BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank of America 's Alaska Airlines Visa Signature card mentioned a {$200.00} statement credit and bonus miles in XX/XX/XXXX as indicated below : " Limited Time, Exclusive Online Offer {$200.00} Statement Credit + 40,000 Bonus Miles! 

Get a {$200.00} statement credit, 40,000 bonus miles and Alaska 's Famous Companion Fare from {$120.00} ( {$99.00} fare plus taxes and fees from {$22.00} ) with this offer. To qualify, make {$2000.00} or more in purchases within the first 90 days of opening your account. To qualify for the {$200.00} statement credit, one of those purchases must be an eligible Alaska Airlines purchase. '' My partner and I opened an account with them back in XXXX and qualified for the 40,000 miles which was given on XX/XX/XXXX. However, we did NOT receive the promotional offer of the {$200.00} statement credit. We have called Bank of America representatives multiple times since XXXX ( XXXX, XXXX, XXXX, XXXX ). Each time we've called, the representative continuously reassures us that they expedited the request and our statement credit will be available within a certain amount of days. Yet we still haven't seen anything on my statement balance regarding the {$200.00} statement credit. After 2 calls of false promises, we started getting more details on who I was speaking to. 

On XX/XX/XXXX, we spoke to XXXX and she informed us that there was supposed to be a letter sent to our mailing address a couple months ago. We did not receive anything, so she mentioned she'll file a complaint and have the letter resent to my mailing address. To this day, we have not received that letter she mentioned. 

On our most recent last call with XXXX from customer service on Bank of America on XX/XX/XXXX, he reassured us that the request was once again expedited and will be seen in our statement within 5-15 days. It is XX/XX/XXXX, almost 3 weeks after we have spoken to him, and we still have not seen the promised statement credit. 

It's been over half a year since we've had the credit card, and we still have not seen the promised promotional offer of the {$200.00} statement credit. We've only received the 40,000 miles with Alaska Airlines but that was it.

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 2021-05-25
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I had a previous complaint, # XXXX, I'm not sure why it closed, as soon as they answered the complaint to you, you closed it. Seems like you would have questioned me to see if their answer was acceptable. I have been communicating with XXXX XXXX at Wells Fargo, since before XX/XX/2021. I paid off a line of credit based on my online balance. They even asked me if I wanted to close the line of credit, or leave it open. I left it open. Then they came back with approx. {$1100.00} in interest that was still owed. I asked for a spreadsheet with information showing me how they came up with this. The spreadsheet clearly shows they carried interest forward over many months while I paid large amounts to pay off the loan, over time. 
My contract with Wells Fargo clearly states : " Application of payments. Payments will be applied in the following order : First, to the accrued but unpaid promotional Finance Charges due : next to non-promotional Finance Charges due : next to any Fees that have been charged in accordance with the terms of the Agreement. The remainder of any payment will be applied first to any unpaid promotional Advances and then to any non-promotional Advances. Promotional Advances and Finance Charges refer to offers to use my Account on special terms that you may make to m from time to time : ... '' Clearly this did not happen or they would never carry forward an " unpaid interest '' amount, when I paid over the payment amount. 
I emailed XXXX XXXX on XX/XX/2021 after I received her response. I asked her for clarification on why this wasn't followed, but got no response. Therefore, I need you to interfere to correct this, or my only option after that would be to take them to court.

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 2023-06-09
Company: John C. Heath, Attorney at Law, PLLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
They promised that they will remove derogatory information on my credit within a couple of months and have been charging me {$130.00} a month for about 9 months with no result. I just uncovered that those fees were illegal because they were not supposed to charge me until thy resolved my issues. They kept charging me for months with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Applied Data Finance, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
To whom it XXXX concern, On XX/XX/2023 XXXX XXXX XXXX contacted my family member and shared my legally protected information with them. Here is their company information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX United States ( XXXX ) XXXX A representative of their company called my XXXX XXXX XXXX on his cell phone at ( XXXX ) XXXX and asked for me. He confirmed they had the wrong number and his identity, they then proceeded to share with him that I owed a dept to them which is protected information under Federal law. 

