BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged a {$35.00} overdraft fee on XX/XX/XXXX for a check charge in the amount of {$23.00} when my account never went negative and the balance ended at {$58.00} on this day. I contacted the bank and spoke with XXXX and the XXXX and was told it was because of a pending {$8.00} XXXX XXXX charge. Even if that were true it still does not bring the account to a negative balance. The refused to give me the phone number to corporate or speak with anyone else regarding this matter. I was charged a fee incorrectly and they have done nothing to resolve this matter. I have been a customer of BofA since XX/XX/XXXX and this makes no difference to them.

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 2020-08-26
Company: Experian Information Solutions Inc.
State: AZ
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 Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which XXXX XXXX has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! This is a direct violation Of the FCRA and the FDCP Act. 

This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 CUSHMAN v. XXXX XXXX XXXX. US Court of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C. No. 95-cv-01743 ). 

They refuse to correct information after being provided proof of inaccuracy. 

I've also attached a NOTARY verifying my identity and a bank statement verifying my identity and address.

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 2022-08-07
Company: American First Finance, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2022 I went to XXXX XXXX to simply look at furniture. I did not intend on purchasing anything that day, as I didnt have any money on me. They quickly mentioned that I didnt need a physical card in order to make the purchase. This led to me signing up for a rent to own agreement with American First Finance, since thats who XXXX XXXX uses. I dont know which company to blame in this situation. I got my furniture XX/XX/2022, since my move in date was XX/XX/2022. I made 3 payments before my payment was delivered. I was paying for furniture I didnt have for at least 15 days. The agreement had an early pay off option which I intended on using, except my pay off date was not accurate. First, I believe I shouldnt have paid anything until my furniture was delivered. Secondly, my furniture was delivered a day late even though it was ordered the week of XX/XX/2022. Thirdly, I believe my early pay off discount shouldve have been extended due to my first and second reasons. I called American First Finance, and the employee I spoke with slipped up and agreed that American Freight shouldnt have started payments weeks before I got my furniture. Clearly that conversation did not go far, because Im here writing a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-01
Company: JFQ Lending, LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
JFQ Lending sent me an unsolicited legal Notice of What You Need To Do regarding my current mortgage which is not with JFQ. Its false advertising maliciously designed to mislead consumers. Shameful. 

The JFQ letter also falsely claims that XXXX is the holder of my existing mortgage. That false statement is designed to get me XXXX and other recipients XXXX to call JFQ to ostensibly correct the error. Its not an error ; its a deliberate attempt by JFQ to get me to contact them... so they can solicit a sales commission under false pretenses. I hate to think about all the people they are fooling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2020-11-15
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I have been receiving unemployment from Texas XXXX XXXX through a reliacard account since XXXX. I haven't had any problems aside from one instance of unauthorized charges which was resolved without issue. A few weeks ago, I lost my card and requested a new one. I had this new card sent to my home address, where previously I had used my PO box . I got the card, but when I went to activate it, I ran into problems. The system kept telling me my info was incorrect. I called customer service and they informed me my account was locked because if the change of address, and they needed me to send in photos of my license, social security card, and proof of address to unlock my account. About 3 weeks ago, I faxed in all the requested documents. I waited 5 days and ... nothing. So I faxed again. 5 days later ... nothing. I called in and they claim they have not received any documents from me. Now i do a little research and find out this is suddenly a VERY common issue with them and ppl are reporting being given the run around and having their benefits kept from them for WEEKS. I can not do this. As it is now, 6 weeks of benefits have already built up in my account and I can't access them. Seems you guys are the key, so im trying to get a jump on things before I wind up on the street. I understand their position but they are IMPOSSIBLE to get through to & I desperately need access to my money. Its so frustrating to call in and hear you have a {$1200.00} balance and have the card but can not use it. Please help. I need 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 2019-04-18
Company: EQUIFAX, INC.
State: CA
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:
one XXXX XXXX XXXX account has been reporting under my name, this account is not mine, does not belong to me, i have tried to dispute this with all three major credit bureaus, XXXX and XXXX have removed this inaccuracy except equifax, they are giving me a very hard time, please have this inaccuracy removed from equifax, you are my last hope appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Dovenmuehle Mortgage, Inc.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I refinance with XXXX XXXX XX/XX/XXXX and at that time they put XX/XX/XXXX tax payment into escrow. I just refinanced again with same company XX/XX/XXXX and my attorney found that the taxes are deliquent because the City of XXXX did not receive the XX/XX/XXXX tax payment. I have phoned into Amerisave and servicer ( Dovenmuehle in Illinois ) 10+ times over the last 2 months trying to get this resolved and as of today the City still does not have the tax payment nor the interest payment. According to " XXXX '' at Dovenmuehle on XX/XX/XXXX at XXXX  she stated that they sent 2 checks to City ... .check # XXXX in the amount of {$1200.00} which was deducted from my escrow to pay the taxes and check # XXXX in the amount of {$290.00} was paid by them ( Dovenmuehle ) because it was there mistake ... this was for the interest charge. I physically went to the city tax office this past friday and they never received the checks. I phoned back into Dovenmuehle today and spoke with " XXXX XXXX '' and she opened a work ticket and said it would take another 3-5 days to research. I asked to speak with her supervisor whose name is " XXXX XXXX '' and she said he would call me back. Dovenmuehle phone # is XXXX. Loan # is XXXX I received a payment notification from servicer stating that my taxes in the amount of {$1200.00} were paid on XX/XX/XXXX however the city never received the money nor did they get the interest fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company has no contractual agreement with me. I have not heard of company and do not consent to their interference and disruptive practices. Company refuses to provided proper validation pursuant to law. Was forced to make payment in order to stop harassment, while seeking litigation. Company still harassing despite payment and request for validation. When verification was repeatedly requested the company sent a statement of account with no verified information pursuant to [ Section 609 ]. ( see uploads )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have hard inquiries on my report that I have no knowledge of authorizing : EXPERIAN : XXXX - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX - 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 non-monetary relief
Consumer complaint received 2022-01-05
Company: U.S. BANCORP
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I made a wire transfer through XX/XX/XXXX Employees Credit Union to US Bank in Minnesota. The exact address is XXXX Country HWY XXXX XXXX XXXX MN XXXX. I found out that the wire recipient was fraudulent as they copied my Title Companies letterhead and inputted their information. I called US Bank and reported it about XXXX hours after the transaction once I found out. I talked to XXXX of US Bank on XX/XX/XXXX about two hours after the transaction and advised him of the fraudulent transaction. He advised me to send an email to XXXX. I immediately sent the information I discussed with XXXX as well as a copy of my report to Federal Trade Commission. The next day I talked to XXXX from US Bank about the information I sent as well as my conversation with XXXX of US BANK. While we were talking I gave XXXX the account number of the transaction and he advised me he could see the transaction. I asked XXXX to Flag the Transaction as I asked XXXX the day previously. During all this I was also immediately in XXXX with XX/XX/XXXX Employee Credit Union. They were my first call to call back the transaction with US Bank.XX/XX/XXXX Employee Credit Union contacted me the next day that they were in contact with US BANK in reference to the request for recovery of funds. That request was on XX/XX/XXXX. US BANK did nothing in reference to the request until XX/XX/XXXX when they responded the funds were not recoverable. They never flagged the funds, and by XX/XX/XXXX the funds were gone. To my Knowledge from XX/XX/XXXX Employee Credit Union the account being used fraudulently is still active. The email that the scammer is XXXX. The fraudulent information is below that was copied onto my Title Companies letter head and spoofed on their site. 

