BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My aunt, XXXX XXXX XXXX invested in an Investment Certificate ( see attachments ) at Nations XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX. The investment amount was {$15000.00} earning 3.9900 % interest. The certificate had an automatic renewal quarterly. POD designation on the certificate is me, XXXX XXXX. My aunt passed away on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted the Bank of America Estate Services and spoke with XXXX regarding the Investment Certificate since Nations Bank combined with Bank of America in XXXX. XXXX reached out to the XXXX XXXX for assistance. He was informed that no recorded of the certificate existed and recommended that I contact the XXXX XXXX XXXX XXXX for Nations Bank as everything that existed prior to XXXX was either closed or dormant. 

I contacted the XXXX XXXX XXXX XXXX at XXXX for Nations BankXXXXBank of America on XX/XX/XXXX. At which time, I was informed that the historical group only deals in computer shares, not investments. The person I spoke with recommended that I contact the Virginia Department of Treasury. 

The Viriginia Department of Treasury informed me on XX/XX/XXXX, that no unclaimed property records existed for my aunt. Also, that financial institutes are obligated to send funds to the treasury department when mergers/buy outs occur and recommended that I contact the State Corporation Commission .

I contacted the State Corporation Commission on XX/XX/XXXX, and referred to the Financial Regulation/Banking Section XXXX XXXX is the gentleman that I spoke with informed me that the State Corporation Commission does not assist with this type of matter. He recommended that I file an online complaint with the Securities and Exchange Commission. On XXXX XXXX, I filed an online complaint with the Securities and Exchange Commission. As of this writing, I have yet to receive a response to my complaint. 

On XX/XX/XXXX, the FDIC informed me that they were unable to assist since Nations Bank had merged with another financial institution. FDIC recommended that I contact the Consumer Financial Protection Bureau. The person I spoke with XX/XX/XXXX, at CFPB explained the process to file an online complaint. 

At this point, I do not know of any other avenues to pursue in an effort to resolve this matter. Should you have questions or need additional information, please feel free to contact me at ( XXXX ) XXXX. Thank you in advance for any assistance you can provide. 

A scanned version of the front and back of the Investment Certificate is attached.

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 2023-11-04
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-08-09
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX POA revocation was sent certified mail. XX/XX/XXXX letter of recission and Affidavit was sent to XXXX XXXX. In XX/XX/XXXX contract was executed under false and fraudulent pretense to include inflated purchase cost, XXXX contract, down payment and dealership processing fee.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with fraud alerts or security freezes

Complaint:
My phone number on my checking account has been changed and was not aware of this, I did change it to the correct number ; also there was fraud to my account last year, and they let it go without putting a hold on the funds ; and they should know my pattern for shopping.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo, my account was from XXXX. Was under XXXX XXXX. Constant overdraft fees and atm fees when told it would be refunded never was. Over drafted my account almost XXXX closed my account. Auto loan paid off and refuse a XXXXXXXX XXXX. Another company never paid back from gap insurance as supposed to and advised.

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 2021-05-21
Company: Brightfunders, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
This complaint is in regards to our construction contract with Homeside Financial, LLC. We wanted to bring attention to some new discovery we uncovered ( from our original CFPB complaint # XXXX ) that involved some discreet internal maneuvers by Homeside Financial. After more extensive review of the banks documents, it appears at some point after the closing of our loan, Homeside Financial took it upon themselves to alter the construction line items in our contract! Unbeknownst to us, line items ( # 2, # 3 and # 4 ) of our contract were reconfigured on the Project Cost Report to the tune of {$66000.00}! We aren't sure why exactly this was done, but it appears it was in favor of a financial gain to our then, unscrupulous builder. That being said we were never informed of these particular changes to our construction worksheet or even authorized Homeside Financial to do them for that matter. No change orders or correspondence has ever been produced to support these changes to the agreement. 


To say this contributed to our insufficient construction project funds would be an understatement. Considering our then builder was given a construction deposit of {$110000.00} between us and Homeside Financial prior to the commencement of the project, we find it perplexing as to why they would disburse more money without our knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( XXXX ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.

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 2018-01-25
Company: IQOR US INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company is calling me in an attempt to reach my brother. I do not have any debts myself that they are trying to collect. 

Several weeks ago, I answered one of their calls ( after they kept trying repeatedly ), and I told them I had no information for them, and that I didn't have a better way for them to contact my brother. I asked them to stop calling me at any of my phone numbers, as I would be of no help to them. 

