BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I was scammed on XXXX. 
I put up a dog kennel on XXXX for {$250.00}. A scammer answered the ad and told me that he would give me {$300.00}, but he would have to wait a couple of days for the payment. A cashier 's check for {$1900.00} was sent to me, with instruction to deposit it, and send back via XXXX. I sent {$1600.00} via XXXX to him. This started on XX/XX/XXXX, and the check was deposited on XX/XX/XXXX. On XX/XX/XXXX, the bank notified me that the check is no good. I do have the kennel, but is out the difference. 

I reported this story with the XXXX 's policeman and Bank of America XXXX Fraud department ) on XX/XX/XXXX. On XX/XX/XXXX, the bank notified me via letter that the bank can't help me to get money back from scammer. The bank recommends me to contact the scammer directly to send back my money.

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 2017-09-13
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I, as far as I can tell, was a part of the Equifax credit information hack. Now, due to mishandling of my information by the credit reporting agencies, I must pay the credit reporting agencies to freeze my credit. This has many issues : First, due to current demand it is difficult/impossible to get through to be able to do this. Second, it is unconscionable that some of these companies are taking advantage of the situation and attempting to trick users into signing up for paid credit protection services when the user attempts to freeze their credit. Finally, it is ridiculous that I must pay these companies to protect my information that I never consented to them collecting in the first place. Paying Equifax to freeze my credit is simply rewarding them for their careless handling of my information. Protections such as credit freeze should be federally free to perform, otherwise it seems to amount to racketeering ( " That 's sure a nice identity you got there ... sure would be a shame if something happened to it. '' )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
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:
Ally Bank Has Criminally Financially EXPLOITED me Via a non consensual Fraudulent Automobile Loan Wherefore they forced ( 2 ) Two Test drive vehicles they forged in the Financial Invoice as a LEGAL Transaction. I have one test drive vehicle to DATE since the Fraudulent Sleazy Con Artist Job in Conjunction with Ideal XXXX XXXX XXXX On XXXX XXXX XXXX MD. I traded in my beautiful mint condition XXXX XXXX XXXX XXXX, requested a XXXX XXXX XXXX XXXX trade in. XXXX Was obliterated from my Customer Request & launched out with a XXXX XXXX XXXX I NEVER bought or agreed to concur to the purchase of. I clearly stated with the flyer ad from the ideal XXXX XXXX XXXX that the {$7000.00} Off any vehicle there I wanted ONLY the XXXX XXXX XXXX XXXX  With my {$7000.00} discount flyer. The dealership & Ally Bank Have, to DATE, financially EXPLOITED me with a cheap XXXX XXXX XXXX, worth {$7000.00} & I Was Wrongfully Financially Exploited For ( 2 ) Two Test drive vehicles. The XXXX XXXX XXXX XXXX the Dealer Told Me to test drive while they tried to call find a XXXX XXXX XXXX XXXX For me XXXX 2013. I Was financed Fraudulently by Ally Bank for a XXXX XXXX XXXX " Recall '' & the XXXX XXXX XXXX I NEVER requested to purchase. Ally Bank owes me for financing 2 test drive vehicle models I Was ONLY Test driving as they Demanded I Try the XXXX XXXX XXXX while they looked for the XXXX XXXX XXXX I requested to distract me Obviously, knowingly. They kept my mint condition XXXX XXXX XXXX & did n't get Credit for it on Wrongful Fraudulent transaction 4 financial Fraudulent invoices I 'm paying on with Fraudulent Ally Bank. I DEMAND a 100 % full refund of Fraudulent Auto Loan For 2 years I 've paid for & my value of my XXXX XXXX XXXX XXXX from Ally Bank ASAP.

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 2022-08-26
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Experian Information Solutions Inc.
State: VA
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:
AFTER REVIEWING A COPY OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT WERE PLACED ON MY REPORT. PLEASE RE-INVESTIGATE THOSE DEROGATORY MARK AND HAVE THEM REMOVE OFF MY 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 non-monetary relief
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX  and Transunion are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-11-11
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2019, my savings account was froze due to deposits and the bank wanted to know why I'm withdrawing my own funds from my account. The bank spoke to my relative about the deposit and she confirmed however the bank have yet to release my funds that are in the account. It's about to be 7 months and this bank have not informed me that they will close the account and mail me a check for my remaining funds.

