BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I originally filed a claim with Wells Fargo on XX/XX/21 to report a case of fraud/scam and blackmail. 

In this case, which happened on the evening of XX/XX/21, the perpetrator obtained what could be deemed as defamatory material and threatened to use that information as leverage against me and to send other things to employers and family unless I were to pay a certain amount. They made me use XXXX to transfer the funds. I wanted to transfer to leave the immediate situation so that I would have time to file a report with the authorities. I have submitted a report of the situation to the FBI 's XXXX branch for Internet-related crimes. I will attach those documents with some sensitive material removed for privacy 's sake. 

After taking proper steps to alert the authorities, I went to Wells Fargo to hopefully get the transaction reversed, however, I received a very vague statement which seems the claim to refund or reverse the {$500.00} ( one {$200.00} and one {$300.00} ) transfer was denied. I received two forms in the mail stating that Wells Fargo was looking into the matter, dated XX/XX/21, and two follow-up forms dated XX/XX/21. Those are attached for reference 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 2023-08-04
Company: Acrisure Mortgage Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have attached all of the paperwork from FBC concerning an overage of my escrow account. I also have screen shots of the online chats with reps. I was supposed to receive {$520.00} overage as of XX/XX/XXXX which also documented my new monthly payment. When I called at the end of XXXX, the rep told me I couldn't get until I made my XXXX payment which goes against the 30 day payout law that they have breached ... THEN On XX/XX/XXXX, I went to online chat on their website, i got the first answer of it will be mailed out by XX/XX/XXXX ... then on XX/XX/XXXX, the chatroom rep told me no overage and that a {$500.00} payment to ME had been applied to the back end of the loan. NONE of the numbers on the attached paperwork add up to what they are trying to tell me, I have requested a call back FOUR TIMES and no one has called. They can not answer the question of WHERE is the money and WHY a payment of {$500.00} was made to the loan. I have requested a transcript of all the calls I made and the last rep told me to get a subpoena! I am APPALLED at the lack of knowledge, respect AND customer service. I am EXPECTING my overage payment of {$520.00} PER THEIR OWN LETTER AND FIGURES!!! This is absolutely ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
These companies have violated my consumer rights as stated in 15 u.s.c. 1681 sections a, b, and c. Creditors have no right to false report information to the credit bureaus. Below are accounts that holds false statements. 

XXXX bank account XXXX stated that my balance is {$370.00} and still reporting account is late payment.This is false information the account is closed and I should not be paying any monthly amount to an account that is closed.also the account is a secured account that is my money that I funded the account with.Discovery never gave me an unsecured line. 

XXXXXXXX XXXX XXXX  account XXXX stated I had a balance charge off for $ XXXX never open an account with XXXX bank XXXX XXXX 

XXXX XXXX bank account XXXX stated my account is still open and this is false.My account with self is now closed.XXXX XXXX should report closed.not open. 

XXXX XXXX XXXX account XXXX stated I had a auto loan balance {$3000.00} when I paid them in full.

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 2021-05-05
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a credit monitoring service ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) through my XXXX XXXX  Account. My credit score has been reported as over XXXX for over a year. My score in XXXX was listed as XXXX. In XXXX I paid off a truck loan to XXXX XXXX and as stated above my XXXX XXXX XXXX was XXXX. In XXXX I paid off a motorcycle and my score fell XXXX points from XXXX to XXXX. Also, Ive had no negative inputs ever to my report and the payoff of both the truck and motorcycle were listed as positive inputs to my report. 
I contacted XXXX XXXX and they told me that they could not reference my report and gave me the number to Experian. After talking to several people there, they did open my report and verified the information provided above, but told me they could not correct the score given, but could only remove incorrect information that is provided from the various companies. Therefore, since the information from the companies was correct they could not change the score. 
Please note that I did request to speak with an Experian Supervisor, but after waiting for some time was told that none were available. 
I feel like I have run into a brick wall in trying to correct this obvious mistake. 
I pride myself in keeping up with all aspects of my finances. 
Please let me know if there is any additional information you may need. 
Thank You in advance for helping me remedy this unfortunate situation. 
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 2023-09-27
Company: Experian Information Solutions Inc.
State: CA
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Inter & Co Payments, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
The company Inter & Co Payments, INC dba XXXX XXXX or XXXX is not honoring a request to transfer funds from an account in XXXX to XXXX. I am within the limit established by the bank but they are asking for additional documents, which I can not send at the moment due to traveling reasons. This has caused problems to my family in the United States since they were expecting the transfer. My limit in the app always said XXXX {$100.00}, and after requesting a transfer under that amount they decided to tell me that my limit was USD {$15000.00}. And after 2 minutes arguing with the supervisor my limit was decreased to USD {$12000.00}. Can they do this? They have previously asked for additional documents which was provided right away, but this time I can not send the new documentation request.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: R.M. Galicia, 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: Account information incorrect

Complaint:
Credit report is showing a debt of {$1800.00} to Progressive Mgmt from XXXX XXXX. I tried to resolve this with them but never got it cleared and its back on my report. This is not my charge please help with an investigation or let me know how i Can get this off my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: BOEING EMPLOYEES CREDIT UNION
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: Account information incorrect

Complaint:
I had a credit card with Boeing Employees Credit Union Account # XXXX balance of {$6100.00}. My husband filled a XXXX  XXXX bankruptcy XXXX XXXX. : XXXX File Date : XX/XX/2018, and BECU was part of the bankruptcy. It is still showing on my credit report that there is a balance and past due.It also says it was " written off ''. Non of this is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 two transfers were posted to our account at XXXXXXXX XXXX, one for {$1400.00} and the second for {$300.00}. Both transactions were made using the Zelle XXXX payment service and both were sent to a XXXX XXXX. The {$1400.00} transaction has a reference number of XXXX and the {$300.00} transaction has a reference number of XXXX. On XX/XX/2019, we noticed the suspicious charges, notified the bank of the charges, and asked to restrict all access to online banking. They complied with our request and initially reversed the charges while they investigated. However, they later notified us that they believed the charges to be legitimate and reposted them to the account. We believe that the suspect was somehow able to gain access to our online account and initiate the transfer. Because we could not resolve this issue with our bank, we have filed a complaint with the FBI 's Internet Crime Complaint Center ( IC3 ). 

Proper protections that could have mitigated or eliminated risks were not put in place by either XXXX or XXXX XXXX. We had never before heard of XXXX, had never used it before, and were not aware it was even a service offered by our bank. We were not notified when the payments had been initiated, even though this was the first time the service was being used from our account. We were also not notified by chase when two large electronic transfers were simultaneously posted to our account within minutes of each other, something that is usually considered a red flag. XXXX XXXX XXXX, the president of the company that owns Zelle is quoted as saying we remind consumers to only use Zelle for transacting with people they know and trust '', however the service allows you to instantly transfer money to absolutely anyone. If they were actually concerned with fraud protections and security, it would be fairly simple to implement a control that allows users to only send money to accounts and people that were added and confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
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 2023-05-18
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX and M & T Bank, in collaboration, has provided false inaccurate fraudulent mortgage accounts activities, under my identity that is unlawful and untrue. 
These mortgage entities have claimed that the property located at XXXX XXXX XXXX in XXXX Texas XXXX, was used as collateral on the property located at XXXX XXXX XXXX in XXXX Texas XXXX. 
This is incorrect and not true. 
The property located at XXXX XXXX XXXX XXXX Texas XXXX, was purchased in XXXX and the loan servicer was XXXX XXXX 
XXXX XXXX  purchased the loan from XXXX XXXX  on XX/XX/XXXX in XXXX of XXXX a loan was established under my identity in the amount of {$80000.00} under the XXXX XXXX XXXX services. The collateral property proclaimed to be on XXXX XXXX was used to secure a property in XXXX. 
This is fraudulently without my knowledge or authorizing M & T. Bank claims entitlements that are inaccurate and not identifiable by the XXXX XXXX XXXX XXXX. 
The property on XXXX XXXX was not used in XXXX to secure a loan in XXXX. 
This is absurd and the original documents to the properties involved held by the veterans loan guarantee program do not reflect these allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-05-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I received a notice via the CFPB from your firm stating that my complaint requesting the erroneous, inaccurate, and incomplete items on my report to be deleted was not me. Are you serious? My complaint is a legitimate complaint due to the mistakes on my report that your company is knowingly falsely reporting. 

I assure you that it was in fact me who filed my complaint due to the negligence your company has shown in reference to my credit report and my complaint.. In fact if you do not honor my original request to delete the items contained in my previous letter, dated XX/XX/21 sent via certified mail, I will file a complaint with the Federal Trade Commission against your company as well as seek legal council for damages for the mental, physical, and emotional stress your company 's negligence in reference to this deformation to my reputation due to your false report. 

This is my 2nd attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General. 

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taking advantage of once again and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items 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 2021-05-05
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have found the following inquiries on my credit report recently, none of which I have authorized. I have frozen all 3 credit bureau 's until this is resolved. I want all of these deleted as this is inaccurate reporting and negatively effecting my life and my ability to get a home for my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Despite XXXX written requests, the exclusions are still listed on my consumer credit report which is a violation of Federal Law. These accounts were initiated by my social security card XXXX XXXX Bank, XXXX Bank XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX. Finance Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Pursuant to TILA 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Any card I used to initiate a consumer credit transaction is a credit card, that means anything thats attached to my social security card is Excluded from my consumer report. Equifax is in violation of willful noncompliance for reporting Excluded items on my consumer credit report for over a year. title 15 USC 1682o ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and 15 USC 1681n ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Furthermore, a charge off is consider income. According to the XXXX, nearly any debt you owe that is canceled, forgiven or discharged becomes taxable income to you. 

Equifax is reporting XXXX XXXX as a charge-off bad debt, when in fact its income, negligent noncompliance violation. 
Equifax is reporting XXXX XXXX XXXX XXXX as a charge-off bad debt, when in fact its income, negligent noncompliance violation. 
Equifax is reporting XXXX XXXX XXXX as a charge-off bad debt, when in fact its income, negligent noncompliance violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hi My name is XXXX XXXX On XX/XX/2021 I call capital one to despite idm. Was on my charger I mad that pierces after half hour I call capital one spoke with customer service repainted I talk her please cancel the despite. 
I spoke with the merchant big manager he talk me to sent the merchandise back the will give me my credit back on my account.

Im the mean time capital one never cancel my despite the canteen new. The merchant give me credit on my account and capital one did the same. 
No I tried to talk to capital on to remove the credit from my account the refused to remove it. The are continuing with the despite. Every day I see in my account I have credit of {$34.00} the next day I see credit of {$61.00} the next credit of {$44.00} XXXX owe them {$26.00} the put the totes the {$61.00} from the credit the gave me witch I been tallied them to take the {$61.00} the are refusing to do. That why customer have problems with credit cards. I pay all the amount every month XXXX dont owe the nothing except {$26.00} the put that towards the {$61.00} so next month the will asked me to pay them {$61.00}. 
Capital one is the worst bank XXXX ever delta with the thrive and if you not smart enough the will destroy your life. 

Thanks you XXXX XXXX

Company response to consumer: Closed with explanation