I have provided XXXX XXXX XXXX with a cease and desist request asking that they do not contact my family or friends or anyone else by phone. 

I also wish to bring awareness to the appropriate government agency that they are not in compliance with applicable laws regarding the sharing of personal information related to any alleged debt with anyone other than myself. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is in reference to complaint XXXX. Transunion stated that the account XXXX XXXX XXXX XXXX XXXX  was updated, but there was nothing updated. I asked for the late payment to be removed on XX/XX/XXXX so why haven't I received validation that the account was late or why hasn't it been removed? If you can not furnish the actual bank statement to show that I was late in XXXX then please remove this from my credit report or I will proceed with legal action. I do know that violations of the FCRA can be taken to small claims court and consumers are liable for {$1000.00} per violation.

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 2023-09-08
Company: EQUIFAX, INC.
State: IL
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:
XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report. 

DEPTEDXXXX  Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Code XXXX - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, Wells Fargo filed a NOD on the property in spite of the fact that there were issues with the mortgage balance, escrow account, and other issues.. 

I applied for mortgage relief and was approved for the mortgage grant through the XXXX XXXX XXXXXXXX XXXX. I received a message from them that " Your servicer has confirmed that the funds sent by the program for your application XXXX have been applied to bring your loan current as of XX/XX/2023. 

You will receive a follow-up email from the program with the final amount applied to the loan by your servicer. 
However, the balance of {$28000.00}, which included some bogus legal fees and late fees and was paid off through this grant, but Wells Fargo has only applied a partial amount for the balance.. 
Also, my mortgage amount has been changed from its original monthly amount of {$1100.00} and there is an escrow account balance which should not be as I have never had it since the mortgage account was originally set up.. 

I would like to know why Wells Fargo again time after time has the mortgage account in discrepancy..

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 2023-02-13
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-17
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. 

Account : XXXX  XXXX # XXXX Account : XXXX  XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXX-XXXX # XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

15 USC 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 2020-03-12
Company: EQUIFAX, INC.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 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 2023-07-26
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hey I never had a issue with them until now I had good reporting and never missed payment I see you guys do this to a lot of Apple users thats not fair theres no reason I need my account and spending balance lifted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: MIDFIRST BANK
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have a mortgage with Midland Mortgage and I have two offers. I have sent that info to Midland Mortgage. And yet I have not received anything. I also have a complaint about the XXXX that Hud sent Midland Mortgage to apply to my loan that was NEVER applied..I have not received anything about that. It has. I have been told that insurance is being paid twice a year and taxes are paid more than once a year. I seriously do not understand these charges that I am not aware off. And when asked I get no answers. I need a print out of the interest that has accured and also the insurance payments and the tax payments. I have yet to receive anything and when I call no one has a clue I am talking to the wrong dept. This mortgage company has alot of explaining I believe these are bogus charges. My insurance has NEVER changed. Paid once a yr and the insurance is less than XXXX a yr and also the taxes is less than XXXX a yr. They are saying they paid $ XXXX in insurance and taxes. Show me! Why is it taking Midland Mortgage so long to send me the proof and info. This Mortgage company is a scam and a fraud. I need answers. I am trying to sell the house to get away from this Mortgage company and it's scam..the government needs to looks into this company.

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 2023-09-19
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt collector is not providing the customer with the proof that was used to open up the account, This account was opened fraudulently. With different phone number and email address. 
I have had no access to the accounts and this isn't my responsibility to pay for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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:
It is a violation for credit reporting agents to report inaccurate information and I have requested a re-investigation for creditor XXXX XXXX XXXX XXXX but this account is still being reported with incorrect and unverified payment history and account activity dates. This account shows obvious inconsistent incorrect payment history but the reporting agent ( s ) are still reporting inaccurate information after confirmed the account was verify. If the creditor will not verify by sending billing statements, itemize billing and payment history to be accurate and that all account required dates to be correct, please cease this account from my credit reports because of nonfactual unethical reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX Date Opened:XX/XX/2022Balance : $ XXXX Late Date XXXXXX/XX/22TD BANK N.A. XXXX Balance : {$78.00} Date Opened : XXXX Open Late Date XX/XX/18

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