They have since attempted to call me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( I'm guessing they will try again today, XX/XX/XXXX ). In short, they're harassing me about a debt that I do not owe in an attempt to reach one of my relatives when they've already been told that I have no additional contact information for him.

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 2023-12-14
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
XXXX CFPB COMPLAINT # XXXX cFPB follow up complaint # XXXX recent dispute confirmation with Equifax Since XXXX you guys said you deleted this inquiry for XXXXXXXX XXXX XXXX that was made on or around XX/XX/2023 and you didn't! You lied to the CFPB which is a violation and I want to know the steps to get compensated. See attached for the old Identity theft reports as well as complaints where you said in writing it is removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am looking for help with Wells Fargo. I had a mortgage with them over the last XXXX  years and think I should be eligible for part of the lawsuit. I no longer hold an account and need to make sure I see the corrections if they are deemed right

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo became our home mortgage provider and we had issues with escrow and payment processing. They were our provider for less than a year.

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 2022-07-25
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was not mine, when I called they did not even have my date of birth attached to this account. They advised me to come here to fill out this paperwork. Representative that I called today ( XX/XX/2022 ) said that she didn't show this debt was attached to my date of birth and to dispute and send paper work to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: Experian Information Solutions 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:
I have XXXX accounts that are showing charged off. These accounts are not mine and are a result of identity theft police report attached. A report was sent XXXX XX/XX/2020 report number from experian it has been a back and forth battle and to no eval it has not been settled. Accounts that need to be deleted off my consumer report are below : 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 explanation
Consumer complaint received 2022-02-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The XXXX XXXX with account number XXXX appears to be a charge-off account with a specific balance of {$520.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX XXXX. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm 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 explanation
Consumer complaint received 2022-02-21
Company: BMW Financial Services NA, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
This account with BMW FIN SVC with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Experian Information Solutions Inc.
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:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR 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 U.S.C. 1681. Account : XXXX XXXX XXXX  Acct # XXXX Account : acct # XXXX Account : XXXX XXXX XXXX  acct # 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 A account without my written instructions. 15 U.S.C 1681c. section ( 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 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 explanation
Consumer complaint received 2020-01-13
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX Equifax Mortgage Service made an inquiry into my credit score when the loan which I had applied for had already been funded. I did not authorize this inquiry and as several inquiries had been made related to the same application for credit there is no reason that my credit score should be adversely impacted by these inquiries. 

On XX/XX/XXXX Equifax Mortgage Service made yet another unauthorized inquiry into my credit without my permission and about three months after my loan had already been funded. 

Each of these inquires adversely impacted my credit score and I would like to have the inquires removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: TX
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. XXXX has fraudulent accounts on my credit profile that must be removed immediately.

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 2018-01-17
Company: LDF Holdings, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
wanted to make payments using a different payment method. I was told i could not also called and asked if i could switch the payment due dates, to make it more convenient for me to make payments on this loan. They insisted i could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Credit Bureau Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I mailed a dispute letter to CBCS in regards to an alleged debt that I owe to XXXX XXXX. It is alleged that I owe {$100.00}. This is a debt that I DO NOT owe. CBCS only sent a statement but nothing that proves that I owe this erroneous debt. No signatures anywhere. This company is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Good day, I have a problem with Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX, which sponsors the store credit card for XXXX. I used this care for a year or so and things went fairly well until they started charging me exorbitant fees for late payment ( 1 day late! ) and other made up infringements. I called several times to complain and was treated very unsympathetically. I therefore resolved to pay off all balances and just keep the card, since I had been told that if I closed the account, it would adversely affect my credit. That was more than 3 years ago. 

Now the bank has sent me a letter which appears threatening to me. It reads in part : " You may not realize it, but your XXXX Credit Card account hasnt been used in 39 months Thats why were planning to close your account on XX/XX/2020. This means you wont be able to make any more purchases with this card and well let the credit bureaus know your account is closed. '' I am fine with the first part. It is the second part that makes me feel threatened. I do not need my credit score to be adversely affected right now. How can I have this credit card which I no longer have a desire to use, closed, without my credit score being lowered by the action? 

Thanks for you help and advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
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:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts, somebody used my personal information and applied for it, They put incorrect name as XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
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: Was not notified of investigation status or results

Complaint:
I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.

Company response to consumer: Closed with explanation