BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-04
Company: National Medical Administrators, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I visited a website operated by XXXX Limited-Life to buy XXXX oil they advertised. The deal was that a {$6.00} shipping only charge would be debited for a sample of the oil. 

I entered my debit card information and instead of the site bringing me to a confirmation page as normal sites do, it took me to a page that asked if Id like XXXX  pills as well. I skipped that page and it went to a page asking if Id like to purchase their XXXX cream. I skipped that too and it took me to a page asking if Id like to buy a XXXX enlarger! 

I immediately exited out of the site all together, realizing it was a scam - NEVER confirming any purchase at all. 

A few days later, I received a sample bottle of oil, a bottle of pills and probiotic pills ( which were never even on the site! ) I checked my bank account and I was charged the {$6.00} listed as XXXX , another charge from that entity for {$6.00} and another charge for {$2.00} from XXXX XXXX Offer. - Then, on XX/XX/XXXX my debit card was debited for {$110.00}. 

I called the number reflected on my bank transaction detail and explained to the girl ( XXXX ) that I didnt agree to any of these charges. She assured me that the charge for {$110.00} would be refunded and not to send back the products. She said that she would speak to upper management and make sure the account would be closed and that the recurring charge would be stopped. On XX/XX/XXXX, I received the {$110.00} credit along with the {$6.00} ( one of the original shipping charges ). 

On XX/XX/XXXX, I received a letter from the collection agency National Medical Administrators , Inc. ( ref # XXXX ) demanding the {$110.00}. When I called this company and spoke to XXXX on XX/XX/XXXX, she informed me that this account was never closed by XXXX and that I owed this charge. 

XXXX  willingly refunded the money to me so they obviously conceded that this transaction was complete. 

After reviewing XXXX complaints about these two companies its clear that they are working together, and I realize that this is one large scam that is repeated almost exactly each time. National Medical Administrators hides behind the fact that theyre a third party and have nothing to do with the original transaction, but they continue to do business with XXXX. This indicates to me that they are willing participants in this scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$3500.00}

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 2018-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Please reference my last complaint, which the company failed to address, complaint # XXXX. 

The bank issued 2 checks each in the amount of {$3000.00} and mailed them to my daughters through bill pay. 

According to their online bill pay statement : https : //www.bankofamerica.comXXXX XXXX XXXX XXXX ... the check will be mailed to the biller, and the money will be subtracted from your account when the recipient deposits the check. '' In actual fact, B of A deducted both checks on the day the bank said the checks were received. One was received and cashed several days later. One was never received. I asked them to cancel payment and issue another check, which they did. BUT, they never redeposited the {$3000.00} to my account until the new check was received and cashed, but B of A kept the {$3000.00} in their own coffers for the duration, until the new check was cashed on XX/XX/XXXX. 

At this point I began investigating their practice and found they do this all the time -- in effect kiting checks between the time they say the check arrived and the date the check is actually cashed. I've found several more instances of checks being kited for days, including a {$9000.00} to my CT tax office. 

They have responded to the first compliant with a ton of dates and website links, both of which I have discussed with one of their reps. They have not, however, done anything to make me whole. I must renew this complaint or bring another under a new number. If this does not bring resolution, I will seek legal representation. It is necessary because the problem is not only with my account but with all bill pay users and accounts for millions of dollars being kited by B of A.

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 2018-09-26
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Facing foreclosure on XX/XX/XXXX. For over a month I have tried to obtain proper payoff & reinstatement quotes from Wells Fargo. Wells Fargo continues to delay, obstruct, and not answer pertinent questions to make the either the payoff or reinstatement.

As of today, XX/XX/XXXX I have no valid payoff / reinstatement quotes for a XX/XX/XXXX foreclosure date.

This is common as I received the attached XX/XX/XXXX payoff / reinstatement quotes via email on XX/XX/XXXX at XXXX with a good thru date of XX/XX/XXXX XXXX.

I specifically asked Wells Fargo the below question on CFPB complaint # XXXX, and Wells Fargo specifically refused to answer in their XX/XX/XXXX response ( attached ).

Biggest issue is I have is the 1 mortgage with Wells Fargo, but 2 loan balances.

