BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Up until 2013 I was a customer of Bank of America. I had perfect standing accounts at all banks and financial institutions and a great credit score. Sometime later in 2013 I had deposited a check from my  partner from a different bank to my personal account at Bank of America. I had no idea that the check would bounce but it did weeks after the deposit. I had used the funds and was unaware of the account status until returning from my trip. When I was back in town and made aware of the issue, my account was already closed ( charged off ) and I was reported to all credit agencies and put on XXXX XXXX. I made the account current but the bank made it clear that the reporting decision was out of their hands and did not give me any direction on how to dispute the situation. Not only was I reported to XXXX XXXX but I was also reported to all financial institutions and credit agencies as a person who has committed " fraudulent activity. '' I was wrongfully reported to the agencies as a fraudulent customer and this has not only defamed my character at a life destructive level for me, but it has specifically caused me major financial loss in every category of my life ( business and personal ) and has led to my current situation of being supported by the government for the very first time in my life. I was a successful, young entrepreneur and professional before this incident and I am now suffering from major mental issues and emotional distress caused by the unlawful decision/action by Bank of America. 

I have tried resolving this matter directly with Bank of America from the very beginning with multiple attempts at a settlement and resolution but each time was involved in a process that took 6 months or longer to receive a general rejection at the end with no legitimate explanation. 
The case number I was assigned for the claim by BofA was : XXXX This situation has not only banned me from opening a bank account/financial account anywhere in the country since the incident, but has also led to the closing of my businesses ( due to my inability to have any financial account ), loss of business partners and trust with individuals who were made aware of this situation since I had no control of the information, decreased my personal credibility and professional credibility and credit scores across the board, and has ultimately led to my inability to continue my lifestyle and professional life. I have lost everything I have worked so hard for since I was a child.

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 2017-07-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/2017 and are proceeding to sale set for XX/XX/2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 )  and the client 's right to counsel. We were advised the response to our requests would be provided on X/XX/2017 - this does not allow us to complete our audit of the response to assist our client. An Arbitration complaint has been filed against the foreclosure action and a Lis Pendens will be recorded referencing the same. We request a postponement of the sale date to allow us the time we need to assist our client.

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 2018-01-04
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft.  A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted to TD Bank with his information that resulted in an inquiry XX/XX/XXXX that he did not authorize. An official dispute was set to TD Bank XX/XX/XXXX however a current credit still shows this fraudulent inquiry is still listed which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04
Company: EQUIFAX, INC.
State: IL
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 have disputed a inaccurate information pertaining to a chapter XXXX bankruptcy that is showing on my Equifax Credit report on more than one occasion. Each time Equifax "investigates" the inaccurate information they respond back and say that the information has been verified through the 3rd party company "XXXX XXXX". There is a chapter XXXX bankruptcy with case XXXX  showing on my credit report with a filing date of XX/XX/XXXX. I have contacted XXXX XXXX as well as the IL Fed Bk Ct and they show no records of a bankruptcy being filed by me with case # XXXX on XX/XX/XXXX. But yet Equifax insist that the information is correct and has been verified. Further more XXXX XXXX states that they have never verified this information to Equifax nor any other credit bureau as this information does not exist. I have contacted Equifax on several occasions to have this inaccurate and unverified information removed from my credit report as required under the FCRA since the information is not accurate and can not be verified as accurate. Equifax continuously violates my rights under the FCRA and and deliberately lies in their responses to myself and the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Case number : XXXX Sirs, XXXX XXXX has refused to properly transfer the account from me to my wife, even though the divorce ( now final ) specifically states that she is solely responsible for that account. 

What can your office do to have XXXX XXXX clear up this problem. Please do not tell me that I may need to take legal action, as being on social security, that is not an option. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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 had my credit report pulled today. I realized its still fraudulent accounts on my report. Ive sent in multiple dispute letters and ftc reports. It seems I must make a report to XXXX Attorney General office and FCRA or someone. Maybe I may need to reach out to the news. Please see attached Notarized FTC report and Identification. 

Following Accounts XXXX XXXX {$1600.00} XXXX XXXX  XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Department stores {$310.00} XXXX XXXX {$1000.00}

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 2021-12-23
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
my account has a hold on it i want it off or i want access to my funds if a check is being mail i want the tracking number with the check also

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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-09-27
Company: BANCO POPULAR DE PUERTO RICO
State: TN
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: Card was charged for something you did not purchase with the card

Complaint:
There were multiple charges for gas stations in Florida on XX/XX/XXXX-XX/XX/11of 2019 ( probably 8-10 each XXXX to XXXX dollars ). I talked to someone on XX/XX/XXXX from the CC and was told I was not responsible for the charges and to destroy my card and was issued a new one. After a few day passed, more charges were let through. I called again and and spoke and was told that I would have to sign something and mail it back then they would investigate the charge. 

Everytime you call the #, which is the only way to contact them, you will be waiting a minimum 45 minutes. Very inconvenient with a full time job. 

I have also been charged finance charges on the fraudulent activity. 

I just wish to close my account as soon as possible, but a separate issue about a medical facility taking months to issue my refund and they apparently refuse to issue or can't cause my CC # changed has me sort of tied to my CC if I don't want to lose XXXX dollars. I tried faxing a dispute and talking to a CC rep about this and I get no where. Refuse to 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 2019-09-27
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I sent the debt validation letter to the Alliance Collection Agencies , XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, WI XXXX along with the certified and return receipts regarding the account # XXXX, and balance {$350.00} as of XX/XX/2019.  Not only that they failed to proof that it owns or has been assigned the debt by the original creditor or verification that I owe the debt and the amount of the debt within 30 days, they either sold or transferred the account to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX on XX/XX/2019. They also assigned new account # XXXX. This is a violation of the collection practices act for a debt collector to refuse to send a validation notice and failed to respond to my verification letter. Also, this is debt collector malpractice to either sold or transferred the account to a new collection agency since the debt hasn't been adequately validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Do to these false accounts, I have no chance of acquiring new credit. Please conduct a re- investigation into this matter and have those derogatory accounts removed off my credit file.

