BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a text from a # stating that there is a suspicious transfer from XXXX and it asked me to reply yes if I authorized and no if I did not. 
I replied no and shortly after, i got a call from XXXX. 
I talked an imposter that pretended to be a bank of America Customer Service Representative. 
He told me that my account has been compromised that that the perpetrator has scheduled XXXX dollars in total to be taken out of my account. 
He then told me that I will need to transfer money to a temporary account and that all the money will be credited back to me once investigation is over. 

He has walk me thorough creating a new recipient and provided a new phone # each time since it would expire after 24 hours. He walked me through receiving a message from bank of America or approve transaction and it should reflect on my account once I replied yes that it was being on process and the next following day, it should clear. 

He had instructed me to transfer money in XX/XX/XXXX at XXXX and was on the phone for 39 minutes and money was transferred with total amount {$3500.00} ( XXXX transaction XXXX and XXXX transaction {$100.00}. 
He then told me that I will be doing this for 3 days so total amount of XXXX can be transferred and that my money will be safe. 
He called me back XX/XX/XXXX around XXXX and I did the same transaction which totaled to XXXX dollars and also XX/XX/XXXX at XXXX which totaled to XXXX dollars. 
Once I was done with the transfers that week, he told me that I would receive a call the following week and would have to transfer another XXXX. 

He continue to contact me from the same # and gave me updates that my case is being investigated and they'll continue to send me updates. 

I got another call the following week XX/XX/XXXX around XXXX and he had walked me through transferring another XXXX dollars. 

I noticed that the amount of money in my account was decreasing so I called Bank of America the same day but could not get through as their customer service line is close and will be open the next business hours. 

I called the next following XX/XX/XXXX and talked to a representative and let them know my situation. The representative I talked to said that there was no notation about someone from their team reaching out to me those days I transferred money. They then transferred me to Fraud department and I filed a claim. The representative told me that they will be doing an investigation and on the XXXX day I should get an email from Bank of America that will give me an update of the investigation.

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 2022-11-16
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Bank of America for more than four 4 Years reported as charged off, and bad debt to the Credit Reporting Agencies in the amount of {$4800.00} In view of such fact said report is inaccurate according to the IRS manual where a charged off is considered income which should be reported for tax purposes and income is excluded from the consumer report. Further, it's an impossibility for the report to ever be accurate as said amount can not be debt and income for me simultaneously. 

Notice this account is being currently litigated in Court by a third-party debt collector XXXX XXXX XXXX on behalf of Bank of America who also at one point had another debt collector that attempted to collect this debt without any form of verification. 

The record reflects numerous correspondence between all parties. There is evidence in abundance that support BANK of AMERICA NA. acts and omissions are deceptive, abusive, and inconsistent with the Provision of Several Federal Statutes including but not limited to the FDCPA and or FCRA The Consumer has been denied extension of credit on several occasion which constitute actual damage. 

I have attached a copy of a notice dated XX/XX/23 that was sent to BANK of AMERICA NA of my intentions to commence an action. Said notice sent is accompanied by a copy of the present case being litigated in a County Court on behalf of BANK of AMERICA NA. by XXXX XXXX XXXX XXXX against the consumer

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 2018-06-06
Company: Pendrick Capital Partners Holding, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, I received a debt collection letter from Pendrick Capital Partners DBA XXXX XXXX XXXX in XXXX, NY attempting to collect a {$290.00} debt that is clearly not mine. I contacted the company explaining that the debt is not mine, that I am not related to the debtor or beneficiary of the debt, and that I did not reside in the state where the debt was incurred at the time it was incurred. Pendrick responded with a copy of the original invoice, showing the debtor is definitively not me, yet still demanding immediate payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a new leader called Edfinancial and I am unable to get any clarification on my loan. The letter I received in the mail is completely different than my account. 

The amount is different, the due date is different and I've called them for weeks as well as email but no response. I've been on hold for hours as well as selected the option to have someone call me back but no one did.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-08
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX ( through XXXX XXXX XXXX ) offers promotional 0 % interest on certain purchases. I opened a new account and made a purchase for {$4900.00} on XX/XX/XXXX. They market this as 0 % interest for 12 months. I made additional non-promotional purchases during the same billing cycle for {$860.00} and retuned {$140.00} for a net balance on those non-promotional purchases of {$720.00}. On the first statement due date of XX/XX/XXXX I paid {$750.00}, but was charged interest. 

I spoke with XXXX on XX/XX/XXXX and they indicated that {$170.00} of my payment was applied to the promotional balance, leaving an outstanding balance of {$150.00} on the interest bearing non-promotional purchases. 

Within the promotional fine print there is a disclosure that a minimum principal payment will be applied each payment cycle, but nowhere on the statement does it disclose the amount that will be applied to the promotional balance, so there is no way to know how much you need to pay to cover both non-promotional purchases and the minimum principal payment due on the promotional purchases unless you call them in order to avoid paying interest on any non-promotional purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2018 Added a XXXX recipient " XXXX '' -- XXXX XXXX XXXX XX/XX/2018 TRANSFER TO XXXX XXXX REF # XXXX ( via XXXX ) {$240.00} -- email used was : XXXX XX/XX/2018 Amount not received by XXXX XX/XX/XXXX Talked to Wells Fargo banker " XXXX '' at XXXX XXXX Branch He noticed that XXXX had not registered for XXXX with her email yet. Sent instructions via email to XXXX on how to register with XXXX and asked her to do so. XX/XX/2018 XXXX still has not recived the {$240.00} in her account Added XXXX recipient " XXXX '' -- XXXX XXXX ( XXXX 's husband ) TRANSFER TO XXXX XXXX ON XX/XX/XXXX REF # XXXX ( via XXXX ) --  email used was : XXXX XX/XX/XXXX XXXX XXXX received the amount in their account ( same account as XXXX ) {$240.00} XX/XX/2018 Talked to Wells Fargo banker " XXXX '' XXXX checked both of our accounts -- XXXX 's email was still NOT registered with XXXX -- XX/XX/18 Our account showed a payment of {$240.00} to XXXX -- XX/XX/18 Our account showed that the payment was delivered to some WF account ( not XXXX 's ) -- XX/XX/18 XXXX XXXX & XXXX 's account show NO payment received on XX/XX/18. -- XX/XX/18 XXXX XXXX & XXXX 's account show the payment ( {$240.00} ) received. ( sent on XX/XX/XXXX ) XX/XX/2018 After almost 3 weeks of original XXXX payment, the amount that should have been returned to us within 10 days of No Delivery is still no where to be found. XX/XX/2018 XXXX claim case opened : XXXX XX/XX/2018 XXXX claim case closed : They claim the amount was successfully delivered and a token was successfully issued and there is nothing they can do now ( but they do not disclose to WHOM it was delivered ) The question is : If XXXX 's email is not registered with XXXX ( as Wells Fargo has verified ), then where did the original amount of {$240.00} go -- it was taken from our account but not received by the intended recipient ( both facts verified by Wells Fargo including the intended recipient 's email address, so no confusion about the email address either ), then where did it go and why are they not refunding us?? XXXX & XXXX have no other bank account. XXXX also called Wells Fargo & XXXX, but they could not help him either to track down the missing payment. XX/XX/XXXX -- XX/XX/XXXX Went back & forth with the Wells Fargo banker " XXXX ''. He opened a new case : XXXX with their Executive Resolution Team, who took 2 weeks to look into this. In the end the case was closed because XXXX won't expose the account # the amount was deposited to. XXXX gave up and agreed we go through the Legal Route.

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 2023-10-17
Company: EdFinancial Services
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan payments to EDFinancial have been reversed 2 separate times causing my loan to accrue unjust interest and late fees.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-02-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: AE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On XX/XX/2019, I was scammed by XXXX XXXX on XXXX and ended up owing Citizens Bank {$4800.00}. I been constantly getting harassed by the bank collectors and by detectives, which I been cooperative and they still haven't helped resolved the issue. This event has caused much trauma and makes me feel as if they don't care about the situation. I'd like to file a lawsuit against Citizens Bank for harassment and defamation. I am currently XXXX XXXX for the United States XXXX and want this resolved so I can be able to finance a beater to get to and from work. This incident ruined my life. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: EQUIFAX, INC.
State: OH
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:
This account was paid and closed off in the month of XXXX in 2019. 

This is a secured credit card and I paid {$200.00} to open my balance. My balance was only roughly {$160.00} and I put {$200.00}, And the creditor agreed to close my account and pay me my remaining balance out of the XXXX $ after taking the money for the payment Due. 

Instead the company keeps my account open // does not pay me the money and I get 2 late payment. I would like all of this removed off my credit. 


On the comment section it even says closed a creditors grantors request. That was in XXXX. The card was still open for two months after that The company address is XXXX XXXX XXXX XXXX XXXX, SD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EdFinancial Services
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Immediately signed up to EdFinancials new student loan portal before the first payment was due in XXXX. Applied for SAVE program. Was at first able to log in. 

A few weeks before student loans were due, I tried logging in and every day since have receive errors that no loans are in record and my account is blocked. When calling, the phone system goes into a loop of entering your date of birth, social security number. Chat is never online and available. I emailed before my loans were due, and never received a reply. 

I received an email near XXXX that I had a message in my account, and could not log in. I just received a statement showing I have almost {$3800.00} due on XX/XX/XXXX! I should have {$120.00} max on the SAVE program, but I have no way of contacting them. 

This is ridiculous.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not inaccurate. This is ground for removal they also violated my rights under 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. 

Also the credit bureaus took more than 30 days to complete my investigation

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 2023-03-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a {$9000.00} balance transfer check sent to Wells Fargo to pay off my credit card balance for the XX/XX/ due date. Wells Fargo took more than one month to process the check and as a result it was stopped due to being stale dated by the other bank. I also through Wells Fargo 's website had another payment made from one of my checking accounts. Because Wells Fargo attempted to cash the stale dated check they rejected my payment from my checking account stating that my credit card was paid in full and then after realizing that the check was stopped charged my a late fee. I find this unacceptable as they are charging me for their mistakes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
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 name : XXXX  Account numberXXXX Account name : XXXX XXXX  Account numberXXXX Account name : XXXX XXXX  XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX  Account number:XXXX Account name : XXXX  XXXX Account number:XXXX Account name : XXXX  Account number:XXXX Account name : XXXX XXXX Account number:XXXX  Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX  Account number:XXXX Account name : XXXX XXXX  Account number:XXXX Account name : Account number : has violated my rights. Or list of inquiries 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. ( 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 2019-02-08
Company: EQUIFAX, INC.
State: IA
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 first contacted Equifax on or about XX/XX/2018 about an incorrect address on my credit report that caused incorrect information being sent out about me. I later determined that Equifax had me and my daughter mixed up. This caused my daughter 's information to be associated with my social security number. In the weeks that followed they refused to change anything because they claimed to have credit information from a local bank to prove what they had was correct. They would not show me that information but I determined it came from me co-signing for a loan for my daughter. They have made a mistake and will not correct it. Also they will not send me a copy of the credit report they have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: CA
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:
The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not inaccurate. This is ground for removal they also violated my rights under 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. 

Also the credit bureaus took more than 30 days to complete my investigation

Company response to consumer: Closed with explanation