BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX Bank of America transferred {$1300.00} out of my account without permission. They claim this was to cover a vehicle that was totaled back in XXXX. I had gap insurance, so no balance should have been remaining. I called on XX/XX/XXXX and was told a manger would call me back that day because Bank Of America always sends out notices before they offset an account. I called again on XXXX and was told the same thin about a manager returning my call. I received a call today, XXXX from a manager and was informed that they typically offer a settlement or good faith payments towards balances like this, and they have in their notes that I asked them to not call me so they weren't able to offer those things to me. I informed him that that is a lie, as I have never asked Bank of America to not call me. I asked him to tell me where in the notes it is stating that I asked for them to not call me, and he said he would have to research it. 

Bank Of America has never sent me any correspondences offering me a settlement, good faith payments, or informing me about his alleged balance. Instead, they took money I had allocated towards bills with their unauthorized transaction. 

I asked the manager if I could pay a settlement, and he said no since they already had the money. Bank of America is an unethical financial institution that could care less about their customers.

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 2023-04-12
Company: AMERICAN EXPRESS COMPANY
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: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/XXXX To whom it may concern : RE : American Express Last XX/XX/XXXX I was given an option to open a Delta Credit card using American Express to save {$400.00} on our ticket. I then proceeded to check out only to find out I am disqualified because my purchase is just over XXXX dollars. I can not split the purchase and am forced to use another credit card to purchase. The Come on Ad then is gone, since I have no reason to go back to Delta, since I have my tickets. The American Express card appears in the mail days later. I can remember we need to spend XXXX dollars to qualify. Which ended up to be only XXXX dollars. It took us the full amount of time ( 3 months ) to spend XXXX dollars. I do not know, I must make a Delta purchase ( which I was denied ) also to qualify. I cant figure out why the credit is still not on our statement after the {$3000.00} purchase. Figuring it is another covid process problem! I made the call to American Express only to find out I had to spend {$1.00} on Delta to qualify for a {$400.00} credit. 
I sent a letter to the AM EX executive office in New York. By the time they return a reply we are in XXXX and without good phone and internet service. I reply ( text ) that we are out of communication and will follow up when we return to the states. 

American Express denies my credit of {$400.00}, but gives {$100.00} for goodwill. 
I then proceed to request documents that I signed to spend money on Delta. No Reply. 
I made a telephone request for the same, No Reply. 
I then called XXXX XXXX several more times only to be able to leave a message. No Reply. 

I feel like I am not the only one this has happened to. 
If I only needed to spend a dollar, I can not understand why they would not honor the {$400.00} credit. 
I obviously feel taken or I would not be writing another letter. In the old days if someone bothered to write a letter it was worth XXXX voices. In todays society I am sure it is many more customers that got the bait and switch. 

I believe I am still owed XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Resurgent Capital Services L.P.
State: PA
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:
LVNV AND XXXX are reporting that a have a collections account from XXXX XXXX that belong to me. I DO NOT have a XXXX  XXXX account that is negative. I have an open and active account with XXXX XXXX. My son XXXX XXXX XXXX had an account with them. Please verify this account with documents proving it belongs to me. XXXX shows this account was opened in XXXX of XXXX, I have been living at XXXX XXXX XXXX XXXX, PA since XXXX, so I know for a fact this is my son 's account. 

Please remove this account as it is unverified and not belonging to XXXX XXXX XXXX. 
XXXX has already explained to me that me and my son had combined profiles..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Mr. Cooper Group Inc.
State: MN
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:
I was on a Covid forbearance program with Mr Cooper Mortgage which ended XX/XX/2021. I was told that if still affected by Covid, my only option afterwards would be a loan modification. Also, that it would take 30 days and if approved I would not have to make a payment until a decision was made. I have applied for a loan modification on my other houses and have always been approved. I assumed it would be the case here but I was rejected on XX/XX/2021 and told they would be reporting me late for XXXX. Keep in mind, I applied in XXXX. The reason for the rejection was that the property is a rental not owner occupied. Thats one of the 1st questions they ask on a forbearance or modification application. Why would they string me out for that long? First of all, it took longer than 30 days and I was never told to make a payment in XXXX while I waited. 

This will negatively affect my credit and I am trying to avoid that. I just made XXXX payment in the amount of {$1100.00} in hope they will send a notice to the credit reporting bureaus or not report me negatively. I was told there is nothing they can do. I think this was a major misunderstanding ; I was not given the correct information and it just took too long to process my application

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: CA
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 don't have any financial obligation to these companies

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 2023-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I attempted to order a XXXX XXXX XXXX XXXX  online. My order processing failed. My bank statement showed three attempts with a " PROCESSING '' status to charge my account for XXXX from Intact Idea. My account balance decreased by XXXX as I observed in XXXX XXXX with concern, dropping from XXXX to XXXX. I contacted the vendor who informed me that none of my orders were successful. 

This morning when I checked my account balance, the XXXX processing charges had disappeared, but my account balance remained at XXXX. I called Bank of America for clarification and was informed by the assistant that XXXX attempts had been made and all " REVERSAL '' status transactions had been processed. No such records appear in my account history, and my cumulative account balances have been adjusted ( down ) from the previous day 's numbers preceding the processing transactions. 

I'm in the process of self auditing my bank statements to determine how much money is actually missing from my account along with my payroll stubs. At best, what's happened here is a terrible User Experience design in the web interface of Bank of America 's account management software. Right now, I'm currently under the impression that an unknown amount of money has been stolen from me, at minimum XXXX dollars.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All incorrect address and misspelled names on credit report is affecting my score and I want removed from XXXX  XXXX and experian

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 2015-04-23
Company: SQUARETWO FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls from " Fresh View Solutions '' about unspecified debt of an unspecified debtor over the course of several months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: NY
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 a fraudulent accounts on my credit report, which I reported to XXXX XXXX and XXXX XXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they refused to do this. The following is the fraudulent account : 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 2023-06-26
Company: Experian Information Solutions Inc.
State: NV
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 XXXX5 USC 1681.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2023-04-12
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This company is threatening to forward my information to someone I've never done business with in order to file suit. While typing this I have received another email correspondence with threats. I'm not sure how this company received my location information. Its seem someone else sold my personal information along with an alleged debt. The stress this company is causing me is becoming unbearable, I feel my character is being defamed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Global Lending Services LLC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Global Lending LLC has been fraudulently reporting my account as delinquent to major credit bureaus, disallowing me to be approved for a mortgage, to refinance my auto loan elsewhere, or to purchase another vehicle. 

I have not been delinquent in several months, and currently have a credit with them for overpayment toward my principle. 

I have emailed and called Global Lending and have yet to receive a response from them. I called them again today to have this fix this error, and they said they will " get back '' to me next week via telephone. 

Reporting incorrect information to the three major credit bureaus is illegal and fraudulent ; they appear to be doing this so that I unable to refinance elsewhere. 

Global Lending is also fraudulently applying my principal payments toward my interest balance, despite having zero finance charges left with them. 

Furthermore, upon reviewing my Principal and Interest statement provided by Global Lending, I have been fraudulently over charged our contracted and legally binding finance charge of {$9300.00}. 

My total contracted finance charge is {$9300.00}. I have paid {$9300.00} total in finance charges, as per the Principal and Interest Statement provided by Global Lending. 

They have currently overcharged me {$69.00} in finance charges and did not apply this amount to the principle, in direct violation of our contract. 

When I asked them about this today, they calculated the math incorrectly, stating that I have paid a total of {$9300.00} of finance charge, in direct opposition of their own accounting statement. 

They are fraudulently adhering to their Loan Amortization Schedule instead of the actual payment they have received and are fraudulently stating my pay off amount to reflect the Amortization schedule rather than the actual amount. 

I have attached my contract with Global Lending, the Loan Amortization Schedule, and the Principal and Interest Statement. 

My mortgage lender can provide you with the fraudulent delinquent reporting by Global Lending at your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is Trans Union and XXXX reporting this account type as open, while the account status being reported for all three consumer reporting agencies is closed? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
Trans Union and XXXX is reporting the date last active as XX/XX/XXXX and XXXX is reporting it as XX/XX/XXXX. Which date is it? 

Why isn't Trans Union or XXXX reporting any payment history? When was I reported late with Trans Union or XXXX? What was my monthly payment? When was my last payment received for this account? 

This account is completely 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 2022-09-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I live in a poor neighborhood, and Wells Fargo has abandoned my neighborhood. This is an act of XXXX XXXX XXXX XXXX 

My neighborhood branch of Wells Fargo XXXX XXXX XXXX XXXX ) has not been open for over a month. As of XX/XX/2022 the ATMs at my neighborhood branch are out of cash. I spoke to the following Wells Fargo reps on the telephone on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX None of these reps stated that the problem would be resolved. All three reps advised me to travel to another branch when I need to use an ATM.

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 2022-12-13
Company: Experian Information Solutions Inc.
State: NH
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX FL XXXX, MA XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MA 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 2021-09-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
sent a hippa validation letter never got a respond back. Sent letter back in XX/XX/2021

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 2019-07-22
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: Account information incorrect

Complaint:
For XXXX XXXX on my Transunion report of being late on a payment. The account was paid in XXXX  before the next billing cycle. XXXX XXXX charged me {$57.00} dollars for the monthly minimum payment, but the account had a XXXX  balance. 

This is affecting my ability to get loans/better interest rates.

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