BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Electronic Fund Transfer Act ( EFTA ), Regulation E. On XX/XX/2021, I was caught up in a check fraud scam and I was scammed out of {$4000.00} total from my checkings account. The check was written to me by the scammer and sent via XXXX, who had added me on XX/XX/2021, explaining how they wanted to take care of me financially, with the check bank being " XXXX XXXX XXXXXXXX '' with a total of {$4700.00} and I was told that {$700.00} would be compensation for doing menial tasks of transferring the majority of the money to the designated accounts instructed. The check was deposited by me on XX/XX/2021, and since {$400.00} was immediately present in my account I was under the impression that the check was legitimate. I discovered that the check was fake only after the money had been transferred because of how persistent and aggressive the scammer was. {$3400.00} was scammed from me via XXXX with four transactions : 1 transaction being {$400.00} on XX/XX/2021, and 3 transactions being {$1000.00} each on XX/XX/2021. The other {$600.00} was scammed from me via XXXX on XX/XX/2021 ; this was only one transaction. On XX/XX/2021, I made a claim with Wells Fargo about the scam in an attempt to obtain my money back. The XXXX claim for {$3400.00} was made on XX/XX/2021, but I was instructed by a Wells Fargo representative to make another claim for XXXX since the transaction was not complete on my statement record until XX/XX/2021. On XX/XX/2021, XXXX was also contacted about the scam and my XXXX account was frozen. On XX/XX/2021, a claim for {$600.00} was made. On XX/XX/2021, I made a claim with " CFPB '' to ensure that I would get my lump sum back. On XX/XX/2021, my " CFPB '' complaint was closed since Wells Fargo responded. On XX/XX/2021, {$600.00} was returned to my account. On XX/XX/2021, I was called to ask the status of these two claims since I was never provided an update : the XXXX claim was deemed to be non-refundable since the transaction was made by me and not by someone else through hacking ; On XX/XX/2021, I was met with the same response meaning Wells Fargo is not complying with Regulation E of the Electronic Fund Transfer Act and only contacted the scammer to get the money refunded rather than reimbursing me. I believe I am still owed my lump sum back because of the " Electronic Fund Transfer Act ( EFTA ) specifically Regulation E '' since I was convinced thinking that this was a legitimate interaction and was " promised '' a specific amount, but in reality, none of it was true. I would just like the remaining {$3400.00} provided back to me since it is such a large amount to me. My occurrence is similar to XXXX XXXX 's occurrence yet she was provided her money back but I was not.

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 2020-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Back in XX/XX/2020, i get a notification that i have. past due bill under my credit report. I have no idea where it is coming from or how much as i stay on top of all of my cards and what i owe. I pay everything on time and it is very important to me to keep a good credit score. 

This late payment is marking my credit history negative in a time where i need a good credit score the most. 

I call Bank of America and they couldnt help me. They did waive late fees or remove the balance. It was for {$12.00} and i paid it, but i asked if they could remove late fees because i had no idea this was charged or was even due and was running late. They said no. I asked if they could block the merchant that is charging the card. They said no i had to figure out who it was and ask them to stop charging the card. I never use this card ever.

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 2020-04-22
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was 2 months behind on my car payment due to a shutdown of my. Job related to Coronavirus. 
When I received my Stimulus Check, it was used to pay my missed car payments. 
I have emailed Santander Bank numerous times asking for a lower interest rate and lower payment amount, Well Santander reported me to Credit Bureau and stated I was 30 to 60 days late. 
I have paid my car on time of {$330.00} per month for 3 years and the remaining balance I owe now of {$4000.00} is interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
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: Account information incorrect

Complaint:
There were four Dispute letters sent to each Credit bureau. All credit bureaus investigated a collection account on my report for {$3700.00} that is not mine and does not have a legal sign contract stating that it's my account. XXXX XXXX found the collection account is unverified and the account was closed on the XXXX XX/XX/2019 as seen on attachment. Then on XX/XX/2019, it was put back on my report. Equifax and XXXX fail to do their investigation correctly after all four disputes sent. The first Dispute letter was sent out on XX/XX/2019, Second, XX/XX/2019, Third, XX/XX/2019, and XX/XX/2019. I also sent out validation letters to the collection agency and they failed to prove that the account is mine with no proof of a signed contract nor other information that was asked according to the federal Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Short sale and Foreclosure conflicts - in early XXXX 2015, I spoke with XXXX XXXX or another bank individual regarding my home loan. I requested to go forward with short sale proceedings. While I was informed by the bank that the loan was in foreclosure, no action had been taken. Well, over the weekend I received a notification from XXXX XXXX. XXXX in XXXX, VA and learned that my loan was referred to their offices on XXXX XXXX, 2015 for foreclosure. The letter from the attorney also states by law I am not allowed to stay in the property unless conditions are met. It is evident Bank of America - did not cancel the foreclosure proceedings once I agreed to a short sale. 
An appraiser came to my home in early XXXX 2015 for what I thought was a part of the short sale process - now I believe it was ordered by the bank for foreclosure. Since my request to go forward with a short sale - I have had XXXX different Customer Service Relation Managers : XXXX XXXX, XXXX XXXX, and now XXXX XXXX, however, the call goes straight to voicemail. She sent me emails with information that is no longer valid ( see enclosed ). When I was finally able to log into the short sale system - she had already declined my request. Much of the documentation in the welcome package requires information regarding a realtor. It was not until last week, that I was able to obtain any interested realtors as this is not their first choice of home selling. I am requesting that I be allowed to short sale my home for financial and creditworthy purposes - that Bank of America cancel the foreclosure proceedings, and keep me constant with one Customer Relationship Manager.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT
Product: Credit card
Issue: Billing statement

Complaint:
Bank of America XXXX BA ) lied regarding interest charges. The contract on promotional balance transfers clearly states that any payment above the minimum payment is applied to the highest/older interest balances. This was also repeated verbally by BA representatives upon an additional balance transfer on XXXX/XXXX/15. We paid off the older balance of {$5000.00} before the promotional expiration date of XXXX 2015, but BA started charging interest unjustifiable. After complaining each and every month of this, each representative told us that this was a computer glitch, that we were not the only customers affected by this, and that the glitch was going to be fixed by XXXX/XXXX/15, and all interest charges would be reversed. Upon calling today, XXXX/XXXX/15, to verify that the glitch was solved, the BA representative told me that there was no glitch, and that I owed interest from the previous balance, which has been paid in full which can be verified through my bank 's records. I have closed this BA account, I am in the process of transferring the full balance somewhere else, with the exception of the interest charges that I am hereby disputing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-22
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX XXXXXXXX, Potentially Negative Item in Experian Credit Report XXXX XXXX XXXX Secured Credit Number Last four Ending XXXX / Last for SSN XXXX Thank you for taking the time to read this letter. Im writing because I noticed that my most recent Experian credit report contains Potentially Negative item reported for my XXXX XXXX XXXX Secured Credit card account. ( Refer attachment Experian credit report number XXXX ) I want you to know that I understand my financial obligations and Id have an excellent repayment record. Above account paid in full and closed. 

Im planning to apply for a mortgage and its come to my attention that the Negative Item on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the Potentially Negative item on Experian credit file. 

Thank you for your consideration, and I hope youll approve my request. 


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 2022-05-04
Company: EQUIFAX, INC.
State: CA
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 REPORTER ACT XXXX ACCOUNT NUMBER TD BANK XXXX CREDIT 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 I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following account listed below is still reporting on my Credit Reports and need to fix immediately : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-02
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2021-07-21
Company: First Credit Services Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : 1ST CRD SRVC Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$140.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I bought a water softener and they used Castle Credit to finance it. On my contract with the water softer company there is no terms, interest rate, or amount of the monthly payments. Soon after we started getting phone calls from them and they wanted {$80.00} every 2 weeks for 60 months. We have paid them for the last 4 years. I had some money to pay it off and so I called them asking them to show me what I owed. They said I have only been paying half them time, so I asked to send me proof and they won't. They refuse to show me what I have paid and want XXXX on a XXXX water softer. I just want proof. They put it on my credit reports and won't stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America is notorious for re-ordering transactions to drive up overdraft fees. 
I made a transaction on Tuesday evening ( XXXX XXXX ) at a restaurant for roughly {$10.00}. Dropping my balance to {$57.00}. The next day I woke up, my account was negative {$170.00} dollars. They re-ordered a {$150.00} charge to the beginning of the month causing my account to overdraft XXXX times ( {$100.00} ). Bank of America has a policy that if your bank goes into the negative, you have until the end of business to get it back positive before they charge you an overdraft fee. My account should have been negative roughly {$100.00}, in which I would have transferred the money over. They refused to remove the overdraft charges when I had called. This is a predatory practice. Had the bank not done this, I would not have been charged ANY overdraft fees. Instead, they used predatory practices to take {$100.00} dollars from me. 

This practice should be illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-21
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2020 Paypal called me regarding a limited restriction hold they had on my account. They assumed money transfers were payments for items or services. I informed them that this was not the case. They questioned me about who was sending me payments. There was only two different accounts that transferred money to my account. I have had this Paypal account for over 10 years with no issues. To some up this situation Paypal has permanently closed my account with a balance of XXXX due to " suspicion '' of fraud. I am now unable to get access to my money for 180 days and this money is needed to pay bills in this current pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-22
Company: EQUIFAX, INC.
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am a victim of fraud. XXXX, and XXXX took the last collection off my report which was a {$320.00} from A collection agency. However, Equifax refuses to take it off. When I called them on XX/XX/2019 they put me through all these cks to verify my identity when I get to a live person they hang up on me. I tried to call back several times and they are unreachable. I checked my Equifax score today XXXX XX/XX/2019 my score dropped 34 points they refuse to help me and tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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: Their investigation did not fix an error on your report

Complaint:
I have items in my report that I have disputed and it has not been removed I have a bankruptcy that is reporting inaccurate dates and has been remove from 2 bureaus but not the other this is feet frustrating and I need help dont understand why items that can not be explained are on my 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 non-monetary relief