BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: ALLIANT CREDIT UNION
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I mistakenly set up an autodraft for my car payment to XXXX XXXX. Two payments were sent from my account before I realized the error which I quickly corrected, XXXX and XXXX of this year. I contacted my bank, then XXXX. XXXX can not find the money even though I have a prepaid monthly account with them! and XXXX is extremely poor in customer service having spent countless hours on the phone with them. My bank could care less. Most of the people working there give me the same pat answer. They do not have my back. I have no way to escalate the problem. They told me it's on XXXX while XXXX tells me it's my banks ineptitude. The bank I have been with for twenty years refused to cover me. Though it was my error they will not consider that fraud has now entered the picture. So currently, I am out of {$440.00}. I'm not trying to make excuses but since my husband died I have been mistake prone but in banking there is no room for human error or compassion. I get that. I'm not even sure I have placed this complaint in the right category.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
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:
It could be that this creditor just made a mistake because I assure you XXXX XXXX wasnt paid late, its in deferment payments were reduced.. Please verify and delete it from my credit report.. .The error has affected my credit score..CFPB please step up and fix this ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My debt collection is with XXXX XXXX which I never received anything from them, it just went straight to a law firm. Originally they were claiming {$1300.00}, I had called XXXX XXXX XXXX to make payment arrangements, they were unwilling to work with me. Then XXXX XXXX XXXX office closed, and a supposed new law office XXXX XXXX sent me new information tacking on an additional {$1000.00}, alleging they had a lawyer spend 3 hours at a rate of {$350.00} an hour to investigate and handle my paperwork when all of that had already been handled and processed. Then I spoke with a representative named XXXX with XXXX XXXX and I explained to him that I was going to request a hearing and they submitted to the courts a request for a judgement immediately and that I had not requested a hearing. Also I am learning that the same representatives who are with XXXX XXXX work for Express Recovery, it seems very suspect that Express Recovery would employ the same people as XXXX XXXX. Also express recovery on XX/XX/2019 illegally took {$150.00} from our bank account leaving only {$1.00}. We never received a notice from XXXX XXXX or XXXX XXXX or the courts and we never authorized this transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX XXXX response on XXXX, XXXX to my request submitted in XXXX he does not supply the info i requested : on XX/XX/XXXX i rec 'd a statement dated XX/XX/XXXX with a reinstatement fee of {$40000.00} they refuse to give a breakdown of how that fee is calculated i have asked in the past for a explanation of escrow balance late charge balance XXXX XXXX XXXX unapplied funds but they refuse which is a violation of the CFPB instead he sends a copy of my mortgage and states i can contact them by phone or send a letter, well if you refuse to respond to my letters i have to use CFPB to request the info, and as shown in your response you still refuse to supply the information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
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:
Unauthorized credit card opened in my name from Citizens Bank. Which is hurting my credit score an negative credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: CT
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 account number : XXXX XXXX. XXXX  XXXX XXXX account number XXXX XXXX. XXXX XXXX  account number XXXX XXXX. I HAVE NEVER LIVED IN ANY OTHER STATE IN THE UNITED STATES EXCEPT CONNECTICUT.

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. In addition to the statement above, the information below is incorrect.

15 USC 1681 section 602 A state 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 instruction.

15 USC 1681C ( A ) ( five ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 US C 1681s 2 ( A ) ( 1 ) A person shall not finish any information relation to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is an accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: NJ
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:
1. I've have requested that Experian delete XXXX XXXX from the consumer file concerning me 2 times ( XX/XX/2022 and XX/XX/2022 ) and requested full 609 disclosure of my consumer file each time. Experian in is violation of the Fair Credit Reporting Act. I provided them with a copy of my ID and a utility bill and they have ignored me twice. I even notified Experian through their registered agent in New Jersey, so they can not say they did not receive my request and dispute. 
2. Experian has never responded to my dispute letters or even noted this account as being disputed. 
3. Experian was supposed to send me the full 609 disclosure of everything in my consumer file within 15 days of my 609 request and they have failed or refused to do it. I requested written copies. 
4. XXXX XXXX is not even a legal entity in Nevada or New Jersey. I have submitted proof of this with my dispute letters and Experian still refuses to delete this inaccurate in tradeline from my consumer file and consumer reports. I am including the same proof with this complaint. 

Failure of an entity to be registered to do business in my state or the state they are supposedly organized in is a violation of my rights and prevents me from being able to bring suit against them. I am being damaged by Experian allowing this inaccurate account that is not 100 % accurate to be in my consumer file or my consumer reports. Experian is required by law to ensure maximum possible accuracy which is 100 %.

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 2022-03-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: CITIBANK, N.A.
State: NE
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: Card was charged for something you did not purchase with the card

Complaint:
Fraudulent charge of {$920.00} was made on XX/XX/2021 to a Citi card previously held by me. I reported the fraud to Citi on XX/XX/2021. Citi cancelled the card on which the fraudulent charge was made and issued a new one but moved the fraudulent charge to the newly issued card. I received a letter dated XX/XX/2021 stating that my account had been credited and would be reversed in 2 business days. To date, Citi has failed to credit the account and remove the charge. Furthermore, they have assessed late fees and finance charges ( and continue ) on the fraudulent charge amount disputed and reported me as a delinquent account to credit agencies. To date, Citi has failed to resolve and remove the fraudulent charge and all related charges from my account. They have also failed to retract their erroneous reporting regarding my account to the credit agencies. To date, they continue their threatening attempts to coerce me into paying the fraudulent charge and related amounts charged to the account.

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 2023-08-25
Company: Financial Corporation of America
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against Financial Corporation of America Dear Sir/Madam , I am writing to formally file a complaint against Financial Corporation of America for unfair billing practices. 

Account Information : - Account Number : XXXX - Type of Account : Credit Incident Details : I received your notice dated XXXX XXXX, stating that I owe a debt amounting to {$1300.00}. I believe this debt is in error, and I have no knowledge or record of owing this debt to the original creditor, XXXX XXXX XXXX. I request that you provide me with a validation of this debt, including the amount and details about the creditor. 

I have also consulted with my attending XXXX, XXXX She, regarding this matter. XXXX She has confirmed that there is no such charge required for the service and that she will not be charging any additional fees. Her statement contradicts the bill I have received, further questioning its legitimacy. 

Resolution Sought : I kindly request your assistance in removing this unauthorized bill from my account as soon as possible. 


Attached Documents : I have attached to support my complaint. 

I kindly request your immediate attention to this matter and look forward to your prompt response. Failure to adequately resolve this issue will leave me with no choice but to pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is a violation of 15 usc 1681a Transaction history is not part of a consumer report.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I returned an item, by US mail, and the merchant did not credit my account. I sent two letters to BOA asking them to investigate. I provided a tracking number but they did not respond

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This 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 explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
PLEASE UPDATE MY INFORMATION ON YOUR SYSTEM, AND PLEASE MAKE IS ACCURATE, ALL THE NEEDED DOCUEMNTS ARE ATTATCH BELOW, PLEASE. THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I put money including {$1700.00} in my Wells Fargo account that was given to me to feed the seniors and homeless dinners on XXXX & XXXX, however the money was fraudulently taken from my account around XX/XX/ and after I reported it around XX/XX/, I filed a police report with the XXXX Police Department and the same company had taken {$100.00} so I filed a claim for that one too. I was told over the phone that it was done by me or someone with my permission and that I wasn't going to get my money back. I filed a few more claims as I took the situation to the highest the corporate level and recently again was told that the claim could not be opened, but the agent who was on the phone told me that XXXX gave them the information to reject the claim saying basically that it was not fraud. I have asked several times where did my money go because you said it was a purchase so where did the purchase take place because according to my account all of the transactions shows a merchant name on it except for the {$1700.00} & {$100.00} which has no name on there but the company did grant the claim and I was refunded {$100.00} back to my account so I contact Wells Fargo again about the {$1700.00} and was again told that I would not get that money back.

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 2023-08-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please know the information on my credit report is not correct. I've listed name and inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 explanation
Consumer complaint received 2020-04-14
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I just checked my credit report and there is a new collection from " Enhanced Recovery System '' this is an item that I have no knowledge about. I have sent debt validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/XXXX, XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via bank wire, and through an intermediary named XXXX in the total amount of XXXX USD utilizing your services. 

On XXXX XXXX I spoke with the banks representative and got the information that my case is closed and that the bank is unable to return my funds as the account in the beneficiary bank is closed. 

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether BOA did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of BOAs custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether BOA promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether BOA was in compliance with its own policies and procedures ; ( v ) whether BOA owed duties to myself, what the scope of those duties was, and whether BOA did not uphold those duties ; ( vi ) whether BOAs conduct was unfair ; and ( vii ) whether BOA has within its power the ability to, and should, compensate me for the harm that has befallen me.

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 2023-08-22
Company: Bread Financial Holdings, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled 3 accounts with Commenity on the same day and call. The representative must have not closed out one correctly. They reflected the XXXX retail card correct. I had to fight to have them fix Victoria Secret that agent said its recorded I settled all 3 accounts but the representative didn't close the Victoria Secret correct nor Torrid. So then they fixed only Victoria Secret. Over a yr later from XX/XX/XXXX I did all I could to resolve all my debt. Now ever since XX/XX/XXXX community continued to report late & derogatory and not reflect the settlement. It has ruined my hopes of growth again. I can't help my daughter with college due to my continuing late from Torrid. I have spent over 13 hrs on the phone. Countless calls and now they sold the debt. I filed with XXXX XXXX  they said it was settled. Still dealing with it all. Please this has just bothered me daily I can't believe they haven't taken the time to look at it logically. Fix this reflect it the way the other 2 accounts finally show. I am begging for any help. Over 1 yr later all the late. Thank you

Company response to consumer: Closed with explanation