BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 we made a payment of {$12000.00} to XXXX XXXX, XXXX XXXX XXXX, XXXX, MA, XXXX at a XXXX XXXX account # XXXX XXXX XXXX. We subsequently learned that the account number was incorrect, XXXX XXXX does not have an account at XXXX. Please see attached for required fields in order to process payment - first name, last name , street address, city, state, country and postal code are all required fields for the transaction. Bank of America validated the recipient information. 

Subsequently, we learned that the account number was not correct and does not belong to the intended recipient. We immediately contacted Bank of America to put a hold on the transfer. Bank of America assured us that the funds are guaranteed to never make it through as there is a mismatch between the recipient and the account number. They assured us the funds should be back in our account the next day. 

To our surprise, the funds cleared from our account and were sent to the account number above, that belongs to a recipient unknown to us. To add insult to injury, we received a shocking note from Bank of America, simply notifying us that our claim to return the funds has been denied. This logic is equivalent to us sending a check to the recipient at an incorrect address and the receiving party depositing the check in their account, with a complete disregard for the fact that the intended recipient was someone else. 

As you can imagine, we rely on adequate security measures of large institutions such as Bank of America. In this instance, these security measures failed and we demand the refund of the full {$12000.00} so we can pay the intended recipient. 

Regards, 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 explanation
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 have had some disputes and noticed that they are no longer doing anything with them I have a credit repair company and they have disputed at least five things and now I look at the dispute center and nothing has been done. I have also noticed that they have place two accounts that were closed years ago and have put them to where they are being reported this year and they have already been charged off five years ago. I received a letter from the courts saying these accounts have been resolved. I think this is possibly XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I I deposited {$1100.00} at an ATM Wells Fargo XXXX XXXX XXXX the ATM did not give me a receipt and also put the wrong amount in my account only saying I deposited {$710.00} when I really deposited {$1100.00} in cash I then filed a report with the bank and they did an investigation and they said that they did not make a mistake after a month and a half of looking into it I firmly disagree with this decision because this is fraud I counted the exact money that I put into the ATM on XX/XX/XXXX and it was {$1100.00} so the bank needs to take responsibility for this and give me the {$400.00} that they owe me. They are refusing to hear my complaint and challenge their decision and poor investigation I feel that this is criminal to steal money from a customer when Im depositing cash at an ATM that doesnt print receipts like it should. Please 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 explanation
Consumer complaint received 2023-09-09
Company: Exeter Finance Corp.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a car via Exeter Finance in XX/XX/XXXX. The vehicle was purchased for around {$18000.00}. My payments were {$490.00} monthly. I discovered that Exeter was for many months was charging me {$490.00} in interest monthly. So after nearly two years of payments, I still owed almost {$17000.00}! The vehicle was totaled in XX/XX/XXXX. The insurance company paid off a little over {$14000.00} leaving a balance a little over {$2800.00}. I had purchased an extended warranty for the vehicle for {$3000.00} from which I expected a refund. I continued to make payments while waiting for the refund and Exeter was still charging me {$490.00}. 
XXXX in interest. By the time vehicle was completely paid for, Exeter had charged me almost {$1000.00} in interest on a {$2800.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
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: Old information reappears or never goes away

Complaint:
accounts are closed by the companies, when I received my reports back from bereaus via Transunion, XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Advanced Resolution Services Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have never received my consumer report from ARS ( Advanced Resolution Services )! 


I have been trying to get that since 2017! 



At least 2 companies did adverse actions to me citing ARS! 

Is that the tip of the iceberg? 

What if more companies did adverse actions because of ARS and I don't know about it yet????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: PNC Bank N.A.
State: KY
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:
PNC points VISA PNC Bank Credit Card XXXXXXXXXXXXXXXX balance now over XXXX on a XXXX limit. Had tried closing the account at XXXX balance but they never allowed it to close and problem person used credit card. 

help please.they will not close the account even when it was at {$1200.00}. I have repeatedly asked them to close it and they say they are but do not take action, then try jacking up the credit card even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-03
Company: EQUIFAX, INC.
State: WA
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 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: RELIANCE FIRST CAPITAL LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have called my mortgage company numerous times reliance first capital to figure out how I can get back on track Ive left messages I sent email today and nobody is calling me back. I cant get in touch with anyone its like Im set up to fail.?? I just need a a couple months to get back on track. I had a hardship with my vehicle and its cost me over XXXX out of pocket over last 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: SYNCHRONY FINANCIAL
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is for the Venmo Visa card issued by Synchrony Bank. I contacted the business on XX/XX/2023 and spoke to an overseas agent in regards to submitting a timely billing dispute. This is for a purchase dated XX/XX/2023, merchant is XXXX XXXX XXXX and the amount is {$4000.00}. The merchandise has been returned, proof is attached via XXXX showing that the merchant received the merchandise. Also, attached is the store policies taken directly from the receipt. The business has a 30 day return policy. Please process the dispute.

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 2019-04-27
Company: EQUIFAX, INC.
State: AL
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 Disputed wrongful reported information on Equifax and XXXX   credit report by XXXX XXXX. I sent letter asking for proof of accuracy. Equifax failed to respond back in given time per law. Therefore collection account from XXXX XXXX should be removed from my credit profile. I also disputed with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
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: Account information incorrect

Complaint:
XXXX XXXX is putting a fraudulent acct on XXXX and transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: EQUIFAX, 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 am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; Unkown : XXXX ; Unkown : XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX   XXXX ( Original Creditor : XXXX XXXX ) XXXX ; XXXX XXXX XXXX ; XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the collections claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed.

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 2020-11-02
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/20 our mortgage refinance was transferred from XXXX XXXX in Virginia to AmeriHome Mortgage. The first payment was due XX/XX/20. Between the time of closing and the first payment was due, our flood insurance dropped by {$1000.00} per year. I called AmeriHome and spoke with XXXX. She told me she would make a request for and escrow analysis. She said it could be accepted or denied. She said it would lower the amount of the monthly mortgage payment. She said we would hear by XXXX in a call or a letter. She strategized with us to figure out how long we could wait to hear back from the analysis before our payment would be late. Having heard nothing from AmeriHome, on XX/XX/20 I called again and spoke with XXXX. He informed me that he could not find an escrow analysis request. He said he would make a request. He said the late date is the XXXX of the month. I said my mortgage statement says after the XXXX is late. To date we have not heard from AmeriHome about the escrow analysis. I received a letter from AmeriHome on XX/XX/20 saying AmeriHome had not received any payment on the mortgage. I placed a call to AmeriHome and waited 30 mins twice. During the call an automated voice told me that only one payment was due on XX/XX/20. And that an property tax payment was pending. So we assumed that the company had received the first payment. So, we would like some help with this company. We believe our mortgage payment should be adjusted. Thank you, Sincerely ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please help and thank you, my name is : XXXX XXXX & I am XXXX years old XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX VIN # XXXX MILEAGE XXXX XXXX CASE # XXXX Account # XXXX This is my XXXX new XXXX lease in last 5 years from same dealership at XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX, the car is still under manufacture 3 years or 36,000 miles bumper to bumper warranty. car shut off while driving and will not start on XX/XX/XXXX & as of today 's date is XX/XX/XXXX is sitting at the above dealership where I leased from, to make a long story short, over 3 months I am paying both my lease & full coverage car insurance every month but I don't have a car to drive. the car & warranty is own by XXXX & all maintenance is up to date. but they will not check the car unless I pay 4 hours diagnostic fee, XXXX lease said I need to keep paying my lease or they will send me bad credit & collection agency however they said keep talking to XXXX warranty. I am stuck PLEASE HELP - I can not fight big company like XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: McNeil & Meyers Asset Management Group, LLC
State: VA
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 sent debt validation letter XX/XX/2018 on to this alleged debt. The collection agency have failed to respond to alleged debt. They also sent return receipt back on XX/XX/2018 and still no responds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-27
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had a current and good standing account with American Honda since 2012 and The loan is almost complete however I attempted a goodwill phone call to them to have my late payments removed from credit report. And was just told " no '' .. I feel this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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:
I AM VICTIM OF AN IDENTITY THEFT, WHICH MEANS THE ACCOUNTS I AM DISPUTING ARE FRAUDULENT AND NOT MINE. MY PLEA IS THAT THE PERSON READING THIS WILL UNDERSTAND THAT I AM CONSUMER AND I AM VICTIM, I BEG YOU TO PUT YOURSELF IN MY SHOES, SOMEONE STOLE MY INFORMATION, I UNDERSTAND THAT XXXX AND XXXX ( XXXX ) ARE BIG COMPANIES AND I UNDERSTAND THAT I AM A XXXX BEING A WOMAN, BUT I AM BEGGING YOU TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. MAYBE MY INFORMATION WAS STOLEN FROM THE EQUIFAX, I DON'T KNOW HOW THE THIEF GOT A HOLD OF MY PERSONAL INFORMATION BUT PLEASE PLEASE REMOVE THESE ACCOUNTS FROM MY EQUIFAX CREDIT REPORT. 

I HAVE NOT RECEIVED AND BENEFIT OR GOODS FROM ANY OF THESE COMPANIES. 

THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my credit report and noticed a medical debt from Medical Data Systems INC. I reached out to them to inquire about the debt and they sent me some paperwork in which it violated my hippa rights. They had personal information showing my procedures and medications. I never signed a hippa form to release this information.

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 2020-07-15
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
Hello, I had sent a letter to Equifax regarding some inaccurate information on my credit report and for them to remove and fix the accounts on XX/XX/2020. I sent them a follow up letter on XX/XX/2020 and still no reply. From my understanding they are in violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021

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