BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: BMO HARRIS BANK 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: Didn't receive advertised or promotional terms

Complaint:
In beginning of XXXX this year ( XXXX ) I opened credit card account with this bank. As a promotion this company promised to pay {$200.00} after spending {$2000.00} within first three months ( see attachment ). I did it, but never got this money. I called them three times in different time, and every time they give me different info about when I will get my {$200.00} reward. I see that this company practice fraudulent business and lying to their clients. Please set an investigation of this business and help me to gen my money according agreement. Me card number is 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 2022-12-06
Company: Experian Information Solutions Inc.
State: MD
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 been a victim of identity thief and there has been fraudulent accounts placed on my credit report.that i need removed i have attached all the accounts and all the reports made about this complaint

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 2022-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2022 an incoming wire for {$33000.00} was sent to our company 's ( XXXX XXXX ) checking account. As of XX/XX/2022, the incoming wire has not reflected on our bank account yet, we contacted Bank of America in regards to the transaction, the institution is holding the money with no specific reason and/or no turnaround time as to when these funds will be release, every time we call in, they do not say the reason why the funds are being held or give us any information whatsoever to why the funds are on hold. This is causing us to be late on payable transactions from our company and due to this money being held, payments due are accruing late fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was with nationstar mortgage company beginning in XXXX. In XXXX we took out a loan that was supposed to be put onto our mortgage. XXXX nationstar turned into Mr. Cooper and there was a loan modification. Fast forward to XXXX, we got a letter on our front door saying our house was foreclosed on and sold at an auction. Never once were we notified of this. The company we took the loan out from, XXXX XXXX, said we didnt pay on our loan. Which was supposed to be added onto our mortgage. Mr. Cooper will not answer our questions at all and weve lost our house due to something they did. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Stellantis Financial Services US Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Good day sir/maam. 
Please pay close attention to dates, time stamp because I will be attaching some documents. 
XX/XX/XXXX I bought XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. 
Few weeks later the car stopped me on a XXXX and I towed it back to the dealership. 
They did the first repair at XXXX XXXX XXXX, on XX/XX/XXXX I pick up the car, on my way home on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The following day, the car was towed back to the dealership. 
XX/XX/XXXX I kindly requested for a change of car or they can keep there car. 
XXXX XXXX XXXX XXXXXXXX employer advised me to do a voluntary repossession. 
later that, day I spoke to the XXXX XXXX on the phone, to please exchange the car or keep it, he told me to come back to the office. 
I went back to their office the following day and he got a {$16000.00} car, {$3000.00} down payment, almost $ 700 monthly payment for a XXXX XXXX plus mileage car. 
I respectfully declined. 
He said if I dont want that, another option would be for him to fix the car ( XXXX XXXX ) It took 1 months plus to get the car fixed and I was still making the car payments. 
Let me add this, I called, texted, wrote mails to stellantis financial services, to informed them about the situation. 
XX/XX/XXXX I pick up the car. 
The XXXX assured me everything was great and running smoothly. 
XX/XX/XXXX XXXX the car stopped me for the XXXX time on XXXX XXXX. 
XXXXXXXX XXXX I towed the car back to the dealership. 
XXXX what I have been going through all these months, Dealing with a company that sold junk car to me and theyre fully aware. 
I pay XXXX to this place when the invite me to the office, pretending to help but never did. 
I payed for tow out of pocket. 
The cancel the warranty I had on the car. 
They just want me to react or be rude to them so they can call me XXXX XXXX XXXX etc. 
But I still maintain the peace. 
Please CFPB help me! 
Let me also add that I bought ( XXXX ) cars from this establishment. XXXX, XXXXXXXX XXXX  and didnt complain about the cars because theyre okay, just some cosmetic repairs here and there. 
The XXXX has been the problem from the beginning.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions 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 writing to dispute the accuracy and completeness of the information contained in my credit report maintained by your agency. I have recently obtained a copy of my credit report, and upon review, I have identified several discrepancies and incomplete data that require immediate attention. ( See Attached )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions 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 writing to dispute the accuracy and completeness of the information contained in my credit report maintained by your agency. I have recently obtained a copy of my credit report, and upon review, I have identified several discrepancies and incomplete data that require immediate attention. ( See Attached )

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 2022-12-06
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/22 my bank notified me that PayPal had a XXXX transaction of {$2900.00} that was going to be transferred. I called PayPal and a representative got on the phone to assist me with the fraud. He asked to take over my computer to do so. He then accessed our log in information to log into my bank, transferred {$7000.00} from our savings account to our checking account. From there, he opened a XXXX account and transferred {$1800.00} to an XXXX XXXX  XXXX from our checking account. When I looked at our bank 's app and saw this, I hung up and called our bank to file fraud. My bank stated that XXXX verified my identity using my name, address, email, phone number, date of birth, and SSN through XXXX. They also verified he swiped my debit card which was verified by XXXX  via XXXX on XX/XX/22. I called XXXX the next day and was told by their fraud department that my identity was used for the {$1800.00} transaction, and it's not refundable. My husband called PayPal on XX/XX/22 to close the account but was told it needed to remain open for 30 days for investigation into the over XXXX plus transactions. Our PayPal login was changed, so I recovered our account and set up a new password on XX/XX/22. I noticed that not only our checking account was listed on our PayPal account, but also our savings and XXXX XXXX  XXXX  numbers the fraudster got off our bank 's log in. On XX/XX/22, I deleted all of our accounts from PayPal, and I've called PayPal multiple times to close the account, but it's still open and we're receiving emails from PayPal and XXXX. I filed a police report XX/XX/22 and followed up on XX/XX/22, we have done credit freezes and watches on XX/XX/22, purchased a new hard drive on XX/XX/22, changed passwords, purchased XXXX XXXX on XX/XX/22, and I've filed an Identity Theft Report on FTC 's website on XX/XX/22 and updated on XX/XX/22. On XX/XX/22, I wasn't able to log in my bank account, so I had to recover my account and change the username, password, PIN, and security questions. We've filed 3 appeals to our bank to be reimbursed but have been unsuccessful since XXXX stated, " the listed transactions are not fraudulent. '' I've written PayPal and XXXX to close the accounts, and from XXXX to be reimbursed the {$1800.00}, but they submitted a letter to my bank saying, " The customer claims she did not authorize this transaction ; however, we were able to verify the customer 's information to prove her participation in the disputed transaction. '' PayPal has responded to report email scams to them but overlooked the XXXX plus fraudulent transactions and neglected to close our account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
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: Was not notified of investigation status or results

Complaint:
My mortgage company has been reporting late pays to the credit bureaus for several months now. I have tried contacting them directly to have the issue resolved with no help. I have disputed it with the credit bureaus only to have them put the late pay for the current month. I have submitted a Respa Notice of Error Request to address the issue of missing and incorrect payments being reported to the credit bureaus by the mortgage lender on XX/XX/2022. I have never received anything from my mortgage lender. It is screwing with my credit score and loans that I had to take out were priced significantly higher because of this error or denied completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Payday America 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 Accounts Acct # 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 In accordance with the Fair Credit Reporting act 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 Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Ask my identity and address said I owed some ridiculous amount of money for a modem from my internet provider that I returned in the first place. I finally got the wrongful charge taken off of my credit report and even XXXX the internet provider called me and confirmed that I returned the router.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: NC
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:
Experian XXXX XXXX  Important dates Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Bank Credit Cards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
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: Account information incorrect

Complaint:
Experian continues to report incorrect and illegal information on my consumer report. I have been trying to get this information corrected and they refuse to make the corrections. I have again sent a certified letter to Experian with Exhibits highlighting the personal information and the accounts that are all reflecting incorrect reporting. They have been tarnishing my reputation and hindering me and my credit worthiness. This false reporting has been causing me undue hardship as I have not been able to successfully obtain a vehicle and affordable domicile. It is their grave responsibility by law to report correct information on a consumer 's report and also do their due diligence in verifying the information that is being reported to them from creditors before even reporting anything on a consumer 's report. Had this been done, most of these accounts would not have been reported to being with. There are multiple accounts that are have inconsistent information being reported across all 3 credit reporting agencies including personal info, account numbers, open date, closed dates, amount owed, payment history. I have attached the documents to this complaint that have been notarized and certified mailed to Experian.

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 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
There is an erroneous account showing on my credit report that has not been validated by any of the bureaus. It's a paid collection with XXXX. 
Transunion reports the date last active as XX/XX/XXXX, XXXX reports the date last active as XX/XX/XXXX and XXXX reports the Date last active as XX/XX/XXXX AND they report positive payments XX/XX/XXXX after collection activity in the payment history. They refuse to correct this or delete this erroneous information. 

XXXX XXXX should not be on my credit report either. The date last active for Transunion is XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX and XXXX reports XX/XX/XXXX. XXXX also reports current and positive activity on an account that is closed. I am getting no help with this account. It's updated incorrectly by XXXX and XXXX and Transunion refuse to investigate this based off of my understanding of the process of credit. 

There is also a XXXX  account that is completely wrong. XXXX reports current and positive payments on a closed account which suggests that it's illegally re-aged. the account is a closed satisfied charge off. Transunion has never investigated this item. Transunion reports the date last active as XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX. this makes no sense.the laws state that credit reports must be 100 % accurate.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: TX
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 XXXX, Account # XXXX XXXX, XXXX, Account # XXXX XXXX XXXX XXXX, # XXXX has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions or consent.

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 2023-07-31
Company: Experian Information Solutions 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 recently reviewed a copy of my credit report and I noticed the following hard inquiries. I never filled out an application for credit and upon doing my research I noticed that this is a violation of the Fair Credit Reporting Act. 
This Act states that the only reason to pull an individual 's credit is for the following reasons : XXXX. A firm offer of credit XXXX. Insurance XXXX. Application for employment XXXX. A Court Order The following hard inquiries are not related to any of the following, I have never given these companies permission to use or have my personal information. If you refuse to remove these hard inquiries, I will move forward and ask for legal verification which would include ; the name and title of the person who pulled my credit, date they purport that I gave permission to have my credit pulled, method they purport that I gave permission to run my credit. Please include documentation of said permission. If you can not provide me with this information, remove these incorrect hard inquiries from my credit file as soon as possible. I have attached my FTC form, please do see. 

The following hard inquiries should be removed from my credit file as soon as possible. 
XXXXXXXX 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 XXXX XXXX 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 explanation
Consumer complaint received 2022-12-06
Company: Winklevoss Exchange LLC
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I had requested to withdraw all of my investments from Gemini, totaling approximately {$48000.00}. Their advertised XXXX for processing is 5 days. As of today the withdrawal has still not been processed. Upon contacting their support team I was informed that all withdrawals from the Gemini XXXX platform have been suspended indefinitely and they could not provide any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This account belonged to my sister. Who passed away. The account then became mine. Beginning in XXXX XXXX XXXX XXXX began withdrawing money under the name XXXX XXXX ( XXXX ) for a total amount of XXXX. Ive received a partial refund. But no where near the amount stolen. The transactions were caught XX/XX/2022. Wells Fargo is the 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 2022-07-29
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I attempt to rent a car from XXXXXXXX XXXX XXXX on XX/XX/2022, at XXXX, XXXX XXXX thru XXXX, An agent identified himself as XXXX and I told him I wanted to rent a car for XXXX XXXX XXXX, during the process, he asked if I had a credit card to hold the car 's reservation and I told him no I had a debit card, he stated a debit card won't work, but if I could purchase an American Express card from a XXXX XXXX XXXX, XXXX or XXXX, I told him I would have to call him back because I had to go to a store to purchase a credit card and he informed me he gets off work at XXXX : XXXX XXXX and he would hold the reservation and he would call me back. Around XXXX : XXXX XXXX he called me while I was at the store and asked if I had gotten the card I told him I was in line then with a Serve American Express card and he said great that would work and he wanted the card information off it and he told me the reservation confirmation number was XXXX. 
On XX/XX/2022, I realized He didn't tell me where to pick up the car I call him at XXXX and requested where to pick up the car and he said hold on and hung up. I then called the number on the back of the Serve American Express card and let them know what had happened and they asked me to email them a statement of what happened, copies of the receipt, front and back of the card, driver 's license and bar code of purchase I emailed it to XXXX XXXX

Company response to consumer: Closed with explanation