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 2017-07-29
Company: Idaho Housing And Finance Association
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I am not sure who I would contact in regards to checking the legalities of my Foreclosure in Idaho. I was Foreclosed XX/XX/XXXX/XX/XX/XXXX. My loan was originally through a different lender in XX/XX/XXXX. Then somehow it was switched over to Idaho Housing and Finance in XX/XX/XXXX without my knowledge. In XX/XX/XXXX I was able to modify my loan through the E-Help program. Although it took my percentage rate up to 5 %. In XX/XX/XXXX/XX/XX/XXXX I got behind on my Mortgage due to personal reasons. XXXX for 16 weeks and the XXXX of my mother which I needed to take FMLA to care for her prior to her XXXX. I attempted to modify my loan through Idaho Housing and Finance and they would not approve me to do so. They stated that since I am a XXXX that traveled at the time, I was considered a XXXX. I never received XXXX so I do not understand this thinking. If the government does not consider me a XXXX XXXX how can the lender state that I am a XXXX XXXX? I at one point met with the counselors and had all of the money to pay except for one month. I advised the counselor I would be able to catch up the following month with the full payment. He stated he would not Modify the loan still as I was considered a XXXX XXXX as long as I was a XXXX that traveled. There are a XXXX XXXX that travel for their work and I do not understand why I was singled out and not able to modify my loan. The counselor I worked with kept telling me that he was following the FHA rules. I called an FHA counselor and he stated it made no sense and he would have refinanced me with out an issue but my loan did not show up in their system. So obviously something was not right. I have no idea who to call to find out if this was a legal transaction government wise. Please direct me if you can. The loan number was XXXX through Idaho Housing and Finance in XXXX Idaho.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX, 2017 Equifax Information Services. LLC, XXXX. XXXX XXXX, XXXX, GA XXXX XXXX : Please be advised that as a result of my continual efforts to get my credit bureau file corrected, the following issues have not been adjusted : 1 ) XXXX XXXX is still showing a balance on my account. I have attached my communications with XXXX XXXX ( see attachments ) since my last dispute, however XXXX is the only party not removing their account from my credit file. Based on my opinion this appears to be a form of EXTORTION. I had someone dumped into my credit file and XXXX rectified that issue, except for the charge offs. I have gotten all the charge offs removed except XXXX. Please note that only my name can be used to apply information to my credit file and I recently had a fraud alert placed on the account. This issue has created a hardship for me in many ways, including much higher premiums that are not justified! If necessary I have the original envelope and letter that can be scanned and forwarded electronically, that backs up my claim. Please let me know if this is required. 2 ) There are closed accounts still showing from years ago. 3 ) Recently, I used {$500.00} to {$600.00} in credit card usage, well within my credit limit, and suffered a 30 point credit score loss. It was paid within the allowable timeframe and has not been readjusted to the original credit score. Is someone trying to extort something? Please review my issues above and correct my credit file and credit score to more accurately reflect my payment history and credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Experian Information Solutions Inc.
State: MA
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:
Inquiries are not mine. Thank You!

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 2022-01-16
Company: WELLS FARGO & COMPANY
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Fraudulent Wells Fargo Account - Reported but still receiving statements On XXXX XXXX I received a notice in the mail for a Wells Fargo checking account, and I immediately called and reported it. They had all of my personal information but were using my maiden name, and my first name is spelled incorrectly. When calling I was able to gain access to this information by confirming last four of my social security number. I have never had any of their products. They couldnt tell me anything about the account but said they would close it and send me documents regarding the fraudulent account via U.SXXXX mail. I immediately locked my credit. 

Today, I received a monthly statement dated XX/XX/2022 showing the full account and balance information. It also details what account options I am currently opted into. I have not received any other mailings from them. I called the XXXX and the account is still open and there are debit card transactions of {$0.00} as recently as XXXX. The CSR could not tell me anything but just transferred me to a dead line.