Mortgage - Wells Fargo Loan # XXXX 1st Loan Balance per XX/XX/XXXX Payoff = {$760000.00} 2nd Loan Balance per XX/XX/XXXX Reinstatement Quote ( attached ) and XX/XX/XXXX Wells Fargo Letter detailing the remaining loan balance after reinstatement payment ( attached ) = {$840000.00} Why is there a {$84000.00} difference in the total amounts due?

I have one mortgage, not two, and I should have one overall loan balance on one mortgage, not two drastically different loan balances on one mortgage.

I again ask, please detail why the difference and if in error, remove the {$84000.00}

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 non-monetary relief
Consumer complaint received 2020-11-23
Company: EQUIFAX, INC.
State: NC
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 still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, XXXX  and Equifax. The complaint numbers were XXXX XXXXXX/XX/XXXXXXXX, XXXX ( XXXX  ) and XXXX ( Equifax ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of all 3 bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by XXXX, XX/XX/XXXX or Equifax to resolve anything. I am also aware that data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. All 3 bureaus must be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX stated that the bankruptcy was validated through XXXX Bankruptcy court. The courts provided me with a document stating they do not validate through credit bureaus or any other third party companies

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 2022-10-04
Company: EQUIFAX, INC.
State: PA
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:
Dear SXXXX XXXX XXXX, I am writing to you under the Fair Credit Reporting Act as I want my credit report to be 100 % accurate and complete. I do not want incorrect or misleading information on my reports. 

I am disputing false and inaccurate information on my credit report with your companies and I want all of you to carefully investigate and delete all false information related to my biological information. 

Here is the only correct information that you should be listing : My name is : XXXX XXXX My date of birth is : XX/XX/1959 MY Social security number is : XXXX The only correct address is : XXXX XXXX XXXX XXXX XXXX PA, XXXX The only correct phone number is : XXXX XXXX XXXX I only am employed at XXXX XXXX XXXX XXXX The following information used to be correct but is now wrong and I do not want this incorrect information on my credit report. 

XXXXAt one time in the past, I lived at the address of XXXX XXXX XXXX XXXX PA XXXX but no longer live here. I do not want any person or company to use these old addresses because I do not want to run the risk of identity theft or my personal information going to a bad address. 
Remove this incorrect information. 


I see false information that was never correct. Make sure you delete any other personal information items other than the correct items I have listed above. To help, here are some entries that were never correct that I want to delete ASAP : My name has never been : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I never lived at these addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, OR I never had these phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I never worked at these places of employment : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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 check My Credit and I notice that someone Has been Using My personal Information for their Benefit I believe it the same person which stole my Valuable Items, which I made a police Report for Attached with this report you will find my Police report. I did not authorize nor give anyone Consent for these Accounts to be Open. This is Fraud!!! please Help me Resolve this matter, this is very Stressful This is Crazy How Can People do This Fraud Without My Consent Companies need to Do their Due Diligence before they allow just anyone to open these 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 explanation
Consumer complaint received 2017-12-14
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I was charged {$15.00} in fees. This was the result of overdrafting my checking account and money being automatically transferred from my savings account, both of which are in my PNC virtual wallet. I have had this occur numerous times before, and was never assessed a fee. And now, out of nowhere, I was charged {$15.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: MA
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: Problem with personal statement of dispute

Complaint:
I checked to see if I was part of the Equifax hacking leak on XX/XX/XXXX using the Equifax provided checking link. I received a mediocre response in that they said i " might be affected by the hacking ''. This is unacceptable it should be a yes or no response. Also, I asked a friend to check to see if they were effected by this incident using the same Equifax checking website and their response was identical on XX/XX/XXXX a few hours after I had check if I was involved. I believe this to be a fraudulent response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TransferWise Ltd
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent two transactions to a business in XXXX for a trip I'm taking this coming week. One on XX/XX/XXXX and one on XX/XX/XXXX. Both them took the money from my account right away and showed they went through to the business a day or two later.

The company I sent them to has told me they didn't receive the money in their account and has been communicating with Wise the entire time, several months after the first one and daily since the 2nd one.

Wise has now required me to communicate with the business and gather bank statements and upload them for review to confirm the money wasn't deposited. Wise refuses to speak with the business who received the money.

I should NOT have to be the point person on this dispute because my bank clearly shows the money was taken out and Wise clearly shows on their site in my account that the transaction w
as successful. Wise needs to work directly with the business in XXXX to resolve this with the bank on their side and leave me out of it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Exeter Finance Corp.
State: GA
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 natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
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: Account status incorrect

Complaint:
i have a home loan with ( XXXX XXXX XXXX XXXX ), they are reporting inaccurate and wrongful late payment on account number ending in XXXX. 
this is inaccurate and this is a complaint to what they are reporting. attached you will find the letter received from XXXX and it was processed to be updated with the bureaus, but for some reason it has not. please have all the three bureaus reverse this inaccurate late payment form XX/XX/2019. 
letter hence attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian won't remove or Give me method of verification on how they verified the accounts I'm disputing with them as they are only using XXXX  not actually providing me documents on what documents were used to verify they accounts if they can't provide me documents this must be deleted 2 XXXX accounts and total card they can't verify something that they are reporting without proof same with XXXX they have a XXXX card reporting on my report they just provide me proof paper work not just papers saying the accounts has been verified I sent them certified letters asking them for my documents as it is my right as a customer to see how they are verifying these fraudlant accounts

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 2022-01-07
Company: JPMORGAN CHASE & CO.
State: CA
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:
XX/XX/XXXX Purchased a XXXX XXXX XXXX through the chase ultimate rewards portal. I was give 4-7 days estimated shipping XXXX the item had not shipped so I called Chase to cancel the phone as it would not get to me in time. 
XX/XX/XXXX I received an email that my shipment was delayed. 
XX/XX/XXXX received an email that my item had shipped. 
XXXX received at some point between XXXX ( I was out of town XXXX XXXX I called chase to return the XXXX that I had cancelled and them informed me I needed to call the Ultimate rewards team for a return. 
spoke with the ultimate rewards team and they would not accept my return. 
XXXX  I spoke with Chase supervisor and they said there was nothing to be done. They let me know they see notes from when I called to cancel the phone but they did not process that cancellation request until after the phone had shipped. They informed me that a letter would be coming explaining this. 
XXXX I received a letter from Chase dated XX/XX/XXXX letting me know they were unable to cancel the phone because it had already shipped on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: EQUIFAX, INC.
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:
1.XXXX  XXXX , account # XXXX XX/XX/XXXX {$790.00} reporting charge off company will not comply with me on removing this item from my credit report after making attempts to satisfy. They are reporting to XXXX  and Equifax and this is keeping me from getting credit. 
2. Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize,. Reporting to XXXX   and Equifax. 
3.Inquiries XXXX XXXX XXXX XXXX, XX/XX/XXXX reporting to XXXX and Equifax and XXXX  I did not authorize. 
4. Inquiries : Showing on my XXXX  and Equifax XX/XX/XXXX XXXX XXXX XXXX and XXXX I did not authorize 5.Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax and XXXX. 
6. Inquiries : XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax 7.Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX  and Equifax.and XXXX 8.Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax and XXXX. 
9. Inquiries : XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax and XXXX 10. Inquiries : XXXX XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax 11. Inquiries : XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and XXXX 12. XXXX XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a collection account on my credit report that does not belong to me. I am a victim of identity theft and would like this account remove. I have spoken with the credit bureaus and they have refused to remove this fraudulent account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: FL
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:
Hello I have attached an FTC report with collections and inquiries I didn't authorize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28
Company: LJ Ross Associates
State: FL
Product: Credit reporting 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:
There are ( 2 ) " hard inquiries '' on my credit report that " I didn't not authorize '' or have knowledge of. 
( XXXX XXXX XXXX XXXX XXXX.. hard inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... hard inquiry on XXXX XXXX XXXX There are also ( 2 ) " collections '' from agencies whom aren't authorized to bill me as I have had no contact with said agencies. They are " third party '' bill collectors. I have no knowledge of these agencies or their functions. These accounts were supposedly settled and closed. Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation