BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I am planning a trip to XXXX for the school. They did not allow us to use their credit cards so I had to pay the airline with my credit card. The auditors don't want the check to be written to me. They write it to the credit card company. I have to wait for the charge to appear on my card and then print out a receipt, fill out paperwork and submit to the office. The class treasurer, the principal have to approve the disbursement. Then the secretary writes the check. They do this process once a week so if you don't get it in before that week you have to wait until the next week. Then I have to go to the post office and mail it. My due date was XX/XX/XXXX. I went to the post office so I could mail it certified mail on Tuesday XX/XX/XXXX. It was getting mailed to a place less than a XXXX XXXX XXXX from my house. I also have the return receipt. The credit card company posted interest from it being late on XX/XX/XXXX. They charged me {$530.00} and change. I called on XX/XX/XXXX the first time and was given the run around. I called back on the XXXX and was told it was declined. I called back again a few days later and another woman told me it was escalated and they were waiting for an answer. It should take 7 - 10 days. As of today XX/XX/XXXX I have not had an answer. I asked them to drop the interest charges because the school will not pay it. I paid the entire amount off that I had charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am trying to access a portion of my unlimited credit and Bank of America will not let me do so in any form. I applied for a car loan and a credit card in XXXX and was denied both times. Due to this denial I had to go with a subprime bank to purchase a vehicle. 

They are also threatening to close my checking account for being in the negative. Not being able to access credit has cost me dearly. 

I need to know all the factors underwriting used to deny my consumer applications based on the law? 

I also, need to remind them that their policies are not in alignment with the law according to 15 U.S. Code Subsection 1611 for willful and knowing you are in violation as well as the securities and exchange act of 1934, and CFR 321, 328.6 and adverse action.

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 2023-03-27
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am trying to access a portion of my unlimited credit and Navy Federal Credit Union will not let me do so in any form. I applied for a personal loan and a credit card XX/XX/XXXX and was denied both times. 

They are also closed several of my checking account for being in the negative, and I am recently finding out all of their denials and account closings are illegal. Not being able to access credit has cost me dearly. 

I need to know all the factors underwriting used to deny my consumer applications based on the law? 

I also, need to remind them that their policies are not in alignment with the law according to 15 U.S. Code Subsection 1611 for willful and knowing you are in violation as well as the securities and exchange act of 1934, and CFR 321, 328.6 and adverse action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX they placed my account under refview and will not give me any information. They did not notify they were putting my account on hold and froze my account and i did not find out until i went to make a purchase on XX/XX/XXXX. 

I have escalated multiple times and they accepted my paycheck but wont give me the money. I have a active XXXX XXXX case and they are in violation of the automatic stay by not releasing my funds. 

I want my funds sent to me and the account closed. I am fine if they dont want my business but they are holding my funds XXXX. I have {$2400.00} showing available but they are keeping it 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 monetary relief
Consumer complaint received 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Bank of America sent email that I need to unfreeze my credit to get a credit card I did not apply for XXXX time a card was issued for me and my spouse.. 
XXXX  time in 3 months Telephone number on email does not answer My credit is on freeze because of this activity by BOA Bad business practice Bank of America

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 2023-03-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was supposed to receive a distribtuion from employement retirement services from Wells Fargo for {$34000.00} on XX/XX/XXXX. They confirmed this transaction but this time they sent Wells Fargo XXXX as payment as I learned on XX/XX/2023. The adminstrator and Wells Fargo HR ( both confirmed this. 

I called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXX XXXX XXXX XXXX ) as directed and both confirmed no shares were received or an account even exists. Therefore I can not sell the stock while the stock is " lost '' by Wells Fargo as distribution for my retirement plan. 

The stock has lost value and I have no ability to sell and the company is only able to confirm distribtuion but not the location and as of XX/XX/2023 " lost ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: OH
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 contacted the 3 credit bureaus concerning late payments placed on my account from XXXX XXXX loan # XXXX. I was not late on my payments. I disputed with XXXX via mail XXXX. I requested XXXX send me proof of late payments and I was sent documents that did not clearly show a payment as late. I asked XXXX to remove these items and they say that they can not assist me in removing any negative reporting. All 3 credit reporting bureaus state they have verified but are not providing proof of such verifications. I have request multiple times over multiple years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Zions Debt Holdings
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This problem started with one of my business with XXXX XXXX XXXX. I have several businesses with them and they are all in automatic draft, I never had an issue and I always paid everything on time. When the pandemic happened we shut down several locations, but we continued to paid our bills, this location was one of them. Not sure what happened with the account for this location that they stopped drafting the money, they never contacted me, and it appear that they had the contact from a disgruntled employee of ours not me. Now I find out on my credit report I have a collection for an amount and try investigating and its related to the account which I had no idea about. 

I contacted XXXX to see why is that charge, but XXXX can not give me any information since they sold the debt. I contacted the debt collection agency to see why they are charging that amount on my credit and how they got my personal information to hit my credit when this was a business account, but they have not given me any information, all they say I have to pay if I want that to go away from my credit. I filed a complaint with XXXX and they said its resolved and the debt is valid and they can not do anything about it. Now my credit is damaged, when I had a perfect score, and i can't dispute anything. They never contacted me to provide me proof of any debt, not even sure what contact information they have on file. 

