BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Sent by certified mail on XXXX a dispute request to XXXX regarding some information that is being erroneously reported on my Bureau. I have requested several times that i be supplied with specific Method of Verification information as it relates to public records in my file. On XXXX i received an email stating that my disputes were pending outcome. On XXXX, i received an email from XXXX  saying there review was complete and that the information on the report was verified with the court and updated. I supplied XXXX with a letter from the Federal Bankruptcy Court for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. '' With their investigation, they did not supply me with specific information as i requested. Name of person spoken with, telephone number of said person, address, date of conversation. Nothing at all. I called Experian on XXXX to inquire about the investigation and spoke to a gentleman name XXXX from XXXX XXXX. He informed me that they could not send me the specific information regarding the method of verification and that a third party vendor that they use to gather the information does it in an automated fashion. That does not conform to the FCRA guidelines. He further stated i could not get any information as it pertains to that. I was told that i would get a call back from a supervisor so that he could explain to me why i was not going to get the information that i was requesting. Report number is 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 2017-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I maintain a Regular Checking account with Bank of America, N.A. Bank of America recently announced that as of X/XX/17, all non-Bank of America customers cashing my personal check at a Bank of America location will incur an {$8.00} fee for each check over {$50.00}. Arguably unlawful, this practice is blatantly discriminatory towards those without the means, ability, or standing to maintain a bank account of their own ( e.g. the poor, illiterate, or undocumented ). It makes a mockery of the simple, time honored concept of a personal check. To wit, my personal check is my exact written order for the bank to pay the specified amount to the payee on demand upon verification of their identity and availability of funds. It is a service the bank agreed to provide to me in exchange for my maintaining a balance. The payee is not a part of that service agreement. Rather, the payee is being forced to pay a fee to obtain that which is rightfully theirs. In short, the bank is committing larceny while calling it a transaction. <P/>I have communicated my views on this proposed action to Bank of America but I am but one voice. I ask the CFPB to take action. Please do not allow this practice to stand. It is an avaricious, cynical corporate reach for dollars off the backs of those who can ill afford to part with it.

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 2017-09-28
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
After having an overdraft account to fund any pending overdraft charges, Huntington Bank has repeatedly charged my account such fees. I have spoken several times with a bank representative, " XXXX XXXX '' at the XXXX location. His direct number is XXXX. 
XXXX XXXX told me that he will speak to his bank Manager to get the funds back into my account, however, it has been three weeks. 
My account has been damaged due to these unauthorized charges. 
Any assistance to resolve this matter would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-24
Company: Sunlight Financial LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Complaint concerning Sunlight Financial XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Since XX/XX/XXXX, I have reached out to the company 's billing and contract management team regarding my Solar loan account. The amount of my contract has stay the same and I have been making timely payment of XXXX for 17 months {$1300.00} which {$1300.00} has gone to interest and approximately {$44.00} to principle. The contract under paragraph Interest, promise to pay, was for an annual rate of 4.99 % for twenty years. I have timed unsuccessfully to reach out to the company and request what paragraph states that I would have to pay interest first. 
The billing department can't explain the principle amount and why 99 % is going to interest which only started in XXXX. I need to understand why I am paying all financing charges up front and where in the contract that I agreed to this. Your assistance is appreciated.

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 2022-04-28
Company: GOLDMAN SACHS BANK USA
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have raised a dispute over a {$400.00} refund I was supposed to receive, but have not. 

Multiple times so far, the dispute had been denied and it had turned out they werent even looking at any documentation I provided. Each time the dispute is denied, I have since sent over very detailed documents describing the exact situation and why I am expecting a refund. 

They have now denied my dispute again because the merchant has already sent over a credit because I already received {$400.00} from the merchant around the same time of the dispute. However, as my documents show, I am expecting 2 separate refunds for {$400.00} each and I clearly only have one refund in my account.

This dispute has been going on for over 6 months and I have not been able to speak to anyone at the bank who actually was a part of this particular dispute investigation- forcing me to re-explain everything from the beginning each time I contact in, and provide the same documents over and over again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-06
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone called my home telephone, using faked caller ID information " XXXX XXXX- '' and number " XXXX '' at XXXX XXXX. EDT on XXXX XXXX XXXX. They left a message identifying themselves as a " debt collector '' named " Stoneleigh Recovery Associates '' and requesting that I call XXXX. ( The first word of the name was unintelligible but I did a XXXX search for " XXXX '' and the results indicated a vast number of complaints about a scammer called " Stoneleigh Recovery Associates ''. The scammer is apparently trying to get credit card numbers. It is an obvious scam because the faked the caller ID information, in violation of Federal law, and also I have no debts, and so certainly do n't have any bad debts. There also has never been any written notification of any debt, much less any written notification of any past due debt. Since I have no business relationship with this party and it obviously is not a legitimate debt collection call, this call is in violation of the Revised Telemarketing Sales Rule, since my phone number is on the DoNotCall list. I have attached to this complaint a copy of the scammer 's recorded message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had made a sale on XXXX and the payment was processing!! The gentlemen that I had spoke to had stated I could ship the item to the buyer, as soon as the item was delivered the payment was canceled!! And now Im out a sum of XXXX I had made 6 calls to PayPal to get my money back and they keep giving me the run around and keep telling me every time that it will take 24-48 hours to complete!! Nothing in being done!! I want my {$96.00} back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-28
Company: Diversified Consultants, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed a couple times, this is an unknown account listed on my credit file. Requested validation and nothing has been received. Inaccurate information against me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Financial Adjustment Bureau, Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Talked to supervisor of Financial Adjustment Bureau on XX/XX/20. He threatened a lawsuit with wage garnishment if debts were not paid within 20 days. When I asked for proof of debt, he claimed that he had already done that and that he would not do it again. I told him that I have no idea what these debts are and I would like to validate them, he said no. He stated that we ( my husband and I ) must get a loan to pay {$1400.00} in 20 days or his attorney will sue for the amount owed and they will garnish wages. There is no way that I can dispute the debt because I never received notice of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i got involved in the corona relief plan offered by Wells Fargo on XX/XX/XXXX. It was to be 90 days, no negative reporting and it ended XXXX XX/XX/XXXX. I made my 3 payments and was offered a one a month defferal. I made 4 more payments and realized they never did the defferal and filed an executive office complaint. I had 5 representatives over a 6 month period with excuses and explanations and when pressed the they deffer 5 months which put my account way ahead and will cost a lot of extra interest in future so i requested it be repaired. They stopped reporting my credit in XX/XX/XXXX to cover their errors while they created dozens of adjustments and made a mockery of my payment history. I finally got a representative in XXXX that got account put back together and have made 6 more payments since. The main issue now is they are not reporting to credit bureaus, improper crediting of payments to principle from their adjustments and they even deleted the tradelines on all bureaus making my credit score drop 100 points. I have asked, complained and threatened legal action and they say its not the law. They want me to agree to a statement that they can report everything? The only thing that should be reported is forebearance XXXX and the 12 payments and deferal done since XX/XX/XXXX. The dozens of adjustments made and mistakes made by Wells Fargo is not my doing. I was offered defferal, did not ask for it. I did not ask for a year of issues when i signed up XX/XX/XXXX they are trying to cover their errors with my credit reporting and also making it impossible to refinance or obtain other loans. I have been injured by this greedy and corrupt bank and want compensation, redemption and my XXXX score back. They should at a minimum be reporting payments made, balance and current status since XX/XX/XXXX when they finally put this together on all 3 major credit bureaus. I have dozens of documents and bank statements from my other bank if you need documentation. My account at Wells Fargo changed daily between XXXX and XX/XX/XXXX from 4 months ahead to 1 month behind, payments held in holding account and all types of adjustments they made to cover themselves and they want to report that? Factual information is that Wells Fargo is corrupt, incompetent and devious.

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 2017-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
In XXXX of XXXX I received a new credit card from Bank of America with an offer of a balance transfer for 0 % transaction fees and 0 % interest for 15 months. On XXXX XXXX I called and talked to a XXXX XXXX # XXXX and ask her if they would do a direct deposit into my account for the 0 % fee and 0 % apr. She then spoke to her manager XXXX XXXX and he approved this transaction. XXXX XXXX XXXX On XXXX.XXXXth when the billing statement came out I had been charged a transaction fee plus XXXX % interest. I called XXXX XXXX back multiple times and left messages, he never returned my calls. 

