BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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 contact Bank of America several times to remove this fraudulent account on my credit profile ( XXXX ). This account is fraudulent account and does not belong to me. I have provided the needed documentation to show proof of fraud and to request that this information stop being report to the credit agencies and to close/remove this account from being pursed within Bank of America. I have attached the Police Report, Removal Request Letter, FTC Affidavit Notarized, Proof of Identity and Address. I am requesting that this information is removed immediately. Bank of America continues to provide fraudulent information to consumer reporting agencies after I have shown them multiple times that that account is fraud! I am requesting that Bank of America removes this information from the credit agencies immediately. The account that is being requested to be removed is : BANK OF AMERICA Account number XXXX .... Recent balance {$240.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off.

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 2020-01-24
Company: CREDIT ACCEPTANCE CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : CREDITACPT XX/XX/XXXX AND XX/XX/XXXX / XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: General Motors Financial Company, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX Americredit XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX TX XXXX. In Regard to GM Financial Account XXXX. On XX/XX/2020 I received a letter from XXXX XXXX from Americredit. I, XXXX XXXX and XXXX XXXX are the consumers, creditors, and sellers of the GM Financial account. We did not enter a consumer credit transaction with XXXX XXXX with Americredit. In pursuant to 15 USC 1681b and 15 USC 6802. We did not give GM financial institution permission, consent, nor the clearance to disclose our personal information to a nonaffiliated third party. In pursuant to 15 USC 1692c. ( c ) I am demanding that XXXX XXXX and staff at Americredit cease all forms of communication with us through any and all mediums. In pursuant to 15 USC 1692d ( 2 ) stop harassing us. These abusive practices are a violation of 15 USC 1692c ( b ) .This is an infringement of our rights to privacy and it is causing us emotional distress. This letter included obscene language that was abusive and harassing to us. Enclosed is a copy of the cease and desist, the letter sent from XXXX XXXX and the certified mail receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: EQUIFAX, INC.
State: PR
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:
I filed a bankruptcy for chapter XXXX in XXXX and the discharge of it went out since XXXX. Van XXXX years of that process and still Equifax shows the same in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: CAINE & WEINER COMPANY, INC.
State: LA
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:
I do not now nor have I ever had a contract with XXXX XXXX and these clowns are trying to make me pat money I do not owe! 
It was removed from my XXXX credit report but still remains on the other two. This is outrageous and a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I attempted to use my main bank ( PNC ) to use a budgeting, and payday loan app called XXXX. When doing so, it was made apparent to me the PNC no longer supports this type of app. This happened on XX/XX/20. This makes it so I am ineligible for this type of app or service, due to PNC blocking my ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: SC
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 was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX   XXXX XXXX XXXX XXXX  XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My name is XXXX XXXX and on XX/XX/18 I went into XXXX on XXXX XXXX in XXXX, Florida to make car payment like I always do. Gave the customer service person my information. I have been making this payment for a year now. I was informed by my car payment XXXX XXXX XXXX, XXXX XXXX that they still have not received my payment. Went back to XXXX and they submitted my payment to XXXX XXXX XXXX. Was told they couldn't do anything. called Western Union and they keep telling me they are trying to get XXXX XXXX XXXX to release monies. Today is XX/XX/18 and I still have no refund or car payment. My car payment was for XXXX and paid XXXX for urgent fees. That is a lot of money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
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:
There are two XXXX accounts reporting on XXXX and XXXX that are not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.