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 2019-04-30
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 I found out that I have a negative report on my credit history from a collection agency called XXXX XXXX for unpaid bill from XXXX XXXX XXXX. I contacted debt collector service, and told that I am still waiting to receive the final bill from XXXX. The representative told me that she is not with XXXX, she is a debt collector and the call is recorded for the purpose of collecting a debt on behalf of XXXX. I asked for the amount, she told me XXXX $ and I responded with : I dont know anything about the this bill, and why they reported that to my credit history without sending me any debt collection letters. I did not even had the chance to verify the debt. I was told that I can call XXXX and find out about the bill but right now, if I want my credit history cleared I should pay the balance in full. I asked if they will remove their negative report of my credit history. She replied Yes and promised '' We will update your credit history within 10 business days '' I paid off the balance immediately and now the debt collector refuses to remove their negative report. My complain is based on the fact that the debt collector used false and deceptive language which made me to falsely accept the debt in exchange for repairing my credit history. I called them several times, I spoke with their manager and still no resolution was achieved. I am asking for your assistance with this case, especially when we are ready to finally purchased our first house. This has a destructive effect on my credit history. Thank You. XXXX XXXX XXXX. P.O. Box XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Inquiries are not mine. Thank You!

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 2022-01-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Good evening my name is XXXX XXXX, XXXX for short. Myself and my lawyer had a dispute against the Toyota XXXX XXXX because they conducted business in an unsavory fashion. Not providing correct documentation. So my lawyer reached out to the XXXX dealership as a courtesy to them and they refused. So my lawyer tried again and they agreed in a legally binding contract to pay the vehicle the XXXX XXXX XXXX payments off in full! Im which I receive a settlement of {$10000.00} and a letter exonerating me of all payments for the XXXX. Later my lawyer and I found out that Toyota Motor Credit still had a balance of {$23000.00} on my credit report. Again the lied and failed to uphold the agreement of the legal contract! Ive have uploaded prof of the documentation to the dispute center. I would like for this to be removed from all three Credit Reports because it is damaging my credit with a negative impact on my credit score and has been and it is not allowing me to acquire certain attributes as a home for my family and I. Ive served in the military for over 15 years now and Ive never experienced such blatant disrespect for a service member. I can only imagine how they conduct business with a civilian! 


Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
in XXXX of XXXX I disputed inaccurate information being reported on my credit report bXXXX XXXX XXXX I demanded for them to delete it they now owe me multiple violations for {$1000.00} each ...... It is now XXXX of XXXX They still can not prove the alleged payment in XXXX of XXXX I have documented proof on their letterhead stating they never received a payment in XXXX yet it shows that inaccuracy on my credit report

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 2022-01-16
Company: Experian Information Solutions Inc.
State: PA
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:
in XXXX of XXXX I disputed inaccurate information being reported on my credit report by XXXX XXXXk I demanded for them to delete it they now owe me multiple violations for {$1000.00} each ...... It is now XXXX of XXXX They still can not prove the alleged payment in XXXX of XXXX I have documented proof on their letterhead stating they never received a payment in XXXX yet it shows that inaccuracy on my credit report

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 2022-01-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
In XX/XX/XXXX my Bank of America XXXX card was hacked and XXXX was transferred to someone elses account. This has happened before and after 4 different times for much lower amounts. Each time I got a new card. Reset passwords and security questions and BOFA returned lost money but the claim for XXXX was denied by BOFA and no reason was given. I was told by a claims rep that they had changed systems and submitted a new claim that was denied because the first claim was denied. BOFA submitted a claim denial review on 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 monetary relief
Consumer complaint received 2019-05-21
Company: Zenith Financial Network Inc
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
VFN  and associates has been calling my place of employment regarding my debt I work at a funeral home which is not appropriate they have called multiple times in a row sometimes 2x in less than 5 minutes. I am working with the debt consolidation company beyond and they need to be called. This happened just today XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Experian Information Solutions Inc.
State: AR
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:
I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.

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 2018-03-16
Company: JPMORGAN CHASE & CO.
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:
SOMEONE tried to open a credit card at XXXX  XXXX, a store I havent been in to in over 10 YEARS, on TWO different occasions!! THIS IS NOT ME!!! Im getting two hard inquiries on my credit report from this store!! One on XX/XX/XXXX and the other on XX/XX/XXXX - THIS IS FRAUD!! I also DID NOT make any kind of inquiry with XXXX XXXX on XX/XX/XXXX OR with CHASE on XX/XX/XXXX!! This is absolutely insane. PLEASE HELP ME!!! These need to be removed AS SOON AS POSSOBLE!!

Company response to consumer: Closed with non-monetary relief