I believe they use my personal information when I signed up for my house and added that information to my business information in order to report it to my credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX ( " XXXX '' ) engaged in aggressive behavior which greatly impacted my credit score preventing me from obtaining a favorable interest rate. In preparation of obtaining a car loan, I issued a payment for {$7500.00} to pay off the card on XX/XX/2023. My credit limit was {$7900.00}. On or about XX/XX/2033, I made a purchase on {$710.00} on the credit card. Without any warning or valid reason, XXXX reduced my credit limit to {$800.00}. This immediately impacted by credit score since it showed a maxed out credit card on my report. I immediately paid off the card for {$710.00} near the same time. After multiple calls, my credit report still has not been updated.

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 2023-03-27
Company: MoneyLion Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Money Lion makes available to its members a Credit Builder Plus loan and a XXXX loan. The credit builder plus loan requires you to have a membership that is independent of the XXXX  account. Upon paying off my credit builder plus loan, I attempted to reborrow but kept getting a message saying " your internet connection is down '' when in fact I had full service. After calling Money Lion, they said " upon checking, we see that you have a balance on your XXXX  account and you can not reborrow until that is paid '' 1. The message is misleading and deceptive and I was never notified if I paid off, I could not reborrow. It is obviously not an internet issue, rather another shady business practice by this company. 
2. The accounts were independent and non contingent on each other. My membership fee is excessive, but does not include use of XXXX, as those fees are paid above and beyond what is included in the membership. These loans are not connected at all and should not depend on each other for approval. 
3. This isn't the only functionality issue I have had with the app. This summer I was trying to make payments using debit card and the functionally was broken for months even though they advertised it.. I had to provide payment info over emails many times to reps so they could run it manually which was completely insecure and unprofessional. 
4. XXXX XXXX  loan amounts change constantly and are inconsistent, putting borrowers in dyer financial situations when they can not reborrow the same amounts from the previous week. This does not help build financial stability as marketed, instead causing financial distress and putting borrowers in unmanageable situations.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CITIBANK, N.A.
State: CT
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a XXXX stay advertised as Modern Home with PRIVATE Pool & Jacuzzi. I made a partial payment to AMEX and the remaining on a Citicard totaling over {$10000.00}. I did not receive the item as it was described. The jacuzzi did not heat which I have correspondence between the host and I to document. But the worst part is, IT WAS NOT PRIVATE! There was a camera hidden inconspicuously and was not disclosed. Not only did the merchant falsely advertise his product as private but he also committed a crime recording individuals and minors in the XXXX without their consent. I have done everything AMEX and Citibank has requested in order to resolve this dispute. AMEX closed the dispute in my favor. Citibank retaliated against their consumer, me, by lowering the credit line immediately after making the dispute making the entire amount become due vs. a regular revolving account. As a result, they have been negatively been reporting on my credit which has caused great detriment. I have complained several times of constantly being disconnected when I call in. I have several reps who I've spoken to and made promises admitting that Citibank shouldn't have made the whole amount due while in dispute. They have ruined my life, scarred me, failed to protect me and I will let everyone know who will listen until this mistake is reversed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  is not reporting my credit on time they reporting a whole month later I pay on time every month they report it the next month which is makin my credit score not approve as it should be! I will like my credit score as it should be! I have them in court also for fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 explanation
Consumer complaint received 2023-03-28
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: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting inaccurate late payments for account XXXX XXXX XXXX XXXX. I have tried to get the late payments removed far too long and I do not think an investigation was done because the creditor informed me that Equifax has not reached out for any information. Please see the attached dispute letter that was mailed to the credit reporting agencies on XX/XX/23 which is dated, and time stamped. Lastly, the credit bureaus are reporting inconsistent information which is clearly a violation of the FCRA. I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n if the incorrect late payments are not removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXXXXXX XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-03-28
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681 I have the right to privacy 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TransferWise Ltd
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XXXX XXXX I had {$100.00} in my Wise account. I topped up {$35.00} from my XXXX XXXX  account to make the total {$130.00} and sent it XXXX. The amount after Wise 's fees was XXXX The recipient recived XXXX on XX/XX/XXXX. A difference of {$35.00} dollars, the exact amount I topped up was excluded from the transfer. I contacted Wise and they said it was probably swift fees taken out. I investigated further and spoke with the recipient 's bank. I also received a signed and verified document from her bank showing their fees and the intermediary bank fees ( XXXX ) totaled {$8.00} and was removed from the XXXX. No banks took {$35.00}, the amount missing. It was an error on Wise 's behalf. When I logged back into my Wise account I saw that they paused that {$35.00} transaction, but they had taken it out of my bank account and continue to claim they sent it despite me having evidence they did not. I have spoken with multiple customer service agents and sent screenshots and verified documents from my bank, their site, and the recipients bank/fees. They refuse to help me and keep saying some mystery bank probably took the {$35.00}. They will not admit their mistake or provide any evidence even though I have full evidence they never sent the {$35.00} I topped up my account.

Company response to consumer: Closed with explanation