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 2018-09-18
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX received a " Notice of overdraft '' letter from TCF- this notice does not show *Dates " of the transactions- and is completely out of SEQUENCE* when comparing with the Transaction History and 'running balances '' - With this notice 'SIX ' transactions transpired- all are 'randomly- dated XXXX XX/XX/XXXX and XX/XX/XXXX the ( balances on notice ) - are Not the Same when comparing to online transaction history with 'running balances ' on XX/XX/XXXX charged over draft fee of $ XXXX the only transaction was on XX/XX/XXXX for $ XXXX notice shows negative ( When comparing to transaction history and running balance on this date balance shows a Positive amount ", on XX/XX/XXXX Another overdraft fee $ XXXX that leaves Five- transactions of the 'Five '' remaining- ( the dates are two are on XX/XX/XXXX and XXXX on XX/XX/XXXX ) They are- Not Processed consecutively/ not Processed in order of " dates '' / Randomly Out of " Sequence ' THE FUNDS WHERE ALL AVAILABLE FOR ALL 6-TRANSACTIONS- See enclosed Notice -plus- Transaction History with Running Balances- I should not be charged overdrafts.. Total {$74.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: M&T BANK CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was contacted by XXXX XXXX XXXX XXXX who offered attractive investments and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX XXXX XXXX XXXX is not regulated in XXXX, where I reside, nor in the USA where the Merchant and its beneficiary pretended to be registered. I now understand that XXXX XXXX XXXX XXXX does not have the ability to provide segregated accounts for investment purposes. 
XXXX XXXX XXXX XXXX instructed transfer payments to a Beneficiary called XXXX XXXX which bank account is at M & T Bank, New York. ( invoice attached ) 1 transfer was executed for a total amount of {$2800.00} to this account XXXX XXXX, XXXX : When I found out that it was, a scam, a Lawyer sent a letter to the Beneficiary XXXX XXXX in XX/XX/XXXX. No reply was received. ( Letter attached ) XX/XX/XXXX, A lawyer sent a letter to M & T Bank. I received an email reply XX/XX/XXXX, form a XXXX Field Investigations Manager, stating I spoke with our legal department and we will be denying any claims at this point. You will need to go after XXXX XXXX  XXXX XXXX who sent you the actual invoice. They are not a customer of M & T Bank.

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 2020-05-22
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: Personal information incorrect

Complaint:
I'm having issues updating my address on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
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: Investigation took more than 30 days

Complaint:
This complaint dedicated to TransUnion regards their insincere measure actions not responding past 90 days. The data reported about me is erroneous because this is not my account. 

The XXXX XXXX, with the account number beginning with XXXX is entirely inaccurate and incomplete, and represents a very serious error in your reporting Therefore, requested disputes but after the past 90 days no response and no action at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I feel like I am being penalized or retaliated against by Wells Fargo since I had complaint about the original checking/credit account opening beginning in XX/XX/2021. As recent as XX/XX/2021, my credit monitoring alerts indicated WF  again has another checking/credit open under my identity. They closed one and attempted to open another.

In addition, the WF fraud department sent me a slew of documents dated on XX/XX/2021 to be NOTARIZED by me or they threaten to leave the accounts open and will assume it was made in good faith. Why don't they make the person who is trying to open the account notarize the application? Why do I have to pay for a notary service to stop them from opening fraudulent accounts. Keep in mind that I had already put a fraud alert and froze all of my credit reports. The letter also stated that they could not reach me by phone, but I had called them several times regarding the fraudulent accounts. 

Called them XX/XX/2021 with Claim # XXXX, other case # given XXXX and two more times after this. 

I even went into a local branch ( XXXX XXXX nmls : XXXX ) so they can verify my identity : XXXX I had filed an earlier case that was closed on XX/XX/2021 and was referred to WF Fraud department. 

Subject : Concerns received from the Consumer Financial Protection Bureau Case # XXXX Wells Fargo Case ID : XXXX, XXXX and XXXX Account ending in : XXXX I don't understand how a large financial company can even open an account without properly checking a person identity and when the identity is in question, force the victim to identify himself or they would leave the account open. It's mind boggling. 

I attached the letter from WF fraud department stating that I must notarize my identity otherwise they will assume I had authorized the credit card application. I also attached my monitoring alerts showing WF is again opening credit/checking account in my name fraudulently. This is blatant fraud and blackmailing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Made XXXX payment on XX/XX/XXXX, through XXXX XXXX Bill Pay system with an expected delivery date of XX/XX/XXXX. The payment was applied by the servicer on XX/XX/XXXX. Mortgage payments are made in arrear so this payment should be credited for XX/XX/XXXX and its mortgage interest.

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 2018-09-18
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The account with XXXX XXXX XXXX account # XXXX ending in XXXX is closed and charged off. There should be no DELIQUENCY AFTER A CLOSED DATE ... ..So how is this ever late or past due? On any of these reports. I have provided proof and documents that this has been reporting inaccurately for months. I have been disputing it mulitple times not only with the creditor but with the credit reporting agencies and they have come back and said they have verified that this is accurate but not addressing the concerns of the disputes. Well i do have rights and according to FCRA 623 Duty of Furnishers of Information to Provide Accurate Information at all times. This has not been the case for me concerning this account with Experian and XXXX. Please see attached inaccuracies with mulitple request of disputes to verify the information that was provided by the creditor. 
how was XXXX payments received on a 4 month term loan? 
How is there a payment amount due? 
why are there 3 different amounts on all different bureaus? 
why is this charged off and closed and past due at the same time? 

This has caused me so many issues in the last year that i cant express how thankful i am to finally get help with one bureau, now can you assist with the illegal activity that is being done with the others.

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 2020-07-06
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Citi bank XX/XX/2020. Account # XXXX ( Citi Priority ). I opened the account online with an assistance of a representative over the phone. At the time, For Citi Priority account they had an opening bonus of {$700.00} promotional code XXXX. I was required to deposit {$50000.00} within 30 days of opening the account. I deposited {$50000.00} XX/XX/2020. I was told I need to maintain the deposit for 60 days and I will be paid a {$700.00} within 90 days. Between then and the end of XXXX, I maintain the amount required. I contacted the bank about three times between XXXX and XXXX. I was told my bonus will be paid by XX/XX/XXXX. On XX/XX/XXXX I contacted the bank to check the status. I was told, they don't see any promotion and they will open an investigation. Today, I received an e-mail advising me, unfortunately they do not see any promotion code and they will not be paying any bonus.

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 2018-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Phone call XX/XX/2018 @ XXXX from phone number XXXX Phone call XX/XX/2018 @ XXXX from phone number XXXX Phone call XX/XX/2018 @ XXXX from phone number XXXX Phone call @ XX/XX/2018 @ XXXX from phone number XXXX Federal law ( FDCPA ) requires them to send me a letter ( US MAIL ONLY ) postmarked within 5 days of their first contact that contains their name, physical address, the creditors name, and the amount of the alleged debt. It also must contains mini-Miranda telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified. 

I have received zero written notices regarding any outstanding debts however this company has called me constantly for at least a year. I have tried blocking their phone numbers, they keep changing phone numbers and calling me over and over again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed this collection account with XXXX and Experian twice. I have also sent via certified mail documentation from the company that is/was reporting the account stating they ( XXXX XXXX ) request that the account is removed from my credit file. To date XXXX and Experian are still reporting this inaccurate information and refuses to remove the account from my credit files. This collection account does not belong to me. I have spoken to representatives yesterday at both XXXX and Experian ( X/XX/2017 ) and I was told both times the account will not be removed. There is no reason for this account to be on my report and this is a violation of my consumer rights.

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 2020-07-06
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello! 

From my understanding when a mortgage loan reaches 78 % of the value of the original purchasing price, the mortgage service is required to remove the PMI. I have reached out to me mortgage company ( Freedom Mortgage ) and then stated that I need to have a written request as well as an appraisal. My understanding was that none of this is needed once the loan reaches 78 %, that that information is if you are requesting PMI waiver at 80 %. 

Please let me know if they are wrong or if I am wrong. 

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 2017-09-14
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: Reporting company used your report improperly

Complaint:
Equifax set the username and password to their server in XXXX XXXX as " admin '' and " admin '', got hacked, and now all of my personal information ( name, date, SS # ) has been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted this creditor to resolve the matter they have denied every request that I had made to them. I am tired of going back and forth with them. They have even contact other references in regards to this debt. I want a verification with my signature stating that I owe this debt and they have failed to also provide that. They harass me on a daily in pursuing to collect on a debt that hasn't even been verified. I want this issue resolved and a complete investigation on this because it is unheard of for a company to do this and it is affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation