BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
About week ago I received promotional e-mail from Bank of America on my personal e-mail address, where they offered no-annual-fee Business Advantage Cash Rewards Mastercard credit card. 
In addition to term and condition, it stated that " This is a promotional email from Bank of America ''. 
Today I have got new email from Bank of America : Thank you for your interest in our business credit card We cant approve your request for an unsecured account at this time. However, we have another option wed like to share with you. We can reconsider your application for a business credit card account if you secure it with a Bank of America Certificate of Deposit ( CD ). To take advantage of this offer Youll need to establish a CD in the amount of the credit line you want. We require a minimum of {$1500.00} with a 12-month duration. You can do so by : Visiting a nearby financial center, or Calling our Small Business Specialty Sales associates at XXXX, Monday through Friday, XXXX XXXX to XXXX XXXX Eastern. 

As per my understanding, Bank of America misleading customers and push their business on shoulder of regular people. 

I consider their action at least as violation of privacy and creating negative effect on people credit history. Promotion e-mail or mail have to be send to preapproved people.

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 2021-04-30
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My Wells Fargo account was closed with XXXX in it. Because I received my ppp loan itnto my account. 
Still have no received my funds from closed 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 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: Moxley & Associates, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was contacted by Moxley and Associates in Alabama about a credit card debt that I owed. I worked out a payment arrangement to pay the debt in full over 24 months. The first payment was in XX/XX/XXXX with the payoff to be XX/XX/XXXX. I made 2 payments in XX/XX/XXXX and 2 payments in XX/XX/XXXX. This put me ahead of the original payout date. I missed my XX/XX/XXXX payment but I was 2 months ahead of schedule so I did not think twice about it. XX/XX/XXXX I went to the website like always and submitted my payoff payment for {$440.00}. On XX/XX/XXXX I had a hold placed on my savings for the amount of {$470.00} and a $ XXXX.fee charged for garnishment. What???? I called them and the guy told me that because I didn't pay my XX/XX/XXXX payment they garnished my account. He told me that he saw where I had made the payment online for {$440.00}. but that I still owed {$31.00} that was the remaining balance even though in the beginning it had been equal installments. He demanded I pay the amount using a debit card online if I wanted the garnishment released. I did pay the {$31.00} but I still have a hold in the amount {$470.00} and a loss of {$100.00}. for a garnishment fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: EQUIFAX, INC.
State: MI
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 unauthorized inquires on my credit report, i have disputed these accounts with the company themselves and they have no knowledge of such inquires. The below listed inquires are unauthorized and need to be removed. 

XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is not my debt and the documentation provided does not at all validate the amount they are attempting to collect from me. I received a letter from Portfolio Recovery Associates claiming that I owe a debt associated with this account they claim is mine. In response, I promptly mailed PRA a letter requesting XXXX debt validation. I never received response from PRA in response to my XXXX request, or did they respond to requests regarding other debts they claim I owe. In researching this company, it seems to be a common complaint that debt validation requests are not responded to. Despite not responding to my timely debt validation request, they continued to make collection efforts, including reporting this non-validated debt to all three credit bureaus, which they are not allowed to do without proper validation/response to my timely XXXX request. I recently disputed this with XXXX. In response, PRA responded to them with their claim that this debt is valid. They then mailed me a statement they claim is from this account from XX/XX/2016, which has a dramatically different amount than what they are claiming that I owe, the amount on the statement is {$110.00} yet PRA is reporting {$470.00} and there is no explanation let alone proof as to the accuracy of that amount or their collection authority over this account, or a cardholder agreement, etc. i do not have this account on my credit report, so I believe the original creditor does not feel I owe this delinquent debt. It is my further understanding that both CFPB and the DFPI have investigated and filed lawsuits due to this company attempting to collect invalid, inaccurate debts, and sometimes fraudulent debts. To be clear, I am not acknowledging that this debt is mine, I am simply asking for assistance in getting this invalid inaccurate account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 requested covid-19 assistance from my mortgage company since I am a XXXX XXXX and was experiencing a significant reduction of hours. I am now on a 3 month unpaid leave. They were able to give me a 3 month forbearance. However, 2 days after they reported to the credit bureau I was notified that my score had decreased by over 70 points. I requested a copy of my credit report and while my payment status was reported as current, I had a negative remark of FOR indicating forbearance. This was the only change on my report. I notified my mortgage company since the Cares Act specifies there should be no negative impact to credit scores resulting from utilizing these provisions intended to help those impacted. I have not had any response from them thus far.

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 2021-08-19
Company: EQUIFAX, INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
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:
Experian is not fair and doesnt do any investigation, they believe the big company without any evidence, XXXX XXXX XXXX  is trying to collect a debt and doesnt belongs to me they dont have any personal information about me, no social security number, no date of birth and no signature and the big deal here is that I disputed the wrong information with experian and experian damage my credit leaving this wrong information in my credit report, experian is wrongly giving the right to the big companies and is pushing down hard working people I think experian is doing fraudulent activity because they dont do any investigation and leave information that already was disputed and deleted, this account was already disputed before with a different collection agency many times I will upload last dispute and results ( XXXX and XXXX is the same ) please fix

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 2021-08-19
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I requested TransferWise Ltd a wire transfer of USD XXXX from my Wise USD account to my bank account. After being on hold for nearly 10 business days, it was cancelled on XX/XX/XXXX without further explanation. 

I contacted TransferWise Support during the following days by phone and chat and they could not indicate the reason for the cancellation. 

On XX/XX/XXXX I exchanged XXXX USD from my TransferWise balance into XXXX GBP for which TransferWise charged me the related fees. Assuming there were no issues with my account, I requested two new wire transfers : Date : XX/XX/2021 Amount : GBP XXXX Date : XX/XX/2021 Amount : USD XXXX Again, both transactions were blocked by TransferWise without any explanation. TransferWise support told me to wait up to 10 business days to see if the money was released and on XX/XX/XXXX my account was suspended which prevents me to recover the remaining balance in my account. 

Due to the suspension of the account, I can not log into the app anymore or make any kind of complaint through phone or chat. 

Currently, my Wise account has a remaining balance of : USD XXXX GBP XXXX which I need to recover. I wrote to the Wise Appeals at XXXX requesting a refund and providing my bank details but I can not get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Paypal is holding my money without reason and the other is because they said I can not confirm the identity but that does not make sense because they have my ID and banking details and when I try to give them another additional ID or billing statement it routes me to a blank page. 

One of my accounts XXXX I can not withdraw the money because they said I can not confirm the identity but that does not make sense because they have my ID and banking details and when I try to give them other additional ID or billing statement it routes me to a blank page. So how do you want me to give you those details if your platform does not allow me to give you the details. I've talked to different representatives before and they didn't help me at all. 

My other account, XXXX they put the money on hold. I am a XXXX and they are holding all my funds without any valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original creditor : XXXX XXXX XXXX Account number # XXXX amounts # XXXX This account is not my responsibility, it is the responsibility of the medical insurance at that time, I demand that it be investigated, corrected by the 3 credit agencies to be eliminated ... Immediately I hope that it will be collaborative since I am due to the worldwide medical situation. it is affecting the possibilities of being able to be emotionally at peace please ask for your collaboration ....

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 2020-08-19
Company: EQUIFAX, INC.
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 have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this alone. Please take these unknown items off my report 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
In 2018 i spoke to a Wells Fargo representative about a payment that was not due at the time.I told the representative that due to being out of the country i could not make the payment until i was back to the united states.Wells Fargo states to me that if the payment goes over 30 days they will not report anything onto my credit.I have been a customer for wells Fargo for years and never experience this type of treatment i am a customer that does not miss payments.I have wrote wells Fargo multiple times and no reply regrading this.This is not good customer service that you are offering your customers.This should not be reported onto my credit.Very disappointed in your services.

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 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi and how are you doing?

Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2021-08-19
Company: RIA FINANCIAL
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On the XXXX of XX/XX/2021, I made an international transfer of {$200.00} from Ria Money Transfer to XXXX XXXX. I received a message that the recipient has the money but the recipient did not receive any money so I called Ria to inform them. They told me they will contact the recipient bank and call me in one to three business days. So I did not hear from them as they promised so I called them again, they told me they have not heard from the recipient bank so I should give them another one to seven business days. Seven business days passed but no action was made so I called them for the third time, they told me to wait for another one to ten business days and it has passed I have not heard from them, my recipient still doesn't have the money, they have not refunded the money either. So I want them to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 13th attempt to notify that I am a victim of identity theft and I sent a complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of these items in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) these unknown Items listed must be deleted : XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$77.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry Date 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 2021-08-19
Company: Professional Debt Mediation, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Professional debt management vompany is trying to collect debt which i dont owe, as during covid i was not even able to pay my rent so inhad to move out of my appartment buipding and i had to pay last month rent. And i agreed to it and they agreed too, an dsuddenly now they want to collect 3 months rent, its against the situation, i dont even have a jon, how i can pay that much, this is killing me. They have threatened me that i will not be able to rent or buy a house whole my life, they will ruin my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Io, 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:
I mailed a written request to this company asking for further verification of the alleged debt they are reporting on my credit history. It has been almost 6 months since I submitted this request and I have not heard back from them. This is a direct violation of my consumer rights in accordance to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Bread Financial Holdings, Inc.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company has called me, my husband and our relatives about several accounts between my husband and I. They told my father in law that he's XXXX father of the year because he told them to stop calling. They are giving out personal information about the debts to my cousin. We also disputed with XXXX XXXX XXXX but no one responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: EQUIFAX, INC.
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 am a victim of identity theft and a couple of fraudulent accounts have plagued my credit reports and I've made several attempts to have them removed, but to no avail : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation