BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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:
On our XX/XX/XXXX Bank of America mortgage statement, the fixed principal balance is {$190000.00} Original BofA balloon mortgage was opened in XX/XX/XXXX with {$200000.00} balance. It was converted to {$200000.00} fixed mortgage with non-interest balloon in XX/XX/XXXX. On or about XX/XX/XXXX the mortgage or about was sold/ transferred On or about XX/XX/XXXXXXXX transferred/sold the account back to Bank of America BofA has and continue to report to all Credit Bureaus conflicting, erroneous, and negative data which have had negative and adverse impact on all three Credit Bureau Reports . As a result of this, I have been denied twice because mortgage balance owed on account is too high I have tried for two years to correct this on my credit reporting by filing disputes with Bank of America Office of the President, CFPB and all three Credit Bureau with no success.

Errors include, but not limited to : Bank of America ( website/statement ) Opened XX/XX/XXXX Original balance XXXX  Current Balance XXXX  Current interest rate XXXX  Transferred to XXXX XX/XX/XXXX XXXX Credit Report Bank of America- Open Date opened XX/XX/XXXX Date last report/update XX/XX/XXXX BalanceXX/XX/XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Credit XXXX  Months reviewed 99 Balloon payment {$180000.00} Bank of America -closed Date open XX/XX/XXXX Date closed XX/XX/XXXXBalance {$0.00} High credit XX/XX/XXXX Months reviewed 12 Date ReportedXX/XX/XXXX Balloon payment {$0.00} XXXX XXXX XXXX  ( Closed ) Date opened " XX/XX/XXXXDate Closed XX/XX/XXXX Balance XXXX Months Reviewed 13 Balloon payment ( blank ) XXXX-Credit Report Bank of America ( Open ) Date opened XX/XX/XXXX Date of updatedXX/XX/XXXX Balance XXXX  High Credit Months Reviewed 66 ( 18 months -ND ) Date reported XX/XX/XXXXXXXX XXXX- ( Closed ) Date opened XX/XX/XXXX Date closed XX/XX/XXXX Balance XX/XX/XXXXMonths reviewed 13 Date reportedXX/XX/XXXX XXXX -Credit Report Date opened XX/XX/XXXX Date last report/update XX/XX/XXXXBalance XXXX Months reviewed 76 I have included Credit Reports I pulled on or about XX/XX/XXXXwell as a spreadsheet ( data from credit reports and Bofa bank statements ) which will highlight errors.

I would appreciate any assistance you my give me. My email address is XXXX  or I may be reached by phone at XX/XX/XXXX feel free to leave message.

Thank you XX/XX/XXXX Attachments

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 2018-09-30
Company: SYNCHRONY FINANCIAL
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:
I recently conducted a review of my credit report, and I noticed that a fews agency show credit inquiries that I find to be problematic. I have no recollection of doing any business with XX/XX/18 XXXX XX/XX/18 Syncb/tjx Dc XX/XX/18 Syncb/lowes XX/XX/18 XXXX Fa XX/XX/18 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 2020-09-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a new mortgage with Wells Fargo Bank on an existing residential property in XX/XX/XXXX. 
Wells Fargo provided deliberately false and inaccurate information as to why the loan was denied. 

Several complaints were made to the resolution center at Wells Fargo and on two occasions they wrote and admitted that they had provided incorrect information in the disclosures about the reasons for the loan decline. 

Wells Fargo has failed to notify ME about any requests for reserves and instead used reserves as another reason for denying the loan after I challenged the reasons that they provided initially for the decline. When recognized that they did not follow guidelines for not approving the loan, they created a new one. 

The investigation in Wells Fargo has been ongoing since XX/XX/XXXX. 

Wells Fargo has engaged in discriminatory practice in the denial of this loan.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under! 5 USC 1681. 

XXXXDEPT OF ED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report counting any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-05-27
Company: Experian Information Solutions Inc.
State: CA
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 asked Experian why if my student loans are in good standing that debt to ratio goes up. I am in a work program that allows me to not pay because I work in a nonprofit but when my student loan reports it shows my interest rate which causes my debt to ration to go up. 

After asking this question and getting an answer my score drop with Experian 14 points and it should have not. 

I have an attorney looking into a class action suit on credit reporting. I should not have my score impacted for a dispute question.

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 2023-02-28
Company: Experian Information Solutions Inc.
State: NV
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} 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 2021-01-22
Company: WELLS FARGO & COMPANY
State: DE
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:
Wells Frago has already discharged this debt 3 years ago. My attorney disputed this with wells Frago an attachment is attached to this email. I located this dispute deleted information from Experian. 

This is Extremely unfair and disturbing that I could dispute a debt and it continues to cause damaging to my credit report for years after many years Ive disputed. Wells Fargo again has no right to assign so many accounts that a customer can not even determine monies that she or heTrusted in a bank with financial importances. Again please have Wells Fargo to review the deleted information and investigation and to remove this debt off on my credit report that is extremely damaging.

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 2023-05-18
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  I was in a XXXX XXXX but my car insurance should have covered all my medicals expenses. But I'm getting send to collection for XXXX that should have been covered buy my insurance which is XXXX. they even had the wrong address I don't live there any more

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Good afternoon,The overdraft practices at Wells Fargo, are highly unethical, and prey victim to vulnerable individuals who become victims of never ending overdraft fees. The way that their system adds everything at the end of the day when everything post needs to be looked at very carefully, and how it’s affecting consumers who fall behind and can never get a foot because once they get one fee, if they don’t have it by the end of the following day, they hold back more transactions to post following day, once negative you keep getting hit for the additional transactions. Wells Fargo needs to address such issue, that is without a doubt generating them a lot of cash flow. These practices should be banned, WF should be fined for 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 monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I tried to use my Citibank double cash card to make a purchase on XX/XX/XXXX and XX/XX/XXXX. It was declined on both occasions. When I called to ask why the representatives gave me false information and refused to help me further. I was ask to verify my identity 4 times over almost 30 minutes and transferred from agent to agent. I believe that this is a deliberate attempt to harass the customer to make them get off the phone in order to reduce customer service costs. This is a terrible way to treat a customer.

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 2021-05-01
Company: Experian Information Solutions 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 an inaccurate account with Experian a number of times. I have disputed it with the other 2 bureaus and the item was deleted. Not from Experian however. This last time I mailed in my dispute and they received it around XX/XX/XXXX. It is only XX/XX/XXXX and yet they are saying the item remains. The dispute is regarding a car that was paid off with insurance. I have asked Experian to send me proof of validity to no avail. How did they investigate after only 10 days. This is causing me to not be able to purchase a home. I am desperately trying to get them to correct this discrepancy 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 2020-04-04
Company: Remitly, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Hi, Sub : Fraud and unAuthorized transaction from Remitly Service I am usng Remitly service for money transfer for the past 3 years Recently on XX/XX/2020 XXXX Friday ) a new receipt was added and fraud transaction was initiated in my account with out any notification and alert message from Remitly. 
It seems internal person of Remitly has done this because no notification came to my email and I got email from Remitly when transaction was about to complete It clearly shows someone from remitly backend team did this by stopping alert to me.

Steps I followed : Trying to contact Remitly for this fraud transaction but due to corona virus issue ( their response is only thru chat n will take 1 hour to reach them ) I was able to connect with their customer support for fraud transaction. 

Remitly customer support said that to file dispute transaction with bank ( which I did ) from myside and they will investigate and come back to me or try for reversal of amount. 

Now after continue contacting them for update, I am getting no response from them and they have blocked me from chat and customer support with no explanation Note : I don't recognize new receipt added and bank details to which my amount was send. 
Eventhough Remitly knows its their fault and don't want to refund my amount ( 2900 $ ) Thanks & Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My credit report is showing late payments to XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.

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 2018-10-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had 3 fraudulent charges from my Chase Checking account. Chase reversed the first 2 charges and not the third saying their company policy is to only reverse the first 2 charges because they have a 60 day time limit. The 1st charge was {$54.00} in XX/XX/2018, the 2nd charge was  {$180.00} in XX/XX/2018 and the 3rd charge was {$530.00} in XX/XX/2018. I can't get passed anyone at Chase because all they are telling me is that it is company policy. When I originally filed the claim they told me it had to reported within 60 days which I thought I did seeing I filed the dispute in XX/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 we moved from XXXX XXXX XXXX, XXXX XXXX, NJ to our current address. We had to cancel our XXXX XXXX service and they sent a box and prepaid XXXX  ground label, tracking number XXXX to return their equipment. The equipment was sent back on XX/XX/2018 and received at their facility in XXXX, PA on XX/XX/2018 at XXXX. Despite having concrete evidence the equipment was returned, XXXX billed me for the equipment. I'd call, give the tracking number, be told it would be taken care of and just get a new bill. XXXX then sent it off to collections and I've been being harassed by collection agencies since. The collection companies, upon being told by me the " debt '' doesn't exist, simply pass it off to another company. I am currently in receipt if a notice from Convergent, their reference XXXX demanding payment. This is at least the 2nd, if not the third time Convergent has handled this same debt. Please note this matter has also impacted my credit report. Can you please advise how to resolve this matter? Many thanks in advance for your kind attention to this matter.

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 2018-10-12
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 have disputed a few items on my credit report however it keeps coming back as verified. 

XXXX XXXX XXXX  Also a lot or inquires In may i spoke to a police officer they gave me a police report I called all 3 beaus with the report number. 

I was told it would take 5 bus days its now XXXX.. the bearus said that it came back verified. not that they verifed what was " verifed '' on top of that i have a enormous amount of inquires that are still there. The Poeple just keep running my credit over and over ..it was so bad they transposed my soc sec giving a me joint file for a long time and no one know Ive now submitted my police report to you guys

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 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX 's installment Account Number XXXX Amount Due {$1800.00} Due Date XX/XX/2015 I 've paid  and settled this account over a month ago. 
I was told that i would receive a letter stating that the account is paid and settled with a XXXX balance. 
I have not received the letter and my credit is still not updated. 
I am in the process of buying a home and this is the last condition in order for me to close on my loan. I have XXXX children and we are all living in a hotel room until XXXX 's update my credit report or send the letter so I can provide that to my lender for a XXXX XXXX. 
I 've also disputed this account, after the account was settled XXXX 's still reported that I owed $ 1,800+ on this account a few days ago. The dispute was closed and nothing was updated. I have called XXXX 's more than 4 times a week for the last 6 weeks with no resolution.

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 2021-04-07
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ally is reporting a delinquent balance on my credit that i am not responsible for. This pending balanced was supposed to be paid by my GAP Insurance/ third party insurance as a result of a total loss of vehicle. I have tried to resolve this matter with Ally via phone an also by mailing a request for further clarification, and they have failed to do so.

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 2017-09-15
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 status incorrect

Complaint:
I had Experian investigate XXXX XXXX during a dispute on my credit report. They came back and verified the debt..I had paid a settlement and XXXX considered account to be paid and closed..Experian decided to keep displaying the account on my credit. I recently contacted XXXX  XXXX VIA Chat on their website. I asked specifially what I could do to get the information off my credit. I was told by the XXXX representative that they did n't have my account in their system. They could n't find it ... Therefore they could n't verify the account.the XXXX account is XXXX..It appears 2x

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 2020-09-09
Company: Conduent Incorporated
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
My eppicard had expired, so I ordered a new one which I received.I 've been trying to activate the card since XX/XX/XXXX, by calling every day ( several times a day ) I get put on hold for hours and then the line hangs up.When I finally get to speak to a human being, I then get transferred, and get put on hold for hours and then get hanged up again.My money has been put in hold, I can't use the card was told that I have to speak to the fraud department, but I never get transferred to them.I need my child support money and this company doesn't seem to care, they just keep holding my money.Please help they are alot of other families having the same issue with Eppicard.

Company response to consumer: Closed with explanation