Bank Name : US BANK Bank Address : XXXX XXXX HWY XXXX XXXX XXXX, MN XXXX Account Name : XXXX XXXX XXXX Routing Number # : XXXX Account Number : XXXX Beneficiary Address : XXXX XXXX XXXX XXXX, XXXX MN 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 2018-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a letter from XXXX XXXX XXXX, a debt collection law firm in XXXX, Virginia. They claim I still owe BANK OF AMERICA {$4400.00} for a debt that was charged-off 9 years ago. The statute of limitations for debt, in Virginia, is 6 years. this is the second letter I have received from this law firm, the last one was in XXXX. I am sure this is probably a scam being perpetrated by either Bank of America or XXXX XXXX XXXX. I want this matter resolved, because I do not owe this money. 
Also, if the debt were still active, it would show as a negative entry on my credit record. What is my legal recourse on this matter? Your help will be greatly appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX phone ( XXXX ) XXXX Monday-Friday after XXXX XXXX anytime Saturday and Sunday

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 2021-03-01
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company named Phoenix Financial Services have a medical debt in my XXXX  file as a collection and I know is not mine. Transunion removed it two days after my dispute in XXXX but XXXX sent me a letter today XX/XX/21 letting me know that the debt is mine which is not. I have medicare and usually everything covered is paid in advanced and if not I always asked before service because I do not have sometimes the money to pay out of pocket, in general I always pay in advanced if there is any out of pocket amount or I do not proceed with the service. This collection debt is causing a lot of damage in my credit report now. It is very stressful for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
IN XX/XX/2017 AMEX FRAUDULENTLY RAN MY CREDIT WITHOUT MY PERMISSION. I RECEIVED A LETTER FROM AMEX A FEW MONTHS LATER SAYING THEY WOULD SUPPRESS THE CREDIT INQUIRY, BUT THE INQUIRY STILL REMAINS ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from a company I've never heard of. First things first .... I HAVE NO DEBTS ... WHATSOEVER!!!! These people are frauds and scammers!!! This collection letter states that I owe {$3700.00} ... I don't owe anybody anything!!!! What a sad world we live in, when we have criminals sending us fake letters, to hand over money that doesn't belong to them. I must admit they are getting pretty bold and desperate in this pandemic time period!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a request in XX/XX/2021 to examine incorrect information on my credit profile. After 60 days, I have still not received an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this 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 explanation
Consumer complaint received 2018-03-06
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Spoke to XXXX at this dysfunctional collection agency on XX/XX/XXXX, per the conversation, she advised that the client transmitted this account on XX/XX/XXXX. This merchant ( XXXX ) was paid in full on XX/XX/XXXX in full for the amount of {$62.00}, the account reflects a XXXX balance according to the merchant website dated XX/XX/XXXX. The phone call with the agency was not really reassuring that they were going to rectify the situation, in fact, it is very shady as far as the business practices of the Sunrise Credit Services.

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 2021-03-01
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've sent a payment check to the company back at XXXX and they cleared it only this week, reporting late 120 on my credit report, closing my XXXX XXXX XXXXnd causing my damages to my credit and losing my mortgage!

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 2018-03-06
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I went into California Check Cashing located at XXXX XXXX XXXX XXXX in XXXX XXXX, CA on or about XX/XX/XXXX to get a quote for filing my XX/XX/XXXX income taxes, as they have filed them in the past. I was unsatisfied with the quote, mainly because I was told to sit down and without a question of deductions and/or questions about taxes ( earned income ), the clerk called me up and wrote a quote on a post it note to inform me of the amount that I should expect to receive. At that time, I asked the clerk how could she estimate my taxes without asking for any information, then I asked for another employer to complete the transaction. The clerk telephoned XXXX, the store Manager and then I was told to come back the next morning to have my taxes finalized. I expressed that I did not wish to have my taxes filed at that time. On XX/XX/XXXX I went into XXXX XXXX to get another quote for my taxes and was told at that time that I could not file because my taxes were already filed. I immediately went to CA Check Cashing and was told indeed that my taxes had been filed. XXXX, the XXXX was in the office and offered to Amend the taxes that were fraudulently filed. I am very upset because I am out of the opportunity to see if the tax preparer had filed for earned income tax credit and other deductions ( student loan interest ). I am still unaware of the amount of fees charged by them. Please help me to receive the proper justice for this horrible oversight.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I feel taken advantage of since my disputes are being ignored! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this 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 non-monetary relief
Consumer complaint received 2018-07-07
Company: Risecredit, LLC
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:
Rise Credit obtained unauthorized copy of my credit report and hit my credit report with hard inquiry which affected my credit score tremendously.

Company response to consumer: Closed with explanation