On XXXX. XXXX,XXXX I called and spoke to a XXXX who transfered me to her manager XXXX XXXX. XXXX He said per the notes on the account he would correct the problem and it would reflect on the XXXX billing statement. 

XXXX.XXXX,XXXX Billing statement did not show any change. 

XXXX.XXXX,XXXX Talked to a XXXX XXXX form XXXX , Pa.. XXXX spoke with her manager XXXX XXXX XXXX who said she would correct the problem within 7-10 business days and call me back. I did not hear from her and she has not returned any phone calls and my last message was that if I did not hear from her I was going to seek help from the Consumer Protection Bureau.
As of XXXX.XXXX,XXXX I have not heard from her and am seeking help from you. 

Thank you for your help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-13
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: Account information incorrect

Complaint:
I recently viewed my credit reports and noticed some inquiries that I didnt authorize. I have sent in multiple dispute letters to the credit bureaus, to resolve this issue. But the issue still hasnt been resolved.which is a violation of the FCRA section 604 since there are inquiries that I didnt authorize.

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 2017-09-28
Company: Weinberg Mediation Group LLC
State: FL
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:
on X/XX/17 at approximately XXXX XXXX, I received a call from XXXX ( from XXXX, AZ ). I did n't answer it and a message was left. The message said " This is a final courtesy call from the Weinberg Mediation Group before reporting that you have been uncooperative in the investigation against you I 'm extending you one last chance to contact our office if we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the parties involved our office number is XXXX when calling please have your file number ready. Thank you. '' I do n't owe any money aside from my credit cards and car lease, which I pay. This man who left the message sounded ominous and scary. He had a threatening tone and I do n't even know what he 's talking about. About 10 minutes prior to the call and the message being left, I received another call from XXXX ( North Dakota ). I 'm assuming both of those calls came from this " Weinberg Group. '' I did n't answer that one either and in that call, a message was not left. I blocked both those numbers and am filing this complaint, but I have a feeling they have plenty more numbers which they can call and harass me from. If they have the information they say they have, they can send me the information through the mail with actual information on it. They are not entitled to a fishing expedition and extortion tactics.

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 2017-09-27
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several dispute letters to both XXXX XXXX XXXX XXXX XXXX, and the 3 credit bureaus about 4 medical collection accounts contained on my reports. XXXX and XXXX  deleted the account after the first dispute. However, XXXX  continues to report the accounts. I have sent several letters to the address contained on the XXXX reports, and have received no response. I finally sent a certified letter and it was returned as undeliverable. I also tried calling the number listed on the report but to date it is disconnected. Despite having informed XXXX by letter and phone calls about the problem with the address and phone number, the accounts remain on my report and I have no way to have the information validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed belong to a family member but I myself never resided at the following addresses : XXXX XXXX XXXX  XXXX XXXX XXXX OH, XXXX, XXXX  XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX OH, XXXX, XXXX XXXX  XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX. 
I found incorrect spellings of my name on my credit file. My name is spelled XXXX XXXX XXXX please remove any other spelling or variations of my name they are not correct.

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 2020-12-17
Company: Experian Information Solutions Inc.
State: CT
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:
it's been 90 days since my first request and this company keep reporting inaccurate information in 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 2020-08-01
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Two were sold on XXXX  and the transactions were paid for on PayPal. Item number XXXX was paid on XX/XX/XXXX in the amount of {$140.00}. The second item number is XXXX was paid on XX/XX/XXXX in the amount of {$100.00}. The total amount that was paid to PayPal was {$240.00}. Paypal is refusing to make payment on the items that i sold on XXXX, but was more than happy to accept the shipping fees that I paid them to ship the items sold to the purchasers. 

Trying to rectify this situation ihas been a complete nightmare. Despite numerous attempts, I have NEVER been able to speak with an actual representative, just a computer generated dolt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: V and H Portfolio
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a Debt verification letter from Vance & Huffman with account balance {$490.00} from XXXX XXXX as the original creditor. They attached a letter from XXXX XXXX with higher amount. 
Due to discrepancies and inaccurate information on amount due from both side XXXX Vance & Huffman and XXXX XXXX ) I called Vance $ Huffman and request that the information need to be removed from my credit reports asap but the agent said it can't be done.

Company response to consumer: Closed with explanation