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 2021-01-23
Company: EQUIFAX, INC.
State: AL
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 filed multiple disputes with Equifax, XXXX  and XXXX  regarding accounts that were opened without my knowledge that I do not recognize. These accounts continue to show on my report after over a year of sending police reports and filing ID theft reports. These accounts have various dates. 
Equifax has refused to remove all of the accounts listed in this complaint even after I have filed 3 identity theft packets. Sent them police reports and contacted them on several occasions. 
All of the companies in this complaint have been sent notices from me as well as identity theft reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: STERLING JEWELERS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX XXXX  and XXXX credit report reveals that a fraudulent application was submitted TO Sterling Jewelers with his information that resulted in an inquiry XX/XX/XXXX that he did not authorize. An official dispute of this fraudulent inquiry was submitted to Sterling XX/XX/XXXX however a current credit report still shows the fraudulent data is still being reported which is a violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Keep saying i dont live at property called HUD XXXX said have to be there majority of time so i only travel out 2 days and go back home 5 days, my mother says with me and only alone 2 days all my furniture, appliacnes etc there so why is denying?! Sent dispute and faxed and no response like always and already talked to HUD and i qualify! Listed house since i have equity so selling now per there letter! says wont foreclose but bank lies!

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 2020-11-30
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: Personal information incorrect

Complaint:
My personal information is incorrect with XXXX, XXXX, and Experian. They all have inaccurate personal information on my credit report, such as name, account number & address and telephone numbers

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 2019-05-18
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Simple by BBVA is removing Bill Pay. As an online only bank this will cause great stress on customers to be able to pay bills electronically initiated by the bank. Many if not most banks have a bill pay service, it allows their customers to make payments to many billers from a single location. 

Simple has had this Bill Pay service for a long time and removing it will leave many unable to pay their billers who may charge for initiating it from the biller side or they require a physically mailed check. Now Simple has started allowing checks to be written against the account, which was not possible before, but this will add burden and confusion to customers who have not done this prior. 

Simple Bill Pay system is unique in the sense that once the transaction posts to the account a customer can add notes for tracking, spending from a goal/expense or categorize. All these things are built around Simples integrated website and budgeting tools. Removing Bill Pay creates a gap where customers can no longer see all in one place all the funds that will be leaving. Instead now it would be up to each biller when to pull the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I took out a private student loan several years ago with XXXX XXXX XXXX for a little over $ 3K. I filed a chapter XXXX bankruptcy in XX/XX/XXXX ( estimated ). I was informed at that time to stop making payments on all accounts. I was only allowed to make payments via my trustee. XXXX XXXX XXXX was included in my bankruptcy. Sometime in XX/XX/XXXX - XXXX - sold/transferred my loan to Transworld Systems. I received NO communication on this. So when I converted my Ch XXXX to a Ch XXXX in XX/XX/XXXX - I didn't know that this had occurred until I received a notification from a XXXX XXXX XXXX about the student loan being in collections. I was NEVER given the opportunity to work out a payment plan with XXXX and they have put this information on my credit report as a collection account. I have been making $ XXXX monthly payments via XXXX XXXX XXXX, who doesn't report to the credit bureaus, however Transworld is reporting my account as a collection account. How is this legal? I was NEVER given an opportunity to pay this account with XXXX as they sold the account to Transworld AFTER I had filed bankruptcy. I DO NOT OWE Transworld anything! I should have been allowed to pay this debt to XXXX and they should not have filed this as delinquent while I was in a Chapter XXXX & Chapter XXXX - just to put a collection on my account after my bankruptcy was discharged. Can someone help me get this removed from my credit? I don't see how this process was legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Block, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
Hello I was issued on a notification on Cash App saying that I would be receiving my {$1400.00} economic impact payment and I took note of notice to that and I waited to be able to access the money that is said was they are believe it was XX/XX/XXXX of last year and I never was able to have access to it so Ive been following him complaint with customer service with Cash App and no ones really helping me that Im telling me when where and how I can get my money back and/or how I can get access to my money it just keeps asking me if I was able to be helped or if I can be helped anymore with anything else and I just dont believe that that song fair or legal so Im thats what Im trying to do is basically father complain like whoever whatever admitted whatever entity I guess Ill know that I never had access to my to my third payment and I and I havent really been working last year and I really need access to my money so I dont know exactly where to go or who to report to see what Ive been trying to do so Im calling on the phone getting automated systems and I know that theres got to be some type of you know Im piece of paper or somebody I can give him the existing information to or whatever information I did have when I when I had a record of it and try and figure out what happened to my payment or if its a car payment tracker or let you know what to do about this unfortunate situation do but I really need help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft.  A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted to Capital One/XXXX XXXX with his information that resulted in an inquiryXX/XX/XXXX; an official dispute of this information was sent certified mail to Capital One/XXXX XXXX XX/XX/XXXX however a review of credit report still lists this information which is a violation of consumer laws and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Bread Financial Holdings, 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 advised Comenity Bank to cease calling me. They at calling everyone with my last name even my family members harassing them and phishing for information. The advised did not advised me my name was on the account and ca n't when I have no affiliations with the dental provider they mentioned. Why are they harassing me and my family! They were rather terse and asked if I had a lawyer in what I considered a threatening tone -saying it would be in my interests to call them. When I reached them the lady could not answer how my name is on the account. I asked if they were a debt collection agency they stated they were a BANK. http : XXXX

Company response to consumer: Closed with explanation