee. 
I have constantly asked for paperwork regarding their collection fee and none can be provided. This is happening to every veteran who unfortunately defaulted on the star card. I've had the funds to pay for awhile now, however TSI has and is continuing to charge an illegal/ unexplainable collection fee of over {$1400.00} In the attached file the response from TSI was : " Please be advised that the account balance may be periodically increased due to the addition of accrued interest, as provided in the agreement with the original creditor, or as otherwise provided by applicable law ''. 

No where indicating a fee, followed by a unreadable/ blurry statement ( pg 4 to 13 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2016-09-13
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX, I submitted a Request for Mortgage Assistance ( RMA ) application to Specialized Loan Servicing ( SLS ). Throughout the application process, SLS has falsely alleged that I did not submit " missing documentation '' and has repeatedly requested duplicate information. In example, I submitted requested pay stubs for a non-borrower on XXXX XXXX, XXXX via email ; however, SLS again requested the non-borrower 's pay stubs on a letter dated XXXX XXXX, XXXX. Moreover, SLS requested income information for me, although the RMA submitted and various documentation illustrated that I was unemployed and not receiving any form of income. SLS has failed to process my application in a timely manner. SLS has also required to submit unnecessary duplicate information. In fact, SLS initially closed my application as a direct result of their own errors. 

Furthermore, SLS systems reflect that I have been approved for a workout program, but I receive correspondence that I am missing documentation that was previously submitted.

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 2020-03-16
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Calling numerous family members to get my number which is blocked. Calling in a state of emergency. This has to stop if they are doing this now. Wait for to people is dying and call. I work in DC. This is crazy!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I attempted to buy a {$450.00} commodity online from a website called XXXX. After additional conversation regarding the exchange that was meant to occur, the seller barred me on the so-called website on XX/XX/2022, and it became clear that the whole transaction was a fraud. I immediately phoned my bank, since this is where the money transfer firm XXXX, with whom I made the transaction, was integrated. The bank filed a claim, which they regrettably had to close twice, since they believe I made the transfer and there is nothing they can do except wait for the seller 's bank to recover the funds. I understand the circumstances, but it is completely unjustifiable that they lack any kind of protection in this case. I was certain that if something went wrong, I would have some form of protection, given I had used my bank to transmit money. Neither the bank nor XXXX cooperated with me in resolving the problem ; I have images demonstrating that the whole transaction was a fraud, and the seller 's account was even suspended on the platform used, since there were likely many other people who reported it. I have not received an e-mail or physical mail detailing the status of the claim, and I have had to call each time for an update, just to learn that my claim was closed without adequate assessment or notification. You may be aware of the issues with XXXXXXXX XXXX lack of security against these types of situations, and I hope they can find a method to communicate this information to their users.

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 2022-02-16
Company: EQUIFAX, INC.
State: TN
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:
Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX shut down the XXXX XXXX XXXX and has taken over the banking for the former customers of Simple. However, nearly all of the Simple customers, including myself, are unable to access our money because they failed to properly prepare for the transition and lied about the transition process. 

Several key XXXX activities by XXXX : Transition occurred XXXX night. XXXX knows that their customer service is closed over the weekend, but continued the buggy transition anyway. 

XXXX knew that this weekend is XXXX XXXX XXXX, yet they expect thousands of customes to spend their entire holiday on the phone for hours. 

XXXX hangs up on their customers. The ONLY way XXXX can resolve the problems is over the phone. However, I and many thousands of customers have called multiple times and were hung up on by XXXX XXXX XXXX. 

XXXX had several months to prepare for the transition. Simple gave us well advance notice of the transition and so did XXXX. XXXX assured Simple customers that the transition would be seemless and easy. However, it seems that XXXX lied and did not prepare at all. If I had not been mislead by XXXX, I would have transferred my money to a different Bank and closed my account beforehand. However, I LOVED Simple and how easy to use it was, that I stayed with them till the end. I and as every Simple customer was falsely led to believe that the transition would be easy. 

Also, XXXX sneakily automatically enrolled EVERY Simple Customer into receiving Paper Statements for a fee that can only be XXXX if one has access to their XXXX account and is then able to navigate a maze of account settings to disable the Paper Statements. However, it seems that XXXX knew that the transition would not be smooth, hence Simple Customers would not have accessto their accounts ; therefore, XXXX can charge us all fees because it is impossible for us to disable the Statements. This decision by XXXX seems quite intentional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit reporting act.The list of accounts below XXXX XXXX  XXXX XXXX account number XXXX open XX/XX/2016 has violated my federal protection consumer rights to privacy and confidentiality under usc 15 -1681 I to the Experian to reinvestigate this account XXXX XXXX XXXX XXXX however they stated everything was complete and accurate but how is that possible if the account date and dates of last activity and much more is incorrect according to 15 usc 1681 ; ( 5 ) they are supposed to modify accounts that isnt reporting correctly. When account was closed

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 2022-11-08
Company: Experian Information Solutions Inc.
State: NV
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  accounts 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. 
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 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 2023-04-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This in regards to Dispute Confirmation # XXXX with Equifax. Their dispute process on fraudulent inquiries is unacceptable. They are required to remove fraudulent inquiries from my credit report as I provided them with an Identity theft report stating this inquiry was the result of identity theft. XXXX removed them immediately but Equifax sends back and automated type response the investigation is closed and saying " : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' This is NOT a factual record! This fraudulent inquiry needs to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Monterey Financial Services LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my initial complaint against XXXX and XXXX, who are violating the Federal Credit Reporting Act, which states that creditors can not furnish information about consumers to consumer reporting agencies following mergers, portfolio acquisitions or sales, or other acquisitions or transfers of accounts or other obligations in a manner that prevents re-aging of information, duplicative reporting, or other problems that may similarly affect the accuracy or integrity of the information furnished. For the past 5 months, I have disputed a debt that is being reported on my credit report twice. XXXX XXXX, acct number XXXX is reported an alleged debt owed to them in the amount of {$520.00}, and a debt collector, Monterey Collection, acct number, XXXX is reporting debt owed to them in the amount of {$520.00} that was originally owed to XXXX XXXX XXXX I am emotionally stretched thin and exhausted from writing to XXXX and XXXX about the reporting of these 2 accounts. 

I contacted both companies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached certified receipts ) and I have yet to receive a written response back from either company nor have I viewed any recent changes to my credit reports that I reviewed using their companies website. I'm requesting the immediate removal of both accounts, XXXX XXXX & Monterey Collections due to willful negligence and improper investigation. Several consumer laws have been broken and these 2 companies are utilizing the pandemic as an excuse to NOT DO THEIR JOBS. 

If XXXX and XXXX are conducting an investigation why are there so many inconsistencies from the same company. On the XXXX report, Monterey Collection is showing an account status of open, yet XXXX is reporting an account status of closed. Is the account open or closed? Why is Monterey reporting 2 different account statuses? I reached out to Monterey &  XXXX XXXX and I have yet to receive an response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This complaint is directed towards XXXX, XXXX, and TransUnion Bureaus as a follow up. I am submitting to formally report an incident of identity theft that has had a significant impact on my credit reports. I conducted research on the procedure to remove the unauthorized inquiries from my credit report. It has come to my attention that I need to submit an identity theft report as part of the resolution process. I am aware that under FCRA Section 605B ( 15 U.S.C. 1681c-1 ), the Credit Reporting Agencies are legally obligated to promptly remove any entries associated with an identity theft report. Kindly refer to the documents I have attached to facilitate the process of blocking and deleting the inquiries that were posted on my report. Below is a list of the unauthorized inquiries that I have seen reporting in my credit reports : XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX XXXX ; Account number : 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX paid XXXX XXXX XXXX credit card # XXXX settlement amount in full in the amount of {$750.00}, payment confirmation # is XXXX. The payment in the amount of {$750.00} was paid to the collection agency that XXXX XXXX XXXX hired who is XXXX XXXX XXXX-XXXX-XXXX. XXXX XXXX and XXXX XXXX XXXX both have informed me that credit card # XXXX for XXXX XXXX last 4 of social security number : XXXX shows a XXXX balance. I informed them that on all three credit reports the account with XXXX XXXX XXXX and XXXX are still showing unpaid and delinquent. All I am asking is for XXXX XXXX and XXXX XXXX XXXX correct my credit report as paid and remove all negative collection information.,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 15 U.S.C 1681c. ( a5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I opened both a CitiBank Savings and Checking account funding them with a combined amount of {$15000.00} to qualify for a {$300.00} bonus. Service fee to be waived as long as I kept {$10000.00} in my combined accounts. For the past 5 1/2 months I made no deposits nor withdrawals from these accounts. Yet, Citibank took an unauthorized service fee from me in XXXX, which I called about, and they returned the money without explaining why it was taken given I maintained my balance above the amount which would waive fees. However, being concerned that this unauthorized fee grab may have caused me not to be eligible for the promotion anymore ( ie. My balances technically dipped below the {$15000.00} ), I called Citibank and they confirmed that I was qualified and that a {$300.00} credit would appear within my qualified date which was 60 days ( XX/XX/XXXX ) after I opened the accounts on XX/XX/XXXX. When 90 days came and went ( XX/XX/XXXX ), I called Citibank and was told now that the money would appear within the next 30 days AND the amount would be {$250.00}, not {$300.00}. I objected to this and the Citibank rep insisted that I was wrong. After reading other bank customer complaints on these same issues, I feel it is important that CFPB investigate what appears to be a pattern and practice of Bonus Offer fraud by this major bank.

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