BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted a 605b fraud affidavit. 

need to have these fraudulent inquires removed. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX # XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance other than personal XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXXXXXX XXXXL XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXXXXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX   XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX   XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX  XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance other than personal XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXXXXXX XXXX   XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$2500.00}, {$100.00}, {$2000.00}, {$76.00} {$2800.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX with ACCT # XXXX opened on XXXX XXXX XXXX  with a credit limit of {$2500.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 



-STUDENT LOANS- 3. DEPT OF EDUCATION/XXXX XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$2000.00} -This is not my account. 







-COLLECTION- 4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$76.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$2800.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Bank of America does not answer the phone and will not let someone cancel their account online. Therefore, they appear to deliberately make it nearly impossible to cancel, therefore forcing the customer to retain their card and continue paying fees. I called the customer service number twice and each time when prompted stated I have canceling my card and each time I was placed on hold for 30 minutes. Bank of America will NOT permit me to speak to any customer service representative other than this special cancellation line, and they apparently can not answer as they are arguing/misleading other customers in terms of keeping their accounts. I demand to close my account and Bank of America refuses to let me do this.

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 2018-06-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
profolio recovery and XXXX XXXX wont remove this debt from my credit report. they said its not there business I went to XXXX. they I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I called on XXXX XXXX to ask why I pay and pa and pay and the balance never goes down, and they told me because of the interest but they are charging me the inters of 6 years all of it in 1 year, thats not right they financed XXXX XXXX, and I already pay them XXXX dollars and the pay off balance is XXXX XXXX why and how??? Do I ow more then when I got the truck? Please help me, thank you have a great day

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Radius Global Solutions LLC
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 received an alert today from XXXX  telling me that my scores dropped by over 60 points! When I looked into this issue there appeared a collection from a company I never heard of called Radius. Once I was able to find out who Radius was I realized that they were collecting for XXXX XXXX. I personally have never had an account with XXXX XXXX so I have no idea why they are on my credit report. And the bill is only for {$52.00}!!! I am contacting Radius and XXXX XXXX right now to demand that they remove this from my credit immediately. I am trying to buy a new home and a car within the next few weeks. Obviously 60 points is a big deal to me right now!

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 2021-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2020, I received a notification from Bank of America that my credit card was upgraded from Visa Traditional to Visa Signature as I was a preferred client. They sent me a new card that is stamped ( Visa Signature ) and I started using the card. Lately, I had a damage and there is a benefit for such loss under the Visa Signature but not Visa Traditional, when I contacted Visa to collect such benefit being a Visa Signature holder, I was directly informed by Visa that although the card is stamped Visa Signature the bin number on the card ( first 6 digits ) are for Visa Traditional ( first 6 digits are XXXX ), which means I am not eligible for this benefit. So I called Bank of America to try to clarify the situation, the bank customer service representative stated that this is definitely a visa signature and when I clarified that the Bin number reflects Visa Traditional, she was shocked and transferred me to a manager. The manager was of less help and was not able to solve the issue as well.

I really request your help as the Bank is committing fraud, they mention something while the truth is something else, they issue a card with a Visa Signature stamp while it is not Visa Signature, it is the the worst types of Visa tricking their clients. I am sure they are doing this with many of their clients and not everyone experienced this.

Appreciate if you can get involved in solving this issue as my card if misrepresented to be Visa Signature while it is Visa Traditional. 

I am attaching copies of the front and the back of the card for your review.

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 2021-05-28
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have a XXXX XXXX XXXX XXXX. The end of lease is XX/XX/XXXX 2021. I would like to sell the car outright. At the time I leased the vehicle, I made sure to inquire that there would be no penalties or fees should I want to buy or sell the car prior to the lease being up. I was told there would not be by both the salesman and finance department. My payoff is a little over {$17000.00}, I was made an offer on XX/XX/XXXX/2021 for {$21000.00} by XXXX XXXX. My husband took the vehicle to VW to see what they would offer and was told that if we sell the car to a 3rd party, and not buy the car outright first, the other company will have to pay them {$21000.00} for the car, which is market value. I said I was not told this when I leased the vehicle, nor did the payoff quote say anything about if I purchased it outright or someone else wrote them a check- there is no transparency and basically VW Credit is taking the money from their customers and using NO transparency to do so. Had I gone and accepted the money from XXXX  XXXX, I would have owed VW credit more than I could sell the car for. I was lied to by their sales people to get me to lease a vehicle and I am being cheated out of almost {$3500.00}. I have spoken to VW credit and they will not do anything about it. The only difference is that someone else would right them a check for the payoff. This is truly stealing from your customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is my SBA loan thats was granted to me with interest.I was told by the SBA agent I can use PayPal not knowing you guys was going to lock my account I cant afford for PayPal to hold my funds for a 180 days this is a loan and Im responsible for this loan paying it back so please see that I really need my money so I can continue to keep my business up in running I will call my county commissioner to help me resolve this issue I did nothing wrong. 
PayPal Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: NY
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:
To whom it may concern I was looking at my XXXX XXXX. It's been a really long time since I looked I noticed a bunch of inquiries I know that I never authorized or signed anything for these companies to run my credit. I believe this to be some type of fraud as I never went to any of these places or even tried to do anything with my credit until I looked at XXXX XXXX on XX/XX/XXXX and noticed all this. My friend told me to come to you guys directly. Attached are screen shots of the inquries I am being accused of. I did not apply for any XXXX  cards on following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. I would like all of these to kindly be removed. I am going to look into this more might have been my ex being spiteful. I honestly didn't do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received information via email on a Wells Fargo account that had a balance of {$0.00}. I have not had an open nor active Wells Fargo checking or credit card account opened for years. When I spoke to customer service they advised that a checking account was opened on XX/XX/XXXX. Once I was connected with the Fraud department they investigated the account and deemed that it was " Fraud '' and closed the account. This also allowed them to delete my online banking information. The fraud specialist advised that they were unable to tell me how this happened. When I check my XXXX account and other credit resources, there is no unusual activity. Now, on XX/XX/XXXX I received an email from Wells Fargo welcoming me to their online banking. Since the last incident I constantly keep tabs on my credit and unusual activity. There has been no unusual activity and Wells Fargo fraud specialist continue to classify this as possible Fraud. Now an investigation will be happening again. In this process the account statement that was sent on XX/XX/XXXX was sent to a previous address and forwarded to my new address. I have been in my new address for a year now, which they have on file from the previous claim. Wells Fargo is unable to identify and explain how thorough their process is and only communicated by mail on general identity theft claims.

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 2021-05-28
Company: Experian Information Solutions Inc.
State: NC
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 have contacted Experian by phone mutliple times at two different numbers to lift a security freeze. 

- XXXX XXXX - XXXX XXXX After navigating a long phone tree my issue is not resolved. Instead, I am directed to write a letter or lift the freeze on the website. You are not able to speak to an agent on either of these phone numbers. 

After making the request on the website I received the following message : 'We were unable to honor your request to temporarily remove your security freeze based on the information you entered. ' With a request that I should mail in a request. 

I have been able to provide a pin at each juncture in the process. 

I am trying to get power turned on for my new apartment. I have called XXXX XXXX three times and they will not proceed without a credit check with Experian. When I attempt to set up an account with pin the transaction fails. I will be without power until I can get this freeze lifted.

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 2018-06-27
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, I applied for a modification and was approved stating that a response must be received by XX/XX/2018. I was put on a trial payment plan which is {$1000.00} for three months. I asked that after the three months would my mortgage then drop to a lower payment, and I was told no it would remain the same. I have a hardship, and I am trying to keep my house out of foreclosure, so if you can help me I would be most grateful. I am on a budget and I can't pay this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle with VIN # ending in XXXX from XXXX and opted for financing through Bridgecrest. 
My very first payment was due on XX/XX/2021 which was paid via card online on XX/XX/2021. On XX/XX/2021, I received an email stating that I'd missed my payment. I immediately made contact with Bridgecrest via text message. The representative informed me that my payment had been applied to " my previous account ''. I informed her I only had one account. She stated that her manager would be applying the payment accordingly on said date and apologized for the inconvenience. That was an hour long ordeal. As such, I continued to check my account daily and there were no updates. But I was not getting anymore emails and notifications so I presumed it was in process. Then on XX/XX/2021, I received a letter via USPS mail entitled " Notice of Right to Cure and Intent to Repossess '' and dated XX/XX/2021. This letter was demanding payment of the past due amount by XX/XX/2021. I immediately called Bridgecrest and asked for the contact information for their general counsel office. I was told that their General Counsel does not converse with customers. I let her know I didn't want to converse with them either. I just needed to have my attorney send them their paperwork. This representative also made mention of " the other account ''. But she added that it existed because I'd originally had a different vehicle ( same make and model ... different VIN ... which I swapped out for the vehicle currently in my possession ) from XXXX. I informed her that the payment for that vehicle was a totally different amount AND I never signed up for Bridgecrest until long after the swap took place. She claimed to be escalating my call to someone who could assist. The next individual verified all that is stated above and said she needed to contact yet another department and would return my call that day. I still have not heard from anyone and my payment remains misapplied. The current acct # ends in XXXX and is reflecting as past due. The payment was applied to acct ending in XXXX  and was the sole account available on XX/XX/2021. The {$540.00} payment was made, they got their money, and now they want the property back when they have no grounds? Bridgecrest and XXXX are a fraudulent union and need to be investigated from the date they were incorporated.

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 2018-06-26
Company: AMERICAN EXPRESS COMPANY
State: WI
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 rewards from credit card

Complaint:
On XX/XX/2018, I transferred my XXXX XXXX points to my wife 's XXXX account. My wife is the authorized user of two of my Amex cards. This transfer went through. Then I tried to transfer XXXX XXXX points to my own XXXX account, and the system said " it can not be completed because I'm selling points to other people ... ''. I tried the transfer again, the system said my XXXX account is now under review. Called immediately and the rep told me the review will take 6-8 weeks.

This is really unacceptable, since it was Amex 's customer representative who taught me that I can transfer my points to authorized user 's airline account! Now I did what Amex suggested and they think I'm selling points, to my wife who has my family name and live with me under the same address. This practice is really deceitful and underhanded on Amex 's part, and I shouldn't wait for 6-8 weeks and watch the reward air ticket seats for our third wedding anniversary 's trip gone during the period!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Bread Financial 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: Old information reappears or never goes away

Complaint:
CB/VICSCRT - XXXX CB/VICSCRT - XXXX both of these accounts are on my credit which it shouldnt be according to the reporting act. This account was sold to another lender and the original creditor should not report this information on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Prime Choice Funding Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a Prescreened offer of credit dated XX/XX/2020 from PrimeChoice Funding ( NMLS # XXXX ) stating I had been pre-approved for a new mortgage in the amount of {>= $1,000,000}. When I spoke with the representative XXXX XXXX ( ID XXXX ) on XX/XX/2020, she stated that they no longer offered a jumbo loan program. This offer was deceptive, as the firm advertised a program they do not offer, enticing me to divulge my non-public personal information ( NPI ) without offering a bona fide product or service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: ERC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation