BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2022 Confirmed order for XXXX  in he amount t of {$6700.00} from XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX also promised the XXXX would be installed within 10 to 11 weeks ... no exceptions XX/XX/2022 XXXX called for my debit card number to pay the deposit of {$3300.00} XX/XX/2022 XXXX notified me that no windows were received as of that date XX/XX/2022 I asked for an update on the XXXX, XXXX stated they should be shipped shortly XX/XX/2022 I stated that was not an answer, XXXX emailed the manufacturer, said if no no definite date I could cancel. 
XX/XX/2022 XXXX stated he would get back to me by XXXX, he didn't XX/XX/2022 I asked to cancel the order, no answer XX/XX/2022 I asked to cancel again XX/XX/2022 XXXX sent me a screenshot of text from the manufacturer stating the XXXX were in manufacturing pre load which means they were not even made at this point. I have the screen shot. He also thought it was funny joking around about he order. Again, I have the entire communication in text format. 
XX/XX/2022 I asked for a refund again. 
XX/XX/2022 XXXX stated the lead time was 8-10 weeks which had already passed. He still wanted to do the job. I said no. I asked for a refund twice more XX/XX/2022 I advised XXXX that XXXX filed a dispute with Bank of America XX/XX/2022 XXXX replied that he could not refund me because he already spent the money on the XXXX and it was too late in the process. 

I was under the impression that Bank of America would process my claim as expeditiously as possible. I understood that the merchant has the opportunity to refute the claim within 45 days, which they did by sending a photo of a box with XXXX in it. As far as I know, they weren't the windows I ordered and I cancelled before they were made anyway. 

I called Bank of America many, many times speaking to agents and supervisors only to hear very different excuses. The merchant ( XXXX XXXX ) stopped responding. They kept saying they are researching the claim and there is no time limit on the process! They also said at one point that the Bank of America XXXX is who is researching the claim and makes the decision whether I would be refunded or not. Well, this organization doesn't exist as far as I can tell.

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 2017-09-11
Company: PLAZA HOME MORTGAGE, INC.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I made an on-line payment to Plaza Home Mortgage as an additional principal payment to my mortgage with a posting date of XX/XX/XXXX. On XX/XX/XXXX, I decided to cancel the payment. I attempted to cancel via the website but was unable. I called customer service and the agent stated that he was unable to cancel the payment as there is only a four hour window where I was able to cancel. 

In the past I had previous poor experiences with Plaza including, but not limited to, providing incorrect addresses for insurance billing which nearly resulted in my insurance being cancelled and not properly filing copies of my insurance which resulted in Plaza threatening to initiate a policy of their choosing, despite the fact that four copies of my insurance were previously provided. In my previous complaint, Plaza took no responsibility for their errors and even made hints that the problems were my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I dont understand why Marcus  by Goldman Sachs bank USA doesnt offer us checking accounts only savings when they claim to be a bank its ridiculous they should add checking to their portfolio and offer more products

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: AMERICAN EXPRESS COMPANY
State: OR
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:
I am trying to use my companion pass with XXXX XXXX earned through my Amex XXXX XXXX XXXX and book my ticket by the expiration date. On the front of the companion pass, it says must redeem by XX/XX/23. I was not able to use the pass to book my travel today for XXXX and I am doing it by the expiration date. I called XXXX and they told me that I have to book and travel before the expiration date. They told me it was in the terms and conditions ; the curtains and conditions are only available after clicking through a couple more pages. They do not make it clear anywhere except in the fine print ; on the main page, they only say that you have to redeem it by a certain date. They also told me that they cant do anything and that American Express handles those passes. I called American Express, and they told me that XXXX handles the passes. After some back-and-forth, I got stuck with American Express. They admitted to me that it is confusing that the pass says must redeem by and doesnt clarify that you have to travel by that date ; it makes sense that an ordinary consumer would think that redeeming means booking and using the pass for the purchase. XXXX also admitted to me that if Ive ever had an XXXX in the past ( which I have ) that those work in the way that you have to book the travel within one year but you dont have to do the travel within one year. So they have another product that works the other way and one that works this deceptive way. My companion pass expires today and I wanted to book travel. Now they are telling me I have to wait up to 60 days for a response. My ticket price can go up by that point and I will lose out on getting a fare today. It is unfair and deceptive that they tell you you have to redeem the pass by a certain date, but what they really mean is you have to travel by that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
See letters sent, need personal info updated, and accounts with clear violations

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 2023-08-01
Company: EQUIFAX, INC.
State: FL
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 company XXXX keeps reporting this medical bill which does not belong to me and they refuse to show proof that the debt belongs to me or was incurred by me. I have made multiple attempts at getting in contact with them and getting something from them in writing to no avail. They are hurting my credit report and score and keeping me from being able to grow my business because of this inaccurate account. I have sent them a letter requesting debt validation SEVERAL times with no response. Then I sent a failure to respond letter and still nothing. Please assist me in getting them to remove this account off of my credit report thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Williams & Fudge, Inc
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have requested for proof of licensing to collect in the state of Colorado. In the state of Colorado by law debt collectors must have a license to be able to collect in the state. This entity has no license in the state of Colorado to collect a debt which is illegal. They have provided a license number however, I am un able to verify their license with the State of Colorado. Their license number is not showing up on the state records. 
License Number XXXX. Please send the state agency issuing license address and phone number to closely verify your license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft and someone tried to open several accounts online in my name. I have inquiries on Transunion and XXXX that these companies refuse to remove. I have attempted to contact the businesses, but additional help is needed. I was able to contact XXXX and had them remove all inquiries i didnt make.

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 2022-10-06
Company: EQUIFAX, INC.
State: FL
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 wanted to dispute these because of this and it was affecting my credit report.I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Someone was buying a XXXX from me for {$270.00}. The person who wanted to buy the item sent a check in the mail for an allotted amount of {$1900.00}. The person said his assistant accidentally wrote wrong $ amount on check. I didn't think anything of it, people make mistakes. I deposited the check into my US bank account ATM on XX/XX/21, waited till it got cleared three days later on XX/XX/21. The check went through, it got cleared, the full amount of {$1900.00} was in my account. I took {$270.00} out of the ATM which was my fee for the XXXX & sent the remaining {$1600.00} through my banks application XXXX back to the person who wanted to buy the XXXX because I'm not going to keep someone's money. Three days later on the XXXX I received a letter from my bank with a returned check statement saying the reason the check was returned was because it was forged/forgery. The bank took the {$1900.00} from my account an added {$90.00} overdraft fees to make my account go negative $ XXXX. I reported it to the US bank fraud liaison department as well as made a police report case # XXXX with the XXXX XXXX police department. The fraud agency said they'll look into it an get back to me regarding the investigation. Today, on XX/XX/21 I received a letter from my bank saying they can't help me for a claim because the transaction of {$1600.00} went through. Im the victim and the bank is trying to get me to pay the full {$2000.00} or else it'll go to collections. How am I supposed to know the check was forged? Even after my bank cleared it ; the money was there so it was legit to me. The person who received the money through XXXX  information is XXXX His name is XXXX XXXX. 
Please help! I just got XXXX, I have no job. I can not nor am I able to pay the full allotted amount that my account is negative of {$2000.00}

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 2023-08-01
Company: United PanAm Financial Corp.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My name is XXXX XXXX and I have a car loan through United Auto Credit. My Consumer right according to XXXX Harassing, oppressive, or abusive conduct, ar being severely violated. United Auto credit has been harassing me for months now and calling me everyday. They are using auto dialers in which I am told that the system can not be adjusted or altered by any employee. I am getting calls multiple times a day and I have repeated myself time and time again to tell them not to call me at while I am at work and have specified on numerous occasions the time that are best to call me which are after XXXX when my shift ends but they still call and call. They are calling from multiple numbers trying to trick me into answering. Agents also call making it seem like they know me by addressing me by my first name. I am XXXX  and this is very stressful and damaging by they way they are treating me. I have asked to be contacted by mail but that didn't work. They are using electronics to collect debts but I have rights and what they are doing is unfair treatment to me and causing me extreme stress to the point I have been on the phone going back and fourth with agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, charges were made on my Capital One SavorOne World Elite Mastercard credit card account ending in XXXX in the following amounts by a company called XXXX  : {$58.00}, {$190.00}, {$750.00} and {$480.00}. I did not have anything to do with these charges. The fraud also occurred simultaneously on another credit card of mine and on my debit card. The company name changed once it processed on the credit card statement to XXXX XXXX XXXX for the {$58.00} charge and XXXX XXXX XXXX XXXX XXXX for the other three charges. 

The morning of XX/XX/2022, XXXX from Capital One Fraud Department telephoned me to inquire if I was aware of these charges. I told her I was not aware and she immediately confirmed she would put a restriction on the credit card to investigate these charges. The case number is : XXXX. 

After complaining by telephone to Capital One 's fraud department that I didn't think they should ask for an image of my social security card as part of the fraud claim, I gave up and on XX/XX/2022, I uploaded images of all the documentation Capital One required, using Capital One 's link they emailed me. I had to send them my Driver 's License, Social Security card, and proof of residency. 

I have telephoned Capital One nearly every week since this fraud occurred and each time the representative asks for the documents again. Each time I remind them I've sent the documents twice already, to which they reply I will hear from them between 7-10 working days. It has been over a month since I asked Capital One to remove these fraudulent charges. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15
Company: MRS BPO, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit score dropped because I apparently have an account with them when I dont. I also found out they are located in NJ when I live in MI. I saw this during the winter season of 2022 because thats when my credit score dropped and started receiving messages and its also on my bank account in category that shows me who I owe money to.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-04
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to 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 2021-11-04
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received website online " pop up ad '' promising to remove harmful personal content on the internet. XXXX XXXX XXXX was the internet " pop-up advertising. The pop-up generated an account XXXX that stated " XXXX XXXX XXXXXXXX, " will have earned its fee only upon a successful removal. '' XXXX practices deceptive online marketing practices there was absolutely no services of any kind rendered to the " USA Citizen Voting Consumer. '' There are three levels of corporations to make this online business potentially more predatory to XXXX searching consumers. First, Corporation : XXXX XXXX XXXX is an International Corporation operating outside the federal jurisdiction of the USA. XXXX XXXX XXXX, or XXXX ( XXXX ), is located at XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX. The Corporation, contracted by ( XXXX ) XXXX operating a minimum wage contracted " boiler room telemarketing center, '' calling themselves XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Third, Corporation is a high-pressure debt collection firm named Transworld System Inc XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: EQUIFAX, INC.
State: VA
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, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # 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.

Company response to consumer: Closed with explanation